GMAC/OCWEN Mortgage

Review: I was contacted by GMAC/OCWEN counselor [redacted] due to my inability to meet my mortgage payment requirements. [redacted] advised me to complete a financial analysis packet to determine if I was eligible for a loan modification. After completing the packet I forwarded to GMAC. Another counselor contacted me shortly thereafter informing me that I had been approved for a three month trial period payment plan. Further stating, that if I followed the terms of the 3 month plan, this payment amount would be my new approximated modified amount. During the three months I made all payments on time. I was contacted weekly by [redacted], updating me on the modification. During this time [redacted] contacted me to tell me that the Title Company had located what appeared to be 2 leans against my title. I informed [redacted] that this information was incorrect and that there weren't any leans on my title. I told him that this had occurred once before when I was attempting to refinance a mortgage. Companies will place leans on titles hitting on the name in stead of the property if in fact you have a common name ie. [redacted]! [redacted] informed me that I need to contact the Recorder of Deeds office have a title search completed to show a clear title. I visited the recorder of deeds office and they showed me that there were no leans against my property. I recontacted [redacted] and he told me that now I needed to obtain documentation from the two companies however he had no contact info for either of them. I researched and obtained phone numbers for them. After making contact I was told by both collection agencies that there was nothing against me. I contacted [redacted] again sharing the phone numbers of the agencies and was told that I needed documentation. I told him that they had no obligation to give me anything on something that doesnt exist. I spoke to several supervisors ([redacted],, [redacted] etc) at GMAC and was rudely told repeatedly that it was not their job to contact these agencies. [redacted] called me and told me that he was sending a form that I needed to sign to verify my claims of a clear tilte were true. I sign the form and returned it to him. I then received a call from [redacted] informing me that he had received the form, however, due to my inability to prove a clear title, my modification was denied due to the trial period expiring! I demanded a supervisor once again begging for the title companies info, and I was finally given the phone number. I contacted [redacted] at [redacted]. who told mew that my title was in fact free and clear! I then contacted GMAC again and was now told that I was too late and the trial period had expired and that my account was now in default, and full payment was due immediately. And then adding insult to injury, I was told that I could always reapply for a modification! I was also sarcastically told by [redacted] "you can afford you mortgage payment anyway according to what I see"!Desired Settlement: I have had numerous "recorded conversations" with various employees at GMAC. I have been promised over and over again that the only thing holding up my modification was a clear title. I have gone through all the frustration steps possible to prove to GMAC that my title was clear all along however my attempts were futile. I requested on several occasions that these collection agencies forward me documentation that there I had no financial obligation to them. I was told by both agencies that if I had an obligation to them they could forward me a letter. However because I never owed them anything there was NO SUCH DOCUMENTATION TO GIVE that they are only a collection agency. I even shared the "public record" website of the recorder of deeds so that GMAC could see the title info themselves! I followed GMACs directives down to the letter! I have gone above and beyond the call of duty to substantiate my claims of a clear title. I honestly believe that when OCWEN took over GMAC (during this modification trial period) that a decision was made to negate my modification and they are using this "clear title" issue as their basis. My title was free and clear from the onset. I am so angry, frustrated and humiliated by this process. I have been lied to over and over again! The proof of my claims can be verified by the recorded phone conversations. If reviewed these calls will proved what I was promised, inconsistent information, extremely rude and degrading customer service by individuals whom GMAC/OCWEN employee to represent them as supervisors! Its incredible how extremely dismissive they have been with the roof over me and my children's heads! Please advise me of my recourse!!!!!

Consumer

Response:

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