OCWEN FINANCIAL CORPORATION

2017-08-03

E Millstone, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-03

Tarzana, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I had a 30 year loan with a 10 year interest only payment. As of XXXX of 2016 my payment changed from {$1500.00} to {$2900.00}. This property is now rented, I collect {$1900.00} a month. I have provided all documentation to Ocwen Loan Servicing. My property has n't reached a value to refinance. I asked the servicing company for help in getting a modification, I was declined based on having assets to cover the difference between rent and mortgage payment. I do n't make enough money to keep paying this loss. The reason for the complaint, the game that 's played is continually asking for the same documents over and over. When it 's in there system already!
Company Response: Closed with explanation

Timely Response

2017-08-03

Amarillo, TX

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-03

Indianapolis, IN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have been trying to get assistance with my mortgage s ince XX/XX/XXXX . I asked for a lo an modification. Received the modification, but the payment was higher than my original payment. If I was having issues paying my regular payment how can I pay the new payment. So I asked about the temporary forbearance program, which allow 11 months to catch up. I was told I qualify for that sent me the information to sign and send back with a payment of {$600.00}. I followed all instructions. I get a call and agent tells me the temporary forbearance was removed and I was put on a loan modification. I did not sign anything regarding a modification. I did not want my payment to increase {$130.00}. I was prepared to pay the extra to get caught up. Basically everytime I call I get some different information. So now I was told I will need to send another statement stating I do not want a loan modification, and put down another down payment for the temporary forbearance program. I just trying to get caught up on my pymts and it seem like no one can help.
Company Response: Closed with explanation

Timely Response

2017-08-03

Cape Coral, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-03

Fort Worth, TX

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-08-03

VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-02

Fred, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-02

Brooksville, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-02

Newton, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-02

Hazlehurst, GA

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

Timely Response

2017-08-02

Manhattan, NY

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

Timely Response

2017-08-02

Kendall, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-02

Oak Grove, MO

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: Attached is you will find evidence of my fraudulent loan documents, which have been manufactured by my current loan servicer Ocwen Loan Servicing ( OLS ). Please see ( Exhibit A ) which is a copy of my mortgage Note assigning servicing rights from XXXX to GMAC, which appears to have been performed by a known Robo-signer, XXXX XXXX, A.K.A ( XXXX XXXX ), on behalf of GMAC, as Limited Signing Officer. *See more information here regarding XXXX XXXX XXXX XXXX XXXX The name ( XXXX XXXX ) is on this Robo-signing list for GMAC mortgage assignments XXXX XXXX XXXX Info regarding Robo-signing issues and arguments Article which explains GMAC role, in regards to robo- signing scheme and why they did it! XXXX XXXX XXXX Please see the two attached documents, draw your attention to the signatures of alleged Assistant secretary for ( XXXX ) named XXXX XXXX XXXX.Notice these signatures do not appear to be signed by the same person, however the documents indicate that it should be the same individual.Im not even sure that these Public Notary signatures are even legitimate the expiration of their commission Expires the same day XX/XX/XXXX, however, 1 year apart XXXX and XXXX.Both signatures for the notary XXXX XXXX XXXX, on the two separate documents appear to be manufactured, just like the signature for XXXX XXXX XXXX. These illegitimate signatures may possible invalidate my mortgage assignments of my mortgage from XXXX to Ocwen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-01

Marlboro, MD

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-01

Wonder Lake, IL

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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-01

Las Vegas, NV

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-01

VT

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: We tried for a loan modification roughly 2 years ago after never missing a payment. They sent us out the paperwork and we were told that in order to apply for the modification we could not be current with our payments.They told us it would take no more than 3 months for the modification to go through and that with our circumstance it should be approved. They wanted us to make a trial payment while the modification was under review. We read too many things about homeowners being told to make trial payments so the modifications would go through, then the modifications took way longer than the 3 months and in the end they were denied anyway and given a huge bill as the trial amount was never accepted as your payments. We told them no thanks and did not sign anything and kept going on making our payments. About 7 months later we get a letter in the mail saying our trial modification was denied and we needed to make a lump payment sum of roughly 10k or they would start foreclosure procedures. We got multiple phone calls daily from them telling us that they were collecting a debt and if we did n't pay the amount they would foreclose. We kept explaining to them we had never missed a payment and we did n't owe them any late payments. It took us over a week and a half of us calling them constantly, we finally told them to send us they paperwork where it showed anything that we signed to be put in a trial modification program. Ever day we got their robo-dialer calls saying they were collecting a debt and we were behind. They realized they had no such form and finally agreed to look into it. It took them a few weeks more before they finally came back that we never agreed to the trial plan. A few months later we get bill saying we never paid our ins/taxes. Per them we had to come up with over 6k or our mortgage was going to go up XXXX a month because we were behind. Again we had to take weeks to explain to them we were not behind and it took them over a month to figure out they had us listed for a trial modification plan that we were never in. They actually took so long, " their '' new amount actually went in to effect. Now a year later we get told that our equity mortgage payment is going up on XXXX/XXXX/2017 and that we need to make our new payment. They have sent us nothing with a new amount so we called yesterday and we were told that there is nothing in their system that shows our payment is increasing and it 's the same it has been. Their website shows upcoming payments changes for XXXX/XXXX/2017 and nothing is changing. I had the wife call again today with the letter in hand because every step of the way Ocwen has been nothing but shady and dishonest. So today we get told they ca n't give us an exact amount but it looks like the payment is going up over 800 a month on XX/XX/XXXX. We notified Ocwen of all the above and they told us a Ombudsmen would be in contact with us. Since Ocwen was notified of our latest issue just under a month ago the following has occurred : *My next due payment (XX/XX/XXXX ) has all the sudden gone up an additional {$890.00} with not a single letter or phone call saying why or where this number comes from. But on the upcoming payment changes part of their website this number is no where to be found just our current payment amount ( showing due XX/XX/XXXX ). *We have for the past 3 weeks received a phone call from their ombudsmen saying they were looking into our issues ( they will not tell us what they are looking into, just that they are looking into them and need more time ). *When asked about the payment increase they know nothing on where the amount came from or why it is the amount it is. Just told that they need more time. *I pointed out that the amount is wrong and asked them to at least put that amount on hold and let us pay the normal amount until they get us an answer on why the amount has gone up by so much. I was told they ca n't do that. I have had multiple times where the payments have been wrong on Ocwen 's part that I have had to pay that they later went back and changed to the correct amount. So with 3 weeks to go till this " new '' payment no one is telling me anything other than they need more time. So now I am suppose to suffer because Ocwen does n't have their stuff together? Again I 100 % think Ocwen 's goal is to have us foreclose on my home. How can a company continue to make mistake after mistake and I pay for it? They can raise a payment by almost {$900.00} and never give you any notification on why or where this comes from?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-01

