OCWEN FINANCIAL CORPORATION

2017-06-09

Diamond Bar, CA

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: On XX/XX/XXXX O cwen Loan Servicing LLC, said it was No Longer Servicing this Loan # XXXX on a letter sent in reply to CFPB a government Agency. On or about XX/XX/XXXX Oc wen Loan Servicing LLC posted property Inspection fees, Legal Filing Service Fees and a GSE-REO Liquidation transaction. How is this Possible? When the on XX/XX/XXXX th ey show a Loan disbursement of XXXX , to WHO? They show force placed Insurance on XX/XX/XXXX XX/XX/XXXX , XX/XX/XXXX . On XX/XX/XXXX there is an alleged sale XXXX XXXX County Recorders Document # XXXX from XXXX to XXXX XXXX . and in XX/XX/XXXX , Document # XXXX from XXXX XXXX to XXXX and XXXX XXXX . On XX/XX/XXXX Ocwen Loan servicing, LLC shows 6 transaction occurring on that day. How is this possible since they stopped servicing this loan in XX/XX/XXXX 6 and it sold twice since? Also If They did a Full Credit Bid they are precluded from collecting its debt. Did they Pay Cash in Lawful Money of the United States? Please show the receipt and proof of funds .Document # XXXX See attach ed 1 ) So what was it a Purchase? A Credit Bid. 2 ) Was Loan Disbursed? Insurance paid it? or was it Sold? Ocwen Has violated Title 15 U.S.C 1692c ,1692e,1692f,1692g,1692h,1692i,1692j . Evidenced by their own admissions to the CFPB complaints submitted. Also Unjust Enrichment, Filing false insurance Claims, and other Financial Crimes R.I.C.O. related
Company Response: Closed with explanation

Timely Response

2017-06-09

Brooklyn, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-09

Santa Ysabel, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: After 6 phone conversations and over 6 weeks of asking what was going on with my mortgage payments with XXXX XXXX I finally found out during a conversation that there seems to be an issue with payments made in XXXX and XX/XX/XXXX . The agents just kept telling me I was delinquent and refused to say anything else until I yelled at one that I had cashed checks in front of me. <P/> At no time has XXXX XXXX notify me in writing of the shortage from XXXX and XX/XX/XXXX on my loan. According to California Law they are not allowed to go back on a chapter XXXX once it has been discharged. <P/> They continue to hold my current mortgage payments in escrow ( XX/XX/XXXX thru XX/XX/XXXX ) and notify me that I am delinquent. I had no way of knowing what this was about since all my mortgage payments were cashed by XXXX XXXX on a timely manner ( attached checks ) They choice to hold my money and not credit my account for up to 90 days.I have attached letter from XXXX showing how they credit my payment incorrectly after 90 days. The amount that is in question is {$1000.00} and XXXX XXXX has sent me a delinquent notice for over {$7800.00} see attached. <P/> According to agent # XXXX they sent me a letter in " XX/XX/XXXX '' notifying me that my mortgage payment would be increasing and he insist that this constitutes a notice of delinquency. I can not be notified of a delinquent or deficiency in XX/XX/XXXX on a payment due in XXXX and XX/XX/XXXX . <P/> At no time has XXXX XXXX notified me of a deficiency in writing. When I call their XXXX number their standard comment is it has to be sent to research and it will take 10 to 14 days. Not until I called research directly have I been able to get any information and then I find out they do n't even know when my bankruptcy was discharged. They have done nothing to address the issue, or to resolve the problem. They insist that I am 2 full payment behind in my mortgage account. <P/> Their practice is to take the current mortgage payment hostage. I have attached several of their delinquent notices, you can see that there is no reference to the XXXX and XXXX shortage. I have tried to reason with XXXX XXXX and all I get is a run around. <P/> I filed a chapter XXXX in XXXX which was discharged on XXXX XXXX XXXX with XXXX XXXX XXXX agreement to the discharge. Now I am 6 months later and they have turned my non-delinquent account over to all XXXX credit bureaus as delinquent. I have not been late or short on any payment since XXXX XXXX XXXX . <P/> I called XXXX XXXX /Ocwen to renegotiate my interest on my loan in XXXX XXXX with no success. During this discussion XXXX XXXX did not mention that I had a shortage on the XXXX and XXXX payments. <P/> They have ruined my credit that I have worked so hard to reestablish. This action is criminal and against regulations and XXXX XXXX should not be allowed to do such a thing. It should be noted that not once in writing or during a phone conversation has XXXX XXXX offered for me to pay the shortage created in XXXX and XX/XX/XXXX and clear up the mess they created. According the RESPA this is what they should have done. <P/> This is an act of discrimination as ; I am a female senior, and I have done nothing but tried to solve this problem. <P/> I have attached page 19 Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) Please help me with this situation ASAP
Company Response: Closed with explanation

