OCWEN FINANCIAL CORPORATION

2016-05-26

Orlando, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-26

Washington, DC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Maclean, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Allenwood, NJ

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Gastonia, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Gastonia, NC

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Complaint: Ocwen provided a response to this agency regarding a complaint that it was not doing a meaningful investigation into a notice to correct an error. In its response, it did not provide any support that it had in fact responded to the notice. Ocwen is claiming that XXXX XXXX is the current holder, but our issue with Ocwen and our notice to correct the Errors is that XXXX XXXX was not the holder when the servicer initiated the foreclosure on XXXX XXXX, XXXX. We request that in Owen 's response, they provide who the holder was in XXXX XXXX when the alleged pre-foreclosure letter was mailed, furthermore, we request that Ocwen inform us with information as to who the holder was on XXXX XXXX, XXXX when the substitution of trustee was recorded at the request of XXXX XXXX, and lastly who the holder was on XXXX XXXX, XXXX when the notice of hearing and sale was filed in the XXXX County Courthouse? The recorded assignment of mortgage states unequivocally that the transfer to XXXX did not take place until XXXX XXXX, XXXX. American Home Mortgage Servicing, initiated the foreclosure on behalf of XXXX XXXX in error, an error which we asked be corrected before Ocwen sold the house on XXXX XXXX, XXXX causing injury to us. Ocwen has attached void court orders in all its responses. Void based on the actions of Owen 's Predecessors and Ocwen is trying to benefit of such void orders. A copy of the affidavit of default is attached and although Ocwen has claimed that it investigated its files, we would like to provide a document that Ocwen likely overlooked during its investigation. In NC Affidavits can be considered by the Clerk. Certain information must be contained in the affidavit in regards to the facts that must be found by the clerk. THe statute attached here references that servicer shall provide a 45-day pre-foreclosure notice and the foreclosure statute at NCGS 45-21.16 states that the clerk must find that the notice was provided, but the affidavit that is attached at paragraph XXXX is an admittance that the servicer may have provided the notice. This affidavit voids the clerks orders and all the orders that followed it. We again ask that Ocwen stop its actions and correct the errors that it is relying on to complete the sale.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Chester, VA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: My complaint is against Ocwen Loan Servicing , LLC ( www.ocwen.com ) ; Research Dept. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Loan # XXXX Ocwen has erroneously billed me for triple the amount of my regular payment. They are threatening to report judgement against me to credit bureau 's if I do not pay it by a specific date. I have consistently paid my amount due on time plus an additional amount to apply to the principal. Ocwen never informed me of a change in payment due or change in terms of the loan. Ocwen applied my payment to a " suspense account '' and showed that it was a partial payment. This is wrong. Some bills did not show any detail of my payments. Other bills have shown inconsistent payments due each month. No one from Ocwen will explain their inconsistencies. Each call results in speaking with a different representative with a foreign accent who gives first name only and a number. They suggest that I write or call the research department. I have done that many times. No one has made the corrections yet. I have read several complaints about Ocwen, Indymac, and XXXX XXXX. Properties have been foreclosed on due to their erroneous billings. I am requesting that my account detail be corrected. I would like my payments to be consistent ( retroactively ) with the amount due that was agreed upon. I want my payments applied correctly. I want a written statement to confirm that the corrections have been done. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; or XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Sierra Madre, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I received XXXX letters from OCWEN in XXXX XXXX XXXX Florida requesting that I submit a completed Tax Identification Form XXXX. The requested information was sent along with copies of SS card, loan document statements and a cover letter ( return receipt requested & returned to me ). A follow up conversation revealed their request was satisfied ; they had indeed received the information. Now, two days later I received a phone call from " collection agency '' stating they will be deducting money from my account if form not received. I advised that I will be paying off the loan before their XXXX XXXX, 2016 deadline. This is harassment!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

