Onity Mortgage Reviews

Our loan was bought out by Ocwen from Saxon Mortgage and what a mistake that was. We had a modification that we were to have a lower interest rate and there would be a certain amount of the loan forgiven if payments were made. I paid taxes of 49,000 that was to be forgiven and was given the tax paper so it had to be turned in to the IRS and paid to the IRS but now that I am wanting to sell my house they added the 49,019.79 back on to my loan. My statements show the principal as 91,211.13 and when I get the payoff there are all kinds of crazy charges added to it and the payoff is 141,812.93. It has taken me 3 months to get them to send me a payoff and none of them have been correct. It seems like they want to hang on to the loans so they can screw a person over and over.

I had hail damage to the roof. This company sent me 10 pages to fill out and I had to send a check for 45 dollars for them to overnight my check back to me. They pay 1/2 the money until 90% of the work is completed. This is insane because it only takes a day and a half to complete it. These people want their money when they finish so this is making it impossible for me to get the roof fixed. They want inspection to be did from someone they want - no telling how long this will take. They even have a form for the contractor to fill out about a lien and on the bottom of each page they have info stating we are a debt collector and info given will be used to collect a debt, working on refinancing as I type. Once they applied my payment to my other mortgage and it took almost 2 years to fix. Can't wait to leave this company of idiots. Don't use them. I am begging you.

GMAC sold our mortgage to Ocwen. We owe about 22k remaining. It's a 10% interest loan and they do not allow refinances. We are not in a hardship situation. So I found out after 10 calls that if I make a bulk payment of $10k plus they will reduce the monthly payment and their system claims I can make weekly payments to pay more principal on the balance. Problem is no rep will send documentation verifying this. I'm ready to move forward but you cannot email Ocwen reps and the reps on the phone cannot see the weekly payment option that I see, so I had to send a screenshot to Ombudsman at Ocwen. Honestly, I do not think they are a legitimate company with representatives. I think they are a call center or standard debt collector off site because they cannot provide any real service other than collect your payment. It's very fishy that Ocwen can't even see what their own website shows the customer.

I had a mortgage with Ocwen from 2005 to 2008 when we foreclosed due to our mortgage going up almost half of our original payment. We sent letters asking for them to help us modify and they were denied. This was a few months before almost everyone in USA started losing their homes. 2 months before the Government signed the bill to help homeowners with their mortgage we lost our home... We put over $80,000 in downpayment and paid a mortgage of $2,300 for 3 years. When they got sued we got $53 dollars back. How embarrassing is that... They could've helped us if they wanted to. All they did is help another young Latin family with kids lose the American Dream.

We have been dealing with PHH Mortgage for over (7) seven months. After trying to get a Loan Modification for 7 months, this company has repeatedly played "Games" with us. Our story is too similar to all others on here. This makes us believe PHH Mortgage Co is absolutely a "Sham & Scam" deal. They send numerous confusing letters requesting things like paperwork, then they say that they do not need the paperwork. PHH has driven us crazy with numerous obstacles. From Yes to No in seconds, PHH has done NOTHING to help save our home. They have given us "Run-Arounds" for over seven months. All PHH has done is made the situation WORSE.

My loan was transferred to Ocwen from GMAC. In May of 2015 Ocwen increased my payments by $400 and could never give me a clear response why. I was able to pay the payment increase until I had a career change which caused me to fall behind on my payments. I then received a letter in February stating that they were overcharging me and that they owed me $5700 but can send it until my account is current. In efforts to keep my home from going into foreclosure, I made a payment on May 27, 2016.

Wow. It seems like only those with a negative experience have commented here. I have had an absolutely wonderful experience with Ocwen (knocks on wood). It's true, in the beginning I had to resubmit paperwork several times. But that was a minor detail compared to what Ocwen has done for me. I started with Chase. After a serious financial blow, I was unable to keep up with my ridiculously inflated mortgage (following the big bust). At first I was offered what I thought was a pretty good modification by Chase. I went through the whole one year "trial" and upon final approval I was granted the modification.

Ocwen bought my mortgage from Saxon. I had to suffer being with them until I finally refinanced my contract with another company. While I was with them, they did not respond to any of my phone calls or letters, they ignored my pleas to refi, and then they kept adding fictitious charges w/o any explanation. They also kept raising the interest rate with no explanation or justification. At the end, they sent me 5 bills for one month with 5 different amounts. I was so glad to get rid of them because it was not just their ugly behavior towards me (the client), but also felt that I was dealing with a totally evil enterprise that all they wanted to do was to grab as much of money from me as possible.

In 2010, we were approved for a Obama modification which we has been paying since that date until present. We have made our payments each month through our bank Bill Pay. We have verification through our bank. Since, then we were involved in the class action suit filed concerning the forced placed insurance. Ocwen refused to talk to us stating we are in litigation and did not send any mortgage statements during the lawsuit. Now, it was settled for peanuts. They decided to set up a new modification without our consent, sent out the modification package we refused due to the fact that the Obama Modification was approved. We received documents stating the mortgage would start at 2%, 3% for the first five years then it would stabilized at permanent rate of 4.75% term of the loan.

I started by trial modification on Sept 2015. I felt behind because of a car accident. I become disabled. I made the first two payments. In November I was going to make the final trial payment until someone at PHH Mortgage told me not to. Listening to this incompetent women caused me to lose my modification. I got banking and insurance involved and they did nothing. They believed any lie that Phh Mortgage told. Phh admitted hearing this women giving me bad advice. They said it was my fault because I still signed the contract. I am losing my home now. The banks are too big and powerful to fight. A lawyer told me it would take hundreds of thousands of dollars to fight. The conversation is taped recorded but they refuse to release it. These people are crooks!

The facts... We are currently 2 years in on a Chapter 13 (on time and current). Ocwen is accepting Chapter 13 payments. Until 4 months ago Ocwen was accepting our mortgage payments as well. I have been making monthly phone calls to them telling them it is illegal to not accept our payments. Last month's phone call I was told my house has been foreclosed on and sold. (THIS IS NOT TRUE!) 2 weeks later we received a coupon to mail our monthly payment with. (Sweet, I think we are all set, and they figured out their error.)

First of all I reviewed pretty much all of the complaints about Ocwen. I have been through as much as these other complaints has been stated. YES! This is SO TRUE. My mortgage was "Sold" to Ocwen. It's a "Dam" shame what you have to go through with them. The people can't speak English well. They are programmed and they will read over and over the same lines no matter what question you would ask of them. SMDH. It would be nice if they could put into law. If a mortgage company sells their mortgages they should send you notice beforehand and let you have a chance to chose what company you would like to service your loan.

We filed bankruptcy almost 6 years ago. When we were released from Chapter 13 we were still hit with fees. Almost a year later nothing is resolved. And my principal balance was going down, then it went up and came back down but not were it should have been. This needs to be resolved ASAP. I'm ready to walk away from the house.

Had same experience with so-called loan modification. Faxed many personal and private documents, after many requests to send ALL of them. Always missing one more document. My appointment was canceled once because of a missing document. Waited another month for a disappointing, "We can't Monday your loan at this time." Hoping to get a reduction in our usury style interest rate, I was told to refinance. I could have figured that out on my own! I asked if my documents would be returned or destroyed. I was told they had to be retained in case of audit. I want to retain my status as a gentleman so I won't use the words I used, of course after the call ended. This company blows!! Disgusting. Could barely understand what they were saying...heavy accents, certainly not located in USA.

We have our mortgage and escrow with Ocwen and they have not paid our real estate taxes multiple times. Escrow money has been sent to wrong addresses even though we make it a point to highlight the correct address. And trying to communicate with customer service is frustrating. Each time an escrow payment is screwed up by Ocwen, it takes on average at least 8 calls over a 2-month long timeframe to resolve the issue. On top of that, they will charge extra fees to research their own errors! Why hasn't this worthless, unethical company been shut down?

With all the problems Ocwen has with customers why haven't there been a class action lawsuit suit started? They have sent back the last two payments to me making me 90 days overdue. Now they insist on a modification which I don't want. I was going to send the two payments back and then I would be only 30 days. I was then told that they would just send them back to me. The only way that they will work with us is to modify. How can they force people to do what they want when they are causing the problem?

I may have a class action attorney. I need to know via email who would be interested. ** PHH screwed us to the wall. We never missed any payments. They stole over $35,000 from us and our home. I have proof of payments, and they would not accept them. Something is really wrong here. It's illegal and they continue to get away with it. Let me know ASAP!

Due to my husband losing his job, we fell 2 mos behind on mortgage payments. We were able to come up with the money to repay the late pmts BUT, PHH refused to let us pay. Instead, they FORCED us to do a modification. PHH took $60,000 & put it in forbearance resulting in a second mortgage. When our 1st mortgage is paid off in 2043, the $60,000 is to be paid in one lump sum.

This is by far the worst mortgage company that I have ever worked with. Ocwen claims great customer service, but I must have higher expectations than they do. Dealing with the escrow department has been the worst nightmare that I have had with any customer-based company. The service dept does not do emails and I have had numerous conversations regarding the same issue and the problem continues to exist. Maybe dealing with a foreign country and the language barrier could be adding to the issues.

