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 140
2017-10-27
Rawsonville, MI
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-10-27
Laveen, AZ
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
2017-10-26
PA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: Ocwen home equity loan.
1. Error-riddled information. Every bill has different amounts, even phone calls they give different amounts.
2. Illegally foreclosed on my home, no payments behind at the time.
3. Failed to credit my payments : They refused to apply payments to my account in the past. Now they are showing my account as past due, even though I 'm on auto pay. Bank records show 12 payments made, they are showing only 11 payments. The also reported me to credit bureau for late payments.
4. Escrow accounts : Ocwen added escrow account without my knowledge or permission.
5. Ocwen failed to investigate and respond to my complaints : 6. When my loan was brand new they added a late payment.
Company Response: Closed with explanation
2017-10-26
OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: To whom it may concern : I am writing in regards to Ocwen Loan Servicing, LLC failing to comply with my rights under XXXX.
XXXX XXXX, I signed an agreement in regards to loan modification, in XXXX XXXX I completed the XXXX month modification. The opposing council XXXX XXXX XXXX XXXX falsely stated that I had not made the initial modification payments in XXXX XXXX, I proved that this was incorrect with my receipts. In XXXX XXXX, I entered a lawsuit against Ocwen in regards to them calming that I had defaulted the signed contract in XXXX XXXX due to late payments.
Ocwen is calming that I owe XXXX shared appreciation amount. On XXXX XXXX, XXXX my lawyer mailed them a XXXX requesting a detailed calculation of XXXX XXXX, XXXX payoff quote. They have failed to reply.
I am currently unable to access my mortgage account, when I contact Ocwen they tell me that I must contact my attorney. In XXXX XXXX XXXX XXXX Ocwen failed to report my timely monthly payments to XXXX XXXX XXXX XXXX XXXX credit agencies. I disputed the issue in XXXX XXXX my credit history was not updated. To current date my payments has not been reflected in my credit score.
On XXXX XXXX, XXXX, Attorney General XXXX announced that Ocwen customers were to receive XXXX XXXX as part of a XXXX XXXX national foreclosure, mortgage servicing settlement. I believe that Ocwen has made multiple mistakes in regards to my loan modification, I currently want Ocwen to give me a detailed calculation in regards to how they came up with the XXXX in back payments, and why on XXXX XXXX, XXXX there were XXXX property inspections in a single day and XXXX falsified mortgage payments from XXXX XXXX, XXXX XXXX, XXXX.
On XXXX XXXX, XXXX myself, as well as my attorney who was on a conference call with me, called Ocwen to find out more information, Ocwen refused to answer any question about my loan account.
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX signature card, I was denied due to the reported poor payment history with Ocwen.
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX card and then again was denied due to the reported poor payment history with Ocwen.
Thank you for your attention to this matter.
Company Response: Closed with explanation
2017-10-26
Brush Prairie, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Ocwen reporting mortgage is 120 plus days past due, account is current and in good standing
Company Response: Closed with explanation
2017-10-26
Watkins, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: We filed a BK back in XXXX or XXXX and did NOT have our 1st or our 2nd mortgages included in the BK. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER Ocwen Mtg Ln # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the Lawyer and found out that he got his licensed suspended at the time because of numerous complaints.
Company Response: Closed with explanation
2017-10-26
Ladies Island, SC
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
2017-10-26
Quartzsite, AZ
Closing on a mortgage
Mortgage: Other type of mortgage
Complaint: Never thought Id lose my home and all our money/savingsXXXX form last 19 years all spent that put into a home would be lost having to start over at XXXX XXXX XXXX from ( 0 ), How investment bank+ mortgage servicer company can get away with these overpriced mortgage modifications un underwater homes is beyond me, This just encourages home owners to foreclose or had the keys back to the bank .. We gave up hope to save and buy a new home for me and my family that has a realistic ( LTV ) ( Loan to Value ) .. My story should be in the news ..
