OCWEN FINANCIAL CORPORATION

2017-06-06

Scottsdale, AZ

Credit monitoring or identity theft protection services

Mortgage: Conventional home mortgage

Complaint: Ocwen loan servicing has reported the I was late on a payment back inXX/XX/XXXXof this year. I have the statement from them to prove it is not true. But they have already hit my credit report. The worse part of all this is this is the second time in about 1 year that Ocwen has done this. The first time was after my bankruptcy was completed last year. the reported I was behind on payment. I have never missed a payment and after proving it to them which toke months Ocwen came back and said it was underpayment from the bankruptcy and it happen while I was with XXXX XXXX XXXX. After about six months the made me refinance at the same rate and years that I was already at. I have been making more then the monthly payment since. Which is a good thing because it seems like they keep changing the monthly amount. It seems like they are trying to do it all over again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-06

Birmingham, AL

Incorrect information on your report

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

2017-06-06

Grand Prairie, TX

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-06

MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX /Ocwen ( XXXX XXXX XXXX XXXX XXXX ) an nounced back in XX/XX/XXXX / XX/XX/XXXX that my house would be getting foreclosed and I had to leave premises. There was an auction on my front lawn. I was told after to leave and I did. Later I received a XXXX validating the foreclosure and seizure of said home. Also calls directly from ban k I no l onger owned home. I then started receiving calls from police and neighbors of drug activity and other criminal activity at house. as well as calls from board of health. I kindly stated I no longer owned house. this went on for over a year. finally I was notified a XXXX XXXX XXXX offender was squatting at the home and I could be held liable. Then I went to registry and noticed something wrong with deed. Only to find out there was an " illegal foreclosure ''. The registry was ambiguous at best with fake and faulty assignments. the bank without notifying me unforeclosed, when they realized they did the foreclosure illegally. but by this time I had already moved. TO THE POINT A XXXX XXXX REGISTERED AS LIVING THERE! I removed XXXX XXXX and secured the house through out the years spending a great deal of monies. The bank started sending me bills as if there was never a foreclosure and I lived there the whole time. I tried to explain how unfair it was to have me vacate, tell me I do n't own it, send me tax certs saying I do not own it. I was only a few months behind originally when it was foreclosed. then years later. say I own it. and now I owe all the money plus fees etc. I tried to explain how this makes no sense. if you took it ( foreclosed ) legal ly and I was only 3 months late. How can you tell me years later, Oh we made a mistake and you owe all mortgages since the beginning? So the original bank, was XXXX XXXX XXXX contacting me and now ocwen.
Company Response: Closed with explanation

Timely Response

2017-06-06

NC

Incorrect information on your report

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

Complaint: On XXXX XXXX XXXX I have the documentation from the title company stating the release of mortgage and the payoff amount of {$32000.00} to Ocwen loan servicin g the title company was XXXX XXXX XXXX XXXX New Hampshire since then every month Ocwen loan s ervicing has reported a delinquent or non payment to my credit report even though they have been paid off in full and the house has been sold for a year in addition for a month afterwards they attempted to take money out of my bank account even though they had been paid in full and the house was sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-06

Manor, DE

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-06

Sedgwick, CO

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-06-06

Mill Valley, CA

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

2017-06-06

San Jacinto, CA

Incorrect information on your report

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

Public record information inaccurate
Complaint: Ocwen is falsely reporting is preventing XXXX- XXXX from getting financing on a new home. <P/> XXXX XXXX- XXXX purchased the property located at XXXX XXXX XXXX XXXX , XXXX XXXX and the making payment to the servicer GMAC Loan # XXXX XXXX XXXX until XX/XX/XXXX when the loan was purchased by Ocwen Loan Servicing , LLC. <P/> XXXX XXXX- XXXX filed BK XX/XX/XXXX and continued to make payments to the loan servicers on her home on time with never had any lates. In XX/XX/XXXX her loan was sold from GMAC to OCWEN. OCWEN serviced her loan for 4 months and then she sold the house. Exhibit-A Mortgage Statement Dates XX/XX/XXXX GMAC Loan # XXXX XXXX XXXX with a balance of $ XXXX- Exhibit- B XXXX. XXXX- XXXX paid that loan in full though a traditional sale. Seller Final Settlement Statement dated XX/XX/XXXX show Pay off to Ocwen Loan Servicing {$82000.00} to XX/XX/XXXX- Exhibit- B On XX/XX/XXXX Ocwen reconvened the property Loan # XXXX XXXX XXXX Full Reconveyance by Ocwen Loan Servicing LLC, # XXXX XXXX for instrument # XXXX-XXXX Doc # XXXX-XXXX- Exhibit-C XXXX. XXXX-XXXX attempt to purchase a new home only to be denied by potential lenders due to the erroneous reporting by Ocwen of loan # XXXX XXXX XXXX as a collection Thou the Loan was paid on fill as evidenced by Exhibit-C. Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX- Report # XXXX Page 7 under Collection Accounts Owen Loan- # XXXX XX/XX/XXXX to XX/XX/XXXX - $ XXXX- XXXX month mo. Rev- XXXX XXXXxXXXX, XXXXxXXXX, XXXXxXXXX+ Page 8 under Public Records Chapter XXXX Docket # XXXX -filed XX/XX/XXXX Discharge XX/XX/XXXX Collections Accounts Bankruptcy XXXX- Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX- Report # XXXX. Exhibit- D XX/XX/XXXX XXXX. XXXX-XXXX contact Ocwen requesting Ocwen to current the faulty. XXXX XXXX XXXX-XXXX sent request dated XX/XX/XXXX to Ocwen asking to them to correcting the credit bureau reporting. -Exhibit- E Ocwen sent and letter stating that Ocwen determined that Ocwen did not acquire serving rights for the subject loan, Yet accepted payments and issued a Full Reconveyance, for Ocwen Loan Servicing LLC , # XXXX Recorded Doc # XXXX XXXX on XX/XX/XXXX. Exhibit- F This false reporting is preventing XXXX. XXXX- XXXX from getting financing on a new home.
Company Response: Closed with explanation

Timely Response

2017-06-05

Lewisville, TX

Incorrect information on your report

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

Account information incorrect
Complaint: Homeward Residential/Ocwen AKA AHMSI is n ot reporting correctly to XXXX that my account was delinquent as of XXXX , 2010 . This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current XXXX credit report when the credit delinquency if great tha n seven years. Homeward Residential/Ocwen were reporting the XX/XX/XXXX delinquency 's correctly to XXXX and XXXX . The account has dropped off of these credit bureaus due to th e 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to Ocwen th at they correct the credit reporting with XXXX . They have refused to do so. XXXX defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act. <P/> I have attached a copy of my mortgage Statement dated XXXX , 2010 that shows my payment due date is XXXX XXXX , 2010 w hich also sho ws 2 past due paym ents ( XXXX & XXXX 2010 ). S ee the bottom of page XXXX in the attachment for past due details. I have also included a copy of my XXXX report that shows Homeward Residential reported me as past due from XXXX thru XXXX 2010. XXXX and XXXX has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-05

Houston, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Ocwen Loan Servicing LLC After falling behind on my mortgage payments, I requested a modification of my loan. After 2 attempts, I was approved for a modification. The company asked for three months of trial payments before approving the modification. I requested 3 times to see the terms, in writing, of this proposed modification but was told that this information is not available. My lastest conversation was with a " relationship manager '' today XXXX XXXX , 2017 . I was told that I could not speak to anyone in Underwriting, could not receive the terms of my proposed modification and that the relationship managers did not have access to any of this information.
Company Response: Closed with explanation

