OCWEN FINANCIAL CORPORATION
Consumer Complaints
There are over 28887 complaints on file for OCWEN FINANCIAL CORPORATION. Dated between 2019-12-16 and 2011-12-07.
Complaints Page 190
2017-04-27
GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: From XXXX XXXX XXXX - HUD approve d Housing Counseling Agency ... this is our client 's summary : since XXXX XXXX . I have had problems communicating or voicing my concerns on multiple discrepancies with a wide range multitude of problems. ( 1 ) did not apply payments properly on my account. They falsely or by error split up monthly payments into different escrow accounts and 8 months later claimed I had not made a complete monthly payment, while I paid what was on my statement . ( 2 ) A ju dge while I was in bankruptcy which I used to save my house, ordered the original amount they claimed I was in the rears reduced by XXXX k, if it were n't for that, I would have never been in bankruptcy. ( 3 ) the XXXX was never credited ( 4 ) t he original XXXX corrected amount was never corrected in the account all the late fees, penalties, extra charges they added on based on their error was never corrected and they kept compounding. ( XXXX ) I was never afforded the ability to speak to anyone about these corrections, Operators would never know from day to day calls from me on the above issues after they all said the were documenting my account and anyone logging into my account would see the memos . ( 6 ) Operators f rom XXXX would never know who to contact within their own Co. To answer or hear my concerns, everything was always above their pay grade, and somebody would call me back, never did. ( 7 ) I was never shown where payments made were being applied even though I asked for one, ( 8 ) never given a statement ( 9 ) statements mailed to incorrect address, did not receive till 3 months later from another local business in the community, after it had been opene d. ( 10 ) went over 1 yr w out a statement after XXXX XXXX ( 11 ) r equested via XXXX to payoff my loan at XXXX , never received a response. I through XXXX at the time had authorized the agency to receive copies or correspondence, phone calls from Ocwen on my behalf as we worked on this matter through Ocwen representative that Sue was finally able to reach. ( 12 ) I have had an Ocwen operator tell me that she believed Ocwen purposely split regularly made monthly payments, split the payments up into escrow accounts they claimed were short, not telling the client for months that this was occurring w their accounts, the several months later, claiming non payment. putting the client in a bad position. This is just one thing that has happened to me. ( 13 ) I also multiple times requested a mortgage rate modification early on in the struggles w Ocwen never responded to my application or paperwork submitted on my behalf. ( 14 ) It was n't till Sue reached someone to talk to about my concerns. The first time I was given a chance to speak to someone on speaker phone at XXXX office in 4 yrs, that just was n't going to ask me for a financial update like a robo response on the multiple phone calls sometimes everyday for weeks trying to speak to anybody else other than a paid answering machine operator who could only ask for account number or social then ask for a financial update and not be able to answer any questions, they were not keeping up w my account properly it was totally in disree, nobody was managing it.
Company Response: Closed with explanation
2017-04-27
Houston, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-04-27
Philadelphia, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: THERE HAS BEEN A LAWSUIT FILED AGAINST OCWEN XXXX XXXX XXXX _____________________________________________________________________ My name is XXXX XXXX XXXX XXXX , PA. My mortgage is wit h Ocwen Loan Servicing and they are threatening to foreclose on my home and stating that I am missing payments. Which I am not and have bank statement to prove this. I filed a complaint with the Better Business Bureau and CFPB in regards to this matter. In doing my research, I found that Ocwen is notorious for misapplying payments and foreclosing on homeowners even though they were wrong with paperwork etc. Please see my complaint below along with my attachments regarding my complaint/dispute with Ocwen. I 'm hoping you will help me with this matter. I filed chapter XXXX bankruptcy in XXXX and my mortgage was included in my bankruptcy. My bankruptcy was discharged in XXXX , XXXX . Ocwen Loan Servicing was paid by the trustee each month. I paid my mortgage in full each month on time!!!!! I received paperwork from Ocwen Loan Servicing on XXXX / XXXX / XXXX that my mortgage was delinquent in the amount of {$8900.00} for XXXX - XXXX . They are now threatening to foreclose on my home if I do not pay the {$8900.00} by XXXX . I have attached my paperwork that I received from Ocwen, from my bankruptcy, my bank account showing my payments and the paperwork that I printed from the Ocwen website. Also, if they had not received payment from XXXX - XXXX , they would have informed the bankruptcy trustee and my house would have