OCWEN FINANCIAL CORPORATION

2017-07-20

Glenmont, OH

Trouble during payment process

Mortgage: FHA mortgage

Complaint: In XXXX, I made a complaint against Ocwen Loan Servicing regarding they 're servicing of my loan. There was no resolution to the problem. I hired a lawyer ( {$6000.00} ) in XXXX that said I had a strong case against Ocwen and agreed to sue Ocwen on my behalf. In the end for {$6000.00} the only thing he 'd done was to stop the sale of the house temporarily and get another loan modification. Which after the modification trial period wanted me to agree to a {$30000.00} FHA loan and agree not to sue Ocwen. I did not agree. Ocwen kept me in a state of foreclosure since XXXX. Every month in XXXX I kept recieving delinquency notices. I called Ocwen to make sure the money was being received and was told yes it was being recieved. Then in XX/XX/XXXX, I was told I was so for delinquent they would n't take payments any longer. That 's when I contacted CFPB. There was no resolve to the problem at that time and that 's when I hired XXXX XXXX. In XXXX after I 'd not accepted the offer for the modification my home went back on the court docket for sale. I then hired another lawyer, XXXX XXXX, bankrupcy lawyer, to avoid the sale of my house. I am currently under a chapter XXXX bankrupcy in order to save my house. After years of trying to get information regarding what I actually owe on my home I still do n't have any clear document stating what is owed or what all the fees and fines are for and monthly late fees. Nothing! I have entered into this bankrupcy just to save my home. I have spent {$10000.00} to save my home and Ocwen has not been held accountable for any of what they 're responsible for.
Company Response: Closed with explanation

Timely Response

2017-07-20

Boston, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-20

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-20

Lexington, KY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: XX/XX/XXXX Ocwen Loan Servicing LLC allegedly purchased the mortgage from the GMAC bankruptcy. The mortgage is recorded in the name of a non-existent XXXX XXXX XXXX XXXX XXXX. ( XXXX ) The Note or underlying debt necessary to enforce the mortgage is believed to be lost or destroyed. Ocwen has refused to reveal the identity of the person ( s ) they are servicing the loan on behalf or where payments on the loan, a payoff or a settlement of claims would be paid. Ocwen filed ( a now dismissed ) foreclosure Complaint in the name of the fake XXXX knowing that it did not exist. It is believed that the loan was paid off as part of the T.A.R.P. and was part of one of the XXXX XXXX XXXX. Ocwen has racked up thousands of fake forced placed insurance fees and escrow claims on behalf of a non-existent client. The property in question is a family farm and is part of a bankruptcy estate. Regardless, Ocwen continued to send escrow and Forced Placed Insurance bills for collection. Owen avoided having to reveal the identity of it 's " client '' during the bankruptcy by not filing a proof of claim, relying on it void mortgage lien to the non-existent XXXX.
Company Response: Closed with explanation

Timely Response

2017-07-20

Chef Menteur, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-20

E Millstone, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2017-07-20

Bayonne, NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-07-20

Babylon, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-20

Bells Cross Roads, 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

Timely Response

2017-07-20

Mabank, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I have been trying for years to get a modification on my mortgage. Ocwen approved it for about XXXX and my income is only XXXX. This was ridiculous and XXXX. I tried again they told me I didn't make enough money and denied the modification. I decided to sell the house thru a short sale. I got a few offers and sent the best one in. I've never heard from any one at Owen accept for a letter in reference to that offer and nothing so they were taking sooo the buyers walked and another offer was sent. I called for several days and got nowhere. Someone finally answered and told me that they will get in touch with the person assigned to the account. The same day XXXX XXXX emailed stating he was waiting on my realtor to reply about the first offer. He was advised they walked and there is another offer. I asked what was needed so that I could make sure my realtor sent the info to him asap. I emailed to let him know my realtor was out of town returning the following week and I will make sure he get the missing information to move the process along. He was advised the current buyers are waiting for an approval. All this happened on XX/XX/XXXX. So then I receivef a letter stating that I canceled the short sale. I ABSOLUTELY DID NOT CANEL THE SHORT SALE. I DID NOT SPEAK WITH ANYONE OR SEND IT IN WRITING THAT I DIDN'T WANT TO CONTINUE WITH THE SHORT SALE.. THESE PEOPLE ARE LIARS. I WANT A COPY OF THE PHONE CALLS WHERE I HAD A CONVERSATION SAYING THAT..I WANT A COPY OF WRITTEN REQUEST STATING THAT. They have reported my house was in foreclosure when it wasn't. I've requested documentation for the denial of the modification. I have requested several times to speak with someone whose 1st language is English and was refused EVERY SINGLE TIME. I'M looking for results and to date I have been given the run around. Please help me. I am not you to stop this time and if I have to get an attorney I will. I tired of the abuse from their reprentatives and XXXX XXXX and XXXX. And this is just the minimum of what has happened. Below is a copy of the email with the agent. I also called him with no response before I sent this complaint. I DON'T KNOW WHAT TO DO. I HAVE PUT 1000 PERCENT IN THIS MATTER. **************************************** Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent. I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer. Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer. Thanks XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX | XXXX, Texas XXXX P: XXXX XXXX | F: XXXX XXXX Email: XXXX | XXXX ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now. Please help XXXX. Hide quoted text On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent. I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer. Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer. Thanks XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC XXXX XXXX. XXXX XXXX XXXX | XXXX, Texas XXXX P: XXXX XXXX | F: XXXX XXXX Email: XXXX | XXXX ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** Ok I will make sure you get the info. She is on vacation until Monday but I will email her right now and text her. As far as the HOA, they responded back and they are waiting on the approval from you all. I'm just hoping the buyers don't walk again. Thank you. I will follow up with you on Tuesday to make sure everything is received. Thank you for getting back with me. I appreciate it. Hide quoted text XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello- I have emailed your realtor for the docs that we need at this time. We need Proof of funds from the buyer HUD License from both buyers and sellers agents. In regards to the HOA , there is nothing we can do about that at this time. XXXX From: XXXX XXXXl [XXXX] Sent: Wednesday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX XXXX Subject: Re: XXXX XXXX OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now. Please help XXXX. On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent. I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer. Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer. Thanks XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX | XXXX, Texas XXXX P: XXXX XXXX | F: XXXX XXXX Email: XXXX | XXXX ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** Hi XXXX did you ever receive the missing information? Show quoted text Hello XXXX, I am confused about a letter I received about the short sale denial. Why would y'all say that I withdrew the application as I have never had a conversation with ANYONE ABOUT WITHDRAWING YOU ALL ARE LYING ABOUT ME. I AM WAITING ON AN APPROVAL FOR THE OFFER THAT WAS SUBMITTED. I WOULD LIKE A REDPONSE about the offer. I never never never withdrew the short sale. Hide quoted text On XX/XX/XXXX XXXX XXXX, "XXXX XXXX" wrote: Hi XXXX did you ever receive the missing information? On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Ok thanks XXXX From: XXXX XXXX [XXXX] Sent: Wednesday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX XXXX Subject: RE: XXXX XXXX Ok I will make sure you get the info. She is on vacation until Monday but I will email her right now and text her. As far as the HOA, they responded back and they are waiting on the approval from you all. I'm just hoping the buyers don't walk again. Thank you. I will follow up with you on Tuesday to make sure everything is received. Thank you for getting back with me. I appreciate it. On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello- I have emailed your realtor for the docs that we need at this time. We need Proof of funds from the buyer HUD License from both buyers and sellers agents. In regards to the HOA , there is nothing we can do about that at this time. XXXX From: XXXX XXXX [XXXX] Sent: Wednesday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX XXXX Subject: Re: XXXX XXXX OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now. Please help XXXX. On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello= I am the agent working the short sale on this file. I have been communicating through equator with your agent. I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer. Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer. Thanks XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC XXXX XXXX. XXXX XXXX XXXX | XXXX, Texas XXXX P: XXXX XXXX | F: XXXX XXXX Email: XXXX | XXXX ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ********************************************************************************************
Company Response: Closed with explanation

