OCWEN FINANCIAL CORPORATION

2016-11-09

Hillsdale, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: This is the last email I send about you not applying my payments for XX/XX/XXXX-XX/XX/2016 and removing the delinquents from my credit report. I am contacting CFPB on Friday XX/XX/2016 regarding you posting practices and how you have destroyed my chances of getting a loan for a property. I do not know the loan number since it was sold and paid off in XX/XX/XXXX. Then you returned the checks that were not applied. I need a response by Friday morning or I will be contacting CFPB, I have been writing you since XX/XX/2016, It should not take 8 months to get this corrected. OCWEN never applied my payments for XX/XX/XXXX- XX/XX/XXXX because I did not write the account number on the check. It was left in limbo and they sent the mail that I was delinquent to the wrong address and had all the mail returned to them. After years of paying on time, they will not take the delinquents off my credit reports, thus I am not able to obtain another mortgage. I sold the property and paid them off. I thought I would be able to purchase a new home in XX/XX/2016, it is now XX/XX/XXXX and I still ca n't get a mortgage because of them. I am virtually homeless, since I sold my home. I have been living with my mother, and my son and my daughter. I have called and written them several times to have it removed and to no avail. I need this removed immediately so I can get a place to live. It is unfair that such a careless outfit can determine my destiny.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-09

Ridley Park, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Newark, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Biddeford, ME

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Atl, GA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Newark, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Ocwen Loan servicing has now sent me another set of duplicate responses to my previous claim in which I requested that Ocwen send me copies of the document they say they filed with the County. It really amazes me how a financial situation can openly mock the system. Ocwen has sent me a release that was issued against a different apartment I owned up until XX/XX/2015. Which by the way, the crook investors Ocwen represents, grossly took away from me. Now investor and/or Ocwen wants to claim that that is the document they filed for apartment XXXX??????
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-08

Pasadena, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Darnestown, MD

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have spent the past 2 months trying to modify my loan with Ocwen and it 's been an excruciating experience to say the very least. After 10 years, it adjusted last year to a XXXX yr adjustable rate and my payment went up significantly, over $ XXXX. This year, it just went up again another $ XXXX. I am self employed and have gone from a XXXX income household to XXXX income. My credit is excellent and I make the payments on time. All I want from them is to fix the rate with a XXXX yr ammortization so I can afford the payments and keep my house. Aside from the numerous re-requests for documentation and forms and signatures that they already have, I was recently instructed to retrieve a copy of my divorce decree from the XXXX because apparently my letter of explanation and a copy of the recorded dissolution were just not enough. This was a costly and timely endeavor but I did so. Then I waited for a week for the Assumptions Application which I was instructed to fill out. When I finally received it, I quickly realized it was actually a loan application. I called the number listed on the application and the assumptions XXXX I spoke with confirmed that yes, this is a proper loan application and has absolutely nothing to do with the loan modification process. He said the loan mod dept had no idea what it was doing. If I was qualified to refinance or assume the loan and take my ex 's name off of it I would have already done so years ago. Unfortunately I do n't have the income to qualify which makes me not a candidate for assumptions. Since then, Ocwen told me to get a XXXX deed taking my ex off title. I did so and sent it in and now they keep trying to send me back to assumptions. My relationship XXXX does n't call when we have scheduled appointments. Every day I get calls and letters and emails from them asking me to do something I 've already done. The left hand has no clue what the right is doing. I have spent so much time and money on this process and it feels futile. I have excellent credit and have never missed a payment. All I want from them is a XXXX yr fixed rate. I 'm not asking for anything else. Is there anyone on your end who can help me try and navigate through this frustrating process?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Kawaihae, HI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XXXX my mortgage under XXXX and suddenly change to XXXX till XXXX, due to resessions and difficulty of business income, i got hard time to pay my mortgage, I applied modification and approved with the amount of {$2800.00}. I was in 3 months trial payments, on the 3rd months XXXX refused my payments coz my mortgage is no longer with them and was endoresed to Ocwen, I called Ocwen for my 3rd payments and was n't able to accept payment due to non documents in their system. I kept calling and waited for several months and I finally received statement back to my original payment. I could n't make the payment till I got Foreclosure via XXXX Bank. XXXX XXXX XXXX promised to save my house which I paid {$2500.00} as their service fee by XXXX XXXX XXXX which is later find out Scam. I continuedly saving my house to apply Modification directly to Ocwen. While modification is on going XXXX Bank keep fighting to foreclose my house.XXXX Bank filled a motion to sell my house without open house and the court granted while my modification is on going. I called Ocwen what is going on then ask me to submit some documents and scheduled me to a phone call which they failed to call me. I received a motion for selling my property without open house. XXXX scheduled to sell my property without open house in XXXX XXXX, XXXX. I received a denied letter from Ocwen after the selling date. I filed bankruptcy chapter XXXX to save my house and paid {$1800.00} XXXX = {$3600.00}. A week after my relation officer called me if I want to save house and I said of course. Again ask me re-do some documents which I did. Ocwen approved my modification too high as much as my original loan payments after I filed Bunkruptcy chapter XXXX. I did not accept their offer because too high and ca n't afford due to difficulties and changes of income. I want to know also why XXXX Bank is foreclosing or selling my property while modification was on going? Please I need help what is going on and need help to lower my mortgage.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Las Vegas, NV

