OCWEN FINANCIAL CORPORATION

2017-03-22

Bayonne, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Downers Grove, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Hempstead, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Palos Park, IL

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Complaint: I am writing to request your assistance in resolving collection by the above listed company for a debt I am no longer responsible for. Enclosed you will find a page from my credit report reflecting a false entry by Ocwen Loan Servicing. As a brief background, I sent a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ) to XXXX, XXXX and XXXX. On XX/XX/XXXX. It should be noted that Ocwen is considered to be a debt collector within the meaning of the Fair Debt Collection Practices Act ( " FDCPA '' ) when they acquire servicing rights and responsibilities of this alleged delinquent loan. In that Notice of Direct Dispute, I included all of the requirements of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ), namely : identification of the specific information that is disputed, my basis for the dispute, and relevant information reasonably necessary. The investigation into same was completed on XX/XX/XXXX. I have enclosed the results of same for your review. Ocwen Loan Servicing began listing this account as a past due traditional mortgage account on my credit report in XX/XX/XXXX. This is the first of many inaccuracies relative this entry on my credit report. This is NOT a mortgage account. It should be noted that the account was never reported to the credit bureaus prior to XX/XX/XXXX. Ocwen listed this account as a " Traditional Mortgage Account '' on my credit report. This is just the first of numerous false details about the entry Ocwen has fraudulently placed on my report. While Ocwen Loan Servicing may service loans, once they begin to collect on delinquent loans, they then become a debt collector subject to the laws under the Fair Debt Collections Practices Act ( FCDPA. ) Ocwen can not report this as a traditional mortgage account when according to their own representative, the account was acquired in delinquent status ( SEE ENCLOSURE. ) To that end, I am at a loss as to why a traditional mortgage account would only begin to report in PAST DUE STATUS five years after the alleged inception of same. I.e never reported in any other status. To that end, I am not the owner of record for the property listed as security for the mortgage. It should be noted that I have no relation to the true owner of record I.e not a spouse or relative of any kind. Ocwen Mortgage lists this account as being 11 payments past due, yet lists a delinquency status of 120- 149 days late. I must then ask does Ocwen Loan Servicing require some sort of every other month payment schedule? That is the only plausible explanation as to how an account they claim is 11 months past due can also be only 120-149 days past due. As stated, the account is listed as a traditional mortgage account yet reflects no 30 or 60 day late payments and instead lists the account as being 90 days late ten times. This would be a total of 900 days late which is in direct contradiction once again with information reported by Ocwen Loan Servicing. Essentially Ocwen Loan Servicing is reporting that the account is 11 MONTHLY payments past due, yet only 120-149 days past due. At the same time Ocwen Mortgage is reporting ten 90 days late payments which totals approximately 2.5 years. I am quite confused as to which set of numbers Ocwen would have represent their version of the truth. Is the account 11 months and 120-149 days past due ( 4 to 5 months )? Or is the account past due 900 days and 2.5 years ( 30 months ) past due? I have enclosed a statement from Ocwen Loan Servicing dated XX/XX/XXXX which claims that the account was delinquent 1845 days as of that date. According to Ocwen, the loan actually decreased in delinquency during the past year going from 1845 days delinquent in XX/XX/XXXX to only 900 days past due in XX/XX/XXXX. Yet another completely fabricated element by Ocwen relative the situation. It should also be noted that I have received
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Ft Myers, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: began a home building process in XXXX XXXX, deposited {$18000.00} with XXXX, home was built, closing occurred XXXX XXXX and {$18000.00} deposit was added back to amount. False appraisal of home was $ XXXX for a $ XXXX note. Closed then and moved in, one year later GMAC became servicer and jacked up {$1800.00} monthly payments to {$2700.00} based on false appraisal.XX/XX/XXXX, AHM went bankrupt, XXXX rejected {$80.00} XXXX in XXXX XXXX trusts, XXXX XXXX XXXX XXXX [ XXXX XXXX of XXXX ] bought those XXXX garbage trusts made by XXXX and serviced by GMAC for a mere 1 % .This is called RE-VENUE not a real purchase, he got only rights not full equity claim. I Filed TILA claim in XXXX XXXX against XXXX and GMAC, one month later XXXX XXXX as " trustee '' of voided bankrupt trust, filed a foreclosure suit without standing as trust was voided.Still in my home and I have filed several complaints to you, and agency created from my complaints. See case # XXXX filed XXXX XXXX in Fl. XXXX. can be seen on pacer.gov So now, XXXX XXXX was behind trying to foreclose on me all along, and OCWEN is and has been committing fraud, by not revealing the true party in interest.OCWEN claims to be " servicing '' a bogus trust for XXXX XXXX, all who are hiding behind XXXX XXXX. See attachments. The BK court in my case, duscharged all debts leaving only a " creditor with a valid lien '' and there is no creditor only fraud based debt collectors trying to get their 1 % investment plus another illegal 99 %, this is how the corrupt 1 % rich get rich, but XXXX for 1 % and collect 99 % from the 99 %, who dont know what is going on.Then there is me, smarter then all others. I want you to file an amicus breif on my behalf and know that they tried to make XXXX trusts from XXXX home documents.FRAUD. the case is in XXXX county florida XXXX circuit [ XXXX ] case # XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Mount Holly, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have recently received a response letter from Ocwen Loan servicing in regards to a CFPB report that was filed 60 days ago. I was very much to the point in the CFPB report that I wanted a response back through the CFPB as to my claims. This is not has conspired the company has permission to correspond back and forth with me and does so but when asked to place the facts in writing and with a agency that knows what the rules are and can see what the company has done its much easier to just mail it to your law firm where it might not get notice and just filed away not this time. Please reply to my redline statements of included in the letter sent to my law firmed. Please reply back through the CFPB with in the allotted time frame.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My office represented the borrower in a foreclosure case in XXXX XXXX Court. The borrower changed attorneys and we no longer represent her. However, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

E Farmingdale, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-21

Soddy Daisy, TN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: We are filing a complaint because our mortgage lender is Ocwen Loan Servicing and they have posted a sale date on our home less than 30 days from receiving a notice of such actions. We previously had filed a complaint against Ocwen for failure to apply all of our chapter XXXX bankruptcy payment disbursements. As a recap out of {$8300.00} in payments paid directly to Ocwen from the US Trustees office, only {$5100.00} has actually been applied to our loan. On XX/XX/XXXX, agent named XXXX ID # XXXX, advised us that since we filed the complaint with the CFPB, on XX/XX/XXXX, there had already been some adjustments made to our loan in the amount of {$150.00} on XX/XX/XXXX. The agent went on to say that there would be additional adjustments made and we would be notified once the problem had been fully addressed. To this date we have not heard anything further and out of nowhere we received a sale date notice dated for XX/XX/XXXX, indicating a date of sale XX/XX/XXXX. This is a violation to Tennessee foreclosure procedures law. The laws that govern Tennessee non-judicial foreclosures are found in Tennessee Code, Chapter 21 ( Proceedings in XXXX ), Part 8, 21-1-803 ( Foreclosure Sale ) The Foreclosing attorney for Ocwen which is, XXXX ( XXXX ) 1. XXXX has failed the following actions required by law : Prior to initiating a foreclosure the trustee or other party conducting the foreclosure must notice the borrower of the sale at least twenty ( 20 ) days before the sale and publish the notice of foreclosure sale for at least three ( 3 ) weeks in a newspaper of general circulation in the county in which the property is located. The first publication must be twenty ( 20 ) days prior to the sale date. If no newspaper is available the notice must be posted in at least five ( 5 ) public places, including the courthouse and the property being foreclosed at least thirty ( 30 ) days before the sale. Furthermore, since XX/XX/XXXX, my loan has been under review for modification assistance with confirmation of a full complete package as of XX/XX/XXXX. Ocwen is refusing to postpone the sale date and this is considered " dual Tracking '' a federally prohibited offense by mortgage servicers, explicitly Ocwen since the National mortgage settlement. Ocwen is attempting to strip all positive equity from my home and have ultimately forced our home into foreclosure by refusing review of my modification request package.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Hudson, NC

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Client got behind on mortgage due to being diagnosed with XXXX. They asked for reinstatement amount & was adv it would be {$17000.00} or thy wld start foreclosure. On XX/XX/XXXX I wired {$13000.00} prior to the deadline to starting the foreclosure even though it was short. Then the bank sent a 2nd wire the same day which totaled {$27000.00}. The applied the funds to my account and forward posted my payments for almost a year in advance. Since they received the funds they still filed for foreclosure and charged me additional {$2500.00}. Once the 2nd wire was pulled back they backed out all of the payments and held the money in a suspense account and proceeded with foreclosure even though the {$13000.00} had been sent. Part of the {$15000.00} included the month of XX/XX/XXXX which was a current due payment plus attorney fees. They scheduled a hearing for XX/XX/XXXX. They continued to accept our monthly payments. Then I got sick again and had an issue with my employer depositing my paycheck into my account which I was not aware of when I made the arrangement for the payments. On XX/XX/XXXX I received a reinstatement letter of {$5200.00} there were other fees listed below but it is noted that those amounts were not needed to reinstate the loan. So on XX/XX/XXXX I sent a wire for the {$5200.00} just one day after receiving the reinstatement amount. Then on XX/XX/XXXX I got a letter stating they were returning the funds because the file was now back in active foreclosure and on XX/XX/XXXX they sent a letter stating it would now be {$7300.00} to reinstate which included all the fees that had been listed below the line of the reinstatement plus another XXXX for attorney fees and they have set another notice of hearing for XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-21

El Paso, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

San Gabriel, CA

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-21

Lashmeet, WV

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: We are in process of selling our home and found out that a ocwen did not pay our property taxes for XX/XX/XXXX and XX/XX/XXXX. Our property was sold and we had to get a small loan to pay the XXXX to get our property back. We would have never found out that our home was sold if we had n't had our house on the market. Ocwen lied saying that they sent out a check but XXXX XXXX courthouse said they never received the payment. We also checked with XXXX to see if they received payment. They said they never received it. My husband drove to charleston to pay them and I 'm attaching the redemption certificate he received for your records.
Company Response: Closed

Disputed: No Timely Response

2017-03-20

Lucas, TX

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Rocky Ridge, MD

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Anaheim, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-20

Ft Myers, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: OCWEN LOAN SERVICING PLACED UNAUTHORIZED FLOOD INSURANCE ON MY BEHALF WITHOUT MY KNOWLEDGE AND/OR PERMISSION. THEY HAVE BEEN DOING SAME FOR FOUR YEARS. THE HAZARD INSURANCE I KNEW ABOUT BUT CONVENIENTLY NOT THE FLOOD. I DID NOT KNOW I WAS REQUIRED TO HAVE FLOOD INS. NEXT THEY ARE PRICE GOUGING. I NOW KNOWING THIS AM GETTING MY OWN FLOOD INS FOR XXXX, THEY ALREADY TOOK MY MONEY AND ESCROWED FLOOD INS. FOR XXXX. THE ONLY WAY I FOUND THEY WERE DOING THIS WAS THEY TOLD ME MY ESCROW WAS SHORT.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Akron, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-20

MS

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Ocwen Loan Servicing had me agree to a trial period for modification. At the end of the trial period, I received a notice that I would need to pay over {$3000.00} to reinstate my loan. I submitted needed documents and I feel like I was mislead in the way it was handled. By them having me pay the schedule that they set up, I should not be behind anymore and my mortgage should me now current. However, they did not do that. They put me under a trial modification and then at the end told me I did n't qualify with no explanation other than an issue with the title that had nothing to do with me personally. I submitted the appropriate documents to them and they are still trying to charge me over {$3000.00} to get my loan reinstated. I was only behind XXXX payments of {$740.00} to begin with and then they had me skip a month before beginning the modification which was another {$740.00}. By my calculation, I should only be behind the two months I did n't pay seeing that they had me skip a month for the modification. I am a single mother of XXXX and working XXXX XXXX jobs trying to stay afloat. I can not afford to loose my home. PLEASE HELP
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

San Gabriel, CA

Settlement process and costs

Mortgage: Other mortgage

Complaint: I own my home free and clear. Pretender lender loan servicer " Ocwen Loan Servicing '' using its cozy relationship with XXXX and XXXX, using fraudulent trustee sales that was taking place in just days as a weapon to coerce me into signing a increased none negotiable fraudulent {$750000.00} loan modification settlement in order to save my home from being auctioned off by crooked shady Ocwen 's buddy XXXX in just days. Then Ocwen and its crooked lawyer " XXXX XXXX '' would not allow me the right to have a congressional hearing before congress to tell my story about all the years of being under severe stress by these companies servicing 's abuses which has caused me serious health troubles, serious harm. Now, after Ocwen, XXXX and XXXX all threatened with fraudulent trustee sales, Ocwen is now using pretender lender loan servicer impounds account as another weapon, forcing my private homeowners insurance into the pretender servicers phony impound account. I paid my private homeowners insurance policy in full because I own my home free and clear. I received a refund from my homeowners insurance company. Pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX, all have committed fraud against me. I have evidence of Ocwen putting years of forced placed insurance policies on the pretender lender loan servicers account when I had my own private homeowner insurance policy at all times. Do n't worry Ocwen litigation crooked lawyers puppet XXXX will tell everyone 2=2=5 the sky is green grass is blue.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-18

Hanceville, AL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am in forbearance on my mortgage. I have made the agreed upon payments before the due date and Ocwen has accepted the payments yet they still send default notices which when I call they tell me to ignore the letters. If I ignore the defaults and they foreclose I hace no defense in court. Ocwen has a history of fraud and other sleazy business tactics. They have paid XXXX dollars in settlements. This is more of their scam. I am paying as agreed and they keep threatening me. Their escalation managers are condescending and have no desire to do anything other than read from a script.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Allenwood, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We did a tier 2 modification about 3 yrs ago now due to becoming XXXX and my wife changing jobs a payment of XXXX. is way more than our income, after 4 months of doing paperwork and sending every document they wanted they said the lender would not approve a modification, in the tier 2 modification they did not forgive money as they stated but put it on the end of the mortgage so my statement shows I owe XXXX and the payoff is XXXX. My home is only worth XXXX. I would like to be able to have an affordable payment, and my payoff at what the house is worth.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Algonquin, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Conway, SC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response