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 170
2017-06-27
NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: XX/XX/XXXX CASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXX to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired last XX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
Company Response: Closed with explanation
2017-06-26
San Antonio, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: 1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that Ocwen Loan Servicing L has conducted. I vehemently contest the assertion ( s ) made by Ocwen Loan Servicing L that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that Ocwen Loan Servicing L is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents Ocwen Loan Servicing L & XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a Ocwen Loan Servicing L has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. Ocwen Loan Servicing L and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX XXXX XXXX, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if Ocwen Loan Servicing L isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my XXXX career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of Ocwen Loan Servicing L? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-26
Bueche, LA
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: I must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that Ocwen would not issue me BUT now Ocwen will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called XXXX and XXXX ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But XXXX and XXXX when they try and call Ocwen they get a different person every time and a different story every time. Neither XXXX nor XXXX will correct the XXXX late payment based on the multiple letters from Ocwen to me. They tell me they must verify with Ocwen and Ocwen will not verify they reported it incorrectly when the bureaus call them. I have that in writing from Ocwen with the letter dated XXXX XXXX. Ocwen then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by Ocwen. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.
Company Response: Closed with explanation
2017-06-26
Lewisville, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Ocwen Loan Servicing ( since they bought our mortgage ) has gone up from XXXX ( what it was when they purchased it to over XXXX now. We have filed MANY times for modification and it was DENIED each time. They are crooks. They manipulate numbers and they Purposely denied payments at one time when we fell behind hoping that we would default. We had to file bankruptcy ONLY because of OCWEN. I want our loan modified and the payment lowered. I know what our taxes are, I know what our insurance is and None of this constitutes the amounts they have increased our payment. When I submit a complaint, they do n't do ANYTHING BUT SEND PAPERS. MAKE THEM BE FAIR! I WANT A MODIFICATION TO OUR LOAN. UNDER NO CIRCUMSTANCES SHOULD THEY HAVE RAISED IT OVER 700.00 IN THE 8 YEARS OF THEM OWNING OUR LOAN. INSIST, that they do right by people or bar them from stealing from American Home owners!! Please take steps. I will file as often as I need to
Company Response: Closed with explanation
2017-06-26
Arco, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have a scheduled foreclosure sale date scheduled for XXXX / XXXX / 17 . Ocwen requested documents on XXXX / XXXX / 17 of an REO schedule which was provided the very next day. On XXXX / XXXX / 17 when i spoke with XXXX with Ocwen, he confirmed that the documents were received and the file was submitted to their Underwriting dept but the sale date was still scheduled for XXXX / XXXX / 17 and they would request postponement. On XXXX / XXXX / 17 I spoke with XXXX who confirmed that the file was still in Underwriting but that the sale date had not been postponed yet and she requested that i follow up on Monday XXXX / XXXX / 17 ( today ) to confirm that had been completed. Today when i called in they stated that the sale date was going to remain the same because the documents had not been completed 30 days prior to the sale date. This would completely contradict the information that they had been requesting. This is just very unfair. Now i am going to lose my home because of the misinformation.
