OCWEN FINANCIAL CORPORATION
Consumer Complaints
There are over 28887 complaints on file for OCWEN FINANCIAL CORPORATION. Dated between 2019-12-16 and 2011-12-07.
Complaints Page 23
2019-09-03
Topeka, KS
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: We requested a loan modification last year XX/XX/XXXX from Ocwen, in XX/XX/XXXX, when we completed the trial modification they stated they sent a form for us to sign and return, which we did not receive until after the date Ocwen had set for the deadline to return it. So the modification process was restarted but Ocwen transferred our loan to PHH. We made the trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and returned the required documentation by the deadline. We still have not received as of today any notification if it was approved. We made all payments through the website via XXXX XXXX throughout the trial process or on the phone. We have tried numerous times to make our XX/XX/XXXX payment the same way and the customer service representative states its not possible because our modification has not been approved yet. Finally on XX/XX/XXXX the website shows our suspense payments as applied, however first they shows applied to the principal, then reversed and in multiple transactions applied as {$990.00} in misc fees. The customer service representative finally says the modification was approved XX/XX/XXXX, but they don't know why we are not allowed to make our payments through XXXX XXXX as we always have done. We have had problems for years starting with GMAC and Ocwen, now PHH. We bought our home in XX/XX/XXXX for {$180000.00} now 15 years of payments later the principal balance is over {$200000.00} depending what documentation the mortgage company sends and a {$130000.00} balloon payment after we pay another 15 years! Not mention all the shuffling the mortgage companies and servicer 's have done over the years with bundling our mortgage in the trusts, we know and have proof that NO ONE COMPANY EVEN HAS LEGAL DOCUMENTATION or RIGHTS TO FORECLOSE! Every time we ask for Qualified Written Request they send a new falsified Corporate Assignment of Mortgage, the most recent is signed by XXXX XXXX XXXX, as the Assistant Vice President of XXXX XXXX XXXX, who is actually a attorney whose license was suspended by the Supreme Court of Pennsylvania in XX/XX/XXXX, and has a Law office in XXXX, Florida but is not eligible to practice law in Florida according to the Bar Association. Evidently he has continued his unethical practices by starting a side business of falsifying mortgage documents. We need someone that has some sense of ethics to help us out of this mess that has been made of the mortgage of our home through years and years of deceit by mortgage companies, servicer 's, attorneys. Today, now that our current servicer ( PHH ) has refused to accept our payment for XX/XX/XXXX by phone or XXXX XXXX, which is they way we have always paid, and state they now want us to mail a check so they can post it whenever, if ever, they decide to say it was received which now will be late, only because they " have not updated their system on the on modification approval. '' And all the funds we paid during the modification process were posted as misc fees rather than any money towards our principal.
Company Response: Closed with explanation
2019-09-03
Orion Twp, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX of this year, I knew I was getting very close to the 80 % LTV to terminate PMI payments on my mortgage. I contacted the servicer and filled out the form, made an additional {$11.00} payment in early XXXX to get to their requested value and paid a {$120.00} certification fee to have the PMI removed. I had two phone conversations that indicated that I had made the necessary steps. Nothing happened. In XXXX, I reached out to the servicer again. They indicated that I needed to submit the form again, which I did, but now two months later nothing has happened. I believe now that I am well below the 78 % LTV to require automatic termination of my PMI, yet nothing has happened to my claim since XXXX.