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Complaint: I XXXX XXXX spoke to Ocwen Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX I also talk to XXXX they toll me they can not give me the full amount, XXXX went I talk to them on this day they say Yes that they were going to give me the full amount never toll me about any interest charge XXXX XXXX ID XXXX, also talk to XXXX ID XXXX well went I talk to them they told me to make the payment on the loan, and I did for the amount XXXX Do n't worry you are going to get all your money back went we get the pay off amount. But I told them that I was in the proses off paying the loan off amount {$170000.00} and my loan officer sent the pay off amount XXXX they got the pay off amount XXXX they are charging interest went I pay off the loan on time and made and extra payment for XXXX XXXX I pay {$1100.00} They only want to sent me {$1000.00} went I suppose to get the full amount. They say as long we get the payment before the XXXX XXXX it should be ok. I will get the full amount I still have not got my Money.Pleace help me call me at XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

San Antonio, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Conyers, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Nantucket, MA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Locust Grove, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-07

Bordersville, TX

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Mt Pisgah, IN

Credit decision / Underwriting

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Corinth, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Jax, MS

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: this is in response to Ocwens attorney filing XXXX XXXX, 2016 the Law firm of XXXX with attorney XXXX XXXX XXXX who gloated to this Bureau in re to the XXXX Courts decision, what she wholly failed to mention was my Motion to Stay Proceedings ( see attachment below filed XXXX XXXX, 2016 ) in which the Court failed to rule, also my acknowledgment that my complaint was filed in a court that did not have jurisdiction XXXX XXXX XXXX XXXX, XXXX, XXXX " XXXX XXXX XXXX XXXX shall be the monitor and shall have the authorities and perform duties described in the enforcement terms. '' XXXX XXXX further gloated in re to the wrong cease and desist letter filed by me, in which she has the correct copy within her file when I filed my complaint as an exhibit which I mistakenly filed ( which I have attached the correct copy to this responsive complaint ). knowing she had the correct cease and desist letter and claiming to this bureau she did not have is genuinely dishonest as a practicing attorney should raise serious ethical issues with this Bureau. also on a number of occasions she stated in fact, " I am unable to find evidence that Ocwen failed to comply this was a very self-serving statement, of course she would n't find evidence, she is the attorney representing Ocwen and hired to side-step the consent judgment, which stated " within 15 days of the effective date of this consent Judgment the plaintiff, shall designate an administration and monitor all aspects of the consent judgment and the monitoring of compliance with it by defendants ( Ocwen ). ''!!!, in which they did in fact appoint XXXX XXXX XXXX XXXX XXXX and so XXXX XXXX was never appointed monitor of the consent judgment what she sees or did n't see is irrelevant as a matter of law because she has unclean-hands which is self-serving. further stated, " the XXXX XXXX XXXX retains jurisdiction for the duration of the consent judgment to enforce its terms, the consent judgment can only be modified by order of the XXXX XXXX XXXX. '' also, " the court shall retain jurisdiction for purposes of enforcing or remedying any outstanding violations that are identified in the final monitor report and that have occurred but not cured during the term. '' Exhibits page XXXX of the consent judgment XXXX states " The SPOC ( Specific Person of Contact ) shall, at a minimum, provide the following services to borrowers ; a. Contact borrower and introduce him/herself as the borrower 's SPOC ; b. Explain the programs for which the borrower is eligible ; c. Explain the requirements of the programs for which the borrower is eligible ; d. Explain program documentation requirements ; e. Provide basic information about the status of borrower 's account, including pending loan modification applications, other loss mitigation alternatives, and foreclosure activity ; f. Notify borrower of missing documents and provide an address or electronic means for submission of documents by borrower in order to complete the loan modification application ; g. Communicate Servicer 's decision regarding loan modification application and other loss mitigation alternatives to borrower ( in writing ) ; h. Assist the borrower in pursuing alternative non-foreclosure options upon denial of a loan modification ; i. If a loan modification is approved, call borrower to explain the program ; j. Provide information regarding credit counseling where necessary ; k. Help to clear for borrower any internal processing requirements. 5. The SPOC shall remain assigned to borrower 's account and available to borrower until such time as Servicer determines in good faith that all loss mitigation options have been exhausted, borrower 's account becomes current or, in the case the borrower in bankruptcy, the borrower has exhausted all loss mitigation options for which the borrower is potentially eligible and has applied '' Ocwen never ever complied
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-07

