OCWEN FINANCIAL CORPORATION

2017-05-25

Bellaire, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-25

Cumberland, RI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-25

Riverbank, CA

Incorrect information on your report

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-25

Lewisville, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I filed bankruptacy XXXX XXXX XXXX ; # XXXX due to faud from XXXX XXXX XXXX in Fl. They cashed XXXX checks made out to XXXX XXXX group. I presented the copies. XXXX was going to " help me save your home due to the Obama help women save their home program ''. They never sent my payments to OCWEN : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX # XXXX. I was so excited to save {$400.00} a month on my mortgage that I gave the information to XXXX XXXX, XXXX, CO. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX did the SAME thing to her. However, her loan is with XXXX XXXX, and it has been fixed. She had a nasty divorce. I am a widow. XXXX is taking advantage of women! Ocwen said I owed them XXXX in XXXX. I hired XXXX {$4300.00} to help me. I have made 12 payments ON TIME and my XXXX payments ON TIME. Ocwen returned my XXXX payment saying I was LATE in XXXX They cashed my on time XXXX payment.. I visited XXXX, sent Ocwen {$2000.00} for XXXX and {$2000.00} for XXXX. I called them with a witness. They want {$72000.00}. or want to auction my home!! WHY?? PLEASE HELP. My XXXX yr old mother lives with me ... ..I filed social security EARLY JUST TO SAVE MY HOME. The rest of my life this XXXX XXXX Veteran widow will get {$450.00} less because of OCWEN.
Company Response: Closed with explanation

Timely Response

2017-05-25

Bellaire, TX

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: Please see word document : Fraud of securitization with the intent to defraud the government and consumer. Ocwen purchased a loan with the knowledge of defrauding the consumer they stop taking payment as in Unemployment Forbearance in XXXX. Ocwen did not submit the transfer until XXXX Ocwen sent the modification XXXX and there were problems with the modification it was not the modification I requested. I requested the Hamp II modification. Ocwen sent a letter in the middle of an escalation stating I miss my first payment for the XXXX modification that was never approved by Ocwen or myself. I was told XXXX they cancel the modification and was resubmitting it for the HAMP II modification. I requested for them to resend the inhouse modification sent in XXXX just in case the HAMP II did not go through, I did not receive the in-house modification until XX/XX/XXXX. Ocwen sent the modification after the due date of XX/XX/XXXX and sent me a letter in XXXX stating I miss the first payment. I did not even have the modification. Predatory lending-not fixing the loan amount and bankruptcy attorney had to file several motion to obtain the correct mortgage amount. Capitalization- of the loan by refusing to offer HAMP II allowing the loan to accruing fees and high interest rate.To increase the amount of the loan and the worth of the property. Fraud of transfers of promissory note no one know who holds the note Ocwen can not prove they hold the promissory note and states a group of investors who do not hole mortgages. They stated XXXX XXXX who never notified me they were the new holder of my property.Not sure it seems the took over from MortgageIT. Who they states is my mortgage company now in the present this can not be if they sold to XXXX XXXX. Mortgage it has not been my mortgage company since XXXX. They are trying to sale the house quickly in a non Judicial foreclosure sale with out the correct notification and documentation. They violated the Texas foreclosure laws by posting the home for sale before notifying the consumer. I found out only by consumers who wanted to purchase the house. I was not certified until after I called Ocwen and they stated they did not know a foreclosure sale was on the home. They contacted the substitute trustee who does not hold the promissory note who informed the company Yes there is a Foreclosure sale date on the house and Ocwen does not know about the sales date. Ocwen continue denial of the HAMP II modification who kept asking for payroll documentation. When supplied with the payroll they would come back and asked for YTD information that was on the pay-stub. Complaint is about USC 2605 Transfer a ) Disclosure to applicant relating to assignment, sale, or transfer of loan servicing Each person who makes a federally related mortgage loan shall disclose to each person who applies for the loan, at the time of application for the loan, whether the servicing of the loan may be assigned, sold, or transferred to any other person at any time while the loan is outstanding. ( b ) Notice by transferor of loan servicing at time of transfer ( 1 ) Notice requirement Each servicer of any federally related mortgage loan shall notify the borrower in writing of any assignment, sale, or transfer of the servicing of the loan to any other person. ( 2 ) Time of notice ( A ) In general Except as provided under subparagraphs ( B ) and ( C ), the notice required under paragraph ( 1 ) shall be made to the borrower not less than 15 days before the effective date of transfer of the servicing of the mortgage loan ( with respect to which such notice is made ).
Company Response: Closed with explanation

