OCWEN FINANCIAL CORPORATION

2017-04-13

Scottsdale, AZ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: loan XXXX Ocwen has failed to do a loan modification to h assist the homeowner ; now ID XXXX XXXX XXXX of Ocwen is requesting a " down payment ''. A down payment of {$100000.00} was made when the home was purchased 10 years ago. A repayment plan needs to be structured by Ocwen to assist homeowner.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Morristown, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

IL

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I Called the company listed below and inquired about information placed on my credit report {$31000.00} in 2006 and the representative asked for my personal information. Name, social security #, address, etc ... she stated that she did not have any information on me in their files or system, I then asked her that if i 'm not in your system then how and why is this debt on my credit report she could not give me an explanation, I then asked for the debt to be removed /deleted and she refused stating that i need to send a copy of my credit report, so i told her that i would file a complaint to get this issue resolved. the company is : OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Portland, OR

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: IN XX/XX/XXXX MY EX BOYFRIEND " FORCED '' ( I WILL SUPPLY YOU WITH XXXX REPORTS IF NEEDED ) ME TO ALLOW HIM TO PLACE A MORTGAGE ON MY HOME THAT I ALONE PURCHASED, WITH THE PROMISE OF MAKING THE MORTGAGE PAYMENTS. HE DID NO SUCH A THING. IN XX/XX/XXXX I TOOK HIM TO COURT AND HAD COME TO A BASIC AGREEMENT ( XX/XX/XXXX ), THE LAWYERS MET AND WE WERE TO HAVE A COURT DATE SCHEDULED. XXXX LEAVING ME WITH A MORTGAGE THAT WAS MORE THAN MY MONTHLY SOCIAL SECURITY XXXX INCOME. MY HUSBAND AND I HAVE WORKED WITH MANY ENTITIES INCLUDING TOWN SUPERVISORS, NY SENATE AND CONGRESS TO TRY AND GET POINTED IN THE RIGHT DIRECTION TO RIGHT THIS WRONG. I WILL INCLUDE THE DOCUMENTATION SUPPORTING MY CLAIMS OF THE LOAN BEING FRAUDULENT IN NATURE. I HAVE HAD TO CLAIM BANKRUPTCY WHICH I GAVE THE HOUSE BACK TO THE BANK. I CAN SHOW WHERE THE BANK ALLOWED ME TO RETURN TO MY HOME ( *SEE EX ; XXXX ) KNOWING THAT I FILED BANKRUPTCY. I HAVE HAD MY CREDIT RUINED, THE XXXX HAS LANDED ME IN THE HOSPITAL ON MANY OCCASIONS. WE FEEL WE HAVE MORE THAN ENOUGH PROOF INCLUDING A DECISION FROM OUR COUNTY XXXX COURTS WHO ON XX/XX/XXXX ( ORDERED THAT THE PLAINTIFF 'S ( BANK ) MOTION IS DENIED IN IT 'S ENTIRETY ; AND IT IS FURTHER ORDERED THAT THE COMPLAINT DISMISSED AS ABANDONED ) * SEE EX ; XXXX THAT IS INCLUDED. I JUST FEEL THAT I NO LONGER HAVE A MORTGAGE *SEE EX ; XXXX. AS I FEEL AT WORST THIS SHOULD BE ATTACHED TO MY EX 'S ESTATE. NOW THE BANK HAS DECIDED TO TAKE US BACK TO COURT TO TRY AND REOPEN THE CASE *SEE EX XXXX. WE FEEL THIS COURT DATE SHOULD BE STOPPED WITH OUR UNDERSTANDING THAT WITH NO MORTGAGE THEY JUST WANT THE HOUSE, WHICH WILL LEAVE MYSELF WHO IS XXXX AND MY HUSBAND A XXXX VET HOMELESS POSSIBLY AS SOON AS 90 DAYS AFTER THE COURTS DECISION. WITH THIS WE HOPE YOU CAN SEE OUR INFORMATION IS TRUE AND VALID AND HOPEFULLY WILL SEE THE FRUSTRATION ON OUR PART. WE ALSO FEEL WE HAVE SUPPLIED DOCUMENTATION TO TO HELP IN OUR CAUSE.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ocwen Mortgage sent a check for {$32000.00} to XXXX County Tax Collector and informed us that we would have to pay it back to Ocwen. In fact, the amount due was only {$5900.00}. Clearly Ocwen did not contact our Tax Collector. Ocwen also ingnored our previous correspondence with them 3 years ago when they tried to do the same thing and we sent them a copy of our Installment Payment Plan with our Tax Collector.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Saint George, SC

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ocwen Loan Servicing is charging me an additional {$2000.00} in " fees ''. When I have asked for documentation of these fees, they sent me an email with fees dated from XX/XX/XXXX to XX/XX/XXXX. I was not with Ocwen - I was with Litton Loan Servicing at the time. Ocwen took over all the mortgage in late XX/XX/XXXX/early XX/XX/XXXX. I have NEVER been notified about these fees ever until I had another dispute that has been settled with Ocwen. Many times since I have been with Ocwen, I have had a XXXX balance and no mention of fees from the prior company. It is only NOW, SIX YEARS LATER that they start talking about fees. This is a scam!!!!! Ocwen needs to be shut down!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Matthews, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Scottsdale, AZ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-04-11

Richmond, VA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Bellaire, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I was foreclosed on by XXXX on XXXX 2017 and I did not receive any notice. I only received an eviction notice for XXXX/2017.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Kailua Kona, HI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

FL

Loan servicing, payments, escrow account

Mortgage: Reverse mortgage

Complaint: The loan servicer, OCWEN, put homeowners insurance on my mortgage even though I already had a full and sufficient policy on my property. They also included fees for appraisal, inspection and attorney fees. I filed a complaint, XXXX. OCWEN only removed the cost of insurance. I have called to no avail!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-10

Fontana, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Lone Tree, IL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I have been trying to cancell my PMI insurance With Ocwen and they keep stalling me and making up excuses. Have sent an appraisal, my payment history is excellent, my home is worth more and I have done many improvements. They will not contact me or give me any CLEAR answers.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Bethlehem, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: On Tuesday, XXXX, 2014 XXXX, Complaints Office XXXX & lt ; XXXX XXXX ; wrote : Dear Ms. XXXX : In your correspondence below, you asserted that Indymac and Ocwen failed to grant you an affordable loan modification. You feel the lenders discriminated based on your age and XXXX. The Consumer Financial Protection Bureau ( CFPB ) is the federal agency which accepts complaints about consumer financial products and services. The CFPB accepts complaints regarding problems with the mortgage process : applying for a loan, receiving a credit offer, signing the agreement ( including the settlement process and costs ), making payments, and problems when you are unable to pay for your loan ( loan modification, collection, and foreclosure ). You can reach the CFPB at the following address : Consumer Financial Protection Bureau XXXX, Iowa XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Online complaints : http : //www.consumerfinance.gov/complaint/ http : //www.consumerfinance.gov/ We also recommend that you contact a HUD-approved housing counselor for assistance with your loan modification. This is a free or low-cost service. A recently released U.S. Department of Housing and Urban Development study said that with a counselor 's help, nearly 70 percent of those who sought housing counseling obtained a mortgage remedy to retain their home and 56 percent cured their defaults and became current on their mortgages. You can find a HUD-approved housing counseling agency in your area at the following link : XXXX XXXX We acknowledge your assertion that the lenders discriminated based on age and XXXX. Please be advised that housing decisions based upon age are subject to federal fair housing laws only if the respondent you are complaining about is a recipient of federal funding. The respondents you identified in your correspondence are not federally funded. Although you identified yourself as a person with XXXX, you did not describe any connection between your XXXX status and the lenders ' actions. The sole fact that you have XXXX is not sufficient to bring this matter within the scope of the Fair Housing Act. We do not have jurisdiction over the issues you have described. Please contact the offices listed above for assistance. We can take no further action regarding your correspondence. From : XXXX [ mailto : XXXX ] Sent : Monday, XXXX, 2014 XXXX To : Complaints Office XXXX Subject : HUD Fair Housing Complaint - XXXX Personal Information : First Name : XXXX Last Name : XXXX E-Mail : XXXX Address : XXXX XXXX : XXXX State : GA Zip : XXXX Day Time Phone : XXXX Evening Phone : XXXX Best Time To Call : XXXX Who do you believe discriminated against you? : First Name : XXXX??? Last Name : Ocwen Organization : Indymac/Ocwen Address : florida Where did the alleged act of discrimination occur? : Address : XXXX City : XXXX State : GA Zip : XXXX First Contact Information : 1. First Name : XXXX Last Name : XXXX Organization : Day Time Phone : XXXX Evening Phone : Best Time To Call : XXXX Second Contact Information : 2. First Name : Last Name : Organization : Day Time Phone : Evening Phone : Best Time To Call : Day What happened? : This concerns two mortgage companies the first Indymac, I had advised I had recently been diagnosed with an XXXX and had lost out on work. The mortgage got behind and I had sent in paperwork showing my income had declined and so had the co-borrower XXXX. Indymac stated that even though I had submitted the paperwork that did not mean that our home was safe from foreclosuer. This stressed me out so much but I did n't know what to do. XXXX than went to his emp
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Tarzana, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Jamaica, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

Key Biscayne, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Please be advised that I, XXXX, complainant in CFPB Case number : XXXX, one that your system indicates as not having been disputed by my person, have never received a written and/or verbal response as to the complaint from Ocwen. Further, as has been the case in other circumstances when I have written to them, I am not in receipt of an acknowledgement letter from Ocwen as to receipt the complaint with a timeline for a response submission. This is not surprising, as Ocwen, in unpredictable with respect to continuity and consistency in its operations, especially outsourced global operations. I request that your office request Ocwen send me a complete, unedited, response to my complaint XXXX, to my person at my home address so that I can review the same for validity and content integrity, thus allowing me to accept and/or refute. If necessary, I do not have an issue with filing another formal complaint on the same issue. Thank you in advance for your assistance. XXXX. Ocwen Loan Servicing , LLC said :
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

Seattle, WA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: On XX/XX/2017 I submitted a complaint to your office pertaining to a problem we had with Ocwen our loan servicer. Ocwen responded that they were not at fault. and I could either bring the loan current or apply for a loan modification. I submitted a complaint to the Attorney Generals office on XX/XX/2017 about this same problem. I received the same response. I applied for the loan modification on by XX/XX/2017. I 'm still waiting to here back from Ocwen. While awaiting a response from Ocwen I recently received a notice of default letter from the XXXX company. I 'm confused can two companies on my loan I 'm concerned that Ocwen may have sold our loan to this new loan companywhile we were waiting for a response back from XXXX the complaint process. Is this process legal? Can Ocwen proceed and we are requesting that Ocwen provide the original loan documents to your office under the public disclosure act. I urge your office do review the loan amounts and fees that have increased. I 'm requesting urgent response to this matter as do to the notice of default letter I have a short period of time before a sale of our property may occur. As a Veteran who has served this country I find this type of lending practices to be deplorable!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

South Florida, FL

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: Ocwen canceled my mortgage debt in the amount of {$490000.00} They sent me copy of the XXXX which I placed on my tax return and caused me to owe taxes. I applied for a modification with Ocwen in XX/XX/2016 at the begginning of my foreclosure case. I informed Ocwen since they canceled part of my mortgage for {$490000.00} that the modification should only be on the amount of {$350.00} and not on the original amount of my debt. Ocwen refuses to acknowledge or deny the cancellation of debt. Ocwen obtained the benefit of the tax write off when they send the Internal Revenue Service a XXXX and caused a taxable event to be attributed to my personal taxes. It is unfair that they are able to obtain a tax credit and still try to get me to pay the full amount of the original debt which they partially wrote off.
Company Response: Closed with explanation

Disputed: No Timely Response