OCWEN FINANCIAL CORPORATION

2016-06-29

Green Acres, FL

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

2016-06-29

Riverdale, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Augusta, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Baltimore, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Eight Mile, AL

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2016-06-29

Phila, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

CT

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: Ocwen aquired my loan from Littion loan in XXXX 2013. I paid lotion loan for XX/XX/XXXX and revive a letter that I was in default with Ocwen for not paying XX/XX/XXXX payment. After a lot of frustration I paid Ocwen for XX/XX/XXXX as well. Three months later I revived a notice that my loan was in default for nonpayment. The payments I was sending went into a holding account and late fees were applied. I reinstated the loan with the amount Ocwen said was due fees and charges etc. After reinstatement three months later I received a default letter that said my payment were being held in a holding account fore there was an unpaid balance from Littion loan. I do n't understand why when I reinstated the loan the fee was n't included. After 10 months due to a death of my wife I cashed in my XXXX to reinstate the loan once more. At this point it 's impossible to refinance to get away from Occwen because they distroyed my credit. I rienstated the loan again my first statement had a balance of XXXX when I asked why was n't the amount included in reinstatement amount they said it was a baleance left over from Littion Loan. They will not accept a payment unless it 's certified. When the loan was reinstated for the 3rd time they automatically withdrew the monthly payment from my checking account on the XXXX of the month. They say I set this auto payment up but it 's impossible i never did. Now I have no more saving to reinstate the loan and I have paid them XXXX majority of fees and late charges. I am completely helpless I do n't know how a company can get away with this kind of service. They ruined my life I ca n't even get a credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Seaford, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Bear, DE

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Please be advised that this letter is a " Qualified Written Request '', DEMAND, AFFIDAVIT, and AMENDMENT in compliance with RESPA and under the DEED OF TRUST/SECURITY AGREEMENT/NOTE created namely the LOAN # : XXXX : OCWEN LOAN SERVICING LLC ; XXXX ; XXXX This letter is to inquire about the accounting and servicing of this agreement and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, inception of my loan to the present date. To this date, the information, documents I have, that you have sent, and the many conversations with your customer representatives/agents, have been unproductive and have not answered many or any questions. It has come to my attention that your company may have been accused of engaging in one or more predatory servicing or lending and servicing schemes. As a consumer, I am extremely troubled to know about such practices by anyone ; let alone. OCWEN LOAN SERVICING LLC ; XXXX ; XXXX financing company or anyone who has any interest in this matter. I am concerned that such abuses are targeting the uneducated and uninformed/unaware consumer and disadvantaged, poor, elderly and minority Americans. Regardless, I am most concerned. This situation worries me that potential fraudulent and deceptive practices by unscrupulous brokers ; sales and transfers of credit and or servicing rights ; deceptive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, loan account and/or the debt or payments that I am currently, or may be legally obligated to. At this time, I hereby demand absolute first hand evidence from you of the original blue ink signature of the note to verify holder in due course of this alleged debt and or security regarding account # XXXX In the case, that you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned my note. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent of the actual evidence of the security I have no choice, but to dispute the validity of your lawful ownership, funding, entitlement right, and the current debt you allege I owe. By debt I am referring to the principle balance you claim I owe ; the calculated monthly payment and any fees claimed to be owed by you or any trust or entity you may service or sub-service for. To independently validate this debt, I need you to conduct a complete exam, audit, review and accounting of this account from its inception through the present date. Upon receipt of this letter, please refrain from reporting any negative credit information to any credit reporting agency until you respond to each of the above mentioned requests. I also request that you kindly conduct this investigation and audit of this account by a certified public neutral party, since its origination to validate the debt you currently claim I owe. I would like you to validate this debt so that it is accurate to the XXXX. Please do not rely on previous servicers or originator records, assurances or indemnity agreements and refuse to conduct a full audit and investigation of this account. I understand that potential abuses by you or previous services could have deceptively, wrongfully, unlawfully, and/ or illegally : 1 ) Increased the principal balance I owe ; 2 ) decreased the proper amount applied and attributed toward principle on this account ; and/ or 3 ) assessed, charged and/ or collected fees, expenses and miscellaneous charges I am not legally obligated to pay under this DEED OF
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-29

Baychester, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Seaford, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My Mortgage has recently been taken over by Ocwen Loan Services Company and I have been getting letters of extortion from them requiring me to purchase additional insurance for my town home, of which I do not purchase from my past lender. I have not been able to get any evidence from Ocwen, in my original contract agreement that requires/enable such " new '' additional insurance other than the insurance that I 've always had with past 2 lenders.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Beverly Hills, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Juniper Hills, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XXXX XXXX, I had applied for a repayment plan for my mortgage. In XXXX XXXX, I was approved for a repayment plan and according to Ocwen, I was to wait for the paperwork in the mail to sign and return for the approval. In XXXX XXXX, I never received any confirmation of loan modification and I went online to check any status and saw that I needed to make a mortgage payment of {$1000.00} with no down payment needed. I made my payment for the amount of {$1000.00} via online Ocwen website. In late XXXX, XXXX I received a call from Ocwen saying I failed to make my down payment and the payment plan is null and void. I explained to them several times that I was never told that it was approved via mail with any documents sent to me with the approval. I was following what Ocwen 's online website said I needed to do which was make a mortgage payment of {$1000.00}. Now Since XXXX XXXX, I was told to fill out a new package for approval which I did. They kept denying y package saying it was not complete. I continued to fax or email to them the documents needed and they kept saying they could not find the documents. In XXXX XXXX, I finally got all the paperwork they needed and in XXXX XXXX they started the process to check for a modification. A little history on my mortgage, In XXXX XXXX XXXX, I paid them a total of my life savings of more than {$10000.00} to keep my home. Then they said that the mortgage payment plan was not sufficient and we had to start the process again. I have made several complaint to the CFPB in regards to the problems I have been having with Ocwen. On XXXX XXXX, XXXX, I was checking Ocwen website for any update on the loan modification and saw that it said, " Congratulations, You have been approved for a permanent loan modification ''. Then underneath the bold green writing of the congratulations it said, " You have been approved for a permanent loan modification. Please check your mail for the new terms of your loan ''. This was posted on the website on my loan account for 3 days. Then on XXXX XXXX, XXXX, I went back onto the website to show my wife the status and it said something completely different. It said, " You loan modification is under review ''. It stayed in this status until XXXX XXXX, XXXX when it said, " We are sorry you do not qualify for a loan modification. Please call your relationship manager ''. With this said, it was a devastating response to show my wife after I had gotten her excited and relieved to here we were approved. My stress and anxiety of now seeing a declination of a loan modification when we were told we were approved. This has been the games and the miscommunication that Ocwen has been doing to us. I am under a tremendous XXXX because of the situation Ocwen is doing to us. To see two different responses from them in unprofessional, detrimental to my families health and now I have to continue being unemployed, on XXXX because of XXXX and now the added XXXX that Ocwen is causing me. There website has shown to be inaccurate on several occasions and yet they deny that there website has been inaccurate. I have taken images of the website to show how they have given us inaccurate information. These images will be attached.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-29

MD

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt resulted from identity theft
Complaint: The office of ocwen ombudsman team party XXXX making the representation had knowledge or belief that the representation was false, or made the representation with the requisite indifference to the truth. acts contrary to honesty and justice why these document was fabricated and doctored documents. Representation was made with the intent to induce the recipient to act, or refrain from acting. Recipient acted or did not act in justifiable reliance on the representation. Recipient suffered damages as a result.XXXX OF THE OFFICE OF OMBUDSMAN TEAM WITH OCWEN LOAN SERVICING 1. Representation was made of a material fact. 2. Representation was untrue. 3. Party making the representation knew it was untrue. 4. Representation was made with the intent to deceive and for the purpose of inducing the recipient to act upon it. 5. Recipient justifiably relied on the representation. 6. By relying on the untrue statement, the recipient suffered damages. XXXX Misconduct in Other States XXXXXXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well. Foreclosure law firms in XXXX and XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX PA and at XXXX, XXXX XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to XXXX Several notaries had their licenses revoked and the XXXX XXXX XXXX XXXX adopted a rule allowing courts to appoint independent attorneys to review foreclosure documents for irregularities. .Filing of shady assignments. A false representation was made, usually XXXX of fact. XXXX XXXX BANK XXXX IS NOT MY LENDER acts contrary to honesty and justice making false statements or AND present false statements BY under the control of ocwen loan serivcers ( XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. presenting lost note that has been fabricated or doctored documents, these need to be brought under the attention of Economic Crimes Division of the XXXX office FOR investigation. " " XXXX. XXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well. DEBT COLLECTOR law firms in XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX XXXX and at XXXXXXXX, XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to XXXX The firm took signature pages of bank or servicer employees from affidavits and attached them to other affidavits as needed irm being investigated by the XXXX an attorney at the Law Offices of XXXX XXXX XXXX said she handled between XXXX and XXXX XXXX files at any given time.XXXX Further, the attorney testified that it was common practice to sign documents without notaries present, and then to allow notaries to stamp those documents later as if they had been signed in front of a XXXX As with XXXX XXXX rumors circulated that XXXX attorneys signed documents without reviewing them.XXXX After XXXX XXXX stopped referring cases to the firm,XXXX the firm paid {$2.00} XXXX to settle the XXXX investigation, making it the only high volume foreclosure firm XXXX to settle.XXXX The foreclosure mill, Law Firm of XXXX XXXX, has been shut down after the owner, XXXX XXXX, pled guilty to unlawful and unethical practices at his firm.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Grand Junction, CO

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My wife and I have made every single mortgage payment for 11 years, XX/XX/XXXX OCWEN increased our escrow amount without notification and the payment we made was short when we were notified by phone the second payment was short we have since corrected the issue and in fact was issued an escrow refund. Now after looking into the purchase of another home we find that our credit report shows 3 late pays. I have contacted OCWEN on three different occasions and they stated they would remove this from our credit report and still as of today XXXX XXXX, 2016 it is still on our credit report. This has negatively impacted our ability to refinance and get away from this predatory lender and now I am asking for your help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Ridley Park, PA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Valrico, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Baltimore, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Larkfield, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Citrus Heights, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Bear, DE

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Billerica, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Manassas, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response