Timely Response

2017-05-25

Jacksonville, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: A Plea for Help This letter is being written as a plea for help. In XX/XX/XXXX I was laid off from my employment and was jobless for approximately 9 months. Subsequently bills fell behind. In addition, I was sued ( Case Number : XXXX ) by my Home Owners Association ( HOA ) XXXX XXXX XXXX XXXX XXXX XXXX , and, unbeknownst to me, and because I was confused about the process and missed the court date, the property fell into foreclosure and the HOA was able to win the case and foreclose on my home. I am now renting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , Florida XXXX who now holds a Certificate of Title to the property. Upon possession of the property, this owner threatened to evict me and I had to come up with almost {$2000.00} just to stay in the property. This is an unprecedented process that is on the rise and people are losing their homes for pennies. I am unable to pay the mortgage payment, plus another $ XXXX per month to live in this home. I reached out to you in XX/XX/XXXX , b efore the foreclosure occurred, asking you to pay the HOA and add that amount to my mortgage and I received no response. History of the Foreclosure Process When I was served notice about the hearing regarding the past due HOA fees, the notification was served to my child and I was not home and my son was being harassed regarding his relationship to me. That was done in a very unprofessional manner. Regarding the property value has deteriorated and gone done tremendously since I purchased the home in XX/XX/XXXX . There had been break-ins and burglaries on the rise since I have lived here. There is no security. I had to increase my cost on my alarm system just to feel safe. The added expense is also another reason why I had fallen behind on my HOA fees. This development appears to have more renters than homeowners and it shows through-out the development. The properties are not maintained and kept well due to the renters not being responsible for the homes they are renting. Yards are not being properly cut in a timely manner, causing overgrown weeds, snakes and other dangerous predators, and the kids in the neighborhood throw trash as they are walking throughout the neighborhood. Due to the irresponsible renters, this has caused a significant change in the value of my home. It is impossible for me to sell the property, or put it on the market at a decent price. I did not think it was fair to pay an HOA fee when they were and still are not maintaining anything within the development that I have seen. The prior president left and had taken thousands of dollars and I, nor other homeowners should be penalized under those circumstances. The HOA never contacted me and asked why I was not paying the fees, nor did they appear to care, which is a concern. I had spoken to some of the neighbors within the development, and they were also past due on their fees and were not willing to pay, based on many of the facts listed in this letter. In a court document I requested to have the HOA please contact me directly on my cell phone in order to come to an agreement on what was owed, minus attorneys fees, interest, collection costs, costs incurred and any other additional cost. The claim of lien shows XXXX . The fees started back in XX/XX/XXXX , which I did not agree upon.
Company Response: Closed with explanation

Timely Response

2017-05-25

San Diego, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Several years ago, my mortgage was sold t o Ocwen Mortgage Servicing. Not long after, I was laid off my job due to their age policy and I could no longer afford my mortgage payments. I notified Ocwen of the situation and they proposed that I take their " unemployment modification '', making monthly payments of a reduced amount for 12 months and if I did that, they would then give me a permanent modification. I was compliant, made my payments, called them a month before the temporary unemployment modification ended. They then told me I owed {$13000.00}, which was increased a month later to {$16000.00}, then {$18000.00}, until it reached almost {$55000.00}. I was told the money reflects mortgage due for that year long period. They called it a " balloon '' payment. I was shocked since no one told me that this would happen. I reminded them that I had been making monthly mortgage payments, albeit a reduced amount. The told me to complete a loan modification application, which I did. In fact, I completed close to a dozen modification applications, sending them all the documentation they requested, only to be told they either never received it, lost it or denied it. I requested that they tell me what to pay for a monthly mortgage while this was resolved but they never did! They then told me that I had no homeowner 's insurance on the property, which was wrong since that is paid through my HOA and I sent them proof of the insurance. They then attempted to charge me for " inspections '' ( never happened ), lockbox ( there was none ) and they advised me via a phone call ( nothing ever was hard copy! ) that I signed a deed-in-lieu and to vacate my property! I NEVER signed a deed-in-lieu and told them I wanted to see it because if it did exist, my signature was forged. I never received a copy. I attempted on NUMEROUS occasions to resolve this, including going to Keep Your Home California for assistance. They approved my request for assistance, offered Ocwen up to {$100000.00} to reinstate my loan and reduce the principal to make payments more doable. Ocwen refused to accept the money! Now, my home is scheduled for auction on XXXX XXXX , 2017. I a m XXXX years old with several catastrophic medical conditions and will not survive living on the street. I believe Ocwen has behaved in a criminal-like manner and is attempting to rob me of my home, as they have done with so many others. I do know that XXXX XXXX , the AG of California, has been attempting to prevent Ocwen from doing business in California and the BBB refuses to do business any longer with Ocwen. Now, they are attempting to force me to sell my home in a short sale prior to the auction date. They have done many other less than legal and fraud type of activity on my loan. I am desperate at this time not to be put out o n the street, esp ecially by a lying, thieving company like Ocwen. They should not be allowed to remain in business due to their more than shady practices. Please help me remain in my home and put these people out of business to prevent them from doing any more damage to their " customers ''. I am open to virtually anything that would resolve this issue and allow me to remain in my home, which I have lived in for 13 years! Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-05-25

