West Palm Beach, Florida
United States - 33409
Like everyone says its too long to put here. I applied for a modification in May and was approved. They said we will send agreement, sign and return etc etc.No agreement sent. I called to inquire but time was expired on that agreement, so I applied again and was denied. I called to resolve situation and ask for resolution to this matter, they said reapply. I reapplied and was approved...NO agreement sent again!! May, June, July, August, same story. The last one was on Aug 11, no agreement sent for me to sign. Today I got the notice that my house was sold at an auction. Time to move out, is this right or what. Do I have any legal stand here, or do I just "take it"?? Anybody anywhere have reliable information I would deeply appreciate it.
Who knew Ocwen would be such a blood sucking company i have been struggling lately to make my mortgage payment they offered me a "Cash for Gold “offer you send in your jewelry and they appraise it an then apply it to your mortgage. I was shocked not only are they failing to communicate with me in regards to my Modification they have lost my paper work 3 times. I have filed with AG and the BBB and I found out they have thousands of complaints. ANY OUT THERE WHO IS HAVING PROBLEMS PLEASE COMPLAIN. It is the only way they will be audited. they have bought a company in California HomEQ Servicing that does mortgages and they are planning to fire all the people because there jobs are outsourced to India. A lot of people are mad about these companies taking all the monies for fees and interest and failing to get customer info detailing theses charges. I am for sure that this company is looking out for its Shares and not its Employees Nor customers i know because of the way THEY TREAT CUSTOMERS IS AS IF YOU ARE LOWER THAN THEM. So PLEASE ANY ONE OUT THERE HAVING ISSUES WITH "OCWEN SERVICING OR ANY OF THERE SUSIDARIES PLEASE DONT WAISTE TIME MAKE COMPLAINTS ON BLOGS, OFFICAL SITES OR TO THE COMPTROLLER.
We did'nt get a mortgage statement for August.and NO -one returned our calls for assistance...we sent it...
Ocwen took over our loan in November '09. From the first day they took over the loan they stated that we were behind on our mortgage which we weren't. We faxed all of information from our bank showing we were not behind but they never got it. In January '10 they put us in pre-foreclosure, we called only to spend 2 hours on hold then finally someone picked up speaking some foreign language once he realized we spoke English he began speaking somewhat understandable English. We told him that we faxed proof of all payments and "poof" suddenly appearing in front of him was all the paperwork we faxed them so we thought it was all taken care of. In February '10, we got a $700 bill from Ocwen for property insurance because they said we didn't have homeowner's insurance. Again, after spending close to an hour and a half on the phone we got that taken care of. We hadn't heard anything for a couple months. In May '10, we received three bills from Ocwen telling us we had 30 days to pay our property taxes, again in June we get another letter demanding we pay our property taxes, now here's the funny thing. Our tax bureau sent us a receipt dated July 1 showing Ocwen paid our taxes, however the letter Ocwen sent us which was dated June 30, told us that we had 30 days to pay?! So they took it upon themselves to pay our taxes before the end of the 30 days. On June 3, we began applying for loan modifications, the first time they told us we had negative income but they refused to count all of our income. July 8, we reapplied for a modification, this time they told us all of our income would be counted, but still we didn't qualify because they didn't receive all of our paperwork. July 15, we refaxed everything and sent the same paperwork certified. Here's where it gets interesting: We got two letters from Ocwen dated the same day, July 18. The first one says that they cannot do a home modification under the HAMP because it would change our terms. The second letter, dated the same day as the first, said that we have negative income so they can't modify the loan. So how on one do you have all our income but the second you don't? Yesterday, we again received pre-foreclosure papers because they are saying we are two months behind (which we aren't) and that we owe $1600 in tax advances. Our property taxes that they paid were only $865, so were is the other $735 coming from? They also let us know that they are raising our payment by $150, but they won't send us any information on why they are raising our payment not have we received anything showing that they paid our taxes and where this extra $735 is coming from. We are both laid off and receiving unemployment, there is just no way for us to come up with all this extra money to pay them. We are at our wits end and I truly think this company is out to ruin people's lives.
I have been sending more than my payment ever month, instead of them applying it to my principal account they put it in a suspended file and at the end of every year wipe it clean. My account does not show my extra payments and this has been going on for years. I have called and emailed but no one can explain where the extra money went or what a suspended file is .They have also billed me sometimes 5 or 6 times on the same day for the same thing.(property inspection fees)and(certified mail fees)Rip Offs
Ocwen has been over charging me in my escrow account for years and same as others they tell me I am behind in my escrow payments and wanted $137 more each month this year for taxes when mine actually went down to veteran's exemption! There were numerous occassions where they forgot to pay the taxes forcing a lein on my property. The att general in ct had to intervene. This year they asked me for $1000 more when I had an over-payment this year. I have been trying to get a mtg pay off amount and they keep refusing to send it to me!
My statement at end of year has been incorrect twice claiming they paid the town over $8400 when they really paid $5770. I am asking the ag in ct for a full investigation!
Saxon transferred my loan to ocwen loan servicing and it has been a nightmare. I created an online account so I could log in and pay my bill, two months later ocwen locked me out of my account, I called and I as told there as technical difficulties with website and to mail in the payment. I did. Ocwen did not inform me that they had increased my loan re-payment amount. I contacted to assist me with a loan modification. I was told they would assist me. They did not so I hired the financial law center to assist me. Ocwen has my may 2010 payment on hold and has not applied it to my loan for $9400.00, then returned my check #1638 amount $9600.00 with a letter stating I as in foreclosure. I called ocwen and ocwen informed me they would not work with me. I talked to sylvester at ocwen and he informed me that they would not modify my loan. I need assistance with this matter and I really would like my loan to be with another company that is ethical and honest.
In august 2009, our loan was transferred from taylor bean & whitaker to cenlar, then to ocwen in nov. 2009. Some checks might not be processed on time due to the transferring process. For example, our loan was transferred to ocwen on 11/16, but the payment was due on 11/16. We had to send the payment check to cenlar before the payment due on 11/16, when our loan was still with cenlar. Ocwen applied our september 2009 payment to august 2009, and so on as shown in the letter from ocwen. I called and written to the cenlar, taylor bean, ocwen and the freddie mac and sent the proof of the payments (Copies of checks and bank statements) many times. Ocwen never clean our credit report, which caused a lot of trouble in our refinance..
Ocwen..dishonest and by far the worst mortgage company we have ever dealt with..leaving them behind very soon.cannot contact them, cannot get a payment coupon, trying to charge us for a payment we have already made, fees they charge to pay by phone, no grace period after due date, the list goes on and on..oh and not to mention talking to foreigners and rude very rude people who dont care.I advise anyone to find another mortgage if you can and i think Ocwen should be investigated..they will reap what they sow.I will have a few choice words one day when the timing is right!!
Ocwen took over our home loan from saxon mortgage services after almost 7yrs. We never had any issues with...
I have read numerous complaints from Ocwen homeowners subject to lose their homes and I have joined their numbers.
After complying with their request to completing the necessary forms, you later find out that the forms submitted
is incomplete per their automated system. So what forms are incomplete? The majority of homeowners cannot
even talk with anyone at Ocwen. If they are lucky they will get a person who speaks very little English.
Since thre are so many complaints, is there anything that can be done thru the Complaints Board?
Folks, ocwen received a $659 million dollar grant from our government to modify your loans. Call the gao, your state offices which oversea financial issues and make complaints. There is also a lawsuit being handled by leif, cabrasser out of ca. Call and write to all the media outlets; someone is bound to take notice. Also, it's possible that if the mtg.Co. Or servicer, does not have the original note, they may not be able to foreclose.
Ocwen reported me as 150+ days past due, when I only skipped two months to get approved for the home remod. I never hit 90 days of not paying my mortage so they could not foreclose on my home. I was approved for the remod, but they are reporting my credit like I just didn't pay them for that many more months. I was expecting the 60 days past due, but the 150+ is rediculous.
I also dread calling them because I always get someone in india. Can I please speak to an american or someone who speaks clear english??? I would go to another lender if I could, but I am stuck.
I had my mortgage with Taylor Bean and had set up an automatic withdrawl from my checking account in August. Online info said it was confirmed, but nothing was taken out. Then I learned of the bankruptcy and kept trying to get information. Finally received one letter from Cenlar saying use the payment coupon, but there wasn't any payment coupon. I called them repeatedly and asked them to send me the coupon book and instructions on how and where to pay my mortgage - nothing came. I finally got thru to Cenlar and authorized payment for two month to be taken out of checking - asked again for instructions and coupon book - nothing came.
Several months later I accepted an 800 call(usually don't answer toll free numbers or numbers that i don't know - too many scams out there) and they were transferring mortgage to Ocwen because they handled their collections with troubled accounts. I asked again for instructions and payment book and they said they would make a note in my file. I've accepted about 4-5 calls from their account representatives in Mumbai and paid another two month's worth, asked for instructions and coupon book - nothing happens. My mortgage is dated May 29, 2009 and I've received one letter from Cenlar, nothing from Ocwen, and I still don't know how to pay my mortgage. I'm going to have my lawyer get involved before my 700 credit score is down to zero.
After reading all the complaints about Ocwen, I can relate because everyone's story is exactly the same as mine. I am trying to modify my mortgage for months now. I have faxed and emailed the same docs too many times to count with customer service telling me they have not received them. You have to speak to someone in India who has no clue. VERY FRUSTRATING TO SAY THE LEAST! These idiots are screwing with your home and could care less. I don't think they really want to help. You cannot speak to anyone in the US who has a good grasp of the english language. Something needs to be done and we should start a class action lawsuit. If anyone has any ideas please contact me. HELP!