So here is what happened in detail, Over the past years we called Ocwen to ask how much we owed on the house, they always gave us only the principle amount and never told us about the balloon amount we thought we only owed XXXX, so XXXX we need to get some home repairs done and tried to get an equity loan to make major repairs, The bank told us you have no equity, in fact your property XXXX ( Loan to Value ) is way underwater by XXXX or more, You still owe {$370000.00} so I called Ocwen they told me you have a balloon payment ( XXXX ) on top of the XXXX principle amount, Said how can that be since I was to get XXXX in principle reduction with my loan modification?, Ocwen said I missed a payment and you did not get it, I said I was in bankruptcy and was not working you guys knew this ..Sorry XXXX XXXX you did not qualify .. So I get to pay off an overprice house with no money or equity for major repairs, Sorry was their reply, you can apply for new loan modification so we can help you, So I did as there was no choice, then when new loan modification came it was higher monthly payment so how did that help me?
With that we placed the home on the market,, nothing happened over 5mths so we lowered to what we owed on the loan plus reality commissions, everyone said we were way overpriced, an offer came in almost for XXXX under what we required without reality commissions, I called the bank they said could not accept.
At that point, I called Ocwen, because Since we have spent our money paying off equity loans and bills on the house using our XXXX, we had no funds to make repairs .. So went into payment plan with XXXX XXXX XXXX had just purchased a new central Heat/AC system as without that we could not live there for XXXX, and now the roof was collapsing and called roofing company they said it needed a complete replacement since it at max layers of shingles, and some trees needed to be cut down as they were protruding into the house and roof causing more damage.., So at this point me and my wife had it,, called Ocwen asked for deed in Lieu, The guy on the phone told me, Sure XXXX XXXX I understand you can Get XXXX for a deed in Lieu,, I said ok lets do it, Ast least that will help pay for moving and the new Heat/AC system I just had put in the house.
Ocwen sent me the paper work and form I filled + deed sign over them out sent them back they gave us date to move out. few weeks before the deed in Lieu was to happen Id asked when will they send me the check for XXXX, Oh sorry XXXX XXXX our rep must have read you a program that ended last year, you can get up to max of XXXX.
I said that does not help me at all nor would it fully cover the new Heat/AC system Im paying off on the property. or help at all with moving expenses ..
Frustrated as I was I said, how can Ocwen pay the XXXX for Heat/AC system, Rep said you can still do a loan modification if you like XXXX I said NO youre only going to charge me more and will not help and you also told me you can still foreclose or demand loan payment in full .. No lets just get the deed in Lieu done, Im done with dealing with you and your company Ocwen..
After that we just sold everything we owned, and the for rest of our belongings we called packrat and got a rental out of NJ, we moved to AZ ..
Now months later after we have done the deed in Lieu done, Im still paying off that Heating/AC system have another {$5900.00} left to pay on that, and now Im getting water and sewer bills from the township asking me to pay bills on a home I no longer own and its the mortgage service company thats using that water and heat and AC system,, is that fair?
So now that I gave the home back to the bank have issue with the bank, We signed the title over in XXXX, Now we are getting utility bills for water and sewer. So I called the township the advised me that back has not filed ownership with county clerks office and Im still responsible for taxes and property maintenance or fines as well. We did the deed in Lieu with the bank in XXXX and gave up the ownership and keys as of XX/XX/XXXX, Even called the XXXX XXXX tax assessor and he advised the bank failed to apply ownership for the property, When I called the mortgage service company OCWEN they said give us two weeks, we had some issues with deed for power of attorney, That was back inXX/XX/XXXX, now itXX/XX/XXXX.. Still house in in our names, So this leaves me and my wife responsible for a home we are no longer own after almost 4.5 mths now still in our names. the water bill even shows someone is using the water on the property and I get the bill I called yesterday day they said we should have it fixed in three more weeks having issues with title and internal departments on property, I just hung up the phone I refuse to pay any more on this property .. Also the investment bank and Ocwen say the house is worth XXXX, so the government allows then to make up prices so I can get hit with the deficiency by IRS , and they get to write it off as a loss, Already on a IRS payment plan from owing money to pay equity loans out of my 401K on the house and missed mortgage payment Ill never see a tax return ever again ..
ORIGINALLY PURCHASED THIS HOME FOR {$420000.00} BACK IN XXXX, AFTER XXXXAMP MOD IN XXXX NEW PRINCIPLE BALANCE REMAINDER WAS XXXX + BALLOON PAYMENT DUE IN OR ON YEAR XXXX Bank /investment firm that was bailed out in XXXX had refused to grant or reduce any of the principle loan balance nor help in reduction to current fair market value for previous home owner under HARP program paid for by taxpayers homeowner forced to give up overpriced debt. HARP program funds for homeowners principle reduction vanished at same time Bank/investment firm received bonuses. THIS HOME INCLUDES NEW ADDITIONS- ( IN GROUND POOL INSTALLED FROM SEASONAL WORLD FOR {$30000.00} PLUS KITCHEN UPGRADE {$15000.00} PLUS NEW CENTRAL HEAT/AIR CONDITIONING SYSTEM {$10000.00} + ADDITIONAL UPGRADES= {$63000.00} ) Our Total underwater investment = XXXX WE lost over XXXX since XXXX with purchase+new additions and all equity loans paid in full, Remaining balance on note/mortgage was {$370000.00} with balloon payment due in XXXX, " the property is FORECLOSED and now XXXX HOUSE NOT FOR SALE, -Note : Ocwen has taken over property XXXX We still paying off the bill for new central heat air conditioning system as there was no equity in home and unable to transfer any home system or XXXX & XXXX warranty until the reaming balance of {$4900.00} is paid on the new central system or until its paid in full for full amount of XXXX -- -- - Bank /investment firm that was bailed out in XXXX had refused to grant or reduce any of the principle loan balance nor help in reduction to current fair market value for previous home owner under HARP program paid for by taxpayers homeowner forced to give up overpriced debt. HARP program funds for homeowners principle reduction vanished at same time Bank/investment firm received bonuses.
Theres no laws governing what a Home LTV must be in range with for loan modifications, Basically mortgage servicing company is allowed to give modifications leaving home owners deep underwater on property values, Leaving homeowner with no equity in case of major home repairs or room to sell the home until principle balance is paid off or when market has picked up in 10 year period if the house is still standing because no equity was available for repairs. No law states Ocwen must lower principle balance to meet acceptable current market rates and off set in equity value.
Also Ocwen is allowed to evaluate the property for higher than market price than its worth so they can write off that deficiency to report loss to IRS, while pervious homeowner gets hit with a gain being reported on a home worth less than what it would even sell for XXXX And also allow the pervious homeowner to get stuck with XXXX bill for AC/Heating central airs system in a house they no longer own, or for water and sewer + Utility bills they cant turn off because the deed or title is not registered with the town ship ..so pervious homeowner still paying bills on home they no longer own.
In addition Ocwen can apprise this property for XXXX when it might be only worth XXXX give current conditions and repairs need boggles me, another Lic appriser should be called out on this with major electrical and plumbing leaks, garage door system needed, new yard fence needed, along with {$35000.00} dollars in landscaping maintenance with trees growing into home and dead tree removal, includes leaky roof falling through needs complete replacement, costly dangerous mold issues and all aluminum wiring through the home major fire hazard, termite/rodent damage. home requires aluminum wiring insurance for fire hazards, in total home requires at least $ XXXX in repairs, how is that home worth XXXX K, and why am I still paying bills on that house?
Best Regards, XXXX XXXX XXXX : XXXX Email : XXXXXXXXXXXX
Company Response: Closed with explanation
2017-10-26
Discovery Bay, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XX/XX/14-we sent Ocwen {$5000.00} ; arrears were at this time {$8800.00}. Ocwen stated that unless we had the total amount they would not accept any amount, but they took the {$5000.00} ; and did not return it. We ask for a repayment plan ; they said no! But when the loan go to be XXXX, they came up with a ridiculous repayment that was more than our monthly income behind. We asked how can you offer a repayment when the loan was $ XXXX and not offer it when the loan repayment would have been affordable? Ocwen had not answer. We ask for a modification ; Ocwen drug that process along numerous months to the point that it was unaffordable. It was {$30.00} over the allowed government amount for assistance? This was trickery on their part because how can you say you wo n't accept anything less than the total arrears and then you took the XXXX and then would n't offer a repayment plan? it was a set up for failure. Ocwen says helping homeowners is what we do. Hurting homeowners is what they did. Ocwen lied and misled ; took our money, but stated they would n't take anything less than the arrears. Ocwen could have easily fixed this, but foreclosure is what they seemed to be aiming for from the beginning. This is right..double tongued and lied, but yet they still took our money and would n't help.
