Ocwen Loan Servicing

April 30, 2012, I went to www.Ocwen.com to make my payment. I paid online and I have a confirmation number #**. I authorized Ocwen to withdraw $310.71 from my bank account ending in ** on April 30, 2012. I have a letter that informs me that my payment will be credited to my loan within twenty four hours (24) business hours from the date of its receipt. I received a letter from you on May 8, 2012. You stated that my bank has returned my check (online May 1, 2012 payment) number (ACH) in the amount of $310.71 for the following reason: Insufficient funds. I have and had the money in the bank ever since the April 18, 2012 from social security for the May 1st payment. It's still there.

I am sending my activity from my bank to you. Enclosed is the bank statement. I spoke to Melwen (5-15-2012) and 10:20AM. He said that he will. I am enclosing a bank statement concerning this matter (May 14, 2012). I spoke to Mahesh today, 5-22-2012. I will expect a letter of the results of your investigation. All details, my bank number, all. Plus the extra $40.00 taken off my bill. No results yet.

Unfortunately, the time frame allowed for pleasantries has passed, and my patience with your business (and I use that term loosely) significantly overextended. The fact you rejected one (1) of two (2) payments for the total loan amount made electronically on the exact same day (April 15, 2012) is only the tip of the iceberg. Ocwen Loan Servicing has communicated/provided and documented conflicting and false information, oral and written, numerous times throughout the past week. Not only is this conduct unscrupulous, unethical, and illegal, but also such actions have been the direct cause of an increased level of stress, anxiety, and frustration, during an already challenging time involving my efforts to bring my account current and stop all foreclosure proceedings on my home. The following is brief synopsis of the events illustrating the aforementioned claims:

On 05/07/2012, 5:45 PM CST - 9:00 PM CST, I received a check in the mail of $794.00, returning a portion of the $994.00 mortgage payment sent electronically on April 15, 2012, despite the full mortgage payment being made by April 15, 2010, received and processed on April 18, 2012. The largest of the two was returned. No terms stated within my contract stipulate my total payment must be submitted via one check, transaction, etc. The date on the letter indicated it's being sent on May 1, 2012. I did not receive the letter until May 7, 2012, thereby making my account go past the 80-day time frame for the acceptance of single mortgage payments. The time frame between my payment being sent/received by Ocwen and Ocwen notifying/returning, along with my receipt of the partial rejected amount of $794.00, was over 20 days.

With the numerous methods of instantaneous electronic communication methods utilized by Ocwen, in addition to the importance of this information to the me, the homeowner (i.e., home foreclosure), it is clear the delay in communication of this issue was deliberate and malicious. Ocwen has my email address and telephone number. Furthermore, they have used both to contact me. Therefore, it is clear Ocwen intentionally delayed communication of this information to ensure the 80-day was far out of reach for me to potentially resolve this matter without my loan reaching foreclosure status. I spoke with several different agents on May 7, 2012 in an attempt to resolve this matter, providing proof of when payment was sent electronically by my bank and subsequently received by Ocwen prior to the aforementioned 80-day initiation of foreclosure time frame; most significant being Roshini, the Ocwen Customer Service supervisor.

In our recorded telephone call, she requested I fax the documents verifying Ocwen's receipt of electronic payment prior to the aforementioned time frame. She assured me several times she would review the information and contact me via telephone within 24 hours to discuss this issue. Within 20 minutes of the conclusion of this telephone conversation, the documents in question were faxed and successfully received by Ocwen. Despite my immediate fulfillment of Ocwen's request via Roshini, this Ocwen representative has yet to contact me as promised. However, and even more disturbing, during my May 12, 2012, 8:11 AM CST follow-up telephone conversation with Naresh (Ocwen Customer Service supervisor), I learned of the written statement in my account records entered by Ms. Roshini, alleging an unsuccessful attempt to contact me via telephone on May 8, 2012 at approximately 6:15 PM CST, only reaching my voice mail and leaving no message.

You will note my telephone service provider maintains a record of all incoming (missed or answered) and outgoing communications. I received no incoming telephone calls on the date or during the time Ms. Roshini alleged to have contacted me. Therefore, Ms. Roshini (someone in a leadership role and responsible for her own and monitoring the professional ethical behavior of others) knowingly and deliberately entered false information in my records, which is illegal. Furthermore, if she reached my voice mail, due to the important nature of this situation, her actions, at best, show her ineptitude as a supervisor and complete lack of respect for her responsibility to the consumer. Therefore, this communication serves as written notice of my awareness of such actions by an Ocwen representative, in addition to Ocwen's responsibility to protect consumers against the deliberate and malicious entry of false information by its employees, via its internal investigation process, along with any potential legal sanctions resulting from such employee conduct. During this telephone conversation, Ms. Roshini stated the reinstatement quote of $3,918.65 must be paid by May 31, 2012.

On May 8, 2012, 8:02 AM CST - 9:32 AM CST, I spoke with two representatives attempting to resolve this matter without having to pay the reinstatement quote within 20 days; the most significant being Shareen, Customer Service supervisor. Shareen confirmed the aforementioned reinstatement quote indicated by Ms. Roshini on May 7, 2012. Shareen stated/confirmed repeatedly throughout our recorded telephone conversation that the reinstatement quote of $3,918.65 must be paid by May 31, 2012. In addition, I instructed Shareen to send written proof of this reinstatement quote via email to ensure I had written confirmation of Ocwen's acceptance of the aforementioned reinstatement amount, which solidifies Ocwen's legal accountability and responsibility to cease any/all foreclosure proceedings for the aforementioned amount if submitted by the aforementioned date.

On May 12, 2012, 8:11 AM CST - 9:00 AM CST - To ensure my records accurately reflected the reinstatement quote sent via email on May 8, 2012, I again contacted Ocwen Customer Service. I spoke with two representatives, the most significant being Naresh, a Customer Service supervisor. However, I was distressed when he contradicted the reinstatement quote communicated/confirmed repeatedly, oral and written, on several different days through the week of May 6, 2012. Naresh quoted the reinstatement amount of $4,670.10 was necessary by May 31, 2012 to cease foreclosure proceedings. I informed him of my receipt of written confirmation on May 8, 2012 via email of the reinstatement quote of $3,918.65. Furthermore, I told him the amount he was quoted included other fees and the following statement regarding these supposed fees:

"Please make note of the other amounts due on your loan. Repayment of these amounts is not necessary to reinstate your loan at this time; however, it is required to fulfill your debt obligation under the note and the mortgage. We strongly encourage you to contact us to make payment arrangements to repay the Other Amounts Outstanding and Due by calling (800) 746 2936."

Naresh then stated the reinstatement quote emailed by Ocwen on May 8, 2012 was rejected by the owner of the loan. Therefore, the amount of $4,670.10 was necessary by May 31, 2012 to cease foreclosure proceedings. I then asked him who was the owner of my loan, because I had no idea as to whom or what entity he was referring, as Ocwen is the only entity I have communicated with and/or submitted payments to since its acquisition of my loan was forced upon me in 2010. Naresh first stated he could not give me that information because it was confidential, then he stated I had to request this information in writing. Therefore, this is written notice of my request for Ocwen to release identity of the true owner/holder of my loan.

Naresh confirmed my records indicated I was told by several different Ocwen representatives and via email that the reinstatement quote of $3,918.65 be paid by May 31, 2012. However, his records now indicated $4,670.10 was necessary by May 31, 2012 and that he had to submit a complaint request and allow 5-7 business days. On May 14-15, 2012, I spoke with two Freddie Mac representatives, Joyce (May 14, 4:45 PM CST) and Ricardo (May 15, 12:00 PM CST). Both stated if Ocwen continues to refuse to fulfill the terms of the letter they sent, I should file a complaint with the Consumer Financial Protection Bureau, a subsidiary of the Federal Trade Commission. After speaking with Ocwen Ombudsman, Raj, before and after my conversation with Freddie Mac, in addition to their continued refusal to adhere to the terms set forth on May 8, 2012 (reinstatement quote), I filed my complaint with the Consumer Financial Protection Bureau on May 15, 2012.

On May 16, 2012, 6:00 PM CST, I spoke with Ashul, Relationship manager of Ocwen. He again quoted the reinstatement amount of $4,670.10 and that it was necessary by May 31, 2012 to cease foreclosure proceedings. Furthermore, he stated the reinstatement quote I received on May 8, 2012 was outdated and stated he would send me a new reinstatement quote, which specified the other fees totaling approximately $752.00. It was necessary to reinstate my loan. The reinstatement quote from Ashul said exactly the same thing as what is stated in the May 8, 2012 reinstatement quote. This proves, yet again, Ocwen's illegal practices and continued unwillingness to fulfill its legal obligation to the written reinstatement quote for my loan of $3,918.65, if paid by May 31, 2012. I will not keep my money and use those funds to pay my attorney to pursue this matter legally.

How dare Ocwen ask anyone to be patient, when Ocwen is not patient with them. Furthermore, because of Ocwen's complete lack of transparency, its supervisory employees entry of false information into consumer records, inconsistency and inaccuracy of information communicated to the consumer by its representative, in addition to Ocwen's unwillingness to fulfill its obligations and agreements, even if the consumer has fulfilled what Ocwen has required of him or her, I am unwilling to wait 5-7 days. I deserve an immediate satisfactory resolution to this matter. If Ocwen is unwilling to fulfill its legal obligation to the written reinstatement quote for my loan of $3,918.65 if paid by May 31, 2012, I will not keep my money and use those funds to pay my attorney to pursue this matter legally. Due to the severity of this matter, I will allow no more than 24 hours, Sunday, May 17, 2012, for Ocwen to respond.

After a total of one year and seven months, I finally had my modification completed by Ocwen. We started the process with Litton. Our loan was sold to Ocwen. I'm not convinced they are not one and the same. Like many of you, we had to continue to submit our paperwork over and over and over. After realizing we were not going to get anywhere, my attitude was that I did not care. I scanned all my documents requested by Ocwen. I then started faxing them to Ocwen daily. Sometimes up to a hundred times a day. This to make sure they could not say they did not get my paperwork. I then told them I found another home which I would be moving into shortly. I showed them a link to an ad I placed on Craigslist which I was offering to let a family live in my home for free. After about a month of sending faxes all day long and late night faxes as well as my threat to let a family have my house, my modification was confirmed today. From $1,450 monthly to $750 monthly. I'm down to 2.75% for the life of my loan. Want more info? My email is **.

We have tried to modify our loan for about a year now. I have sent in paperwork 6 times myself. Ocwen's mortgage insurance sent in a couple (an attorney 3 times) with the same answer: "You don't have all your paperwork in." Could this be because it doesn't go to one person? We have spoken to Nahid, Pachin, Savrinas, Sachin, and Khamir. Get the picture? All in India. Not to mention the fact that they can't or won't get anyone here in the United States for us to speak to. We do, however, have a case worker in Florida who seems to be better at blowing us off here in the US than they do in India. Regardless, the end result is that Ocwen is a big disappointment overseas, as well as here, and is not here or helping the people that are in need. Shame on you Ocwen!

I was with Litton Loan Servicing and had been trying to get a modification for 2 years as my fiance passed away, leaving me to care for our 2-year-old twin boys. I was struggling to pay my mortgage with the cost of daycare. My kids were not able to get Social Security from their father as he was ill and did not pay enough into Social Security. I had my loan with Litton for 5 years and upon the 5th year (October 2011), I was told my loan was sold to Ocwen. Litton advised all modification paperwork would be transferred to Ocwen to continue making my payments. I have never been late (30 days). I received a proposal to modify my loan from Ocwen on 12/09/2011. I had a balloon disclosure in which I had multiple questions and I had to schedule and call back with an account manager in which I had several questions on the balloon disclosure interest rates, trial payments, etc.

Never once was I advised that my credit was being reported negative. I was told about past due balances: however, when I questioned that, the representatives always indicated they just had to disclose this information, but I was past due because I was under "modification". In my proposal and agreement I signed and faxed back, it was never indicated I was being reported negative to the credit bureau. I was told the payment I made in December went toward loan suspense, thus not making anything due again until 02/01/12, which I paid on 02/06/12.

I paid every payment I was told to pay. When I was offered the modification in December 2011, my loan was contractually current. Never was I told that if I didn't make my normal monthly payment on top of my modification payment, this would reflect negatively on my credit. If I would have known this, I would have continued paying as agreed. The rep that I talked to doesn't care. They have cell phones ringing in the background, they laugh, they eat and think this is a game. My credit is ruined and they do not care nor understand. I have disputed this with the credit bureau per Ocwen. It's easier that way. So they then updated my credit report to reflect $5800 past due that's 90 days late; however, I'm current according to the representative. But my credit report does not reflect this. So I faxed proof and I received a letter advising they reported correctly. I'm not sure what to do; however, I think this company is scamming or trying to get my house as it has equity.

To those of you having a hard time with Ocwen, their main problem is more files than people to handle them. Actually, they are offering more programs to consumers than any other subprime servicer. To reach a competent individual within the organization, try to call their corporate phone number, which is 561-682-8000, between 9 am to 5 pm EST (Monday to Friday) and ask for a representative in the U.S. They have actually been very helpful in all areas, but I must agree they are very difficult to reach, especially within the U.S. On a 1 to 10 scale, I would give them a 6.5 and it would be much higher if they did not lose documents and were easier to reach.

