OCWEN FINANCIAL CORPORATION

2016-05-23

Ft Lauderdale, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Lodi, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Miami, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Portland, OR

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: OCWEN is reporting me as having two late payments but records show that I have not been late for several years on my payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Carmel, CA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: We had a mortgage with Indymac. We attempted to refinance and discovered that the mortgage lender Indymac was in XXXX position on the title, and our HELOC lender XXXX XXXX was in XXXX position, so that made us unable to refinance. We asked Indymac to correct their paperwork, but they knew they were going to be bought out by OCWEN, so they did nothing. Once OCWEN bought our loan, I informed them of the error on the title made by the title company. OCWEN is now suing us and XXXX XXXX ( who the HELOC is with ) because our name is on the title, even though we did not make the error. It is completely unfair to be caught in the middle of this XXXX huge corporations, when we have never missed a payment or been late, and now we have even more expenses from having to hire legal representation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Dulac, LA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: complaint number # XXXX on XX/XX/XXXX to whom this maybe concern : my husband and i XXXX and XXXX XXXX and XXXX XXXX are still having issues with my our mortgage company ocwen loan servicing llc.i '' ve been trying to get a loan modification to bring my mortgage payments current i sent my mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all payments that i sent to them they 're was rejected and they saying that this is invalid account number they want us to send them q large amount of money at XXXX time.but i did n't have a large amount of money to send to them.the payment for XX/XX/XXXX i have the mortgage account statement show for that payment on XX/XX/XXXX in the amount 0f $ XXXX.in my escrow account balance is ( {$5500.00} ) but they saying i have a XXXX balance showing on this account the mortgage rate on this loan is 9.75 % that is to high.this is to sad for a mortgage loan company to have a interested rate so high.but ocwen loan servicing do not wont to talk about the monet that i have left over in my escrow account so i can bring my mortgage current.i had a pipe bursting in the wall my insurance company send me a ckeck for ( {$3700.00} ) I call ocwen loan servicing and told them that my insurance company send me a check and told me to send the check to them and they will br endorse the check back to me .ocwen loan servicing took so long to send the check back to me they 're still hold the check.i pay my on property taxes, but some how they are charging us for that when i pay for it myself.i have enclosed some documents some of which i printed from my account on their customer site.we just want to get back to where our account is at good standing.i 'm not interested in losing my home at all.my husband is sick and i have XXXXyear old grandson that i 'm raising. sincerly, XXXX and XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-22

Niles, MI

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-22

Great Neck, NY

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have purchased my home back in XXXX XXXX with IndyMac mortgage. I received an unfair high interest rate that was adjustable .Due to the XXXX recession, I requested a loan modification which was declined.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-21

Philadelphia, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX Dear XXXX Representative This letter is concerning the dispute # XXXX filed against Ocwen Loan Servicing for the reported delinquent XXXX and XXXX 2014 payment. The required payment amount was {$570.00}. Prior to XXXX 2014 my home at XXXX XXXX XXXX XXXX Pa XXXX was in default and I was facing foreclosure from Ocwen Loan Servicing. I applied and was approved for a HEMAP loan ( Homeowners Emergency Mortgage Assistance Loan ) through the XXXX. On XXXX XXXX, 2014, I signed the settlement papers and a check was sent to Ocwen in the payoff amount of {$26000.00}. Ocwen received and deposited the check on XXXX XXXX, 2014 ( please see depository check image ), however Ocwen did not apply the money to my account. I was still receiving phone calls, messages and letters from Ocwen pressuring me to make a payment or face foreclosure. Ocwen 's website account also reflected the money was not applied to my account. I called them numerous times concerned about the whereabouts of the {$26000.00} check, eventually I was told a research team would be appointed to locate the HEMAP payoff. The money was not applied to my account until XXXX XXXX, 2014. During this time Ocwen charged me fees, penalties, legal fees, housing evaluations as if my home was in default. I disputed these fees and asked since they were at fault, I should not be held responsible for these fines and Ocwen deemed them valid. I sought the help of the XXXX Agency to advocate the rescinding of unjust penalties on my behalf. I was informed all penalties and fees from Ocwen ( XXXX to XXXX 2014 ) would be reversed and applied to my account. According to the XXXX Credit Report, Ocwen is reporting a delinquency for XXXX 2014 and XXXX 2014 ( please see XXXX XXXX statements showing ACH payment to Ocwen XXXX 2014 {$1300.00} and XXXX 2014 {$620.00} ). In the interim on XX/XX/2014, I obtained and paid in full for one year my own private homeowners insurance with XXXX XXXX. 3 emails and 2 faxes were sent to Ocwen requesting my insurance escrow account be audited. My insurance company representative also faxed a copy of the binder and called Ocwen on my behalf ( see fax transmission and call log document enclosed ). Ocwen never responded nor lowered my monthly payment which should have been reduced to {$470.00} XXXX, XXXX and XXXX of 2014. ( please see XXXX XXXX XXXX auditing analysis document enclosed ). XXXX XXXX, 2014 Ocwen sold my mortgage loan to XXXX XXXX XXXX. Ocwen transferred my loan To XXXX XXXX with a reported XXXX delinquency. I have filed over XXXX disputes with XXXX XXXX XXXX and submitted proof of all mortgage payments and substantiated the amounts through documented banking history. Ocwen refuses to acknowledge this proof of mortgage payments. The purpose of this dispute : 1. Show proof of XXXX and XXXX 2014 mortgage payment through XXXX documents 2. Demand Ocwen to audit the insurance escrow account from XXXX, XXXX and XXXX 2014 adjusting my monthly mortgage payment to {$470.00} and refund the overages. 3. Adjust the payment history with XXXX XXXX XXXX to report my account current. 4. Adjust my credit score appropriately. Thank You XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-21

WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: This is the second complaint I have placed. The first has went without a response. I am in the middle of a current Chapter XXXX. I am 2 years in. My mortgage is with Ocwen Loan Servicing LLC . A few months ago Ocwen started returning my mortgage payments. I called Ocwen only to be told I no longer owned my home and it had been foreclosed on. ( It has not ) Ocwen is accepting my Chapter XXXX payments. I have asked to speak to a manager at Ocwen and they refuse to speak with me. Again, I make payments monthly thru chapter XXXX and make my payments to Ocwen every month. Today my wife and young daughter were home alone and XXXX men came to the door. They stated they were from the bank. They dug thru my garage. They tried to break into to my home. My wife asked them to leave and they refused. They terrified my family. They stated the home was lender owned. IT IS NOT. It has never even been foreclosed on.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-21

Beyersville, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Ocwen Loan Servicing has listed our home for foreclosure sale 4 times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-21

Oxford, GA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. Listing agent : XXXX XXXX XXXX XXXX, XXXX, Seller : US Bank, National Association as trustee for XXXX Corp, Seller 's Agent : XXXX XXXX failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing property for resale. My neighbor next door, XXXX XXXX, XXXX of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings around the perimeter during the residency of the XXXX owner. Whoever prepared the property for re-sale was aware of the openings around the property. The seller and/or listing agent had contracted with a company for dirt/soil to be spread around the property to temporarily hide the recession of soil around the perimeter and the impending disaster to an unsuspecting buyer. I understand that my property was sold as-is, however, the seller had knowledge that the property was built on a trash pit and hid this fact by filling the holes and cover with sod. This pertinent information was withheld from the buyer. The seller of the property should be liable for the repair cost which should have been his/her expense in the first place and as such, the buyer was deceived. There is an XXXX horizontal hollowness below the slap, the right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions ( re-measured on XXXX/XXXX/XXXX ). Kitchen tiles are cracked, kitchen counters are off balance and using the back door is hazardous because one may step out into a sink-hole. Being built on inferior soil has caused the rear right corner of the building to be supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure and contaminating my health! What I was sold is equivalent to a house built on quick sand and I would not have knowingly purchased a house built on quick sand neither on a trash pit. I am a retiree living on fixed income and this expense will cause an increase in my debt. This is unfair business practice therefore I need to be reimbursed for the cost of repairs to stabilize this property. I kindly appreciate your help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-21

Gastonia, NC

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Centerville, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Sandy Hook, CT

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Green Acres, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Gold River, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

IN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I received XXXX calls at work on XXXX/XXXX/16 with messages left on my voicemail from a man with an accent saying his name was XXXX XXXX with Ocwen Loan Servicing. The caller ID showed up as Ocwen 's phone number XXXX, but his call back number given he said was XXXX which has a fast busy signal when I tried to call it back. He threatened that Ocwen would be placing legal action on me resulting in me losing my home. He gave my full name and my property address.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Jupiter, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Our clients submitted a loan modification to Ocwen and were given a single point of contact XXXX XXXX. During the process of loan modification, they were concerned about the pending foreclosure action that was ongoing and were fraudulently advised several times " not to worry about the foreclosure action of default because they were being reviewed for a loan moidification ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I would like to express my sincere disappoint in Ocwen handling my complaints thus far.. As of XXXX XXXX, XXXX, All of my other requests have been unanswered which is a violation $ XXXX of TILA ; XXXX C.F.R XXXX ( c ) ( XXXX ) ; XXXX ( f ) ( XXXX ) of XXXX I received a letter on XXXX XXXX, XXXX that the loan was not eligible for cancellation of the Escrow account because it 's currently showing a negative balance. You 'll did not even perform an Escrow analysis. Prior to your response, I 've included all invoices showing that the amount which was paid to the XXXX XXXX was not the amount that was escrowed yearly since servicing the loan. Please also note that upon further investigation, XXXX XXXX XXXX Chapter XXXX Bankruptcy proof of claims reflects that no XXXX taxes were paid to/from Ocwen Loan Servicing or XXXX XXXX from XXXX XXXX XXXX. It was the Debt was expunged through Bankruptcy. All money that I paid, should be refunded. In a Affidavit, XXXX XXXX XXXX states in the Bankruptcy proceeding that request immediate abandonment and destruction of certain loan files because they do not hold any interest in mortgage loans. " The loan files have no value to the Trust and not needed to proceeding in the Bankruptcy case. The motion which was Granted and in that order the Judge placed a value of XXXX cent on the dollar for each loan Ocwen Serviced. Ocwen Loan Servicing , LLC Claims was EXPUNGED through the Bankruptcy.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-20

Hghlnds Ranch, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response