West Brandywine, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a mortgage with Ocwen. I have made my payments consistently on time. On XX/XX/XXXX I made a payment to Ocwen in the amount of {$2500.00} for the month of XX/XX/XXXX. The XXXX, Ocwen reported me to credit bureaus for being 30 days late for XXXX, even though they received {$2500.00} on the XXXX. Rather than applying my payment to my principle and interest, they HELD the funds and did not apply the funds because escrow amount was increased and I was short a few dollars. So they HELD {$2500.00} of my funds and reported me as 30 days late in making my payment when in fact that was False. I have a healthy balance in escrow and I was not short there either. My credit rating has sunk because of their practice to hold my funds and not apply them to my mortgage. They have been unwilling to help me clearing up my credit report because of them HOLDING my funds, even though I have been and remain current in my payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-06

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-05

Fort Lauderdale, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: No Timely Response

2016-11-05

Sebring, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We are homeowner with a mortgage serviced by Ocwen. I am a Veteran and retired from XXXX with nearly 14 years in. My story is two-fold, 1.Making payments-Loan servicing, payments, escrow accounts 2.Problems when you are unable to pay-Loan modification, foreclosure Ocwen purchased our loan from another mortgagor. At that time they constantly said our full monthly payment was short bc of fees the previous company took and so Ocwen kept taking our monthly payment and applying it to fees instead of the principal payment and told us we only made a partial payment when we would MAKE NUMEROUS calls to someone in XXXX. This cycle continued on a monthly bases without any warning that we were being set up for a foreclosure scam with XXXX of other home owners. They also had a monthly fee for coming by the house and telling us we did not live there. The kicker here was that Ocwen would never give you their email address and then tell you that they never received the fax from you with the number Ocwen would provide. THE FOLLOWING PRACTICES WERE CONDUCTED BY OCWEN SERVICING OUR LOAN. 1.Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; 2. Charging unauthorized fees for default-related services ; 3. Proving false or misleading information to borrowers regarding loans that had been transferred from other servicers. I also went on the Ocwen website and there was a contradiction that showed payments were made in full and not late, so I printed those out. But after I tried to get a credit check to refinance the house, Ocwen then removed the payment history and changed all the information to delinquent on the website and on the credit history. This so discouraged us that when we saw what they did to my credit score and the mortgage rate we were offered we quit and were XXXX. It effected my wife XXXX and I could n't do anything to fix it. Ocwen tried to push us into foreclosure by XXXX XXXX. Took advantage of us with servicing shortcuts and unauthorized fees. Deceived us about foreclosure alternatives and improperly denied loan modifications. Engaged in illegal foreclosure practices. This lead to foreclosure talks and us fighting to keep our house by get up to date on our payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Charlotte, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response