OCWEN FINANCIAL CORPORATION

2016-12-12

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been working with my lender Ocwen regarding a loan modification. I have been providing the documentation requested in a timely manner and have been following up once a week to ensure the process is going smoothly. I was told several times that the foreclosure was on hold due to the active review of my file. I then find out that on XX/XX/2016 that my house sold back to the bank. No one ever informed me of this sale date and the trustee 's website in fact stated that it was on hold. My homeowner bill of rights have been completely violated as the sale proceeded during review, I am aware of dual tracking and am not afraid to take legal action.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-12

Cranston, RI

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-12

Beyersville, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: We were approved for a loan modification, but our XX/XX/XXXX statement does not reflect the terms of the loan modification. Statement amount shows a payment due of {$240000.00}, but according to the loan modification XXXX payment due is {$3200.00}. We mailed the loan modification agreement and emailed the documents to our relationship manager on XX/XX/XXXX, but Ocwen sent another set of loan modification documents to our home address on XX/XX/XXXX and requested to have the documents sent back by XX/XX/XXXX. I am unsure why the second set of documents were mailed out.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-10

Clinchco, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-10

Bridgeboro, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-10

WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have paid my loan within XXXX days of the due date but the mortgage company has not put the payment to the loan until after XXXX days and then places that I am XXXX to XXXX days late on my payments causing my credit rating to drop and making so I cant refinance and use my guaranteed VA home loan saving us thousands. This is not the first time. We had a problem with the in the past saying we had missed XXXX payments and it was from before they got our loan. I have spoken with OCWEN mortgage a couple times on this matter, they agreed my payments were current and paid within XXXX days but payments not applied until after. That 's not my problem. They payment was made within the XXXX days and needs to be made right on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-10

Wonder Lake, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Received a letter from the lender indicating that my interest only loan will change. I called the lender and I was transfer to a loan officer who ran my credit and application with a wrong social security number. Loan officer fail to provide me disclosures within three business days. A week later follow up and find out that there were not loan in process. Loan officer confirmed that the loan was in progress and the rate was lock for a HARP 30years loan fixed at 4.375 %. Two weeks later he had to retake my application and I was not able to login to review disclosures. When the hard copies arrived I noticed that the social security was wrong. Two weeks later he change the terms without my consent.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-09

Co Spgs, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-09

Peabody, MA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Clarkstown, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

West Newfield, ME

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Ellicott, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-09

Ft Myers, FL

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was discharged in bankruptcy
Complaint: I AM PARTLY RESPONSIBLE FOR THE XX/XX/XXXX XXXX XXXX CONSENT ORDER AGAINST OCWEN.THE STATE OF XXXX THEN VOIDED OCWEN 'S PURCHASE OF THE MORTGAGE SERVICING RIGHTS OF XXXX AND XXXX, WHO I HAVE BEEN SUING SINCE XX/XX/XXXX. OCWEN GOT AN UNLAWFUL SUMMARY JUDGMENT RIGHT AFTER THAT IN XXXX XXXX FOR {$450000.00} IN FL. XXXX XXXX XXXX CASE XXXX FILED BANKRUPTCY, ALL " DEBTS '' DISCHARGED, BUT STILL OCWEN TRIES TO FORCE PLACE INSURANCE ON A PHONY " SECURED LIEN '' OCWEN HAS NO LIEN, I RECENTLY SENT YOU A PACKET OF INFO TO ENFORCE THE CONSENT ORDER AND MY CLAIM OF {>= $1,000,000}, DUE TO OCWEN HAVING XXXX YEARS TO CURE BUT THEY HAVE NOT.TODAY I CALLED AND YOUR OPERATORS WERE INCOMPETENT.I WAS FORWARDED TO THE WHISTLEBLOWER DEPT. BUT DISCONNECTED. I NEED SOMEONE IN THE XXXX DEPT TO TALK TO ME AT XXXX, SINCE I AM A PRO SE PLAINTIFF ON THIS ISSUE FOR XXXX YEARS I KNOW PLENTY AND AM DUE {>= $1,000,000}. SOMEONE PERHAPS ON XXXX OF " XXXX. GOT MY INFO, AND I NEED TO TALK TO THEM.THAT WOULD BE XXXX, I RECENTLY SENT OCWEN A DEMAND FOR VALIDATION OF DEBT PURSUANT TO FDCPA # XXXX AND THEY HAVE NOT YET RESPONDED.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Akron, OH

