OCWEN FINANCIAL CORPORATION

2017-08-28

MI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I ca n't respond to a complaint we filed previously. I am updating on a response we were sent regarding the " property inspection '' fees. In a letter we received via email we were told that there was not a property inspection done sinceXX/XX/XXXX and only one since XX/XX/XXXX. However, in looking at our latest statement there had been a " property inspector '' at our home on the following dates. ( See statement ) XX/XX/XXXX charged twice.Another mention on the statement inXX/XX/XXXX. All submitting. That is 3. I do n't understand. Has there been 3 property inspections since XXXX? I make a payment every month, late or not. My bank check that is sent for this mortgage comes from my address where we live. It is already verified that we live here and I can verify more if needed. Why am I charged for 3 but yet told there was n't only one? Also, when I went to pay myXX/XX/XXXX mortgage payment, it was current because VA had just helped us catch up due tot he fact of my mother in laws passing and us falling behind due to taking care of her debts. VA had paid on XX/XX/XXXX. Ocwen was aware they were going to pay this bill and the set payment by Ocwen at that time was {$1200.00}. Even though they had communicated with the VA and us regarding that there was going to be a payment made to bring us current in the following weeks, there was still extra charges put on without notifying the VA or us of an additional fee of property inspection/late fee. They were asked by us to remove the fee and they will not. I contacted them afterXX/XX/XXXX and let them know I will make myXX/XX/XXXX payment after they adjust my fees of property inspection and late fees. I also want it noted that I have asked continually to stop having property inspections without notifying me first, because of us notifying them at least once a month of our intentions. They also send letters to us at least once a week. I am unclear of why so many letters when they seem to think we do not live here. Why would we live somewhere else and keep paying on our home? Why are there continual letters and continual property inspections when I have asked for this to stop? One letter a month, if we are late is enough. We received numerous letters every month and in respect for wasteful paper, and borderline harassment toward me, a XXXX veteran and my wife, my documented XXXX XXXX XXXX spouse, I would kindly ask them to either send me one letter or a simple email will due. I am making a mortgage payment this week. I want it noted that nothing was adjusted and the misunderstanding of these fees. Why is my statement saying there have been 3 property inspections charged and fees yet an email saying there has not sinceXX/XX/XXXX. I would kindly ask that no more inspections be charged or done without notifying me first so I can send you proof that we still live here.I also have told Ocwen numerous times of the " property inspector '' dropping in on us and frightening my family. If they would find another means to see if we still live here, we would oblige instead of these unannounced times or in this case, statements saying they did 2 but their email stating they have not. Also, when we submit monthly payments, you can verify through my bank of my property address. This is the update. I would like the fees removed or explain why I am being charged for 3 property inspections onXX/XX/XXXX and 2 onXX/XX/XXXX. Thank you.
Company Response: Closed with explanation

Timely Response

2017-08-28

Orion Twp, MI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-27

Burbank, CA

False statements or representation

Debt collection: Mortgage debt

Indicated you were committing crime by not paying debt
Company Response: Closed with explanation

Timely Response

2017-08-27

Las Vegas, NV

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: THIS IS NOT A DUPLICATE COMPLAINT! Ocwen Loan Servicing and their counsel raised additional questions that need to be answered! We request that Ocwen answers all of our questions below accurately and under penalty of perjury. 1st- why has Ocwen failed to update their records along with the credit bureaus inaccuracies for XX/XX/XXXX payment as requested in a previous CFPB complaint? Please review the documents provided which clearly reflects that Ocwen has failed to comply with our requests! 2nd-why has Ocwen failed to report for XX/XX/XXXX when XX/XX/XXXXshould have been reported in XX/XX/XXXX? Now, this constitutes a direct dispute which we request that Ocwen updates all the credit bureaus to reflect paid as agreed for XX/XX/XXXX and for XX/XX/XXXX which is now coming to the end of the month! We also request that Ocwen updates their records to reflect accurate information now and in the future! 3rd-does Ocwen consider their policies to supersede consumer rights, federal and state laws? Yes or No! 4th- is Ocwen and their counsel able to tell the difference between a " D '' verses an " O '' on a document? Yes or No! 5th-is Ocwen and their counsel reading the complaints prior to responding to our complaints with the CFPB? Yes or No! 6th-does any federal or state law require consumers to send a correspondent letter to a company or furnisher of information by certified letter or any other means equivalent too? Yes or No! 7th-is Ocwen aware that our previous CFPB complaint ending in XXXX has been disputed, your counsel stated incorrect information which has been addressed and what I said was accurate? Yes or No! 8th-is Ocwen and their counsel aware of false accusations such as the term spurious ( term used for FAKE )? Yes or No! 9th- is Ocwen and their counsel aware that they have 60 days to correct consumer issues after being notified? Yes or No! 10th-is Ocwen and their counsel aware of the penalty for providing false statements to federal and state agencies? Yes or No!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-27