been foreclosed on then!!!!!!!!!!!!!!!!!! ON ONE HA ND THEY SAY I 'M CURRENT AND ON THE OTHER HAND THEY SAY I 'M DELINQUENT. In regards to the information received back to the Better Business Bureau regarding my account, the information that they are stating complete lies made by Ocwen Loan Servicing. They say in their response that it is not their responsibility to let the trustee know that payments are missing from the home owner. LIES!!!!! If I had missed these many payments, which I did n't, then why did n't Ocwen Loan Servicing begin a Motion of Intent to Foreclose back when I " missed '' the first payment? Why did n't they file a Motion ba ck in XXXX ? How is it that I missed month in between the year, but not a full year. Seems like bad bookkeeping to me. On the website it states for XXXX I do not have any payments missing then all of a sudden for XXXX I 'm 180 days late?????? It does not add up. I have mad every last payment to XXXX ( XXXX XXXX before them ) while in my chapter XXXX bankruptcy. Again, if these payments were " missing '' then why was n't the trustee made aware of these " missing '' payments when they were contacted in reference to my discharge. I would not have been discharged if my payments to my creditors and/or the trustee were not made monthly. Oh just somehow I " missed '' XXXX XXXX , XXXX payment but now XXXX - XXXX payments? I missed XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX , XXXX and XXXX XXXX , XXXX but not XXXX - XXXX , XXXX , XXXX or XXXX XXXX ? I missed XXXX XXXX , XXXX and XXXX XXXX , XXXX but not XXXX and XXXX or XXXX - XXXX or XXXX ? Oh and just one month of XXXX XXXX , XXXX ? Where are the rest of the months payments for the entire year of XXXX . And no missing payments for XXXX ? THIS IS ABSURB AND ALL LIES. Oh I 'm just missing SOME months out an entire year to not pay for my mortgage knowing full well that I could got into foreclosure if I missed a payment????? THEY NEED TO GO OVER MY PAYMENTS AGAIN AND UPDATE MY RECORDS AS I STATED IN MY COMPLAINT. I DO NOT ACCEPT THIS RESPONSE!!!!! A XXXX XXXX responded back again to the BBB and all he did was submit the same paperwork that he submitted before. LIES YET ONCE AGAIN AND I 'M TIRED OF GOING BACK AND FORTH WITH THIS WHEN CLEARLY OCWEN IS DECEI VING AND LYING. ALL OF MY PAYMENTS FOR XXXX WERE PAID. MY BANK STATEMENTS FOR EVERY PAYMENT IN XXXX WERE PAID. OCWEN HAS SENT OU T 5 DIFF ERENT NOTICIES WITH DIRRENT DATES OF OWED PAYMENTS WITH DIFFERENT AMOUNTS. ALSO, THEY HAVE LIED AND SAID THAT FORECLOSURE PROCEEDINGS HAVE NOT STARTED WHEN INDEED THEY HAVE. SEE THAT PRE-FORECLOSURE NOTIFICATION THAT I RECEIVED FROM OCWEN. My attorney, XXXX XXXX , XXXX has been trying to contact someone at Ocwen in regards to this matter, yet NO ONE at Ocwen will return his call, respond to his faxes or reach out to him.
Company Response: Closed with explanation
2017-04-27
San Jacinto, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: To Whom It May Concern, for years we have been trying to modify our loan. After years of being frustrated, we consulted with an attorney to find out if Ocwen Loan Ser vicing, LLC, herein after referred to as Ocwen, is ev en the entity we are suppose to be dealing with and/or if XXXX XXXX XXXX XXXX XXXX XXXX , hereinafter referred to as XXXX , and/or Ocwen is the act ual entity or entities that have the authority to negotiate our loan. Our main problem is that we have not been table to obtain information that we can trust as to who actually has the rights on our loan. The information provided to us by Ocwen does not demonst rate or evidence a clear chain of title to XXXX nor does it match up to the recorded chain of title in the XXXX XXXX XXXX 's XXXX . The servicing of our loan has not always been with Ocwen. Ocwen received the servicing of our loan after our loan was in default. We believe Ocwen is attempting to collect on a debt that they do not have the authority to collect on and they have falsely represented the character, amount, and legal status of the debt. We also believe that since XXXX recorded their alleged interest in our alleged debt obligation after the alleged debt obligation was already in default, they, too, are nothing more than a debt collector themselves. Based on information and belief, XXXX is not our creditor but a debt collector based on the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA. We are filing this complaint agains t Ocwen becau se we believe their continuous efforts to collect a debt and attempts to foreclosure on our property is in violation of the FDCP A, specifically 15 U.S.C. section 1692f ( 6 ) A which states that a debt collector may not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possessio n of the property claimed as collateral through an enforceable security interest. They are presently trying to take a nonjudicial action on XXXX XXXX , XXXX . Under the FDCPA a debt collec t may not use unfair or unconscionable means to collect or attempt to collect a debt. Although we presently have a federal lawsuit against Ocwen and have alleged FDCPA violations, Ocwen is still attempting to proceed with a nonjudicial