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 152
2017-09-06
Louisville, KY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/2013 Ocwen Loan Servicing put our 2nd mortgage in charge off status based on the declining value of the our home. The problem is that the value of our property was never in decline. In fact the value of our property has steadily increase since we have owned our home. The charge off negatively effected our credit and put our 2nd mortgage in a delinquent status. The mortgage loan # is XXXX.
There was absolutely no justified reason for Ocwen to put our 2nd mortgage in charge off status. Our home is well maintained and we take pride in the appearance and condition of our property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-09-06
IN
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I have a problem with Ocwen they have done me and my Wife worng like the discharged XXXX of my loan back in XX/XX/XXXXmaking my balance XXXX an saying that my payment to be XXXX after that they sent me a 1099 misc tax form showing that they discharge XXXX i got behind on my payment again 3 months do to go in to the hospital for my XXXX this time they sent me modification and i filled it out this time they made my balance from XXXX to XXXX and made my payment from XXXX to XXXX per month plus instead of a fix rate they made a bloom loan. plus i have to pay the Government XXXX in taxes and XXXX to my state taxes because they discharge that XXXX and i see that CFPB filed charges against Ocwen. if you can help us please do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-09-05
Beyersville, TX
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Complaint: Here is further proof that the transfer of assignment filed in XXXX County Land Records office on XX/XX/XXXX was fraudulent and American Home Mortgage Servicing Inc knew it was fraudulent.
When our mortgage loan became delinquent we received letters from XXXX XXXX XXXX, which is the first time we learned that the " holder of the note '' was XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. We made a qualified writted request - verification of proof of claim request of XXXX XXXX XXXX to provide copies of any transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX was the " holder of the note '' because no transfers or assignments had been filed in the XXXX County Land Records office that transferred the note or deed of trust from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was not able to provide any of the documentation to show the note or deed of trust was ever transferred to the trust.
We also made the same request of AHMSI and XXXX XXXX XXXX XXXX to provide copies of any transfers or assignments to show that note or deed of trust was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. From XXXX 's website I was able to see the attached communication from AHMSI 's research department that shows the qualified written request - verification of proof of claim request that was made and a cease and desist notice that had been filed in the XXXX County Land Records office, which AHMSI decided to disregard.
There is also an attached email dated XX/XX/XXXX from AHMSI 's Legal Correspondence Group to disregard my cease and desist request regarding the foreclosure action and as we know, the fraudulent transfer of assignment was filed 10 months later.
The attached response from AHMSI 's Loan Administration Research Specialist were documents to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX was the holder of the note. But the attached documents just shows that as of XX/XX/XXXX, the holder was XXXX XXXX XXXX XXXX and that note and deed of trust had not been transferred to the trust, which is also evidenced by the title search we did in XX/XX/XXXX.
AHMSI had no idea that XXXX XXXX XXXX XXXX did not transfer the note or deed of trust to XXXX XXXX and requested that we direct our concerns to XXXX XXXX XXXX. As we know from the declaration of President of XXXX XXXX XXXX, XXXX XXXX XXXX did not own any residential mortgages to transfer as of XX/XX/XXXX. So how is the transfer of assignment that was filed in XX/XX/XXXX valid?
Again, we have not received any valid transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX is the holder of the note. We have been making this same request from XX/XX/XXXX and have not received the requested documents. We have only received the fabricated documents to wrongfully foreclose on our homestead and collect our monthly mortgage.
Company Response: Closed with explanation
2017-09-05
Ridley Park, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have a loan serviced by OCWEN on my Property at : XXXX XXXX XXXX, XXXX XXXX, PA-XXXX.
I could not keep up with the payments for various reasons, given in the hardship letter. The Servicer put up my property for Auction/Sale on XXXX of this month.
I have already submitted a Short Sale Package ( ALL CASH Offer ) through my 3rd Party.