Quartzsite, AZ

Incorrect information on your report

Mortgage: Other type of mortgage

Complaint: OnXX/XX/XXXX I pulled my credit report and noticed that Ocwen has not closed my mortgage loan even though they received {$130000.00} that paid off the loan completely. I notified them through email on that same day (XX/XX/XXXX ) and they responded on the same day that they received my email. A couple days later I received a letter from them that stated " credit reporting for each month is made by the third ( 3rd ) week of the following month. The loan will be reported accordingly forXX/XX/XXXX in the third ( 3rd ) week ofXX/XX/XXXX ''. Well the third ( 3rd ) week inXX/XX/XXXX has come and gone, and Ocwen has failed to report timely and correct information as they had stated in writing. Please see attached copy for Ocwens response. With Ocwen failing to provide true and correct information to the credit bureaus they continue to harm my family financially.
Company Response: Closed with explanation

Timely Response

2017-08-27

FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ocwen servicing is completely fraudelent regarding my mortgage servicing
Company Response: Closed with explanation

Timely Response

2017-08-25

Fairfield, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-25

Naples, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit. They have no rights to my note and mortgage and have created assignments and other documents to claim mortgage ownership.
Company Response: Closed with explanation

Timely Response

2017-08-25

Mount Holly, OH

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: Ok ... i want the cfpb to know that ocwen loan co contacted me approx 2 or 3 weeks ago and said I could fill out another application packet bc our foreclosure is on hold..which is not true ... the judge already gave XXXX XXXX summary judgement ... .but they did mail me a packet ... .and then called back about a week later and wanted all my attorneys info ... i gave it to them ... but I have had an attorney for 4 yrs now and this is the first time they have ever asked for his info ... .and then proceeded to tell me all communications must go through my lawyer ... .but when I received the packet I filled it out and faxed it yesterday 3 times!!!! Yes ... i faxed it 3 times ... they always have me refax..redo..resend ... well it 's complete as of yesterday and faxed 3 times ... and my lawyer has an offer in to ocwen for a short sale ... which would allow me to rent it at a much lower payment ... ..and eventually maybe someday own it ... .im letting you know this bc ocwen is plum crazy ... and they are gon na say sorry we ca n't accept your application bc your lawyer did n't fax it ... or sorry we ca n't do the short sale bc it was n't submitted on the right papers ... so we have to take it so we can sell it on XXXX ... ..bunch of garbage ... .ocwen needs to stop this insanity and you guys are the cfpb ... you are suppose to be protecting me from. Unfair ... deceptive..and abusive practices so I suggest you start doing it ... send this to your c eo XXXX it!!!! 7 yrs in enough ... i bout to tell them to take this house and XXXX XXXX ... if I did n't have children ... i would have already!!!!
Company Response: Closed with explanation

Timely Response

2017-08-25

Ladies Island, SC

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Complaint: To Whom it May Concern : Correspondence sent to Ocwen as there was an outstanding judgment associated with case # XXXX. The judgment was confirmed satisfied by Ocwen on XXXX/XXXX/XXXX in writing ( attached ). A corrected XXXX was received but the satisfaction of judgment has not been filed which is preventing the refinancing on XXXX XXXX 's residence. This matter has been ongoing for 3 months and has been escalated several time. Ocwen has failed to satisfy the judgment as promised thereby continuing to impact XXXX XXXX 's credit and ability to refinance.
Company Response: Closed with explanation