foreclosure. As defined by the FDCPA, Ocwen is a debt collector. As defined by t he FDCPA, XXXX is a debt collector and not a creditor. XXXX can not be a debt collector and a creditor. Only a creditor has the right to enforce a debt. XXXX is not the beneficiary of the debt obligation as claimed. The real creditor is actually unknown to us at this time. We have been informed that a debt collector must prove that we owe the debt and Ocwen a nd XXXX have failed to do that. They can not supply us with copies of documents that are not admissible evidence and believe we are to take the information they give us without adequate suppo rt. Ocwen an d XXXX have failed to demonstrate the money trail to this alleged beneficiary. Furthermore, as a debt collector, Ocwen and XXXX have failed to prove their relationship to the lender. My Deed of Trust says that it is the lender who has the power to do whatever it is he has the power to do within t he four corners of the contract. There is no documentation that evidences that Ocwen is now acting on behalf of the lender. We are filing this complaint with the CFPB because Ocwen and XXXX are blatantly disregarding the law. If we do nothing they will wrongfully and fraudulently take our property and continue to disregard the law. Thank you, XXXX and XXXX XXXX
Company Response: Closed with explanation
2017-04-27
East Rockaway, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Ocwen essentially, by their systematic practices of giving customers the runaround, ignored my complaint and their own mistakes from the start of my journey back in XXXX XXXX , which started with my request for my Tax history information for the period XXXX - XXXX . This information was supposed by be drawn from Ocwen 's Tax history ( its own proprietary management systems ), and not " third party 's '' source or an amalgam of sources for the period in quest ion. Ocwen 's has ab jectly failed on this point, and it has orally and in writing given false information to me by stating that it only possessed tax history from XXXX XXXX , XXXX ; however, have I received tax information from XXXX XXXX , XXXX to XXXX ( un verified ). Significant harm has been done here, as I have made multiple complain ts Ocwen 's deficiencies. Ocwen 's policy handbook seems devoid of the definition of " escalation ''., " Escalation Rel ationship Manager '' are policy only , not proactive procedures to adequately resolve the complaint or escalate the call for investigation. I have no way to duel check, balance or assess the vetting processing with a third party 's details, because I did not received any XXXX or statements of my Property Tax Disbursement ( when due and paid ). There is a total lack of transparency here, which is compounded by Ocwen 's continual attempts to confuse and convince me that it is not responsible for the apparently lost details and history it has failed to provided . Ocwen has als o failed to send us any accurate periodic statements detailing how Tax charges were applied, leaving me in the proverbial dark. This kind of treatment is belligerent. This i s the 21st century and regulatory practices demand that the money trail b e followed. Besides all the abo ve, Ocwens an d its attorney, XXXX , XXXX XXXX XXXX , XXXX , have taken shortcuts and preemptively initiated a foreclosure proceeding without first forwarding the Notice Of Collection subject to the Fair Debt Collection Practices Act ( FDCPA ). There is also a bright line prohibition against servicers engaging in unfair, deceptive, and abusive acts and practices related to mortgage debt collection activities. Furthermore, it warrants mentioning that, in my case, Ocwen engaging in the same behavior for which it was fined hundreds of millions of dollars in XXXX of XXXX , along with other institutions such XXXX , XXXX XXXX XXXX , XXXX and other governing entities by the Independent Foreclos ure Review ( IFR ) i.e ., Ocwen is preemptively, under false pretenses, and without regards to the regulatory and compliance procedures initiating and pursuing a foreclosure action. I also received a settlement from a class action suit in XXXX for this same extremely deceptive conduct, which is a flagrant violation of proper practices, procedures and regulations. The same gave us ( the consum ers ) thirty ( 30 ) days t o answer with a dispute to the Notice. XXXX ( Ocwen ) ignored this step and filed before that deadline a Summon in New York State XXXX Supreme Court before that deadline. Ocwen has been a repeat offender with this illegal practice and violation of regulatory standards. This ultimately is costly and also violates mortgage servicing processes. ***I am requesting a copy of the Notice Of Collection, whi ch was never received. **** I have attached proof and corroborative details that Ocwen has engaged in significant, culturally pervasive, and systemic misconduct as I engaged with four of their departments on my mortgage servicing process. I believe the evidence will show that Ocwen 's behavior toward me is nothing less than unfair, deceptive, and abusive. Ocwens deficient foreclosure policies and procedures violate basic protocol.