Timely Response

2017-06-05

Shreveport, LA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I was placed on XXXX leav e in 2016. Asked for a modification Packet from Ocwen. Completed the packet in its entirety. Certified the packet back to Ocwen. They would not contact us, respond to emails, phone calls or certified letters. 2 months later they sent us a notice to foreclose.
Company Response: Closed with explanation

Timely Response

2017-06-05

TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: in 2016 we paid over {$20000.00} in our escrow account for taxes and insurance. Ocwen Bank misappropriated these funds and gave us a {$6000.00} refund. However the taxes and insurance for that year came to {$4500.00}. Thi8s leaves {$9500.00} unaccounted for. I have tried to clear this up with them via telephone and they seem to not know what happened to the {$9500.00}. I have all the paperwork that supports my accusation of misappropriated funds. The {$9500.00} was not applied to our principal it just disappeared. Please help 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

2017-06-04

Blackbird, DE

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: Fall of 2016 I began to fall behind on my mortgage payments due to extreme marital and financial issues. My second month of falling behind I explained to my mortgage company ( OCWEN ) my difficulties ; they assured me they would help. After 90 days of missed payments, I was no longer allowed to make any partial payments. I was already in the midst of applying for a modification through OCWEN. I complied with their deadlines and all request for documentation. 6 months afterwards I receive a modification answer. Their offer to fix my difficulties was to increase my APR ; increasing my monthly mortgage payments by approximately 100.00 a month or repay my XXXX debt in 6 months. Neither option was acceptable or reasonable. OCWENs inability to process my modification request in a timely manner excluded me from programs that would allow me to simply put my debt on the rear of my term ; which I originally requested. 7 years of owning my home, I have never defaulted on my loan until now. Now I must come up with my monthly mortgage plus my past due debt in order to not go into foreclosure. This is extremely troubling. I need help because I do n't know what to do. I am also battling an issue with OCWEN refusing to remove homeowners insurance premiums from my agreement ; I never wanted it, Ive always had homeowner insurance through XXXX, I have even had to have XXXX representative 3way a telephone conference with OCWEN where XXXX informed them that they have no legal way to make me go with their homeowners insurance as OCWEN was stating. OCWEN was supposed to have corrected this issue and refund me the difference and never have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-04

Lenzburg, IL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-04

Los Angeles, CA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: Complaint # XXXX - I have not received any documents from my request of XXXX XXXX , 2017 this is an QWR and Debt Validation request sent to : OCWEN Loan Servicing, LLc and XXXX XXXX XXXX . No answers just copies of a appraisal and copy of the canceled Note? This is not the answers asked under the QWR and debt validation letter sent to both companies. This has been ove r one mon th now. Complaint # XXXX - No answer yet to my question. This has been over 1 month now.
Company Response: Closed with explanation

Timely Response

2017-06-04

Columbus, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-04

Ridley Park, PA

Improper use of your report

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

Reporting company used your report improperly
Complaint: I XXXX XXXX file a CFPB complaint as I believe th at Ocwen Federal Servicing is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My XXXX credit report shown my firs t 30-day l ate payment for XX/XX/XXXX . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my Ocwen account would come off XX/XX/XXXX . Ocwen also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the Ocwen account should already be removed. Accordingly, I will be satisfied with a XX/XX/XXXX removal date. The XXXX credit report has cut off the same six-years of payment history, and shows a beginning date of XX/XX/XXXX The XXXX credit report showing XX/XX/XXXX is acceptable, and I need verification from Ocwen Loan Servicing that the account information will be remove XX/XX/XXXX .
Company Response: Closed with explanation

Timely Response

2017-06-03

Manhattan, KS

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-06-03

Temperanceville, VA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-03

Cols, GA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-03

Nyc, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-06-02

Atl, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-02

Norfolk, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request and are proceeding to sale set for XXXX / XXXX / 17 - the lender is in violation of r egulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Company Response: Closed with explanation

Timely Response

2017-06-02

Wiconisco, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response