Company Response: Closed with explanation
2019-09-03
Hillsdale, NJ
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Closed with explanation
2019-09-03
WI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I HAVE BEEN TRYING TO RESOLVE THIS ISSUE SINCE XX/XX/2018, WHEN OCWEAN SET UP MY LOAN MODIFICATION. AFTER PHH TOOK OVER EVERYTHING WENT FROM BAD TO WORST. I RECENTLY RECEIVED A LETTER IN THE MAIL, AS DID MY HUSBAND, WE RESPONDED THE SAME DAY, WE MOST DEFINITALY WANTED A FACE TO FACE TO FINALLY STRAIGHTEN THIS ALL OUT. WE HEARD NOTHING BACK, CALLED ESCALLED IT TWICE AND STILL NOTHING. THIS WEEKEND WE RECEIVED A FORECLOSURE NOTICE AND THE POSTMAN LEFT A NOTICE TO PICKUP MAIL AT THE POST OFFICE, MY HUSBAND WENT TODAY AND IT WAS TWO MORE LETTERS TO SET UP A FACE TO FACE. I CALLED, PN HOLD 34 MINUTES THEN THE LINE HUNG UP, CALLED BACK, THE NME ON THE LETTERS AND THE EXTENTION WERE NOT RECOGNIZED BY THE SYSTEM. I WAS UNABLE TO GET THROUGH TO AN OPERATOR BECAUSE HER BOX WAS FULL?? I AM SO IRRATED BY THIS WHOLE THING AND DESPERATLY NEED TO HAVE SOME INTERVENTION.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-03
Scottsdale, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On Saturday XXXX a man from a reality company came by asking if I knew my house was in foreclosure. I had no idea what was going on and this was the first I have heard of anything concerning default with the mortgage company. I was making payments to mortgage company Ocwen and then received letter from Ocwen that payments needed to be made to phh mortgage by check sent in the mail which I did. After the man left I looked into my bank account and phh has not been cashing checks, I have not received any documents from phh mortgage in any way shape or form. I have been totally blind sided by this and believe the mortgage company has created a hardship on my side. XX/XX/19 I have reached out to a hud approved foreclosure counselor for advice and am seeking Legal council.
Company Response: Closed with explanation
2019-09-03
WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I do not understand how my mortgage payoff is {$100000.00} more than the original loan amount
Company Response: Closed with explanation
2019-09-03
Philadelphia, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-03
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. XXXX XXXX and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.
Company Response: Closed with explanation
2019-09-03
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-02
PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I am filing this complaint with the hopes that you can help us to clear up a previous lien, when in fact it is showing unsatisfied at the XXXX County Court House in XXXX, PA.
In XXXX we acquired in Construction loan from XXXX XXXX. After the construction the loan was then rewritten as a mortgage loan with the same company but a different division called XXXX XXXX XXXX. It is our understanding that XXXX XXXX should have listed it as satisfied when it was turned over to XXXX XXXX XXXX. It is also my understanding that they both went out of business. Prior to them going out of business we received a letter stating that they were turning our loan over to Homecomings Financial. We paid Homecomings for many years until they sent a letter stating that Ocwen would now be taking over the loan.
Approximately in XXXX, XXXX of XXXX we paid our mortgage off in full with Ocwen..
It wasn't until recently when we tried to sell a very small parcel of land to our neighbor that his lawyer informed us that there was an unsatisfied lean of {$83000.00} to XXXX XXXX from XXXX.
This is very upsetting because as you know we paid the mortgage in full. We were told that XXXX XXXX and XXXX XXXX XXXX were based in New Jersey, which is where I believe Ocwen is based. I am asking that you research this and help us with this dilemma.
Obviously we would never able to sale our home or leave it for our children with this lien showing unsatisfied. We are asking and hoping you can do something to help us. XXXX XXXX is the one still showing an unsatisfied lien when in fact they handed it off several times. Ocwen shows it was paid in full at the court house.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-09-01
Warren, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-01
Alread, AR
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-01
PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My Mortgage company is Phh service in XX/XX/2019 it was sold from Owens Mortgage I was on a modification program for 3 months paid trail period on time was told I would get my regular monthly payment 30 days before my trail period end which was XXXX I call several times before my trail period ended and was told to just make my regular payment I received my modification 3rd wk of XXXX already made my XXXX payments 1st wk of XXXX then I get different letter stating different amounts due XXXX statement said my escrow was short and I would have to pay XXXX more. Shouldn't they have know this when they sent my modification papers to be notarized and send back by the 4th wk in XXXX or given me more notice. Pls help me i call try to talk to my relationship manager several times before i received the escrow shortage notice never received call back
Company Response: Closed with explanation
2019-08-31
Chesterfield, MO
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-30
Olympia, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-08-30
Corona, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-08-30
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-30
Brooklyn, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 1. In XX/XX/2019, my mortgage was sold from Ocwen to PHH Mortgage.