Company Response: Closed with explanation
2017-04-27
Baltimore, MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-04-27
Golden Isles, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ocwen ServicING are charging a lot of miscellaneous fees, high forced placed homeowner, flood, mortgage guaranty insurance.. Which causes escalate mortgage escrow payments .Therefore, we find it impossible to maintain payment. Also, Ocwen closed our mortgage in 2012 according to our credit report but kept mortgage in our name continued to bill us for the mortgage ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-27
Tyngsboro, MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have been fighting an illegal foreclosure for over 10 years against Ocwen and XXXX XXXX . We are going through an endless nightmare. These companies are the most corrupt criminal enterprises. The physical and emotional abuse they cause is beyond what any human being should ever endure. They are the definition of a true terrorist. Anyone who has dealt with or is dealing with these criminals should be given relief immediately. The lawsuit that the CFPB, state Regulators and Attorney Generals ' have brought against Ocwen will hopefully put the last nail in their coffins. Ocwen and XXXX XXXX , both need to be put out of business for good! These illegal foreclosures have destroyed our way of life in this country. Something needs to be done to make all affected whole again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-27
Trenton, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I am a victim of dual tracking . Ocwen forclo sed on my home while being reviewed for a modification
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-27
Eugene, OR
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-04-27
Jupiter, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: Ongoing issue with Ocwen Loan Servicing.No mentioning now of any loan modifications in incomplete mortgage file or in response to Florida Attorney General 's office.Both loan modifications omitted from file.Latest was approved in XX/XX/XXXX.Revoked by Ocwen without providing adequate legal basis.Trial payments were made.Payment under new agreement was made and applied.Consequent payments returned.Requesting AGAIN to get complete copies including cover letter of both loan modifications.Questionable misconduct by XXXX XXXX assigned Florida attorney representing Ocwen in Court.Failure to disclose Loan Modifications in initial complaint to courts.XX/XX/XXXX GMAC Mortgage had a four per cent fixed rate.XX/XX/XXXX XXXX XXXX Ocwen Loan Servicing Relationship Manager called me and conformed Hamp Modification was approved with payment of XXXX Dollars monthly escrowed.Fixed rate.Questionable dual tracking based on timeline events.Served via Publication when available and charging XXXX XXXX County unnecessary fees for such publication.Questionable vendetta because prior verdict not in favor of plantiff.
Company Response: Closed with explanation
2017-04-26
Cherry Brook, MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: We are in default of our mortgage. OCWEN has mishandled most of the correspondence. I filed a Ch XXXX in XXXX to stop the foreclosure which was scheduled for XXXX XXXX XXXX . OWCEN via XXXX XXXX filed for relief and the judge granted it in XXXX . Since then the information that I receive from OCWEN is conf using & very often conflicts from what they had said in a prior phone call. Also, I received a letter on XXXX XXXX XXXX " IMPORTANT INFORMATION ABOUT YOUR CONDITIONAL DEED IN LIEU OF FORECLOSURE APPROVAL ''. I received a call from OCWEN on XXXX XXXX - they said that there were liens on the property and asked me to get a pen to write them down. I said no - that I needed it in writing and that it seemed to me that this would be the legal protocol. Then they recited my email address - incorrectly - I had updated this 4 times in the past yet they still have the incorrec t one. I now question what email communications that I have missed that may have prevented a foreclosure.
When the judge granted relief to OCWEN they asked t hat my attorney provide authorization & permission to directly speak with me which was faxed to them on the day of their request. Mos t timea that I call they claim that they do not have the authorization document & when I insist that they DO I get put on hold for up to 30 minutes while they check for it - and they always come back and apologize for the inconvenience saying that I do have this authorization.
OCWEN called m e on Monday, XXXX XXXX and left a voice mail. I called them back today, Wednesday, XXXX XXXX and my " relationship manager '', XXXX XXXX XXXX , said that she could not speak to me - did not have this authorization from my attorney - looked for it while I was on hold - and came back to say there is no such authorization & to call my attorney. I am completely frustrated because o f OCWEN inab ility to maintain up to date information and generally manage the D.I.L. application status for this mortgage. OCWEN has h ad me in the dark for months now.