PA

Credit decision / Underwriting

Mortgage: VA mortgage

Complaint: On XXXX XXXX, 2016 I submitted an application for loan modification through my mortgage company OCWEN. I owe more on my house, so I ca n't sell it. Plus, I pay about {$300.00} out of pocket because my rental income does n't cover the mortgage. I sent every required document that 's listed on a checklist that comes with the application. Initially, they needed an additional few documents, so I sent them. Then the next week, they needed something else and was a different person ( I have never spoken with my so-called " relationship manager '' ) ; it 's always someone else that I ca n't understand and that knows nothing about my case. Then the next week and so on. Never at any point in time have they spoken with me about my application or have been organized enough to tell me everything they were missing at one time so I could provide them with what they need. Another example is that they required my banking statements to be within 90 days of the application. Mine were valid, but they expired because OCWEN continued to " need additional documents ''. Today, they said that they needed rental income verification, which is a tax document and that amount is listed on the tax return. The caller on the OCWEN end had no clue what I was talking about. It 's as if they do NOT want to help me. Am I even talking to people in the banking business? My private information is out there ( and my husband 's ) and I 'm terrified. I am just trying to make a tough situation better and I want to document this somewhere in case they try to make me foreclose ( i 'm making my payments ). As a consumer, I have no control over anything and OCWEN knows this. I am at the mercy of this company that has been in trouble for their dishonesty once already.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Doral, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am Owner of a Unit at the XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX since XXXX. Our XXXX XXXX have every year renewed the corresponding XXXX XXXX Policy on time. Since XXXX thru XXXX I have been paying my monthly mortgage to different Lenders without any inconvenience. Ocwen Loan Servicing , LLC, located at XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX, my current Mortgage Lender over 4 years, after GMAC was on Bankruptcy, demanded on XXXX that my Unit was not covered for any Property Insurance Policy, which was refused & we provided our XXXX Master Policy effective since XXXX - XXXX. Later on XXXX, Ocwen again sent to me different letters ( attached to this Claim ) regarding the same issue and for a forced placed Insurance Policy interior improvements coverage for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I provided copies of our Condo Master Policy and Certificate of Liability effective XXXX - XXXX from the corresponding Underwriter Insurance Company. We explained my Mortgage was refinance on XXXX and I have no obligation of any additional property coverage other than our Condo Master Policy. Interior coverage is just an option for Home Owners, not an obligation, according to our Condo Master Policy and my Mortgage content. Any previous Lender, nor Ocwen at the beginning of receiving my monthly payments, never requested additional interior property insurance, until XXXX. Every time we tried to contact Ocwen Customer Services ( XXXX or XXXX ), always a foreign representative from XXXX, XXXX, XXXX, XXXX, just had responded to me my obligation about the Insurance Policy. Finally, Ocwen on XXXX/XXXX/XXXX, illegally deducted from my Escrow Account the amount of {$1600.00}, which currently is in negative balance so, I demanded to have my records with Ocwen CORRECTED and have de insurance REMOVED, because I do not owe for the forced placed Insurance Policy No. XXXX, XXXX XXXX. XXXX with XXXX XXXX XXXX COMPANY forced and illegally imposed by Ocwen on XXXX/XXXX/XXXX. As I have not been able to resolve this problem by my self, I requested legal services thru an XXXX Law, who has sent several demand letters and Ocwen just has responded requesting additional time, which has been expired without any response. Now, I have found this additional legal resource in order to be investigated this issue because I have found online other complaints against Ocwen ( XXXX ) for Rip-off reports.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Wake Forest, NC

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Lakeview, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Bel Alton, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Belmar, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Sandy Hook, CT

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Chester, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Pinon, CO

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Irvington, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Philadelphia, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Arlington, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Beyersville, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Ocwen Loan Servicing , LLC listed our home for foreclosure sale for XXXX XXXX, XXXX. Ocwen Loan Servicing , LLC filed An Appointment of Substitute Trustee in the XXXX XXXX XXXX XXXX office on XXXX/XXXX/XXXX Doc # XXXX. The document is notarized by XXXX XXXX and signed by XXXX XXXX XXXX Ocwen Loan Servicing , LLC, Contract Management Coordinator. XXXX did not provide any identification when the document was signed and notarized. The document states that the Mortgagee of Deed of Trust has named and appointed, and by these presents does name and appoint XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to act under and by virtue of said Deed of Trust. There has not been any documentation that XXXX XXXX Bank, XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX is the Mortgagee of said Deed of Trust. Ocwen Loan Servicing , LLC has not provided any assignments or transfer of Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX. I have also found varying signatures of both XXXX XXXX and XXXX XXXX. Seems that these documents have been robo-signed and have been filed in the XXXX XXXX XXXX XXXX office. When we examined our " Original '' loan file in XXXX, there were XXXX assignments of deed of trust that did not transfer the Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to any other entity. The section of the deed of trust to transfer and assign the Deed of Trust were blank on XXXX assignments. American Home Mortgage Servicing , Inc. did file a fraudulent in the XXXX XXXX land records on XXXX/XXXX/XXXX, in which " XXXX '' attempts to assign the asset tot he XXXX XXXX. This document is fraudulent and the person who signed the document, XXXX XXXX, is a known robo signer. When we did a title search on our property in XXXX XXXX, Option One Mortgage was in XXXX lien position. XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX was contractually closed from conducting business after the closing date of " On or about XXXX XXXX, XXXX '' and could not have receive a loan into the trust after the cut-off date. XXXX XXXX retroactively attached the our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. ( Reference the sign from XXXX XXXX Clerk 's office, Chapter XXXX, XXXX Government XXXX, XXXX XXXX. )
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Magnolia, TX

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been trying to get a modification from Ocwen Loan with no success. This has been going on for years. Now they told me they were giving me a modification. I did everything they asked me to do. Now they just denied me again for some bogus reason. They stated that my income is not enough. This is a XXXX account. My mortgage was sold so many times without my knowledge. Many of my payments did not get reported. Now they created a balance that I do n't owe This is a NIGHTMARE. Ocwen said that the LENDER IS XXXX Bank. XXXX Bank is not on my PROMISARY NOTE!!! OCWEN IS NOT ON MY PROMISARY NOTE EITHER!! THEY ARE TRYING TO STEAL MY HOME
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Gold River, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Garrett Park, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response