OCWEN FINANCIAL CORPORATION

2016-07-12

West Brandywine, PA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am sending this complaint update in because I was originally told that Ocwen was going to work with us to save our home after we complained to your organization, the PA Attorney General 's Office and Congressman XXXX XXXX. My original complaint included that we were asked to waive our rights in a federally sanctioned program- something that was not allowed in the Ocwen National Mortgage Settlement. Apparently the CFPB did inform Ocwen/XXXX legal counsel and the waiving of our rights was illegal and they were removed from the agreement so thank you for enforcing those XXXX guidelines. The problem is that for over a year I tried to get Ocwen/XXXX to drop the foreclosure suit against us so that we could work directly with the Making Home Affordable Escalations Team and get our questions clarified so that we understood exactly what we were signing. The HAMP language had been altered and left questions about the numbers. We signed the HAMP agreement and had it notarized. We also requested valid clarifications and an amortization schedule of our loan. We continued paying our HAMP payments- I scheduled my total hip reconstruction that I had put off for four years because I did not want to go under anesthesia until I knew that we had a legal loan modification. The day of my XXXX- my husband share with me the letter that we had been denied the HAMP modification- even while we were current with our HAMP payments. Two weeks later our XXXX year old daughter died in a tragic accident. Ocwen could care less about XXXX that AHM, AHMSI, XXXX and Homeward Residential has put us through the last 7 years. We are the poster children of the Ocwen National Mortgage Settlement and the abuse is continuing. The Monitoring of the National Mortgage Settlement knows that these problems are continuing and someone needs to stand up and make it stop. None of our questions were clarified and based on Ocwen/XXXX lack of cooperation- our valid concerns that Ocwen has no intention of helping us and that they want to take our home away no matter what we do.We have been forced now to use our HAMP mortgage payments to pay new legal fees. We desperately want our to save our home and my physical and mental health has continued to deteriorate from the abuse. Ocwen/XXXX both know that we lost everything in a bankruptcy XX/XX/XXXX and then lost our XXXX year old daughter. Just a few weeks ago during the time that our daughter should have been graduating high school and turning XXXX years old- Ocwen/XXXX deposed my husband and myself. My deposition was for an entire day. During that deposition it was obvious that XXXX XXXX had no intention of addressing the modification. I was questioned almost all day only about the original mortgage XX/XX/XXXX- something we never denied signing. We still believe that we are investors in our own loan and we want to settle it with a modification that follows the Ocwen National Mortgage Settlement and the new CFPB guidelines. We should have never been asked to waive our federal rights or been forced to hire legal council. During the deposition I was made to feel stupid, incompetent and worthless because we signed a contract that we were told we qualified for not knowing our tax returns were not reviewed by the underwriters. The federal government now says that these types of predatory and deceptive loans are illegal. We have been recently by told by Ocwen 's counsel that we can pay the loan off now with a new and/or private loan- but the bankruptcy that we were forced into- has ruined our credit and we can not get a new loan. The only thing the bankruptcy did not harm was my husbands 401k- Now we have been forced into using the only savings the bankruptcy could not take from us to save our home from foreclosure
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-12

Five Points, NC

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was sent a modification agreement by Ocwen. I completed the agreement and was told foreclosure was stopped. Discussions were misleading about a foreclosure hearing for another 30 days after foreclosure had occurred. Finally 30 days after the hearing had occurred and I had been discussing my loan modification they still said I could go to the hear. I have voice recording telling me the hearing was the next day at XXXX. I went to court on that day and time. I was told and found out the hearing had already occurred 30 days earlier. The house had already been foreclosed. I did not get to go to the hearing neither pursue other legal remedies.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Ferndale, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Tarzana, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am being denied a Harp from Ocwen. They said I have already had one Harp, when the modification offered me was not Harp compliant because it was and ARM loan. I lost significant income in XXXX of last year and have struggled to stabilize financially. I have recently recouped enough to meet a modified mortgage and am being told by Ocwen my only option is Short sale or Dead in Lieu ... .I am XXXX ... and my daughter is XXXX ... I can not move and feel that with a modified mortgage I do n't need to. I have the supporting documentation to substantiate my claim.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX XXXX XXXX, I came across XXXX different, mortgage insurance company documents for our property. On XXXX XXXX XXXX, I requested Ocwen Loan Servicing through a qualified written request by certified mail to provide us the following information. First, we requested to know who is the insurance company that carried the PMI insurance on our property/note. Second, we requested to know how many PMI insurance policies there were for our note/mortgage. Third, we requested to know the amount on each PMI insurance policy. Fourth, we requested to know if the PMI insurance policies were ever paid out in order to pay off our note/mortgage when we were in foreclosure several years ago. Fifth, we requested to know who the insurance company paid these funds too, with all contact information such as name, address and telephone number. On XXXX XXXX XXXX, Ocwen Loan Servicing responded to my complaint. Ocwen stated ; our company has recently received a request for information on the above reference loan, which is enclosed for your review. Ocwen enclosed a payment history only and failed to answer my questions that I asked through the qualified written request. Now, per the RESPA act, Ocwen was suppose to answer my questions but failed to do so. Then on XXXX XXXX XXXX, I responded back to Ocwen Loan Servicing by certified mail through a qualified written request. This request was now sent to the Ombudsman office this time. I requested the same information once again. I further stated ; today, XXXX XXXX XXXX, we received your response dated XXXX XXXX XXXX. In this response, Ocwen failed to provide us the information that we were seeking. Instead, Ocwen provided a payment history sheets from XX/XX/XXXX to XX/XX/XXXX. This payment history sheet does not give us the information that we are seeking. Failure to comply with our requests will result in another complaint against Ocwen. Now, since Ocwen has failed to provide accurate information to the credit bureaus and failed to take responsibility over it, we have decided to file complaints against Ocwen when they fail to comply to each and every inquiry. On XXXX XXXX XXXX, we received another letter dated XXXX XXXX XXXX with documents enclosed. Nothing with in this letter reflect any of the questions that we asked Ocwen. Ocwen enclosed a copy of the note, Deed of Trust, an assignment of Deed of Trust, a notice of servicing transfer by Litton loan servicing, a modification agreement dated XXXX XXXX XXXX, a HAMP modification in XX/XX/XXXX and XXXX document located in XXXX XXXX California along with a payment history. Again, Ocwen Loan Servicing has failed to address each of my questions under the RESPA act.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-12

Aberdeen, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Portland, OR

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Ocwen the 3rd party servicer is forcing me into a undue/unnecessary foreclosure. We have complied with all the time lines Ocwen has requested and required. Ocwen has failed to request the BPO appraisal from their vendor management company. I was advised by Ocwen 's escalation management XXXX XXXX | Escalation Manager - Liquidations Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX XXXX www.ocwen.com. See email ( Exhibit A ) from XXXX stating Ocwen would need to obtain the value of the home before they would review the XXXX cash offers we currently have in hand. During this time I had to request a foreclosure sale date, which was granted an moved to XXXX/XXXX/16. During which time Ocwen had problems on their end ordering the BPO/appraisal. I contacted the first BPO agent Ocwen emailed to contact XXXX ( see email Exhibit B ) and XXXX told me she was on vacation for 2 weeks and asked me to contact Ocwen and have them reassign the file to another BPO Agent. I emailed and informed XXXX, then was give another BPO agent to contact See email Exhibit C, I contacted XXXX XXXX, I called him and asked if he can rush schedule the BPO, the BPO took place XXXX/XXXX/16, and I contacted XXXX XXXX today XXXX/XXXX/16 and he confirmed his BPO report has been submitted to the XXXX XXXX XXXX XXXX XXXX ) and that Ocwen should the report by now. I called Ocwen on XXXX/XXXX/16 and the rep indicated she does n't have the XXXX. I 've sent the XXXX with XXXX of the offers, even though Ocwen has no idea what they are basing the value of home since, per XXXX XXXX XXXX XXXX PH XXXX - told me that he will request the BPO valuation today and he should have it within in XXXX7 business day to receive. I 've asked because Ocwen 's process is taking so extremely long, why are they are not willing to postpone the foreclosure sale date of XXXX/XXXX/16 to allow time to complete the short sale. We have XXXX cash offers and we can perform and close this XXXX as a short sale to avoid a foreclosure
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Palos Park, IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was notified by OCWEN that my property taxes had not been paid. I called the company and explained to them that I was not required to pay taxes due to a new law passed by the governor. I provided them with all the paperwork and documentation via email @ XXXXXXXXXXXX. I did n't hear from them about the issue therefore I called and spoke with someone. I was informed that nothing had been done with the paperwork. The rep indicated the issue was going to be escalated up. When I called by a few days later I was told that they spoke to my assessors office and they were told that I was not fully exempt. I then provided them with my tax bill from the assessor office that showed I had a XXXX balance. OCWEN has requested a refund but still requires me to pay and escrow.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-12

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Glendale, CO

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XX/XX/XXXX This is my second official complaint against OCWEN. Even though they have been fined, sanctioned or other, they continue to act as bullies, and collection thugs. Either they are taking these actions against me for complaining the first time or they do n't care because the profits are just too great for them to care about the consumer. I have made for the past 6 continuous months payments to Ocwen in amounts greater than the required minimum. This did not stop them from sending false and malicious letters stating that I was in " default '' and that they were going to file for possession. They did not apply additional funds to my account but kept them in a " Un-applied Funds '' category to try and fake that my loan was not in compliance. Further, regular monthly payments to them were not " timed in '' and they ran the " clock '' towards foreclosure for their own profit and without concern of the client 's faithful payments. Lastly, they employ a " debt collection law firm '' here in the XXXX area as a " fake store front ''. Ocwen preports that you as a client can go to this location to speak with Ocwen employees for advice, assistance and help and/or make a personal payment. But the location at XXXX XXXX XXXX XXXX, # XXXX, XXXX, Colorado XXXX is clearly another of the infamous law firms that assisted many of the mortgages companies XX/XX/XXXX-XX/XX/XXXX in defrauding home owners and others leading to the banking/mortgage crisis. Specifically, I was told that my personal payment made at the " fake store front '' ( law firm office ) would be credited that day and I was given a date/stamped copy of the same. Three days later after calling Ocwen 's offices, they had NOT received nor credited my account as promised. I am certain that this is Ocwen policy and done specifically to extract fees, bump up profits and abuse the consumer public. These companies should not be allowed to operate. This is not a " new problem '' but systemic and needs to be corrected. Thank you for your help a second time. XXXX in XXXX, Colorado XX/XX/XXXX
Company Response: Closed

Disputed: No Timely Response

2016-07-11

Saint Paul, MN

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-11

Fairfax, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-11

Grand Junction, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-10

Tulsa, OK

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-10

San Gabriel, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: On or about XXXX XXXX I received a Letter From Ocwen saying Dear Customer during a routine review, we discovered a overcharge for property preservation? See Ocwen Billing Correction letter XXXX ) I have Never been a Ocwen Customer? So how are you applying charges to a account Ocwen has previously admitted that was erroneus and False. XXXX XXXX also said via email that Ocwen Loan Servicing , LLC had nothing to due with the Fraudulent sale recorded on XXXX/XXXX/2016 into the XXXX XXXX XXXX XXXX Office a Felony XXXX a Violation.He said it was XXXX not OCWEN Why is their activity on the alleged non existent account XXXX showing a escrow balance and other monetary transactions. ( See Exhibit A ) These are blatant XXXX Violations and Money Laundering, defrauding the Federal Government XXXX XXXX by false and fraudulent claims.
Company Response: Closed

Disputed: Yes Timely Response

2016-07-10

NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I did a mortgage modification in 2010, and subsequently filed a Chapter XXXX Bankruptcy, and was released from the mortgage. I moved out of the home over a year ago, and instead of just staying in home for free, I put it on the market to sell as short sale. Ocwen has obstructed the sale of the home for a year. We are in the process of losing our XXXX buyer in a year. This last time we were ready to close, but they wo n't write a letter stating that the XXXX lien the have is discharged. They wrote a letter stating that they consider the balance of the loan to be XXXX, because of course it was discharged in bankruptcy, but they wo n't use the word discharge, so the buyer can get title insurance. In the meantime the house is falling apart, and all the neighbors are complaining home is not being maintained. I am in XXXX & the home is in XXXX. My Realtor has literally hundreds of hours working on this. They just will not cooperate. They tell us we have to speak to The Research Department, which only has a fax number. I am trying to do proper responsible thing, and they will not do anything but give me the run around.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-09

Thompsons Station, TN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My husband and I were in an active Chapter XXXX Bankruptcy which was discharged on XXXX XXXX, 2015. Shortly thereafter, we started making payments to our mortgage lender, OCWEN ( copy of payment history attached ). We recently started trying to refinance to get away from this lender and found that they are reporting us 90 days past due from XXXX 2015. When I pulled the payment history on their website, I found that they appeared to be putting our payments in a " suspense '' status because they thought we were still in an active bankruptcy, which we were not. I argued and argued with them about this way back when and did not know until now that they reported us past due.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-09

NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Hello : Consumer Financial Protection Bureau. I wrote to you on XXXX XXXX, XXXX about my Mortgage with Ocwen . I am updating you with my case. I went to Court on XXXX XXXX XXXX. Hoping that this is the last time. It habeen nine times that I went to Court this Ocwen. I have been in court since XXXX of XXXX with them and nothing has change for me. I have been paying my mortgage on time. I have not miss a payment at all. every time I go to court it is something else they come up with and it is just not fear to me.I myself went to XXXX XXXX XXXX three times and took the bus in this hot weather to make sure that my Mortgage satisfaction was done done correctly ocwen put the mortgage satisfaction in wrong for nine months until I went to court and spoke to a manager at XXXX my self and they said the spelling was wrong. and they have to fix it. every time I called ocwen they said someone will call me back and that never happen. This is very stress full. Also they said on XXXX XXXX XXXX that they found that I own federal taxes that is what they came up with. I did not own taxes from XX/XX/XXXX.I get back money every from my taxes. If i own taxes I would never get a return at all. I fill that ocwen did not put my modification in before the deadline. and they do not want to say that to the court. because it nothing else wrong. Ocwen lawyers was laughing in court at me like it was a joke. That was very disrespectful why did they do that. I felt so bad. I know who she is and I am going to find out her name and send it to you. I never was sent any letter from the IRS about anything owning any taxes from XXXX. It is XXXX I field my taxes and i received a refund from the Federal and the State every year. I never received a letter nothing. Every year I get back money because i file my taxes. My credit is not good because they keep reporting me late when I pay my bills on time. I am a homeowner and my life has to go on. I need things in my house that needs to be done and i have bad credit because of ocwen. I am XXXX years and I need to get this done correctly. Ocwen is showing prejudice against me. This has been going on for one year. and i have paid my trail period in XXXX. By law after I paid my trail they should have gave me my final modification but every time I go to court it is something else. Why is the court keep letting them go on and on. My case needs to appointed to a Judge and they will not let me do that. This is very up setting to me and my kids and very stress full on me. Can you please help me. I can see if i was not paying my mortgage at all but i am. It looks like when you are behind in your mortgage you get help. But when you are current you ca n't get help. Ocwen is being sued by XXXX of homeowners because they can not get it together and homeowners are suffering. Ocwen is showing prejudice. Consumer Financial needs to look into them as fast as you can. Ocwen servicing do not know what they doing and you can not get any answers fro them. Also I called XXXX on XXXX XXXX at this number XXXX XXXX and told me that I can not called them about my mortgage and to call Ocwen that is showing prejudice. they said I can not get any information from them go figure that. I want my case to be put in the new papers. I want my case to go to a Judge. I am sending a letter to Governor XXXX XXXX XXXX and President Barack Obama. Today. My kids see me very stress out over this matter my health is not good this needs to be take care of. Why is Ocwen doing this to homeowners like my self. do any body care from Consumers Financial Protection Bureau this not the first time I have contracted you nothing has been done to help me. Please sign someone to my case and call me at XXXX please leave a message if I do not answer and I will call you right back. Thank you XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-09

Rehoboth Bch, DE

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: Yes Timely Response

2016-07-08

Miami, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

San Marcos, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Itasca, IL

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-08

Dallas, TX

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Houston, TX

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Yonkers, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response