I have an approved short sale for a client and the documentation required was submitted promptly. The closing was extended to May 14th. Ocwen is dual tracking the short sale and the foreclosure scheduled for 4/27/2012 has not been cancelled and Ocwen will not respond to my e-mails or answer my phone calls. Buyers are ready to close, escrow is ready to close, but Ocwen will not respond to any contacts to verify that we can in fact use the 5/14/date as stated in their documentation.

Ocwen not honoring Chase short sale approval letter - I am an agent with Viking Realty, Inc. and I represent Mr. Cory ** to sell his home as a short sale. His property address is noted above. I have received and accepted offer short sale approval letter from Chase dated March 22, 2012. We entered escrow and the buyer had begun performing their inspections, appraisal and termite home inspection and had completed the lender's mandated repairs prior to the issuing of loan documents, spending $1,000. The loan was sold from Chase to Ocwen effective April 2, 2012. I was assured by the short sale closer at Chase that our short sale letter would be honored by Ocwen. My assistant had provided additional documentation to Ocwen per their requirements within the mandated time frame.

We just received a "Letter of Non-Approval" from Ocwen which is demanding that we lower our closing costs or they will deny the short sale. The seller was due to receive an incentive of $20,000 as well as a HAFA incentive of $3,000. The buyer was authorized a closing cost credit in the amount of $4,500. Nowhere in the transfer letter sent from Chase to the seller, Mr. Cory **, did it state that the new servicer had the right to void or alter the short sale approval letter. It did state that the new servicer would honor "all Mortgage Documents". It appears our short sale approval letter would be one of these documents.

Our short sale approval letter expires on May 11 and we fully intend to close before that deadline, assuming the Chase approval is valid and can be enforced. I request that you investigate this matter immediately.

I checked my credit yesterday and Ocwen has a foreclosure on my credit report in 2009. I sold this home in 2004! I called them yesterday and they have no record of me or the property address in question. They said there's no one I can talk to about getting this off my credit report. I'm trying to buy a house now and have otherwise perfect credit. What a terrible company! It's going to take months to clear this up.

My loan was sold to Ocwen also by Litton Loan Servicing and I received a letter in March stating that I owed them property taxes from 2011. If I elect to pay the advance in full at this time, to please remit payment to the address shown below, along with a copy of this and escrow portion will be removed. Easy right? So I sent them proof from my city clerk and county treasurer and my copies of my cashed checks and they still haven't removed and keep changing their story. They made me pay a late fee when I didn't owe one. I have made complaints with the Federal Trade Commission and with the NY Department of Finance.

I refuse to pay money I don't owe and our Government does need to step in and help us with this company. I have been dealing with this for weeks now and I am sick of getting nowhere, and when you ask for a manager or supervisor or someone that can tell you what is going on, they don't do it and give you another excuse. I would suggest that anyone going to this company on their own freewill, needs to have their head checked.

In September 2011, I received a written notice from Litton Loan, LLC that my mortgage was being transferred to Ocwen Loan, LLC. I then received a regular monthly statement from Litton and made my September payment to Litton through my bank, the same way I always have. In October, I received my first monthly statement from Ocwen, and it showed that I had not paid my September payment.

I called Ocwen and was told that it would carry over and that no late charges or credit reporting could happen for the first 90 days of the transfer. I have been calling every month since October 2011. They have sent me letters to notify me that they needed detailed information from me to validate the payment. I have been emailing and faxing this information every time I get the same response from them. It is an endless circle.

When I asked for a supervisor, I was told that there was no one to transfer me to, and when I asked to be transferred to the Ocwen research department, I was told I can't be transferred there either. What? I can't talk to the people, who are actually reviewing the documents that I am sending in to validate the payment? They are adding up late charges and trashing my credit. I have bank statements that I have been sending them that clearly prove I made the payment to Litton Loan, LLC. And I am certain that they cannot show that they ever sent me a September 2011 statement for payment. Please help all of us that are Ocwen victims!

I've been waiting since 8/2011 to get loan modification paperwork from Ocwen Loan Servicing. I was on unemployment for two years. Yesterday, they promised to finally send via email and still nothing was served. Foreclosure paperwork is very shady. Please I want to keep my home.