Company Response: Closed with explanation
2017-09-05
Liberty Township, OH
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-09-05
Bowie, MD
Applying for a mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-09-05
Charlotte, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-05
Chicago, IL
Incorrect information on your report
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-04
Detroit, MI
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I called Ocwen Mortgage to lower my payments, they offer to lower my payment but failed to inform me my mortgage would be for over 40 years. At the time of my request I owed approximately 90,000 on my home. That was in XXXX or XXXX, now I owe over 144,000 and my house note over {$1200.00}. My house is only worth XXXX. I feel like Ocwen has taken advantage of me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-09-04
Leming, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-04
Cecil, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-03
Oroville, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-03
Gloucester City, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I was diagnosed with XXXX XXXX in XX/XX/XXXX, I had to have XXXX. I fell behind on my mortgage with XXXX XXXX. I was out of work, recovering from XXXX and XXXX, in til late XX/XX/XXXX into XX/XX/XXXX. I applied for a loan modification and was denied, even though I am receiving Social security XXXX. I applied for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX, and they accepted my application and agreed to pay Ocwen {$50000.00} which they rejected because my outstanding balance was over that amount. At the same time they denied my loan modification even though I make more than sufficient money monthly. I contacted Ocwen on XX/XX/XXXX an ask why was the $ XXXX from NJ housing rejected and they did give me a loan modification, but wanted me to pay over {$57000.00} to save my house. I am waiting to hear back from Ocwen escalations to see If they would accept the {$5000.00} from NJ housing Authority, minus their fees with turns out to be {$50.00}, 300 plus at the end of XX/XX/XXXX. I suggested to them that I will pay the difference between the $ XXXX and the XXXX XXXX dollars an continue to pay the mortgage in XX/XX/XXXX.
XXXX XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2017-09-01
Wann, OK
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Filed for a loan modification in XX/XX/XXXX with OCWEN Loan Servicing. I was 2 payments behind and they already denied other remedies for the problem and told me I had to apply for a loan modification to fix this problem. I was ask for documents over and over and over again. I would send more documents and they would ask for more and more. I would try and talk to " Relationship Manager '' and she was NEVER available and was told it would be 3-4 weeks even with an appointment. Waited for calls and they would do nothing except for tell me that I needed more documents and say I did not send then. I have emails to prove the documents were sent. They ask for my ex husbands signature even though the loan had already been put in my name only years earlier, I was told there was nothing I could do except get his signature because his name was still on the loan. ( It was not ) They foreclosed on my home while waiting on the loan modification. My foreclosure was overturned in the middle of XX/XX/XXXX and I was told they were still working on the problems And I would be receiving a letter on what I needed to do.
I received a default letter a couple of weeks ago and I called XXXX XXXX that has been working the problems on my case and I was told they were NOT forclosing on my home and that she was sending an email to XXXX XXXX XXXX my relationship manager and ask her to call me about what I needed to do to get this issue fixed. I told XXXX XXXX I wanted to keep my home and I still needed the loan modification! I told her I would start making payments but I did n't want to make payments on a house they were foreclosing on! I just needed information on what I need to do to get this fixed!
Today XX/XX/XXXX I received another foreclosure letter, foreclosing on my house for a second time from attorney XXXX and XXXX, XXXX. ( See attachments ). Since I never heard anything from XXXX XXXX I sent emails with new paysubs, bank statements, lien release on my car. Everything I thought they might possibly need, even though I have not received another letter, or phone call! I received confirmation they received them. I did not get any follow up email, letters, phone call about my loan modification again! The only reply has been foreclosure papers!!!!!
Please, please, please help!!!! I do n't know how to deal with this company that will not respond!!! They sent a letter to Oklahoma Attorney General in mid XXXX turning around their demand for a signuture of my ex-husband that I had told them since XXXX they did n't need and ask them to look into this because it was wrong. I was hung up on, told to send documents I had sent over and over again, then told they are old now and I have to start over, then when I would get upset I was hung up on, told I was wrong, I would beg them to just actually look at the documents that I had sent and they would see that I had sent them what they needed, and that it would be weeks to make another appointment!
I NEED SERIOUS LEGAL HELP!!!
Company Response: Closed with explanation
2017-09-01
Oxford, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Back on XXXX/XXXX/XXXX my realtor received an offer on my home, and we emailed the offer, third party authorization, buyer proof of funds and the preliminary HUD to the lender for review to postpone the foreclosure sale. Me, my realtor and my realtors assistant have phoned the lender everyday this week to check the status and to do a formal request to postpone the foreclosure sale and the lender has continuously informed us that they did not receive the email which the email address is XXXXXXXXXXXX and XXXXXXXXXXXX.
Then when I phoned today, they stated that they have the documents but they will need more time to review the documents, and I do not have more time. The foreclosure sale is Tuesday, XXXX XXXX, XXXX @ XXXX. The lender has been XXXX around with me and my realtor for two weeks now, and this is simply unreasonable and I am desperate for help and trying as hard as I can to make this work, and I feel as if the lender is not assisting me with the foreclosure postponement. I understand that the lender did not put me in this situation, but they are not doing what the government says a lender should do to provide foreclosure alternatives to me as a homeowner either. Please HELP!
