OCWEN FINANCIAL CORPORATION

2017-06-16

Beach Haven West, NJ

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

2017-06-16

Hinkley, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have had a very difficult time with OCWEN. I have tried to submit for a loan modification a couple of times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. I am now in a full modification review with all the documents Ocwen has requested submitteed. I was told by my assigned rep XXXX XXXX that the foreclosure would be placed on hold while I am in review. Today I have been notified th at Ocwen has a sale date of XXXX / XXXX / 17 on my home. My husband is XXXX years old and this is causing a great deal of XXXX and concearn. We feel like Ocwen h as lied to us and backdoored a foreclosure sale date.
Company Response: Closed with explanation

Timely Response

2017-06-16

Coral Springs, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-16

Lafayette Hl, PA

Communication tactics

Debt collection: Mortgage debt

Frequent or repeated calls
Complaint: On XXXX XXXX at XXXX XXXX I received a voice mail from Ocwen stating that the message was " an attempt to clergy a debt. '' On XXXX XXXX at XXXX XXXX I received the same call with the same message. I am certain that this is a violation of the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-16

Forked River, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-16

Alta Loma, CA

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2017-06-16

East Rockaway, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: My husband took out a mortgage on our property in XX/XX/XXXX. I am on the deed but not on the mortgage. My husband passed away in XX/XX/XXXX. I paid the mortgage until XX/XX/XXXX. I was never permitted to speak to Ocwen because they said I was not on the mortgage.. When I stopped paying the mortgage and asked for a loan modification, then they spoke to me. Since XX/XX/XXXX, I have attempted to obtain a modification. They constantly say documentation is missing. I get off the phone and immediately refax it to them and the next time they communicate it 's still missing. I was never notified about who my loan was sold to. The borrower is supposed to be furnished with the name, address and phone no. Of the owner. This never occurred. I finally pushed to see who presently owns the loan and was given vague information so we really do n't know who the owner is. Aside from this fact the modification never came through and OCWEN keeps demanding that I sign a family transfer package. They have made no commitment for a modification, so I have been told by my attorney not to sign the papers. Also, I have been a XXXX XXXX and I am well aware that they are stalling and have no intention of giving me the modification. They often call and their reps are hard to understand and leave garbled messages. This co. Is a joke and is scamming the consumer.
Company Response: Closed with explanation

Timely Response

2017-06-16

MD

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: Currently, I have a XXXX mortgage with OCWEN Loan Servicing. Over th e last 3 months I have noticed that the payments are being applied to my checking account for deposit close to the late notice deadline, the XXXX of each month. In fact, two months back, I was charged a late fee although the payment was sent on the first of the month, before the deadline. I immediately started to receive threating foreclosure calls to my home. This prompted me to start tracking check deposit dates which in all cases were close to the XX/XX/XXXX . This month, XX/XX/XXXX the payment was mailed with 2 day delivery ( through the postal service ) and the check was not deposited until XX/XX/XXXX . <P/> I am concerned that this company is being intentional about late payments and perhaps derogatory credit rating. It was troubling that with a late payment ( which was their delay ) that calls started immediately to home threating foreclosure. <P/> I am concerned about this company and their practices.
Company Response: Closed with explanation

Timely Response

2017-06-16

Charlotte, NC

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-15

Montevallo, AL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: To Whom It May Concern : I discovered that XXXX of my mortgage payment was not applied to my mortgage. This caused my reinstatement amount to be higher than required because my payment was not applied. I have provided proof to Ocwen from my bank that clearly shows the payment was ACH debited from my account. The payment was not NSF and it is obvious my payment was applied to another account or not applied at all. I am contacting my bank to provide the ACH debit tracking number so Ocwen can easily trace what account this payment was applied to. The payment was withdrawn from my checking account ; however, the mortgage company ( Ocwen ) i s stating a third party servicer used by XXXX stated the payment was returned NSF. Thus, the payment was not applied to my mortgage account. I am not sure this is true or not - please research and contact the required third party servicers and parties involved to determine what happened to my payment. The payment was deducted from my account on XXXX / XXXX / XXXX in the amount of {$1000.00}. Here is the information provided to me from my bank : Yo u may provide the following information to the mortgage company. Our records indicate the Trace Number is XXXX for the electronic payment, t he Effective Date i s XXXX XXXX , XXXX , and the Amount is {$1000.00}. Additionally, t he US Cu stomer Identification Number is XXXX , the Company Name is XXXX , Company Identification : XXXX Regards,
Company Response: Closed with explanation

