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 142
2017-10-18
MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I started a loan Mod. With OCWEN & they stated after 4 time 's sending them all the info they requested they are saying they never received it but when I call they say they received it but the info from XXXX XXXX XXXX was the wrong paper work needed & so I went & got the new info right from my bank & SSD & SSI & again they say they did not receive it & then I get a letter from them saying it was not the correct info that they needed & now last month they are to take the payment out of my bank automatically on the 15th of every month {$890.00} but last month XXXX/XXXX/XXXX they did not take it out & I called them & said a late payment was applied & after arguing with them for over a hour with a person that could not speak or understand English what so ever said I would have to file a dispute & I said no this is OCWENS fault & he said they will foreclose on me for not making payments on time & I said they were the one 's that did not take my payment & finally he said it was there fault & he would fix it but not this month XXXX/XXXX/XXXX it is now XXXX/XXXX/XXXX & they still have not taken payment out again & I am so afraid that they are going to try to foreclose on me like they have done with a LOT of others. I have never missed or been late on payments until after I started this loan mod that I wanted a refinance of my loan with them since I have great credit but I think OCWEN is trying to make my credit bad with not taking my payment on the date due & trying to charge me late payments that was late because of them. Also over the years I have paid more on insurance & Taxes that was needed & when I asked were the extra $ went, I got hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-18
Murrieta, CA
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Seized or attempted to seize your property
Complaint: This complaint is to follow up on the COMPLAINT # XXXX The complaint was sent onXX/XX/XXXX Ocwen replied on XX/XX/XXXXunder the supervision of the CFPB.
Ocwen continued to send revised responses on XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXXAll this has caused confusion and they insist that despite the fact that the debt was discharged in Bankruptcy on XX/XX/XXXXthey insist in foreclosing because they claim that the beneficiary, who is the only entityXX/XX/XXXX should be dealing with can enforce the Deed of Trust.
The Assignment if fraudulent, the chain of title is broken, assignments in order for XXXX XXXX ' Note and Deed of Trust of validly be transfererred into the trust, XXXX XXXX XXXX XXXX XX/XX/XXXX-W1. Corporate Assignment of Deed of Trust inXX/XX/XXXX was executed by XXXX XXXX and notarized by XXXX XXXX both are well known robo-signers and the same is true for XXXX XXXX. Although the video deposition was taken down and there paper copy of the deposition which is too big of a file to upload, here is the link XXXX XXXX XXXX The Corporate Assignment of Deed of Trust is bogus, this is not a valid " corrective assigment '' for it does not meet the regulations regarding filing a corrective assignmnt in California. See EXHIBIT H & I The Substitution of Trustee was prepared and signed by Ocwen, without mentioned Power Atty. This is not possible because per the Deed of Trust, Section 24, only the Lender can substitute the trustee. Exhibit G See attached Loan transaction history and Form 1098 ( Exhibit C & D ) this will show the financial irregularities with regards to XXXX XXXX ' loan and fraudulent entries in fact. Take special notice that in XX/XX/XXXX the principal balance was {$0.00} ... XXXX XXXX 'XX/XX/XXXXcredit report reflects this also.
Securitization into the purported trust, XXXX XXXX XXXX XXXX XX/XX/XXXXW1 after reviewing the the governing agreements listed below, it is not possible VALID transaction and therefore voids the assignment of deed of trust and substitution of trustee recorded against his title at the XXXX County Recorders Office.
1 ) Sale and Servicing Agreement - Exhibit I 2 ) Mortgage Loan Purchase Agreement - Exhibit J 3 ) Amended and Restated Trust Agreement 4 ) Mortgage Loan Schedule Loan Modification Agreement with AXXXX XXXX XXXX XXXX XXXX can not be valid because they stated that they were the Lender in XX/XX/XXXX The agreement was not acknowledged, recorded at the land records. See suspicious fax transmittal document showing potential illegal transactions with XXXX XXXX ' Loan Modification application documents being used for the pretender lender 's benefit without XXXX XXXX ' consent. This must be addressed. This is potentially identity theft.