Company Response: Closed with explanation
2017-04-26
Lewisville, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: A few years ago during divor ce, Ocwen o btained our mortgage and immediate took our payments from XXXX to 1300+. Since divorci ng I tried to modify b ut Ocwen declined. I then refinanced and rolled missed payments into loan. Ocwen raised payments again and I missed a couple mortgage payments due to loss of job. I then tried to semd the missed in and Again asked for a modification since they had raised the payment three times. I was again denied. We are s truggling but filed bankruptcy and are making their payments. XXXX 2017 I received a letter from Ocwen stat ing they were raising the escrow to XXXX starting XXXX XXXX 2017 . That will raise my payment XXXX more dollars. Yesterday I received another letter from Ocwen saying that as of XXXX XXXX the escrow would now be going up to {$1000.00} raising the payment {$500.00}. THIS HAS GOT TO STOP. I know what my taxes are they are XXXX year the insurance on my house I have several quotes for none of them exceed {$1200.00}. So Ocwen 's deman for a XXXX + escr ow a month is ridiculous!!! They are Crooks trying to take the property we work hard for. Only gone up XXXX in the past but my house payment has gone that XXXX in the pa st six y ears and now they 're trying to raise it another XXXX by next XXXX 2017 . PLEASE HELP!!! Please make them modify balance on home, repay some funds, go back down on payment . Seven years ago my payment was XXXX by XXXX Ocwen w ant it now to be XXXX . As you will see the principal and interest is XXXX XXXX the escro w ( {$1000.00} ) is exceeding th e monthly payment and interest. Please stop them!
Company Response: Closed with explanation
2017-04-26
San Diego, CA
Struggling to pay mortgage
Mortgage: VA mortgage
Complaint: In XXXX of XXXX I retired from XXXX XXXX military after 20 years of service. Though my income had decreased, I was pursuing other careers, meeting all my appointments with the VA, and was able to keep up with my mortgage payments on the property I currently rent. I began having difficulties throughout the year and decided to apply for a hardship program in XXXX XXXX wi th Ocwen Loan Servicing. After acquiring all the necessary paper work ( proof of retirement income, XXXX awa rd letter, banking statements, renter 's agreement, renter receipts ) I successfully submitted my first hardship request on XXXX XXXX , XXXX and was denied modification in XXXX XXXX for " insufficient income to qualify for a hardship '' by 20 %. Needless to say I thought that was the definition of a hardship. After my XXXX was approved and my award increased I submitted my paperwork again. It was held up and required that I resubmit the paperwork with current signatures. By this point I had all the information readily available and was use to uploading the documents they regularly requested. On XXXX XXXX , XXXX I logged on t o Ocwen 's website to see that my application for a loan modification had been approved and received a phone call from my " Relationship Manager '' on XXXX XXXX , inquiring if I had received the documents to proceed, which he double checked and conformed that they were just mailed off that day. Surely I could n't have received them yet, bu t Ocwen is pr imarily a debt collector as is stated at the beginning of every phone call shortly after their slogan " where helping homeowners is what we do, '' so I was not surprised that he really did n't know much about its progress. When I asked why the interest rate increased he told me that it might change based on the current market. When I asked if he deals directly with the loan modification department he informed me he did not. When I asked to speak with the loan modification department he informed me that they do not discuss changes in the loan modification process over the phone. He also informed me that when I receive the modification documents, that I will have the option to appeal their decision. On XXXX XXXX , I called a Relationsh ip Manager ag ain to see if I could talk to a supervisor. I wanted an explanation to this modification decision and to see if there was anything else I might qualify for, seeing how the mortgage was going to remain higher than I was paying ( though it would be at a fixed rate and not a variable rate any longer ). The Relationsh ip Manager ( the information or rhetoric they give is the same regardless who you speak to ) informed me that the Modification is handled by the Underwriter in a different department, that they do not speak with customers directly, that I was welcomed to speak to his supervisor but there was really nothing else they could do. I am at an impasse, do I accept the new modification which will move my next payment due date b y two months and proceed to paying a higher mortgage rate of 4.2 percent which is n't really bad, or do I stick with my 2.6 variable rate which will increase in XXXX to an unknown rate at this time. What I was seeking throughout this entire process was a lower, fixed mortgage rate that my current income could manage while in between jobs. I am on my way to catching up with my mortgage payments but I am still behind. This modification that they finally approved does not seem to help those undergoing hardships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-26
Port Chester, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-04-26
Bellaire, TX
Trouble during payment process
Mortgage: FHA mortgage
Complaint: On X/XX/2017 I received a call from a representative of OCWEN Loan Servicing i ndicating my loan was in default. I had no idea what he was talking about. He told me that my escrow account was short, I believe XXXX or XXXX XXXX dollars. I had never heard of such with a loan so old ( XXXX years old ). One of the most confusing things about the conversation was he, the representative, could not tell me how he arrived at that figure. Usually the mortgage company will send a copy of the escrow account with how all accounts have been paid, if there are shortages, and when they are due. Finally, after I saw he could not explain himself, I requested a copy of escrow account to be faxed to me. It took a while for him to get the information. I 'm sure they have procedures in place, but it took him a while to get it together. After a while I told him to fax it to me when he got the documents I needed. However, I did receive the fax. After I reviewed the escrow account, I could not understand how they came to their conclusions. So, I called for explanations. There were none, that I could understand. I asked several times ; how did you come up with these projections. I was told RESPA allowed them to use projections but he could not tell me by how much. I kept asking, what 's the criteria for the increases? That question never got answered. I know a {$4000.00} projection or {$400.00} a month is unreal, on this property for sure. Bottom line, my taxes and insurance have been consistent for years. Maybe a little increase here or a little there due to an increase in insurance, but never to the point that payments are increased by {$400.00} a month. That does not make any sense to me. Not only did my payments go up, but my account is now delinquent. That has never happened before. Maybe it 's because I have a low balance and in a good neighborhood, and maybe they are using increased escrow as an excuse to cause problem s. OCWEN Loan Servicing bought thi s loan a few years ago. Until now everything has been pretty good.