Company Response: Closed with explanation
2017-10-25
Dallas, TX
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
2017-10-25
Norwalk, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-25
CO
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XXXX/XXXX/XXXX, I, XXXX XXXX, XXXX, XXXX XXXX, signed a Deed of Trust in favor of XXXX XXXX XXXX, for the purchase of my home. Ocwen Loan Servicing, LLC., on behalf of XXXX XXXX XXXX XXXX XXXX XXXX took over servicing of the loan. I never received correspondence from XXXX stating that the loan was sold. My problems began XXXX when Ocwen returned payments of XXXX, and XXXX that was sent by myself to catch up arrearages due for my mortgage. When I called Ocwen 's customer service, I was told that their policy was anything over XXXX days past due was referred for foreclosure, and payments were received on day XXXX, and therefore refused, and returned. I requested a copy of their policy, as it was not posted on their website, nor was posted on any of my closing paperwork. They refused to provide the policy. However, they stated that I could apply for a modification, but the foreclosure process would proceed until an offer was given to me. I applied for the modification, and was sent an offer dated XXXX/XXXX/XXXX where the first page of the offer stated that the payment was going to be $ XXXX. On the second page, it stated that the initial down payment was to be XXXX, due XXXX/XXXX/XXXX, and monthly payments were going to be $ XXXX starting XXXX/XXXX/XXXX, which would bring the account current. And, a remaining balloon payment would come due XXXX/XXXX/XXXX, with no discriminate number for the balloon payment. I put in several calls to Ocwen requesting a scheduled appointment with a 'relationship manager ', which was scheduled for XXXX on XXXX/XXXX/XXXX, to explain to me what payment I was to send with my paperwork since there was conflicting information, and to also explain the balloon payment. I did n't receive a call back as requested. I called again, and reset a scheduled call that was to take place XXXX/XXXX/XXXX. No call was received. I signed, and sent the paperwork over to the fax number provided anyway, but did not send a payment because I did n't know what amount to send. The next correspondence I received from Ocwen was on XXXX/XXXX/XXXX, requesting a new XXXX XXXX. Ocwen proceeded to send me requests for paperwork already received, stating they were re-starting the modification process since I did not return the paperwork, and payments by the due date. In the meantime, they filed for foreclosure that was scheduled for XXXX. Ocwen continued to ask for paperwork they already received, and so I filed joint XXXX XXXX bankruptcy with my now XXXX that went into effect just before the foreclosure date in XXXX. I filed for divorce in XXXX. Payments were made in full and on time of XXXX until XXXX, when my XXXX XXXX was found to not be paying his portion of the trustee fee. I was advised by my bankruptcy attorney at the time to not make payments, as I was going to be refiling a single Chapter XXXX bankruptcy through the XXXX XXXX XXXX, and back payments would be included in my bankruptcy, to allow me to afford my attorney. My new bankruptcy took place in XXXX. However, my trustee fee was triple what I was originally paying in the joint bankruptcy, and I could not afford both the mortgage payment, along with the trustee fee, and I was ordered to care for my XXXX XXXX children, as well as my own, totaling XXXX children in the home at the time. As well as it took me almost XXXX years to have child support ordered through the courts due. I again applied for a loan modification through Ocwen, with the assistance of XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. My point of contact at XXXX, XXXX XXXX, attempted to submit, and resubmit, all requested paperwork to Ocwen from XXXX, almost on a monthly basis. Ocwen had completed packages, per XXXX XXXX, on numerous occasions, yet continued to request the same paperwork again, and again. Thus, putting me further, and further behind on my mortgage, as they would not accept payment during this time. Throughout this entire time, Ocwen did not refuse a modification. However, did not offer XXXX, and only kept requesting documents that were already received, and confirmed. Ocwen finally filed a motion for XXXX of XXXX in my bankruptcy, XXXX, which was granted XXXX. I re-filed again, a complete modification package with Ocwen XXXX, and sent over requested additional paperwork XXXX. Ocwen would not speak with me directly regarding the new paperwork, stating that they needed a release from my bankruptcy attorney to do so, despite the fact that they received the relief of stay in the bankruptcy. I chose to re-enlist the services of XXXX XXXX/XXXX/XXXX. I received a notice from Ocwen that I had until XXXX/XXXX/XXXX to bring the account current, or they were filing for foreclosure. My bankruptcy attorney had to re-send the authorization XXXX times before Ocwen finally agreed to speak with me. On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX 's local XXXX, CO attorney 's, XXXX and