OCWEN FINANCIAL CORPORATION

2016-06-27

Hinkley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have owned my property for almost 20 years, recently I came upon hard times and have had financial difficulties. I have tried to work with Ocwen on keeping my home for several years now. Ocwen is a very difficult company to work with and now that they have set a sale date on my home they will not review me for a modification which I can now afford. I am XXXX from the military and have steady income that I can prove if just given the chance to show it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Hghlnds Ranch, CO

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-27

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-27

Northridge, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

New Port Richey, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-26

Coral, FL

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-26

Sacramento, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-25

El Paso, TX

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-25

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-25

PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: The debt belongs to my ex-husband ( divorced 18 years ). He died on XXXX XXXX, 2016, therefore, he has not been paying his bills, because he is dead. I have explained to these people XXXX separate times, that I have nothing to do with my dead ex-husbands debts. I know they did an internet search for a related phone number and they focused on mine, as I am the only XXXX with a landline. My name nor phone number was never on his account, as he continued on with his life independently of myself. I have also told these people that, I am on the " Do NOT Call '' list and, they need to remove my phone number from their call list, especially since I had nothing to do with my ex-husband 's finances. They have refused to remove my number " unless an authorized person states it should be removed ''. I told them Good Luck with that, unless they can communicate with the dead. My dead ex-husband being the only authorized person on this account. I have also told these people XXXX that, his adult children will fax his death certificate to them, this Monday, XXXX XXXX, 2016, when they return to work. They continue to incessantly ring my phone and disturb my right to peace.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Capitol Heights, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Little Flock, AR

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Oak Lawn, IL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Shoshoni, WY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Santee, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-24

Cherry Brook, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Dallas, TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: On XXXX XXXX XXXX I submitted a compliant against Ocwen home mortgage servicing my loan because at that time I had been held in default since XXXX unable to make any payments while my loan was bought and sold numerous times. 2 years later XXXX XXXX i am still in the same situation but now after having been assigned 4 project managers with Ocwen and filled out and sent in all my HARP required information 8 total times I have had no choice but to file for bankruptcy because my total amount owed now with late fees and penalities over 7 years has my loan repay over XXXX on a loan which was XXXX but never allowed to make payments in 7 long years. I have spent XXXX on lawyers assisting me to stop their foreclosure efforts 3 times over these seven years. Each time I thought I was going to have a deal worked out with them I would be blind sided with papers of Ocwen trying to foreclose on me while I am in the middle of my work out programs with the assigned counselors. In XXXX I received a letter telling me i was denied a refinance program due to my income which was reported XXXX less then the information i provided them. Then the VERY NEXT DAY I received another letter telling me i was assigned a new counselor and to send in all my required paperwork after I had just sent in all my information and having monthly conference calls with the project manager to ensure I sent it all in. Then the letter would tell me that once all the proper paperwork was received no further action on foreclosure would occur over the next 30 days of the review process. The same letter I received 6 times. 2 times i did n't received anything for my submission.. It is so confusing at this point that when I speak to attorneys they look at me as though I am making this up. i need to move on with my life and bankruptucy due to a loan they will try to collect from me for XXXX would destroy what is left of my future. I do n't even have a solution at this point I am speechless and they need to know how lives are destroyed. lastly I have every single email, fax, paper and letter over the years as well and did everything a consumer was asked to do such as I attended all monthly assigned conference calls with counselors. I met counselors at the XXXX who were as stunned as I was with my situation. It has consumed and ruined much of my life these past 7 to 8 long years
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-24

Balch Springs, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Gretna, LA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I, XXXX XXXX XXXX, am currently in Chapter XXXX ( Case # XXXX ) and filing a complaint against Ocwen for Loan # XXXX. I am in the process of a Short Sale with Ocwen on my family 's home for over 50 years, then my property for 15 of those 50 years. I am simply asking my relationship Manager to suspend or postpone my Foreclosure Sale for a 30 to 60 day period allowing my Short Sale to come to fruition and from that Short Sale, I would not receive anything but moving expenses which I am OK with. This would complete my Short Sale and give me moving expenses in Lieu of becoming Homeless from the XXXX/XXXX/2016 Foreclosure Sale. My relationship Manager XXXX XXXX would simply inform XXXX XXXX, Ocwen 's foreclosure Attorney to remove XXXX XXXX XXXX from the XXXX/XXXX/2016 Foreclosure 's Sale.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Franklin Lks, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Oak Grove, MO

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: I did not not transfer a loan to Ocwen. Ocwen did not give me anything. I paid indy Mac to payoff a mortgage at XXXX XXXX XXXX in XXXX. I paid XXXX XXXX XXXX to pay off a mortgage at XXXX XXXX. I have so far paid the {$510000.00} that paid off the original 30 year, 6.5 %, {$220000.00} loan. Plus the {$57000.00} down payment I made in XXXX. In XXXX commerce bank gave me a {$36000.00} line of credit to payoff a {$7600.00} credit card balance. XXXX gave me a {$35000.00} line of credit to replace the {$11000.00} I owed commerce bank now I owed {$18000.00} to XXXX. With {$16000.00} remaining credit. Duplex refinance. {$60000.00} loan pays off {$41000.00} and {$18000.00} XXXX balance. But XXXX does not have a lien on my duplex. XXXX did not have a lien on my duplex. I owe XXXX XXXX {$60000.00}. I owe XXXX {$0.00} I owe XXXX {$0.00} I have a {$35000.00} line of credit and a {$220000.00} first mortgage. Indy Mac used the {$35000.00} to pay {$44000.00} - {$7000.00} = {$36000.00}. I owe Indymac the {$220000.00} mortgage + {$35000.00} 2nd mortgage + {$60000.00} {$320000.00} With {$260000.00} balance with {$28000.00} credit to pay {$4400.00} escrow = {$23000.00} + {$60000.00} or {$82000.00} with {$23000.00} credit remaining to pay 4.5 years of taxes and insurance {$230000.00} paid to Indymac. {$62000.00} paid to XXXX XXXX {$290000.00} paid. {$97000.00} interest due ( {$130000.00} reported. ) {$38000.00} escrow disbursed ( in the loan ) - {$4800.00} paid to midland. {$33000.00}. - {$1000.00} surplus {$32000.00} total escrow. {$97000.00} {$120000.00} total costs from {$290000.00} {$160000.00} paid to principal. {$260000.00} balance XXXX {$99000.00} total balance due with {$53000.00} due to XXXX XXXX {$45000.00} due to Indymac {$100000.00} + {$10000.00} escrow surplus {$120000.00} paid ( + duplex foreclosure ) interest taxes insurance {$60000.00}. {$60000.00} overpayment + duplex value {$140000.00} paid - {$53000.00} = {$91000.00}. ( Buyers mortgage ) XXXX They owe me {$150000.00} PLUS duplex XXXX My balance is {$0.00} Bankruptcy {$630000.00} debt discharged ( for {$140000.00} balances of which {$80000.00} was extinguished {$270000.00} remaining balance is credit. Of which {$220000.00} is prepaid XXXX = {$150000.00} remaining PREPAID credit PLUS the {$150000.00} they owe me is. {$310000.00}. I OWE {$0.00}. they owe me $ XXXX.PRINCIPAL balance plus a duplex! The total of credit lines was {$250000.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Villa Rica, GA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Wichita, KS

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Hayward, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Augusta, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response