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VA and the Consumer Financial Protection Bureau warn against home loan refinancing offers that sound too good to be true - VA News
VA and the Consumer Financial Protection Bureau warn against home loan refinancing offers that sound too good to be true - VA News

 

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HomeBenefitsVA and the Consumer Financial Protection Bureau warn against home loan refinancing offers that sound too good to be trueVA and the Consumer Financial Protection Bureau warn against home loan refinancing offers that sound too good to be trueNovember 21, 2017

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This VA home loans and Consumer Financial Protection Bureau blog originally appeared at the Consumer Financial Protection Bureau.
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The Consumer Financial Protection Bureau and VA are issuing their first, “Warning Order,” to service members and Veterans with VA home loans. If you have a VA home loan, then there is a good chance that you have already come into contact with unsolicited offers to refinance your mortgage that appear official and may sound too good to be true.
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Learn about the complaint processUnderstand your company's role in the complaint processEach consumer complaint goes through a five-step process. Learn about each step so you know what to expect, how to respond, and how complaints are reviewed, shared, and published.Learn more about the complaint processSee the types of complaints we send to companiesWe send consumers’ complaints about consumer financial products and services—including complaints referred to the CFPB by prudential regulators and other government agencies—to the CFPB-supervised bank or credit union or to the nonbank identified by the consumer.Review the list of complaint types we send to companies Respond to complaintsBy statute, a primary function of the CFPB is to collect, investigate and respond to consumer complaints.
CFPB, State Authorities Order Ocwen to Provide $2 Billion in Relief to Homeowners for Servicing Wrongs | Consumer Financial Protection Bureau
According to the complaint filed in the federal district court in the District of Columbia, 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:

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 borrowers unauthorized fees for default-related services;
Imposing force-placed insurance on consumers when Ocwen knew or should have known that they already had adequate home-insurance coverage; and
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:

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;
Failing to honor previously agreed upon trial modifications with prior servicers; and
Deceptively seeking to collect payments under the mortgage’s 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:

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
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Leave a commentThe comments section is for opinions and feedback on this particular article; this is not a customer support channel. If you are looking for assistance, please visit Ask VA or call 1-800-698-2411. Please, never put personally identifiable information (SSAN, address, phone number, etc.) or protected health information into the form — it will be deleted for your protection.

	7 Comments	

Paul Mc Grath
	May 31, 2023 at 14:21	

I wanted to find VA’s website regarding survey(s) inputs (medical services complaints) and their resolution(s).
When contacting the Patient Advocate’s Office, I rarely receive a response, whether inquiry or complaint. My concern is regarding lazy medical practices + lack of thoroughness/preparation for patient visit(s).

Peter Redmond
	May 26, 2023 at 03:10	

This article is way off as only 11% of veterans are women. So how is it she has 25%. Check your facts (CENUS BUREAU Press Release Number CB20-TPS.30)

Mark Strater
	May 25, 2023 at 12:05	

The Myrtle Beach VA clinic is failing horribly. They don’t give a sh-t about anything. This clinic needs a. Immediate investigation as it’s all tied to the leadership of this facility

Luther king
	May 25, 2023 at 08:40	

The staff at the Memphis VA is a sorry as group. Especially in the ER. I went through there Wednesday. Lock bowel . They left me on the gurney. And I was in serious pain. Stay there almost 4 hours. And was told to walk to ex ray. ambulance and taking me there. A lady trip and fall in the parking lot.
Attorney General James Wins Trial Against Quincy Bioscience for Deceptive and Fraudulent Advertising of “Memory Improvement” Supplement Prevagen
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VA and the Consumer Financial Protection Bureau warn against home loan refinancing offers that sound too good to be true - VA News
Visit www.donotcall.gov  or call 888-382-1222 from the phone number you want to register.
Whether you’re thinking of buying a home, already have a home loan, or are having trouble paying your mortgage, the CFPB has mortgage resources to help you every step of the way. If you currently have a VA loan and are having issues repaying your mortgage, you should call a VA loan technician at (877) 827-3702 to explore potential options that can assist you.
For help handling financial challenges at every step of your military career and beyond, visit the Consumer Financial Protection Bureau’s guide through the military lifecycle.
This post includes links and references to third-party resources or content that consumers may find helpful. The Consumer Financial Protection Bureau and VA do not control or guarantee the accuracy of this third-party information. By listing these links and references, the Consumer Financial Protection Bureau  and VA are not endorsing and have not vetted these third-parties, the views they express, or the products or services they offer. Other entities and resources also may meet your needs.
Topics in this storyVA Home Loan
Leave a commentThe comments section is for opinions and feedback on this particular article; this is not a customer support channel. If you are looking for assistance, please visit Ask VA or call 1-800-698-2411. Please, never put personally identifiable information (SSAN, address, phone number, etc.) or protected health information into the form — it will be deleted for your protection.

	5 Comments	

Keith Gumbinger
	December 6, 2017 at 23:53	

Before you make any financial decision, be clear on your actual goal, then “”run the numbers”” to make sure that any deal being offered to you achieves your goal. 
This includes calculating where you are in paying off your mortgage, how much equity you have (and in the case of cashing out that equity, how much you actually need) and especially, what the actual costs of the transaction will be, whether you pay them up front and out-of-pocket, are included in the loan amount or traded into the interest rate.
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