XXXX, filed a Verified Motion for Order Authorizing Sale Pursuant to Rule 120, Colorado Rules of Civil Procedure. I was informed by service that my initial foreclosure sale date was to be XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX XXXX court granted the motion for sale. However, Ocwen chose to not act on this order. Instead, Ocwen continued to correspond with me through regular mail, and email regarding my modification request ( dual tracking ). Ocwen continued to consistently request the same documents over, and over again, despite having complete packages. I was told that my relationship manager was XXXX XXXX. During this time, XXXX was having difficulty communicating with Ocwen, as they stated that they did not have an authorization from me to speak to them, even though that was part of the paperwork that had been sent over. I began contacting Ocwen 's modification department directly, have had numerous monthly phone contacts with Ocwen, ( I have detailed notes of who, and when I spoke with in their modification department ), and was never able to speak with XXXX XXXX because she was always on another line ( no single point of contact ). I finally called XXXX 's local attorney 's office, XXXX and XXXX on XXXX/XXXX/XXXX, and spoke with XXXX, their paralegal. When I told her the problems I 've had with their client, XXXX immediately set out the foreclosure date for XXXX/XXXX/XXXX, and sent an email to Ocwen for them to reflect the new date. I then continued to contact Ocwen, and spoke with several different people who stated that they still saw XXXX/XXXX/XXXX as the foreclosure date. On XXXX/XXXX/XXXX, I received a modification denial letter dated XXXX/XXXX/XXXX. The denial letter stated that the only reason for denial was because it was within XXXX days of the foreclosure sale date, which was actually pushed out. I contacted XXXX at XXXX and XXXX once again, and she again pushed the foreclosure date out to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I then chose to enlist the services of XXXX XXXX XXXX, Attorney at Law, who attempted to request a copy of my file from Ocwen, to no avail. Concurrently, XXXX and XXXX filed on behalf of XXXX XXXX XXXX XXXX XXXX, a motion for an Amended Notice of Hearing XXXX XXXX hearing from XXXX and XXXX, dated for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, Ocwen sent correspondence acknowledging my " Request for Mortgage Assistance '', again claiming that additional documentation was needed. On XXXX, XXXX, the hearing was re-set for XXXX/XXXX/XXXX. Ocwen then sent another modification packet insisting that regardless of the previous packet received, that I needed to fill out a new packet. That packet, along with all required documentation was delivered to Ocwen via my attorney, and XXXX and XXXX on XXXX/XXXX/XXXX. The hearing scheduled for XXXX/XXXX/XXXX, was vacated, and re-set for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I finally received a 'Streamlined ' Mortgage Assistance offer dated XXXX/XXXX/XXXX, for XXXX trial period payments of XXXX to be made no later than the last day of XXXX. XXXX, and XXXX. However, the agreement had to be signed, and received no later than XXXX/XXXX/XXXX. There are no terms, interest rates, or anything detailing an itemized plan for the modification attached. Also, the paperwork lists XXXX XXXX as my relationship manager. I attempted calls to Ocwen, to speak with XXXX XXXX, because the payments are actually higher than what I was originally paying, and I can not afford the trial payments, hence the application for a modification in the first place. As well as wanting an explanation as to what the terms and conditions of the modification was going to be before I signed any paperwork, or sent any payments, putting myself automatically into an agreement that I was not able to afford, or know the terms to. I was continuously informed that they could not speak with me because I was represented by an attorney, On XXXX/XXXX/XXXX, my attorney sent over a letter to XXXX and XXXX, requesting them to forward to Ocwen, his permission to speak with me directly regarding anything to do with the modification, along with both my XXXX modification offer, the new trial payment plan offer as attachments. On XXXX/XXXX/XXXX, I contacted Ocwen 's modification department. Again, I was told that they could not speak with me directly, and to call my NEW relationship manager, XXXX XXXX, NOT XXXX XXXX, at a direct line ( which I 'd never been provided before ). I immediately called the number given, and left a message. My call was returned by XXXX later that afternoon, and again reiterated that he could not talk to me because of being represented by an attorney, and that they never received any letter from their attorney 's. He told me to fax or email the letter, and give him a couple of days to update the account. I emailed it immediately, and received a email notification from Ocwen 's modification department that it was received. I called to follow up on XXXX/XXXX/XXXX, and left a message for XXXX. After not hearing back for days, I, again called on XXXX/XXXX/XXXX, and left another