I can't even express how much I hate owcen. Sadly, since I didn't even know about them until they bought my loan, most people getting loans may not know about them either, until it's to late.
For starters, the first year they had my loan, they didn't pay my property taxes and reported them paid on my tax statement. Then I got a check from them for an over payment in my escrow account. Not a concern since it was a new loan and figured they'd figured to high on the escrow withholdings.
Next year, property taxes are reported to me as paid. Shortly after I got a late statement from the county that I owned 2 years taxes. Called owcen and after much fighting, they finally admitted they didn't pay them, paid it and charged me the short in the escrow account.
Then they got the required insurance declaration and took it upon themselves to pay my premium without my consent or knowledge. I’d been making my payments with auto pay on my checking acc for years. They not only paid my one year policy amount, they paid it twice. At least they deducted 2 years from my escrow account, but the payment to my ins co indicated that they paid 2 yrs less the one month i’d paid into that year on my auto pay. They could never provide me proof that they paid what they claimed, so I was just screwed out of the month’s payment. My poor ins agent tried so hard to make them straighten that out and get me my money. But, owcen just could see fit to fix it.
Then last year I made a payment on line on the 15th, with the 16th being the last day before my payment was due without a late fee. They recorded my payment as being made on the 17th, like 5 minutes after midnight fl time when i’m in oregon (3:05 am, yeah, i’m up making online bill payments!). After 3 days of fighting, they finally did refund the late fee.
Now, due to the screw up on the ins pmts, and the ins co refunding the money to me, 2 yrs ago and so I agreed to let them cover my shorted escrow account by adding it to my balance, they have since then been reporting me to the credit bureau as payment on time but & ldquo;paying under a partial or modified payment agreement”.
Anyway, that's most, but not all of the issues i've had with this company. And, did I mention that I really hate them? Good place to stay away from!
I have been dealing with them for years and still don't have answers to my questions. I am tired but up for a group fight. Anyone want to join?
Okay.. There has to be something that can be done about this company. Last year, they "helped" me get my loan back in order... Hey, thanks. During the 3 month catch up, we were paying as agreed.. And they forced us into forclosure. When I called the forclosure lawyer in cleveland, ohio, his secretary would not let me speak or make an appt and rudely hung up. Then, when I called ocwen, they stated that after the one more payment of the agreement, they would cancel the forclosure. Only to charge me over $4, 000.00 for the forclosure process.. So, now, I have owned my home for 5 years and I owe more than 6000 more than I originally did. Now, everytime I am late, I get over 200.00 worth of misc. Charges. When I call and want the printout of everything they are charging me for... I get placed on hold or disconnected.. And.. They can't even explain them! The denied 2 payments because they wanted the following month as well... Well, guess what, beat them at that! I sent a check usps with delivery confirmation.. Wow, they had no problem cashing that one! Most of the time, my checks never reach there, then I have to use thier 12.00 online bull. Oh... And president obama stated no more charging for online payments??? Well, tried to make my feb. Payment thurs, friday... And today it takes it... (10.00 charge). The deal is, I have been unemployed for 2 years. I buy and sell things to make money and pay my note until things open instead of close around here. This is a family home that my grandparents bought in 64, passed away in 96, that I bought back in 05. How are we supposed to make the houses nice?? How are we supposed to afford things to make the home worth more? And they also were charging me $2000 a year for insurance because I could not get the home insured because of the garage on the property. I fixed the garage and now, they call everyday several times a day since I had new insurance put on the house (481.00 per year). They refuse to reduce the housepayment. My housepayment started at 414 per month, which is affordable... But now... 709?? I thought getting insurance that low would give me the ability to basically afford my home, but they won't stop taking out 197.00 per month for their insurance! I have written to the atty gen, heard nothing back... This company has to be stopped! I can not call there and speak to anyone anymore. It's too frustrating. I'm going to end up having a heart attack for the love of god.
I have been an OCWEN Loan servicing company since 2005. I have had nothing but horrible service from them. The company has a very confusing and misdirecting phone tree that leaves incomplete options, and when you do get a human being, they are in india, unable to assist and unable to direct you to a supervisor. Apparently there are no live american associates in the company who you can direct your frustration too. They have a horrible bbb record with numerous complaints and do not seem very responsive to their customers. If I had to do it all over again, I would never have used a Mortgage broker who ultimately sold my loan to the wretched company. As the economy continues to falter, I have no choice but to ride this out until I can successfully make a change to my mortgage holder.
My loan was was brought current october. I have a copy of my reinstatement quote and wire transfer. I have made every payment on time since. Now on my march payment they are coming up with trustee fee's over $ 650.00 due on the 1st. For fee's they should have charged my on the reinstatment quote, almost 4 month's later. To me this is a way to get me in forclosure again. I owe $200, 000 on a home that still apraise's over 350, 000. I feel they will do any thing to get my house, there is too much equity for these guy's not to try and stell my home