OCWEN FINANCIAL CORPORATION

2016-10-27

Bakersfield, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Kennesaw, GA

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-10-27

Strasburg, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Roseville, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-27

Pasadena, CA

Settlement process and costs

Mortgage: Other mortgage

Complaint: OCWEN purported having foreclosed on account number XXXX, property address XXXX XXXX XXXX, XXXX, California XXXX. XXXX and XXXX XXXX is with information that an payment were made to OCWEN by XXXX XXXX, attorney after the sale of the property at a trustee sale, however OCWEN has not confirmed the payment were received. Please confirm : 1 ) that a trustee sale were conducted by XXXX XXXX on behalf of the beneficiary OCWEN. 2 ) that a " pay off '' were made to OCWEN by XXXX XXXX satisfying the debt. Submit a letter stating a " pay off '' were made.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-27

Elmwood Park, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I paid my mortgage with a personal check to OCWEN on XXXX/XXXX/2016 for my mortgage. It took them 12 days to cash the check. The check was cashed on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a statement stating that I am past due. I am not past due. I called them today XXXX/XXXX/2016 and spoke to XXXX, relationship manager, and she confirmed I am not past due and she has NO IDEA why they sent me this notice dated 5 days after my payment stating I am past due. I would like to have a corrected mortgage statement. Someone is making errors at the bank on my mortgage.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Ashland, KY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have a property I can no longer afford, I 've been working with my lender in trying to give back ( deed in lieu ) or short sale, at the same time I was served with papers in seeking a REM judgement against me for the property. I have no way to pay for an attorney to review my case & move forward. I 've been so stressed & confused due to the bombardment of request from my lender, I 'm not sure if they know what they 're doing, cause I 'm lost. note : we did have to file bankruptcy before on this property once before, discharged XXXX also, due to the mortgage crisis, Mortgage Settlement, we were not offered a loan modification after receiving a settlement check, not sure even if we were at that time.
Company Response: Closed

Disputed: No Timely Response

2016-10-27

Vineland, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Our mortgage thru Ocwen matures XX/XX/2016, Loan # XXXX XXXX. I went to their website secured sign on and got a payoff quote valid thru XX/XX/2016. I then called Ocwen about how to submit payment as I bank with XXXX XXXX and that is also their bank. I could simply go on line to payoff loan. However, I was told it had to be paid either by certified funds via overnight mail or their preferred method by bank wire transfer. My wife then called Ocwen and was told the same thing. I went to XXXX XXXX to make wire transfer and my personal banker thought the wire transfer was inappropriate as both accounts were with XXXX XXXX. Her idea was a direct deposit from my account to Ocwen. She also called Ocwen and was told that was not acceptable, that only wire transfer or certified funds were allowed. So we submitted the wire transfer, which had a {$30.00} fee. She noticed an unusual entry upon doing the wire transfer and called her supervisor for clarification. Ocwen actually has a stop on allowing direct deposit transfers. My complaint is simply paying a wire fee is an unneeded expense and additional waste of time. I feel this an added burden imposed by mortgage companies. Ocwen also does n't accept emails, as I wanted to contact them about this problem. Finally, their customer service is apparently outsourced to XXXX and understanding their operators can be very difficult. Thank You : XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Okc, OK

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: Well I will start with my original loan amount was {$100000.00} now XXXX XXXX has my loan balance at almost {$150000.00} with their fees and such included which first issue is those fees should not have been add it to my account such as the sheriff 's fee and any fee associated with the home being in the Sheriff 's sale or foreclosed because a modification was pre-approved and then payments were made but XXXX XXXX forgot to cancel the sale and the home sold at the Foreclosure Sheriff 's auction I was unaware of this until 3 months into making my modification payments the sheriff came to my door and serve me papers telling me I had 5 days to vacate the property after days taken off of work and countless hours on the phone XXXX XXXX assured me they would have the same reversed but those fees were still added to my loan. Secondly the county assessor 's office which is XXXX County assessors shows that there was a sale to XXXX XXXX from myself for the {$0.00} amount and until recently the property was showing and XXXX XXXX 's name so when filing for my taxes it made it very challenging because they had not corrected the assessors information or the title filing for my property and it showed them as a homeowner it took me almost a year to get that corrected several phone calls to XXXX XXXX several phone calls to the county several emails until I got this matter resolved but that is the only thing that has been resolved. my modification payments agreed upon were {$680.00} I had that amount put into a separate account and those payments Auto drafted monthly from that account monthly pmts made with no problem for well over a year then in XX/XX/XXXX they attempted to pull {$300.00} more than what my original agreed XXXX.I contacted XXXX XXXX in regards to this and they explained to me it was due to my escrow being in the negative {$7000.00} I explained to them just a few weeks previous I received a check from XXXX XXXX because of an escrow analysis showing I have an overage now XXXX XXXX has my escrow in the XXXX just weeks later??? Previous to this increase in my modification payments only 2 months into my modification I received a eviction notice from XXXX XXXX XXXX stating my home was sold in the sheriff sale an absolute confusion and panic I contacted both XXXX XXXX and the county attorney that roll up the eviction to inquire as to why I have been making modification payments and my property what sold at the auction I was advised XXXX XXXX neglected to cancel or withdrawal the property in the sale which in turn call the XXXX County assessors to list XXXX XXXX as the property owner that issue took me countless emails phone calls to both County and XXXX XXXX to get corrected now a year later it is back in my name but still shows record of the sale to XXXX XXXX. During XX/XX/XXXX when they attempted to pull the {$300.00} additional in payments I did not deposit that amount of funds into that account so that payment was declined I contacted XXXX XXXX and quiring to the increase they advised me it was due to Escrow so I got a print out of the transaction history since 2013 and had countless unexplained escrow adjustments besides property taxes and homeowners insurance I have sense called many times spoke to many people sent many e-mails even faxed in letters requesting escrow to be reanalyzed due to huge discrepancies in the amounts and the fluctuation from a XXXX balance to a negative {$17000.00} balance to a {$2000.00} balance to a {$15000.00} balance and the fact that XXXX amounts in one year we 're paid for homeowners insurance which clearly is incorrect I have to this day still not received a response and explanation of Corrections and now they are requesting my payments to go up to almost {$900.00} instead of the XXXX agreed upon which has in turn cause my house payment to be delinquent again and when I paid bill pay over {$1800.00} it took 45 days for
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Holladay, UT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Scottsdale, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Belleville, KS

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Buffalo, MN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Ft Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-26

Glenarden, MD

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

MA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: My mother-in-law is in the process of selling her house. In 1999, Option One Mortgage had erroneously discharged a loan that they had already assigned away to XXXX, acting as Trustee for XXXX XXXX. I have been attempting to get a new discharge for over a month so she can complete the sale of her property and have been unable to. XXXX claims that Ocwen services that loan for them and Ocwen claims they do not - both sides have been claiming the other is responsible for the loan for a month straight. I am sick of tired of this and my mother-in-law is unable to pay rent at her new apartment or pay the movers or afford regular expenses while this title issue is ongoing.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Rochester, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/2016 at which time I requested affirmation paperwork from OCWEN my mortgage holder. The week after my filing, OCWEN stopped reporting my payment and reported my account was delinquent. My account has never been delinquent as shown in the attached documents from the OCWEN website. I file a complaint with XXXX and XXXX and OCWEN has refused to update my credit record to show that the account was current. On XXXX/XXXX/2016 OCWEN finally sent the affirmation paperwork to my lawyer, on XXXX/XXXX/16 I signed the affirmation paperwork and my lawyer submitted. Today XXXX/XXXX/2016 I was notified that XXXX that per OCWEN ( see attached ) that my account went delinquent on XXXX/XXXX/2016 and there has been no payments since then. I am asking for your help to get OCWEN to report my payments and account status accurately. ( never late and current )
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Gloucester City, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This is the third year in a row that I 've had to contact Consumer Financial Protection Bureau regarding my mortgage company, Ocwen Loan Servicing , LLC . I 've spent hours on the phone over the past month with Ocwen and have spoken with no less than XXXX representatives between their " customer care dept '' and their insurance dept. Every year my husband and I have to provide proof of our flood policy for our condominium. We do n't escrow for taxes and insurance, we pay our own taxes and the insurance is paid through our condo association. Ocwen is trying to collect monies from us for lender placed flood. The biggest and most concerning issue is each time I 've called Ocwen over the past 4 weeks, they 've changed their story about what they 're asking for. My first call on XXXX/XXXX/XXXX was because Ocwen added {$460.00} in escrow to our mortgage statement. I spoke with XXXX, agent # XXXX, in customer care, she pulled the insurance dept into the call and got XXXX on the line who told me they required unit XXXX flood on the property. I informed her that the XXXX master policy, by laws and original mortgage note with GMAC did not require an XXXX therefore Ocwen could n't just decide they require it. The customer care rep, XXXX verified the original GMAC Mortgage note did n't require it and Ocwen has to abide by that. I called back again on XXXX/XXXX/XXXX and spoke with XXXX, agent # XXXX and XXXX in the insurance dept. I explained my call a week prior and XXXX told me she did n't see ANYTHING about an XXXX policy requirement and that Ocwen placed the lender placed flood because they did n't have the flood declarations page from XXXX ( which is the 12 month period our policy runs ). I asked her why Ocwen was just getting around to escrowing for it in XXXX XXXX and she could n't explain it. I took a picture of the requested XXXX page, and loaded it onto their website www.mycoverageinfo.com. XXXX called me back an hour later and left me a voicemail, which I have, that states she received the requested XXXX page and would request the escrow be removed from my account. I called a third time on XXXX/XXXX/XXXX and spoke with agent # XXXX ( could n't understand his name ) and he proceeded to tell me the issue was they did n't have proof of flood from XXXX XXXX/XXXX/XXXX, which does n't make sense because 1. ) my policy runs XXXX XXXX to XXXX XXXX, and 2. ) I have a voicemail acknowledging receipt of XXXX page XXXX ... does n't XXXX XXXX, XXXX fall within that time frame?! and 3. ) why did they add the escrow to our account XXXX XXXX if they placed lender placed flood in XXXX XXXX??!!!! He transferred me to XXXX in insurance and she did n't show ANYTHING about XXXX. I made my XXXX call to Ocwen insurance on XXXX/XXXX/XXXX and spoke with XXXX XXXX and she confirmed a refund was issued on XXXX/XXXX/XXXX, but did n't know the amount. I made me XXXX and final call to Ocwen today, XXXX/XXXX/XXXX, spoke with XXXX, agent # XXXX, he told me the account was past due, which it is n't and proceeded to tell me I owe for the amount of the lender placed flood from XXXX, I asked for a supervisor because I have no patience for stupidity anymore. He transferred me to XXXX, agent # XXXX, she again told me I owed for the amount of money Ocwen paid out for lender placed flood for XXXX. I informed her that it is n't my problem if Ocwen ca n't process a XXXX page the first time they got it back in XXXX XXXX AND if they 're too incompetent to realize the XXXX page policy is for XXXX XXXX/XXXX/XXXX and XXXX falls within that year. The XXXX XXXX page was sent to them timely and probably sent another 5 times to be sure they 've received it due to their incompetence. I ended my call by telling supervisor XXXX that I would be contacting Consumer Financial Protection Bureau. I 'm done wasting my time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-26