Timely Response

2017-08-25

Greensboro, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-25

Bremen, GA

Took or threatened to take negative or legal action

Debt collection: I do not know

Seized or attempted to seize your property
Complaint: I, XXXX XXXX, received a Letter today from XXXX XXXX, Ocwen 's Ombudsman. The Letter is dated XX/XX/XXXX. I called the number on the letter, because I do not have an account with Ocwen ; and I am glad that I did, because I discovered that someone has been trying to impersonate me ; or XXXX XXXX is LYING ; Either way ; it is a Huge RED FLAG. XXXX in tOcwen 's Ombudsman 's Office stated that XXXX XXXX sent the letter as a follow up on a conversation that she said that I had on XX/XX/XXXX. I NEVER HEARD OF XXXX XXXX until I received this letter on today ; XX/XX/XXXX. So what is this person really up to? She is up to FRAUD. I HAVE NEVER AN ACCOUNT WITH OCWEN ; and Ocwen 's Ombudsman Letter Validates this fact. I received a Letter dated XX/XX/XXXX that Validates that I have NEVER HAD AN ACCOUNT WITH OCWEN ; and neither has my husband, XXXX. The Letter was from Ocwen 's Ombudsman, XXXX XXXX and it stated, " Our records indicate we have not received authorization from the Customer to provide account information to you. Therefore, we are unable to release any information regarding the account. '' ( Letter Attached ) Ocwen needed authorization from the Customer to provide account information to me. But this XXXX XXXX claims that she spoke to me ; I AM NOT THEIR CUSTOMER AS THEY VALIDATED, AND NEITHER IS MY HUSBAND. So, why is this person lying? She is lying because of the Criminal Charges of Theft by Conversion-Felony Charges pending. They want to manufacture an Account to cover themselves. We OWN OUR HOME ; and there are No Mortgages or Liens ; and we have NEVER had an account with Ocwen ; but according to XXXX Ombudsman, XXXX XXXX ; Ocwen 's attorney, XXXX XXXX of XXXX XXXX, instructed XXXX to break into our home ; making a false claim of foreclosure. It Was a LIE ; just like this XXXX XXXX is LYING. Ocwen is known for Stealing Homes using Foreclosure as the front. The Consent Order investigation revealed that manufacturing and filing False, Deceptive, Documents and Affidavits ; flies Illegal Foreclosures and Violates Homeowner 's Rights. Because they are still doing this ; they are being sued by the CFPB AGAIN along with 25 States ; that 's half of the country. The 25 States have also banned Ocwen. Massachusetts kicked them our completely. I do n't know the depth of these LIES AND IMPERSONATIONS. Did they try and file false documents with the county, pretending to be XXXX XXXX. They better hope and pray that they did n't. Either XXXX XXXX is Lying or Someone is pretending to be XXXX XXXX ; or BOTH. Impersonation is Identity Theft. I dont know how far these crooks will go. Ocwen and XXXX broke into our home ; and attempted to transfer our utilities to their name. Since these crooks went that far ; they are No Limits to what they would do, including impersonate me at the county records signing my name in a Fraudulent Property Transfer. I have already provided the CFPB with the Police Report with Charges of Theft by Conversion-Felony ; but this latest incident may include an additional charge of Identity Theft, a Federal Charge. The Suspect listed on the Police Report is XXXX ; but XXXX Ombudsman, XXXX XXXX named Ocwen 's Attorney, XXXX XXXX of XXXX XXXX, as the person who gave them the instructions to break into our home ; maybe the search for this Impersonator should begin here. I will report it to the Authorities as such.
Company Response: Closed with explanation

Timely Response

2017-08-25

Cooper City, FL

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-25

Phoenix, AZ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-25

Donelson, TN

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-25

South Holland, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-24

Brooksville, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-24

Boca Raton, FL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Complaint: I have a 120 day delinquency from 2008 on my credit report with my previous mortgage provider that i 'm unable to have removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-24