Timely Response

2017-07-19

Azwell, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-19

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-19

Anastasia Is, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-19

Lk Buena Vis, FL

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I understand that OCWEN Loan Servicing LLC is being sued by the CFPB for numerous charges including misapplying borrower payments, botched escrow and insurance payments. I have in the past and am currently battling OCWEN on these exact same issues. I am relieved to hear that OCWEN might finally be penalized for these unscrupulous business tactics. I am seeking assistance to stop OCWEN from foreclosing on my property. I have received Delinquency and Default Notices and they are threatening foreclosure although all of my payments have been made on-time and in full. I have never missed a payment! The following is a timeline of events related to my most recent issue : XX/XX/XXXX : Enter into attached Interest-Only Mortgage Modification with GMAC Mortgage ( this loan subsequently acquired by OCWEN Loan Servicing, LLC ) XX/XX/XXXX : Escrow Analysis received : effective XX/XX/XXXX, new escrow payment= {$410.00} total shortage= {$1300.00} new monthly payment= {$1500.00}XX/XX/XXXX : I sent written notice to OCWEN that I will no longer be paying my escrow with my monthly mortgage payment following disbursement of my property taxes by OCWEN from my escrow account. ( due to numerous discrepancies and inaccuracies in this and past Escrow Analyses ) XX/XX/XXXX : Property taxes disbursed by OCWEN to XXXX County, FL tax collector- {$2200.00} XX/XX/XXXX : Escrow balance= {$46.00} XX/XX/XXXX : Escrow Analysis received : effective XX/XX/XXXX, new escrow payment {$360.00} and total shortage of {$740.00} new payment = {$1400.00} XX/XX/XXXX - current : I make payment of {$1100.00} each month on-time and in full. This amount is the interest-only payment required per the terms of my Interest-Only Mortgage Modification Agreement. I am not required to pay escrow or principal until XX/XX/XXXX. ( See Section 4 of the agreement )XX/XX/XXXX - receive Delinquency Notice stating I owe {$3300.00} XX/XX/XXXX - receive letter from OCWEN stating hazard insurance coverage insufficient. XX/XX/XXXX - XXXX ( my insurer ) provides written notice to OCWEN that Insured is to be billed. XX/XX/XXXX - receive Delinquency Notice stating I owe {$3800.00}. XX/XX/XXXX - XXXX sends notice to OCWEN of new hazard coverage amount. XXXX OCWEN pays {$1300.00} to XXXX premium on policy for the insufficient coverage! XXXX I meet with a HUD Housing Credit Counselor and together place a call to OCWEN to rectify the issues related to the Default status, the misapplied portion of my monthly payment to escrow and why they made payment to XXXX and for the lesser hazard coverage. Nothing is resolved in the phone call, yet the customer service representative states he will email me a follow-up. XX/XX/XXXX -receive an email with the attached Reinstatement Letter - with fees and line items that make no sense at all. XXXX I receive my updated policy and invoice from XXXX for the increased coverage. I make payment of {$94.00} for the shortage as a result of OCWEN payment on XX/XX/XXXX. XX/XX/XXXX - receive another insufficient hazard coverage notice from OCWEN XX/XX/XXXX - OCWEN makes payment to XXXX in the amount of {$94.00} for the sufficient amount of hazard coverage. ( I discovered this today-XXXX ) XXXX Meet with HUD Housing Credit Counselor and place another call to OCWEN. Directed to a Relationship Manager. All the same questions which were asked on the XX/XX/XXXX call are asked again, with no resolution. The Relationship Manager stated repeatedly that I owe the escrow, he ca n't undo the Default status nor correct any negative credit reporting. He further stated that he could n't " de-escrow '' my account since I had less than a 75 % Loan to Value Ratio. How can this apply to an Interest-Only Loan?? I can never get my balance down, since I do n't pay any principal! OCWEN is trying to foreclose upon a customer who has never missed a payment! I am seeking relief from OCWEN 's threats of foreclosure. I demand OCWEN rectify financial information related to my account- bringing my loan current, removing all fees, stop applying my interest payments towards escrow, no longer make payments for insurance and property taxes on my behalf, and remove all negative credit reporting. I intend to ask XXXX to reimburse OCWEN for the payment they made and then pay XXXX directly for the total premium for the increased coverage. OCWEN will be provided a copy of the declaration to ensure the coverage is sufficient. I look forward to your response.
Company Response: Closed with explanation

Timely Response

2017-07-19

Irondequoit, NY

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2017-07-19

Reading, MA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-07-18

E Millstone, NJ

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with non-monetary relief

Timely Response

2017-07-18

San Jose, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. The servicer is not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. The servicer denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submitted loan modification many times and Ocwen continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-18

CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I bought my home 11 years ago inXX/XX/XXXX. The loan I got was a terrible balloon/arm 30 year loan. The original loan servicer was XXXX XXXX XXXX. Then the loan was transferred to XXXX XXXX XXXX. And then it was transferred to Ocwen Loan Servicing. Ocwen has been servicing my mortgage for about the past 6 or 7 years now. In XX/XX/XXXX I ran into financial problems and was n't able to afford my monthly mortgage payment. So I tried twice to get my mortgage modified through Ocwen. During the second try, someone from Ocwen actually told me over the phone that I was approved for the modification and that my monthly payment would be around {$580.00}. I was so relieved until Ocwen sent me a letter saying I had been denied a modification. When I called them to figure out why they told me I was approved before. They told me they would have never said anything like that over the phone. So in order to save my home, I filed for chapter XXXX bankruptcy. I have been in Chapter XXXX bankruptcy since XX/XX/XXXXand I have just a few more months left to pay. So on XX/XX/XXXX, I received a verification of mortgage account letter from Ocwen and they are claiming I have a 45 year mortgage when I should have a 30 year. So I call Ocwen and they tell me " Oh its just a typo ''. So I just go about my business thinking everything 's OK. Then on XX/XX/XXXX I receive a mortgage payment change letter from Ocwen . And on the second page under the " New Interest Rate and Monthly Payment '' section, Ocwen claims I have 408 months left on my mortgage. Which would mean I have a 45 year mortgage. How did my 30 year mortgage become a 45 year? This is n't right at all. Also another complaint is my mortgage payments have fluctuated alot over the past few years. You will find my original loan terms document and both Ocwen letters attached.
Company Response: Closed with explanation