GMAC filed chapter 13 back in 2011... We filed a Chapter 7 the same year. Our account was not handed over till after our bankruptcy cleared February 23/2012. They insist on having documentation that was signed by us called DEBTOR'S STATEMENT OF INTENTION... This statement would have held us liable to pay the mortgage. However, GMAC Mortgage company decided that they would not sign their agreement to this document. Therefore, legally... according to the Law firm who completed our chapter 7, we are not bound legally to stay in this house... We can leave and dump it in their laps BUT it is house and land we have put our hard earned money into for 10 years. I can say thank you to GMAC for not signing the creditors document of intent to hold us liable.

After 7 months, I became extremely nervous about the situation. While OCWEN had previously stated they would not start foreclosure action, the agent said that at this point they might, but that he could not tell me if they had.

In October 2010, my husband and I filed Chapter 13 Bankruptcy. Our mortgage was NOT included in the Bankruptcy. We continued to pay that on our own. We were not behind and we still are not behind on the mortgage. We paid off our Chapter 13 and were discharged in November 2015. At that point we started monitoring our credit through a local bank. We disputed accounts from all 3 credit reporting agencies. Two of the 3 credit scores went up, while Experian went down. All our accounts that we had filed in the Chapter 13 correctly reported the discharge with the exception of Ocwen. Ocwen reported that the mortgage was included in Chapter 13 and that the bankruptcy was filed on January 31, 2016.

Ocwen Loan Servicing contacted me requesting I modify my loan even when I was not late on my payment. I said, "NO THANKS. You will ruin my credit. I don't care if my home is upside down in value." They persisted over a two year period until they told me the loan modification would have a principal reduction, lower interest rate and will not harm my credit. So I said, "OK, let's do it". Ocwen then made me 90 days late in what they said was a trial payment period of which I had to STOP making payments for a period before I would start back making payments at the lower rate. That ruined my credit.

I'm so fed up with this company. Just made my April payment, today, 4/15. Yes, it's late, but I had to pay the IRS with my last paycheck. Anyway, Ocwen's website states, "Make your payment by the 16th of the month in order to avoid a late charge." However, I was unable to make my normal payment of $817; I was charged a $30 late fee plus a $10 Western Union Speedpay fee. What the heck? Today is the 15th! Just because their computer system isn't technologically sophisticated enough to remove the funds from my bank account on a weekend or holiday doesn't mean that I deserve a late charge. Ridiculous. I'm also being overcharged for my escrow. My disbursements from escrow total less than $2,000 yearly, with about $1,300 going to insurance. So how come my last escrow statement from Ocwen showed a scheduled insurance payment of nearly $1,900?

These people at Ocwen are the worst ever!! First off, could you please hire some people that speak understandable ENGLISH!! Every time I call it seems that the person I get is worse than the last and it makes talking to them almost useless. I am about to go into foreclosure and I have tried my best to find a resolution to my issue. Like most of you I have filled out countless amounts of paperwork in an attempt to save my home, and it's always something; didn't get it in time, you're missing information, and so on and so on.... I tried a modification... no luck.

There are several people on this subject recently who have had identical issues as myself. Please contact me. I too wanted to modify (& unfortunately did). I was told to not make payments. Then when "refinanced" there was over $11,000 added to my loan. Still can't get an answer; mainly because no one speaks english. Also, I am being charged almost 6,000 annually for property taxes and insurance. The amounts due are approx $3800. I am being charged for double and can't get an answer on where the funds are going. Anyone with this problem please please email me.

I have been Ocwen's customer for about 12 years. The last 11 years things were OK with them meaning I was making my payment for mortgage every month and no problem until 9 months ago. One day I received a call from Ocwen that I have 10 days to make more payments on mortgage otherwise they would report me to credit Bureau. I asked them the reasons for increasing my payments? They said "we decided to forcefully add an insurance coverage on that property to protect our investment." I told them I have already have the insurance on my property as this was the case in last 11 years. Since my property is Townhouse it comes automatically with insurance coverage under HOA which I am paying them every month. The Ocwen said "OK as long as you show us the proof of insurance from HOA."

Just recently became aware that my account has more than 700.00 in late charges. I am not late with my mortgage. Asked the Co. to remove the late charges, they have not. This is important for every Ocwen customer, they hold your payments until the 17th, resulting in 59.00 in late charges. Their rep implied, "it really doesn't matter when you mail the payment, it will always be late!!" I have sent a package of most of the complaints to: CBS, 60 MINUTES, 524 West 57th Street, New York, NY., 10019. WILL EVERYONE SEND A REQUEST FOR 60 MINUTES TO DO A PIECE ON CROOKED OCWEN!

Working with OCWEN MORTGAGE and using this website was like pulling teeth with Q-tips. I received a letter stating I have a choice of my payment going up monthly or sent extra money to my escrow. I can not understand anyone I've talk to. I ask why is my escrow short. After calling over and over and asking for a supervisor I was told the same thing the letter said. My March 2015 to May 2016 escrow was short. My question again was WHY? She said in April 2015 I was mailed a check from my escrow. I ask Why? She said my escrow was way over. My question was if the account was over 11 months ago how can it be short now? WHAT happen? It's not a full year. AND Why would you send a check from 2015-2016 if it was going to make it short. I'm waiting on a return call.

I was a refugee forth IndyMac fall out; I lost my parent company as IndyMac bought my loan. It was a high interest rate loan (7.25%). I had tried unsuccessfully to get an interest buy down many times (about every 5 months for 5 years). I was assigned to Ocwen when IndyMac collapsed. There must be some stigma, as every time you call, are called, or have a "counselor" call, the first and most irritating thing is they will state this is a debt collection company - how quaint - and how downright insulting! I did not asked to be assigned - IndyMac failed - that is not my problem.

I tried to make a loan payment on the 16th of March 2016 using their phone payment service. The payment went thru and I receive a confirmation number. On the 23rd of March I get a letter telling me I missed a payment. This company is full of criminals. Then I pay it online with BOA. It takes them 6 days to cash the checks while the funds are still in my account. Stay away from this company!!!

On the 3rd of March 2016, I successfully refinanced my home through Quicken (whom I rate 10 out of 10). On the 23rd of March I received a check from Ocwen for an overpayment on my behalf. On the 31st of April, TransUnion and Eq. report that my Ocwen mortgage is 60 days past due... my credit rating went from 725 to 605. I survived a divorce a few years ago and worked extremely hard to get on track. When I called Ocwen, the associate barely spoke English and told me that I had to fax a copy of the credit report to their research department and wait at least 2 weeks for a response...

Since my loan was bought from this company it has been nothing but a headache. The customer rep are rude, not professional, and do not take the time to investigate or solve problems. There have been times that they would just hang up on me or keep me on hold for a long time, hoping that I would hang up and go away. In March of 2015 I made a payment using their website, and they claimed that they did not receive the money. I had the reference number that showed that I made a payment. Luckily for me I received and opened a letter that was mailed to me a day before it would have been reported 30 days late. I had to make another payment because I did not want to show on my credit report, even though I mailed them proof that I made the payment almost a month early.

Three years ago I settled a lawsuit with Ocwen and one of the conditions was that they establish an impound account to collect and pay property insurance premiums and taxes. I had never had an impound account before so I assumed that there were systems in place to make sure that the right amount of money was being collected and the proper bills were being paid. You know, just as if I did it myself.

8 years ago my husband became unemployed. We applied with our lender for help and got on an interest only mortgage program for 5 years with an adjustable rate after that. Our payment was $500 a month. Great! Then the loan was sold to Ocwen. 5 years went by with no problems until 2 months before the 5 year plan was up. That's when we got a notice that our new mortgage was at 8% and the payment would go up to $1000 a month. I called Ocwen before we were ever late and requested a refinance to a fixed rate. They said they couldn't help until we missed a payment, so we did.

Ocwen... I am still making my inflated monthly payments on time but need to acquire a better interest rate. Me... Yay, I have now a more affordable rate so I can now continue my online payments and maybe able to add a little extra each month in return. Thanks Ocwen! Ocwen... "Sorry, although you have been current on your online payments, you neglected to pay the 'trial' first payment on time which was reflected in your recent billing statement that was sent to you in the form of a billing statement that was mailed to you" at my PO box, even though you have always relied on paying my monthly bill online which reflected the now new and improved monthly billing statement.

In July of 2013 I lost my job and was going through a divorce. I contacted Ocwen to sell my home as a potential short sale. The home was listed. I had multiple offers and one by one the offers dropped out because Ocwen would not work with the buyers. One buyer hung on for over a year and Ocwen foreclosed on the property stating it did not meet their requirements. The house was sold at auction and we were evicted. Ocwen would not communicate with me or my ex-husband nor would they communicate with our realtor on the short sale or the foreclosure proceedings. This company has horrible business practices.

We have been having problems with this company that was supposed to help people with their mortgage payments due to hardships, etc. We applied for help and they gave us PHH Mortgage services. They not only made our situation worse, but they're a nightmare trying to prove them wrong. We have had to come up with extra payments, our payments were raised to 724.00 for a year to pay all the late fees they said we had incurred. The final blow was in Oct. 14, 2014 we paid over 2000 more than they said we were still behind. Plus we made our regular payment of 624.66 a few days before this new amount they said we still owed. We were all caught up and were 2 payments ahead according to our bank statement. I had to fax them because they insisted we didn't make that payment. Plus another extra payment we made in Nov. of 2013.