Company Response: Closed with explanation
2017-04-26
Burbank, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Ocwen continues to give me a run around. Ocwen continues to refuse to include both non borrower 's income and borrower 's income to evaluate my mortgage for a loan modification. Ocwen has failed to accurately evaluate my request for mortgage assistance based on my household ' source of income that has already been submitted to them. Ocwen 's notic e dated XXXX / XXXX / XXXX , states, " The denial decision was based on the monthly gross income you reported, which was {$430.00} '', see notice attached. Ocwen 's no tice dated XXXX / XXXX / XXXX , states " I ncome calculation : you have two sources of income : Social Security income and contribution from two non-borrowers '', see notice attached. The notice includes both the income amounts and calculations from both non-borrowers and borrowers income.
I have repeatedly told Ocwen that there are both non-borrower 's income and borrower 's income that pays for the mortgage, previously documented and incomes have been submitted.
Ocwen continues to ignore and deliberately refuses to evaluate my request for mortgage assistance for a loan modification based on both my non-borrower and borrower sources of income. Ocwen contines to give me a run around, fails and refuses to correct errors, and sends me inaccurate notices and denial letters. Ocwen 's incompetence and improper practices has cost me money.
I am in imminent default and I request that my submitted mortgage assistance application be evaluated for an affordable loan modification under the Federal HAMP Tier I and Tier II guidelines. I look forward to your prompt response.
Company Response: Closed with explanation
2017-04-26
Fairfax, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-04-26
Lynn, MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I received a auction date for XXXX / XXXX / XXXX . This is my primary residence I tried to do a loan modification but I was told it was incomplete. The mortgage is under my name and the a co-borrower who is also the father of my children and also the abuser. I am a victim of XXXX XXXX and currently have a restraining order active, against the co-borrower The bank is requesting a quick claim deed from the abuser it has been hard for me to locate him. I am asking for a stop or postponed this date so that I cou ld get a 3rd person involved to reach the abuser and have this document signed I also have my children contributing to th e mortgage. I am asking please to give me an opportunity to resolve this matter..I have done a loan modification in XXXX but was denied because I failed to submit a paper from the package which I did faxed to the bank and they claim they never received it. Please help me out I strongly want to keep my residence and I know that I could make mortgage payments if approved a loan modification Thank you.
Company Response: Closed with explanation
2017-04-26
FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: This complaint submission is filed by legal counsel for the homeowner Defendant. Legal Counsel is the Law Offices of XXXX XXXX , PA. The homeowner Defendant is XXXX XXXX . The Plaintiff / Servicer is OCWEN LOAN SERVICING, LLC. The subject foreclosure legal action is in XXXX County, Florida. XXXX # XXXX . Ocwen Loan Servicing, LLC vs. XXXX XXXX XXXX . The subject of the complaint is based upon a good faith belief that OCWEN Loan Servicing failed itself to act in good faith to consider a Deed in Lieu resolution option for XXXX XXXX and that failure of Ocwen to act in good faith has resulted in XXXX XXXX 's home being taken back by Ocwen at the foreclosure auction sale of XXXX / XXXX / XXXX . A timeline of the circumstances and the subject of a recently filed Objection to the Foreclosure Sale is as follows : 1. The subject property was sold at foreclosure auction on XXXX XXXX , XXXX in violation of Consumer Financial Protection Bureau ( CFPB ) l oss mitigation loan servicing requirements in that the Defendant had been in active Deed in Lieu review at the time of auction sale and in accordance with Regulation X of the Real Estate Settlement Procedures / Consumer Financial Protection Bureau Mortgage Servicing Rules ( CFPB ), Plaintiff was not permitted to conduct a foreclosure sale due to that active Deed in lieu of foreclosure review.
2. The undersigned, on behalf of Defendant, HEARTY submitted a complete Deed in Lieu package to Plaintiff / Servicer OCWEN, with all required documents and financials information included therein on XXXX XXXX , XXXX . 3. On XXXX XXXX , XXXX , the office of the undersigned received an email from Plaintiffs attorney stating that the OCWEN rejected our Defendants 3rd party authorization document, alleging an invalid signature. Defendant, XXXX then executed a second 3rd party authorization document and that was delivered to Plaintiffs counsel on XXXX XXXX , XXXX . 4. On XXXX XXXX , XXXX , the office of the undersigned emailed Plaintiffs counsel requesting an update on the Deed in Lieu ( DIL ) file and received a reply that the DIL was under active review.
5. On XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and XXXX / XXXX / XXXX , the office of the undersigned emailed both OCWEN and Plaintiffs counsel office with no response received as to any of those communications. 6. On XXXX / XXXX / XXXX with still no substantive reply as to the status of the DIL process, the office of the undersigned sent another email communication to Plaintiffs counsels office and did receive a reply stating that OCWEN would contact defense counsel directly to coordinate a Brokers Price Opinion ( BPO ) within 7 days. Unfortunately, that contact from OCWEN never took place.
7 . On XXXX / XXXX / XXXX , Defendants counsel received an email from Plaintiffs counsel stating that the DIL had been approved with the condition that client signs a promissory note for {$60000.00}. That offer was presented to the Defendant and rejected the offer due to a lack of affordability.
8 . On XXXX / XXXX / XXXX , Plaintiffs counsel requested a letter from XXXX detailing why the defendant was unable / unwilling to accept the offer which included the {$60000.00} promissory note obligation. Also at that time, Plaintiff requested more recent bank statements and paystubs from XXXX . 9. The requested letter of explanation was provided to Plaintiffs counsel and the updated financial documentation was provided to OCWEN on XXXX / XXXX / XXXX . 10. On XXXX / XXXX / XXXX , the office of the undersigned received a new DIL offer from Plaintiff extending Approval terms to XXXX to either execute a {$48000.00} Promissory Note, payable in 120 installments, OR a one-time cash contribution of {$5000.00} upon the execution of a Deed-in-Lieu. 11. Following a brief period of consideration by XXXX , on XXXX / XXXX / XXXX , the office of the undersigned, in a written communication to Plaintiffs counsel, accepted the offer for HEARTY to pay a {$5000.00} cash contribution to close the DIL. No reply was received.
12. On XXXX / XXXX / XXXX , Defense counsel emailed Plaintiffs counsel following up on the offer acceptance and requesting a status update. Defense counsel was informed that Plaintiffs counsel would need to check with their client and would advise.
13 . On XXXX / XXXX / XXXX , XXXX counsel delivered an email to OCWEN which stated : On the XXXX of XXXX our office sent an email to your attorney letting them know that our client has accepted a {$5000.00} one time cash contribution to the bank and completion of DIL. I have been trying to get an update, but we still have not heard back. Please provide an update.
14. On XXXX / XXXX / XXXX , Plaintiffs counsel called the office of the undersigned to explain that OCWEN had terminated the offer of {$5000.00} cash contribution but counsel also stated that he was trying to get OCWEN to continue to process the open DIL, as opposed to starting the process again from inception.
15. On XXXX / XXXX / XXXX , XXXX escalation department emailed the office of the undersigned requesting updated bank statements and a new RMA Defendant HEARTY supplied those documents that same day and XXXX counsel emailed them to OCWEN that same day. Further communications by Defense counsel continued with no substantive reply.
16 . On XXXX / XXXX / XXXX , the office of the undersigned, received a call from the OCWEN current relationship manager , XXXX XXXX , requesting most recent bank statements and a letter explaining that the property was vacant and therefore there was no lease agreement in the file. Defendant, XXXX provided the requested letter and Defense counsel provided that letter to OCWEN along with the new bank statements and pay stubs. Follow up communications continued approximately every four ( 4 ) days thereafter with no substantive reply from OCWEN.
17. Finally, on XXXX / XXXX / XXXX , XXXX acknowledged that the DIL file was under active review. Follow up communications continued. 18. On XXXX / XXXX / XXXX , during a telephone communication with an OCWEN representative, Defense counsel was notified that OCWEN had assigned a new relationship manage to the file and that additional bank statements and pay stubs would be required in order for the DIL review to move forward.
