OCWEN FINANCIAL CORPORATION

2019-03-05

Juniper Hills, CA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: On XX/XX/2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX XXXX, and XXXX Both XXXX and XXXX were cleared my credit report history with no any extra headache but XXXX won't clear. its been a year already still no luck with XXXX. Please give me an advice how to solve this issue i have all the legal documents, Thank You
Company Response: Closed with explanation

Timely Response

2019-03-04

Hamburg, NY

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: Ocwen has been trying to foreclose my house even if I miss one payment On my credit report payment is {$590.00} But on the statement has inflated it by XXXX dollars Calls my phone twice a day and on weekends too at XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-04

Kendall, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-03

Olivet, MI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-01

Wonder Lake, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: To Whom It May Concern, Our Mortgage Note was established pre Recession in XX/XX/XXXX, has now been sold several times and is currently with OCWEN. As homeowner, Authorized Signer and our Attorney, we have pro-actively been, and especially so over the last several months, been making effort to communicate with OCWEN and execute controllables in good faith towards rewriting this loan as we wish to save and stay in our home. Per their request, in order to validate and support our efforts and intentions, we have consistently provided OCWEN with income statements, reasons for hardship notes, real and present property value determinations post XX/XX/XXXX Great Recession, the impact on our household employment and income, verified through multiple channels the significant decrease in real estate values at a national level and certainly including ours, state and county tax information, comparables, property information for similar properties in our area attained through professional Real Estate Agents all respectively, then submitted to OCWEN. In and around XX/XX/XXXX, OCWEN and the assigned Relationship Manager, after having received and reviewed, made a verbal offer in direct conversations to both our Attorney as well as us directly that included an immediate Principal Reduction ( over 550k, later confirmed in writing, and waiver of any Trial Period ). OCWEN cited that no additional documentation would be needed and that they would be forwarding us a documentation based upon conversations had towards remodifying said loan. Then, unbeknown to us or our Attorney and in complete contradiction to all dialogue and confirmed offer, they instead filed a sale date for earlier this year. We realized what had occurred and advised OCWEN that they were in error as we were in process of remodification, and that OCWEN was knowingly and purposely engaging in Dual Tracking, an illegal act. OCWEN then cancelled the date, but reversed course and asked us to resend all info to their Escalated Cases Dept., denying any knowledge of conversations and claiming to have lost all paperwork sent, asking us to start all over again. They have also back handedly set another Sale Date for our home for XX/XX/XXXX.Today, OCWEN has completely reneged on their offer, denying the information shared or offer made during conversations with us and our Attorney, and are actively refusing to communicate in a timely or even professional manner with us as Homeowner, Authorized Signer and our Attorney, sending contradictory or incomplete emails and to different email boxes. Being beyond frustrated and feeling helpless, our Attorney has confirmed the difficulty in any sincerity of OCWEN even as we make every effort in good faith, has cited several federal lawsuit filed as late as XX/XX/XXXX and XX/XX/XXXX for this very unprofessional, unethical and illegal behavior towards Homeowners and has recommended that we contact CFPB immediately. Our goal is simple, to have OCWEN follow through in re-writing a loan with current, realistic, attainable and sustainable amounts and dues, follow through the initially extended immediate Principal Reduction, ( waiver of any Trial Period ), and forwarding us through our Attorney, new and updated documents to sign and return. We have been proactive with good intentions and followed through on requests in good faith. We want to save and stay in our home through what we know to be a fair resolution for all parties. However, we will not be treated by OCWEN in this unethical, illegal manner while they engage in Dual Tracking and now acceleration of foreclosure process to deny us the time and opportunity to allow them to first review and correct their own errors and us to continue to work towards our goal of maintaining our home. It is with this in mind that we reach out to you. Thank you. Respectfully
Company Response: Closed with explanation

Timely Response

2019-03-01

Amelia City, FL

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-03-01

Danbury, CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-01

Newport Beach, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-28

Brooklyn, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-02-28

Newnan, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I was notified about. Settlement opportunity during a class action lawsuit. When I call the wait times are extremely long or I get disconnected. There is a class action lawsuit suit filed against this company. I was not aware of this not did I receive documentation on this matter. I have been with this company since 2004 and I am seeking to find out more about this matter. I have noticed higher payments and rates that I am required to pay and I have not discussed anything additional with this company. Can someone please contact me at your earliest convenience about this matter. Thank you XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-02-26