Wallington, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Where do i begin? for years i have been applying and asking for a modification on my home. for years i have been denied for whatever reason given. when OCWEN finally decided to offer me a modification my payment when XXXX XXXX dollars higher!! as long as i know a modification and asking for an affordable payment does not mean allowing my payment to go higher almost twice as much as it already was. calling in today with OCWEN i was told that my house went to sale at XXXX XXXX ET time. and that the sale date was scheduled on XXXX - XXXX -2017 since XXXX - XXXX -2017 there were 2 conversations, one on XXXX - XXXX & XXXX - XXXX where i was lied to and told that there was no sale date scheduled. Listed below are the representatives that were spoken to and the comments date and time. please contact OCWEN and have then pull the conversations so you can hear for yourself that we were advised that there was not sale date scheduled on property. XXXX / XXXX /2017, XXXX XXXX NOTE [ n ] - LENDER CALL : OCWEN SPOKE WITH : XXXX XXXX IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A XXXX / XXXX /2017, XXXX XXXX NOTE [ n ] - LENDER CALL : OCWEN XXXX SPOKE WITH : XXXX XXXX XXXX IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A I recently received a notice dated for the month of XXXX that i had the opportunity to appeal the denial and within a matter of 2 weeks my home went to sale. why would i be given the opportunity to appeal a decision to keep my home and be foreclosed on at the same time. i really need help to get my home back. this is not fair. i am a minority and an immigrant, a hard working tax payer. i did not want this to happen to me. the following representatives denied any assistance and were lying to me about the conditions and all details of the account XXXX XXXX - Refused to transfer me to management. XXXX XXXX XXXX is manager she eventually transferred me to lied by saying could not escalate. XXXX XXXX lied repeatedly about how to escalate. At this point i need all the help i can get in order to get possession of my home once again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-01

Boston, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-01

San Gabriel, CA

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened or suggested your credit would be damaged
Complaint: On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia. That even with my final Divorce Court Order decree dated around XX/XX/XXXX, California Family Law Court Case number XXXX XXXX awarding 100 % of my former Single Family Residence to my now Ex-wife effective the date of the signed Court Order. " XXXX '' refused to lawfully " Delete '' the subsequent " Foreclosure '' negative entry off of my " XXXX '' credit report after my now Ex-wife stopped paying HER mortgage sometime in XX/XX/XXXX. " XXXX '' told me to contact the former mortgage lender named " Ocwen Loan Servicing, LLC '' out of XXXX XXXX XXXX, Florida. And I did so in writing. On or about XX/XX/XXXX, I received a two page letter from " Ocwen Loan Servicing, LLC, '' dated " XX/XX/XXXX. '' " Ocwen '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " XXXX XXXX XXXX, XXXX '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( which is now trading at about {$27.00} per share as of this writing ). And I also did so in writing. On XXXX XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to : '' XXXX '' via regular U.S. mail postage. For nearly 3 weeks I heard nothing back from " XXXX. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. " XXXX '' signed for my letter around 4 calendar days later but still did NOT respond to it. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response. Then on XXXX XXXX-Monday-XXXX I received a two page written response dated " XX/XX/XXXX '' NOT from " XXXX '' but from " Ocwen. '' In short, they unlawfully " Denied '' my lawful request for a " Legal Binding Release '' form. that I was promised by " Ocwen '' in their original two page letter to me dated " XX/XX/XXXX. '' I OBEYED the XX/XX/XXXX California Family Law COURT ORDER, " Ocwen '' and/or " XXXX '' et al. still have NOT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-01

Wonder Lake, IL

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
Company Response: Closed with explanation

Timely Response

2017-08-01

Cecil, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-01

Kansas City, MO

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-31

Stamford, NY

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

Timely Response