OCWEN FINANCIAL CORPORATION

2016-06-11

East Fishkill, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-11

FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Ocwen Loan Servicing offered me a Loan Modification in return for Dismissing my Appeal in the XXXX XXXX after Foreclosure Fraud. I accepted the Deal, Signed and Notorized the Loan Modification Paperwork and started sending Payments. I also signed Thier Attorney 's Release form from the Pending Appeal against them, Which they continually harassed me about. After making a Few Payments on the Loan Modification and Moving Back into the Property, Ocwen decided to send me an eviction Notice! I immediately Called the Attorney that designed the Loan Modification and was " Acting on behalf of Ocwen '' The Attorney " No Longer Represented Ocwen and or XXXX XXXX ''. It appears that Ocwnes Attorney never Completed the Paperwork on the Loan Modification. I have attempted to request an evidentuarty Hearing in my Local County Court and was Denied due to " No Legal Basis ''. I want to save my Home and find out what Ocwen has done with my Loan Modification Payments and why they are not honoring the Loan Modification? Also, The City has shut of the Water now and will not restore until my name is back on the Certificate of Title which has caused myself and my Children XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Broadmoor Vlg, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Marquette, KS

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-10

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-10

Bowie, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Cocoa, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I purchased my townhome in 1999 and the loan servicing since changed hands to Litton and now to Ocwen. I received a letter from Ocwen stating that flood insurance is now required. Please note it is now 17 years later. I contacted the holder of the master insurance policy for the entire condominium property and they advised that there is no flood insurance on the property because only some portions of the property were in a flood zone, others were not. She further sent a document stating that my unit was not in a high-risk flood area. I sent this documentation to Ocwen. I received a letter from Ocwen stating that their research shows I am in a flood zone. I think they need to provide me this " research '' specifically the designation of my unit # XXXX as being in a zone in need of flood insurance. The response I received was from XXXX XXXX in the Ocwen Office XXXX XXXX XXXX XXXX. I am sending this complaint because I should n't be getting a demand for flood insurance 17 years after purchase. Furthermore, Ocwen was not my original servicer. This seems to me that the demand is outside of the original requirements for my mortgage since flood insurance was not a requirement to initiallyl establish the mortgage. I 've read where mortgage companies are praying on homeowners in this way because they 've receiving kickbacks for the flood insurance charges.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-10

Bowie, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-10

Foothill Ranch, CA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: Complaint is against the unfair and illegal practices still being carried on by OCWEN Loan Servicing. OCWEN has refused to work with me and provide loss mitigation outside of simply just wanting to foreclose my home. I was forced by OCWEN to file for Chapter XXXX bankruptcy protection in order to stop a foreclosure on my property, after they repeatedly denied me a loan modification and instead began applying all sorts of excessive and outrageous fees to my loan making my ability to catch up with the payments virtually impossible. Because of this, I fell behind and out of the blue, they served me by mail with foreclosure papers. Filing Chapter XXXX stopped the foreclosure proceeding but only temporarily as they are now requesting the court to lift the stay. OCWEN seems determined to foreclose my property and even claims that the property has no equity, which is inaccurate. OCWEN still practicing outside the Federal guidelines, something they had been fined for back in 2013. OCWEN has submitted paperwork to the bankruptcy court full of inaccuracies and misstatements. They have continuously charged me fees for things such as attorney fees, foreclosure fees, " other costs '', etc. Every time they do this, they placed my loan balance at a higher figure. OCWEN has also provided me with monetary figures that do not match others. I am currently on Chapter XXXX solely because of the actions of OCWEN against me. I had to file an emergency protection in order to keep OCWEN from selling my property at an auction. I am a Veteran ( XXXX ) and currently a XXXX, I have a full time job and the ability to make my payments, only if they would stop flexing their muscles and try working with me instead of insisting on foreclosure.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Lb, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been trying to work with Ocwen since XX/XX/2016 to secure a loan modification. After many phone calls I noticed they were asking for the same information over and over or just not listening to what I had to say about my hardship. My work schedule is very irregular I work nights and may be away from home for several weeks at a time, also get paid from several different companies, since I was having a hard time explaining this to Ocwen, I asked my former Real Estate Broker to help me. With help of my brokers staff which includes people very familiar with the mortgage industry we have emailed and faxed over XXXX pieces of documents, including over XXXX very detailed letters of explanations, and signed and dated HR verifications, which it seems like Ocwen does not read at all?? or their staff does not understand English, as I would repeat almost the same exact thing in each letter and then was asked to send it again. My Broker and I both kept very detailed logs and noticed they kept on asking for the same documentation and they kept on asking us to change dates on the same documents add signatures at the bottom or re-send the same documents, which they admit they have but they want us to send in a different order?? I am now FULLY convinced that Ocwen is a scam and playing deceptive games and plain lying and just trying waste my time. If you look up the definition of " FRAUD and DEPECTION '' in the ENGLISH dictionary, this exactly what Ocwen is doing. We have asked for a supervisor to assist us on 4 different phone calls and sent the documents directly to XXXX different supervisor via fax and after each follow up phone call we are asked us to sign the same documents. Now after 6 months we have been asked to re-send the entire package to them again, why is this company allowed to lie, deceit and falsely advertise that help homeowners in getting a loan modifications? Is n't this type of action again the law now? I am formerly asking the CFPB to investigate these actions and ask Ocwen to get a supervisor that can actually do something for me, not just ask for the same documents week after week and then ask me to start this process over again.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: No Timely Response

2016-06-10

Smyrna, SC

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: Basically the bank is having people come by lying and seemingly threatening to kick us out, after lying to us about helping and denying payment even. My house is being foreclosed on and has been sold, after payment was denied ( in the billable amount ) long before any judgment was filed or before defaulting. Now since the house has been sold, I 've had one XXXX gentleman come out before XXXX knocking on my door and lying to me. I know he 's from the bank, I 've talked to him before, but he lied to me as if he was looking for another house address number, then went up the road in the opposite direction. Yesterday I had a few XXXX gentlemen show up to my neighbor 's house telling her about our contract with the bank, telling her how we do n't pay them and that they were there to throw us out onto the streets, when an eviction has n't even been filed. The bank is basically making threats through our neighbors, and disclosing personal loan information with people who are not authorized to be on the loan. Before all this happened, the payment was caught up but the check was sent back, even though the amount of the check matched the amount on the bill and was sent in before the due date ... the check was even returned and denied to be accepted before the due date even, even though the check was to the total amount on the bill asked for by Ocwen. Ocwen proceeded to tell us to fill out numerous papers to try to get help through them to save the house, but for years paperwork was sent in only to be returned with the acknowledgement that Ocwen did n't help people save their homes. In fact the paperwork sent from Ocwen over and over was even denied by Ocwen that they had sent it to our mailing address.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

MD

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Niantic, CT

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Chester, NY

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2016-06-09

Centerville Branch, GA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Jennings Lodge, OR

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Oakland, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Aurora, CO

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

New Britain, CT

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I was trying to refinance my car and decided to check my credit report. I then realized that Ocwen Loan Servicing had stopped reporting my mortgage payments. The account was either deleted or showing charge-off or closed. I reported the issue to the customer service department and was told they they had been reporting correctly. I then tried to dispute with the credit bureaus and they informed me that Ocwen has stopped reporting and that I can not dispute. I called Ocwen again and they said they had opened an investigation. I never heard from them. I called back and complained again they said that they were not sure why my credit reporting was being " surpressed '' and that they would investigate. I got a letter back a week or so later stating that again the information was accurately reported. I later called in to the office of the ombudsman and complained. after a month or so I again got a letter that the information was correct and that if I had any documents to prove otherwise to send it to them. I called again and emailed the copies of my credit report. I received a call confirming the dates etc on the report. And later received a letter that they would finally make the corrections to my report. I am still waiting to see the corrections. However I watched my credit score drop dramatically across the board. This of course has impacted my livelihood. I was not able to get the refinance rate I deserved I am trying to get better auto insurance and am afraid to try based on my " false '' credit score. This whole process has been goin on since around XX/XX/2016. Thanks for your attention and time to this.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Little Rock, AR

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Swiftwater, PA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Ft Myers, FL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Watkins, CO

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Mount Gretna, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response