OCWEN FINANCIAL CORPORATION

2017-03-29

Phoenixville, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Blackburn, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Cheverly, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-28

Memphis, TN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Nutley, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

New Port Richey, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Metuchen, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Westminster, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Brooklyn, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Brooklyn, NY

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Oxford, GA

Settlement process and costs

Mortgage: Other mortgage

Complaint: Loan # XXXX with XXXX .this was a second mortgage for XXXX.it was paid in full on XX/XX/XXXX.that was acknowledged by ocean on XX/XX/XXXX via email. A satisfaction ( reconveyance, release/discharge ) was filed ) letter was generated by XXXX dated XX/XX/XXXX sent to me by USPS instrument # XXXX onXX/XX/XXXX I called XXXX and spoke with XXXX agent # XXXX inquiring about the satisfaction letter that was sent to the court that I had not received and Georgia status states that it must be mailed within sixty days of full payment or I had the right to demand payment of {$500.00} which I did and was told it was mailed on time and they had no controll over the mail. I again stated that I had not received it, and it was important enough to send registered if it was a eviction letter it would have been registered. I was then transferred to XXXX agent # XXXX.I went over the entire conversion with him and demanded {$500.00} for the delay was told to contact the research dept via fax. On the same XX/XX/XXXX I received a copy of the satisfaction letter via email. They are required to send it within sixty days, they are 7months late I still have n't received a hard copy. I want my {$500.00}.
Company Response: Closed

Disputed: No Timely Response

2017-03-28

LA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We live in a FEMA declared federal disaster area in Louisiana ( Flood ). Was told by Ocwen, the company that holds our mortgage, that we could enter into a loan modification program set up for everyone effected by this disaster to help them get back on their feet. The plan was we did not have to pay our monthly mortgage for 6 months, and that the amount would be added to the end of our loan. We asked if this would affect our credit in anyway, and were told no it would not, so we agreed to the plan. Fast forward ... went to buy a new car and found out Ocwen reported each month as late/not paid! Contacted them via phone and was told they did not report anything negative on our credit, even as we looked at the credit report printed by the car dealership and read it to them to prove otherwise. Furthermore, today we went to our bank XXXX to see if they could help us by taking over this load and we deal with them, they said yes, until they pulled the credit and found out Ocwen 's reporting took our good credit of XXXX and dropped it to XXXX!!!! So, this company that was willing to help their customers in the flood disaster, then turns around and screws us! We have spoken with them several times over the past two weeks, each person has something different to say/lie about, and none of them are on the same page with information. Also, they lied about adding the payments to the end of the loan, and now expect us to pay a double note each month for the next 6 months of {$2000.00}!!!!! AND will continue to report to the credit bureaus each month as delinquent!!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Bayonne, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Mission Hills, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Bellport, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Odell, OR

Improper contact or sharing of info

Debt collection: Mortgage

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-27

Bowie, MD

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Dracut, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Bel Air, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2017-03-27

Patterson, MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I was approved for a loan modification ( HAMP ) by OCwen loan servicing. I paid the 3 month trial payments on time and was told I would get a permanent modification. I signed and returned the paperwork on time. I was told they needed the paperwork again. The first time I questioned this, they said I had not dated the paperwork. I told them my copy was dated, so their copy had to be dated. then they said the dates did n't match the notary date. I sent the paperwork again. They are not making the modification permanent and in the meantime they are still reporting me to my credit report as delinquent. I am still getting collection calls and paperwork in the mail. I was making my mortgage payment through their online payment option. They have now disabled that option for me. The last payment I made over the phone for a fee. I ca n't refinance with another company because I am still delinquent, even though I am not. I do n't know how to get them to make the modification permanent.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Tampa, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage company is Ocwen Loan Servicing LLC . I originally took a mortgage for a 10 year interest only and this loan was to turn into a 30 year fully amortizing loan on XX/XX/2015. Ocwen never adjusted the loan to a fully amortizing and 6 months later sent a mortgage coupon to me with additional fees and penalties after I had already sent my interest only payment. I requested that they research this and they did. They sent a letter apologizing for their error and stated that there would be no late fees or negative credit reporting. One year late after making XXXX consecutive, on time mortgage payment I receive another payment coupon from Ocwen stating that I now owe {$6700.00} as Fees/Other Charges. This is not how consumers should be treated. There is something seriously wrong with Ocwen and I am hoping you can help. Please elp, I am desperate at this point.
Company Response: Closed

Disputed: No Timely Response

2017-03-27

Tarzana, CA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My previous complaint ( # XXXX ) had been closed - without benefit from CFPB 's scrutiny of OCWEN 's response. I have attached OCWEN 's response here which sets a deadline to accept or reject the loan offer within 14 days ( ends in XXXX XXXX, 2017 ). Contrary to CFPB 's concluding statement, the dismissed lawsuit I filed against OCWEN ( with XXXX Bank, XXXX, et al. ) did not include complaints about the systemic misconduct on " robo-signing '', which the CFPB and the Courts of California found OCWEN to have wrongfully engaged in and for which reasons, they have been penalized for. I am writing to inform that OCWEN, continue to defy the law and CFPB compliance requirement - OCWEN had fabricated " robo-signed '' documents and used such forgeries to enforce their illegitimate claim on my property. Here they have tampered /blacked out the loan numbers, added documents purporting to assign valid transfers of the note and mortgage. CFPB should hold lawyers from XXXX liable for aiding and abetting the fraud. They are at the heart of many wrongful foreclosures in California. I can not accept these documents for what they represent. XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-27

Greenwood, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: On XX/XX/XXXX, I contacted Owen Loan Servicing , LLC to ask why they discontinued accepting my mortgage payments through its Automated Clearing House ( ACH ) payment program. The ACH payment program was established in XX/XX/XXXX. Subsequently, Owen successfully received payments on-time without fail. I was advised that the ACH system was discontinued because Owen learned that such a payment process was against bankruptcy rules because the agreement appears as if Owen is requiring payments even though my husband 's debt was discharged as a result of a bankruptcy filed in XXXX. As a result of the bankruptcy court ruling, Owen mortgage payments are perceived to be made voluntarily. The loan related to this property was associated with a bankruptcy filed approximately five years ago. At that time, my husband filed for bankruptcy. All of his debt was discharged by the bankruptcy court, except our home. Despite the bankruptcy, my husband and I voluntarily continued to make our mortgage payments. Initially, we had difficulties making payments on time. Consequently, in XXXX I took over making the payments through the ACH payment system, allowing the payments to be deducted from my checking account on the day I received my monthly payroll check from work. By XXXX, much of my lost salary, ( due to the decline in California 's economy ), was restored. As a long-time XXXX, my salary-cut was restored, and we began to re-bound from the substantial decline in our household income. We were beginning to experience some economic stabilization. As such, I was happy to establish the ACH payment process with Owen. However, I was not notified by Owen that they decided to discontinue this payment process for property until after I was nearly three-months behind in payments. I learned of Owen 's decision to discontinue the ACH payment process on my account after two payments were past due ; XXXX XXXX and XXXX XXXX. To bring the account current, I immediately made needed payments on XX/XX/XXXX ( XXXX payment ) and XXXX XXXX, XXXX ( XXXX and XXXX past due payments ). Additionally, I notified my bank who indicated that based upon the balances in my account they did not see any reason why the payments were not requested from Ocwen. Further, the bank did not receive a request to make the ACH payment from Owen, as consistently received for nearly three years. On XXXX XXXX, XXXX, I received a letter from Ocwen dated XX/XX/XXXX, informing me of the delinquent payments. I agreed for Ocwen to research why the failed ACH payments occurred. Ocwen indicated I would receive the results of such research within tnext 60-days of my request ( XXXX XXXX, XXXX ). On XXXX XXXX, XXXX, I received an email correspondence ( attached ) from Ocwen, indicating that, " on XXXX XXXX, XXXX the Automated Clearing House ( ACH ) payment was cancelled, due to the delinquency status of the loan. '' Owen 's failure to notify me of its change in ACH business practices related to homes affected by a bankruptcy caused two delinquents payments, additional unfair mortgage fees, and, most importantly, potential harm to my credit. To receive a notice 60-days after the first payment was not processed by Owen through its ACH payment system is a set-up for delinquent payments. Owen was aware that the payments were past due beginning XXXX XXXX, XXXX. The explanation provided by Ocwen makes no sense. Owen 's 60-day delay in notifying me of their action to discontinue the ACH payment system appears as fraud and inducement.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Burbank, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-26

Hilldale, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response