2. On XX/XX/2019, I had an automatic payment sent to Owen, 3. In XXXX, PHH said they did not receive the payment from Ocwen and said it will be a few weeks to a month before it is reflected in their system. To date, XX/XX/19 they still have no record of this payment.
4. My loan has also increased by {$150.00} without them informing me.
I have sent payments towards my balance numerous times and PHH mortgage says it does not satisfy the loan requirements. Meanwhile, my " balance '' keeps increasing and there is a " Notice of Intent '' 5. PHH has asked me to fax in my grievance - which I have done so on XX/XX/XXXX, to date I have not received indication the matter has been looked in or resolved. Each customer service rep keeps saying the same thing over and over and nothing has been solved. They keep saying, " they are looking into it. '' Please review the XXXX reviews, PHH Mortgage customer service is the worse, not helpful at all.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-30
NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I would like to file a complaint on Phh Mortgage Company in XXXX XXXX NJ.
I went thru an issue of temp loss of employment got behind in my mortgage payment starting XX/XX/XXXX.
I did try to find a position but then car issues ect. Temp hardship I requested to pay loan but Phh mortgage wanted full amount. I filed for a loan modification package in XX/XX/XXXX awaited my 10 days .never received I started receiving letters from bankruptcy attorneys in my mail. I called mortgage company about my loan had been foreclosed on they said No. I asked about my modification package n they stated they were sorry computer error never sent it out. In the meantime instead I received foreclosure notice from attorney the next day and still no package for loan modification.
I received numerous letters to me. My ex husband who was never on the loan and separate letters to both my daughters. All letters which I now have to pay attorney fees for and were unneeded. I am the only person on the loan. My ex passed in XXXX.
I have had numerous issue w ohh mortgage continuous wrong information on my account. Wrong phone numbers given to me on important documents so when I called it said extension can not be located for my case manager. Just continues issues to prolong n add fees to my loan I have since been denied my modification as of XX/XX/XXXX and given 14 days to appeal and not receiving this document til XX/XX/XXXX and have til tomorrow vto appeal.
They denied me saying insufficient income and I do make enough they definitely calculated wrong I have the funds to pay my back loan plus late fees but they will not accept They want the extra {$2000.00} of attorney fees I have sent a letter to them requesting forgiveness due their delay in modification of loan and pointed out with dates their errors. Still no hope or help still continuous misguided information from Phh.
Which is abusive day after day if stress and anxiety due to their contact mistakes and hours and hours of being on hold. Asking for onshore help specific to XXXX XXXX NJ and getting XXXX Everytime .to date not once Have I spoken to my individual case worker always wrong number or not available I feel there is no hope working w them and they say a continuous sorry of their mistakes but do nothing to fix them There is so much more to add here and I am aware they were sued XXXX and had to pay many borrowers for exactly what they are doing to me Using deception and causing anguish for people who want to pay but they are declining the approval. Plus reading reviews I am not the only one once again having horrific experience w Phh mortgage company I have a reinstatement due by XX/XX/XXXX to prevent foreclosure on my home the one I grew up in and they are refusing my payment. Loan is due {$11000.00} w late fees which I have to pay But they are refusing it in the reinstatement and w not allow me to add the attorney fee to end of loan or as a short term payment plan They just want it all by XX/XX/XXXX Of {$13000.00}. 50 Please help me save and protect my rights on this loan for me and my memories of the home I grew up in In need of any information please contact me Thank you XXXX XXXX New Jersey PHh Loan w XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-30
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-30
NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-30
Avondale, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-29
Cave Creek, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-29
Lannon, WI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX we financed our home with Option One Mortage ( first and second ), we refinanced in XXXX with another bank. However, when going to the XXXX County Wisconsin, Register of Deeds, we have found out the Option One Mortage never sent the paperwork over to the courthouse to record it a satisfied. I have tried getting ahold of Option One Mortgage, the closing companies as well as my current mortgage holder and can't get anywhere. How can a company claim they were never paid for a mortgage loan when it was refinanced?
Company Response: Closed with explanation
2019-08-29
Hicksville, NY
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation