OCWEN FINANCIAL CORPORATION

2016-07-28

Hinkley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Ocwen Bank foreclosed on my home in California. I applied 48 times for a modification, via certified mail. I have been in the XXXX XXXX 24 years and I got out of the Military in XX/XX/XXXX. Ocwen is evicting me on XXXX XXXX XXXX. Can you please help me? I know they never processed any of my paperwork properly. They are taking advantage, I have nowhere to go.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Freeport, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2016-07-27

Coral, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Royal Palm Beach, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Kyle, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Occoquan, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

San Gabriel, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: I am one of the owners of a house in foreclosure located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I am a homemaker and wife of a XXXX Veteran who abandoned the property and thus left me with no means by which to sell off the house. The house went into foreclosure and I moved into my mothers home with my children. The mortgage company Ocwen has pursued me because my husband did not have an address of contact until the past year. Despite attempts to have them seek him out, since the mortgage is a VA Loan and he would be able to make arrangements through the VA to put the house up for sale or refinance at a lower rate to make payments, they still today call my mothers home phone number day and night, weekends and otherwise. We have even been disrupted during our sacred holidays. They have harrassed myself, my family and my neighbors. Just when you think that it was finally over, today in my mothers driveway lay mortgage paperwork, uncovered and opened with all of mine and my husbands personal information for anyone on the street to see : our ss # 's, dates of birth, etc. Who does that? Why wo n't they send my husband notification to go through the VA? XXXX XXXX XXXX resides at XXXX Twisted XXXX XXXX, XXXX, North Carolina, XXXX. The attorney firm that did this is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX : XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Fax # XXXX File # XXXX, for Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX I would ask the FTC to please intercede on my behalf and ask these people to stop the harrassment, I am a homemaker, with no income, my husband is retired and receives a pension from the military, and homeland security. They should be seeking him out to look for closure to this foreclosure as this is a VA matter, and I can not intercede and do anything to rectify this situation, and yet time and again, they turn a blind eye and refuse to look any further then myself living at my mothers residence, How dare they share my personal information with on my mothers driveway at her property address with her neighbors, strangers and passerbys!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Flushing, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

PA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: After a series of unfortunate events ( XXXX and put me out of work, separated from my ex wife, property damaged by flooding not covered by insurance, loss of job ) that all occurred within 1 year, I was no longer able to afford the mortgage payments on my house and I went into foreclosure. After securing a well paying job two years later, I applied for a loan modification and was denied. When I asked Ocwen about what options were available to me, they told me that I could apply for a deed in lieu of foreclosure or do a short sale on the property. They told me that then deed in lieu of foreclosure option takes around 90 business days so I chose to pursue that option. I filled out the application in XXXX of XXXX. In XXXX of XXXX I signed an agreement to the deed in lieu of foreclosure and as of today, XXXX XXXX, XXXX the deed in lieu is still incomplete. Every time I call them for an update, they give me excuses as to why the deed in lieu is n't complete. At first they told me that it was hung up in legal. They used that excuse for several months. Then they said that there was a problem with the title. Then they were telling me that the VA was making it take forever. Now they 're saying that there is a lien from XXXX XXXX. In XXXX of XXXX, I became fed up with their excuses and decided to conduct a short sale so that I could be done with the house finally. I was notified by a real estate agent that I could n't sell the property because I did n't own it as of XXXX XXXX. Apparently they took possession of the property in XXXX XXXX and nobody that I spoke with at Ocwen knew it. If Ocwen would have been honest with me in XXXX of XXXX and told me how long it takes to complete a deed in lieu of foreclosure, I would have just sold the property right then.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Atlanta, GA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX. In XXXX I obtained, what i know now as, a sub-prime loan, from a predatory mortgage company, XXXX. I had an adjustable rate mortgage, based on the XXXX. During the last XXXX or 3 years, the news revealed that XXXX banks connected with the XXXX had manipulated the market in favor of themselves ; to the detriment of consumers. So, not only was I a victim of my own country 's predatory lending practices, I was also a victim of the XXXX XXXX My margin was XXXX and the floor was 9.90 % .. I did n't understand then, but I do understand now, how much of a financial disaster those terms were. Regardless of climate, or payment history, my rate would NEVER go below 9.90 %. I have never been 30 days late. I have always paid a little extra in my payment, with the hope of reducing my principle balance to the point that i would be paid in full, prior to the 30 years maturity. In XXXX, I was a victim again, as so many others were, of the economy. My employment dried up, the equity in my home, that had been growing no longer existed. From XXXX until now, i have been out of work for XXXX or 3 years total. I have used every dime in savings to keep my mortgage payment current. When my loan was transferred to OCWEN, i tried to get a refinance or modification or something. I was told i could only be helped if i was in default and they could work out some kind of disastrous deferred payment plan. There plan scared me so badly -- i knew that I would have never been able to dig out of that hole. Their customer service reps were all deficient in the English language and had no empathy in trying to help a person get through those horrible financial times. The interest rate began to drop finally and significantly to below 5 % for a fixed rate -- and there I was still paying 9.90 % ... never once was I able to take advantage of the rates that were being offered to help people stay in their homes. Never offered XXXX or XXXX My mortgage company was biased toward foreclosure! Especially because I have an address in XXXX that was more poised to economic recovery, than some of the other neighborhoods. I was finally granted a modification from Ocwen in XXXX - my rate went down to 3.750 % - ( fixed rate ), BUT -- I have an {$85000.00} balloon payment due at maturity!!!! I will be XXXX XXXX XXXX at maturity. I have always paid my mortgage on time ; I have paid a rate of 9.90 % for years when the rate was less than 5 % in the market. I have always paid a little extra on my principle -- - I will never, EVER, be finished paying this horrible mortgage!!! should i have walked away, and sent them the keys, as so many other consumers have done!!??? This company has made a fortune on me and so many others!! Where will i work at age XXXX -- I can barely find work at age XXXX ( now )!! This {$85000.00} is a false number -- I should have never signed a note with a 9.90 % floor -- but they convinced me that i had the best rate in the world!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-27

Federal Way, WA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

San Gabriel, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Ocwen Loan Servicing is committing fraud against me. XXXX XXXX Sheriff Case Number : XXXX See evidence attached. /// ///
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Cordova, TN

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Orion Twp, MI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-26

Adelanto, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-26

Lockport, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Atlanta, GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My Servicer is OCWEN. I wish to stop a scheduled foreclosure on XXXX XXXX, 2016, for a variety of reasons caused by NATURAL AND MAN-MADE DISASTERS that have occurred to the home. There are other legal reasons but in this complaint I wish to address the natural and man-made disasters that have occurred to the property within the last 60 days and request a moratorium on foreclosure for 90 days, due to the extensive damage to the home, investigation of the man-made problems, determination of the costs to repair or reconstruct the home, analysis of the environmental issues that have arisen, insurance, costs, time to attempt to finalize a buyout/loan mod which has been sent to OCWEN, but prior to the disasters, and if the home can be repaired or should be condemned. ( 1 ) There have been severe thunderstorms and tornadoes in Georgia and XXXX over the last 60 days. Lightening has hit the home three times in the different storms, creating XXXX holes in the house ; XXXX in the roof and XXXX on the side of the house near the roof. These strikes and holes caused extensive damage and fire to the roof area, then allowed significant flooding of the top floors as the rainwater worked its way down the inside walls of the house to XXXX different floors and spreading through the subfloors causing damage to numerous rooms, sheetrock, cracked ceilings, and substantial XXXX mold now growing inside and outside the sheetrock on XXXX floors. ( 2 ) The lightening also knocked out the central HVAC, frying the outside units and wiring, and the water that flooded into the house filled and flowed through the duct system leaking all over the house and collapsing the air ducts. The lightening and storms also knocked out the house generator, power was lost, and XXXX third of the electrical circuitry was fried so that no electricity is available for a third of the house. ( 3 ) XXXX sewer and water issues have caused proplems throughout this older area of town causing sewer main collapses, sink holes and environmental issues affecting the soil and the water supply. The area has been under a mandatory boil water warning due to the sewer contents affecting the water supply. The extent of the environminetal damage underneath the house and in the back yard and beyond has not been determined due to the digging necessary and required repairs or reconstruction. The sink holes in the area and on the property are generally due to collapse of the sewer system which is XXXX XXXX XXXX terra cotta construction and a number of collapses have occurred in yards, underneath houses and parts of the neighborhood streets and sidewalks have fallen into sinkholes caused by the failure of the water and sewer infrastructure. ( 4 ) The sinkholes have appeared on this property in the front yard, sides of the house, under wooden decks, under the main part of the house, at the pool deck and pool in a general line from the street along the side of the house by the pool and into the ravine behind the house most likely due to either a collapsed sewer or broken water lines from deterioration of the soil underneath the yards, streets and structures. ( 5 ) The sinkholes and shifting earth have severely cracked the foundation of the house, and the results have been flooding of the lower floor with water flooding the entire floor, ruining the carpet, and ruining anything the water touches every time it rains. The foundation cracking plus the water/sewer problems have disrupted the plumbing in the house, broken water lines inside the house, and caused half the toilets in the house to cease functioning. It has also affected the water pressure significantly. ( 6 ) Worse yet the cracked foundation has allowed pests to enter the basement through the cracks in the floor and walls. The pests so far include snakes, especially copperheads, ants, roaches, spiders ; continued below.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Robertsdale, AL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Houston, TX

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Atl, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-26

Greensboro, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I called into my mortgage servicing company Ocwen Loan Service LLC as I usually do on my Friday ( my payday ) or Monday ( if there is carryover ) to pay the monthly amount due. I admit to behind on my payments, but pay the set amount monthly amount as to avoid foreclosure. I go through the automated system to avoid their incompetence, rudeness and lengthy processes which can easily eat up my entire lunch break. On Friday XXXX XXXX I made my monthly payment of {$600.00}. Not only did Ocwen drag their feet with processing that payment but 4 days later on Tuesday XXXX XXXX, they went into my account and withdrew additional funds WITHOUT my consent! I found this out when I made this month 's payment of {$600.00} and found an anonomous charge mentioned on their automated payment history breakdown. I called the company and inquired and was told that Ocwen took this amount out for an inspection charge where they have someone come by my property and make sure I am still a resident. Ocwen has a policy that before any late fees or additional charges accumulated can be paid off the initial back payments of monthly mortgage amounts due must be paid off first! Any amount that exceeds the {$600.00} will be held in " limbo '' and applied AFTER the back payments are made and not applied to the debt itself. Therefore Ocwen VIOLATED IT 'S OWN COMPANY POLICY! There is NOTHING on their website or paperwork stating that they can just pull money from my account for this purpose. I NEVER gave them authorization to pull this amount from my account! I RECORD EVER CALL I MAKE TO OCWEN WHETHER IT BE WITH A REPRESENTATIVE OR WHEN GOING THROUGH THE AUTOMATED SYSTEM MAKING PAYMENTS! I ARCHIVE ALL THESE MESSAGES. Ocwen WILL HAVE NO PHONE CALL on XXXX XXXX from me AT ALL! They went into my account ILLEGALLY! I have evidence NOT just of this but I caught them in past lies and the representative was warned and hung up on me when I revealed that they had lied! The amount was small but it 's the principle I am more than willing to FIGHT FOR! I alerted them yesterday that I will be filing a complaint and that I RECORD ALL THEIR EXCHANGES!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Coram, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Hello, So in regards to complaint number # XXXX and # XXXX we still have n't heard form our relationship manage XXXX XXXX from Ocwen Mortgage Co. and still have n't resolved the issue that THEY, OCWEN XXXX up our escrow in XXXX of 2015 by not including the hazard insurance. I have received this letter pertaining to the agreements for our HAMP program and loan modification denial by the so called " investor '' whom which either Ocwen or the " investor ' is constantly sending us paperwork stating or loan is overdue and will proceed to foreclose. Also constant inspector fees of people driving past our home, why do we yet again have to pay for that? We are making our payments and including the late fees but yet still receiving threatening letters regarding losing our home? {$1500.00} is too much to be paying for their mistake!! When is someone going to take action for Ocwen constantly trying to push people out of there homes? The one who did the escrow analysis last year should pay for the mistake, not us the homeowners. There was a difference in taxes from XXXX, only {$65.00}??? Also the hazard from last year to this is XXXX {$1000.00} this year {$700.00} a difference of {$380.00}, so why are we short all the time, {$2800.00} to be exact, every year plus with their outstanding cushion amount, which where does that cushion actually go?? Ocwen over estimates causing homeowners to struggle and lose their homes. Fix your mistake!!
Company Response: Closed with explanation

Disputed: No Timely Response