message for XXXX. I called again on XXXX/XXXX/XXXX, and left another message for XXXX. On XXXX/XXXX/XXXX, I finally received a call back from XXXX stating that the trial payments had increased because it 's based off of XXXX XXXX of what the home is currently valued, as well as the loan to value, and what is now currently owed in arrearages. I explained to him that I can not afford to continuously make the trial payments after the XXXX months, as long term, they are not affordable, and why I requested a modification to begin with over XXXX years ago. I requested for him to send the terms of the modification, so that I know what agreement I would be entering into after the trial payments. He said that he can not do that, because I 'm required to make the trial payments first. I explained that I did n't want to enter blindly into an agreement that I do n't know what the terms are going to be, nor a payment plan that I may not be able to afford long term. I also explained to him that I would not be in this situation to begin with, had Ocwen honored my payments in XXXX, honored their modification agreement that was originally offered to me in XXXX, as well as their constant dragging out the modification requests for the last XXXX years. I first asked for him to send the modification back up to underwriting to re-evaluate the trial payments, in which he refused stating that this was the best offer I was going to get, and that he would deny the modification offer. I told him if he was n't willing to help me as my 'relationship manager ', to connect me to a supervisor. He placed me on hold, and came back to tell me that his supervisor was busy with another customer. I asked for her name, and he gave me XXXX XXXX. He said he spoke with her briefly, and that they would escalate my file back up to underwriting for review, and to follow up with him the following week. On XXXX/XXXX/XXXX, I attempted to follow up, but had to leave a voice mail. On XXXX/XXXX/XXXX, XXXX called early in the morning, and left a voice mail. I called him back later that morning, and his voice mail stated that he was out of the office until XXXX/XXXX/XXXX, and that an XXXX, at another number, would be taking his calls until he returned. I called the number for XXXX, and his voicemail stated that he was out of the office until XXXX/XXXX/XXXX ( which had passed ), and that a XXXX, at yet another number, would be taking XXXX 's calls. I left a detailed message on XXXX 's voicemail regarding follow up on my modification. I also called the number for XXXX, who 's voicemail said he, too, was out until XXXX, and also left a detailed message regarding follow up on my modification. I received no return calls until XXXX/XXXX/XXXX from XXXX. I was n't able to answer the phone, so he left a message. I returned his call that afternoon, but received his voicemail. I left a message, and am still awaiting a return call. Ocwen is in violation of several Colorado state consumer laws, neglectful account management, potentially fee stacking, not applying payments properly, and other predatory lending practices.
Company Response: Closed with explanation
2017-10-25
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information is incorrect
Complaint: I am a victim of fraudulent credit activity, my identity has been used without my consent to obtain goods or services .I have owned a XXXX XXXX XXXX 17 years and disgruntled employees have submitted my name or used my identity.
Company Response: Closed with explanation
2017-10-25
Santa Ysabel, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I am a victim of identity theft due to fraudulent actions made by my ex-wife XXXX XXXX. As a result of the identity theft, which has been reported to all ( 3 ) credit reporting agencies in XX/XX/XXXX, I have made numerous disputes regarding the reporting of inaccurate information on formerly shared accounts with XXXX XXXX or existence of fraudulent accounts that were not opened by me. In XX/XX/XXXX I disputed the reporting for home address XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ) but the dispute that was made was not received by Ocwen correctly and incorrectly interpreted as an identity theft issue which does not apply to this account. Ocwen did not respond to requests to correct the dispute on their end that would allow their internal teams to know that XXXX is not an identity theft victim account and incorrect option was selected via the original XXXX dispute submission. Ocwen responded to the credit report dispute for XXXX by erroneously updating information for an unrelated, separate mortgage for a home that I own individually at XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ). This account was correctly reporting to the ( 3 ) credit reporting agencies as an Individual liability, but following the dispute for Account XXXX has begun to report incorrectly as a Joint liability with XXXX XXXX. I have submitted online written requests via Ocwen 's website to correct this error so that Account # XXXX will be corrected with all ( 3 ) credit reporting agencies and report again as an Individual account/liability.
