OCWEN FINANCIAL CORPORATION

2019-08-02

Arden, NV

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-02

Cedar Rapids, IA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-02

Canyon Cntry, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-08-02

Baltimore, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-02

Greensboro, NC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-02

Vacaville, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-01

Oakland, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-01

Cleveland, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-01

Centerville, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-01

Miami, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am trying to locate a PHH executive because since XX/XX/19 I am going through problems that are never solved by the bad work they do and I am very scared after reading all the reviews of clients and talking with the lawyers that defend a legal case they have. I have reported all irregulations to the state of Florida, but I would like to speak with a senior executive.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-08-01

Library, PA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Cheverly, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Our payments are returned by PHH Mortgage Co. We are on a Trial Modification. PHH mortgage is claiming we did not make our initial payment. We have supplied proof of payment and PHH Mortgage has confirmed payment was received. Still refusing to grant us our final Modification papers. XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to Ocwen Mortgage Co XXXX pmt {$2700.00} ( Paid XXXX XXXX by XXXX XXXX XXXX ) to PHH Mortgage Co XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to PHH Mortgage Co We have receipts to prove. PHH Mortgage Co sent back payments for XXXX and XXXX claiming they never got XXXX 's payment. XXXX XXXX payment was sent to Ocwen Mortgage Co as instructed. Ocwen merge with PHH Mortgage as of XX/XX/19. all payments are to be sent to PHH Mortgage as of that date. All payments prior to XX/XX/XXXX goes to Ocwen.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-31

Shorewood, IL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Hollywood, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Jersey City, NJ

Closing on a mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Cataldo, ID

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Amsterdam, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Baton Rouge, LA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Smithfield, NC

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-07-30

Lewisville, TX

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: This company is practicing UNFAIR LENDING practices AGAIN and not cooperating with information. Ocwen/PHH Mortgage company FORCED us into bankruptcy yrs ago because they REFUSED to accept any late payment. They have continually gone up on house pmt, escrow, Despite us getting our taxes ( appraisal ) lowered. NOW, they are REFUSING to talk with us about our mortage and the discrepancies in the NEW HIGHER pmt, unapplied pmts, and monies is Hold acct. They told us they can't even SPEAK with us without attorney permission Suddenly. This bankruptcy is several years old. They will not say Why the change, if it is Law, etc. Mortgage company will not give us any telephone number, email or contact information. We called the attorney and they were outraged also. Loan is under XXXX XXXX XXXX XXXX Account : XXXX My payment was XXXX It is now XXXX and they are saying it just went up AGAIN, even though we are at the top of arm, taxes were lowered and insurance stayed the same. OCWEN/PHH IS A THIEF, everyone knows it. All the lawsuits prove it. And them flat refusing to have a conversation Now even though we are paying on the account and even though it has been in bankruptcy for years is just another stalling tactic. INVESTIGATE
Company Response: Closed with explanation

Timely Response

2019-07-30

Hinkley, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I suffered a XXXX and a XXXX XXXX in XX/XX/XXXX. I applied for help with Keep your Home California and received it in XX/XX/XXXX but according to the mortgage company my payments didnt lower in fact they went up still leaving me struggling. Now a new mortgage company has taken over this year PHH Acct XXXX and when I wrote them and requested to apply for another modification with better payments I was told to find the old one that was sent its still is active. But a few days later I received in the mail I was no longer eligible and my choice was foreclosure.
Company Response: Closed with explanation

Timely Response

2019-07-30

FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Hello, I'm writing to ask for your help with my mortgage company. My home was lost to hurricane XXXX on XXXX XXXX. It was destroyed and torn down. The insurance company was great and sent me two checks in both my name and the name of my mortgage company ( PHH Mortgage ), one for the amount of {$52000.00} and the other for {$2200.00} totaling {$54000.00}. They also sent me another check for the contents, but that was only in my name. I endorsed the two checks and sent them to the mortgage company. On-line, it shows they received these checks on XX/XX/19. PHH Mortgage ( the Loss Draft Department ) has repeatedly denied my request to apply this balance to my principle, they have denied my request to send the money back to me, and when I asked for a payoff statement, in writing they put that my 'Available Escrow Funds ' is {$0.00} - they and wanted me to sign and notarize that statement and send the difference of amount back to them. I refused to sign a statement that said I have no money in escrow. I'm at a loss of what to do next. They won't apply it to the principle, won't acknowledge my escrow amount in writing, and won't send the money back to me ....??? They do not offer an account representative, so each time I call I have to explain to a new person what is going on, and each time I am given a different reason why they can not help me. When I asked for the money back I was told that amounts over {$40000.00} can not be released without a letter from my insurance company saying they approve of this - then PHH would review and let me know if they would release the funds. My insurance company had never heard of such a request and does not want to get involved, but my representative did send me an email stating this, and she added that she does not understand why they are denying me access to this money. I have been making the monthly payments and have kept current with this account. I know they are a big corporation and I am just a small nobody, but I really don't have {$54000.00} to give away. It is all so frustrating. I would appreciate any help you can give me. If you can not help, please let me know what my next course of action should be. Thank you for your time,
Company Response: Closed with explanation

Timely Response

2019-07-30

Azwell, WA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/2019 we were informed via letter that our escrow account was short. And that we would have to pay {$1300.00} by XXXX or our monthly mortgage payment would go up. In the letter there was a summery of our payment history and projections. We only pay Hazard Ins, Water/Sewer and County Tax. On the projection page they had a charge I was not familiar with, Ground Rent for {$1300.00}. When I called PHH Mortgage and questioned them about the new charge no one seemed to know what it was for and recommended I call my County Tax Assessor. The County Tax Assessor confirmed that the charge for Ground Rent was not correct and they had never seen a Mortgage company charge for that before. I called PHH back again to see if I could get more info on the charge and they said there is nothing they can do, and I should get an attorney. Im getting bullied by my mortgage company and there seems that there is nothing I can do but pay an attorney and sue them! ***RESPA Section 10 violation for sure!!!
Company Response: Closed with explanation

Timely Response

2019-07-30

Arco, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: Since XX/XX/XXXX we have been actively attempting to obtain a payoff quote for our HELOC held by PHH Mortgage so that we may payoff and avoid foreclosure proceedings. The HELOC matured in XXXX, XXXX while we were in Chapter XXXX reorganizational bankruptcy ( filed on XX/XX/XXXX and discharged on XX/XX/XXXX ). We have been trying to work with Ocwen Financial the HELOC holder, now PHH Mortgage ( XX/XX/XXXX ) to resolve. We were advised by Ocwen/PHH that modification and payments would not be accepted. The only resolution to avoid foreclosure was to payoff the loan in it's entirety. We have secured loan funding which is ready to close but we have been unsuccessful in obtaining a valid payoff quote. We were advised that a payoff quote was forthcoming on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I requested a verbal quote I was told it was not available in my file. I was also told a Relationship Manager was assigned but have been unable to reach or receive a call back. Instead I was placed in a holding queue receiving inaccurate or conflicting information at every call. I was advised on XX/XX/XXXX that a payoff quote was issued and would be faxed to our Escrow Officer. The payoff would be good through XX/XX/XXXX. I was advised again today, XX/XX/XXXX, that the quote was faxed to Escrow Officer on XX/XX/XXXX - it was not. They also could not provide the figure of the payoff verbally, We have also tried to contact XXXX XXXX, XXXX the Foreclosure Attorney leaving a voice mail ( only option provided when voice mail box was not full ) to no avail. I have spent in excess of more than 30 days and over 24 hours of cumulative hold time spent trying to avoid foreclosure proceedings and payoff the quote. Please note the 'Notice of Default ' that was filed on on our property on XX/XX/XXXX only provided PHH contact information by which to obtain a payoff quote and lists 90 days to resolve. The payoff figure listed showed a good through date of XX/XX/XXXX ( we received on XX/XX/XXXX ). We are nearing the expiration of the Default with foreclosure impending. Again, we have loan funding at the ready to close but can not get a payoff quote. I find this to be completely unacceptable and as such have filed a complaint with the XXXX XXXX County Consumer affairs. I will also be filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. I respectfully request escalation of this issue with immediate resolution in the form of a payoff quote.
Company Response: Closed with explanation

Timely Response

2019-07-30

Amherst, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response