Join the rest of us, I have been with this company for a few years and what they call a modification is to take what your behind on payments and put it on the back of the loan and give you a 40 year loan from a 30 and make the payment $800 dollars more. I have tried everything and no help.

In 2009 we bought a. My wife paid the bills. When she left me (in 2013) I was left with all the bills and found out that we were behind on the house payments. After I got them current I had a loss of income. I went from $60,000 to about $37,000 so naturally I got behind again and she got the house and is responsible for the arrears on the loan. I call the rep that I'm supposed to but always get a voicemail so I leave a message with my name and # (at least 3-4 times) but never get a response back from him. This is wrecking my credit. I will never do business with them again nor will I recommend them to anybody. They are the worst company I have ever dealt with.

Ocwen assumed our mortgage about 4 years ago. We have lived in our home for 8 years. We always pay about $200 more than our mortgage payment each month and they are always late paying our taxes every year anyway. My husband made an error on the date he selected for payment when paying online through our bank. We thought the payment was made, but then received a "friendly reminder" that our payment was late. That was on the 20th. We called the bank that same day and were told that their relationship with Ocwen had changed and that Ocwen would no longer accept electronic payments so they would have to write them a physical check, which would take longer - still well within the same month.

Loan transferred when GMAC closed. Every interaction is a nightmare. They've double dipped on automatic payments causing bounced checks. Customer service is a joke on EVERY interaction. Website rarely works, don't have paperless options. Said there's a button to push, but it doesn't do anything.

Ocwen Loan just doubled my Mortgage payment. They purchased my loan from another lender. When I asked for a loan modification or refi they said I could go to my local bank. I asked if they had been accused of predatory lending and they told me you signed up for this. They refused to talk to me about a modification and all I got was a guy named Carlos was at a call center.

I have had my mortgage with them for over 12 years and have never been late on a single payment. We have also been responsible for our own escrow. They contacted us and said they could reduce our interest rate. As we are seniors any reduction is welcome. We filled out all the paperwork and they said we would have to use an escrow account. OK we don't mind that as it only determines where the check is sent. We closed in December with 2 different lawyers showing up at different times claiming they were the closing attorney. After they argued as to who had the closing we finally closed with lawyer #2. We were told we had no payments for January or February but that didn't stop them from taking out a payment from our bank. We called to get a refund and got the runaround for weeks. Long story short it took 3 months to get the refund.

I've read some of the comments others have made about Ocwen... I'm also devastated with the lies. I was told the website Card with my loan information is correct but I get other documents in the mail. I did miss 1 payment but have am being told I owe all kinds of fees and I'm loan is delinquent. And could go into foreclosure. But when I speak to them on the phone they said, no and the web page is correct and those as are the monies I owe. What is going on??? I cannot afford this. The threat are keeping me up. I'm a nervous wreck.

This company is horrible starting from customer service to website information. The most frustrating part is they provided me a wrong 1098 for my tax filing purposes and unless I had gone into the detail I would have been stuck with less tax payments. They have the obligation to provide us with the right document. Their website sucks. After repeated feedback they don't improve it. It looks like some college student has designed their website.

Our property taxes were paid twice to PHH. We sold the home in December of 2015. At closing we were informed by Title Co. we needed to pay taxes again because PHH claimed they were not paid. If we wanted to close on home we had no choice but to pay & wait for reimbursement. It is middle of March & many phone calls later we are still waiting! Just got off the phone with the manager today. He said check was in the mail. It was supposed to be in the mail several times already. Last week I was told it would be overnighted. Yep, that didn't happen. No surprise there.

We began several years ago trying to obtain a loan modification through PHH Mortgage. To say it's been a nightmare experience would be a huge understatement. This is a very lengthy story so will only enter a few details. They processed no paperwork correctly, said they were sending paperwork when they never did. Then had times when they called us and told us to stop sending paperwork because they had mountains of it and needed nothing else from us. They have tried to foreclose with NO notice to us. Then other times stated they were waiting for paperwork and would process it then didn't. They have not logged any of our payments to our account over the last two years stating we were in a modification but have no explanation as to where our money is.

I have had nothing but issues with PHH Mortgage since June or July 2015. I told them ahead of time I would be unable to make a payment due to a one-month hiccup in renters. It's been nothing but chaos ever since then. I have had the same issues with them regarding the paperwork. I submitted it after daily work on their documents, and after a month and a half of constant phone calls and nonsense, I was told that I was denied (when told I would be approved at the beginning) and that I was never even considered for their "deal." I paid ahead a month, they misapplied the payment. I had them fix it, it was supposed to take 60 days to process. I was never notified if the issue was fixed. I found out that instead of being a month ahead, I am a month behind.

3 years ago we faced a medical emergency that put my husband out of work. The first call I made was to Ocwen because I knew I couldn't pay the entire mortgage on my salary alone. I explained our situation and requested help. I was told that since we weren't delinquent with our loan, they couldn't assist us. Long story short, we tried and tried to make it work but ended up losing our home. Ocwen told us that we qualified for the "Cash for Keys" program, a government assistance program that provided money to help us with moving expenses. I repeatedly asked if we'd have to pay taxes on that money and was told that since it was government assistance, we didn't have to worry about it. The Cash for Keys check came with NO paperwork - nothing that told us we needed to put money away for taxes.

When LenderLive sold my mortgage to these guys and I had no idea how bad it could get. From huge problems setting up my auto debit to even trying to call these jokers with a question... I am absolutely disgusted! Their website is mostly faulty, so is useless to me, and to call them is just as bad, with 40 minute wait times to get a person who says to call back. I have several mortgages with other companies with no problems like this. How in the world does this kind of unprofessionalism get a foothold into honest business?

I purchased my home in August of 2015, through Victorian Finance in Houston, TX. Of course like every other finance company they immediately sold the loan unfortunately to Ocwen Loan Servicing. There was an escrow account set up when I closed. On 12/9/15 I sent them a copy of the property tax bill. The amount changed on their website, so I know they received my fax. Around the last week of February I starting receiving junk mail offering to help with my delinquent property taxes. THEY failed to pay my taxes!! I have spent at least 3 hours on the phone with them, sent 4 very ticked off emails to their tax department! They finally paid my taxes 03/10/16. I am terrified of what will come next. MY BIGGEST question is how does the government allow this horrible company to buy new loans when they are constantly under investigation for faulty loan practices. Also, how can finance companies justify selling loans to the likes of this company???

They contacted my bank (SunTrust) in the state of Georgia. Requested the bank stop sending my mortgage payments electronically & start sending a paper check through US mail. I contacted as I Noticed my account had not been credited for the mortgage. SunTrust stated there was no reason given, but they had several complaints regarding this same issue. Check was issued to them by the 7th, but Ocwen has not posted to their account. This is the 2nd time they are late posting & attempting to assess a late fee + additional made up fees.

Came home to our surprise to find letters from a lawyer's office hired by Ocwen stating notice of foreclosure due to nonpayment since August. Wait how can this be when my wife has the confirmation numbers and bank statements showing payments were made? Found out they were nice enough to put my payments towards someone else's mortgage... So tired of this bs company... Next time I'm lawyering up.

We tried to modify our 8.4% interest rate with this company. They actually told me that because my husband and I make a good living we can afford the payments so there is no need to adjust the rate. I have asked questions, asked for help and all I have gotten in return was a runaround. Today I asked what my pay off rate would be and what I could expect for a balloon payment and "They can't determine that right now". When I asked another questions I heard an "OH MY GOSH" on line and asked if I was bothering her to do her job. I don't understand how this company is able to operate and treat clients like this. We have not had a late payment nor have we missed a payment. I know it was our fault for purchasing a home at the wrong time and trying to live the American Dream, but I believe a company should at least VALUE the relationship they have with you and try to make things a little better for their clients.

As of this date am refinancing my home. My loan was sold to Ocwen when I filed bankruptcy and I just completed have been making my own payments since January. They are now reporting my Mortage 60 days delinquent and can't answer simple question as to why. Can't understand person on phone, loan specialist never calls back. Someone needs to investigate, and help people out.

Ocwen decided that they would go ahead and take all 11 hundred dollars of my house payments but only apply 389.00 of it. When asked where the rest went they "aren't sure. Let me put you on hold a moment". Well, when that hold is over, they still can't find your money and tell you that your account is in default. Not today, Ocwen and definitely not with me. I have all my receipts and all my confirmation numbers with dates. My bank was also kind enough to not only print out all of my statements for the last 2 years, they were also more than happy to highlight all the payments made to you. When told that, and that I was calling my lawyer, Ocwen mysteriously found my money! Funny how that happened just like that. "Nope, no idea where your hard earned money went.... Oh no, wait, here it is." Sorry, Ocwen, I'm not impressed with your magic.

I have my mortgage with PHH Mortgage Services located in Mt Laurel, NJ for about 10 plus yrs. I was trying to get the govt loan HAMP for about a year now and was "approved" by the HOPE hotline to qualify. I have been sending my paperwork to PHH and they keep coming back saying things are wrong, I had missed a couple early in 2014 due to unemployment. PHH is now not accepting my payments saying I am behind 11 mths. I have copies of all my payments and emailed to my case mgr with no response for over 2 weeks now. They are threatening foreclosure. I have written and called the attorney general and reported and called consumer financial protection bureau twice. PHH said they will get back to me in 90 days, even though they should have an answer by 30 days. No one ever calls me back at PHH or tries to help or give me any answers.

This company believes in stealing your home. They will not let you modified your loan. They will foreclose and steal appliance. They love charging you a fee every time you ask them to modified. Plus they never take it off your credit report. I hope more people advertise how bad this company is. Hope everyone that got foreclose on is doing ok.

If there was a way to give negative stars, believe me I would (and I don't review companies on a regular basis). Our mortgage was recently purchased by PHH Mortgage. Our normal payment is about $1,700 per month. We set up direct deposit last month giving PHH permission to take out that amount each month for our mortgage payment. This morning they withdrew $3,796.61 without our permission. We spoke to their "customer service" and they couldn't figure out why they would take out this amount. Luckily for us, our bank (Chase) has since disputed the amount and refunded our account. There are a few issues: 1. The scariest being, they were not authorized to take that amount out of our checking account. This is fraud and what I would consider illegal practice. There is no reason this should ever happen.

In an attempt to pay off a loan we have with Ocwen Financial I sent a large payment to them (knowing there are no penalties for paying off early). They called to get the rest of the payment. They refuse to apply my payment to my account unless I completely pay off the load. My options are 1. Payoff the whole loan. 2. Apply my payment to principal & go to collections for the rest. When I tried to finish off the loan, they changed the payoff amount on me! Customer Service SUCKED!!! Now I have to wait for them to call me back because they "can't" transfer me to the pay off department.

Have been trying to modify my loan for 3 months and each week Ocwen request a new document or finds a error has me change it so I do. Then the next week I'm required to change it again. Impossible to work with. Calls are always transferred to India and I have trouble understanding what is required. My loan was sold to Ocwen, will be refinancing as soon as I can. Never do business with them.

My account was sold to them 10 years ago. I have never been late until this last January. I have received 4-7 calls a DAY... a DAY. The foreign man on the other line, took my information down when I told him I didn't want to receive any more phones calls. Now they just called again, I am not even a full month behind, and did you know if you make a partial payment that it doesn't credit your account until you are paid in full. Horrible, Horrible Horrible... Oh and the mail, certified letters stating that I was in default, I was one month late, another letter regarding my new foreclosure. I AM NOT FORECLOSING... Horrible company not even based in the US.

My husband and I had mortgage on house which was serviced by PHH and owned by now bankrupt Thornburg. We both fell ill at same time, were late on 1 payment and their extreme unprofessionalism has now led to a sheriff sale on our home. We make well into 6 figures and have completed the refi paperwork no less than 6 times with no response. We have an all cash offer on our home and they will NOT respond to my realtor, my lawyer's or even Thorburg lawyer requests. PHH, I hope you get "stuck" with our home since you are unable to respond to the cash offer. Burn in hell.

I bought my house October of 2007 through GMAC. Six years later they sold my mortgage to OCWEN. I always paid on time and never had a problem until my husband’s job was transferred from Virginia Beach (where our house was) to New York. We had no choice but to rent out our house in VA and move to NY. During the move money got tight and we were having a hard time getting the money together. Before I ever became late on payment I called Ocwen to ask them if I could get a loan modification and they told me I could not because it was their policy to not give out modifications on rental properties. I was a little upset because it's not like this was just a vacation home. This was my home that I had to leave in order for my husband to keep his job. I ended up falling past due by three months and when I called them to make a partial payment of six thousand dollars to try and catch up.

PHH Mortgage is useless at what they do. They have been collecting my property taxes through an escrow account all year, but some of the bills came through as supplemental, which I paid on my own to avoid late fees, thinking it would be a piece of cake to get that money back out of the escrow account. Note, my escrow account was optional.

My mortgage was sold to PHH Mortgage.. Terrible customer service, terrible privacy issues, PCI, etc. cannot understand a person who talks, cannot get issues resolved. VERY disappointed and that's the nicest word I can use. Please do something about this company. So worried about my mortgage and my ability to keep my credit solid.

This bank is a theft, they don't help no one with modification at all, they lie to people. Relationship manager can never call you about your loan, ** lie to people that he will call back. He make someone else call you. Bad company to take out mortgage with. I was sold to them, I own my house 13 years.

Zero customer service. Transfer twice. On hold for twenty minutes. She tried transferring a third time and hung up doing so. All I want to do is change my password. Called 2-19-2016 at 330 eastern time. Asked for her name after being on hold so long. She said her name was Aphril. I have tried multiple calls with no success so far.

I am letting all Ocwen customers about their mad off scam. I tried to refi my home in Florida, they told me that they do not refinance but can restructure my loan. I went on a three-month trial period, they then sent me a package to sign and get notarize which I did and sent back to them. They sent me a bill for about $1,900.00. When I call Ocwen they told me I did not return the package on time. Anyways, I ask them what happen to all the payments I sent on my mortgage they could give an answer. I was told if I send $400.00 towards my escrow that my payments will go down. Have not seen that as yet. You do not speak to the same person at Ocwen twice.

I have had nothing but issues with them since I started the mortgage. If you have an extra charge on your account so you add it to the next payment, it applies to principal not the charge and you continue to get nasty calls/letters that you haven't paid their extra fee. They mandated escrowing taxes and insurance claiming it was mandatory because it was a rental home, which I did not want to do and have never done before. So when January's payment came due I changed the payment to their "new payment amount" but because it's an auto pay and I have never had escrow before I missed the one time higher payment in January. When they sent me a notice I sent them a check for the additional amount but they sent the check back to me weeks later saying it wasn't for the full payment...

I was affected by the deadly EF-4 tornado. My home sustained damage. I have paid the contractor in full, I have been lied by Ocwen's ins loss dept. They keep telling me an inspector will show up at my home so they can release the repair funds. They have been faxed all documents, copies of paid invoices and copies cashiers checks. They have lied and are trying to keep almost 19,000 of insurance repair monies. This Mtg co is deceptive. They are unethical. Provided me a supposed cell T-Mobile number from someone in Ohio, I live in Tx. I am compiling all my evidence have reported to Attorney General and CFPB with hopes that they can look into this. They are doing this to other consumers from my evidence. My next step is an attorney to place a demand for this insurance money.

I've been in my house for 20 yrs. Had a fire and other hardship that put me in financial hardship. I had to file for bankruptcy. Needed Ocwen to work with me. I owed them $113 and some change. When they finally came to me with an offer they wanted me to rebuy my home with a $8,0000 down payment, they took all the equity from me and wanted me to pay $146,300.00 to keep my home with no modification payment but they would consider it after six months. I had a buyer for my home. They said "NO" (Adam **). I will never forget the man, they were going through with the FORECLOSURE. NOW HOMELESS > They will take my home in 6 more weeks!

I have never had such a terrible experience with a company before. I called in to make an extra payment on my mother's mortgage account due to them not auto drafting one payment last year (I have power of attorney and she is currently in the hospital with cancer). They first transferred me to India for the gentleman to hang up on me 2 times when I asked to speak to a manager to only put me through a third time and the manager told me he couldn't take the payment.

My mortgage was transfer to PHH Mortgage Company on 9/2015. I have had nothing but problems with them from day one. They are the worse mortgage company I have ever had. I try to pay my monthly mortgage payment early and they continue to say I still owe for the previous month when I owe for the next month. I do not understand if my monthly payment has been made and I send another payment before the first of the month. My payment goes to PRINCIPAL NOT the next month's payment.

PHH bought my mortgage from Schwab in 2013. I just received my escrow statement for this year. They are wanting me to pay over $10,000 into my account this year which is way more than needed. I decided to look back so pulled all my statements from the beginning of the loan 5 yrs ago. I went thru them all adding everything I paid into escrow and everything they paid out. There is over a $4600 discrepancy. I called today to find out why they are saying I have this shortage, why they are wanting so much for this year, and what has happened to the $4600 that has seemed to have disappeared. I could get no good answer but I finally said we could go over every statement together and add the numbers together when she said she would put in for a review of my acct and expect an answer in 7 to 10 business days. So now I am waiting to see what they come up with. I would not recommend this company if you are looking for a mortgage.

Had my loan for 13 years, no problems whatsoever, no late payments. OCWEN takes over and then claim I don't have insurance, although insurance company sent policy as they have done all along. I sent them policy, another letter, saying I don't have insurance, sent them another copy of policy, still another letter saying they have now purchased insurance and I owe them $1500. Filed complaint with CFPB then all of a sudden they located my insurance. In the meantime, they took my monthly payments and applied it to the insurance, now they claim loan is past due, they cancelled the insurance but no idea what they did with my payments. Reported me to credit bureau for being 6 times, 30 days late and now 60 days late although I have all my cancelled checks.

I paid my loan in June of 2014, in full. I have tried multiple times to close this account and they always come back with "1 more form." This has been going on for 2 years. Now they say I owe them $693 (1 letter) or $3506 (another letter) before they will close the account. THE ACCOUNT WAS PAID IN FULL!! I recorded the automatic teller stating I did not owe them and then spoke with a representative who told me "yes the account was paid, but we bought some insurance for you." I asked him with who and why, stated he did not know. Then I told him I was recording our conversation and he terminated the call. These folks are crooks.