Company Response: Closed with explanation
2017-09-01
Yelm, WA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-09-01
Temperanceville, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My ( now ex- ) wife and I separated in the summer of XXXX. I had hopes that we would get back together, and made improvements on the house and one of the vehicles we owned together. As a result, I incurred debt and fell behind on the payments with OCWEN Loan Servicing. After a point, OCWEN refused to accept any payments unless it was for the full amount past due. I contacted OCWEN several times for assistance in applying for modification or refinancing. Although a dedicated " relationship manager '' was assigned to the mortgage, each time I contacted OCWEN, I ended up speaking with a different person, and was given different information -ranging from being told my application was incomplete or that my ex-wife needed to sign a quit claim deed. It was not until this summer ( 3 years later ) that my modification was processed and approved, after I indicated that I reported OCWEN to this agency. However, the terms of the modification while offering a slight reduction in monthly payments ( approximately {$160.00} ) would financially tie my ex-wife and together for 40 more years. Additionally, the overall loan amount would increase several hundred thousand dollars. When asked if I could just resume payments under the original terms, I was told that I would have to pay the past amount due -over {$18000.00} ( an amount due in part to the accumulated effect of OCWEN not accepting any payment until previous past due amounts could be paid ). While I am now starting to be on better financial footing, I am stuck in a catch 22 position.
Company Response: Closed with explanation
2017-09-01
Austin, TX
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: I tried to refinance our mortgage to get a fixed rate. I found out we have a balloon mortgage on a forty- three year note.
I did not even know we had a 43 year note. I also do n't unstated a balloon payment or escrow etc. we never signed anything.
We can not refinance because my credit score. I did not sign any documents approving a 43 year note. I have lived in my house for 27 years. I am so doubt when it comes to escrow etc. my balance has gotten out of hand and we will never pay it off.
I just want someone to get the papers you are suppose to have with a mortgage company and review them. At one point they were charging a XXXX a day late fees. You can talk to them because they are so rude I desperate need help. Seems like there is no help for people with illegal mortgages. I do n't know who to turn too. I am retired and on XXXX and have a hard time u derstanding all this. Please help me
Company Response: Closed with explanation
2017-09-01
Finksburg, MD
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: 1. On or around XX/XX/XXXX XXXX, Ocwen had a Sheriff kick down my house door ( I have several recorded/backed up videos of this fraudulent act with the Sheriff showing me all his documents he had with not ONE document authorizing the eviction to come to my house without any court order signed from a Judge and even a document from an attorney 's office to NOT evict my house XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. There 's never been a hearing per Maryland required Statue Rule 2-311 ( f ), MD Rule 14-204, and Rule 20535,. I challenge the fraudulent foreclosure and sale of my home that I 've been in for 11 years 2. I have previous letter and documents where Ocwen did this same fraudulent act back in XXXX, where I had an attorney where they took my house out foreclosure and I had Senator XXXX XXXX office involved and have documentation to support. They 've admitted to the same crime and was never held accountable for it, but retaliated against me with another fraudulent act. However, per Government records it shows Ocwen & XXXX XXXX have been fined 60 billion for their continuous mortgages fraudulent activities, but victims are continuously suffering from what 's continuing to be allowed.
3. I also have a letter stating that my house was taken out of foreclosure and received a very small settlement per that fraudulent foreclosure back in XXXX.
4. I had a private investigator to investigate the entire fraudulent sale of my home XXXX, with recorded XXXX report and other documentations to show this was the same approach taken back in XXXX per OcwenXXXX XXXX. Due MD statue any fraudulent sale of someone 's property and this not being the first time, the sale is 100 % invalid and my certified private investigator is willing to go public and testify in court!
5. The fraudulent foreclosure was in conflict with MD Rule 14-404. Based on legal doctrine the foreclosure was " not actionable as a matter of law, '' and the court lacked the jurisdictional power to ratify the sale 6. The Circuit Court 's denial of the motion to vacate the fraudulent foreclosure sale and dismiss action, without holding a hearing, when the ruling was dispositive of the case was a mistake within the confines of Rule 2-311 ( f ) and Rule 2-535 ( b ). Which creates " manifest injustice! '' 7. My private investigator have backed up recorded videos & documentation of the entire illegal eviction that took place, that 's continuing to be allowed across this country to thousands of homeowners.