XXXX XXXX and I have been divorced since XXXX. She has abandoned the property and all financial obligations, which has been formally processed with Ocwen via an assumption several years ago. XXXX relinquished her rights and liability to the property again in late-XXXX when the 1st mortgage for account XXXX was modified. All financial obligation for account XXXX ( payments ), deed of trust etc. for this home is mine and should only be reporting to the credit reporting agencies as an Individual account as it was previously reporting. Example attached of the previous reporting, showing on my XXXX report that this Ocwen account was in fact an individual account and reporting made by OCwen to the credit reporting agencies reflected this.
Company Response: Closed with explanation
2017-10-25
Baltimore, MD
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
2017-10-24
Jacksonville, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This complaints is a continuation of the previous filed complaints on Ocwen for the same property address XXXX XXXX XXXX XXXX FL XXXX ( loan # XXXX ). The attached letter datedXX/XX/XXXX from Ocwen states the loan was charged off XX/XX/XXXX. If this is fact, why did n't we receive a satisfaction of mortgage. The other problem with Ocwen is that XXXX credit report showing # 4 ( see attached ) which indicates we were 120 days late on paying this mortgage ( not true ).
Company Response: Closed with explanation
2017-10-24
Newberg, OR
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-10-24
Pasadena, CA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: SEE ATTACHMENT. I AM A VICTIM OF IDENTITY THEFT. LITTON LOAN SERVICING, LP IS CURRENTLY REGISTERED AS ACTIVE WITH THE CALIFORNIA XXXX OF STATE/FILE NUMBER XXXX. LITTON LOAN RECEIVED VIA A TRANSFER OF A XXXX XXXX XXXX XXXX XXXX ACCOUNT IN WHICH I DID NOT AGREE TO NOR DID I RECEIVE THE BENEFIT OF THE XXXX ACCOUNT THAT WAS CREATED IN MY NAME AND LIKENESS. REQUIRE LITTON LOAN SERVICING, LP TO PRODUCE THE LOAN APPLICATION/DOCUMENTS/FILE AS IT RELATES TO THE LOAN NUMBER ( SEE ATTACHMENT ) THAT REFLECTS THE INTEREST RATE AT XXXX AND DOCUMENTS OF A CONVENTIONAL LOAN. PROVIDE THE CONVENTIONAL LOAN # AND APPLICATION ; PROVIDE PROOF OF LOAN PAY OFF AND REVEAL THE LENDER IT PAID OFF INVOLVING PURPORTED XXXX BANK, XXXX LOAN IN XX/XX/XXXX. SUBMIT AN ACCOUNTING AS LITTON HAS RECEIVED MONTHLY PAYMENTS OF {$1900.00} AND PLUS. SEND RESPONSE VIA UNITED STATES POSTAL XXXX XXXX XXXX
Company Response: Closed with explanation
2017-10-24
Penn Hills, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-24
Newark, NJ
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-24
MI
Applying for a mortgage
Mortgage: Other type of mortgage
Complaint: Applied to XXXX XXXX for loan modification, received approval on XX/XX/XXXX for a Streamline Modification. On the same documents assigned a relationship manager XXXX XXXX XXXX. I set up a phone call appointment on XX/XX/XXXX for XXXX to call me at XXXX XXXX.. Called multiple times confirming the approval and was told if our family just made the 3 payments listed we would get the modification. Tried to reach XXXX XXXX XXXX but no luck. Spoke to several relationship managers assuring me we were good. Our family is under a chapter XXXX bankruptcy and spoke to our attorney on XX/XX/XXXX to end the bankruptcy. The following Monday, I received more documents stating Sorry, this has been denied on XX/XX/XXXX. I called, spoke to a XXXX who said Ocwen made a mistake. A mistake. We are devastated. Immediately reached our attorney again and said do not submit the court papers. We will stay with the Chapter XXXX because I trust the courts more than XXXX XXXX. As soon as it is discharged I can not find another Mortgage company fast enough to refinance. I have submitted said documents.
Company Response: Closed with explanation
2017-10-24
Mem, TN
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
2017-10-24
Center Moreland, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-23
Auburn, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-23
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation