OCWEN FINANCIAL CORPORATION

2017-12-19

Boston, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-19

Memphis, TN

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My Homeowner Insurance Company mailed the check to repair my roof and ceilings to my Mortgage company Ocwen Loan Servicing LLC. The Check was mailed to me from Ocwen to endorse so they could send the funds to me so I could replace the roof on my home and repair my water damaged ceilings. Prior to me sending the check by XXXX I called Ocwen claims dept and was told to submit a letter stating I was requesting private repair to replace my roof and repair the ceilings. I have not received the check as of XXXX. 2017 I called Ocwen today and I was told by XXXX XXXX XXXX, with Ocwen Executive resolutions that since I was delinquent on my mortgage and Ocwen was processing my mortgage modification request Ocwen will not send me the Insurance check to repair my home and I would have to have a License Contractor for them to send the check for me to repair my home. I 've spoken with the persons whom I want to fix my house and they are ready to do the repairs. I feel Ocwen is discriminating against me, my neighbors also has Ocwen as their servicer and they had claims and they allowed them to pick who repaired there houses and they too were in processing with Ocwen for mortgage modification.
Company Response: Closed with explanation

Timely Response

2017-12-19

Danvers, MA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-12-19

Dania, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-12-19

Fort Washington, MD

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-12-18

Cheverly, MD

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I previously had a problem with Ocwen Mortgage Company ( XXXX # XXXX ). My escrow account has been a problem since the loan was taken over in XXXX. Ocwen 's states there was a problem when they took the loan over in XXXX.I attribute the problems to fraud and bad accounting. XXXX XXXX my escrow analysis showed I had a deficit and my mortgage was going up {$82.00} a month. My taxes stayed the same and my insurance policy went up {$20.00} for the year. Where is the money going? My escrow shows XXXX insurance policy payments XXXX XXXX {$540.00}, XXXX XXXX {$670.00}. Also the same on the new XXXX analysis shows XXXX insurance payments for XXXX XXXX {$690.00} and {$670.00}. Ocwen sent me an escrow analysis and they totally omitted XXXX 's payments ( I beleive they realize they dont add up ).
Company Response: Closed with explanation

Timely Response

2017-12-18

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-12-18

Harrisburg, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-12-16

CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: please help. They had my payment on the XXXX of XXXX2017. But still are trying to collect {$150.00}. XXXX is not letting the truth, they are saying i was late. my certified card, was signed on XXXX/XXXX/2017 by XXXX XXXX XXXX receviced on XXXX/XXXX/2017. I was not late. certified card was signed by XXXX. Maybe he holds payments on purpose, so ocwen can get extra money./ Please help XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-15

Galveston, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: This is an ongoing issue with the Mortgage Company. I have never missed a payment, however Ocwen continues to show my mortgage as being delinquent. They continue to add an Escrow account stating that insurances were unpaid. About a month ago, when we seemed unable to resolve, we called Ocwen with our Insurance representative on the line. At that time Ocwen agreed that our insurances were paid up, we were not past due on anything and they returned an overage amount that we both agreed they owed us. To date, Ocwen still has our loan listed as due for XXXX. They are saying the last payment was received was XXXX/XXXX/XXXX and next payment due is XXXX XXXX, XXXX. They returned am amount equal to the monthly mortgage payment in XXXX. We have never missed a monthly payment and have our bank statements to prove this fact. This has been an ongoing problem with Ocwen and we have wasted time and money trying to settle these challenges.
Company Response: Closed with explanation

Timely Response

2017-12-15

Niantic, CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-12-15

OH

Incorrect information on your report

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

Account status incorrect
Complaint: I have a balloon mortgage with Ocwen Loan Servicing that matured on XXXX/XXXX/XXXX. ( I have been working with a bank to refinance the mortgage. ) When I sent the XXXX monthly payment to the Ocwen that has the existing balloon mortgage it was refused/returned. I e-mailed the the Ocwen representative to find out why I could not continue payments while I was seeking new financing to pay their balance. They responded that after the loan matured they will only accept the full balance due of {$91000.00}. In XXXX they reported to the credit bureau that I am 60 days delinquent on payments. That report reduced my credit score from XXXX to XXXX. Becouse of this report I was not able to finalize the refinance with XXXX XXXX. I believe this is unfair. I tried to make payments to keep in good standing while I was seeking refinancing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-15

Baltimore, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-12-15

Marietta, GA

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

Timely Response

2017-12-15

Cntry Clb Hls, IL

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2017-12-15

Dallas, TX

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

Timely Response

2017-12-14

Winchester, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-12-14

Coatesville, PA

Trouble during payment process

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

Timely Response

2017-12-14

Riverdale, GA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-12-13

Lewisville, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Seized or attempted to seize your property
Complaint: XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check in the amount of {$13000.00} after assuring contractor that they would not handle second claim check any different than first claim check. OCWEN has returned check twice without endorsement. Contractor has placed lien on property to recover amount owed. OCWEN failed to provide written documentation of what the process is. Wants me and my spouse to endorse the check first and they will " reissue '' an OCWEN check to Contractor and us. Work is complete and OCWEN inspector has been on site to verify the work ; yet they still refuse to endorse the insurance claim check from XXXX XXXX. XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check claiming they need to monitor the work. Can not provide an explanation for withholding their endorsement.
Company Response: Closed with explanation

Timely Response

2017-12-13

Conyers, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-12-13

Fishers, IN

False statements or representation

Debt collection: Mortgage debt

Told you not to respond to a lawsuit they filed against you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-13

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-12-12

TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: When I attempt to visit my loan servicer 's ( Ocwen ) website to view information about my mortgage, I am told that it does not recognize my login ( i.e. my email address ) and then am informed by the website " Oops! Something went wrong. '' when I attempt to confirm/add my " new '' email address so I can log into their system by providing my loan number, last four digits of my SSN, and my home 's zip code. This very same issue occurred previously ( approx. 1 year ago ), and after finally connecting with a member of Ocwen 's team via phone, I was assured the glitch had been fixed, but it has clearly not been. Interestingly, though, in the interim I have continued to receive emails from Ocwen regarding my payment status and offering refinance options at the same address the company claims is not associated with my account for login purposes. As the rate of my ARM mortgage continues to increase above market rates, it sure seems coincidental that Ocwen 's system is still unable ( unwilling? ) to allow me access to my account and information re : my mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-12

Wake Forest, NC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response