Timely Response

2017-07-18

Sanford, ME

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-18

Main Office, VA

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
Complaint: Ocwen Loan Servicing is reporting on my credit report a late payment in XXXX of 2016 and failed to fix the problem I attached a letter from Ocwen verifying and confirming the error but they still failed to address error
Company Response: Closed with explanation

Timely Response

2017-07-18

New Boston, NH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-18

AL

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: O n XX/XX/XXXX I found out that Ocwen was supposed to send a a Non- Approval stating why I was denied loan modification. The Non-Approval letter should have the Net Present Value ( NPV ) that Ocwen used to decide non approval for all of loan modification from XX/XX/XXXX to XX/XX/XXXX . Ocw en has violated my Civil Rights under the 14th Amendment, procedural due process. Ocwen treated my application different from other applicants. Sending every applicant a non approval letter with the NPV was mandatory if the individual was denied the loan modification. The federal gave applicant a way to double check to make the loan institution used the correct numbers. I was never given that chancertain. Ocwen is receiving federal funds from the government, and is not in compliance of Title VI of the Civil Rights Act of 1964 dealing programs and activities. MAKING HOMES AFFORDABLE was a program that was funded by the federal government.. TITLE VI SUBCHAPTER VFEDERALLY ASSISTED PROGRAMS states the following : 2000d. Prohibition against exclusion from participation in, denial of benefits of, and discrimination under federally assisted programs on ground of race, color, or national origin. No person in the United States shall, on the ground of race, color, or national origin, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any program or activity receiving Federal financial assistance. ( Pub. L. 88352, title VI, 601, July 2, 1964, 78 Stat. 252. ) AS I stated before Ocwen has refused to make available the NPV for my loan modification denials. No NPV was done for any of my loan modification because Ocwen refused to make them available to me.In Ocwen 's response, it was conveyed thatasking to see the NPV was addresses in my two previous complaints. If it was addressed, why do n't I have copies of the NPV. Ocwen 's sent me several documents along with reply to previous complaint. Nothing in that package discussed NPV. Below is the reply Ocwen emailed to me on XX/XX/XXXX : XX/XX/XXXX Lo an Number : XXXX XXXX XXXX XXXX E-mail : XXXX Property Address : XXXX XXXX XXXX XXXX , AL XXXX Dea r XXXX XXXX XXXX , Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 You requested us to provide Net Present Value ( NPV ) used for the modifications during the years XX/XX/XXXX to XX/XX/XXXX . Response : Ocwen previously received substantially similar correspondence regarding the same issue, concern or request for information. A response to that inquiry was issued on XX/XX/XXXX by our Ombudsman department. As this request does not contain new or material information, we respectfully request that you refer to responses previously provided by Ocwen. Please contact us if a new issue or concern arises or if you like to request new information that was not received in a prior response. As of the date of this letter, the loan is due for XX/XX/XXXX payment. For any further information, you may contact our Customer Care Center at XXXX ( Monday through Friday XXXX XXXX to XXXX XXXX ET, Saturday XXXX XXXX to XXXX XXXX ET and Sunday XXXX XXXX to XXXX XXXX ET ). We hope Ocwen 's response addresses your query. Please take the brief survey on the link below. The survey will provide us with valuable feedback regarding your opinions on how we met your expectations with the response you received to your query. We understand your time is valuable and we greatly appreciate you providing your opinions in order to help us serve you better. Helping Homeowners is What We Do! XXXX XXXX XXXX loan= XXXX NMLS # XXXX XXXX This communication is from a debt collector attempting to collect a debt ; anyinformation obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is purely provided to you for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. NO OCWEN 'S RESPONSE DID NOT ADDRESS MY QUERY. I WANT COPIES OF THE NET PRESENT VALUE USED TO DENY ME A LOAN MODIFICATION. IT IS MANDATED BY THE FEDERAL GOVERNMENT.
Company Response: Closed with explanation

Timely Response

2017-07-17

Carson, MS

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-17

Chandler, AZ

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response