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-09

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: This complaint is for Ocwen Loan Servicing. I contacted XXXX XXXX and XXXX today, XXXX XXXX 2016 at XXXX regarding our Note and Deed of Trust. I explained to XXXX XXXX XXXX that fraud has occurred with our Note/Deed of Trust and that both our Note and Deed of Trust has Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX on each document. Each page of the Note and Deed of Trust has what appears to be a loan number at the bottom left side, which is XXXX. XXXX and XXXX XXXX could not find anything within their systems pertaining to a loan. XXXX stated ; call your servicer and ask them the following questions. 1st, please provide the investor loan number for our Note/Deed of Trust. XXXX stated that everyone has an investor number! 2nd, why does our Note and Deed of Trust have the following information? ( NEVADA Single Family-XXXX/XXXX XXXX ) 3rd, if you do not know why XXXX XXXX XXXX is on our Note and Deed of Trust, we request that Ocwen Loan Servicing completes a full investigation and provide us a response! 4th, when we requested in the past for a copy of our Note and Deed of Trust, we expected a certified copy and not a notarized copy or a copy of a copy which is very clear from the stamp at the top right corner that these documents are copies of copies. Why did Ocwen provide us a copy from a copy of our Note and Deed of Trust? We 've been trying to verify that the servicer has the original documents. Without the original Note and Deed of Trust, Ocwen MERS and XXXX Bank can not enforce the copies of our Note and Deed of Trust! 5th, please provide a certified copy from your state recorder 's office of our original Note and our original Deed of Trust! NOTE, in order to get a certified copy from your state recorders office, you must have the original documents! Enclosed is a copy, of a copy of our Note and Deed of Trust that you provided us in the past. Please review the bottom left corner along with the top right corner. We request that your company answer our questions in detail and provide documentation. Please do not have XXXX XXXX from the Ombudsman Office respond to this complaint? If she does, more complaint will be filed since she failed in the past to respond accurately to our complaints. Failure to answer our questions must result in action taken against Ocwen but not limited to the following ; investigation from a federal agency, fines being imposed, loss of business license, court order, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish and emotional distress.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-09

E Watertown, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Finksburg, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of XXXX XXXX, XXXX. XXXX CFR XXXX by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the XXXX day of delinquency pursuant to XXXX XXXX XXXX XXXX a ) and did not receive the written notice of available loss mitigation options required by XXXX CFR XXXX XXXX b ). Please postpone the foreclosure sale scheduled for the aforementioned date, to afford time necessary to comply with these loan servicing requirements.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Carson, MS

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: i was under the belief i was working on remod with ocwen - in fact the day before in mail i had gotten i request for more documents- and they kept telling me foreclosure date was not set it was still open- because of remod- and i believed them and they lied and foreclosed on house and took.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

San Jose, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I 've been in short sale negotiations with OCWEN for over XXXX months. They have been an absolute nightmare. They will often request the same material multiple times and provide misleading information. Below are the detailed notes. Summary : XX/XX/XXXX Appraiser completed the appraisal at the property. The reason for another appraisal is because the Appraisal that was completed before already expired. So we need to wait for the new appraisal result before they will decide for the {$150000.00} counter offer. XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. He confirmed that there is no foreclosure sale date as of the moment. He said that the Appraisal might receive within this week. Also, he said that I need to send the short sale documents again because it was already expired. The following documents are : Sale contract HUD Listing Agreement Buyers Proof of Funds ( XXXX or XXXX days ) Borrower income documents ( Paystubs XX/XX/2016 ) MLS RMA Non Owner occupancy certificate ( N/A opted for XXXX XXXX I will collect the Documents and send it to XXXX or XXXX it at XXXX. XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. She confirmed that they received the documents that I sent yesterday. It will be rev iewed now. Tomorrow is the schedule of the Negotiator to call us to update about the status of the file. I will keep you posted. XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. He confirmed that there is no foreclosure sale date as of the moment. He said that the file is already on the final review and just waiting for the decision. I will keep you posted. XX/XX/XXXX : XXXX. and spoke to XXXX via XXXX. I told him that I am returning a call because someone called me from their office. He said that is to inform me that the file was already forwarded for the final review. He said to callback by Tuesday to get an update. I will keep you posted. XX/XX/XXXX : Called OCWEN and spoke to XXXX from Short Sale Department via XXXX. He confirmed that there is no foreclosure sale date as of the moment. Also, the XXXX result after the Appraisal is {$180000.00}. The lender is countering the offer at {$180000.00}. XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. She confirmed that there is no foreclosure sale date as of the moment. She said that we need to respond for the counter offer as soon as possible. XX/XX/XXXX : Called back OCWEN via XXXX and spoke to XXXX. She said the reason of the call is to inform us that OCWEN will only accept an offer price of at least {$160000.00} and XXXX lien pay off of {$3600.00}. I will follow up with the Buyers agent if what will be the decision of the Buyer. I will keep you posted. XX/XX/XXXX : Received email from the Buyer 's agent. She said the Buyer will not counter the offer and wo n't pursue a Price Dispute. XX/XX/XXXX : Received call from the Relationship Manager of OCWEN named XXXX. He said that the file is still under review and still has no decision yet. I told him how come the other agents I spoke to said that the lender will counter the offer for {$180000.00} and the minimum amount that you will accept is {$160000.00}. He insisted that he is providing an update for me and that there is no decision yet. So I took his word since he is the Relationship Manager assigned to this file. Also, he said that the new Relationship Manager is XXXX. Around XXXX PM, we received anothe r call from a different representative and his name is XXXX or XXXX. He said that they will close the file for the short sale by Friday if we ca n't counter the offer. I told her that the Buyer wont counter the offer for {$160000.00}. XX/XX/XXXX : I decided to call OCWEN and talk to the manager to know why their company not providing the same information. They lack coordination in their loop. We are doing our
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Lynn, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-08

Coalinga, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-08

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-08

La Sierra, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-08

Soddy Daisy, TN

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly. The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home.. In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX. My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.
Company Response: Closed with explanation

Disputed: No Timely Response