Company Response: Closed with explanation
2017-06-26
Chester, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XXXX XXXX , 2017 I was discharged from a Chapter # XXXX Bankruptcy. On XXXX XXXX , 2017 I received a letter from the Attorneys of my Mortgage Company, the letter was accusing me of violated # 1322 ( b ) ( 5 ) of the Bankruptcy Code. The creditor states that I missed two mortgage paym ents. This is not true, and this is not the first time this particular company has given us problems. I am a XXXX veteran who suffers from XXXX , I do not need anymore XXXX in my life. My family and I work very hard to pay our bills, and stay above water. I did not miss a Chapter # XXXX payment or a mortgage payment. We do not have the money nor experience to battle with the lawyers and mortgage company. Please Help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-26
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-26
Kendall, FL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-26
MD
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: After conducting an in-depth review of my mortgage transaction and the conveyances of the subject property, I have found a number of violations with respect to the following Assignments. EXHIBIT A : Upon information and belief XXXX XXXX, XXXX XXXX and XXXX XXXX are employees of XXXX XXXX XXXX and not XXXX XXXX and or XXXX. XXXX testified in a XX/XX/XXXX foreclosure case in Florida that he signed up to 5,000 mortgage assignments per day at the loan-servicing company. Although he is an employee of XXXX, he signed the documents as a " vice president '' of XXXX XXXX XXXX, XXXX XXXX, XXXX and other institutions. ( See : Case # XXXX, XXXX Court of the XXXX XXXX XXXX, XXXX County, FL ) In his deposition, XXXX said XXXX multiplied his output by electronically stamping his signature on additional mortgage assignments that XXXX said he never saw. <P/>He testified, too, that all the documents then were falsely notarized. XXXX 's notaries were given stacks of the already-signed documents, he said, and attested falsely that XXXX had signed the legal papers in front of them. XXXX said he did n't verify the information in the papers he signed, and that he did n't understand key words and expressions in them. On thousands of documents, a California or North Carolina address is listed directly under XXXX name to help conceal his true employer. <P/>In a Texas case involving an Assignment signed by XXXX XXXX, a Texas Court denied an Application for Order for Foreclosure on XX/XX/XXXX, after the homeowner responded to the application with allegations of fraud based in part on the conduct of XXXX. See, In re Order for Foreclosure Concerning XXXX XXXX, Cause No. XXXX, District Court for XXXX County, Texas, XXXX Judicial District. XXXX XXXX XXXX, XXXX XXXX XXXX Correspondent, wrote an article about XXXX and XXXX Title on XX/XX/XXXX and on XX/XX/XXXX. XXXX has used the following job titles : Vice President, XXXX XXXX XXXX XXXX XXXX XXXX ; Vice President, XXXX, XXXX by XXXX XXXX XXXX, f/k/a XXXX XXXX XXXX XXXX, Its Attorney. <P/>EXHIBIT B : Upon information and belief this said Assignment is materially false, created with the intent to defraud those who might act upon the instrument and/or the information contained therein as genuine, as there is [ no ] evidence of this Assignment registered, recorded or transferred by XXXX. More specifically, there are [ no ] transfers, conveyances by XXXX beyond XX/XX/XXXX according to XXXX XXXX XXXX. <P/>The assignment contains the MIN : XXXX after conducting a search of XXXX sight, the MIN is registered to a note dated XX/XX/XXXX. ( See : Exhibit C ). Additionally, XXXX XXXX XXXX is also an employee of XXXX XXXX XXXX and NOT and employee of XXXX. Both Assignments violate Maryland Code Criminal Law Title 8 Subtitle 6, unfair and deceptive trade practices as defined in 13-301 of the Maryland Consumer Protection Act ( MCPA ) Md. Commercial Law Code Ann, The Fair Debt Collection Practices Act 812. Furnishing certain deceptive forms [ 15 USC 1692j ] and 808. Unfair practices [ 15 USC 1692f ], 8 U.S. Code 1324c and the Maryland Mortgage Fraud Protection Act ( Md. Code, Real Prop. 7-401 et seq. and 7-402 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-26
LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT I WAS DENIED BY MY SERVICER OCWEN ON X/XX/17, I CALLED THEM AND COMPLAINED. THEY STATED THAT GUIDELINES JUST CHANGED THE PRIOR WEEK SO THEY WILL REVIEW THE FILE AGAIN. THEY SENT THE FILE BACK TO THE UNDERWRITING DEPARTMENT AND ON X/X/17 I RECEIVED THE EXACT SAME DECLINE LETTER, MY INVESTOR DOES N'T HELP HOMEOWNERS THAT ARE OVER 90 DAYS DELINQUENT. THIS MAKES NO SENSE AS IT TAKES 30 DAYS TO MAKE A LATE 30 DAYS TO GATHER THE NUMEROUS DOCUMENTS OCWEN REQUEST OVER AND OVER AND THEN THEY SEND THE FILE TO THE UNDERWRITING DEPARTMENT FOR A DECISION WHICH TAKES 30 DAYS. OCWEN PUTS BORROWERS LIKE ME OVER 90 DAYS AND THEN SAY THAT MY INVESTOR XXXX XXXX DOES GIVE MODIFICATIONS BECAUSE I AM OVER 90 DAYS LATE. THIS IS OUTRAGEOUS!!! I ASKED OCWEN THE SERVICING COMPANY IF THEY EVER SENT MY REQUEST FOR MODIFICATION TO XXXX XXXX MY SERVICER AND THE REPRESENTATIVE STATED I DO N'T KNOW, I ONLY KNOW YOU WERE DENIED NOW WHAT IS YOUR INTENTIONS WITH THE PROPERTY. IT SOUNDS LIKE THEY ARE TRYING TO FORCE BORROWERS OUT OF THEIR HOME SO THEY CAN RESELL IT TO THEIR FRIENDS " INVESTORS '' THAT ARE BUYING OUR HOMES BY THE BULK CENTS ON THE DOLLAR. HOW DARE THEY PREY ON THE WORKING CLASS TO BENEFIT THEMSELVES. I AM NOT GOING TO LEAVE MY HOUSE AND I AM NOT GOING TO BE VICTIMIZE BY CORPORATIONS LIKE OCWEN OR XXXX XXXX
