OCWEN FINANCIAL CORPORATION
Consumer Complaints
There are over 28887 complaints on file for OCWEN FINANCIAL CORPORATION. Dated between 2019-12-16 and 2011-12-07.
Complaints Page 108
2018-04-03
Yulee, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-04-03
Mckeesport, PA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-04-03
Littleton, CO
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-04-02
Library, PA
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-04-02
Ocklawaha, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: From Januart of XX/XX/XXXXuntil XX/XX/XXXX XXXX XXXX XXXX XXXX reported my account as late when I was trying to catch up on payments.
I attempted on many occasions to complete there mortgage adjustment process and apply for government assistance process and was consistently met with artificial obsticles and unhelpful support staff at Ocwen. They were never able to successfully qualify my account for assistance because of all of the red tape and obstacles created by their process. Additionally, in 49 states they have reached a settlement because of this abuse of customers.
I have contacted Ocwen multiple times both in writing and by phone and inly get an automated response. I believe given their universally observed negligient behavior these late payment marks should be removed from my credit report.
Company Response: Closed with explanation
2018-04-02
TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I live in Texas in an area effected by XXXX XXXX. My mortgage company, Ocwen called me in lieu of this disaster and offered me a disaster forbearance. I was told at the time of the forbearance that there were no criteria or qualifications for the forbearance except to request it. Repayment on this forbearance were set to start in XX/XX/2018, but Ocwen had not completed the review of the of the application for the forbearance. I was told to wait until the review was approved to make payments. Each month that went by Ocwen 's website changed my payment date to the next month indicating no payment is currently due. I was called in XXXX and told that I did not qualify for the disaster forbearance and was not given a reason why. I spoke with several representatives and they were all confused as to why I had not been approved as I was repeatedly told, they didn't know why it wasn't approved as there was no requirements for documentation of income or anything needed, it should have been approved. I was told at this time that Ocwen would request a traditional modification and I needed to submit documents for this purpose. I have submitted all necessary documents. I attempted to submit a payment to them on today XX/XX/2018 and the payment was refused and I was told that they could not submit a payment d/t the account being behind. I was told that my account would not be late or counted against me until the review was complete. I feel as if the assistance that was provided for me was to get me into a vulnerable state and then try to foreclose on my home.
Company Response: Closed with explanation
2018-04-02
Sacramento, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My realtor representing the me, XXXX XXXX of a property financed through Ocwen.
we both would like to file a complaint regarding the misinformation that was given to my client regarding doing a short sale for XXXX XXXX XXXX XXXX, XXXX, GA XXXX.
I the owner, was informed to submit Hardship package on XX/XX/2018, which she did. I then contacted regarding a Loan Modification, which I could not do due to my finances. On XX/XX/XXXX, I received a letter stating that since I would not be able to do a loan modification that I would be able to do a Short Sale. XXXX days later I received a letter stating that I could not do a short sale due to Foreclosure date ( XX/XX/2018 ). And I received from XXXX that the short sale documents that they received were denied. I shouldn't have received an email from XXXX, because I'm not an agent and no documents had not yet been submitted to the bank by my realtor.
I was also informed that I could do the short sale and was never made aware that a foreclosure date was set for XX/XX/XXXX. I was also informed that she had to get the short sale documents by XX/XX/XXXX and they missed informed me on which documents to send in. This was all coming from the Relations Manager. We submitted an offer on XX/XX/XXXX and have been going through the process of doing a short sale. A BPO was even done.
Up until this day, my realtor has been missed informed by XXXX overseas regarding amount to pay to stop foreclosure and finally was allowed to speak with someone in the US who gave my realtor the proper information regarding amount that was needed to stop foreclosures. My realtor was also able to understand her better.
Company Response: Closed with explanation
2018-04-02
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-02
Lancaster, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-02
Culver Cty, CA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-04-02
Cooper City, FL
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-02
Main Office, VA
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-02
Hazelwood, WA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-01
Halyoke, MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-03-31
Andice, TX
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I sent an email to our account relationship manager, XXXX XXXX, on XX/XX/XXXX requesting a copy of the amortization schedule that matches the amortization table in the loan modification schedule on page 9. Per the loan amortization schedule and mortgage account statement, principal balance is {$570000.00}. The table in the loan modification on page 9, principal balance is {$530000.00} from XX/XX/XXXX to XX/XX/XXXX.
Company Response: Closed with explanation
2018-03-30
San Francisco, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-03-30
Jacksonville, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-03-30
Pleasant Valley, NY
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: Ocwen loan servicing is my Collection co. In XX/XX/2017 i get a Eligibility Request form for either XXXX XXXX XXXX or XXXX XXXX XXXX Get a check for over 1,1oo . I am one of many in NY State who got this. Because I submitted a complaint to the NY ST Attorney General 's office. Ocwen says not elligible for no more . Fund started at XXXX XXXX. Then I'm on a list real guick an see its up to 2.1 billion. Already been contacted by XXXX XXXX. No one is going to take my mtg with my current fixed rate of 2 % except I have a balloon payment on. Our last correspondence to Ocwen until I accepted verbally over the Phone was nearly 17 months. Why so long for the offer I took. I was close in doing a reverse MTg. Was told they don't do XXXX XXXX. the numbers were around 225k. 17 months later Principle is now over 280. I send in a hand written letter accepting. 2 checks etc. Talking to someone with a deep accent ( XXXX ) i can't understand everything being said. I just listen an agree. Should have talked to someone who spoke better English. They deposit all checks etc. I get the paper work in the mail to sign an see a balloon payment to sign. Then I knew what I was told over the phone.
Company Response: Closed with explanation
2018-03-29
Liberty Township, OH
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-03-29
Warren, RI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2018-03-29
Colonia, NJ
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-03-29
Houston, TX
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-29
Lewiston, ME
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-03-29
Foothill Ranch, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: A mortgage held with OCWEN Loan Servicing was paid off by my credit union. At the same time OCWEN withdrew the next payment from my bank, although that amount was included in the payoff.
The credit union contacted OCWEN who acknowledged they were holding funds not due to them, and said they would try to expedite the return of the money.
Two weeks later, with no funds received back, I contacted OCWEN, received a huge run around, and finally I was told they would send my funds back after 20 business days had passed. They knew the amount due two weeks ago, but would still hold them until they elected to send them back. They couldn't provide me with any document I had signed authorizing that delay, could not show me a notice I had signed indicating that funds could still be withdrawn, though not due, until I notified them to stop taking money from my bank, and they could not provide me with any legal reference that allowed them to continue holding my funds. Finally, they refused to make any effort to expedite (? ) the return of my funds.
The amount due back is {$1400.00}. I discussed this with employee ID XXXX, who told me there was no record of a contact on theXX/XX/XXXX, and XXXX who had full documentation of that conversation.
Company Response: Closed with explanation
2018-03-29
E Setauket, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation