OCWEN FINANCIAL CORPORATION
Consumer Complaints
There are over 28887 complaints on file for OCWEN FINANCIAL CORPORATION. Dated between 2019-12-16 and 2011-12-07.
Complaints Page 28
2019-08-14
Washington, DC
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: NOTICE OF DISPUTE OF VALIDITY OF DEBT PHH Mortgage Services XXXX XXXX XXXX Mr. XXXX, NJ XXXX XXXX XXXX, Relationship Manager XXXX RE : Loan # PHH MORTGAGE SERVICES CORPORATION C/O REGISTERED AGENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Ocwen Loan Servicing, LLC C/O Corporate Services Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX Consumer Protection Finance Bureau Washington, DC All : I dispute the debt.
1. PHH mailed me a letter on XX/XX/XXXX from XXXX XXXX. XXXX XXXX has never spoken with me, replied to any of my emails, answered any contact from PHH professionals, fairly and properly considered my request for mortgage assistance or timely done so by the Fair Debt Collection Practices Act or the Equal Credit Sportily Act. I recieved the XX/XX/XXXX letter XX/XX/XXXX.
2. Ocwen, the predecessor to PHH, promised me if I submitted a full mortgage assistance application in XX/XX/XXXX, that the mortgage amounts would be refigured for up to 24 months.
3. Neither Ocwen or PHH have executed on the representations made by Ocwen that I have informed them of fore more than 90 days.
4. Federal law required a Mortgage Holder to abate, forestall, and delay any foreclosure proceedings when an application for mortgage assistance is under review.
5. On XX/XX/XXXX, PHH sent a letter to me that it would take 10-15 days to process the request that it has had since XX/XX/XXXX. By federal law, if I disagree with eh assessment, I can appeal the ruling, and by a copy of this letter to the Consumer Protection Finance Bureau, I do so.
6. Contrary to the PHH XX/XX/XXXX letter, PHH denied my rights to get a final ruling and authorized an attorney to procced with foreclosure at least 2 days before, when XXXX XXXX XXXX sent me a letter on XX/XX/XXXX.
7. The XXXX law firm outlined a deceptive, false, misleading letter calculated to frighten and discourage resolution in the XX/XX/XXXX letter that the amount of the debt of {$250.00}, XXXX. The letter doesn't speak to or actually outline the payments due to bring the account current.
8.On XX/XX/XXXX, I received a XX/XX/XXXX letter from XXXX law firm. That letter outlined that I can pay the entire amount owed by OCGA 13-1-11 without paying attorney fees. The letter again is deficient and deceptive in that it doesn't indicate the amount owed to PHH as delinquent principal and interest.
For these reasons, I dispute the debt and challenge the validity of the foreclosure.
Company Response: Closed with explanation
2019-08-14
Gibsonia, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-13
Avondale, AZ
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-08-13
Chester, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Despite multiple requests, PHH has failed to provide the contact information for the investor of our loan. PHH has violated RESPA and continues to provide conflicting information around our request for assistance. We have been going through this process for almost two years. No one is hearing our side of the story.
Company Response: Closed with explanation
2019-08-13
Downey, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-08-13
Grapevine, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-13
Dallas, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This has been going on since the entire year of 2019 I would pay my mortgage the checks would be cashed but not applied to my account I have had to call PHH Ocwen Mortgage Company just so I can get my payments applied correctly I had to do all the legwork send them front and back copies of the checks if they can apply my payments correctly they're getting a bad mark on my credit report which I am trying to rebuild
Company Response: Closed with explanation
2019-08-13
San Anselmo, CA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: We received a letter dated XX/XX/2019 informing us that our mortgage servicing was transferred from Ocwen to PHH Mortgage. The letter informs us of our new method of accessing their website for information and tells us where to make our payments. The website when we try to access says it does not recognize our information. We tried to register as new users and got a message saying our information does not match any of their information and to call an 800 number. Called the number and they said they could not help us and that they would transfer us to another department, stayed on the line for 30 minutes and gave up. Called back and got the same " service '' rep and asked to be connected to a manager. She put me on hold and I waited another 45 minutes and gave up. We have received one delinquent notice, but have never received monthly billings like we did from Ocwen so we don't know the payment dates or the amounts due.
My wife tried their telephone help line and it didn't work no matter which option she tried. Both my wife and I have worked in the banking or financial fields for over 30 years. We have never seen service like this. Close this mortgage company down and assign their mortgages to a really mortgage company.
Company Response: Closed with explanation
2019-08-13
Columbia, WA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-08-13
Barry University, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-12
Occoquan, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: on XX/XX/2019 I submitted my loan modification package to OCWEN and they refused to help me. I resubmitted my loan modification package again on XX/XX/2019. After that I received a letter indication my loan was transferred to PHH Mortgage. On XX/XX/2019 I resubmitted my case by email and uploading my documents on the website that indicated the notice of lender transfer letter. I have received an email requesting more documents that I have submitted. After that I have received the foreclosure notice.
Reviewed the website and nobody reviewed the documents submitted. The law office sent by email my package and the indicated that they will not review it due the proximity of the foreclosure sale date.
Informed them that they have my document 2 month before the foreclosure, the relationship manager never attend the calls, and the home retention department doesn't have knowledge of the review status of a loan modification. Now they change ( again!!! ) the servicer 's name to XXXX. In addition the foreclosure attorneys never send us the foreclosure notice letter.
Company Response: Closed with explanation
2019-08-12
CO
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX of this year I filed a complaint about PHH mortgage company because of a situation that is either gross incompetence or an attempt to take advantage of my vulnerable situation as a new widow and force me into foreclosure. That complaint was never fully resolved, however it did get PHH to send me the paperwork they had been dragging their feet on ; paperwork to make a mortgage modification permanent. The paperwork was supposedly sent out in XXXX but I never received it and they refused to acknowledge my attempts to get the paperwork sent to me. I also received paperwork for a mortgage assumption which I am entitled to since my husband passed away. The paperwork was sent to me via XXXX with instructions for completing and returning it. I signed and returned it on XX/XX/XXXX via XXXX per the instructions. I have confirmation that the paperwork was received by PHH from the tracking information provided by ups. However, I never received any follow up or confirmation that the paperwork was received from PHH. I sent several emails in XXXX requesting information on where to send my payments since my online account is inaccurate and the payment feature disabled. I didnt get any response. I sent my XXXX payment to an address I obtained from their website, but I didnt get any confirmation from PHH that it was received. I sent it certified so I have tracking information. Finally, sometime In XXXX I received a response to my question about a payment address. The address was different from what I found on their website. The email from PHH also stated that the modification and assumption had been canceled because the paperwork was never received. I have confirmation that it was received, and the name of an individual who signed for it. I sent a copy of that tracking information in a reply email.
I made my XXXX payment to the address provided to me in that email. I sent it certified with signature confirmation. Today is XX/XX/XXXX and I still havent received the signature card back. The payment was delivered to their box on XX/XX/XXXX.
PHH is still failing to acknowledge the modification and assumption paperwork I signed. They continue to charge late fees despite the modification and the payments being made on time, they refuse to update my account with any of the correct information, including the name on the account. Currently the account is in the name of someone who never existed on this account. It is not in my late husbands name or mine. Since I havent received the signature confirmation from the XX/XX/XXXX payment I think they are failing to collect the payment so they can add more late fees.
I want all of these issues corrected, all missed payments included in the modification. The number of missed payments is significantly higher than it should have been due to their incompetence or illicit attempt to force me into foreclosure. Had they done the modifications in an appropriate time frame the account would never have gotten so far behind, or accumulated so many late fees. I want the late fees removed from the period between when I received notice of the modification in XXXX, until this is all corrected. I want the account information corrected and accurate and in my name.
Company Response: Closed with explanation
2019-08-12
San Diego, CA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud.
Company Response: Closed with explanation
2019-08-12
Orlando, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-12
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-12
San Antonio, TX
Trouble during payment process
Mortgage: VA mortgage
Company Response: Closed with explanation
2019-08-12
Shirleysburg, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-12
OH
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Have attempted to work with lender for last year. Filed paperwork five times for modification. They have lost numerous copies and or pages causing the procedure to begin again.
Past three months have called them twice daily.
They say they have an assigned case manager but have never been able to speak to this " person ''. No one that I have talked to there even knows who that is. Just some name they made up to look good.
Always a different person to speak to and they never give the same answers.
Worse company I've ever tried to deal with. They want you to give up and fail.
Company Response: Closed with explanation
2019-08-12
Baltimore, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-12
Cleveland, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-12
Fred, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Applying all payments to suspense balance. Showing past due but all my payments are going to suspense. Try calling them they refuse to speak to me. Want letter from my attorney. Attorney has written them and till will not speak to me.
Company Response: Closed with explanation
2019-08-12
Coalinga, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-11
Federal Way, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-08-11
Arco, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My loan was transferred to PHH Mortgage from Ocwen, in XX/XX/2019.
Before the transfer of my loan, I was granted a repayment plan by Ocwen, due to the death of my husband, because I was approximately 2 to 3 months delinquent.
I made numerous payments to PHH Mortgage, and they have refunded the payments back to me. ( Each Representative at PHH Mortgage has told me that there is no record of any payments made by me since XX/XX/2019 ).
Im also not allowed to use the funds currently in my Escrow Account. Because the payments are being returned Im now 6 months delinquent. Because the payments were not accepted, they place a Notice if Intent on my account.
I have contacted PHH Mortgage many, many times for a repayment plan and have been told that I qualify for a repayment plan, however, due to the status of my account, I have to make a payment over {$5300.00} dollars in order to receive a repayment plan. Thats paying the delinquency in full, therefore, is not a Repayment Plan.
Normally their repayment plan consist of making one payment, then making an additional payment with your monthly payment until youre caught up.
I was not informed or notified by PHH that my Payment Plan Agreement was null and void once my loan was transferred to them.
I can make my monthly payments, it was a devastating life event that caused me to become delinquent. My situation is temporary, not long term.
Im asking for a reasonable payment plan to stop the delinquency and Notice of Intent.
Company Response: Closed with explanation
2019-08-10
Federal Way, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation