OCWEN FINANCIAL CORPORATION

2016-10-13

Bowie, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

El Paso, AR

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

OR

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am in danger of losing my house at foreclosure sale because my lender Ocwen has been switching us from one department to another, losing my paperwork and misleading me. I am behind on my mortgage, but our situation has stabilized and we now clearly make enough money to afford a fair mortgage payment. I was told by the Ocwen agents (when I could understand their XXXX) that I clearly qualified for modification help. But after nearly 3 years of trying to get reviewed and mailing in full packages to them on multiple occasions I am now facing a XX/XX/XXXX sale date. This property has been in my family for XXXX years, and I can not let it be foreclosed on!! I refinanced several years ago and found out later that this adjustable rate loan that was sold as the best deal has a rate and payment that goes up constantly. My interest rate is currently at 6.625% and will soon be at 7.25%. I worked as a XXXX for over 25 years but began XXXX and was soon on a fixed income. The problem was that my mortgage payment was going up as well as the cost of living etc. I began struggling with the monthly mortgage payment and contacted Ocwen and was told that I could apply for help I just needed to fill out some paperwork and send in my financial information. After the documents were received I was told by the agents at Ocwen that I definitely qualified for help, with my fixed income and my wife's employment with the XXXX we fit into guidelines. However, we then went through two plus years of back and forth with Ocwen. We were never able to speak to the same person twice; there was not a single point of contact, and when we did get someone on the phone we usually could not understand them because they were working at a call center overseas. A few months ago we were told that we were being denied for any type of help and that we needed to sell or move out of our house. I am not shocked that this has occurred, because I have read that Ocwen has a history of misleading and lying to homeowners in foreclosure and in fact they were fined XXXX by the US government for these actions. I am here to tell you that this is still a problem. I want to save my home. I have researched the guidelines for the government modification programs and I am sure that we qualify, the problem is that Ocwen has not conducted an accurate or timely review (if they ever conducted a review at all) of our current financial circumstances.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Trenton, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

College Point, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Bedford, TX

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I paid off my mortgage loan with Ocwen Loan Servicing , LLC on XXXX XXXX, XXXX ; however, I have not yet received the lien release document. I first contacted Ocwen regarding the lien release document in XXXX XXXX. I was told it could take up to 6 months, depending on the county and state of record. I waited and made several calls during XXXX, receiving the same standard " it takes time. '' On XXXX XXXX, XXXX, I insisted that my call be escalated to a supervisor. I was told that according to notes on my account that my file had been forwarded to the legal department on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I was notified by XXXX ( XXXX ) that my case had been turned over to the Lien Release Department. Someone in Lien Release needed to work with XXXX XXXX, the company from which Ocwen purchased my mortgage loan. On XXXX XXXX, XXXX, I contacted Lien Release, requesting an update. On XXXX XXXX, XXXX, I was told that my file had been transferred to legal and it might be several months before the issue was resolved. I reminded the lien release rep that my file had already supposedly been forwarded to legal and that I had paid my loan off 21 months prior. I was not given any contact information for the legal department. As of XXXX XXXX, XXXX, I have received no update from legal or anyone else at Ocwen.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Wonder Lake, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Ocwen is our servicer for our loan. I fell behind a couple of months XX/XX/XXXX. I stayed in constant communication with them to try to modify or get caught up with my payments. They gave me a different amount to pay every time I spoke with someone and they even game my cousin who is an attorney a different amount than me within 10 minutes of calling them. Then XX/XX/XXXX, they called me and told me that I was approved for the modification. I agreed to send them 3 months of payments to show good faith. I even sent the payments via fed es on XX/XX/XXXX. That very same day, they claim that they served me with a summons to foreclose. I do not recall at all receiving that bc I would have been really taken a back considering I just sent them 3 months of payments per our agreement. Now, they are trying to push a sheriffs sake on the property all the while their customer service e dude is lying to me staying my property is absulutely not in foreclosure. I 've still been trying to work with them in the modification. I e never been denied but they keep stringing me along stating that they need different Infornation. I feel completely taken advantage of, they lied abs completely misled me all the while trying to sell my property while they tell me it 's not in foreclosure. Please help. XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Cordova, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was recently reinstated after Ocwen Servicing wrongfully foreclosed on my property during the processing of my modification request. Ocwen rescinded the foreclosure and reinstated the deed. Recently I received a mortgage statement it reflected a substitute deed recording charge, sheriff fees, Lender placed Insurance fee. These charges have been included in my next month mortgage payment. My house was wrongfully foreclosed. Please request Ocwen remove the fees associated with the foreclosure.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Key Biscayne, FL

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Great day to whomever is reading this ... .. I am sorry I have to ask to be protected by law but it seems I have no choice, can you help? I would like to request the Laws to be enforced on my " Borrowers Right to Cancel '' and the Law Regulation X. this final rule implements Dodd-Frank Act sections addressing servicers ' obligations to correct errors asserted by mortgage loan borrowers ; to provide certain information requested by such borrowers ; and to provide 1 Public Law 111-203, 124 Stat. 1376 ( XX/XX/XXXX ). protections to such borrowers in connection with force-placed insurance. The lender manages my taxes, and insurance in escrow and it shows in the lenders escrow that they paid for the regular billed insurance and then forced placed others at the same time I had insurance, so I had insurance paid by lender when the forced placed insurance fraud and the refunds were never refunded in my escrow. I have all org. copies of evidence to show that the mortgage added XXXX from XX/XX/XXXX to XX/XX/XXXX and I paid for XX/XX/XXXX insurance that the mortgage is charging me on their paper work the lender is suing me and will not show clear and understandable cost and refunds of the forced placed insurance from total breakdown of cost. Plus the evidence the lender is using was the cancellation of that contract and the lender is with holding evidence from the fax cover sheet that had the cancellation on it. The evidence is easy to get from a third party called XXXX and the info on the issue was faxed on XX/XX/XXXX and the fax cover shows the cancellation and the mod. agreement attached just as the law states. So my request is to have these laws enforced before trail. I am sorry I have to ask for this request but I you can see I had no choice. Just asking for XXXX things from the lender, show in writing that anyone can understand on dates, policy numbers, and cost, and the total paper work on how the lender got possession of the XX/XX/XXXX mod agreement meaning the fax cover sheet with withheld evidence. Thank you so much XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Arvada, CO

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: XX/XX/XXXX my then husband and I ended up foreclosing on our home. Our last payments made to the mortgage lenders was XX/XX/XXXX. Once we left the property we received nothing further from any of the Mortgage lenders. Credit reports pulled XX/XX/XXXX showed ALL mortgage accounts as 'closed '. I have these reports. XX/XX/XXXX, well past the Colorado statue of limitations ( 6 years ) I was being sued by XXXX, XXXX, Assignee of XXXX XXXX XXXX XXXX , XXXX. I disputed the claims and now have a Judgement on my credit! The original loan debt was for $ XXXX. The judgement is for $ XXXX!! I have been back and forth with XXXX XXXX whom have just informed me that this is NOT their case and that it is in fact GMAC. Whom purchased the loan from XXXX XXXX back in XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Glen Burnie, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Gloucester City, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Waynesburg, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Santa Ana, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-12

Everett, WA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-12

Granada Hills, CA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Bellmore, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: Yes Timely Response

2016-10-12

Chesterbrook, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2016-10-12

Grants Pass, OR

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Scottsdale, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ocwen Mortgage LLC got my mortgage loan from XXXX XXXX XXXX in XXXX. Since they have had the loan they have told me several things one my monthly mortgage payment ( XXXX vs less then XXXX ) is higher then the real amount. Then the escrow amount is high because I missed payment ( they have now knowledge that was incorrect. But still say I need to modify my loan because I am behind ) I have repeatedly asked how that can be and they still do n't known or answer the question. My mortgage has been 40 years at 3.625 % since XXXX which make my monthly payment just under {$800.00} and I have paid more than that very month so how can I be behind on the my mortgage. Also they want me to modify my mortgage to 40 years at 3.625 % which is the same as it is now for a monthly payment of {$790.00} which is what has always been.
Company Response: Closed

Disputed: No Timely Response

2016-10-12

Johnstown, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: My mom had an mortgage with Ocwen and she passed away in 2005. They told us that we were n't aloud back in the house and they would not let us know anything about the account. But they did a loan modification with my brother and they took his checks which they had cashed the same checks four or five times. They recently hit us with foreclosure papers. They charged us XXXX in interest. I applied for a loan modification in my name and they denied me. The loan was for XXXX in the beginning. But now they are saying that i need a total of XXXX. Every time I talk to someone they keep telling me that the documents they had me sign, they never got them. And I have to resend them over and over. The same thing happens when I call they keep giving me different answers to my questions. I can never get a straight answer from anyone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

IN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Crescent City, CA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Cranford, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response