Timely Response

2017-06-15

Orion Twp, MI

Incorrect information on your report

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

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2017-06-15

Gilbert, AZ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-15

Houghs Neck, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-14

Lewisville, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Requested a Loan Modification i n XXXX XXXX to whence, after this request was consistently told from one moment to the next, the modification was incomplete yet no one could tell me what exactly or explain precisely what was needed. This was drug out until XXXX XXXX . What started out as a debt of about {$2000.00} ended up being close to {$8000.00}!!! Now, as I got ready to make my payment today, I am not hit with an additional {$400.00} or fees on top of my mortgage. The lender took me through much grief, worry, sickness and inconvenience only to tell me in XXXX or XXXX that I was denied because I had a modification 2 years earlier which was also a scam as they suckered me into a balloon payment of over {$18000.00} at the end of my mortgage. I have a total packet of over XXXX pages of back and forth issues and constant submissions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-14

Berkeley, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this. All calls directed to call center in XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times. I am scared as the house is in foreclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-14

IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Mortgage Lender Ocwen Home Servicing LLC has made unreasonable demands and repeatedly provided false and conflicting inconsistent information with unreasonable difficulties. I am very dedicated determined and consistent in submitting my documents ( close to 100 pages of documentation ). My modification process started by submitting the Ocwen requested documents dated XX/XX/XXXX- * XX/XX/XXXX all requested documents have been emailed to XXXX which included : -The most recent bank statements from XX/XX/XXXX for XXXX and XXXX XXXX -Social security award letters for XXXX and XXXX XXXX -Two Forms XXXX for XXXX and XXXX XXXX -XXXX form XXXX XXXX XXXX and XXXX XXXX -Section7 -Explanation letter regarding the XXXX XXXX income. * XX/XX/XXXX, called Ocwen XXXX XXXX and talked with representative # XXXX, representative confirmed satisfactory receipt of ALL the needed documents submitted via email additionally I was informed there was no " update '' available. * XX/XX/XXXX Representative # XXXX was not able to inform me if there is any additional info required and said no " update '' available. * XX/XX/XXXX Ocwen called - Representative # XXXX ( relationship manager ) - Still no information or underwriter " update '' or further requirements. Advised to check in on XX/XX/XXXX ( which I did ). *XX/XX/XXXX talked with XXXX XXXX. Update available. Mentioned 2 bank statements missing. The most recent bank statement requested with proof of SS income. One statement ( which was available was submitted immediately, the second statement was not unavailable until XX/XX/XXXX - which was submitted as soon as available- along with " NEW '' supporting documents mentioned by Ocwen on XX/XX/XXXX - even though apparently Ocwen had a deadline of XX/XX/XXXX *XX/XX/XXXX talked to XXXX who requested Award Letter of Retirement benefits from XXXX. Nobody before has requested that EVER PRIOR to that day with many opportunities and conversations. He also said that its too late to submit those documents as the deadline was on XXXXXX/XX/XXXX ( although no one has notified me even though I checked in by phone every few of days ). Today XXXX mentioned this update WAS available XX/XX/XXXX NO ONE HAS IN ANY WAY INFORMED ME of the need of Retirement Benefits prior to XX/XX/XXXX even though I checked in via phone and email consistently I also have all the notations with dates and times corresponding to this matter. XXXX said " It was a mistake on their part - that someone made an oversight BUT modification is not an option because its " too late '' ( I still submitted it to Ocwen as soon as I knew on same day XX/XX/XXXX ). *XX/XX/XXXX XXXX XXXX representative # XXXX informed that the sale of my home is pending for XX/XX/XXXX XXXX XXXX representative # XXXX mentioned XXXXne more missing document ( unbeknownst to me ) XXXX. Form was submitted immediately. XXXX XXXX representative # XXXX conversation lasted 1:12 hours, missing bank statements and form XXXX ( even though these were submitted ). She mentioned to call back and ask for a supervisor and ask the supervisor for hold on the sale of the home. XXXX XXXX representative # XXXX, I asked for a supervisor- supervisor number # XXXX took the call, I asked him to put the case ( sale ) on hold while its in the underwriting department. He still refused and insisted that there were missing documents ( even though all were submitted and must be in the system ). <P/>Every time I was in contact with Ocwen different person was on the phone with a very different set of always conflicting information. No one is able to explain that while the 14 days lapsed why no one from Ocwen mentioned the additional documents in a timely matter. Ocwen states they update their cases every 24- 48 hours. Which in my case that has never happened. All Ocwen Representatives were conflicting confusing they convoluted facts there was absolutely no clarity provided to allow me to properly submit the proper documentation in the timely matter, as they failed to disclose pertinent information. All the documents I found out Ocwen wanted were submitted immediately if available or as soon I had access.
Company Response: Closed with explanation

