OCWEN FINANCIAL CORPORATION

2018-12-26

Garland, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-26

Columbus, GA

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: The company I am having an issue with is Ocwen Loan Mortgage Company. They reported a XX/XX/XXXX payment late and I've never allowed any payment to pass its 30 day reporting time. Also, all of the accounts are current and in good standing and they are not reporting it to the Credit Bureaus. This is preventing me from refinancing and attaining a better mortgage rate. This is not the first time I've had this problem with Ocwen. I seriously believe they are trying to sabotage my opportunities for refinancing. Because I have expressed how disgruntled I've been with their customer service and business behaviors. Can someone please help me? THank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-25

NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My husband had borrowed in my current house.The entire loan was on his name. I have been trying to instate myself on the loan so I can retain my home. Ocwen is not reinstating me on the loan due to a bankruptcy done by my husband. They are offering a loan modification to my late husband. I want to keep my home. I have provided all the proof and I have a great job. I am a XXXX and have done everything right in my life. Its my bad luck that my husband did not look out for me. I have a XXXXr and an XXXX year old mother who live with me. They depend on me. It will be a shame that I will lose my home for some silly paper work. I am willing to work with Ocwen. I have contacted them several times. Please help me save my home
Company Response: Closed with explanation

Timely Response

2018-12-22

Indian Creek, IA

Closing on a 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

2018-12-22

Coalinga, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Ocwen Mortgage Company will not grant me a modification, i was Willed my grandmother s house, and have all the proper paperwork to show I should be entitled to the modify the loan, so i will not lose my the family home, i have submitted the Modification package
Company Response: Closed with explanation

Timely Response

2018-12-21

MD

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I went through a divorce where I was awarded the home through separation agreement and the final divorce decree. Ocwen mortgage directed me straight down a path of ruin, I was told by OCWEN I could streamline my mortgage through modification and remove my former wifes name. I made the three trial payments only to be told the assumption was not possible. I have been through the ringer with Ocwen, they are going to have it there way. I had a direct conversation with the customer service department where I specifically asked " IS THIS THE RIGHT WAY TO GO ABOUT GETTING MY FORMER WIFE OFF THE NOTE : the answer was : YES!!!! Ocwen had the separation and final divorce decree before starting the modification process, the recording proving what Ive said is being held by Ocwen stating, recorded calls are for quality only but offered me a letter of apology. My 3 trial payments were sent to old due dates, I'm not sure they were even behind, now I have to reinstate my loan with a large payment amount only because they directed me down this path, hide information and change the rules to benefit them I've written to XXXX XXXX and his office is opening up communication with Ocwen to get to the truth I fear foreclosure here
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-21

Baytown, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-21

Davie, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-20

Bolingbrook, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-20

Round Hill, VA

Trouble during payment process

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

2018-12-20

Natrona Hts, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-20

Coral Springs, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-12-19

Coalinga, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-19

Burlingame, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ocwen has not responded to us regarding a payment that they incorrectly input into their system. They have not confirmed that they corrected the XXXX payment and made the adjustment to {$2400.00}. I got an email saying that you and ocwen had closed my complaint because it was a duplicate. BUT it is not a duplicate complaint. They incorrectly processed my payment and have not fixed it. Also, they said that they would send me an email with confirmation that they incorrectly made a mistake so I can provide it to our bank but they did not do that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-19

Discovery Bay, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: I applied for a modification on or about XXXX I have tried for years. My husband and I are senior citizens and he is a XXXX veteran. They denied the modification on XXXX XXXX on XX/XX/XXXX I talked with my relationship manager ( if you call into this company you get XXXX they tell you one thing escalated cases tell you another thing no one knows what the other is doing and you can never talk with your relationship manager without an appointment ) he said I could do a short sale. I immediately hired a realtor she did an open house we received two offers and I choose the highest and best the people had a lot of monies in bank and went over asking. They keep denying the short sale and will not put the foreclosure on hold. I keep appealing and they ask for documents over and over and over again this have caused undue stress on myself and my husband so much so that I was put on medication. They would rather foreclosure and take less then the offer. This tells me and I question the right to enforce the note in California they need to prove they have the right to enforce the note they or the trustee will not. Ocwen is the worst company they say they help homeowners they are not. This is our second home I am trying to work with them they refuse the realtor has people waiting to close they would rather foreclose with a credit bid so I am questioning there standing. Please help XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-18

PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX I took out a loan for a very small 1 bedroom home the loan was with XXXX XXXX. Everything was going great my loan was going down I paid on time every month. In this loan the insurance was already included as well as the taxes. In XXXX XXXX went bankrupt my loan was sold to XXXX and that when the nightmare began they was charges constantly added my account and the starting charging for flood insurance I repeated told them to remove these extra charges there also late fees extra and my payments were on time. There payments I made not applied extra. We called and called nothing was removed and no one spoke clear English. XXXX the loan was sold off to Ocwen the problem got worse they now said I owned {$13000.00} on 15 year loan I been paying on since XXXX. Property preservation charges they never came out there Did anything. Then XXXX they said my loan was done which should been and sent modification papers. I asked see all my documents that they had reguardinf payments. Attached to this was payment schedule OCWEN now had my home loan for XXXX draw out into 30 years in showed from day one in XXXX - XXXX. With homecoming my loan was going down in XXXX. But with this that they made up it had I been paying 15 years and I still owed XXXX as of XX/XX/XXXX. I tried everything get them to clear the problem. Then this summer they sent a court hearing to for close from a company named XXXX XXXX they now had my loan and attorney named XXXX XXXX XXXX. The papers were sent to my old address of XXXX XXXX XXXX I never got them to go to the hearing then in XX/XX/XXXX. A sheriff found my home by talking to my old neighbors and serviced them to me. There was two hearings that I never attended because I didnt know about them. I called the court house they told me call the attorney and company. I tried and tried and u call and they both say they are debt collectors. The amount now that they have there seeking including false charges of mowing the grass and taking care of them. Came too {$19000.00}. Yesterday we received yet another paper saying the foreclose date and another {$6000.00} added on for even more charges. I cant afford an attorney but clearing fraud and I have had these people and there getting away with. They have written in this foreclosure I never made any attempts to ever pay my mortgage. Are u kidding my total with taxes and insurance I have paid {$40000.00} in 15 years. This fraud what they done to me and ruined my credit ... please help me .Also if look at the documents I am going to upload on the paper that is not my signature its the person filling out the paper. Also and of course there is no name of XXXX, XXXX, Ocwen it looks as though I never made any payments ever. If that case they should foreclosure a long time ago. This isnt right that they are able do this to people. They send papers too that said your payment now {$230.00} and then go up again ... I dont know but I do know this there something that clearly happen to me that should have. If you look at documents I attached you will see how late fees on me when I paid on time sometimes two payments a month ... I included to show a print out I sent them at the time this was from XX/XX/XXXX through XX/XX/XXXX. Please help me if you need anymore papers please contact me. Also have what they charge us and send by certified mail things try and make me modify my mortgage with them ...
Company Response: Closed with explanation

Timely Response

2018-12-18

Atl, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-18

Houston, TX

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: Over the past few years, Ocwen began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. Ocwen corrected the issue on 2 or 3 occasions with oversight from Texas XXXX. I was denied credit today as XXXX is reporting an Ocwem foreclosure and negative in city from XXXX. I have never heard of XXXX. I need this matter corrected immediately. Kind regards XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-18

Gloucester City, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On or about the yearXX/XX/XXXX my mortgage company was XXXX XXXX XXXX. I was put on a program of weekly mortgage payments, applied weekly, to save on interest. I was told by the XXXX representative that by implementing this program with applied weekly payments, my 30 year mortgage would become a 17 year mortgage. In XX/XX/XXXX my mortgage was sold to Ocwen Loan Serviving LLC. Upon looking at my online statement, I noticed that my weekly payments were being held in suspense and not applied to save interest as originally intended through XXXX. I spoke to a customer service representative today. I was told that Ocwen doesn't have this type of program. I responded that I didn't ask for Ocwen to take over my loan and was never told that weekly applied payments was no longer available to me.I asked what my recourse was and was told there really isn't anything they can do. I feel that that both XXXX and Ocwen are at fault here. XXXX shouldn't be selling a loan to a company that can't replicate applying funds on a weekly basis. Ocwen shouldn't be buying a loan for the same reason.
Company Response: Closed with explanation

Timely Response

2018-12-18

Moapa, NV

Lost or stolen check

Money transfer, virtual currency, or money service: Refund anticipation check

Complaint: In XXXX I received a check for a settlement with Ocwen ( a mortage company ) It was made out to myself and my ex-husband. Since I was unable to cash it I called the company and they recommened that I send it back voided, which I did. I waited approx 1 month and then called Ocwen. I spoke to someone in the call center who told me that the check was being reissued and mailed to me in Nevada. I again waited a month, which was their recomendation. I then called again. This time they said the check had been mailed to Utah in error. I told the call center to stop payment and was told why? I said someone will cash it, they told me no one would do that they would get in trouble, I told him someone will try and probably suceed. He told me to continue to wait they would fix it. I waited approx 2 weeks then I recieved a call saying the checks had been cashed. I was told that they would do a fraud investigation. They told me to call back in 2 weeks. I have called and called and they continue to give me the runaround. I left a call back number and received a call back number after about 2 weeks and I was told they were sending the canceled checks which never showed up. I again called and was again told be patient fraud investations take time. I'm still waiting. I think the fraud investation should start with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-17

Quartzsite, AZ

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I was contacted today by my mortgage company advising I have not paid my XXXX Mortgage. I was told I had a returned check from the bank and was charged a returned check fee. The escalation rep, XXXX, XXXX, advised my account number was " changed '' in XXXX and would not credit me the return check fee. I have been paying Ocwen with the same checking account for approx. 12 years and I have NOT changed it. I also have made my payments on time. I want the XXXX return check fee credited. My bank also has no returned payment fee on my account.
Company Response: Closed with explanation

