OCWEN FINANCIAL CORPORATION

2018-11-26

Center Moreland, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-11-26

Almonesson, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-11-24

Patterson, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: After being approved for modification and making the first two payments I am being told I am in arrears and subject to forclosure.
Company Response: Closed with explanation

Timely Response

2018-11-24

Silver Spring, MD

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Sued you without properly notifying you of lawsuit
Complaint: XXXX XXXX obtained a judgment against me for a mortgage foreclosure despite many issues related to the mortgage servicing company. I have been attempting to contact XXXX XXXX to determine the status of the debt but have had no luck reaching the right folks. The property address is : XXXX XXXX XXXX XXXX, NY XXXX
Company Response: Closed with explanation

Timely Response

2018-11-23

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: I obtain ownership by grant deed of my address which is XXXX XXXX XXXX XXXX XXXX California before obtaining his property I went down to XXXX they said it was no leans no loans owed that was ever recorded against the property even with the previous owners the previous owner XXXX XXXX and XXXX XXXX which XXXX XXXX is deceased he has been deceased since XXXX XXXX late last year in XXXX Miss XXXX XXXX won a settlement against Ocwen loan servicing of its long and mortgage practices by the bureau the state of California XXXX XXXX XXXX XXXX and in XXXX of XXXX is when I gain ownership by grant deed of the property. Recently I was aware that the property has been sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX mortgage servicing and I have several documents which is from XXXX courthouse for notice of vacate stating that my property was sold. I found a cp10 form writ of possession and included my documentation stating that I was done. The only owner of this property XX/XX/XXXX at XXXX XXXX which I was given a court date XX/XX/XXXX. XXXX. When I appeared on this date the judge neither called my name and it was my documentation that I filed for the writ of possession cp10 form instead he called XXXX XXXX and XXXX and XXXX XXXX which XXXX XXXX is deceased when I approach the bench to notify the judge that I was the owner and I filed for this writ of possession the judge was angry and said where is the bank yelling where is the bank he kept yelling I said I'm the one filing this motion your honor he said what documentation what proof do I have of ownership once I showed him the ownership he proceeded to do an illegal motion on the bank 's behalf which is illegal cuz the bank wasn't even there I also notified the state of California XXXX XXXX XXXX XXXX and I am seeking other legal services at this time to correct this mistake I have documentation paperwork of everything that I'm saying is true and the person that XXXX XXXX use to file a writ of possession for {$10000.00} for rent fees wish this never been a rented property they used a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX I ALSO TRIED CALLING AND THIS COMPANY NUMBER IS NO LONGER IN SERVICE TO MY KNOWLEDGE I'M THINKING THAT THESE PEOPLE ARE TRYING TO STEAL MY PROPERTY AND MANIPULATING THE COURTS TO DO IT PLEASE HELP AT YOUR EARLIEST CONVENIENCE THANK YOU XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-22

Jacksonville, FL

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

2018-11-21

Brooklyn, NY

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

2018-11-21

Wilmington, DE

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: We applied for a line of credit on our home and was informed that there was an open lien on the property from XXXX. When we researched this on the XXXX XXXX County Recorder of Deeds web site we discovered there was a mortgage that was not showing as satisfied. Through weeks of research and back and forth with XXXX XXXX and Ocwen we are unable to resolve the issue. XXXX keeps saying that it is Ocwen and Ocwen say that they are only responsible for loans after XXXX. XXXX is the company that placed the letter of satisfaction on the incorrect loan back in XXXX. Please help us with this. We have done nothing wrong. Always paid our debts and now we can't get a line of credit because XXXX filed a letter of satisfaction on the wrong instrument number. Please see latest email chain below with more details.
Company Response: Closed with explanation

Timely Response

2018-11-21

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-11-21

Charlotte, NC

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

2018-11-20

Saint Augustine, FL

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

Timely Response

2018-11-20

Kahului, HI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-11-20

East Rockaway, NY

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: My mortgage initiated with XXXX XXXX XXXX than transferred to Ocwen Loan Servicing. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. Ocwen Loan Servicing or XXXX are been fraudulent reporting information and or investigations because the information has been removed from both XXXX and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( Child Support Service ) said that it was an error reported on there behalf and XXXX refused to remove.
Company Response: Closed with explanation