I made a payment almost a month ahead of time on their website; however, I made a mistake on the bank account number. I called this company a few times that day and other days that I made a mistake to cancel the payment for me. They said they were going to cancel within 24-48 hours. Nothing happened. I made another payment through my bank instead. Everything was fine until I see on my statement that I was charged a return fee for $25.00. I had also written to their main office and gotten a response that had nothing to do with my request of cancelling the payment. I called them today again; of course, their customer service is in India. So they don't speak English right, they read out of a book, they refused to give me the credit and they refused to put someone in the US that I can understand better. I have to deal with India - why?

Did not honor modification, Sold home while in the modification - We had a modification in 2008. Ocwen purchased our loan and did not honor the modification. So, we took out a real estate attorney and sued for breach of contract and we won $66,592.29 in the settlement judgment. Well, Ocwen did creative accounting and placed the monies in this deferred principle on our statement. During this time we have had nothing but issues with them. There are different loan amounts on my husband's and my credit report from them - not one match. Then, I lost my job and had some health issues arise. So, we went to file for a modification through Ocwen which we did get approved.

The interest was supposed to be 2.00095% for 30 years, making our home payments at $635.30 with the first payment due on 4/10/2012 in the amount of $630.15, which was paid. Prior to their verbal approval of the modification, we also qualified for Keep Your Home California program's $50,000.00 principal reduction in which Ocwen would have to match dollar per dollar. That would bring the total to $166,592.29 off of the current loan owed of $ 279,332.01. That would bring the new loan amount to $112,739.72.

Speaking with Ocwen's home retention department, I was told they could not sell my home because I was in the modification process and that they were working with Keep Your Home California. Well, Ocwen sold my home out from underneath us and Ocwen has not responded to the requests of Keep Your Home California, which has been working - or should I say trying to work with Ocwen. Ocwen has not responded to Keep Your Home California, but they have received federal monies to help homeowners losing their homes. If we lose our home, our family of 5 will be homeless and have nowhere to go.

I have tried to contact Ocwen on this issue and have been told that my property is now real estate owned and they can not give me any more information than that and I get hung up on. I asked each time that I called when and how they were going to pay out the settlement from the breach of contract lawsuit, which had the judgment settlement of $66,592.29 (case number **; Superior Court of Sacramento County). Still no answers. Now, we feel as Ocwen has once again ripped us off not just of our judgment settlement, but the monies from Keep Your Home California and the monies in which they had to match. Please have an attorney contact us.

I am representing a client in a short sale. The loan was originally with Chase and after we submitted the short sale package and the offer, Chase transferred the loan to Ocwen. I've been trying to two weeks to connect with someone in the short sale department and I have yet to succeed. I am typically prompted to answer several questions, then I am transferred to someone in India, who proceeds to ask me some more questions, then they say they'll transfer me to the short sale department and they never do. They just hang up on me. This has happened about a dozen times. I've never seen anything like it! It's exasperating! I need help!

These morons have overcharged me due to their lack of paying taxes. I have had loan for 10 years with no problem. All of a sudden, my payment went up to $180 a month and they tell me they did not escrow enough money. It's a simple formula: If your taxes and insurance are $5000 per year, your escrow is $416 per month, right? These people obviously employ foreign workers who are not educated or informed, take our money, which must be illegal, and we have no voice? This is the biggest scam ever and I have contacted the Attorney General's Office in Florida as well as my home state of PA. I work hard and I loathe these kind of thieves. Something must be done to these scheming jackwagons.

We are customers of Ocwen via Litton Loan. I lost my job 2 years ago and have been unable to find employment despite hundreds of resumes being sent out. We have tried 4 times to have our loan modified but keep getting denied. My unemployment has run out and we are now facing not being able to pay our mortgage in full. They denied us because we didn't have enough debt. They won't help us until we are at least 4 months behind in mortgage payments. I can't understand not helping someone before it gets bad and before they can't make the payments. To make matters worse, they send us letters all the time about modifications and other services they offer. We've requested they remove our name from their marketing lists, but we still receive mail and phone calls.

I'm tired of having Ocwen handle our mortgage, but we can't refinance with another bank because our house is worth $10k less than we still owe on it. Not to mention, it is worth $36k less than we originally bought our home for. I don't understand this "making homes affordable" thing going on with the government. It is worthless. No one will help us until we are 4-6 months behind and our great credit is wrecked. We can't get a refinance. Ocwen won't modify our loan and to do a short sale means we can't hold a mortgage for two years after the house sells and we have to at least try to sell it and be behind for 6 months before we can approach the bank for a deed in lieu of foreclosure. Ocwen won't help us. They give us the run around and then send us marketing letters for their modification and products. They are horrible.

Sadly, no one in real power cares about our plights to save our homes, which allows Ocwen to abuse their customers. The positive comments and support information on the Ocwen website is a pack of lies and needs to be updated. I believe that information is also the reason Ocwen is out of control - after all, who will believe delinquent customers complaining for a company who is known for supposedly helping customers maintain homeownership? If Ocwen was helping customers, my research shows that was like two or three years ago at the height of the real estate crisis in 2008. Therefore, that was years ago and that information is outdated and no longer correctly applies to customers like us. Ocwen is not providing needy customers with loan modifications; instead, Ocwen is randomly choosing to foreclose on homes at an alarming rate and most of them are former Litton customers. Litton was bad, but Ocwen is worst. They have perfected their craft by fooling the news media and non-profit associations to provide great feedback.

Every individual complaint on this site has a measurement of bad customer service factors that happened to each of us. There is this lack of non returned telephone calls from the relationship manager, the failure to address certain issues, lost payments, and the failure to accept HAMP modifications from previous Litton customers. The fact that the customer service department is in India is also a huge concern. I encourage everyone to not just write on websites like this, but write to your congress person, attorney general, governor and the news media in your town and the larger ones like CNN, Wall Street Journal, New York Post, Chicago Tribune and Huffington Post. We have a voice and writing on sites like this may make you feel good, but unfortunately it will not save your home, especially since this site removes our contact information from the body of the email. We need to create a website like "Ocwensucks.com," so we can grow together and have a voice. Only then will the government realize there are still homeowners who are suffering at the hands of evil mortgage companies.

Ocwen is getting away with taking our homes because they are unstoppable, unfeeling and simply do not care. There is no sympathy from Ocwen. They don't care that you may not have been able to make the payments because of an illness, death of a family member or temporary loss of income. They only care if they believe you can make the payments over a long period of time. There is no second chance for Ocwen consumers. And right now, it's all about the quick infusion of cash to keep them floating. The Ocwen ombudsman is a joke and should not be trusted. While I was waiting for my account to be reviewed as he promised, I received a letter from Ocwen's attorney read to me from my child! A phone call or email would have been appreciated. Obviously, we all applied for loan modifications to help us save our homes and everyone should be helped. If that includes reducing the mortgage payment for a few months or allowing a customer to skip a month or two, then that should be acceptable.

Although the economy is improving, America remains in a crisis mode. It took several friends in my profession two to four years to land new jobs and that was in the last year. Personally, I watched and predicted Litton's demise by reading the comments on websites like this one. I promise, give it time and Ocwen will face the same reality! Every negative comment on this website is exactly the treatment Litton was famous for doing to their customers. Another idea is to pray for enlightenment and compassion for the employees at Ocwen because the world is round for a reason and karma affects everyone. So if you are behind in your payments and reading this, you have to act fast and do not trust anyone at Ocwen to help you.

It is also important to know that they move fast and will immediately move your property to foreclosure while sending you letters saying they may have other programs to help you. Since after the initial letter of default, they owe you nothing. Please be aware: these jerks will put your house up for sale without notice and, of course, you will be waiting to see if they have another program to help you. They do so like thieves in the dark because they don't want to help their customers and rather foreclose on a $328K home at $170K for that cash infusion. Right before the transfer, I received a call from Litton of my pending approval for a loan mod and Ocwen has no proof. So my advice: run and get a lawyer and do not trust any of Ocwen's employees, especially the ombudsman. If someone from the home retention department calls, take their calls immediately because they will never answer your calls (caller ID) or call you back. Look for my google blog to be set up this week: Ocwen sucks.

My loan was sold to them from Saxon. I cannot get any help on the modification that I started with Saxon. They keep lying to me on the progress of it.

We got behind payments because I had back surgery and I'm not working. I was two months behind and they sent a letter about foreclosure. We called them and they told us to send the back payments. We did and they denied the payments. Now, they're saying we need to make this month's payment with the two back payments. We have insurance with Ocwen that would help on payments if one of us could not work. They just told us on the phone that we need to make this month's payment with the back two or they're going to proceed with foreclosure. If they would have accepted the Western Union payment we sent last month, we would only be behind for this month. We have the insurance that covered our payments if we get behind (for hurt/unable to pay) that covers our payment.