Newnan, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: We have a XXXX and XXXX mortgage with Ocwen. The ARM changed in XXXX. I c kept calling to find out the new rate, but was never told the amount would increase an additional {$410.00} which is an amount now applied to principal. My husband took a new job where we are paid on the XXXX. We have a SS check that hits on the XXXX of the month. I called Ocwen to have our second mortgage gate changed to the XXXX. of the month, but was told that, they could not change the due date of our XXXX mortgage ; I would have to get a new mortgage. Our XXXX mortgage has been late five months in a row. Late charges keep adding on. What recourse do I have? Ocwen refuses to help me by changing the due date to the XXXX on our XXXX mortgage, which is at almost 15 % interest rate and only {$22.00} is applied to principle. I got caught in the XXXX scam. Account # XXXX Please let me know if you can advise or help me. Many thanks, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Seneca, SC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: bogus charges added to payoff. my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-26

Piscataway, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Jacksonville, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: My name is XXXX XXXX XXXX, a United States Citizens, XXXX born, and I purchased a piece of real estate in XXXX, Florida on or about XXXX that is located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. The Subject Property is zoned Commercial and I spent over {$300000.00} in constructions, that including enlargement of the structure, the facade, the parking lot, the roof, counter top, a new kitchen to make it a XXXX. Upon completion, after exhausting all my personal financing, I still needed to buy equipment, such as stove, ovens, furniture, walk-in freezers etc. I offered the Property as collateral to Ocwen Mortgage Servicing who also did a wrap-around with my Personal Residence and offered me sub-prime financing in the amount of {$200000.00} on or about XXXX. The Market crashed and the XXXX did not performed sufficiently to pay the Mortgage. XXXX XXXX XXXX, the Investing Bank foreclosed on XXXX XXXX, XXXX and XXXX also an Investor for Ocwen Mortgage Servicing, purchased the Property on XXXX XXXX. THE PROPERTY WAS SEIZED AND SEALED- OFF ON XXXX XXXX TO PREVENT MY ACCESS AND I COULD NOT RETRIEVE PERSONAL, AND BUSINESS DOCUMENTATIONS. We provided buyers to Ocwen Mortgage Servicing to cure the Mortgage, and successfully negotiated the removal of my Primary Residence from the wrap-around so that I could sell it and cure the default. I paid Ocwen Mortgage Servicing a sum of over {$100000.00} and the property was sold by XXXX for {$170000.00} on XXXX XXXX to XXXX XXXX. Now comes Ocwen Mortgage Servicing and provided the Internal Revenue Service with a XXXX for {$200000.00} as a discharged debt in which the Internal Revenue Service is demanding a whopping {$62000.00} that includes {$52000.00} of earned income as a result of the discharge plus interest and penalties. I have on numerous occasions requested an historical profile of my payments, but to date Ocwen Loan Servicing have steadfastly refused. NO ONE OF THE PARTIES INVOLVED WILL PROVIDE ME WITH THE FILES I LEFT IN THE STORE SO THAT I CAN PROVE MY CASE WITH THE IRS!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Kansas City, KS

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

New Port Richey, FL

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-25

Gwynedd, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response