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 14
2019-10-10
San Gabriel, CA
Closing on a mortgage
Mortgage: Other type of mortgage
Complaint: On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.
Company Response: Closed with explanation
2019-10-10
Moreno Valley, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-10
Brooklyn, NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-10-10
Ehrhardt, SC
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I obtained a second mortgage from American Home Mortgage XXXX XXXX on XX/XX/2007. Few months after obtaining the mortgage. American Home Mortgage went bankrupt and can not get a hold of them anymore. MIN number is XXXX and the property address is XXXX XXXX XXXX, XXXX KY XXXX.
Shortly after company went bankrupt, we paid off the loan to the bankruptcy trustee.
I want to sell the property now and the title is still encumbered with the lien and I can not get a release on the lien since company does not exist anymore for a decade.
I would appreciate your help to get this lien removed from my property.
Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-10
Seattle, WA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: 2 yrs ago I went through the partial release of my property. A home was built on the portion that was released by my mortgage company. We are now trying to close on the property and when the title was pulled it was discovered that the mortgage company used MERS to sign the reconyence, which evidently is not allowed. My loan officer, my escrow company and myself have made several attempts to the mortgage company to correct their error and they have even made instructed them how they can correct the error as it seems no one seems to understand how and they are not correcting the error. We explained to them this is time sensitive and it has now been 3weeks with no resolution to the issue. I feel like my hands are tied and at the mercy of my mortgage company and to talk to a supervisor is impossible. The mortgage company is PHH. This situation has placed me in a financial hardship and great physical distress.
Company Response: Closed with explanation
2019-10-10
Brooklyn, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-10
Jennings Lodge, OR
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-10
San Gabriel, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.
Company Response: Closed with explanation
2019-10-10
Brentwd, MD
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-10-10
Brentwd, MD
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-10-09
Bordersville, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-09
Graham, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-09
Spring Hill, FL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: Sent out a packet back to PHH mortgage services to remodify the mortgage and the sent a letter to a different address that wasnt my address. Now how am I supposed comply if I never receive the letter. An in tern the remodification was cancelled. This is the same run around that I got from ocwen and then losing the paperwork. And the company could of contact me by email but didnt. And this was assigned by the judge to do.
Company Response: Closed with explanation
2019-10-09
Memphis, TN
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I am submitting this formal complaint regarding OCWEN subsidiary PHH Mortgage Services about my loan transfer to XXXX XXXX XXXX , XXXX subservicing by XXXX on XX/XX/2019. As of XX/XX/2019 I am still working through this process with XXXX regarding the matter below. I have submitted a written complaint to PHH Mortgage as of XX/XX/2019 and plan to submit a similar complaint to OCWEN as well.
My family and I experienced a house fire XX/XX/2019 with a total loss in which our home was under constructions for over six months. I reached out to PHH Customer Service Department who put me in touch with the Loss Draft Department. The Loss Draft Department explained the process and sent out the required documents as outlined by the service representative. I completed the necessary steps and submitted all documents including all endorsed insurance checks I received. PHH 's process was working as instructed and outlined on the XXXX website which made me feel very proud to be a customer. PHH 's thirty plus years of experience were on full display which gave my family and me comfort we had the right mortgage provider with us during one of the most tragic times of our lives.
During the month of XX/XX/XXXX, the process had begun to unravel after I requested my first home inspection in order to receive the next scheduled contractor 's payment. Again I followed the process and submitted my request for two days of processing, gave the inspector five to six business days to contact me, and an additional four days for the results to be received and processed so the contractor 's payment could be issued. I reached out to the Loss Draft Department more than a dozen times to follow up on the scheduled inspection which only resulted in escalation after escalation after escalation. Finally, an exception was granted to pay a partial disbursement until the inspector could be contacted. The inspection did not take place until the month of XX/XX/XXXX and the results provided early XX/XX/XXXX. I had to pay the contractor thousands of dollars out of pocket until PHH Loss Draft Department was able to send the additional funds.
While frustrated how the first inspection had gone, I did not give up and called in mid-XX/XX/XXXX to see what steps I could personally take to prevent a repeat of the first inspection. Once more the representative gave me instructions of submitting my request now two weeks in advance prior to needing the next contractor payment. I submitted a request XX/XX/XXXX for the final inspection since the contractor 's agreement completion date was XX/XX/XXXX. It was during this inspection I lost all confidence in PHH as a Mortgage provider. I called more than two dozen times that resulted in escalation after escalation after escalation. Finally, I spoke with a team lead by the name of XXXX in which he said he would assist in resolving this issue as PHH tried to represent my first inspection results received XX/XX/XXXX as the inspection results requested on XX/XX/XXXX. After the contractor 's completion date per the agreement had come and gone, I called in numerous of times in which another exception had to be granted for partial payment to the contractor.
As the month of XX/XX/XXXX approached with no final inspection scheduled, I called on XX/XX/XXXX for a status update. The representative again escalated the matter and told me to call back in two days. As instructed I called XX/XX/XXXX for a status update to learn my loan had been transferred that same day to another provider. Again I spoke with XXXX and he assured me while my loan had been transferred PHH would continue to assist. I did not receive a call from an inspector until XX/XX/XXXX who only completed inspections onXX/XX/XXXX The final inspection requested on XX/XX/XXXX took place XX/XX/XXXX. I call the new mortgage provider and they informed me I had to now go through their process and complete all new documents because they did not have my complete file. I called PHH to inform them of this information and they informed me it could take 30-60 days for a complete loan transfer to work through the system. I have called several times for a call back from XXXX with no response or voicemail. The PHH representatives did all they could, but the PHH management has been an epic failure.
As of XX/XX/XXXX, XXXX informed me they could not take another Lender 's inspection results and I had to go through their 10 business days process and submit new documents. The contractor final payment of about XXXX XXXX dollars is still stuck in this process and I was forced to take out a HELOC against my home in order to pay him. I believe the CFPB should look into mortgage companies loan transfer practices while a consumer is in the middle of an insurance claim.
Company Response: Closed with explanation
2019-10-09
Arco, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: The foreclosure dates given was XX/XX/2019 I called before that date and they changed it to XX/XX/2019 and I called again and was told the foreclosure date was suspended and will get the information in writing never received anything in writing. Almost everyday and Im told different things from varies operators. Finally spoke to the XXXX he said that he would fax it today and still havent received anything. Also I received a modification application and I filed it out and they said that I was denied but I sent it on time.
Company Response: Closed with explanation
2019-10-09
Kansas City, MO
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-10-08
Clintondale, NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-10-08
Laurel, NY
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/15.
The second mortgage was owned by XXXX who sold it to XX/XX/XXXX who sold it to XXXX XXXX and then it was service transferred XXXX XXXX. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title.
I am awaiting for bothXX/XX/XXXXand PHH who is XXXX to provide the proper assignment and/or servicing documents so I can close.
Please assist me. I am desperate at this point.
Company Response: Closed with explanation
2019-10-08
Chubbuck, ID
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-08
Birchwood, MN
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-10-08
Adelphi, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-08
Naples, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage was part of the XXXX mortgage meltdown and the " Investor '' was XXXX Bank. The servicer was Ocwen which has now become PHH. In XXXX, my mortgage was converted to a Shared Appreciation Modification. In XX/XX/XXXX I made a payment to Ocwen by XXXX XXXX on the last day of the month ( in compliance with the terms of the SAM ) and they returned my payment and cancelled my modification. I filed a complaint with CFPB and when Ocwen responded, I assumed that I could not respond and get further help from CFPB. Since then I have had considerable correspondence with Ocwen and I filed a Notice of Error with them. Their responses over the following year confirms my claim and they admit that they had a computer glitch at that time. CFPB and numerous Attorney Generals including Florida sued Ocwen in part for the type of error I experienced. Those suits have been settled but Ocwen has not offered me compensation and / or a principal reduction. The modifications following the loss of the SAM in this incident has raised my principal by over {$100000.00}.
I realize this is a second submission of the same claim but the new facts prove that Ocwen 's original response was not accurate at best and possibly a fabrication.
Company Response: Closed with explanation
2019-10-08
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-08
Jupiter, FL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: The XXXX XXXX XXXX XXXX XXXX ( `` XXXX '' ) assisted me in getting a mortgage modification after years of unsuccessful attempts with Ocwen Loan Servicing.
I was able to pay my monthly mortgage amount and meet the basic needs of my household.
Last year, XXXX, Ocwen claimed that the XXXX, XXXX payments was not received ; I notified Ocwen that it made an error because I had proof of the money order and a copy of the stamped receipt showing that I hand delivered the payment, as I customary d. I also receive a letter from PHH advising me that I was to mail my check to them as being the new servicer After verifying the information, I sent in preceding monthly payments which where all returned to me, siting that Ocwen reported that the XXXX 's payment was not received.
I then sent proof to PHH that the payment was indeed received and the money order was cashed.
I did not received information from PHH mortgaging verifying or correcting the incorrect information ; instead PHH continues to refuse to accept the mortgage payments.
Further, PHH Mortgage did not revealed to me that It the same company as Ocwen Loan servicing PHH asked that I apply for a mortgage modification which I did.
PHH Mortgage denied the request for the modification and offer me the option to surrender my home or do a short sale I have appealed the decision and posted the copy below.
Thanks for assisting me save my home Emailed sent to PHH mortgage XX/XX/XXXX Hi XXXX, I am writing to appeal the decision of PHH to nullify the mortgage modification. As stated before, I never had an issue making my mortgage payments. It was PHH decision to refuse to accept the preceding monthly payments when Ocwen reported the previous month 's payment ( XX/XX/XXXX ) was not received ; and though I sent information and proof to PHH that the money order for the XXXX 's payment had been cashed by Ocwen, yet still no investigation and communication was sent concerning the information and proof ' but PHH continues the return of all preceding payments I made on the mortgage.
The mortgage modification granted me the opportunity to meet the monthly mortgage obligations and other basic needs.
In spite of the various life challenges, I am constantly seeking opportunities to improve my financial situation. Currently, I have applied for a scholarship that will enable me to increase my income capacity ( see below email correspondence ) I am hoping that PHH will reconsider its decision to force my home into foreclosure, allow me to improve my financial situation and pay off the mortgage.
Thanks for responding XXXX XXXX XXXX XXXX Thu XX/XX/XXXX XXXX XXXX XXXX CAUTION : This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe.
Thank you for your interest in applying for the Workforce Innovation and Opportunity Act ( WIOA ) Training Scholarship. We have received your application and will begin its review.
This is the first step in determining your eligibility and suitability and is no guarantee that you will acquire this scholarship.
You will receive further information by email from one of our Career Consultants within the next three to four business days.
If you do not, please be sure to check your email spam folder.
Regards, The Career Development Unit Please Note and read carefully : Florida has a very broad public records law. Most written communications to or from XXXX XXXX XXXX County are public records available to the public and media upon request. Your email communications may therefore be subject to public disclosure
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-07
Cave Creek, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation