OCWEN FINANCIAL CORPORATION

2017-01-24

Nutley, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Forked River, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Our house flooded XX/XX/2016, our insurance company mailed the check to us to sign and then mail to Ocwen Mortgage Claim department. They have had the check since XX/XX/2016. Our house has been done since for 2 or 3 weeks. We have been trying to get the money from the mortgage company for the contractors for a month now and they come up with a new excuse every week. I have called there everyday for 6 weeks they said a inspector had to come out when the house was XXXX % and XXXX % done. We have requested an inspector several times and nobody contacted us. I filed a complaint with there complaint department and they did call me back they said they were going to wave the inspection since the house was done and we were living there. They told me that would take 3 to 5 days to do. Then an inspector called me Wednesday XX/XX/XXXX and went and looked at the house said it was XXXX % done and sent in his paperwork that day. Today is XX/XX/XXXX and the mortgage company is telling me they have n't downloaded it yet. They have told me that Sat, Mon and now today. My contractor is threatening to sue us because all of there money is tied up on our job $ XXXX and they have been done now for weeks. I have called and spoke to someone everyday, They told me today to call back next week and I can find out where they are. I have heard this for so many weeks. I have left messages with supervisors and managers several times. Nobody calls me back at all. I am just stuck and do n't know what to do. I am already being sued for {$1300.00} from the 1st contractor that we signed a contract with because we had to cancel the contract because they could n't get any money from the mortgage company. So we hired a second one and they have done the whole job with there own money. The mortgage company filed sent them {$10000.00} on XX/XX/XXXX and the job was XXXX % finished. We had requested that a month before that. I do n't want to get sued again and the contractor does not want to do that but they need there money. Our insurance company has closed our claim 2 weeks ago and said they ca n't help us the mortgage company wo n't talk to them. I am hoping you can help me. I do n't know what else to do. Our local bank suggested calling you.
Company Response: Closed

Disputed: No Timely Response

2017-01-24

Lenzburg, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My name is XXXX XXXX XXXX. I send in my information about my mortgage and how XXXX XXXX and Ocwen is doing Fraud on my mortgage. I never heard back for consumer Financial If you find any thing that can help me save my home. my number is XXXX have about month before I 'm on the street
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-24

Key Biscayne, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My home experienced a broken pipe and suffered flood damage. My insurance company issued me a claim check pay to myself and my mortgage company Ocwen. Ocwen will not release the funds until they are provided with a Third Party Adjuster Worksheet. The insurance company does not provide such a worksheet, they paid out a negotiated the claim and do not provide any further information. The repairs have been made and the contractor is expecting payment and Ocwen will not disburse the funds held in escrow
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Camp Springs, MD

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Bowie, MD

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Trenton, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We think our mortgage company is asking for too much escrow money. Our escrow balance is currently XXXX. They are increasing our monthly escrow payment to XXXX. Which means my escrow balance after my XX/XX/2017 payment will be {$2100.00}. My total taxes and insurance are XXXX. XXXX of that is {$920.00} per month ; however, the bank is asking for XXXX per month. After I make my XX/XX/XXXX payment my escrow balance will be XXXX so even at the inflated amount of XXXX per month they will have more than 2 months worth of escrow.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Berthoud, CO

Settlement process and costs

Mortgage: FHA mortgage

Complaint: I bought a home from GMAC it was a foreclosure property, IT WAS NEVER DISCLOSED that the property had mineral rights, its almost impossible to get a chain of rights. The bank has that information because they mortgaged it originally with the rights, at the sale and on the deed they made an exception to oil and gas. Since it was never disclosed that their was mineral rights I did not object. If I was informed of the fact I would have paid more or not purchased the property. NON DISCLOSURE FORM MATERIAL GAIN. I am a senior and feel very taken advantage of!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Mc Donough, GA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Kawaihae, HI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My Home mortgage is currently working on modification but XXXX is published to sell my house without open house in XX/XX/2017. I opposed this during the hearing but judge granted XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

CT

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XXXX XXXX, XXXX I mailed Qualified Written Request to Ocwen Loan Servicing , LLC, which was received on XXXX XXXX, XXXX. The Servicer did not acknowledgemy QWR request by letter within FIVE ( 5 ) days and I am assuming that it will also not respond. For that reason, I would like you to submit my complaint with my QWR request to my servicer as soon as possible.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-22

Baton Rouge, LA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-22

Spring Hill, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Starting around XXXX, my house was unlawfully foreclosed on, without my knowledge, as I was never lawfully served. I was made aware by an advertisement I received in or around XXXX XXXX. NONBANK Ocwen Loan Servicing, a Florida corporation the has no license posted on its website to operate in New Jersey and with whom I never had a contract, and its attorneys, was escorted through the XXXX XXXX, NJ XXXX XXXX and New Jersey State XXXX court behind my back. Through backdoor dealings with corrupt Sheriff XXXX XXXX of XXXX XXXX, and unlawful sale od my private property occurred inXXXX, at which time the Federal government had frozen all of Ocwen 's mortgages and they " would not foreclose '' per their own website. On XXXX XXXX, a vicious assault occurred against me that also affected my neighbors, family and pets. XXXX 's office literally threw me out of my private property and destroyed all my furniture and destroyed nearly all of my personal possessions. My property was being thrown out own front of me and I was not permitted to take anything after the initial 15 minute process. Deputy Sheriff XXXX, who coincidentally has the same last name as the representative of the moving company, forced his way into my home under the hammering threat of arrest without providing me a warrant or signed court order. As a result, several of my pets were XXXX and my family and neighbors traumatized and/or were threatened by arrest. This rendered my homeless and with very little possessions. In the past year, I made several court filings in XXXX XXXX, the State of New Jersey and the New Jersey XXXX XXXX. I have involved the US DOJ, and on its request, the FBI now has a file on my situation. I 've also brought this to the attention several NJ XXXX and XXXX. I received a letter from Ocwen Financial, dated XXXX XXXX, XXXX -- 22 days after my unlawful eviction and unlawful search and seizure of my home by corrupt Sheriff XXXX 's office under hammering aggressiveness threat of arrest by Deputy XXXX. ( XXXX is also the last name of the Moving company 's rep. XXXX? Organized crime? ). Ocwen was the Plaintiff in this unlawful foreclosure. The letter stated that they sold my [ fraudulent ] mortgage to XXXX XXXX Loans in XXXX XXXX. So they " could not assist me at this time. '' They had no proof of contract. That is because a contract never existed, a fact on which I have stood firmly throughout this unlawful process. The Plaintiff has the burden of proof and this proof was NEVER presented to the courts ; yet, they allowed this NONBANK [ as referred to by the XXXX, XXXX, etc ] Ocwen Loan servicing, a debt collector, to proceed and acquire a mountain of fraud-based documents against me. Additionally, if the [ fraudulent ] mortgage was sold in XXXX XXXX, how could they remain the Plaintiff for an unlawful sale of my private property in XXXX of XXXX? This unlawful Sheriff sale occurred while the Federal Government had frozen all of Ocwen 's foreclosures and Ocwen " would not foreclose '' per their own web site. Ocwen is a Florida Corporation that does not post a license to operate in New Jersey, as they do with other states and is required by XXXX XXXX. I have involved several entities from the FBI to the XXXX, several media agencies, politicians and attorneys. I also am building a suit against a moving company and storage facility that knowingly breeched its own contract and policies on three counts, as almost everything I own was damaged, stolen or missing. The perpetrators of this brutal assault against me have gone unpunished and I am suffering a great deal of trauma from their crimes. This heinous crime against me must be corrected. I am checking " Problems when you are unable to pay. '' below, though this is not the case. I had to check some thing to submit the form, but none applied.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

Detroit, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Baxter Estates, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Vacaville, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Bellevue, TX

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Ocwen reports that I own them {$3400.00} in " Past Due Payments ''. History recorded below : INDYMAC sold my mortgage to Ocwen in XXXX 2014. INDYMAC told me to send my check to Ocwen, which I did on XXXX XXXX, 2014. Ocwen sends me my next statement dated XXXX XXXX, 2014, telling me my mortgage payment is due XXXX XXXX, 2014. I call Ocwen, and they just tell me the due date can not be negotiated, and that my next payment is due on that date. I sent a certified letter, no response. I tried several more times, but no response. I have been late ever since. There was no way I could turn another mortgage payment around in 2 weeks.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

NV

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am filing this complaint regarding Ocwen Loan Servicing , LLC, promising in writing {$2000.00} for cash for keys, on my foreclosed property in New Mexico. The foreclosed property 's address is XXXX XXXX XXXX # XXXX, XXXX XXXX , NM XXXX. The property is now vacant.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

San Antonio, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XX/XX/XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had XXXX mortgages : the first with OCWEN, the second with XXXX. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure ( DIL ), which OCWEN granted, provided I clear the lien with XXXX. On XX/XX/XXXX I was able to provide OCWEN with an acceptable Settlement Agreement from XXXX so that OCWEN could settle the second lien. That Settlement Agreement expires on XX/XX/XXXX. OCWEN sent me a DIL packet, which I returned on XX/XX/XXXX. On XX/XX/XXXX, I called OCWEN for a status update and was informed that my DIL application had already been denied ( as of XX/XX/XXXX ) because an entity in the chain of mortgage servicers, namely XXXX Mortgage, was out of business and presumably might still have an interest in the property. Upon digging through my document archives, I discovered that XXXX Mortgage had initiated a loan with me, which it transferred to GMAC Bank on XX/XX/XXXX. Per common knowledge, GMAC subsequently went out of business and OCWEN purchased its loans. So, the point here is that OCWEN had denied my application because it failed to recognize that XXXX Mortgage was a servicer on the very loan that OCWEN is now servicing! I provided OCWEN with supporting documentation on XX/XX/XXXX and informed OCWEN of the situation. Since my request had been denied, I had to wait for an OCWEN agent to be assigned back on to my request. I have reminded OCWEN multiple times that my Settlement Agreement with XXXX expires on XX/XX/XXXX. I have requested several times that OCWEN expedite this DIL. My Settlement Agreement with XXXX is about to expire and I do n't think that OCWEN is working in good faith on my request. In my most recent interaction with OCWEN on XX/XX/XXXX I was informed that I may have to extend my agreement with XXXX because no guarantees can be made about the speed at which OCWEN can operate.
Company Response: Closed

Disputed: Yes Timely Response

2017-01-20

Hinkley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Ocwen Loan Servicing has not processed my loan modification and is basically blaming me for the delinquency, stating that they did n't get documents. This would be my second time using them for a first loan modification. I had sent my new application to them in XXXX timeframe. I had decided to go with back with them since it was a pretty smooth process the first time. This time has been a complete fiasco. They sent me a letter stating that my loan modification had been approved XXXX/XXXX/2016, subject to information ( one form ) that was faxed to them on XXXX/XXXX/16. A Delinquency Letter was sent XXXX/XXXX/16. After that, a letter a month came with a new issues every time. After speaking to them on various occasions, they stated that there was nothing to worry about, all of this is was standard procedure for loan processing. However, like I said previously my loan had already been processed and was approved. As the mortgage statements came I continued to pay the amount stated as my modification. Then they sent me a letter stating that my application was n't complete in XXXX 2016, the document missing was a tax form. We sent the document that they requested four different times as you will see from the faxes. They also had left out the information that was needed on the tax form and by the third time sending it then asked for a letter of clarification. The main problem was that they took an IRS form and made it theirs ( which was illegible on their part ) I ended up downloading the form directly from the IRS site. After they said the form was legible they said they would reprocess my application which had already been approved in XXXX. It has been an on going battle. They said my loan should be completed by XXXX XXXX and scheduled a conference call for the XXXX. Prior to that they sent a letter stating that they had not gotten a response from the third party loan ... On the call on the XXXX then stated the application was with the underwriters and would still have to get word from the third party loan. Ocwen went on to give info from help if loan does n't go thru ... What?????? Please review all attached documents to help settle my compliant. I am XXXX and do n't want to lose my home to foreclosure.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Detroit, MI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-19

Westfield, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response