Company Response: Closed with explanation
2017-06-26
Castro Valley, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-26
San Francisco, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-06-26
Somerset, KY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Good morning. During the last year I was experiencing financial hardship due to a divorce. I reached out to my loan service Ocwen, about the possibility of an in house loan modification. Ocwen had helped me once in the past with a modification when I lost my job. They advised me that they would be happy to help me again in any way they could and sent me a loan modification package, which i promptly filled out and sent back to them. In the meantime, they advised me not to make any payments, as they would not accept any amount less than the sum of my past due payments, and that when my modification was complete, that i would be " back on track ''. I had no reason not to trust in them, as I mentioned earlier they had done this for me in the past, so I took what they told me to heart and simply waited for someone to contact me about the final terms of my modification. Meanwhile, unbeknownst to me, Ocwen was in full force foreclosure of my property. During my previous modification, I was advised by an Ocwen representative that I may still receive delinquency notices, but to simply " disregard '', as they are automatically generated, and that everything would be alright, I trusted them then, and it all came together as they promised. However, NOT this time. Instead of receiving a modification package from Ocwen, i receive a letter from the local Sheriff stating that they would be here to " seize my home '', the same home that has been in my family for almost 50 years. I was absolutely FLOORED to find that Ocwen had not only initiated foreclosure, but also completed it, so they say, conveniently " bought my house '' at sale, and was having me evicted with NO CORRESPONDENCE WHATSOEVER informing me of the situation at hand. I collected myself as best I could, sought legal counsel, contacted Ocwen, to no avail, wrote the Circuit Judge a letter asking for a stay in my case until I could try to strike some sort of agreement with Ocwen, and ever since I have been tossed from one desk to the next at Ocwen, like they are playing some kind of sick game, and always seem to land right back at their customer service center.. '' helping homeowners is what we do '' they boast ... On Friday XX/XX/XXXX, 2017, I received a telephone call from a man stating he was a relationship manager from Ocwen. His name Is XXXX, employee id # XXXX. XXXX advised me that he was contacting me to finish my modification, and that I needed to contact THEIR attorney at once, requesting a stay on my writ of posession, whilst he worked on said modification. I was suspicious at this statement, as I immediately thought that THEY should be the party contacting their attorney, NOT me?? I expressed my concern to XXXX, and was promptly halted, and instructed to do as he said, that he had a lot of work to do in order to complete this modification and not a lot of time in order to do so, and if they were to give me any rebuttal, to call him on his " direct line '' at XXXX and he would handle it. I reluctantly obliged and was promptly halted by his attorney. In the days since, I have been unsuccessful in reaching XXXX or Ocwens attorney, and now am back to playing a game of musical desks with ocwen to no avail.. On the bright side, I have yet to be ejected from my home, as the local court is graciously giving me time to exhaust every possible resource, however, my time is limited ... PLEASE HELP ME .... This is taking a toll on my nerves ... This home belonged to my Great Grandmother and I would like to keep it and pass it along to my only son ... PLEASE HELP
Company Response: Closed with explanation
2017-06-26
San Francisco, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-06-26
Royal Palm Beach, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-06-25
FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage with OCWEN Loan Servicing, LLC was paid off XX/XX/XXXX. OCWEN claims a check for the escrow balance was mailed to my home address on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the check. I have called the OCWEN customer service number several times, and all they tell me is the check was mailed XX/XX/XXXX. I 'm attaching a letter from OCWEN that documents that claim. I have always received monthly OCWEN mortgage statements sent to my home address, and yet my escrow balance check has not arrived after 21 calendar days. I live in the same state ( Florida ) as the OCWEN headquarters, so 21 days is more than enough time for the check to arrive through the postal system. I suspect that even though OCWEN 's financial system may indicate the check was mailed, it never was. Had the check actually been mailed, I 'm confident I would have received it. <P/>I understand CFPB has filed suit against OCWEN. Please feel free to contact me as I would be happy to relate the other problems I 've had with OCWEN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-25
Fort Pierce, FL