Increasing of mortgage payments on a fixed rate: I had my home modified for the reason of rate increase and affordability purposes so that I could not worry about foreclosure on my home. I abide by every rules set forth in front of me and yet they try and make like it's just for the increase in the payments. My homeowner's insurance went down by 300 and something dollars. My taxes went down from last year by 270 something dollars. I paid out of pocket my windstorm and this company knows that and still they try and pay it anyway to have a reason to increase the mortgage payments. Now, the agreement was that as long as I can provide proof of coverage, everything will be all right and all is well. But now they want to go back on their word and go up on me saying there is a shortage in the escrow when I sent them back the $954.00 check to make up the shortage. The shortage was $519.82 and I sent back a check in the amount of $954.00 to make up what they tried to take out for windstorm.

Therefore, my escrow is no longer short - it's over and they don't want to give me the credit for that. They just want to increase my payments and have it where I can no longer afford my mortgage payments on my house. I'm in a modified agreement with them and so far this company is not abiding by the housing regulations and rules. My payments should decrease not increase. $1133.80 is what I'm paying now. They want to increase to $1178.10. For what? All the taxes and insurance went down for the year. The value of my home is not worth more than $41,000 and they are trying to raise my mortgage as if I live in a mansion. Please help. I'm at my wit's end with this company and their lies. Please help me come to a solution so I don't lose my home in this matter.

My mortgage is being serviced by Ocwen Loan Services. I had my mortgage refinanced about 10 years about with Ameriquest Mortgage, which went bankrupt. It appears that my loan was sold to Litton. Ocwen advised me that because my loan is now a "Secularization Loan", I do not qualify for no type of modification. That my only options are: To pay a payment before it reaches 80 days past due, short sale or Deed in Lieu. I lost my job of making between $45k-$50k of almost 14 years and now making $326.00 a week unemployment. I never received any information about my loan being sold. I pulled up my deed information to see was there any revisions or filings for this and there was none. I have been in my home since 1992, 20 years. It takes all 3 employment checks to make my payment of $1035.00 to them. I really need help. I hope there is something that can be done.

On January 13, 2012, Ocwen Loan Service called me for a payoff on my second mortgage. I and a third party was on the phone three-way. I made an offer of $1000.00, and they agreed of the amount. The supervisor stated he will send out the paper in five days. His name was Mr. **, and he was the person I talk to on January 13, 2012.

My second mortgage is $36,791.40; our principal on the first mortgage is $250,272.62. The value of the house was appraised at $152,600.00. Our mortgage is turned upside down. We are on a fixed income. We work part-time to pay our other bills and buy food and other expenses. I was calling them every week to see what happened to the paper. They told me it was in the mail. The deadline was February 20, 2012, which we agreed to.

On February 20, 2012, I called again to see what had happened. I talk to Mr. ** on that day. He stated they were still working on it. He gave me another day when he will call, which was February 23, 2012. There was a time when I and my housing counsel talk to Ms. **. She stated that we would have to give a higher price on the payoff.

On February 21, 2012, I received a letter stated dated 2-14-12, which is the discount payoff non-approved notice. it said, "In response to your request for a discount (short) payoff, we have reviewed the information that was submitted. However, the owner of the loan did not approve of the discount payoff at the amount submitted."

I called and asked them who the owner of the loan is, and they still did not give me an answer. They said, "If you would like to, you may submit a higher offer within 10 days of the date of this letter for further review. You may fax this information directly to 407-737-5071. Please note that if no other offers are received in this time frame, we will close this file." Manoj has been assigned as our relationship manager and will be my designated representative for resolution, inquiries, and submission of document. I also would like the principal reduced on my loan which is the first mortgage. Thank you.

This company does not need to be open. Their bookwork does not even work. We got behind. They have refused payments. I sent in a payment and they said they didn't get it. Like a fool, I did not keep the Western Union paperwork. I had a conference call for them to call me at 11:15. They did. This was for a medication that they have said they have received all paperwork over a month ago, but they still have no answer. Then 2 hours later, I get a phone call from Ocwen. This phone call was for our plan phone call that we had 2 hours prior. On top of this, I was on my way to the bank to give them $6225.00 to reinstate my loan. They informed me that this amount was not correct. This is the amount they had given me 2 hours prior. So I had to send them over a $100.00 more. How can they be in business in the US?

