OCWEN FINANCIAL CORPORATION

2016-09-16

Kennesaw, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

MD

Improper contact or sharing of info

Debt collection: Mortgage

Talked to a third party about my debt
Complaint: THIS COMPLAINT FOCUS ON DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see attached files
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

MA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: During the financial crisis of 2008 I ran into problems and applied for a loan modification. I was accepted and received a lower rate for 5 years. After 5 years the rate increased by 1 % point per year. During those 5 years I never missed a payment. Each payment was on time. The increase of 1 % point per year has turned into a problem. The problem is that when I go to refinance no lender wants to touch the modified loan. I have been told that my situation is unusual in that I have made all the payments since the modification and lenders do not know what to do with the loan, therefore no one will bother refinancing me. I am at a crossroad an and looking for some guidance on what I may be able to do.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-16

Robertsdale, AL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a mortgage loan that was sold to ocwen, and had fallen behind on payments after some employment issues. Our current payment is approx. XXXX. We called in to ask for arrangements and were told to apply for a loan modification ; we declined and did not fill out paper work, but instead started sending in extra payments to pay down amount owed. We thought we had successfully done so by the beginning of XX/XX/2016 when our outstanding past due amount was approx. XXXX for XX/XX/2016 payment. We sent in XXXX which would have paid past due amount and left only a balance for the current payment month, which was also what the Ocwen website stated up until the first of XXXX. Needless to say that I was ecstatic to be over this hump and done with the nearly 20 calls per day by ocwen 's agents trying to push me into a loan modification or a huge lump sum payment. I was going to make another payment which would have paid my current month, leaving the past due nightmare behind us only to find via Ocwen 's webpage, that this company has reversed all of my payments since XX/XX/2016 ( approx. {$5100.00} ) and is now showing the mortgage in default, with payments owed starting at XX/XX/2016. I called Ocwen and they have no clue what is going on, the foreign sounding rep named XXXX, placed me on hold for 45 minutes only to tell me they have to send in an inquiry to their cashiering dept. to find out why this is being done and that I would have a response in approx. 7 business days, which would put us into the last week of XXXX. They do not know what happened, they do not know where my funds are ( they have not been returned to us ), they do not know how to fix it, but I am accruing fees and interest until they figure it out.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Cherry Hill, NJ

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Randolph, MA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Kailua Kona, HI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Botts, PA

Disclosure verification of debt

Debt collection: Mortgage

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Port Orchard, WA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Thompsons Station, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Made each monthly payment ; however did not get credit for six payments in XX/XX/XXXX and none in XX/XX/XXXX when I was sending in cashier checks by certified mail ... ... treat foreclosure from Ocwen ... Had an attorney that did not help only insisted on modification ... .now we are out major money, credit destroyed ... .Help needed what are the options?????
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Arvada, CO

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I tried to make my mortgage payment online but it would n't allow me to access any of the links. I tried calling to make my payment and it kept redirecting me to customer service which was closed. I have made all of my mortgage payments online until the above happened XXXX XXXX, XXXX. This is the second time in two years that my mortgage company has fraudulently tried to take my house from me. The first time was in XX/XX/XXXX. They always try to tell me I am behind on my mortgage 4 months but I am not. They come up with {$2500.00} in fees that never show up on my monthly statements. Last time they broke into my house and changed all the locks while I was out of town looking for work. The only replaced the locks and refused to repair the door. I was wondering if this is retaliation for a class action suit for forced insurance. I just want OCWEN to stop trying to steal my home under false pretense. I want to continue to make my payments online without interference from them. I missed XXXX mortgage payment so far XX/XX/XXXX so how can I be 4 months behind.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-15

Arco, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Case # XXXX - XXXX Case # XXXX - XXXX I have not gotten any written words on the one issue : Legal Standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-09-15

Clarkesville, GA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: account updated after request, but failed to remove : Dispute and Reinvestigation. These need to be removed due to the fact that XXXX will not approve a mortgage loan with pending disputes or investigations. I have requested this is of Ocwen, but no proof that they are willing to update account since mortgage loan was sold to XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I arrived to USA two years ago following the American dream and the reunification with my mother and my fianc. Months after my arrival my fianc got pregnant and having no place to live together we decide to search for a place to so. The rents were so expensive that my salary and lack of credit history at that moment was not enough to cover all the expenses and we thought it could be better to invest in a property. With the help of my uncle we subscribed to all existing governmental institutions as XXXX but purchasing through this institution was not possible since every time we found something according to our necessities and resource the bid was not sufficient. After expending months trying to purchase this way and having no luck I decided to purchase through the XXXX a foreclosure property. My uncle requested a home line of credit over his already full paid house, {$150000.00}. Finally with that money I was able to make the purchase for a XXXX home on XXXX XXXX. The house was in pretty bad conditions and needed a lot of fixing which I did my self with help from my family and friends at a cost of around {$50000.00}. On XXXX this year I tried to pay my property taxes and to my surprise they were already paid so I contact the payee and requested an explanation. They never came back to me with an answer but instead a few months after I received a visit from an individual advising me that the house would be foreclosed in a few days. I never received a notice or citation. My address and information was register at the county since I obtained a title certificate signed by the court. To my surprise I purchased a second loan. If the house was on the market for sale for few years and no one purchased why the first lender did waited for the second mortgage to foreclose. I would agree if there was a lien on the property for other matters but for a mortgage? I look at it as a bank scam. I have lived on the premises for a year and a half and after that time and after my claims to the property taxes payee is when the other lender wants to claim. Now the bank wants me to pay {$200000.00}. The house is not even worth that amount and if you add the {$200000.00} I already invested the total would have bought me a brand new home. The new constructions in the county could be only afforded by reach people then what is it left for the medium class families? I would like you to understand that I 'm not an investor that I purchased because my family needed a place to live. I do n't want to lose the house. I own my uncle {$150000.00}, that there are not affordable rents or constructions. That all is left are pure foreclosures and now I should pay for it {$400000.00}. I 'm a young person working and studding at the same time so as my fianc and doing our best to raise our daughter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-15

Church Point, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ocwen Loan Servicing is the most difficult company to communicate with I have ever had any dealings with. I email them and get no response. If you call and someone should answer you must make an appointment with a rep of the company to call you back in two or three weeks. If you manage to have the discussion with the ocwen rep you wo n't be able to understand a word of the conversation because they barely speak english. That is absurd. What does it take to get a simple answer to simple questions. It is as though they do not care nor do they want to be of any service to their customers. I did not choose them as my mortgage company my loan was apparently bought and sold a few times and they are what I wound up with. Terrible.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Lugoff, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Wann, OK

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Lacey, WA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed

Disputed: No Timely Response

2016-09-14

Lacey, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed

Disputed: No Timely Response

2016-09-14

Coachella, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-14

Plymouth, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Nyc, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Identity was stolen to purchase a home in Florida under my information. I found out after the fact with the bank and filed a police report. I have attempted various times to provided ocwen with the information they needed to stop harassing me about this debt. They claim the police report is not validate because it was not done within a year from the incident, again I was not aware of this home until years later. They are now contacting me at all hours of the day and constantly sending me statements and insurance information for a home that has been foreclosed. Please make them stop this harassment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Succasunna, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: The original amount of my mortgage loan through Ocwen Loan Servicing was {$250000.00} on XXXX/XXXX/XXXX. I modified my mortgage back in XXXX under the HAMP Program. In doing so, Ocwen increased my loan amount by {$49000.00} with a principle balloon payment of {$70000.00} that would be forgiven over a three year term -- my new loan amount was now {$270000.00} -- before the principle forgiveness. The time frame is now up -- the last principle reduction took place in XXXX. I recently requested to have my interest amount lowered and the documents indicated that I now owe {$260000.00} -- more than {$10000.00} more than my original loan amount of {$250000.00} and after more than 9 years of payments. They are adding the {$70000.00} principle forgiveness back into the balance. Of course they are very happy to lower my interest rate to 2 % at this point because I would be increasing my loan amount to more than I bought the home for. This is a total scam and I will not be taking their offer. I hope that they have not done this to others and someone should be held accountable for this.
Company Response: Closed with explanation

Disputed: Yes Timely Response