Compton, 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

2017-05-25

Hollywood, FL

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

Timely Response

2017-05-24

Memphis, TN

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: I have applied for a loan modification Ocwen mortgage at least 5 times. The first couple of times I applied I was denied due to not obtaining a signature from a spouse that I had been separated from 16 years and he was not a co-borrower on the loan on which I was requesting the modification for. The most recent modification was denied do to Ocwen stating they did not get a signed agreement from me, and after I had made all three requested payments earlier than requested. During conversations with Ocwen, they never once requested those documents from me and I had spoken with my relationship manager at least 4 times during that period. Also, when I initially called regarding the status of the mod on XX/XX/XXXX, the rep never advised me that the payment was due on XX/XX/XXXX. Coincidentally, I received a statement in the mail advising the payment was due on XX/XX/XXXX. Also during the 4th time I applied, I contacted Ocwen to discuss the mod, and they had already denied the mod, per the rep I spoke with, due to me not making a payment within 1 day of the due date the 2nd payment was requested The tracking on the payment reveals that Ocwen received the payment on the XX/XX/XXXX by XXXX XXXX, but the payment was not processed until the XX/XX/XXXX of the same month in which is was received. Another issue I am noticing with Ocwen is that, they are not really advising me properly when action is taken on the mod. I spoke with them last week and they stated the mod was denied on XX/XX/XXXX. I have yet to receive those papers as well. They are taking negative action on the mod and not notifying properly. I assume that I may not be the only client that may be experiencing similar issues with Ocwen. Ocwen is also reporting my account closed and that no payment has been received since XX/XX/XXXX on my credit report and causing my score to be lower, when the account is open and up payments were being made thru the trustee before the account was removed from the bankruptcy. I 've also noticed that payments sent by mail are processed as late as 16 days. This could mean unreasonable capitalization of interest and late payments for some customers. On the other hand, when I pay {$16.00} and pay through an online company my payments are posted within 3 days.
Company Response: Closed with explanation

Timely Response

2017-05-24

Arco, CA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: XXXX XXXX , 2017 Sent a QWR to these companies. OCWEN Loan Servicing LLC XXXX XXXX XXXX I have not gotten any answers to my request. I did get a print out of something but no answers to the questions I asked on the QWR of XXXX XXXX , 2017 .
Company Response: Closed with explanation

Timely Response

2017-05-24

Dayton, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am writing to complain that Ocwen, in spite of numerous complaints to both Ocwen and CFPB ; Ocwen continues to mishandle loan balances. 1. ) Ocwen misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to numerous CFPB complaints and complaints filed through Ocwens Ombudsman. Because of the mishandling of my mortgage account I was forced to file bankruptcy in XX/XX/XXXX to save my home. 2. ) Ocwen was listed in my Chapter XXXX bankruptcy plan as a priority claimant but did not file a proof of claim within 90 days of bankruptcy filing as required by bankruptcy court procedure. Even though Ocwen was a claimant in an active bankruptcy I started receiving letters from Ocwen informing me that my home was in a pre- foreclosure status even though Ocwen was listed as a priority claimant on my chapter XXXX plan. In addition to the pre- foreclosure notification letters I also received loss mitigation documents via email and mail from Ocwen offering a loan modification. 3. ) Ocwen is one of the largest Mortgage service providers in the United States and as such the mistakes and mismanagement of my account and non-compliance with Bankruptcy procedures should be not considered frivolous errors. As a result of the noted problems with Ocwen and their failure to file a proof of claim a sustainable payment plan and debt reorganization could not be managed properly through the bankruptcy court. I elected to have my current bankruptcy dismissed. A new Chapter XXXX plan was filed on XX/XX/XXXX . Ocwen is shown on the new chapter XXXX plan as a priority claimant. In an effort to prevent future noncompliance with Bankruptcy rules and procedures by Ocwen that could impact the new payment plan my legal team filed a proof of claim on Ocwens behalf. 4. ) Ocwens mismanagement of my mortgage account while in an active chapter XXXX bankruptcy has resulted in financial hardship. My new payment plan through the bankruptcy court of {$1600.00} per month is {$600.00} per month higher than my previous payment plan of {$1000.00} per month. 5. ) In a prior CFPB complaint Ocwen placed all subsequent payments for calendar year XX/XX/XXXX and XX/XX/XXXX i n a suspense account in the amount of {$8300.00} with no explanation. When the accounting adjustments were made by Ocwen the loan was not at that time in a delinquent status. No notification, explanation, or rationale for placing an entire year of mortgage payments in suspense was provided to the mortgagee, or the Bankruptcy Court prior to Ocwen making the accounting changes. Additionally the accounting changes made by Ocwen o n the for-noted dates resulted in an increased IRS tax burden for the mortgagee because mortgage interest payments to Ocwen f or 11 of 12 m onths in calendar year XX/XX/XXXX could not be included as a tax deduction on the IRS tax form XXXX . 6. ) Ocwen has demonstrated a practice of avoiding fileing a proof of claim as required in bankruptcy procedures, When legal offices representing the mortagee file proofs ' of claims on Ocwen 's behalf Ocwen objects, adds substantial fees to their claim, and tells the Judge that the reason it failed to file a timely proof of claim during the as required by bankruptcy court procedure was a frivilous mistake. 7. I can not verify the chain of custody of my original mortgage/note and the entity that owns it. I believe that I am a victim of XXXX mortgage and Note robo signing. Ocwen stated in a letter dated XX/XX/XXXX that XXXX owns my mortgage/note. I called XXXX on XX/XX/XXXX . XXXX , to date has been unable to verify that they own or an possession of my mortgage/note documents in my name. Ocwen provided me with a copy of a note in my name bundled with notes from at least XXXX other persons that I do not know from different areas of the United States.. These notes from unknown persons ' have their names, adresses shown on the notes. These notes can be view in my on-line account with Ocwen and is objective evidence of poor and unlawful record keeping by Ocwen.
Company Response: Closed with explanation

Timely Response

2017-05-24

Milwaukee, WI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-24

Lubbock, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: We have had trouble with this company charging bogus charges to our account to create a number of late charges, every month its the same charges so now they have run up about XXXX dollars worth of charges for certified email and property inspections, we have live on this property for 25 years and only owe about XXXX dollars on it, this loan company OCWEN no has been calling several times a day all week long and several times a day over the weekend, we have recei ved 5 calls from them in 2 days with some person who can hardly speak English, we have explained our situation to them and we do n't need to try to get a loan modification they harp on it every time they call, then they want us to pay a down payment on a payment program and I explained several times if we are having trouble at XXXX dollars a month why would I want to commit to XXXX dollars a month sounds like a trap to me. and then this afternoon a person came to the front door and knocked my wife ask if she could help her and she said she wanted to provide some information, my wife asked for identification and this female would not identify herself of what her intent was, she asked her to open the door which at this point in time my wife was on the defensive, this person would not identify herself or what her mission was and all she did at this point was poke and envelope in the screen of the front door and ask is this XXXX my wife would not answer, still no identification and she left, when I arrived home I opened the envelope and all that was there was a number to call and still no identification on who we were dealing with, so at this point I called and it was the mortgage company, I ask what the deal was with this person on the line and he informed me that they had sent out a property inspection person, When I asked why got no good answer when I ask who was paying for that I was informed that it would be added to the late charges since they wanted to verify that we were living at this property, and we have had contact with them all month long, We have asked them to stop with the certified letters that it was generating unwanted fees and it would be more beneficial to send them email since we have trouble with the USPS properly delivering the mail to out remote location, tonight I learned from this individual that ( there is something wrong with your email address ) I said no there is not I get email every day from that email address, and why tonight is he bringing it up and no one else we had contact with is talking about it. I am sorry that at 60 years of age I will not lie down and let this ( Global company as they call it ) run over me and my wife, by today 's standards we do n't owe much but I will not be harassed anymore by these people I need to know what my options in the mortgage arena are, there have been a lot of violations here to collecting debts, We ask that they let us continue to make our regular payment and a little extra until we get this paid off and I can not get a straight answer as to what their intentions are at this time. Please respond to my email address as soon as possible as I feel the need to secure counsel to protect my interest and my consumer rights at this point. I have attached a copy of the statement we receive from them every month with all the ongoing mail charges and other things.
Company Response: Closed with explanation

Timely Response

2017-05-24

Hempstead, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am steadfastly disputing Owens response dated XXXX/XXXX/XXXX under Case # XXXX to my compliant. Ocwen 's response is most certainly neither an appropriate and nor complete response to my complaint ; and I have emphatically denied, and continue to deny, Ocwen flagrantly erroneous assertions that my previous concerns were addressed ( those that was raised in my communication with Ocwen on XXXX/XXXX/XXXX and XXXX XXXX, XXXX ). XXXX XXXX XXXX 's response to my request and concerns, which were clearly and specifically delineated in ten points, is curt, short, and unacceptably far from comprehensive, as it failed to address those aforementioned issues, especially those concerning her department ( Ombudsman Office ). There are too many problems and questions that are unresolved, which makes me view Ocwens integrity as dubious at best, and too much of variable ; and, therefore, it would be unwise of me to be satisfied with the uncertain state in which Ocwen has left me, which is characterized by their statement, " still under review and will be addressed under separate cover ''. NO consumer would be satisfied with, agree to a endless deployment resolution, or willingly endure this kind of horrible behavior that Ocwen has displayed! A review of Ocwen 's response indicates a major short to my required compliant, the Tax history request as consistently been for XXXX to XXXX from XXXX XXXX verbally and written, even in the dispute CFPB compliant please review the paragraph. Ocwen has essentially, by their systematic practices of giving customers the runaround, ignored my repeated complaints and their own mistakes from XXXX XXXX, which was when I requested my Tax history information for the period XXXX. This information was supposed by be drawn from Ocwen 's Tax history ( its own proprietary management systems ). However, to date Ocwen has given me only an incomplete response to complaint by providing a half spreadsheet and voluminous, incomprehensible statements that I am expected to decipher. Ocwen 's has abjectly failed on this point, and it has orally and in writing given false information to me by stating that it only possesses tax history from XXXX XXXX, XXXX a foolish act on my part gave this information out, I do regret to have taken this action. what happen to the completeness XXXX to XXXX/XXXX/XXXX ( not to XXXX ) on the spreadsheet in simplicity. Since filing with the CFPB, Ocwen has been intentionally and inexcusably, sluggish and parsimonious with their responses and information ( almost seemingly as a matter of policy and doctrine ), as they have dealt with me without any semblance of transparency or completeness. There was absolutely no legitimate reason for Ocwen to reply in this manner when it was not what I EVER requested. Below is my oft-repeated, simple and specific request. It is the same information specifically included in the XXXX and breakdown in the following order ONLY for each from XXXX - XXXX : 1 ) Disbursement of XXXX XXXX XXXX, 2 ) Disbursement of XXXX XXXX XXXX, and 3 ) Disbursement of Village Tax, Any other information besides the above is at best superfluous and unnecessary. At worst, and most likely, it is red herring - an deliberately underhanded attempt by Ocwen to mislead and confuse me, and a ploy to confound the consumer with voluminous and immaterial data and intricacies, all while engaging in a ceaseless and needless back-and-forth with Ocwen. It is unreasonable and devious to expect me to interpret Ocwen 's system file statements ( XXXX XXXX ). There is no need whatsoever to complicate anything with gratuitous details and figures. All that 's required is the simple provision of a ) XXXX XXXX XXXX, b ) School Tax, and c ) Village Tax. Furthermore, there was absolutely no reason for the information to stop at XXXX, rather than XXXX. I need the remainder populated as per my continual and consistent request. Ocwen should recheck their nvestigation on XXXX for an example that you statement has a major flaw, and set the platform for errors on your model research in moving forward. Please address the following this specifics in your response : 1. Was there a XXXX XXXX distribution? Also, please make reference to the total tax paid out. ( It appears that Ocwen 's data is compromised, or that the resources used were not thorough with the investigation for XXXX. ) 2. I need the XXXX especially for XXXX launch state to verify Ocwen 's information. ( If Ocwen can make bold and absolute statements ( as it has often done in my case ), then there should not be an is ever-changing statuses and contradictions ; nor should there be any failures to take accountability for its mistakes. ) It