Asharoken, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-24

Blackbird, DE

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: XX/XX/XXXX Applied for loan modification to try to lower my monthly amount because we were struggling.XX/XX/XXXX Was told I had a 3 month trial, then the loan would be permanently modified BUT, the modification offer was for {$100.00} more per month, ( {$1600.00} ) so I did not agree with this. Was told that there was no explanation at this time as to why it was higher and I had to set up a phone call with a relationship manager. Took Months without explanations and every time I called they would give the runaround and could n't give me a straight answer. XX/XX/XXXX Received another modification that seemed to be correct, the amount was acceptable to me. ( XXXX ) Signed it, had it witnessed by 2 people and notarized. Sent it back. Have copies. New Payments were to begin XX/XX/XXXX. Tried to pay it online and the amounts were not right so when I called they told me that it would be correct in a few days and a few days turned into months of fighting because they then turned around and told me that that modification was a mistake and they cancelled it but did n't have any other explanation. So more phone calls and " investigations '' were taking place. XX/XX/XXXXI was told that my new payment is {$1500.00} with 2.75 fixed, I agreed that this was fine since I was sick of this by now and he told me to give it 24 hours and the online portion will be correct so I can make payment. We set up phone call for XX/XX/XXXX. All the info that he told me was incorrect stll and he had no explanation and had to research, set up phone call forXX/XX/XXXX was told that the department was still not correcting the info and we need to set up phone call again forXX/XX/XXXX Was told that the payments should be XXXX at 2.75 % and it has been sinceXX/XX/XXXX. He also told me that the trial plan was not completed successfully and no wonder since I had no exact amount! On XX/XX/XXXX they told me to file for a loan modification again and they sent me a pre-filled application and told me exactly which sections they need since they can use most of the info from the other one and I sent it back on XX/XX/XXXX. On XX/XX/XXXXwe had a follow up call to get a status of this mod and he had none, so onXX/XX/XXXX we spoke again and there was still nothing, he said it was still under review and it could be 10-15 days. XX/XX/XXXXstill nothing and had to schedule ANOTHER phone callXX/XX/XXXX was told I was denied for a modification because I can only have one modification in 24 months. I told him that I have n't had one yet! He told me write a letter to research department and i said no, I want to talk to them and he told me they do n't talk to people ( seriously ). I contacted Office of the Consumer Ombudsman and complained, they investigated and everything they told me that they got from OCWEN is a lie. ( Their letter is datedXX/XX/XXXX) They attached my signatures to an amount that I NEVER agreed to and said it was found that I did have a modification, but I did n't. I called them ( XX/XX/XXXX ) to explain and they have not returned my call. Called OCWEN today and spoke to XXXX in the Home Retention department to see where this stood and to find out what my options are and she asked me what I wanted to do, I told her keep my home, but I do n't have the catch up amounts that I fell behind on while all this modification was going on and she said that there are not options other than to pay up the balance and then she scheduled me to talk to my relationship manager on XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2017-08-24

Marietta, GA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-24

Key Biscayne, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: To Whom It May Concern : This is not a duplicate complaint, but an ongoing problem that I have been having with Ocwen Loan Servicing in a foreclosure case in XXXX XXXX Court case # XXXX. The following complaint stems from their unwillingness to work with me and the possible mortgage modification process. Today XX/XX/XXXX I spent extensive time on the phone with the representatives and supervisors concerning this matter, but to no avail. I felt as though they were getting back at me for wanting to find out what the details were of what I had previously asked and was not satisfied with. On XX/XX/XXXX Ocwen responded to my request for information that was filed with your organization complaint number XXXX. I requested additional time to review and respond to their findings and was not given that opportunity, WHY? I was told that in XX/XX/XXXX, paper work was sent to me regarding modification, but I never received it, and wanted to have another opportunity to possibly process those paper work, but was told that it could not be done and would not be done. I was told by one of the representatives to contact the attorney of record to ask for a stay on the sale dated for XX/XX/XXXX at XXXX XXXX, but that was an impossible approach because the attorney of record would need to hear from Ocwen and they were unwilling to help us WHY? We wanted an opportunity to review the information they said that they sent me, but I never received it. The supervisor would not give me the executive information to speak with them.I was not told whether this was a company policy or not it was not something they were going to do. They further would not tell me who was actually selling trying to sell the house whether it was Ocwen or XXXX XXXX. The cold heart response from this company was not call for and they further stated that they had the original note of which in an earlier response to my request for information, they stated that they did not have it. So, the mix messages and the unclear opinions, and the blatant disregard for our request has led to yet again file this complaint. We are aware of the limitations that faces CFPB, but yet their unwillingness to help restart this process was uncalled for. I am aware that Ocwen told the court that they had the note, but did not show me a copy. The third party that they were working with never informed me about these proceedings and now with limited time left they will proceed to sell this property without regards to letting the home owner get another opportunity to do a loan modification. Questions : 1. We never asked to get the original note back, we simply just wanted to see under their determined protection of the note method, to see it. Why could they not do this if they say they have it. We believe they lied. 2. Is Ocwen in the business of helping family keep their homes, or are they in the business of making sure the bank takes away what people have worked for? 3. Why was it so out of the ball park to ask for another opportunity to possibly do a modification on the alleged loan amount which had inflated cost added to it? 4. Where are the assignment agreement and documentation of these events placed, because we never received any such consent to have the mortgage reassigned? 5. Since I was told that XXXX XXXX are the investers, were they the ones who are still collecting on the securities? 6. Why were they insufficient evidence to go forward on this said case back in XX/XX/XXXX. Case number : XXXX? 7. I am still at this eleventh hour requesting that this sale be discontinued and that another opportunity be given to rectify the situation. If not why? Thank you for the opportunity to file this and your response is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-24