Timely Response

2018-12-15

Bel Alton, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I applied for a loan modification in XX/XX/XXXX through the help of XXXX XXXX XXXX XXXX XXXX XXXX. I was granted the mod based on the trial period to start payments of {$1400.00} starting XX/XX/. I paid my payments of {$1400.00} XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as instructed.XX/XX/XXXX i was sent my " congratulations on your approved loan modification letter ''. As instructed a sent back the docs that were to be signed and notarized. This was done by myself one of the borrowers on the initial loan. As done in the past my documents ie., pay stubs, hardship letter, tax docs, application, etc. was the only docs and signatures submitted due to a divorce in XX/XX/XXXXwhich started all the mod processes. I was asked by Ocwen, the mortgage company prior to this mod to send in docs ie. divorce decree, quit claim deed , county clerk recordation, etc to substantiate my divorce and the fact that the other initial borrower ... my ex husband was no longer living in the residence or owner of the property or part of the process. Having done this in the past solidified his name never being required as a signator. As in a previous mod i followed suit and sent in the required docs that stated starting XX/XX/ i was to start my modified monthly payment of now {$1400.00} ( modified interest rate of 3.25 % and will be fixed for the remaining term of the mortgage account as follows {$1000.00} principal and interest, {$300.00} escrow, {$1400.00} total modified monthly payment, maturity date of XX/XX/XXXX ). I continued to make the previous trial agreement amount of {$1400.00} for the month of XX/XX/ and then per mod agreement amount of {$1400.00} for the month of XX/XX/. When trying to make the XX/XX/ payment, i was halted due to a " null and void '' account per the representative i spoke with. Per his notes it claimed my account was null and void due to the lack of my ex husbands signature. I explained to the agent that per previous mods and submission of all the docs pertaining to my divorce, quit claim deed, etc that Ocwen required from me and the county, that his signature was never required. I have in the past had problems/issues with Ocwen due to their unscrupulous and unethical practices of changing up terms and conditions and changing payment amounts hey claimed due to their error in the middle of my contracts again null and voiding my accounts even though i was making payments for which i have NEVER missed a payment in my paying history when having an " active '' account, all this always forcing me to apply for loan modifications where they always then went up in payment amount. This i feel was another ploy because they didnt like the payment amount to force me out of contract AGAIN and have to reapply for another loan modification only to go up in payment amount again or deny me which is consequently what happened. After months of fighting and trying to understand why my account would be closed due to a lack of signature that was never required before, i finally requested mediation. This mediation took place at my local courthouse on XX/XX/. Here i met with the mediator XXXX XXXX and the attorney for Ocwen XXXX XXXX. During this mediation it was confirmed that the account was null and voided due to the lack of signature from my ex husband supposedly due to some new rule where Ocwen no longer respects the documents that had previously requested of me. The attorney for Ocwen per questioning from the legal mediator stated that i simply needed to apply for another loan modification where this time my ex husband would be required to sign if was granted the mod. I explained that i had already sent per the law firms request of me another loan mod app already by certified mail on XX/XX/. As of our court date onXX/XX/XXXX, they claimed to had not received it. The attorney then took the copy of the loan modification application that thankfully had with me that i sent off in XX/XX/. The attorney stated firmly that the modification would be cleared due to the fact that it had already been granted and was initially accepted without my ex husbands signature and that he this time around would need to sign.This was stated both in front of me and the mediator due to the mediators question prompting the response. I stated that i wasnt sure if he would be comfortable in doing that but would try to reach out to him. I have then since been in compliance with all that Ocwen has requested of me ie. additional info, etc. Oddly enough when following up per phone calls to get status updates, etc. an agent asked me if my ex husband would be willing to sign. I stated he would. However i then receive a letter dated XX/XX/ stating that my modification was denied and that i would be facing foreclosure if i didnt apply for an appeal by 14 days of the letters date. Again oddly enough, despite the XX/XX/2018 date that the letter states, i didnt receive until XX/XX/XXXX which due to a death in my family i wasnt home and wasnt able to open letter until XX/XX/. I immediately called and was told to submit the appeal request by email which i did on XX/XX/. I am null and void of the understanding of how my loan mod request was approved initially and i did everything correctly to then unfairly due to " a new rule '' have my account inactivated. And then to have been told by Ocwens attorney during mediation to simply to reapply for another mod which would approved and just have ex husband to sign to being denied. How does this happen to good and decent people who just want to stay in their homes and give literally all of their money/paychecks to make this happen. I could see if this all happened because i was non compliant .... Unfair and unethical!!!
Company Response: Closed with explanation

Timely Response

2018-12-14

Elsinore, UT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ocwen loan Servicing LLC has started to charge a service fee to pay the mortgage payment online. They can not just decide all of the sudden that they require us to go paperless to pay online. There is nothing in my note that says they can change the terms of how I make my payment and charge a service fee. They told me I had no option but to pay the fee in the future. This is one more fee that they have decided to get in bed with XXXX XXXX and make money and it's not necessary. They either need to offer the service to all clients regardless of statement option or not at all, but to change it in the middle of the loan is ridiculous!
Company Response: Closed with explanation

Timely Response

2018-12-14

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-12-14

Portland, OR

Struggling to pay mortgage

Mortgage: Other type of 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