The Note and Deed of Trust received by Ocwen is different from the original Notes and Deed of Trust that we downloaded directly from Ocwen 's website under the file name " MORTGAGE 33 PAGES '' onXX/XX/XXXX I did not upload all the documents for they were not relevant to this complaint other than the note and deed of trust. The Note and the Deed of Trust in this file was the True and Certified copy and it is not indorsed.
The copies being mailed to me repeatedly are with fraudulent indorsements.
See Exhibit M and all the Exhibits. Exhibit M is a part of a prepared statement of XXXX XXXX XXXX Esq., XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. See page 6. It will show XXXX XXXX missing assignments with regards to the trust, XXXX XXXX XXXX XXXX XX/XX/XXXX-W1.
Again, see all attached EXHIBITS that proves that Ocwen, XXXX XXXX and other third parties involved have not authority passed on to them and have no authority under the NOTE AND THE DEED OF TRUST.
Rescind the Notice of Default, Notice of Trustee Sale and remove the cloud and slander against my once, good title. The title is clouded, broken and is unmarketable.
Respectfully submitted, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-18
Jersey City, NJ
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I had a XXXX at my residence in XXXX XXXX, the property was deemed a total gut, by the insurance company. I 've started the process of repairs after being paid by the insurance company. The mortgage company is in possession of the funds. After a mortgage ordered inspection, which was deemed to be XXXX % of the work completed, it was lowered to XXXX %, after review by their inspection team. " According to the mortgage company the pictures do n't justify the percentage. I have still been paying the mortgage monthly, I 'm in XXXX XXXXg the policy limits will be reached next mo th, then I will be responsible for the rent which is XXXX and my mortgage which is XXXX per month. I need the .mortgage company to cooperate and release the remaining funds, so I can compleye the need repairs so I may return to my home by next montj
Company Response: Closed with explanation
2017-10-18
Freeland, MI
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-10-18
Charlotte, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-17
Virginia Bch, VA
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
2017-10-17
NE
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have been charged erroneously for late fees that should not have been collected, as my payments were made on time since I had a Bankruptcy in XXXX, and they have also collected a number of fees relating to the Bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-17
Martinsville, VA
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
2017-10-17
Corliss, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-17
Allen, AL
Closing on a mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-10-17
Rock Creek, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-17
South Florida, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX Bank XXXX XXXX XXXX filed suit against me I have been sending letters registered mail with return receipts for them to validate the XXXX & XXXX proof of claim that they say I owe with no response.They set the sale date for XXXX XXXX and next week XXXX XXXX a hearing is set with the court to grant the bank writ of XXXX.They have been ignoring every letter sent with no response. The total amount they say owed is $ XXXX.The Loan Servicing Company XXXX.
Company Response: Closed with explanation
2017-10-17
Charlotte, NC
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
2017-10-17
CT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: Ocwen loans is reporting on my XXXX report has late and with a last payment date of XXXX XXXX. I have n't had an account with this company in over XXXX years. This debate is well over XXXX XXXX XXXX. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe ocwen loans any money therefor it should n't be reporting late payment and balance due.
Company Response: Closed with explanation
2017-10-17
NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-17
San Gabriel, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ocwen Loan Servicing is running a scam that they now impose a {$10.00} fee for paying your mortgage on their website if it is more than 10 days past the due date. This is true even if you are still within the grace period. Apparently, I have to write a check and use snail mail to pay my mortgage otherwise they charge $ XXXX {$19.00} to pay electronically or over the phone. We all know the transaction costs for processing electronic payments is minimal and this is just an attempt to try to make people miss the deadline and incur late fees. This is an unfair business practice that the government should be prohibiting. It costs them no more money to process a payment on the XXXX of the month than it does on the XXXX, but it eliminates the grace period that was provided by law. Because I ca n't just change my loan servicer when they adopt obnoxious processes, the government should be stepping up and regulating these practices. It would be nice if the Consumer Financial Protection Bureau actually protected consumers from these outrageous practices. Because it costs them more to process paper checks, I will go ahead and start mailing checks again.