Timely Response

2017-06-09

Hollywood, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

Forked River, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

Memphis, TN

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have a mortgage from XXXX XXXX which is administered by Ocwen. I have an XXXX from XXXXXXXX XXXX University which was ranked # 14 in the country when I graduated so I understand financial instruments. I have a buyer for the house, but instead of the amount owed being a Current Principal Balance {$46000.00}, Ocwen said it was {$58000.00}. I was alarmed because my expectations were the balance is less on an early pay off. I questioned the account manager and here are some of the charges that were either ambiguous by name or just false. {$250.00} for house appraisal, never happened never heard what the established value was. The list went on {$2700.00}, {$160.00}, {$1200.00}, {$160.00}, {$17.00}, {$19.00}, {$700.00}, {$400.00}. I had him stop there. I had to press him extremely hard to find out all my options. At one time upon their own volition they did a " streamnline mortgage ''. I neither ask for it in writing or verbally. I missed a XXXX payment, but made the XXXX payment. In XXXX I tried to make a payment, but they refused to accept it stating I was over 89 days past due. In an earlier conversation the representative told me specifically you now do not get locked out until 120 days past. This was again corroborated today XX/XX/XXXX. The XXXX payment should have been accepted by Ocwen but they created a false prohibition using a previous policy that had ben modified. I was then told I was not eligible for HAMP after XXXX XXXX? I have a buyer that will take the property and the balance will be paid. With the additional {$12000.00} they have become reluctant and Ocwen has served me with papers fron the sheriff. This is highway robbery made up fees and charges for things never done or without clear definitions of these fictional charges No explanation. I need help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-08

Oak Grove, MO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Received collection ca ll from Ocwen mort gage on XXXX / XXXX / 2017 about my XXXX 2017 mortgage payment. She asked me if I was able to make the payment I told her yes to do a e-check if there was no charge. She looked in system & set up draft from account & then told me there was already a payment set up in the system to come out. I asked her if she could verify the day the payment was schedule to come out of my account & she told me her system did n't show her the date. I asked if she was sure & she confirmed yes payment will come out of your account. I received a call today fro m Ocwen who advised me that XXXX 2017 payment was not made & I told her of my last interaction with a Ocwen rep last week of XXXX . She told me she would send info to the research department. I am sure Ocwen records their calls. All they need to do is pull the tape of the call & verify what that the rep told me payment was al ready schedule. It is not unusual for me to set up auto draft payment early in the month to come out on payroll date & get collection calls after payment has been scheduled. I need CFPB to help me get the 30 day late removed from my credit 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

2017-06-08

Leon Valley, TX

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

Lk Buena Vis, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: the loan was modified b y Ocwen loan servicing but i could not make payments on the Loan because they lost my mortgage modification papers twice after approving them .by the time they finally fixed my loan the loan was kicked off by their system.they closed the loan and said and put in my credit report that loan was charged off as a bad debt. they actually sold the loan to another company and I am actually paying on the loan .Ocwen loan servicing has committed an act of fraud against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-08

Beyersville, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: My husband was a XXXX vet and we have been married 20 years. He refinanced the home and assured me that if he died I 'd have no problems with it because my name is on the deed. When I sent Ocwen loa n servicing the death certificate and a legal inheradence paper they still would not put my name on the title. I have never been late and my name is on the taxes for the home but they send the bill reading the estate of XXXX XXXX . I told them to put my name on it now. I have a paper with a notary signature of inheradence. That they asked for and I sent it to them. What should I do. I 'm a widow and I ca n't afford lawyers to help me. I just want to make sure the home is done right so I can make out my will. I am currently on payments and lived here for 20 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-08