19. Throughout the month of XXXX , Defense counsel repeatedly inquired with Plaintiffs counsel as to whether they had received instructions from their client to file a Motion to Cancel the upcoming auction sale date of XXXX / XXXX / XXXX , because of the open and active DIL process. However Plaintiff did not file a Motion to Cancel the auction sale of XXXX / XXXX / XXXX . Instead, the undersigned prepared, filed and prevailed on a motion to cancel that sale date based upon the open and active DIL review. The sale rescheduled to XXXX / XXXX / XXXX . 20. On XXXX / XXXX / XXXX , in an abundance of caution, the most current banks statement and paystubs were again, provided to OCWEN.
21. Follow up communications regarding the DIL process continued, directed to both OCWEN and Plaintiffs counsel with no substantive reply.
22. Finally, on XXXX / XXXX / XXXX , defense counsel received a reply from OCWEN stating that the DIL file was under review.
23. On XXXX / XXXX / XXXX , the office of the undersigned received a telephone call from another relationship manager ( the 3rd since XXXX / XXXX / XXXX ). She only provided the name XXXX and ID # XXXX . XXXX stated that OCWEN had requested for their counsel to order a Title Report and that it would take 7-10 days but as long as the title search came back clean, OCWEN would instruct its counsel to draft the DIL documents.
24 . On XXXX / XXXX / XXXX , defense counsel was informed that the title report had not yet been obtained. Further, on XXXX / XXXX / XXXX , still no title report had been obtained. 25. Also, on XXXX / XXXX / XXXX , the undersigned was informed by an OCWEN representative that OCWEN needed physical access to the property as a final step of the DIL process. XXXX , who permanently resides in Pennsylvania, requested a former neighbor in XXXX County to visit the subject home to make certain it was in fair condition for the anticipated inspection by OCWEN. At that time, it was discovered that the locks had been changed by a company called XXXX that had been contracted for that service by OCWEN, preventing access to the property.
26. During communications with OCWEN on XXXX / XXXX / XXXX , a representative only referring to himself as XXXX with ID # XXXX , stated that the DIL file was now with FANNIE MAE and that he was trying to determine if FANNIE MAE had yet contacted Altisource regarding access. 27. Defense counsel continued to follow up, which did result in Plaintiffs Counsel filing a Motion to Cancel the upcoming 4/12/17 auction sale date based upon the active DIL review. Unfortunately, that Motion was denied by the Court on XXXX / XXXX / XXXX and the subject property went to auction sale on XXXX / XXXX / XXXX and was sold back to the Plaintiff. 28. The foreclosure auction sale of XXXX XXXX , XXXX took place under highly irregular circumstances in that Defendant, HEARTY had accepted Plaintiffs DIL offer involving a {$5000.00} contribution no later than XXXX XXXX , XXXX and therefore, the DIL should have been finalized within weeks of that offer and acceptance. In the alternative, the auction sale should not have gone forward on XXXX / XXXX / XXXX , because the DIL had been conditionally approved no later than XXXX XXXX , XXXX , and therefore, Plaintiff was obligated to file a motion to dismiss the action and to dissolve the XXXX XXXX prior to the auction sale date of XXXX / XXXX / XXXX . 29. Consequently, the sale that took place on XXXX XXXX , XXXX , was an unlawful taking of property in violation of the Consumer Financial Protection Bureau guidelines established by the United States Federal Government, Department of Justice. XXXX . Defense seeks for Plaintiff to voluntarily vacate the XXXX / XXXX / XXXX auction sale and corresponding Certificate of Sale and thereafter, issue an expeditious approval of the mutually agreed upon offered and accepted DIL terms.
Company Response: Closed with explanation
2017-04-26
Staten Island, NY
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-26
Tahlequah, OK
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
2017-04-26
Marietta, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-04-26
Kansas City, MO
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: To whom it may I XXXX XXXX am a customer with Ocwen Loan Servicing LLC. I was approved for a modification Loan over two years ago. I got approved for a new modification with the same loan in XXXX XXXX . My first payment was due in XXXX XXXX The payment was made in XXXX XXXX .When it came time to make the XXXX payment Ocwen would not expect my payment because they said my dates were wrong on application but the modification had been approved in XXXX XXXX Ocwen and I have been having monthly call trying to get all the information that is necessary but I am getting the run around. Now my home is in danger of being foreclosed on XXXX XXXX ..
Company Response: Closed with explanation
2017-04-26
TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Attached Memo
Company Response: Closed with explanation