Timely Response

2017-06-14

Deltona, FL

Trouble during payment process

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

2017-06-14

Allenwood, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: A Notice of Intention to Foreclose was mailed on XX/XX/XXXX , however, a Complaint of Foreclosure was n't filed until XX/XX/XXXX which is a violation of the Fair Foreclosure Act as the Notice of Intent t o Foreclose is only valid for 180 days. However, I answered the complaint on XX/XX/XXXX . I was unaware dual tracking was taking place.I was working on a loan modification with GMAC, when my home was completely destroyed on XX/XX/XXXX by Superstorm XXXX . The insurance claim for the house was started immediately. On XX/XX/XXXX , I was notified that Ocwen Loan Servicing wo uld be taking over as the loan servicer on my loan. Since that time, I have spent countless hours dealing w ith numerous Ocwen customer service representatives, relationship managers, and multiple departments of Ocwen, trying to do a loan modification. Ocwen experienced computer programming errors which resulted in misidentifying the debt holder, deactivated my account to transfer to a new system, declared my home as vacant when it was actually demolished, poor response time, mail delays, and continuously showed their incompetence in other ways. Ocwen was well aware of my hardships and the desire to work out a loan modification in order to keep my family home of over 40 years. From losing my company, myself becoming XXXX , my wife being diagnosed with XXXX in XXXX and passing away in XX/XX/XXXX , and my home being destroyed during XXXX . I spoke with a representative fr om Ocwen at least 4-5 times a week for the past 5 years. Ocwen records all conversations so this should be documented. I would explain my situation, they would send me a modification package to fill o ut and submit to them. Another representative would tell me that I could n't submit the paperwork until I received a Certificate of Occupancy for th e rebuilt home. This became a very frustrating routine and went on until XX/XX/XXXX , when a representative told me that was n't the case and to submit the application. I submitted applications on XX/XX/XXXX XX/XX/XXXX , and XX/XX/XXXX . Each time there was " missing paperwork '', additional paperwork needed, need an appraisal, being assigned to an " expert '', a tactic used to delay and cause further hardship to me. On XX/XX/XXXX , I had received a call from a representative of Ocwen who would n't give me his name. The caller proceeded to yell at me, " How long are you going to keep dragging this out, why do n't you stop playing games ''. This was upsetting, abusive, and unprofessional. My application of XX/XX/XXXX was denied again on XX/XX/XXXX , I appealed the decision. The appeal was denied on XX/XX/XXXX , however, I found an error in the income calculations and was advised to resubmit income docu ments ( which I did ). Two departments within Ocwen failed to include additional income I reported. I am currently awaiting a new decision once they recalculate and include the additional income. I was led to believe that the sooner the home was completed, the sooner a loan modification could be worked out. The failure by Ocwen to expedite insurance payments during the rebuilding process prolonged the completion of my home. They lost documents which involved me having to fax documents multiple times to them. They issued checks to the wrong party, I had to return the checks and wait for a new one. Ocwen has shown to be careless and disorganized. As a result of all this, I missed out on programs that might have helped me, but ended in XXXX XXXX . I believe they deliberately failed to respond to my XXXX XXXX , XXXX application until XX/XX/XXXX , and then claimed an appraisal was needed in order to properly review the applica tion. Ocwen has done no thing to help me, in fact, they are doing just the opposite.
Company Response: Closed with explanation