is utterly impossible to trust Ocwen 's integrity when they have so continuously and unapologetically behaved in such a capricious, deceitful and manipulative manner. And if I can not trust the information that I have been provided, then it is foolish to pass it forward to the next step. I have been injured three times before by Ocwen by my reliance on their information. My request as well as the format thereof has always remained simple. And yet I have made over eleven ( 11 ) communications ( and counting ) since XXXX XXXX with XXXX, all of which have ultimately proven unproductive and unhelpful. The matter concerning your breakdown of the current outstanding amount monthly installment. My Tax Property Grievance Reduction has been reducing since XXXX. I do not understand XXXX, XXXX and XXXX XXXX XXXX installment payment was {$2000.00} then skyrocketed to {$2300.00} installment XXXX huge discrepancy of {$300.00} ) from XXXX XXXX, XXXX to present, explain? Now, regarding the matter of Notice Of Collection, which is required by the Fair Debt Collection Practices Act ( FDCPA ) prior to foreclose referral, I must state that I NEVER AT ANY POINT RECEIVED THIS NOTICE AND NOTHING WAS EVER SIGNED FOR THE SUMMONS AND COMPLAINT ( index # XXXX ). Service, therefore, has been incomplete and improper. I only found out about the matter because of the abundance of calls correspondence I was receiving from attorney 's that practice in the area of foreclosures. XXXX, if Ocwen contends that service was proper in this case, then I demand that Ocwen provide proof of the signing, the signature, and the date of place the service was completed. Given Ocwen 's history of shady and deceptive practices, I can not take anything for granted on Ocwen 's word, especially when this is essentially that same preemptive tactic Ocwned used in my second CFPB complaint ( Case # XXXX ) ; " A rush to judgment '' relevant points about the same are provided below : 1. Ocwen Notice was disputed ( XXXX ) ( DEBT IS NOT VALID WITHOUT VERIFICATION ). Ocwen never answered my communication ( whether in writing or verbally ) but went ahead filed a foreclosure action under false pretenses, with preemptive and premature intent, and against The Fair Debt Collection Practiced Act, which is exactly what is happening now. 2. I as " pro se '' attempted several times to contacted Ocwen and their attorney regarding the above, but my calls, voicemails, emails and faxes were never returned, as Ocwen was obviously engaging in their evasive and deceptive behavior, which seems to be occurring yet again. 3. Ocwen was found to have lied on several counts ( between XXXX and XXXX ) - e.g., 1 ) falsely stating that they forwarded solutions to my request and 2 ) falsely stating that they responded to my communications by calling me on my cell phone, when they, in fact, never did ( *when a call to a cell phone is made in 21st century, there are only a handful of possibilities : ( 1 ) the call is missed, ( 2 ) a voicemail is left for by the caller, or ( 3 ) the network is busy and there is the option to call again later ; but according to my service provider, there is no record of any of these taking place ; and nevertheless, XXXX XXXX ( supervisor ) should have attempted to call me back if there was problem with the network ), ( Ocwen apparently has a science and a culture to misdirect and frustrate to homeowners through certain departments - i.e., Research Department , Consumers Advocate Department , HRD Mediation Team , Consumer 's Ombudsman Office ). 4. I asked XXXX XXXX ( Consumer Account Analyst ) about the reason for the above and he said he knew nothing about it ( Notice Of Collection or to Wait on Ocwens ). It is clearly abnormal for the person who is the point of contact to know nothing about the main issue? Perhaps if he took time to listen more, the outcome would be different. 5. And yet, what is happening now seems to be a verbatim repeat of what has happened before, as another Consumer Account Analyst ( XXXX XXXX ) in the same Consumer Ombudsman office has unnecessarily complicated my compliant ( with reminiscent actions and tactics ), with even greater harm than before now being inflicted. It is evident that whatever is communicated by Ocwen has to be vetted. Ocwen has fail to take any responsibility adding more complications to what was already a disaster. <P/>These systemic regulatory violations are still apparent in XXXX as it was in XXXX, XXXX and XXXX. With Ocwen, there is a root to this behavior that comes from a common source, even after Ocwen changed attorneys. Ocwen is still delegating out these violations. There must be a policing enforcement by CFPB and FTC to protect the consumers.
Company Response: Closed with explanation