Manor, DE

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-02-26

Centerville Branch, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-26

Andalusia, PA

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-02-26

Carmichael, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: This complaint is with Ocwen Loan Servicing of XXXX XXXX XXXX FL. Loan # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( divorced ) on title and the loan.Loan originated XXXX, because of my experiences with previous loan servicers, I have a my payments mailed " proof of service '' by mail, by a 3rd party each and every month except when payments have been made online. Ocwen, enjoys assessing late fees even in the grace period, when they begin phone harassment.With the exception of 3 late charges all of the other ones have been mailed timely, sufficient to reach the Texas payment location, ( eg,. by the XXXX of the month, leaves 8 days to travel and be processed ), not with Ocwen, payments are accessed late charges 50 % of the time, except when paid online. XX/XX/XXXX and XX/XX/XXXX, I paid these XXXX payments on the Ocwen Website and was charged a XXXX XXXX, {$7.00} fee. I did this because Ocwen for no logical reason was showing my account as having a past due amount and the online payment was applied ( IHAVE COPIES OF ALL ONLINE CHECKS PAID TO OCWEN ) an inapplicable past due amount ( contacts by phone were with outsourcing, maybe XXXX, with extreme difficulty understanding their dialect ) In the online payment Ocwen was given all my personal account information to make the authorized payment on the website, which was done on the XXXX day of XXXX XXXX, a payment of {$1000.00} plus XXXX for service charge-online ; then the next day without authorization Ocwen debited my checking account again for the same amount of {$1000.00}, it would not have been noticed except it caused my account to be overdrawn with ensuing NSF charges. Ocwen was then contacted and I demanded the return of my fraudulently/negligently obsconded funds, Ocwen within 3 days paid my account back, but request for overdraft fees were not responded to. The next month, thinking that the recent gaffe was simply negligence, I paid Ocwen in the same {$1000.00} on the XXXX of XX/XX/XXXX online with a XXXX fee and again they took my private account information and withdrew XXXX the next day XX/XX/XXXX for the second time, again this second withdrawal was fraudulent and without my consent causing overdraft fees to my limitedly funded checking account, they were again contacted and I demanded that my XXXX be returned to my account and for them to close my ONLINE ACCOUNT, Again, talking with the outsourced customer service I demanded my money XXXX back and within 4 days it was returned. This outrageous behavior is a felony if committed by a private party. Still dealing with the aftermath of the " robberies '' from the previous two months. I sent a check payment ( mailbox rule, XXXX v XXXX et seq ) on the XX/XX/XXXX, proof of service by mail, with a check of XXXX enclosed and by the XX/XX/XXXX ( late date ) it still has not posted to my checking account ; or for that matter to this date XX/XX/XXXX. After reviewing my online information it was apparent that Ocwen was holding my XXXX payment in " suspense '' and had held the previous month in the same fashion causing 30 days late 's to the credit bureaus. I CONSIDER MY ACCOUNT BEING HELD HOSTAGE BY THE GATEKEEPER OCWEN and request that you review these unlawful activities? Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-02-26

Centerville Branch, GA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-02-26

Keyport, WA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: FDCPA violation.15 U.S.C. 1692 clearly uses verification not validation of the debt. Verification generally means some sworn document or affidavit. I have repeatedly requested this information from Ocwen. They have only sent documents like copies of the origination paperwork. These documents do not provide verification of the debt, do not provide copies of the wire transfers, or any other evidence that would provide verification of the debt nor information concerning the current creditor. Make no mistake, this debt is in dispute and my requests have been insufficiently responded to. Ocwen is required and duty bound in the statute before collecting or enforcing the debt to obtain verification. And that means they cant verify it themselves unless they are the actual lender. And the statutes says pretty clearly that they must give me the lenders name and contact information past and present. If the servicer knowingly proceeds when it KNOWS there is a question of title, a question of who is the creditor, and knows that this loan was sold to third parties that have not been disclosed to the Trustor nor the Trustee, then the trustee is more than a nominal party, to wit : they are a co-venturer in a fraudulent scheme. The Washington State Sec has issued me Certificates of no record for both XXXX XXXX or of XXXX XXXX XXXX XXXX XXXX. As such they have no legal right to conduct business in Washington State and therefore no ability to grant legal authority to authorize any foreclosure or collection activity in their behalf. You know or should have known that this is an invalid trust as the information is readily available online through their site and I have informed you as to the issue.. I have brought this issue to your attention, and by ignoring them, you risk becoming legally a party to Fraud in Fact by Deceit ( Obfuscation and Denial ) and Theft, Fraudulent Conveyance, as well as Theft by Deception and Fraudulent Conveyance. You have been duly notified of the issues and therefore you are obligated to verify their veracity. To ignore them will put you in legal jeopardy
Company Response: Closed with explanation

Timely Response

2019-02-25

Long Beach, CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-25

E Northport, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-25

DE

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. Loan # XXXX, Tax Parcel # XXXX. Has filed a claimed against a Loan in the lower courts in the State of Delaware under the name of XXXX XXXX. XXXX XXXX allegedly sold the note to Ocwen Loan Servicing, a debt collector. Ocwen Loan Servicing is refusing to help the next of kin or Transfer the Deed to the heir of the property. Thus, not allowing the Personal Representative to be able to obtain a modification and pay on the property that the family wants to keep. XXXX XXXX has hired an aggressive attorney in the State of Delaware to foreclose and Owcen is playing a lot of games. Ocwen refuses to tell the family how they obtain the loan? when did they obtain the loan? What was the balance when transferred? how much was paid on the loan when the deceased was living?
Company Response: Closed with explanation

Timely Response

2019-02-25

NV

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: This complaint is in regards to Ocwen Loan Servicing LLC predatory billing and excessive charging practices. In XX/XX/2019 I requested a pay off demand and a reinstatement demand on my loan. I received a pay off demand with a balance of {$200000.00} that was good through XX/XX/2019. And a reinstatement demand that was good through the same date at {$19000.00} for the loan and {$1900.00} for other miscellaneous amounts. I immediately sent a cashiers check for the full amount owing and it was received before the good through date and confirmed as processed by Ocwen. My next payment was not due until XX/XX/2019. So I attempted to make my payment today XX/XX/2019 and to my surprise there was a new charge to the account in the amount of {$1200.00} on top of my monthly payment. I called Ocwen and asked what the charge was for, they said attorney fees that had just come in. I asked if these attorney fees were included in the pay off demand and reinstatement demand? There answer was no. I asked for them to be removed and they refused. I then pointed out that if the loan had just been paid in full with the pay off demand provided good through XXXX/XXXX/19, then they would not be able to charge these fees. The answer was yes that's correct. The result of this action is predatory and Owcen is bulling me into paying extra because I reinstated the loan instead of paying it off. If Ocwen failed to get an accurate pay off when it was requested that is their error and negligence. Ocwen needs to be held accountable for their mistake and honor their pay off demands. Had this loan just been paid in full they would have no recourse since a pay off demand is deemed good. So why are they now charging my account more? This I feel is a standard practice of theirs and is predatory in nature.
Company Response: Closed with explanation

Timely Response

2019-02-25

South Florida, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Ocwen. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. Instead of providing these accommodations, XXXX XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded by sending me a loan modification via express mail that had conditions that I could not refuse the package. I have been contacted by Ocwen at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least five times. Ocwen a has reported me as delinquent to the credit reporting agencies and ruined my credit. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-23

Homewood, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-23

Chalmette, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-23

Palmetto, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-23

Los Indios, TX

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened to sue you for very old debt
Complaint: I am being contacted by a law firm for ocwen threatening foreclosure and to sue me for attorney fees despite XXXX of debt paid into a chapter XXXX and on the advise of counsel converted to a chapter XXXX. I have asked for assistance year over year. It is clear my loan was a part of mortgage fraud and greed. Yet I am left with nothing. Ocwen did not once attempt to call me. Everyone once again trying to get my home and equity to profit of me. My home did not close the sale because ocwen stated I owed a discharged paid debt from XX/XX/2005. The closing fell through.
Company Response: Closed with explanation

Timely Response