I have a loan with Litton and had modification done in 7/2010. When they sent the 1st month payment, the statement said for 8/2009. I called to find out what that meant. I never got a good answer, so I went to a local mortgage counselor. She tried to help but got nowhere. The only answer I got was that I owed previous mortgage payment from a bankruptcy in 2006. I was behind then when our attorney told us not to pay "until the judge said to".

After we fired that attorney for incompetence, our new attorney arranged for us to pay $300 extra per month to be placed on principal. We did that for approximately 3 years and instead of our principal declining, when Ocwen was given our mortgage in 9/2011, Litton showed more than $12,000 more on our principal. Ocwen has not been interested in helping us. We are retired, and I am quite ill. We need help, please.

In 2010, we got behind on our mortgage, and we were financed through Litton Loan Servicing. But it was sold to Ocwen in 2010. I had a deal with Litton to pay an additional $200.00 a month for 1 year to get the arrears paid off. When this mortgage was sold to Ocwen, they said they did not have to honor the agreement with Litton and wanted all the money owed back. I told them I did not have it, and they were pretty nasty about it but said that I could fill out loan modification papers with them and they would see what they could do.

Well, they turned me down, and now, they want all the money they say I owe. I tried to send most of the money to them, but they sent it back, stating that my account was 72 days past due. And now, I needed all of it. They are also charging me $1900.00 for penalties and late charges. I told them if they didn't keep sending back the money I sent them, I wouldn't be so far behind. But they just tell me that it's their policy, and the jerk I keep talking to is Mr. **, who is a condescending piece of crap and likes to yell at women.

I now have the $9000.00 for the 6 months I am behind, but I don't have the money for the interest and penalties they say I owe, so they won't accept it. The government needs to step in and put these crooks in jail.

I have tried on several times to do a loan modification with Ocwen. I have sent the requested document by fax and overnight to only be told they did not get it or they need more information. My payments are up to date. However, we struggle every month to make the required payment. We have both a first and second mortgage with Ocwen. I need help and Ocwen is not willing to help in anyway. You do not understand the people in the call center and never can speak with the same person. Please help me if you can, this company is truly not helping as they said on their website.

My home loan was sold to Ocwen in 2009. All was good until now. They are saying my escrow was in a shortage, which made my house note go up $180.00. I cannot get anyone to give me a straight answer why. Before they took over my loan, my escrow was always over and I was always refunded for the overage. Other than my taxes (may) have gone up. Every person I talk to tries to push a modification plan on me which I do not want.

My property taxes were lowered by the County of Los Angeles in December of 2011 by 20% due to my property's value declining. However, Ocwen raised my monthly escrow payment (used only to pay the same property taxes) by nearly 10%. When I called to report the error, I was instructed to fax the new tax bill and my request for an escrow analysis. This was finally completed in late January but Ocwen neglected to use the new, correct tax amount owed! They actually raised my escrow payment again! So I called and complained and re-faxed.

By late February, the bill had still not been lowered and I called back. I was told happily by an employee that they were prepared to pay my taxes on March 1st for the original higher (incorrect) amount! Once I could speak again, I calmly told them that the new tax amount was xx and that it was not due until April 10, 2012. I begged them not to pay the higher amount on March 1st. I proceeded to fax and mail the documents that correctly reflected my taxes owed and I requested that my escrow account be closed.

At this point, the account has over $3,000 in to pay a bill of $1,600 due on April 1st. Now, I learned today that they won't close my escrow account, and that a new escrow analysis won't be performed because the one in January was too recent, even though they did it wrong. What can I do with this company? I never seem to speak to anyone who actually works for Ocwen. It is always a call center and they clearly are overseas. They always tell me to fax and nothing gets done. I feel like I am sending my mortgage money to a bunch of crooks.

After applying for a HAMP modification and after sending the same documents over and over, I was approved for trial period. I paid trial period and received Home Affordable Loan Modification agreement. It was notarized and mailed on time. Return receipt requested. I'm still making payments after the trial period. I received a letter from Ocwen that did not approve for modification because my documents were 90 days due. March 2012, payment was returned. I complied with all requirements and deadlines as documented for the modification. I have a family of 6. I am a 100% service connective gulf war vet on disability. I got enough. I have read about same issues of fraud on this forum.

If you think you have been victim of fraud by this company or discriminated by the Equal Housing Lender Act and believe you have been victim of fraud under the HAMP program, please send me an e-mail to **. I am trying to organize a class action suit against this company. Enough is enough. I've seen a lot of similar cases. This company needs to stop. Please send me an email. The more we are, the better. I will make arrangements with attorneys. Thanks!