Hinkley, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I have a mortgage wi th Ocwen Loan Servicing and i hav e always made my payments on time. I received a payment coupon in XXXX and it showed my payment was going from {$830.00} to {$1700.00}. I was not given a reason why the payment was going up. My wife spoke to multiple people at Ocwen and found out the reason the payment was going up was due to a mix up with the insurance. Ocwen s upposedly got the insurance problem fixed and told me the XXXX payment was to be {$830.00} and that if I paid {$500.00} toward the escrow account my XXXX payment would be {$830.00}. I mailed a payment to Owcen for t he {$830.00} which was cashed on the XXXX and now Ocwen is tell ing me they never recevied that payme nt. Ocwen the n refunded me {$870.00} on XXXX the XXXX and are now telling me the XXXX payment was never received and are now reporting me delinquent with the credit bureaus. I 've got nothing but a run around with Ocwen and just want to get this resolved as soon as possible. Ocwen has directed me to send a copy of the cancelled check that they cashed to their research department. I 'm just a fraid this process is going to take too long. They have already sent me a notice that they are going to foreclose if I do n't bring my account current.
Company Response: Closed with explanation

Timely Response

2017-06-08

Hillsdale, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

Co Spgs, CO

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

2017-06-08

Corona, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

San Diego, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Ocwen s ettled my conventional loan with a DIL, which I wanted, and I am no longer in procession of the house. However, I also had a home equity loan as a XXXX lien. We negotiated the $ XXXX balance down to {$23000.00} of which I paid off {$11000.00} in XXXX XXXX . I have letters from Ocwen st ating they would pay the remaining {$12000.00} with th e Hafa program. T he DIL was finalized on XXXX XXXX , XXXX . However, Ocwen fail ed to pay off the XXXX lien to XXXX Bank. The loan was initially given to XXXX XXXX and now the law firm of XXXX XXXX XXXX XXXX XXXX XXXX is handling it. They just contacted me have given me until the end of the month to pay the remaining balance that Ocwen ne ver paid or they are taking me to court. I have contacted people fro m Ocwen and they say they are taking care of it and that they needed a letter from me to discuss the file with the law firm in which I provided. Because of Ocwens history of being able to complete things on time I am worried that this will not happen before XXXX / XXXX / XXXX . If that is the case, I plan to su e Ocwen for whatever amount XXXX XXXX takes me to court for which could be anywhere from $ XXXX {$25000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-08

Jacksonville, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

Okanogan, WA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-07

NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Two years ago i became unemployed. OCWEN told me to file an application for mortgsge assistance. With much delay with back and forth snd missing documents, they denied my appkication because they processed it as a modification. I filec again. It was the same stalling process which then i was told application expired and to start again. I resubmitted the application again which as per Ocwen, has been lost. I was denied mortgage assistance and foreclosure protection while unemployed. When i was paying my mortgage they had me over paying in escrow and they were not paying my taxes or insurance on time. I have been working for six months. Ocwen will not allow me to make monthly payments until i pay {$45000.00} in missed payment which does not include interest and fees. In XXXX XXXX , I wrote a complaint to their research department. I received a letter with a reference number and an assigned agent. The letter says i should have a response in 10 days. No response as of today. When i call and ask to speak with the agent i am told that person doesnt work there. Ocwen has caused me a great deal of stress and frustration. I fear becoming homeless everyday. They refuse to workout a payment plan or any agreement to resolve this situation. They advertise " we are here to help '' but they have failed to deliver required foreclosure protection to me. They have denied me assistance to avoid foreclosure. They have added to my already everyday struggle and have caused me more loss. They have failed to adequately investigate and respond to my concerns and complaints. They have initiated foreclosure before completing a review of my loss mitigation. I feel they have wrongfully initiated foreclosure proceedings. Should i hire a lawyer at this point? Is there anything you can help me with? I would be grateful for your response. Thank you.
Company Response: Closed with explanation

Timely Response

2017-06-07

Oxford, GA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: My mortgage company continues to increase the interest rate on my loan and I can not it afford as I am on a fixed income
Company Response: Closed with explanation

Timely Response

2017-06-07

Grosse Ile, MI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-07

Barefoot Bch, FL

Attempts to collect debt not owed

Debt collection: Federal student loan debt

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

Timely Response

2017-06-07

Sacramento, CA

Closing on a 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

2017-06-07

Laurel, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-07

Mc Kinney, TX

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response