PHH Mortgage bought my loan from UMB. When I refinanced, PHH gave the new bank a payoff figure while I was sitting in their office. The new company sent them a check but when I got my escrow settlement, it was $182.55 short of the amount it should have been. I asked for an accounting but all I received from them was a statement that yes indeed, they took the money from my escrow account. No explanation as to why. I thought that "escrow" meant they couldn't just take your money, but apparently I am naive. I have spoken to them several times and each time they act like they got into the banking business yesterday. Avoid these people at all costs!

Unless you want to add frustration and stress to your life, stay away from this company, run as fast as you can. At the end of 2015, I attempted to buy a home using PHH mortgage. After being pre-qualified, approved, met all the conditions, met more conditions, 11 weeks later and after filing 4 extensions I was denied. During this process, my loan application was turned in till 5 weeks after I put the offer on the house, and similar to other reviews I have read, I was repeatedly asked for the same paperwork up to 3 and 4 times. One hand didn't seem to know what the other hand was doing. After reading a lot of these reviews, I'm so grateful my loan didn't go through, however, I feel if I had started with a more legitimate company, I would not have lost a good deal on a home.

Ocwen is the worst company ever. I have had so many problems with Ocwen and I am still going through it. I am trying to keep my home. When you try to make arrangement due to illness they do not care. I do believe I have spoke to the same person twice especially with relationship management. One person will tell you something and another will tell you difference. The company is bad and it does not matter what your situation, it's just do it. I hope and wishes this company to be investigated due to their own rules and regulations.

I bought my home in May of 1999. The loan was sold to GMAC not long after we moved into the house. In 2010 my wife decided she was leaving and left me with all the bills to pay. It was a struggle but I was just getting by. My loan was sold to OCWEN loan services. Again I was struggling paying my bills and most months they were late. One day I received a call from OCWEN saying that due to the increase in insurance and taxes, that my payment was going from just under 1100.00 a month to just under 1600.00 a month. When they informed of the increase I had to make some very hard decision and quit paying some medical bills and credit cards to save my home. In 2013 due to military budget cuts I was laid off from my military contract job of 27 years, and went from making about 60,000.00 a year to making about 23,000.00 dollars a year.

We purchased a repo home from PHH. They made it very simple. They offered us a loan and we had it within a month. Everything was fine at first, but we soon realized they could not get our escrow account correct. We either paid way too much each year, then were sent a refund check, or we were dinged for more money. Why this was so hard for them is beyond me. I had to call about this over and over again, argued the truth and facts with them until I was blue in the face, and would finally reach someone who spoke English and understood what I was saying, and would fix the problem.

September 2015 I called the Ocwen to give my new bank account information and the rep stole an authorized payment the same day and my mortgage payment was not due. It was brought to my attention when my other creditors were calling and advised me that their payments were returned. I called Ocwen. At first they wanted to send to research for about a week. I said "No, you will refund me asap." I had to go all the way up to management and ask to speak with the United States (CA) office. Finally it was reversed, but because of the downfall of my other creditors, bank fees, etc I was delinquent paying Ocwen. They said "Do not make the payment, send in loan mod package or I could send $1500 to reinstate the loan." I went out, got a payday loan and called back later that week and the rep said my status had changed that quick and now it was double that!!

I requested a payoff quote from Ocwen. I received a fax that same day and went to the bank to wire transfer the money. Three weeks later the money was returned to my account. After 3 months of battling with Ocwen Ombudsman Department I finally receive a new payoff. This payoff is over $2,000.00 more with fees that were added which were not included on the original payoff. Is this legal?

I had damages to my home, the insurance company sent me a check. PHH would not release my check to me so I could repair my home. My roof continued to leak. I explained this to Kim in the resolution department that I needed these funds so repairs could be made. She said that the checks were not written by PHH and it would take 5 to 7 days for a check to even be issued to me. I have never seen a company that really did not care if a person's home had been damaged. This is by far the worst company I have ever dealt with in my life. I would bet that PHH is making profit off of other people's misfortune. WOW.

I have attempted to get a modification completed for the past 2-3 years. Each time I complete a packet, I am told they did not receive it, I am missing documentation or the address is on the wrong line. I am totally shocked that this company is allowed to conduct business this way. I am working tirelessly trying to get refinanced through another company so that I no longer will have to deal with these foreign robots!

Applied and was approved for a payment reduction on my loan. After the trial period of making the payment they asked me to pay with a automatic payment to the company they still report me as having a late payment for the last three months. This is criminal. They set the payment I am to make and when I make the payment they ask, they tell the credit report people that I only made partial payments.

First of all, it seems their customer service is run out of India. The accent and understanding them is extremely difficult. Not even sure if they understand what you are telling them. Then working with their escrow is terrible. But I have to use it for a year before I can withdrawal. I paid taxes before the loan was finalized for a year, then they paid a half year on top of what I paid. Now they raised my payment to cover a projected shortage because of their mistake. Waiting to see if they lower it back down once they receive the refund from the city.

My loan was sold to OCWEN. I recently got a phone call saying I was in arrears on my payment (My payment is auto-sent every month) and I knew that was not correct. When I called them they gave several different reasons my payment was different. (Each time I countered one argument they said, "Oh, you're right," and then would give another one). Now all of a sudden they say my payments has almost doubled with no notice. How can this be legal? RUN AWAY from this company and if you currently have them get the hell out before they do this to YOU!! RE-Fi and get out NOW!!! TRUST ME!!! I have filed Consumer Affairs Complaints and am going to the Attorney General Next.

Ocwen loan servicing continues to wrongfully and falsely report to the credit bureaus after the account has been closed/charged off. I had 2 rental properties that foreclosed in 2009. The accounts were charged off, but at least once a year, I have to contact because they report the delinquency as if it just took place in recent months. This has happened at least 3 times since the charge off.

payments until the modification was completed. Since this time we have filled out serveral remodification applications (3). The 2nd one in March of 2015, to be completed by July 2015. Instead of completing they told me a paper I had sent twice was 2 days late and I needed to send in a new package. Now, the loan is over a year late and Ocwen is moving very slowing and I have been told I could be looking at foreclosure anytime.

Service is nightmare. Duplicate charges made. Harassment by employees. Since Ocwen purchased my home loan this has been a nightmare. They repeatedly add flood insurance to my policy and charge exorbitant rates despite the fact that I currently, and always have had, flood insurance through Meade Insurance Agency Inc 386-328-8627. Meade agents repeatedly call Ocwen on my behalf; repeatedly send proof of flood insurance. And it is conveniently "lost" or "never received" by Ocwen who tacks on fees and costs. I repeatedly go through customer service to get this sorted out and the fraudulent charges refunded, but it's never a friendly or honest process. They have proof of ongoing flood insurance, which has never lapsed, yet they still make harassing phone calls daily demanding additional payment for flood insurance.

My mother in law had her house with Ocwen they sold the house right out from under her. She got a letter 3 days after it was foreclosed and sold, telling her it was being foreclosure sale. Sold on the 4th and she got the letter on the 7th. She was talking with the loan department to get a modification and that letter came on the seventh too, saying she would get another letter anyways. They now have a 70 years old woman homeless. She is trying like crazy to get help to redeem the house back before her time runs out and I don't have that kind of money. I told her to call a lawyer.

Tried to do a very mini short sale. Took 2 years, they never looked at four sales contracts. They finally after repeated complaints to the state and my senators by me approved a deal, and after closing was set up they sold the mortgage to Nationstar which voided the short sale (by the way the "short sale" was $2000 less than I owed. Not very short...) and I had to start all over again. Took another 8 months and I lost another borrower. I've been in the mortgage business over 30 years and they have broken so many laws. I do not know why they are still in business. And because of what they did they are keeping me from buying a house now... Even now it was not my fault I lost 4 sets of good borrowers.

OCWEN is the ABSOLUTE worst company to deal with. I spend hours trying to get them to pay bills from money they have in escrow. It borders on criminal!

Two months ago my wife and I received an offer from a company called Freedom Mortgage. The offer stated that, we can lower our interest on our fix loan by refinancing which in turn will lower our monthly payments. At this time, we have our loan with Ocwen for over three years, never been late once, and payments made at least ten days in advance. During the coast of investigating Freedom Mortgage (make sure they were legit), we found out they were actually associated with Ocwen. My wife thought things was a little fishy but I ignored her. So we closed with Freedom. That was about two months ago. Since then, we heard nothing from Freedom in spite of the many, many calls I made both to Freedom and Ocwen. No one seem to know anything concerning the loan. Finally, someone said they were working on the paperwork and not to worry there will not be a late charge.

Our bank charged off in 2009. When a bank does this the federal government compensates them with tax benefits & more, a little known public fact. Three years later, Ocwen comes along trying to collect from a disabled Vietnam veteran in a wheelchair by harassing letters, sending people to the address for pics (who got caught by a relative a shewed from the property because he had the poor timing of showing up when the police were coming already for a yard theft complaint).

We fell behind when my wife got sick and the late fees and they overcharge us on insurance and taxes and messed up our credit. And their so-called management that don't have a clue to what they are doing. Well they are taking our house and I think that Ocwen should be shut down and be made to pay everyone who they screwed.