Company Response: Closed with explanation
2017-10-16
Allison Park, PA
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
2017-10-16
N Hollywood, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-16
Canyon Cntry, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-10-16
MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I was told by XXXX XXXXe that I had until Monday XX/XX/XXXXto e-mail the modification package to them because the foreclosure sale date was set forXX/XX/XXXX. I was told that they would be able to halt the auction slated forXX/XX/XXXX and they would review the modification package. I e-mailed that modication package on FridayXX/XX/XXXX, which is 3 days prior to the date they had told me. I included all supporting documents they requested. I called Ocwen multiple times to find out the status of the modification package. The first time, Tuesday XX/XX/XXXX, I was told it was too early to give me any update and that I should wait five business days. When I called Ocwen today ( Monday,XX/XX/XXXX) I was told that my application had been denied because I sent it in too late. I was also informed by Ocwen that they never even looked at the package.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-16
Winton, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-16
Bristow, VA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-10-16
FL
Trouble during payment process
Mortgage: VA mortgage
Complaint: I am aware of the lawsuit filed against OCWEN in federal court this year. I read a copy of the filed complaint and have experienced just about every issue in the complaint. I have had payment misapplied for years and then I have had to have them reversed while being reported late on payments even though it is OCWEN who applied to payment wrong. What is most concerning is when I request my loan history and those transactions do not appear as if someone has removed them to cover themselves. I have contacted OCWEN several times over the past 5 years to dispute my issues when I have been reported as late on a payment and all that happens is I am spun around in a circle with make believe math to explain how they have come to the conclusion that I owe funds. Some of the late reporting against me has also occurred while I was XXXX as an XXXX XXXX service member and OCWEN was well aware of that fact as I have been an XXXX XXXX service member for over 17 years. Even though I have pointed out that I was XXXX and offered to provide proof the negative reporting remains. This has destroyed my credit rating and as a service member with my particular job it has the potential to impact my lively hood. Last year I over paid into ESCROW by almost {$2000.00} due to changes in my property tax rate. OCWEN issued payment to the state and is now refusing to issue me my refund. I should have been issued my refund in XXXX or XXXX of this year but still have not been given MY MONEY. They are illegally with holding money that does not belong to them and insist they can hold those funds indefinitely. It seem counter intuitive that OCWEN thinks I am late on my mortgage but at the same time would not give me money that I could use to make myself current. When does common sense take effect. I have filed complaints before but I am hoping with current action being taken against OCWEN that something will finally get done.
Company Response: Closed with explanation
2017-10-14
Omaha, NE
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX I had a conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX wanted to verify my loan with OCWEN and asked why they are no longer reporting to the credit bureaus. OCWEN said they were and it just had not updated.
On XX/XX/XXXX I had another conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX again wanted to verify my loan and wanted to know why OCWEN had not updated it on my credit report.
On XX/XX/XXXX I called OCWEN again and spoke with Escalation Manager, XXXX XXXXagent ID # XXXX. I explained to XXXX that I had telephoned XXXX, XXXX and XXXX and none of them have an account from OCWEN. XXXX said she would have her Research Department look into it and follow up with me the following day.
On XX/XX/XXXX I called OCWEN Ombudsman office and spoke with XXXX XXXX who told me to give XXXX the opportunity to call me back by XX/XX/XXXX.
On XX/XX/XXXX I called XXXX again several times with no return phone call. I spoke with another Escalation Manager who said the research department investigated and they are reporting to the credit bureaus. I again called the credit bureaus who still did not have an account from OCWEN.
On XX/XX/XXXX I called OCWEN 's Ombudsman 's office back and spoke with XXXX. XXXX asked me to email him a copy of credit reports to XXXX. I emailed this information immediately at XXXX hours.
On XX/XX/XXXX I called XXXX back and he said he had just received the information and uploaded the information into their system. I asked XXXX for a timeframe when someone would review and get back to me and he said it could take up to a week. He would call when he knew something.
It is nearly two months since my initial phone call to OCWEN about why they are no longer reporting my mortgage loan on my credit report. There has been no resolution and no sense of urgency on OCWEN 's behalf to correct the issue.
Company Response: Closed with explanation
2017-10-14
Warren, RI
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