8. I need this issue resolved as soon as possible as you already know by thousand of other victims this is not just fraudulent but it 's " illegal and UNJUST! '' Something that should not still be allowed with nobody going to jail but being allowed. I hate to believe our Government is involved with illegal activities and on standby to continue to allow this type of activities to happen! This is the 2nd time and same process they 've done per certified official document.
***Not to mention they not only blocked me from making payments to my loan and I have a certified official letter from the vendor sending me return of mortgage payment letter. '' They are also willing to testify Ocwen ( I have a written statement ) put my loan into default per falsifying Government documentation to gain insurance per my home equity, which is FRAUD! Not to mention my NOTE being SOLD per XX/XX/XXXX, with the deed and NOTE being separated! ( MERS ) I have recorded documentation that shows my house was paid off per XXXX report XXXX and they made BILLIONS of dollars from my home NOTE & still GREED to not just ask for more money, but LIE and falsify Government documents ( which is ILLEGAL ) to gain equity! The Government is aware of this fraudulent activity and only fine OcwenXXXX XXXX when they 've already made billions of dollars from just ONE note which my house was one, which was separated from the DEED. Once this is done you 'll already know the mortgage is instantly INVALID there 's no more mortgage. I have the full XXXX report with the sale of my NOTE per wall-street and BILLIONS of dollars made since the time of purchase XXXX and other evidence to prove this sale was not only FRAUD but illegal and a form of retaliation for their previous illegal/fraudulent. I will await their reply before sending my private investigation information and the refund letter of my mortgage payments for a year, allowing them the opportunity to LIE again so I take to court and etc. The attached document is to show CFPB this is NOT their first time of the same fraudulent act!
***I 've attached some of my preliminary fraud summary investigation for your review.
***I would like to save the rest of my evidence for if going public or court ***I was not able to upload a larger report due to size, I can send via email if given an email address
Company Response: Closed with explanation
2017-09-01
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-31
Bedford, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: A few years back I refinanced my home. My business was doing badly. I went very quickly from a mortgage payment that was affordable when I purchased the home to one that was raised to unaffordable. The refinance ( XXXX XXXX ) company used up my equity to achieve their goal of forcing me into foreclosure. Not only did they get my home but they also got 100 % of my equity. I believe this was a company practice, planned and predatory. I believe this was predatory because of the systematic way the finances kept getting worse at an ever accelerating rate. There was no help coming from them to keep the mortgage going and my family in the home. We lived in our home for 17 years. We tried to sell our home for three years, but were not able to because we had to keep raising the price to satisfy what we owed to Ocwen Mortgage who kept raising their fee faster than any ability to stay even. We were essentially underwater and kept there. The amount of financial distress my family of XXXX has incurred is irreparable. My business is not capable of making the amount of the equity and home price that I believe Ocwen planned to take and took from us. The damage and anguish has affected my XXXX children, my spouse and myself in a most adverse and possibly tragic way.
Company Response: Closed with explanation
2017-08-31
Orlando, FL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-31
Auburn, MA
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
2017-08-31
South Florida, FL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: To : Ocwen Loan Servicing, LLC / Complaint DepXXXX.
Hello : Am behind on my mortgage and I was try make a payment but your staff said that since I was 89 days behind they could not take a payment, so I ask them where in the paper I sign did it say that, none of them could answer my question. Your Company Fill there mouth that are here to help, but thats not true. Instead you would rather see me go into foreclosure then trying to help me. I waiting for my XXXX hearing inXX/XX/XXXX, so am hanging in there trying to make my payments and all I get from Ocwen is we cant help you because we have a policy that after 89 days we cant take payments. But none of the people I talk to from your company couldnt show me were dose it say that on my papers that I sign. I feel that you are not acting in my best interest and really want to take my home away from me after 33yrs living there. It is really sad how your staff and your policy are forcing more people in foreclosure. But the good news is that am going to fight you all the way and get some legal help to see if I can sue Ocwen for there way they are acting about not take my payment after 89 days which is not in my contact of the papers I sign. I hope we can get this problem settle and avoid legal action against Ocwen for not disclosing information of there 89 days of not taking payments and then send your loan for Foreclosure. Here are the employee I spoke with Bage ID # XXXX, # XXXX and a person name XXXX that works with my Relationship Manager. I really Hope that we can take care of this problem and really see you trying to help me in times of trouble.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-31
Ridley Park, PA
Struggling to pay mortgage
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