OCWEN FINANCIAL CORPORATION

2019-10-18

WI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-18

Appleton, WI

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-10-18

Baton Rouge, LA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-17

NV

Unexpected or other fees

Money transfer, virtual currency, or money service: Refund anticipation check

Complaint: My bank won't refund my XXXX dollars and XXXX cents
Company Response: Closed with explanation

Timely Response

2019-10-17

Saint Paul, MN

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: We are in the midst of a loan modification ( mailed XX/XX/19, emailed XX/XX/19 and mailed again XX/XX/19 ) and today received notice of foreclosure and scheduled sheriff sale!!! I thought this was not legal?! We are in the midst of the modification and I have been actively communicating with PHH. I let them know the paperwork was coming more than 7 days ago ( the day it was first put in the mail ), resent by sending scanned and emailed the documents on XX/XX/XXXX and then put them in the mail *again* today XX/XX/19. PHH is dual tracking. They are predatorily pushing us out of our home and wreaking havoc on my family. I have already submitted a complaint about their unfair and incorrect attempt at ignoring our original loan modification, which was approved by Ocwen before PHH took over. That is a separate complaint ( XXXX. ). They required us to re-apply for the modification after I spent 5 months trying to correct the problem, which was their mistake and was met only with calls they had me on hold for up to two hours! XXXX And now they are pushing us out while we are applying for a new modification ( and they know full well that our circumstances have changed and will make it harder for us to get approved for a modification! ) Please please help get this company on the straight and narrow. Please help us save our home. We are not without money, we are honest hard working people who have suffered great hardships and have tried to kept an open dialog with PHH. I have attached the notice of the Sheriff sale from today 's mail. I have also attached the a a c t i v e mortgage modification application
Company Response: Closed with explanation

Timely Response

2019-10-17

Norwalk, CT

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-10-17

Cheverly, MD

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: OCWEN LOAN SERVICING and XXXX XXXX XXXX are foreclosing on my property 1. the case is still active in the appeals court awaiting response 2. there is a hearing on XX/XX/2019 in state court and XXXX is foreclosing on XX/XX/XXXX 3. OCWEN BECOMES PHH in XX/XX/2019 While WE WERE IN litigation 4. statements of offer to pay are coming from PHH 5. PHH would not tell me who they are THEY ONLY WANT TO CONSPIRE TO TAKE MY PROPERTY. 4. PHH/OCWEN would not respond to any offer of settlement. 5. PHH/OCWEN would not offer any modification or any type of settlement so me and my family can stay in our home.
Company Response: Closed with explanation

Timely Response

2019-10-17

Phoenix, AZ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-17

Beldenville, WI

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-16

Fernley, NV

Problem with a purchase or transfer

Credit card or prepaid card: Government benefit card

Card company isn't resolving a dispute about a purchase or transfer
Company Response: Closed with explanation

Timely Response

2019-10-16

Plainfield, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-16

Missouri City, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-16

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-16

MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: OCWEN FORCLOSED ON THE PROPERTY WHILE I WAS IN THE MIDDLE OF A LOAN MODIFICATION WITH A HUD COUNSELER FOR THE STATE OF MARYLAND THERE WAS NO MITIGATION OR MEDIATION OFFERED AS REQUIRED BY MARYLAND STATE LAW. XXXX AND XXXX WAS THE TRUSTEE A COMPANY THAT HAS ALSO BEEN SUED FOR THIS PRACTICE AS WELL IAM STILL IN THE HOME THERE HAS BEEN NO LETTERS OF EVICTION OR ANY NOTICE TO LEAVE
Company Response: Closed with explanation

Timely Response

2019-10-16

San Francisco, CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-16

Erie, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have got a horrible run around from PHH mortgage, they have taken XXXX dollars from me in modifications but when it comes to the final modification documents they deny it every time. The house is scheduled for foreclosure on XXXX and I have been nothing but scammed by this company. I need to do whatever I can or get whatever help I need to stop this. PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-10-16

Murrieta, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-16

Columbia, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-10-16

Ft Lauderdale, FL

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-10-16

Moreno Valley, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-16

Norwalk, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: PHH Mortgage took over servicing from Ocwen approximately six months ago and I have never ( 1 ) received a statement and an ( 2 ) escrow statement reflecting a current breakdown of principal, interest, insurance, and taxes. Furthermore, online payments have been setup since inception of the loan ( serviced through XXXX, XXXX and Ocwen ) and every month since PHH has taken over servicing they have canceled my online payment profile. Correspondence sent alerting me of this cancellation has indicated that I am in bankruptcy, which is completely inaccurate. One letter states, " per my request, direct payments have been discontinued. '' This too is 100 % false and inaccurate. PHH has also rejected one online payment without reason. I was under the impression that it was " declined '' when, in fact, the bank account had more than sufficient funds. I was then forced to submit an online payment in order to avoid late fees. As far as I can tell, no fees were charged despite the warning that one-time online payments are subject to fees. What is more interesting, this online payment was accepted whereas past online payments with the exact same banking information were being cancelled every month, for reasons described above. It is not clear why they could accept this method of online payment but reject the payment when it was setup for monthly payments.
Company Response: Closed with explanation

Timely Response

2019-10-16

Saint Charles, MD

Struggling to pay mortgage

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2019-10-16

Nantucket, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-16

Columbia, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I submitted a complaint against PHH Mortgage and XXXX C/o PHH Mortgage in XX/XX/2019. They responded that they are not the appropriate company to answer the complaint. Stated that the complaint does not belong to them. Complaint ID - XXXX. Company responded the complaint does not belong to them on XX/XX/2019 The company responded that they are not the appropriate company to address your issue. Sent to company on XX/XX/2019 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. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. NOTE : They are the correct companies. Phh Mortgage out of XX/XX/XXXX. XXXX, NJ and XXXX c/o PHH Mortgages Services, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX. XXXX, NJ XXXX.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-10-15

New Britain, CT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I recently refinanced my home from PHH Mortgage. According to PHH Mortgage I was to receive a refund within 2-3 business days of the note being paid off. That check cleared on XXXX. I have contacted PHH again and they are stating they have requested a copy of deed from the town and they have not received. They further stated the refund can take up to 90 days. Just because I have had numerous issues with this bank I am inquiring if this is legal. Thank you!
Company Response: Closed with explanation

Timely Response