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: This is to inform you that inXX/XX/XXXXXXXX Ocwen loan servicing illegally foreclosed my property. On XX/XX/XXXX I received an illegal annual Escrow Account Disclosure Statement and a voice recorded created by Ocwen loan Servicing stated that in XX/XX/XXXX I made a payment in the amount of {$5.00}, XXXX also on XX/XX/XXXX my property was transferred to their Real Estate owned ( REO ) because due the lender placed Hazard insurance and taxes, also in XX/XX/XXXX I received an Delinquency notice from Ocwen stated that Im 1912 days delinquent on my mortgage loan. My account first became delinquent on XX/XX/XXXX. Please be advised that I never make any payments to Ocwen loan servicing until XX/XX/XXXX regarding the approval pending loan modification. This is totally fraud because I paid XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX until XX/XX/XXXX I made two payments to XXXX XXXX XXXX claimed that I missed XX/XX/XXXX payment. I also paid my home insurance since XXXX until XX/XX/XXXX and taxes since XXXX to XX/XX/XXXXexcept in XX/XX/XXXXOcwen paid my property tax, because Ocwen went ahead paid early thats why. Ocwen s use of inaccurate and incomplete information to collect mortgage, tax, and insurance payments, loss mitigation issues to proceed with foreclosures including balloon payments. Exactly what Ocwen done to me after I paid an attorney {$11.00}, XXXX because they promise to work with me then I dropped the law suit against Ocwen. Because Ocwen admitted that Ocwen incorrectly foreclosed my property onXX/XX/XXXX they sincerely apologize for any inconvenience this may have caused. Further, please note that they are in process rescinding the sale on the property. Instead I received a loan modification mortgage in the amount of {$220.00} plus a balloon payment in the amount of {$150.00}. XXXX Ocwen does not respect the Law, Owens continue lying and serve investors loan to harm home owners
Company Response: Closed with explanation
2017-06-25
Boca Raton, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-25
Occoquan, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I became delinquent on my loan with Ocwen when I lost my job of 8 years, they would not take me back after XXXX XXXX. I contacted Ocwen as soon as possible and tried to apply for a Loan Modification and see how they could help. 6 months+ later after sending paperwork several times ( because they always said something was missing or they took so long to answer that by the time they did the application was expired and I had to turn a new one in ) they told me they denied the modification but could not explain why. I asked them for options as I wanted to keep my home and by that time I was working again and they offered a repayment plan to which I agreed to only to be told during the same phone call that since I was back working I could apply for a Modification again. I told then I did n't wan na be behind on my payments any more than I already was because it was quite a sum, but they assured me that it was the best thing to do and I like an XXXX accepted. Mainly cause money was tight and under their repayment plan I 'd have to pay $ 3200+ a month which was quite a lot. Fast forward another 6months plus and I still am waiting for an answer about the modification because AGAIN they keep giving me the run around ( lost paperwork, incomplete, ilegible/send it again, etc ) and each time they ask me to resend something it takes them 30 days to review only to tell me they are still missing something. And the only people who can supposedly help you when you call their XXXX number is the relationship manager who handles your case but is never available when you call so you have to set up anappointment for them to call you sometimes weeks later. The kicker is that sometimes they call and others they do n't so you are left waiting for an aswer forever. Now the sum I owe has doubled and I will have to work wonders to get on a repayment plan if they deny my Loan Modification request and I want to keep my home. I read all these reviews on this page about how wonderful they are and how they have helped all these people and I ca n't help it but think that they 're fake because my experience has been totally the opposite. The only good thing I can say about them is that they are polite over the phone. I am at my witts end with this company and live in fear of going into a foreclosure every month. I even received a foreclosure letter from an attorney and when I asked Ocwen they said to not worry because it was a pre foreclosure one. I submitted a complaint to Consumer Affairs and Ocwen responded only to tell me they had done nothing wrong and to just keep waiting ANOTHER 30 days or longer to receive a response as to whether the application was denied or approved. Before this I had called repeatedly during the course of the year to ask them how much longer it would take and if they could just tell me whether they would approve or deny me so I can start repaying the loan. They would just say every time we can not it takes 7-10 business days for our review team to tell you which would turn into 30 days only to find out by me having to call that some document was missing AGAIN. I was at my wits end and having health problems due to the XXXX that this company has caused me and after a long wait they finally send me a letter, yes! 30 days after submitting a patsy they made me submit 4 times!! telling me I am denied for a loan modification again. Even though my income has increased significantly and they do n't even list the reason why it was denied. This company knew what they were doing from the beginning, they just wanted me to wait giving me the run around and wait until I owe so much that I ca n't pay and the come and take my house from me. A loan modification process should not take over a year to complete. They intentionally dragged it this far because they know my house is worth a lot in the market right now.
Company Response: Closed with explanation
2017-06-24
Discovery Bay, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Below are the details of our home loan from Ocwen Loan Servicing, LLC : Unpaid Principal Balance : {$420000.00} Original Principal Balance : {$430000.00} Escrow Balance : ( {$2600.00} ) Length of the Loan ( Months ) :360 Origination Date:XXXX Maturity Date:XXXX Interest Rate ( % ) :3.48738 We have NEVER missed a payment. We have been late two or three times, but have NEVER missed a payment. Summer of XXXX, we went through a loan modification with Ocwen. We were approved and our new monthly payments were to be {$2100.00} Our trial period began and every payment was made on time and 4 phone calls with our " Relationship Manager '' were made stating that the cashier 's check was mailed in. At the end of the 6 month trial period, which wasXX/XX/XXXX, Ocwen sent back one of our cashier 's checks. When we called to ask why, Ocwen said the loan modification was not signed, therefore null and void. We were shocked. We had no idea this was a requirement ( we had just signed and sent in all of the modification papers 6 months prior ) and we asked why we were not notified about this during any of these " relationship manager '' phone calls. Ocwen had no answer for that, they just said sorry and now we need to back pay {$16000.00}! We told them this was ludicrous and we needed to find another solution. I asked why we could n't just sign the paperwork? Ocwen claimed it was too late for that - federal rules and regulations. All of this because of a signature? And, you did not notify us? This seemed very underhanded and illegal. I asked what other solutions they had for us. Ocwen said we could try for another modification. We tried and were denied. When we asked why, they said because they could n't lower our payment by 20 %. I said we do n't need our payment lowered by 20 % - we are happy to continue paying what we were paying - in fact, we could pay a bit more each month. Ocwen said sorry. There was nothing they could do. I have called back three times looking for new solutions and have talked to a " manager '' but they just keep repeating the same round and round nonsense. Because we do n't want to lose our home, we made a {$7000.00}. payment and have to make payments of {$4200.00} a month for 11 months to get our " account current. '' We have tried to refinance, but here is the added salt to the wound - Ocwen is stating that WE HAVE 6 MONTHS OF LATE MORTGAGE PAYMENTS!! So, we have been turned down. I called to tell them this as well. I stated that they obviously do not want us as customers any longer and we are trying to refinance elsewhere, but they need to fix our credit history! Again, they said no and that they were sorry. I told them they were not sorry - how could they be? My husband and I went online and looked at all of the thousands of consumer complaints about Ocwen. From a recent XXXX XXXX article : Lawsuits allege mortgage servicer Ocwen 's mistakes cost some borrowers their homes XXXX XXXX and XXXX XXXX, XXXX XXXX Published XXXX XXXX ET XX/XX/XXXX | Updated XXXX XXXX. ET XX/XX/XXXX We are truly stuck and Ocwen is not helping us at all. They are just taking advantage of us and now we are trapped.
Company Response: Closed with explanation
2017-06-23
Russell, IA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-23
Rochdale, NY
Written notification about debt
Debt collection: Mortgage debt
Didn't receive notice of right to dispute
Complaint: I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale XXXX/XXXX/2017 with no notice to me. I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. I was forced to file Bankruptcy to stop the sale.
Company Response: Closed with explanation
2017-06-23
Latrobe, PA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-06-23
Charlotte, NC
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
2017-06-23
Charlotte, NC
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