OCWEN FINANCIAL CORPORATION

2018-10-25

Harrisburg, PA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-10-24

Ewa Beach, HI

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2018-10-24

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-24

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

2018-10-24

Indianapolis, IN

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/2005 l paid off my mortgage in full. Ocwen Mortgage began calling me saying they were to collect a dept on my mortgage. Ocwen said the copy of my mortgage stamped and signed and dated by the STAMPED BY THE STATE OF INDIANA was not real. The harrassment and threats stated from Ocwen to take my property. I filed bankruptcy, went to Indiana Housing, refinanced, and recently Modification. On my Modification, Ocwen says l have to pay {$13000.00} to own my home at the end of this agreement.
Company Response: Closed with explanation

Timely Response

2018-10-24

AR

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I NEED A LIST OF ALL PAYMENTS MADE VIA XXXX OR XXXX XXXX BETWWEN XX/XX/XXXX TO XX/XX/XXXX SENT TO RECEIVING CODE XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-24

Key Biscayne, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ocwen Loan Servicing, LLC, has assessed our account the amount of {$8700.00} unlawfully. We contacted the servicing company regarding the matter, in response Ocwen Loan Servicing, LLC, indicated that the fees were not past dues even though it reflected in that fashion according to the mortgage statement, but assessed due to the XX/XX/XXXX foreclosure action. I have attached a notice of voluntary dismissal from the foreclosure action. What does this mean? In Florida in order for servicer 's to collect for legal fees they must either win summary judgment or acquire a final judgment at trial. We never went to trial because both me and Ocwen entered into an agreement and therefore trial was cancelled. In XX/XX/XXXX, the Florida Supreme Court adopted Fla. R CIV . P. 1.525, which states- " Any moving party seeking a judgment taxing cost, attorney 's fees, or both shall serve a motion within 30 days after filling of the judgment. See case no. XXXX, In the XXXX Circuit court of the XXXX Judicial Circuit. You will find that NO JUDGMENT WAS ENTERED, case was voluntarily dismissed and therefore as per Florida Civil Rules, Ocwen is not entitled to have assessed the {$8700.00}. This is Illegal on its face and we ask action immediately by the Consumer Protection Bureau.
Company Response: Closed with explanation

Timely Response

2018-10-24

Chicago, IL

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-24

East Millstone, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: Re : Ocwen Loan Servicing, LLC account number XXXX Hello, Im writing this letter in complaint about monies being improperly taken from my escrow account by Ocwen under the guise of Lender placed flood insurance. I have been going back and forth with Ocwen for a few years now about monies being removed from escrow account as described above. They always increase the amount of flood insurance that is required for my mortgage after I have renewed the insurance at a coverage amount previously set by Ocwen, at the time the policy renews, and then remove money from my escrow account to cover the difference. Last year in my attempt to pin them down and avoid the hassle of being on the phone with them for hours trying to get my money back, I asked them to put in writing the amount of Insurance coverage needed to cover from XX/XX/XXXX to XX/XX/XXXX ( the term of my flood policy ) so that this situation could be avoided. They refused to provide this number in writing but gave me a verbal number and I renewed it for that number in XX/XX/XXXX. But in XXXX and XX/XX/XXXX they removed money from my escrow account again as described above. Even though the policy was renewed for the amount Ocwen had requested it to be renewed for. I spent hours on the phone with them about it in XXXX and they agreed to give the money back and as of this date I have not seen where the full amount has been returned. And they actually removed additional money in XXXX. So I called them back again and I still have no explanation on why they did not return all the money after they agreed to do so nor did they explain why additional money was taken. At this point it appears to me that Ocwen is just engaged in outright fraud, theft and deceit. Ive spent countless hours arguing with them about this issue, and they talk in circles, seem to not understand the issue, promise to return the money and then dont ( they actually returned it one year only to take it back again a few months later with no explanation ), they say things verbally and then refuse to put them in writing, blame other Ocwen departments, they also refuse to disclose who the proper regulating authority that their customers should complain to if they have a problem. As to avoid confusion please be aware that Ill submit this in writing and online to the cfpb and Im sending copies to the United States Attorney General, New Jersey State Attorney General, and to Ocwen as they need to be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-23

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-23

Phila, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-23

Williamston, MI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-23

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2018-10-23

Methuen, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-23

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-23

CA

Struggling to pay mortgage

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

Complaint: This is on my HELOC dated XX/XX/XXXX, When mortgage crisis hit we had to refi, our first, ( this was before programs were available ) Husband lost his job in XX/XX/XXXX, did receive help from Keep Your California. My husband then became ill in XX/XX/XXXX, with XXXX XXXX. Applied for modification with Ocwen ( org. loan done by XXXX XXXX of the companies that was bailout by taxpayer money ) XX/XX/XXXX Ocwen granted modification on the first extended terms to 40 yrs but said could afford the HELOC as it was interest only at the time, pmt XXXX a month. House was upside down at this point. Tried again in XX/XX/XXXX for help with a modification On The HELOC after my husband died, claiming loss of income and hardship, was denied, said could afford pmt, house still upside down. In XX/XX/XXXX tried again after I was told in may of XX/XX/XXXX my pmt would be principal and interest, letter came in XX/XX/XXXX. I called to ask what the pmt would, and i was told I would get that info. in XX/XX/XXXX. Pmt went to XXXX a month 5 yrs to pay, submitted another modification, denied third time, now they said I had equity and to sell it. Hired an attorney to submitt another modification denied fourth time, said my house was worth XXXX I owed XXXX 1st and 2nd. Had an apprasial done came back at XXXX, dismissed the apprasial and they said it ; s worth XXXX said to sell it. Attorney said they are playing hardball. At this point I am going through my savings to pay the HELOC, getting close to not being able to afford the pmt so I reached out to Ocwen. I have tried to refi, don't make enough money because of hardship, I do not qualify for Harp because of there guidelines, and HUD counselors haven't been able to help. Thank You for your time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-22

Fairfield, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-22

Casselberry, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-22

MI

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I inherited a house from my mother in XXXX of 2015 and the house is financed through Ocwen mortgages. I have been trying for several years to refinance the home because Ocwen keeps raising the interest rate every 6 months, and have not been able to, due to most of my income being tips from bartending. Ocwen refuses to work with me and now my interest rate has jumped 5 % in the last 3 years. I feel there is something not right here and Ocwen is not being truthful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-22

San Gabriel, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-22

South Florida, FL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: OCWEN Mortgage Servicing is taking my home through the foreclosure process, even though they have never taken a look at helping me with my mortgage. They have been combative through the court system and I have reached the end of my resources and am in the final stages of foreclosure. I have used several attorneys to try to help me get things back on track from suing them for giving me a fraudulent loan to attempting a loan modification. However, I am so frustrated that they have not helped me with my FHA loan, even though I have tried for the last nine years to get my loan back on track. I had a significant health issue which has left me XXXX since XXXX and have been on a limited income since that time. Due to a malpractice settlement, I was given {$250000.00} and used {$100000.00} of it to purchase my home in XXXX. The loan agent told me that I would be able to refinance my loan to a lower payment and receive all of my down payment back. I contacted him after the year was up and he began the refinance process. He told me that I would get everything that we discussed the year prior. After the refinance was, I was absolutely shocked when I received a check for only {$7000.00} and my payment tripled. I was conned in the worst way possible and basically, XXXX XXXX was stolen from me and I was put into a loan that I could not afford. I burned through all of my remaining money, which I had to live off of for the rest of my life, in order to make the mortgage payment. As I watched my money disappear, I decided to hire an attorney to help me get out of this loan and make things right. I went through several attorneys who said that there is nothing they could do and that OCWEN wouldnt even work with me to modify my loan. This has been an absolute nightmare and OCWEN isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible.
Company Response: Closed with explanation

Timely Response

2018-10-22

VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have repeatedly tried to set up repayment plans with Ocwen Loan Servicing after falling behind a year ago. Each time they found a reason to cancel the plan, meaning each new plan was for a higher amount. Today I set up a 5th payment plan, which will take about half of my monthly income to reinstate my account. I can not afford this ; I had a XXXX XXXX injury last winter, two months ' out of work, and hospital bills. I have always followed their instruction on payments -- always. But their notes seem to show me at fault for " paying late '', though I have not. Please see my attached letter, sent to Ocwen requesting help ( unanswered ).
Company Response: Closed with explanation

Timely Response

2018-10-22

East Rockaway, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Ocwen is using faulty information in the servicing of this mortgage loan. Ocwen has failed to deliver required foreclosure protections. I provided Ocwen with an Error on the mortgage loan. Ocwen has failed to properly respond to a Notice of Error and request for information. Ocwen has failed to properly acknowledge and investigate my complaint. I provided a rebuttal letter to Ocwen indicating the Notice of Error and Request for Information was not properly responded to by providing an answer.
Company Response: Closed with explanation

Timely Response

2018-10-22

Fairfax, VA

Trouble during payment process

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

2018-10-22

Lincoln, NE

Incorrect information on your report

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

Account status incorrect
Complaint: I filed a complaint with the CFPB, in XX/XX/XXXX when I discovered an error in reporting by Ocwen Loan Servicing. Ocwen responded with a letter stating they would correct the reporting with all 4 major credit report companies, ( see attached ). I've been getting turned down for credit cards, so I requested a copy of my credit report from XXXX. The first item on the report is the payment history from Ocwen. It still shows late payments for XXXX - XX/XX/XXXX and a 150 day late payment in XX/XX/XXXX. I just reviewed my complaints to the CFPB, and it shows that I did file a complaint and that Ocwen responded with a letter dated XX/XX/XXXX. Letter states that they would get it corrected. Obviously, Ocwen is a disaster! Please penalize them, and require them to get this corrected on all credit reporting sites.
Company Response: Closed with explanation

Timely Response