OCWEN FINANCIAL CORPORATION

2017-03-25

Fort Myers, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-25

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We have a couple additional questions for Ocwen Loan Servicing to answer truthfully and under penalty of perjury. The questions are pertaining to the Assignment of Deed of Trust dated XX/XX/2004 that Ocwen Loan Servicing created for XXXX. NOTE, multiple federal agencies stated that since this document pertains to our Note/Deed of Trust, we are allowed to request this information and this information is not considered proprietary nor confidential! 1st, Did Ocwen hire XXXX XXXX XXXX to record this Assignment of Deed of Trust? 2nd, What date did Ocwen send this Assignment of Deed of Trust to XXXX 3rd, How did Ocwen send this Assignment of Deed of Trust to XXXX 4th, How did XXXX record this Assignment of Deed of Trust, electronically, mail or in person? 5th, Did XXXX. return the Assignment of Deed of trust back to Ocwen Loan Servicing? 6th, If so, how did XXXX return this Assignment of Deed of Trust to Ocwen, XXXX, XXXX etc.? Please provide documentation on how this Assignment of Deed of Trust was sent to XXXX and returned back to Ocwen Loan Servicing.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-25

Mount Holly, OH

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: XX/XX/XXXX Qualified written request notice of error To : Ocwen Loan servicing From : XXXX, Ohio XXXX Confirm : Last S.S. XXXX Loan : XXXX Subject Property : XXXX, Ohio XXXX In XX/XX/XXXX into XX/XX/XXXX I ran into a financial burden as did the rest of the country. I filed for bankruptcy protection in the United States Bankruptcy Court XXXX Ohio XXXX see exhibit A. 1. On XX/XX/XXXX I entered into a reaffirmation agreement on the property located at XXXX, OH XXXX the current rate of 7.375 % was reduced to 5.25 % fixed rate with new payment of {$290.00} per month for 302 months see exhibit A. 2. Receiving bills from the original loan amount at the original interest rate original monthly payment from XXXX starting in XX/XX/XXXX through XX/XX/XXXX these monthly periodic bill statement were accurate to the original note not the reaffirmation agreement see exhibit XXXX to XXXX. This was a violation by XXXX according to 12 CFR 1026.41 12 CFR 1026.70 12 CFR 1024.35 also violation of the high-stakes bankruptcy code section 524 section 944 XXXX having not executed the reaffirmation agreement correctly and applying the lower interest rate XXXX prayed to collect discharged debt that XXXX was not entitled to see exhibits B see-through CXXXX. 3. On XX/XX/XXXX XXXX issued a transfer notice for my loan to be transferred to Ocwen loan servicing LLC see exhibit E. 4. On XX/XX/XXXX I received a transfer letter from a new loan servicer showing a principal balance of {$49000.00} with an interest rate of 7.375 % again this was the original note rate but now the statement also included an escrow balance for what was to be discovered force placed insurance by XXXX see exhibit E XXXX. I received a another statement on XX/XX/XXXX the statement again listed in correct interest rate of 7.375 % showing an escrow balance of {$1100.00} and now showing a post-petition past due amount of {$18000.00} see exhibit G. This is a violation of US bankruptcy code under section XXXX and XXXX the collection of any post-post-petition debt should be applied for confirmation of my plan with the execution of my degree rule XXXX. This closed my bankruptcy case XX/XX/XXXX at which any creditor that at the time questioned if owed any money had at a statute of 30 days to file a claim with the bankruptcy court for the amount the creditor thought was owed. Fact no creditor came forth the plan was confirmed and the decree and discharge was issued in XX/XX/XXXX. 6. On XX/XX/XXXX proximally a year and a half after the transfer letter I received a mortgage assistance letter referencing a relationship manager that had been assigned to my account contacted the relationship manager but never received a response and was ignored see exhibit H. By my point of contact not engaging in communications with me leaving me out in limbo on the status of my loan this was a violation of 12 CFR 1026.41, 1026.70, 1024.35, especially the rule 12 CFR 1024.40 which stipulates that a loan servicing company must they contact with the debtor and resolve any complaints. 7. On XX/XX/XXXX I received a letter from the loan servicing company informing me the placement of a forced place insurance policy on my property again this letter was dated XX/XX/XXXX see exhibit I. This letter was in violation of 12 CFR 10 2437 on the grounds that this was the only those that I received about the force placed insurance being placed on my property. 8. Shortly after I received a copy of the policy with an effective date XX/XX/XXXX through XX/XX/XXXX this policy was placed on my property approximately five months prior to the notification letter I received on XX/XX/XXXX see exhibit J. This is plainly a
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-25

Charlotte, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-25

San Gabriel, CA

Settlement process and costs

Mortgage: Other mortgage

Complaint: I spoke w/ the XXXX. I am working on traveling out to Washington to tell my story about all the years of pretender beneficiary " XXXX Bank '' and pretender lender loan servicer " Ocwen Loan Servicing '' fraud servicing abuse which has caused me serious health troubles which landed me hospitalized for months. I will hold Ocwen Loan Servicing and XXXX Bank fully responsible for all damages. Ocwen Loan Servicing and its robo-litigation puppet refuse to be honest and stop committing fraud against me, they all continue to harass me sending many fraudulent invoices using fraudulent trustee sales. Ocwen Loan Servicing litigation robo-start has been spinning and cherry picking responses to my many consumer complaints. Ocwen Loan Servicing employees can not stop themselves from committing fraud against Innocent victims, they have no control over mind control. CFPB seeking fines from Ocwen constentaly will continue until the end comes and Ocwen is permanently shut down and all its minions are brought to justice just like XXXX XXXX XXXX. Ocwen Loan Servicing and its litigation lawyers love crooked XXXX and all are scum of the earth.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-24

Chino Hills, CA

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-24

Key Biscayne, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We were approved for a HAMP permanent modification and then my father ( the only borrower ) passed away. Ocwen informed me that they would have to revoke the HAMP while they process the Loan Assumption to me. After Ocwen approved the assumption, they now are informing me that I will have to reapply even though HAMP has expired.
Company Response: Closed

Disputed: No Timely Response

2017-03-24

South Chatham, MA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-24

Titusville, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Matthews, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Nutley, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

San Gabriel, CA

Settlement process and costs

Mortgage: Other mortgage

Complaint: XX/XX/XXXX at XXXX I spoke w/ pretender lender loan servicer Ocwen Loan Servicing 's representative manager, ID number XXXX. I told the representative manager that pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX all have committed years of fraud against me, and that recently Ocwen Loan Servicing employees and litigation lawyers all used fraudulent XXXX trustee sale as a weapon to coerce me into signing pretender lender loan servicers increased none negotiable loan modification settlement to avoid fraudulent trustee sale taking place in just days. I told the representative that Ocwen Loan Servicing made offer in late XX/XX/XXXX, a {$660000.00} loan modification w/ 2 % w/ {$2600.00} monthly mortgage payment if I agree to hush hush. I declined the {$660000.00} offer because I own my home free and clear. I told the Ocwen representative manager that in XX/XX/XXXX Ocwen Loan Servicing increased the offer to a none negotiable {$750000.00} w/ 3.43 % with {$370000.00} monthly mortgage payment, and that if I did n't agree to sign pretender lender loan server 's increased loan modification Ocwen employees and in-house litigation lawyers would instruct its cozy buddy XXXX to proceed w/ fraudulent trustee sale and I would of lost me home I own free and clear. I told the representative I plan on retaining new counsel " XXXX XXXX ' in the next few days, that it is costly, and that I am tired of spending thousands of dollars on lawyers to fight corrupt shady scam front pretender lender loan servicer, and that before I retain new counsel is Ocwen and its crooked in-house litigation money hungry XXXX willing to work this breakdown matter out with me, its probably a complete waist of time but I am going to just ask. The representative told me the only number Ocwen has on file for me is XXXX. I have evidence Ocwen has my correct number. The Ocwen representative, ID number XXXX hung up the phone on me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-24

Huntley, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Cheverly, MD

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: To whom it may concern, I am responding to the findings from my request to dispute my credit report and wish to address the OWEN LOAN SERVICES and HOMEWARD RESIDENTIAL. In the enclosed documents you will find in my Divorce agreement ( Encl. 1 ) file in XXXX, XXXX County, Florida Case # XXXX Division No. XXXX signed and agreed on the XX/XX/XXXX page XXXX & XXXX Real Estate located XXXX XXXX Florida was signed over Quit Claim Deed XX/XX/XXXX. ( Encl. 2 ) which states she is responsible for all taxes mortgage and interest thereafter. I turned over the loan in good standing. I question the existing mortgage that I have no idea maybe she refinance and without my consent use my name. I am unable to question the mortgage company because they state I have no authorization. Then why is it affecting my credit? I wish no harm or charges against her just wish this be removed from my report and all future actions be blocked for my protection. I work for the federal government that requires clearance and previous law enforcement which required integrity in the personal issues. Please review the enclosed documents and advise further action required. Thanks, your attention to this matter is greatly appreciated.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Finksburg, MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: This is the second complaint I have with Ocwen Loan Servicing. Ocwen did not pay my homeowner 's insurance and therefore it was canceled. This was after numerous calls with Ocwen to get it paid. I even had a 3 way call with Ocwen and my insurance agent. I thought it was taken care of since Ocwen stated they were going to XXXX the payment. I found out it was never done and I no longer have insurance. I lost my low deductible and my low premium for being a long term client. Ocwen put forced place coverage on my account and raised my payment. I have several calls to Ocwen 's Ombudsman team and manager ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX ). They will not give me help resolving the increase in my payment due to their error or resolving the loss of insurance. I have not been able to get new insurance. I will never be able to get the same deductible or payment for homeowners. I have called several insurance companies and get the same response either I wo n't be insured or a way higher amount than what I was paying. This was not my error. I have always been current on my mortgage. This has caused me a heavy burden. I have been fighting with them for 2 years now. I need a solution of how Ocwen is going to fix their error and a resolution of how I am going to be compensated for their error. I should have have to increase my payment for their error. I should not have to be penalized for the rest of my life for the loss of insurance ( deductible and payment ). How am I being protected from a Servicer that conducts business this way? I need this complaint resolved immediately. The last complaint was just forwarded to Ocwen but never resolved. This is unacceptable.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-03-24

San Gabriel, CA

Settlement process and costs

Mortgage: Other mortgage

Complaint: Ocwen Loan Servicing and XXXX both have committed years of fraud against me. Attached is email communication between my local district attorneys office and myself, Investigation. Ocwen Loan Servicing robo-puppet " XXXX '' is cherry picking email communication between Ocwen crooked counsel " XXXX '' and myself only to spin its cover up to the CFPB. its very difficult fighting a bunch of Ocwen scumbags when I am having multiple XXXX daily do to Ocwen Loan Servicing crooked robos overwhelming fraud abuses. Ocwen Loan Servicing and its robo-puppets keep harassing me, claiming I owe a debt with Ocwen when I do n't. I try and plead with Ocwen scum employees and explain to them that Ocwen / XXXX used fraud upon the court to phony up a pretender beneficiary judgement, using forged fabercated documents to bribe a bias judge to strip me of all my rights. I demand scum Ocwen lawyers to have XXXX VP XXXX call me to discuss XXXX/ Ocwen Loan Servicing ongoing fraud abuse which has caused me serious health troubles,
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-23

Mount Airy, MD

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Chattanooga, TN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Russell, IA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

IN

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: Hello! I am trying to get a release of liability on my Shared Appreciation Modification with Ocwen. Need to get my ex husband of XXXX years off the loan. I have paid the loan on time for 4 years just me. I was denied - the reason is WHY is why I am contacting you. I was denied due to a foreclosure. I have paper work from the courts of where Loan company put a foreclosure on my record in XXXX and removing it in XXXX when I signed the SAM. They said I had to wait 7 years before the release of liability. How can I have a foreclosure on the house I am living in. Also now I have researched and saw a lot of bad things about the SAM. I am trying to refinance and now I am seeing lots of issues with the agreement I signed. YIKES. Presently I am asking help on the foreclosure business .... So was there a foreclosure and can they really deny me for that reason? I show it was dismissed without prejudges.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Newport, TN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I feel that Ocwen prepared, executed, notarized, presented and filed false and misleading documents with the courts, government, and myself to aid in the unnecessary foreclosure of this house. They provided false and misleading information to me about the status of my authorization to go forward and actively pursue loss mitigation alternatives that they offer. They did not follow the state procedural requirements for bringing a foreclosure, proven thru documents I am submitting, and the dates therein. I ask the state to perform a judicial review if necessary, and look at my few documents and letters, showing evidence of error, and false/misleading information. I was in good faith actively pursuing a loss mitigation alternative by loan assumption, including all back payments and taxes, as the lenders attorney stated in his letter postponing the sale. Ocwen has been charged with engaging in unfair and deceptive acts or practices in violation of the federal Consumer Financial Protection Act and state laws covering 48 states in the past. Their unlawful conduct resulted in injury to consumers like me and my family. The settlement required Ocwen to comply with the standards for servicing loans found in the XXXX National Mortgage Settlement between the state attorneys general and federal government and the five largest mortgage banks as well as new standards. The CFPB and state attorneys general can enforce compliance of violations of Ocwen 's servicing practices. Ocwen agreed to major reforms in how it services mortgage loans that require them to adhere to a long list of obligations with respect to borrowers facing foreclosure. Providing borrowers documents, and giving every available opportunity to first modify their loan before foreclosure action, and provide each borrower a reliable single point of contact so they have access to a person to obtain information from. This contact was enhanced to ensure consumers can pursue loss mitigation through other means, such as home-ownership events, public workshops and non-profit housing counselors. These are all things I have been trying to do alone, having no knowledge of home buying, mortgages, and escrows. These rules went into effect XX/XX/XXXX by the CFPB. Ocwen seems to be more a foreclosure company, not a loan servicer. There was not a bit of respect or aid given to me and my family, and again, all we want to do is pay the loan, taxes, have decent insurance. They began actively selling this house on several different sites, who I dug into and are all seemingly affiliated with each other/Ocwen. Even the nice people trying to get us to move out, offering a 'possible ' payment if we move quickly, is in the end an arm of Ocwen XXXX Most job opportunities on the sites are for another country, XXXX I believe, and why is it ok for a foreign based company to take the role of " helping homeowners is what we do '', and turn it into a money making foreclosure business for themselves, putting struggling American citizens out of their homes?? None of us in this house have enough money to 'just move '. My truck is sitting in the drive needing 400.00 in repairs, it wont budge. Every month we are paying our bills, we cant just hoard our money. Please, help us in this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Birmingham, AL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Monmouth Jct, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response