Timely Response

2018-11-20

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

2018-11-20

Kawaihae, HI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Hello! Re : Lender XXXX XXXX formerly XXXX XXXX Loan # XXXX I am writing you this letter of complaint in respond to the recent letter received from OCWEN under CFPB Case # : XXXX. After a careful review of the said letter, I realized that the bank that I should need to question should be XXXX XXXX. The moment I read the copy of the Fixed/Adjustable Rate Notice, I/we ( my husband ) were in total shocked! I recall XXXX calling us all the time and later convinced us to sign up for a great fixed second mortgage loan in which we later on decided to it with payments of at least {$600.00} or so each month. However, it was only agreed based on a fixed rate, not adjustable or it will not be entertained - for both 1st and 2nd mortgage. There was no way for any lenders to convince us on switching our fixed rate into adjustable, period! Otherwise, we believe the letter is not true! Also, Id like to know the previous name of the lender with the loan # before XXXX took over as I believe that our original interest rate was roughly 4.5-4.99 % fixed for 30 years ( home mortgage loan ). We acknowledge the signatures, but we have not seen this letter nor would have signed/approved for it! Again, we purchased our house at {$210000.00} in the year of XXXX. The letter from XXXX Bank was dated back in XX/XX/XXXX. Therefore, we would like to request them to send us all copies on how they came up with the {$340000.00} from the original/initial purchase at {$210000.00}, that is a difference of {$120000.00} plus the second mortgage loan of at least $ 60K or so? So my questions is, where did the money go? We didnt we see any money that was issued or deposited to our bank for over $ 100k? I need to see a deposit amounting the difference, copies of the checks and what bank it was deposited to? So we would like to know how they have acquired the amount of {$340000.00}, plus the second mortgage? That is a lot of money for us to borrow and why would we need that in the first place? Now, we need to see all the breakdown and calculations for both 1st and second mortgage, including : 1. 1st and 2nd mortgage payment LEDGERS, 2. Bank name we use to pay the 1st and 2nd mortgage so we can check them against our our bank for facts and proof. 3. Copies of all loaned money showing the check # and which back it was cleared under? 4. Full detail explaining on how the total from@XXXX went up to {$340000.00} in addition to the 2nd loan mortgage??? 5. And all other facts proof of all the entire calculations from day one since you took over! Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-19

Katy, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Once again Ocwen is claiming ownership to the property address XXXX XXXX XXXX. I tried for a modification with Ocwen from XXXX. I stopped when I found out the loan was a fraud Ocwen has attached the loan to a backdated old debt which is time barr to collect and file a law suit Ocwen put a modification on the home in XXXX and never sent me the papers to sign. I only found out when looking at the statement they sent. I requested the modification papers with signature they could only provide a blank signed paged. Ocwen added another modification to the home in XXXX XXXX after telling me I did not meet the dead line of 37 days per their attorney Ocwen approved a modification without my signature again in XXXX. I contacted Ocwen and asked how did they approve a modification without my signature. They apologized and stated it was a good faith modification to help the consumers out. I demanded they remove the modification as their attorney had already admitted in a letter they were not in the origination of the loan. Ocwen now has the home for foreclosure and I have not been notified nor did Ocwen. Ocwen is pass the status of limitation to foreclose on the home. I have not sent any payment to Ocwen since XXXX when they stop taking payment as they claim to have obtained the loan via transfer of assignment Ocwen has not been able to prove the transfer chain from the origination of the loan. They are just going to take the home and not follow the laws
Company Response: Closed with explanation

Timely Response

2018-11-17

Scottsdale, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: OCWEN is our mortgage loan servicer, but has refused to provide the opportunity for our mortgage loan to be reviewed for retention options. Instead, they have been pushing for a foreclosure sale that is schedule for XX/XX/2018. We reached out to OCWEN six month ago when we were only three months behind on our payments, but their representatives and process is not providing us the assistance that we should have received. They claim that they can not change the terms of the loan to make it affordable, but we are making plenty of money and can afford our mortgage payment. We do not feel that we have a real single point of since it is impossible to get a hold of her. We can not understand their representatives when we call in, are tired of fighting them and would rather work with them, but this has proven to be impossible. We have been given the runaround for six months as they have consistently denied us access to mortgage assistance options. Never have the offered us a foreberance, payment plan or a modification over the last six months. They only say for us to pay the entire past due amount, plus attorney fees, or get out of our home. From the start, this was a bad mortgage as we were put into an interest only loan when we purchase our home. Then, when we refinanced, our situation only got worse, as the refinanced loan put us on the cusp of affordability. When we had a detrimental financial event, we fell behind on our mortgage. Our hardship began last year when my wife and I both lost our jobs and then we had family members who fell ill. We quickly got back on our feet and tried to work with OCWEN , but they have denied us twice and never sent us denial letters. We had to find out over the phone and feel they are being deceptive. Their lack of cooperation is at the very least unethical, but maybe illegal, as they should be willing to help homeowners. I see that they fined over {$2.00} billion by our government, but we question if that made a dent in their behavior, as they seem uninterested in helping us. We have been treated unfairly by OCWEN and need help dealing with them.
Company Response: Closed with explanation

Timely Response

2018-11-16

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-11-16

Mill Creek, IN

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

2018-11-16

Andover, MN

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

2018-11-16

Caro, MI

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

2018-11-16

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

2018-11-16

Lynnfield, MA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-11-16

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

2018-11-16

Richmond, VA

Trouble during payment process

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Timely Response