Glen Easton, WV

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Loan was modified by Ocwen and taxes and insurance were to be escrowed. We have 3 parcels of land all on 1 deed with the house sitting on 1 of the 3. We find out from the State of WV that our house was sold at a tax deed sale for XXXX XXXX dollars for delinquent taxes and of we do n't immediately pay XXXX XXXX dollars our hone would be deeded to the highest bidder and Ocwen will lose their XXXX XXXX dollar mortgage they have on the home. This was a huge shock to us as we were under the impression the taxes were paid by the lender. We contacted Ocwen XX/XX/XXXX Here Ocwen was only escrowing the smalles of the 3 parcels on the deed. OUR PROPERTY TAXES WERE NOT BEING PAID SINCE XX/XX/XXXX. Now there are thousands of dollars in fees that need paid as well to the State of WV. This is a hige mistake on their part and whomever did the modification did not set escrow up correctly. I have called and called and called with no resolution. I asked for my problem to be escalated as it is a time sesitive issue. Noone knows what they are doing there. We need your help. Please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-24

South Florida, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Everyone is saying that you will not tolerated XXXX XXXX XXXX/ Ocwen Loan Servicing LLC . To continual harassing the consumers but Im not be treated with the respect, dignity, and fairness that I deserve. I would like to send you proof that OCWEN is still up to their old tricks. AHMSI mortgage payment was not behind, but the mortgage company force place insurance. The new insurance company sends the information to the mortgage company. I change insurance company. I fine an insurance that would insurance my home for half the amount of my old insurance. I do not have an escrow account with my AHMSI mortgage company. I pay my own Taxs and Insurance and I do it on time. But my AHMSI has opened an escrow without notified me until after paying a cancel insurance policy. The old company did not cancel I wrote a letter telling them to cancel and phone call ; I end up getting the insurance commission involved. This has been going on for over nine ( 9 ) years at this time. Through bankruptcy chapter XXXX I received this mortgage contact, and I am not pleased with what Ocwen Loan Servicing LLC presented to me. The payments began onXX/XX/XXXX how I can make a payment on XX/XX/XXXX when I just received the contact from you to review XX/XX/XXXX Ocwen Loan has changed the contact and I decided to consult an Attorney for a second opinion, and I found out that : Interest rate is the only thing that looks appropriate in this document 19 years payment vs. 30 years is not good for me and this also changes my contact. I did not want it but they gave me a BALLOON PAYMENT, now its a balloon Interest Bearing Principal Balance that group interest this also change my contact. Interest, Escrow, and Monthly payments all adjust when everything I had before was fixed. I need someone to look into this matter as I do not accept this mortgage modification that was presented to me. I have been advised not to sign anything and if needed, to take further action to expose this fraudulent mortgage business practice. I look forward to your prompt reply. The mortgage insurance has pay off the mortgage you can check MERS website and it look like it was done before the foreclosure procedure was done. MERS MIN : XXXX Note Date : XX/XX/XXXX MIN Status : Inactive Servicer : Ocwen Loan Servicing, LLC Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, FL.
Company Response: Closed with explanation

Timely Response

2017-08-24

Bel Alton, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response