Timely Response

2017-05-24

Turlock, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-24

Mannsville, NY

Credit monitoring or identity theft protection services

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

Problem with product or service terms changing
Company Response: Closed with explanation

Timely Response

2017-05-24

Fresno, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX , XXXX I was sent an affidavit by Ocwen stating that it needed to be sign in order to complete its evaluation of my short sale request and it was needed back by XXXX XXXX , XXXX . My real estate agent XXXX XXXX with XXXX XXXX and I have been told as of last year that Ocwen has had all documents provided to complete the short sale and nothing else was required. Now we are being told that they need this document again. This is NOT professional on there part. As you can see I have attached the affidavit that was signed XXXX XXXX , XXXX . This is my XXXX complaint with the Consumer Financial Protection Bureau regarding Ocwen and was informed in my first letter to the cfpb on XXXX XXXX , XXXX I shall hear something back with in 60 days. Am so fed up with Ocwen they have told my Agent and I that all the paper work has been received and that they been waiting on the Lender. This is a bunch of XXXX if this was true they would have not asked for me to sign an affidavit that was sign by all parties and summited XXXX XXXX , XXXX . Not only that but Ocwen has admitted to my agent XXXX XXXX as of this year the paper work was never summited to the Lender instead it was with there underwriters still. I am tired and can not move on with my life with this home being vandalized on a daily basis and being reported to the police. All this Ocwen knows but they keep saying its the Lender in which they are full of XXXX . What makes things worse my agent and I can not talk to someone that speaks English instead we get these workers from XXXX which is hard to understand what they are saying at times. Please help am stressed out over this matter and all this mess is really uncalled for i f Ocwen did its work ri ght.
Company Response: Closed with explanation

Timely Response

2017-05-24

Murrieta, CA

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

2017-05-23

Cape Girardeau, MO

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-23

Discovery Bay, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets. My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan. My phone number is XXXX thank you for any assistance good luck trying to get legitimate answers.
Company Response: Closed with explanation

Timely Response

2017-05-23

Wesley Chapel, FL

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: XXXX XXXX XXXX has been informed that property at XXXX XXXX XXXX in XXXX XXXX Texas XXXX is owned by XXXX XXXX XXXX XXXX XXXX yet it has ignored repeated request to cease aggressive collection practices. XXXX XXXX XXXX on or about XXXX XXXX XXXX caused a collection letter to be sent by XXXX XXXX XXXX XXXX XXXX XXXX , XXXX again threatening foreclosure on a property owned by XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX was notified of this action on XXXX XXXX , XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , the XXXX credit reporting agencies XXXX , XXXX and XXXX . Their collective action has caused undue stress and duress on us plus negatively impacted our credit files since XXXX . They have repeated violated the Fair Credit Reporting Act ( FCRA ) along with the Federal Fair Debt Collection Practices Act. We have asked XXXX , XXXX and XXXX to update our credit files since XXXX when XXXX XXXX XXXX XXXX XXXX acquired said property but those credit reporting agencies have turned a blind eye to our requests. We hereby seek damages and action to stop this undue harassment and duress caused by parties who have colluded to circumvent our legal and financial rights. Thank you for your consideration and speedy resolution to this matter.
Company Response: Closed with explanation

Timely Response

2017-05-23

Chino Hills, CA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

Waldorf, MD

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2017-05-23

IL

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Complaint: I filed bankruptcy years ago, case number XXXX and XXXX XXXX XXXX XXXX COMPANY AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDERS OF XXXX XXXX XXXX MORTGAGE PASS THROUGH CERTIFICATES SERIES XXXX , intervened in the bankruptcy. I was informed that my mortgage and note was transferred into that trust, some years ago, if this is true I would like to know when it was transferred. XXXX XXXX informed me that they have no interest in the property located at XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX and I am trying to determine if the Mortgage is in that trust or not because I keep getting contradicting info. I have sent sever al Debt Validation Letters and Qualified Written Requests, which have gone unanswered. I would like the contact information for the Trustee. I am trying to get clear title
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response