Timely Response

2017-06-14

Vancouver, WA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-06-13

Colts Neck, NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: on XX/XX/XXXX XXXX hit our home and did alot of damage as well as 5 we eks no power and out of work because of same for months because my work was out of home, Ocwen loan service was l ess than helpful and because of the XXXX went into hospital XX/XX/XXXX and by this time I was three m onths behind in mortgage wit h Ocwen and tried a loan modification twice and was told lost paper work as well as on and off calls back and forth with no help from lender service Company, Ocwen, at t his time it was XX/XX/XXXX and I recieved a letter from Ocwen that they are going to foreclose. This was when we were working on the second Mortgage Modification with them, I than called XXXX XXXX Office Esq in XXXX , NJ XXXX and he told me to file a chapter XXXX bankruptcy as well as than after that we would file a second Bankruptcy ( CHAP XXXX ) including a now Third modification submitted by way of the courts, The XXXX was filed on XXXX and approved and the chapter XXXX was filed on XX/XX/XXXX and once again the XXXX put me in the hospital, Than by way of the courts i filed but yet again a forth loan Modification with XXXX office billi ng me another {$2500.00} for same and Ocwen never answered the complaint, it was court ordered.THRU THE CHAPTER XXXX .Than after that i was hit by a XXXX XXXX and it put me in XXXX IN TH E HOSPITAL and I had to let the Chapter XXXX discharge because had no work, could not work and ended up on XXXX . Now I am in Superior court, XXXX XXXX XXXX N.J. fighting Ocwen ag ain to try to save my home with but yet another Mortgage Modification and now on permanent XXXX as well as a XXXX daughter who lives with me, the XXXX has been unbearable to say the least. Thank you for any help your Bureau may off er, The loan i was told has been billing me over what was in writting and over charging me on servic ing etc, Ocwen are a bunch o f crooks sorry to say.
Company Response: Closed with explanation

Timely Response

2017-06-13

Salton City, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I was approved for a loan modification back in XXXX 2017. I was provided the trial modification agreement which required my signatures, in which I executed and used the prepaid return label provided by Ocwen to send the agreement back. I was told that they never received it so they sent me another package, in which I signed and mailed back also. I made the first trial payment in XXXX, and then again in XXXX, both times in which Ocwen accepted and processed my payments. Then on XXXX XXXX 2017, they informed me they still did not receive the signed agreement, again I was provided another return label from them and mailed the signed agreement back. Then I was informed that they canceled the trial modification because the agreement was never received, which can not be possible as I mailed it to them using their return label 3 different times. I am now being told that the modification is voided and I have to start over from square one and I now have an active foreclosure sale. Something is seriously wrong in this because I would not jeopardize the offer they provided and I made sure to comply with all their requests. I am uncertain why the labels they provided are not being directed to the correct department and now my 3 signed agreements are lost in action.
Company Response: Closed with explanation

Timely Response

2017-06-13

Holland, VA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-13

Washington, DC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: ine complaint portal. ...XX/XX/XXXX XXXX XXXX XX/XX/XXXX to Consumer Greeting, I would like to file a complaint against :- The Ocwen / Home Ward Residential On or around XX/XX/XXXX I contacted my loan servicing company Ocwen about refinancing , I was told my a XXXX , " We don't do refinancing but we have a replicable company whom we work with". I was given a loan officer by the name of XXXX XXXX , whom took an application over phone and gave me a Quote on what my new monthly payments would be. He then ask for several public and personal information that he claim was needed to move my application forward, all those information was given to XXXX XXXX. XXXX XXXX urge me also to paid for an appraisal right away which he said would move things faster so refinancing could be closed. I made it clear that I did not want to pay for an appraisal If I was not going to get loan, he replied that they were just waiting on appraisal to go through closing. I gave e-mail XXXX XXXX my ATE card, he deducted $XXXX from my account. I was not satisfied with appraisal and I inform XXXX XXXX , I was not satisfied with appraisal and I wiil not sign for it. XXXX XXXX response was the appraisal had not to with me being qualified for for refinancing---------I made it clear to XXXX XXXX I needed no loan just to lower my interest rate. I then about three other people from home ward asking for information that I had give to XXXX XXXX XXXX:- A XXXX XXXX XXXX XXXX XXXX XXXX I then HAD SOME QUESTIONS ABOUT THE HOW PROCESS WAS BEING CODUCTED , THEN I WAS TOLD WE DONT DO REFINANCIN IN YOUR AREA, WE WILL LET YOU
Company Response: Closed with explanation

Timely Response

2017-06-13

Houston, TX

Trouble during payment process

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

2017-06-13

Los Angeles, CA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: Case numbers : XXXX XXXX XXXX QWR and Debt Validation was not addressed and no financial documents were given to me from my request. The Notice of Rescission of notice of default XXXX XXXX , XXXX , was not addressed at all from my request. The XXXX XXXX , XXXX TILA rescission is an event that happen I am not asking them to consider. XXXX XXXX , XXXX " effective upon mailing '' No answers to any question to in my written request and they are late in the response also. XXXX XXXX
Company Response: Closed with explanation

Timely Response