Pros: Was able to modify loan when home was nearly lost due to divorce, bankruptcy, and medical problems. Interest rate was better. Still can't get the wusband off the note, despite the fact that they have all the divorce settlement papers and he didn't sign any of the loan mod papers. Cons: Continually harassing phone calls before the 15th of the month when payment is officially late, sometimes 2 a day. Blocked their number. Continuous mail all month, it seems. Reminders, packets. Never a rep on the phone who speaks English as their primary language. Have had photos taken of my house. Have had reminders on my door knob in a confidential envelope (last month), with a torn off shabby piece of paper in it. Guess I'm considered "high-risk," but can't stand the harassing. My payments have gone up randomly (nearly $200/month), with them stating my escrow account fell short. Sure wish I could refinance, but I fear I'm stuck with them.

Was in financial distress and applied for loan modification. Was denied because they required information that was literally impossible to acquire. Was able to borrow money from another lender to catch up on loan payments so I was able to keep my home. The horror stories about these people are true. Unbelievable that our governmental agencies allow them to operate.

I have also had problems with this company! I was amazed with the similarity with other reviews! My mortgage (current and have my own homeowners ins) monthly amount also changes! Then I call Ocwen and after 5 months of back and forth, every reason from: 1. ins proof (which was sent 6xs from my private ins), 2. Creating an escrow acct to which my loan has no escrow, 3. To me "paying" back the escrow to which they created because I had "no insurance" per them, 4. Finally receiving proof.

I have called for 3 months to fix the payment to my insurance company, which they collected the money from me but did not pay the full amount to my insurance company. They apologize for the inconvenience but never listen or fix the problem. This is the last straw with OCWEN. Their customer service is so BAD that I am in the process of refinance because I am so tired of talking to apologetic but ineffective people in India who cannot listen or fix anything just say, "I am sorry for the inconvenience." I have spent four hours trying to fix something that should have taken 10 minutes. I cannot wait to say goodbye to OCWEN. If I could give them negative 5 stars that would be a more accurate rating!!!

Same as all below lies, talks in circles. I wrote to bbb, Ocwen replies has been I've been not timely with payments etc. I provided 10 years of bank statements. I was never late or missed. My interest is 9.9 for years. They have refused to modify and continuously talk in circles. The doj needs to get involved.

In October of 2014, OCWEN confirmed that they had offered a Deed in Lieu of Foreclosure and that I had accepted their offer. They indicated that no further information was required of me. Since then I have received weekly notices of delinquency and periodic notice's that the Deed In Lieu was still being processed. I never received a notice that a foreclosure was proceeding. I have been waiting for the Deed in Lieu to be completed so that it could be executed. I just received a notice that the foreclosure sale had been continued till today, the certified letter was dated last week. I called their customer service and was connected to a call center who provided me with 2 different people (Rosalyn ** and Rachel **) to contact only to later state that they were not handling my file. One was not even employed Rosalyn **) with OCWEN anymore.

We are purchasing a home through a short sale. Ocwen is the short sale bank we are dealing with. They have the final approval on the sale of the house. They approved the short sale 4 months ago. We went and got our mortgage and Ocwen pushed us to a quick close date. Well the close date came and they decided they wanted more paperwork after we were assured they had all they needed. We are now waiting on them to complete the review process. We can't speak to anyone on the US... Their call center in India is not helping and we keep being told "sometime next week". This has been going on for several weeks and we need to close on this house asap. We are running out of time and they are not working with us or helping us at all... I feel totally stuck. This place is terrible and they should not be allowed to treat people this way.

I've spent the last couple of hours reading through the all too many horror stories that remind me of what my husband and I have been going through and with nowhere to turn for help. We didn't choose Ocwen, they just happen to be the company our mortgage was sold this time. Since we purchased our home in 1993 the loan has been bought and sold 5 times. Ocwen being the last and by far the worst!

I am filing this complaint after submitting about 12 packets to the modification team at Ocwen LLC and have yet to get the modification approved. It initially started out in 2013 when I was working. I was told "too much income", then my job ended I was told "too little income". Then I started getting unemployment I was told I could not use this income. Now we are in 2014 December, My unemployment stopped. Again I applied and was told "not enough income". In June I got increase in my VA income and I was told "still not enough income". Then around July I was offered a part time work from home job. About a grand a month I applied again and was told time and time again "not enough income". Where does it end. I know now I will not get this modification. These people cannot get away with this. I need help to stay in my house. Someone Please assist me!

I am a victim much like the ones I have read. I faithfully paid these crooks for 10 years. 3500 a month. I wanted a modification. They pulled everything they come to find out. Somehow my loan was switched to a 60 year plan? And not one penny went on the loan. So much more my story. But my characters are up. But they returned payments, etc.. I felt so angry and cheated and they are still pulling stuff. I'm 61, my house should have been paid off. Now I starting over. I wish God would show up because no one else is to help us!!!

I have been with PHH mortgage since 2005. I had no problems with them until I started paying extra principal payments on my loan. I had to call them and because they were putting my money into a suspense account and not allocating it as I wished. I told them to reverse the payments and apply those funds as I wanted which took about month to do. Meanwhile I was receiving delinquent letters from them stating I was behind in my payments which wasn't true and when I confronted them with this issue they couldn't tell me why. Customer service representatives were not very helpful at all.

I was granted a modification; terms were principal is to be reduced each Oct if I make the payments as planned. Well I have made all of the payments as agreed and have to continually write Ocwen to get the balance to reflect what was agreed. Even with a MBA degree, I was out of work for 3 years. Had to go back to school and learn a new profession and a second masters and finally found work. Held on to the house but my savings are all gone, and my credit was devastated, but I have a good job now. After the modification, I filed bankruptcy; my home was not included in the bankruptcy and I am paying Ocwen directly.

These people have nerve. They don't speak English, so when you deal with their CUSTOMER SERVICE DEPARTMENT, YOU HAVE NO IDEA WHAT THEY SAID.

Ocwen cashed my payment every month in 2013, but they have reported me. I was late 6 times. I have been fighting them in the past year and half but they are not correcting their record. I had to file a lawsuit against Ocwen for illegally reporting me late. The worst financial company in the U.S.

WHY IS THIS COMPANY STILL IN BUSINESS?? Ocwen Loan Servicing is awful. I was laid off from work and could not make my mortgage payments. They would not work with me at all. I was 5 months behind in payments when I got a new job. This company would not take installment payments. They wanted 5 months all at once or they would start foreclosure process. I had to cash in everything I own to make the payment. I am currently looking to refinance. I want to get away from this company as far as I can. DO NOT DO BUSINESS WITH THEM.

Help... I have an insurance check and have spent well past what the adjuster sent. Due to my home still being mortgage with this Ocwen co. They want me to mail them the check and then they will give me 50 percent until the work is 90 percent complete. I have already spent 12000.00 plus of MY OWN MONEY, and now they want to keep it until complete??? Is this normal???

In November 2005 I purchased my home and have a first mortgage with Nationstar Mortgage (previously Aurora Loan Services) and a second with Ocwen (previously GMAC Mortgage). In June 2013 I received notice from GMAC stating that my loan servicing was being transferred to a new servicer. When I didn't receive notice from the new servicer I contacted GMAC by telephone to make my payment. I was told they couldn't accept payment and I would hear from the new servicer. I never received documentation from the new servicer.

Horrible, horrible company!!! For all of you going through this stuff with Ocwen, I think you all should get an attorney. It will be worth the cost. I lost my home in 2013 because of them. They took over my mortgage and I ended up losing my home. I still have the file and it is so thick with requests for more information, denials for a loan modification and on and on and on. I received a letter from them regarding misdated letters from them the other day, which lead me to open up the file. The letters and responses from them along with my notes from the gazillion times I talked to them were so depressing. They create confusion, nobody really knows what they are talking about there. I don't understand why the government lets them operate like this! They have screwed many many people over the years. I was amazed to read everyone's complaints that they are still doing this SAME EXACT things to people that they did to me in 2012 and 2013...

On 11/12/2014 I received a letter from Ocwen stating I was approved for a trial modification with the first payment due 1/15. I had started the process 4/14 and had to jump through all their hoops, resubmitting several documents repeatedly. Yes, it was very frustrating and time consuming but I made it through and was most excited to have my loan payments go from 1,710.00 per month with escrow to 954.00 with escrow. I made my trial payments on time and in full and then they sent me the permanent papers to fill out and return which I did. Then it started again with missing documents and repeated resubmissions of documents until in July everything was in and approved.

Ocwen Loan is stealing my home. After paying faithfully on time mortgage for over 15 years. They refuse to negotiate or assist with loan modification. They say they will, but then months and months, they don't... They talk you in circles, ask for duplicate information again and again and try and wear you down. If you don't think this can happen to you, think again. To think of all the hard work, sweat equity and years I have invested are going down the drain. Criminals! They won't even accept my attempts at payment! They've returned my payments! Beware! Take care!

I bought a house in 1997. The home only costs $42,000 a few years ago I refinanced my mortgage with Key bank. The costs were extremely high then only to find out they sold it to PHH mortgage company without letting me know. Now I've been paying through the roof on a mortgage that doesn't seem to be lowering whatsoever which is very odd and I've been paying too much. I've been never late either but the price I'm paying is much more than it should be. I'm aware that this company has been and most likely still in legal trouble for ripping all off. Impossible to reach them. I want out and class legal action as for they are liable. Has anyone else having problems with them? The balance is not going down I've paid for more than twenty years already!! Whom should I contact??? It looks like others are also having serious problems also!!

I had a settlement with OCWEN of wrongful foreclosure reached in Feb of 2015, and I have never received statement. My lawyer had requested twice, nothing. I have gone online through 3 or 4 times and gotten email confirmation saying that someone would get back with me, but nothing. Then I recently sent a letter registered mail in September and still nothing to a address in Palm Beach Florida address that the only paperwork I have received mail from about escrow account. The only other thing that I have received from them is about homeowner insurance and that was from Texas. I sent the letter to Florida because the women that flew to here to Los Angeles CA was from there. Now October 17th I receive a letter about misdated documents on an OCWEN envelope. I open it up and it is about a class action lawsuit. I thought that I was finally receiving my mortgage loan information and statement but no.

It all started in July 2015. We were behind one loan payment and July's payment of close to $1500 was due. I explained to our relationship banker that we cannot pay entire loan amount. Really. Banker said "that's ok, just pay a partial amount of $1000 and we will accept it". Wrong. Three weeks later we received a letter from Western Union to pick up our $1000 for it was returned undesirable as partial payment. Then the big surprise occurred in August 2015. The loan was frozen because the company Owen stated they had payments missing. From January to July 2015. This was news to us. I offered to pay in succession August September or October and was denied... Ocwen wanted close to $11000!!! Now I have my house up for sale just in case. We are going to court with Ocwen in a month or two... and I have contacted counseling agency. Very frustrated and sick from whole process... Do not do any business with Ocwen.

I have had the displeasure of trying to communicate with Ocwen regarding my mortgage for months now. Number 1, HIRE PEOPLE WHO SPEAK THE LANGUAGE. We can't understand your reps. A quick perusal of these comments will tell you that you are FAILING here. You are not selling Amway or doing customer support for a timing belt. These are people's hope and dreams and their homes for God's sake. I have met incompetence all the way through to the "relationship managers" which is basically code for master of pain. I made a late payment and they said out of the blue, "You need to send in certified funds"...after the 90 day deadline passed. I had never, ever been told this before. The SEC or DOJ or someone need to look into this company. These many people can't be wrong!!!

I have been attempting to get a lower interest rate on my Ocwen mortgage. I initially had a mortgage with someone else and it was sold to Ocwen. After filling out the 30 pages of information, I was advised by Ocwen that my loan wasn't eligible for Harp/Hamp loan modification because they are not a participant in these programs. When I called a government agent, they got the phone with Ocwen. As a result, I was sent the exact same package I initially sent in August 2014. This is a joke. I have been paying Ocwen for quite a few years now and my principal never seems to go down. This mortgage is over 8 years old and the amount credited to the principal should be substantially more than it is. I can't seem to get an amortization schedule from Ocwen either. They are dishonest, fraudulent and anything else derogatory I can think of. Can someone help?

Where do I start? They have had my mortgage since August 2011. I've been making extra payments every month since then trying to knock the life of my mortgage down. The last two years I received an escrow statement indicating a shortage... How is that possible when I overpay every year?? Well, come to find out I'M NOT ALLOWED TO MAKE EXTRA PAYMENTS TOWARDS MY PRINCIPAL! They said I signed a paper at my closing stating that I would not make extra payments towards my principal. So when I asked where all the extra money I paid went they said "it's being held in a suspense account".... accruing NO interest and obviously not shortening the life of my mortgage by any means.

I have nothing but problems with this joke of a company. After years of raising our payments adding erroneous fees we are finally in the last stages of a VA refi. I had read our loan mod again from Saxon the lender we had before Ocwen and found out Ocwen was supposed to change our mortgage payment to principal and interest almost 2 years ago. So because they did not do this we could of had about $25000 in equity. So I called them and told them they were in violation of our loan mod agreement. So I told them that we want the $31000 removed from our payoff amount because this is money that they added with no justification. They said it was for payments in arrears but this is a lie. Now overnight they rose our interest from 3% to a illegal 7.25% overnight. This took our payment from $1719 to $4072.

We as many others have gone thru the modification process with Ocwen and now we have a balloon note of 100,000. At the end of 28 years, my husband and I will be in our late 70s when this will take place. We need help and we need it now!

My mortgage was bought by this company from Chase Mortgage. I was late paying my mortgage to Chase due to family circumstance which were beyond my control. I applied for a modification with Chase. In the middle of the modification process, Chase sold the mortgage to Ocwen Loan Servicing. I explained to Ocwen that I was in the process of a modification, they said that they understood and to send all paperwork that was needed to them, which I did. Never did they call me back explaining the procedure and where I stood. I called them over and over regarding the process.

These people constantly send outrageous fees that they say we owe amounting to over 7,000.00. They cannot speak fluent English and are unable to even pronounce our name! They send certified letters constantly and demand payments before they are due. We inherited this so called mortgage co. as a result of a previous bank sold it to them. We never get statements that reflect the true bill. I can't believe that this is allowed to go on here in America especially after reading all the similar complaints!!! Please investigate before people lose their homes to these fraudulent criminals!

I have a HELOC with Ocwen and they continuously deny checks for no apparent reason and even after calling them to give heads up that a check will be written they deny them arbitrarily. Every time there is an issue the turn around to resolve takes 5-8 business days. They are really unorganized and most agents are clueless on who does what. NEVER USE this company, they have given me so many headaches and has wasted so much of my time. They don't deserve a one star.

We were attempting to refinance our home for 15 years and to eliminate the PMI. PHH was recommended to us as a company that could get it done quickly. What a joke!! We began with them in July; they have dragged their feet, passed our loan from one person to another, none of whom will communicate with us. We are now past the date to which our interest rate was locked in. Now they have raised our interest rate and increased our monthly payment. No one will talk to me and I am very frustrated with this company. If you want to close fast at a good interest rate, these are not the people to use. I will advise people to avoid them because you want a company handling your loan that you can talk to and work with. That is not these people.

The mortgage company fail to paid the insurance premiums for one full year. And now I don't have insurance. And they want to force to buy a higher insurance. The mortgage company name OCWEN. DO NOT REFINANCE YOUR HOUSE WITH THIS COMPANY.

Like the rest, my mortgage was sold off to PHH. There is no possible way to tell if your auto-pay account is set up and that the payment will be drafted. Please just tell me "Billing Method: Automatic" That is all I want to know! Why is it so hard to indicate that there is auto pay set up? Here I am, on my due date, with no payment pending with my bank and no indication a payment is coming out. Do I pay manually? Then I get double drafted? And of course reaching customer service is impossible when their phones close so early. I work all day and cannot call until after 6 pm.

Since today, I put my apartment for sell because of Ocwen. It's almost a year and half, every month they asked me to submit missing documents. I said it's okay send whatever they want, even I sent each document more than 5 times, I asked what the problem, they said documents expired after 3 months. When I'm in the phone I can understand them. I think they are in India. To all you folks Ocwen not a bank, they are a group of miserable ghost group. I received today a call from my relationship manager (Ocwen), surprised me that my refinancing declined because of my financial, what kind of people are they? Horrible company. I suggest to all browsers don't, don't, don't even try to deal with this bank or even mention the name of Ocwen to your friends.

My partner and I have a rental property that is mortgaged by Ocwen. The property value in that area has decreased so we ask the company to consider a short sale. After a year of sending in all the paperwork, the company representative told us it would be better to do a Deed-in-Lieu. We submitted the paperwork for that. After 7 months we received a letter stating that we would have to pay $10,000 in order for them to accept the Deed-in-Lieu. I had to file bankruptcy and now they are telling my partner that he has 60 days to pay $64,000 which is way more than the house is worth. This company is a scam. Who can we report them to. We need to resolve this issue as soon as possible.

The website charges 7.50$ to process your online payment through their website. If you send in a check... they will automatically use it all for principal. If you like these complications I would use this company... if not I would go with someone else.

In the 3 years with OCWEN and much longer (decades) with other mortgage companies, we have never missed a payment. However, this company makes it a point to pester you with phone calls before the 15th of each month when they are supposed to receive the loan payment without penalties. It is on auto pay and yet they surface mail you, call you and email you before the date. On top of that, they try to sound like they are reminding you but really trying to put pressure on you to pay before the date and also sell you other services. This is the only company out of more than dozen that we have had mortgages with that does this. The people calling do not seem to be US based, so they don't even understand how the law works. I just don't pick up the phone anymore if it is from them.

They bought out my loan on my house! I was only on a 7 yr plan and then it was to go to an adjustable mortgage and fluctuate with the interest rates. As we all know interest rates have been low. My interest rate has been 10% locked. That's what they tell me! So I have been paying almost double my house payments. Literally getting screwed!! And they are not under the HARP program. This has been going on for a year and a half. I didn't pin $450 more than my normal house payment. Multiply that by 18 months. I'm pissed and is nothing I know to do! 1 month they made a mistake when I paid my payment over the phone and they acknowledge it after listening to the recording, and they still thought I was late 1 payment but it was their fault.

I would not wish this company on my worst enemy. I had damage that was done to my home and had to file a insurance claim. The insurance company was great. We had a check in less than two weeks from the date of the claim. The only problem was the check had Ocwen Loan services on the check also. For that reason, I had to fill out a pile of papers and the contractor also and mail them back to them with the check from the insurance with my signature on it. There was also an option to send them an additional check so the money could be sent back to me next day which I did. The deal is they will release a 1/3 of the money upfront then after 35% is completed, I have to call for an inspection and they will ship out the second third of the check. Once the project has reached 90% of completion the rest I have to call for another inspection and the rest of the money will be released.

I, too, am a loan servicing hostage of Ocwen. Until tonight, I thought it was just my years working in Loan Servicing that was influencing my thoughts on how my mortgage loan was being handled by Ocwen. I couldn't believe my loan was being serviced by a company outside of the USA. My background is Loan Servicing. I was the Admin. Asst. for the Sr VP and 3 asst. VP's. I was responsible for answering complaints, by borrowers, to the Dept of Real Estate. I worked in almost all of the departments in my 13.5 yrs. Their actions are completely wrong and unethical in the Loan Servicing world. Ocwen appears to be 'criminal' in their dealings with its homeowners. Complaints need to be made to the Dept of Real Estate, the Mortgage Banking Assoc., and any other State Department available.

We have been fighting to save our home for the last 5 years. We stupidly agreed to a refinance with Option One to be able to put a sunroom and deck on our house. The agreement was a 2 year fixed rate, then an ARM, as "the rates will surely go down". Well, they didn't. They went UP and UP. So for 3 years we were paying 2700.00 per month and 103.00 was going towards principal. Then the economy crashed, and my husband was laid off. So we got scammed into paying 2500 for a loan mod. By then our loan had been sold to AHMSI. They approved us for a sweet deal, we made our 3 trial payments, then we got a letter saying that because they hadn't received tax forms that we sent in 4 times, they couldn't approve us for the mod. So they tried to foreclose.

Ocwen is not reporting on my credit that I am paying. They are also reporting that my account is closed when it is not. Never get anyone who speaks English. Horrible. I hate this company. Do not use them. I am now having to contact an attorney to get this resolved.

I get called from another country. I can't understand the person talking to. Tells me my payment is late when I have a confirmation # in my hand. They have also double charged us and have told us they needed to increase our payment to get more insurance Coverage. Which my agent say is fine. I feel the only thing this company is trying to do is take my home. I don't feel it is right for one company to sell you mortgage to another. You should some rights in that choice.

I was granted a permanent loan modification in May 2014. I was advised that an escrow adjustment will be mailed out to me by OCWEN after a year. It was a big surprise that OCWEN is increasing my escrow payment by $1,117.28, in addition to the $992.05 escrow payment that I have already been paying, due to non-collection of escrow cushion after approval in May 2014, that OCWEN did not initially disclose and collect. This is going to cause another financial hardship. My payments will go from roughly $2,600 to $3,617.66 per month for the next year, starting November 1, 2015. I have spoken with a Customer Service Representative (CSR) Mehena, Code **, on September 16, 2015, regarding the Annual Account Disclosure Statement that I have received in the mail, dated July 1, 2015. (Attachment 1)

After reading some of the recent complaints, I am more frustrated than before. My mortgage is more than halfway paid in full. I am preparing to sell the house and asked to have escrow stopped. The answer was delayed for some review, but I was not told that until I called back. I received a letter that I was not allowed to do this. No reason was provided so I called back the third time. At that time, I was told that my investor (Fannie Mae) would not allow it. Fannie Mae website on escrow proved them to be lying. I have reached out to Fannie Mae for assistance.

I have been trying to get my escrow payment adjusted. The insurance on my home is no longer $1,856.00 a year. It has been reduced to $806.00 per year. Ocwen seems to have a problem adjusting escrow amounts due monthly. Also, they seem to have lost and now have cancelled the $1,856.00 payment. The $806.00 payment was received by State Farm and will be applied to the new policy as an annual premium. Escrow needs to be based on $806.00 per year not $1,856.00. I need help. Their consumer service is a JOKE!

We are victims of the recent devastating Valley fire in California and have lost our home. When opening our claims with the insurance companies we have received total support and understanding. Even though the adjusters are unable to begin processing our claims until the fires are out they have called to check on us and to see if there is anything we need. The lending company for our auto loan was helpful and supportive. They are allowing us to suspend payment until our insurance claim can be processed.

I've been paying my mortgage without failing for the past 11 years. I own a condo and Ocwen required a flood insurance proof every year. My condo association and I every year furnish them proof of insurance. With no explanation, Ocwen FORCED buying flood insurance for 2012 and 2014 (no need). All of the sudden they charge in my impound account $9,000 for the forced insurance. They haven't even show me a copy of the forced insurance they said they bought and even though I haven't failed with my mortgage payments, now they want to foreclose my property. There is a class action against them for doing this to homeowners like me since 2008 'til now. The letters they send come with no names, no signature and this is a SCAM that should be prosecuted by the FBI. And if anyone reading this complaint wants to keep their homes, go to them. It's not fair Ocwen is STEALING our homes.

Tax Information. Multiple telephone calls over several weeks. Impossible to provide routine information. Total runaround. Would never use this mortgage company/mortgage servicing company in the future. Entirely unacceptable. To put my experience into perspective, I've never before written a complaint about any company at any time in my life until this moment.

We had a second mortgage that was sold to OCWEN. OCWEN did not send bank statements which I thought was illegal however, most of these financial institutions do not seem to have to follow laws like other businesses. They had the worst customer service of any business I have ever dealt with. It was nearly impossible to get in to talk to a live person and when you did you could barely understand the customer service agent. When we paid off the balance it took over three weeks to hear from them, however, if you are late one day they charge obscene late charges. It all seems very ironic to me. As I mentioned earlier it seems like the banking industry is very unregulated and unfair to taxpaying citizens.

I recently was appointed administrator of my brother's affairs by the Las Vegas court after his passing. I have provided all requested documents to Ocwen Financial services and they will not call me back. I have resent these documents 3 times. I need for them to have the decency to contact me so I can address my late brother's affairs. At this point everything is in limbo. Very upsetting. Please help.

I received a shared loan modification from Ocwen in August 2013. I have never been late or missed any payments as of September, 2015. In April 2015, I received a notice from Ocwen that my payments were increasing in May 2015 from $1799.44 to 1839 then another increase in June to a final total of $1907 due to an escrow shortage. My escrow has not increased and they are requesting $1734 yearly over the yearly tax and insurance amount. This increase is less than two years after the modification.

My sister and I own a house which she is no longer interested in owning anymore. She got married and moved out of the house. Since it is a 2 family I decided to rent the bigger section. To what seem to be a loving family. They have not paid rent in two months. Now I am behind. I spoke with a representative to get the loan modified. They cannot help me until I get a lawyer to do a quick claim deed to remove my sister from mortgage document. They are unable to help me until this is done. Of course I cannot afford a lawyer. The representative recommended that I go to a bank in my community, to see if they could help me. This company has no desire to help anyone. This is about the 8th company my mortgage has been sold to, who are these people.

I am a VA Appraiser and did an appraisal for Ocwen 3 mos ago (6/1/2015) and the Short Sale finally closed recently, but I never got paid for the VA Appraisal I did. Who can I call at OCWEN Accounts Payable to get paid? Been trying for 3 mos to get OCWEN to pay me but my only contact is the OCWEN Short Sale Loan Officer and we can't get her to return our calls or emails. I am a 1-man shop and cannot afford to do these complicated "Liquidation/Short Sale" appraisals for free. Thanks so much for your help.

Where do I begin? Our loan was sold to this company and at the time I do admit we were going through a little financial difficulty. In steps Ocwen promises to work with us and after many faxes and much paperwork we got what we thought was a modification, but we're so happy that we're not going to lose our home that we signed the paperwork and was grateful. Unfortunately we fell behind again and it got BAD! To make a long story short... somehow right now we owe TWICE more than the amount of the original loan.

We had a insurance claim about 3 month ago on our home. The insurance company issued on Ocwen and had cashed it on August 17, 2015. We called on the 20 to get a update on when we would be sent the check. Have talked to several people and can't get a believable answer from anyone. Today is the 28 and still not living in my home. Need a response before a complete is issued to the CCA.

My parents own two properties; One that they reside in and one that I reside in. Last September my mother suffered a massive heart attack, resulting in the need for round the clock care and it turned our world upside down. My dad fell behind on bills and my house went into foreclosure in June. At the same time the foreclosure notice was received dad found out he needed a triple bypass, which was done June 25th. This delayed his completion of the modification package, but we did send it as well as all documents, before the 7 business day cut off before the scheduled auction sale.

PHH Mortgage issued my escrow refund to the mortgage address on file on 7/15/15. I called them a week later to see if they can do a stop and reissue since we no longer live at that address. My request was turned down at that time because a stop and reissue can not be processed until 15 business days after the check was initially cut. I was okay with that and called back on 8/6/15, which is 17 business days later. The guy I talked to said no problem, they will do a stop and reissue right away and send the check to the new mailing address. He also said the whole process will take about 10 days, so call back on 8/18 or 8/19 if I still haven't received anything.

Jan 2011 I started the pre-qualification making home affordable that's when my problems began. Wired their payment too as requested. Have trouble ever since. Now my payments are increasing from 1366.00 to over 2000. Now it back where I was not being able to afford the payment.

I tried working directly with OCWEN on modifying my loan however they would find any excuse to denied me assistance. I would email, fax and overnight requested documents needed to complete my modification request but OCWEN would always tell me they did not have a complete package. I used the following forms to try to get OCWEN to review me for a workout option: Faxes: (407) 737-6352 & (407) 737-6174. Emails: mod@ocwen.com & rma@ocwen.com. Address - Attn: Home Retention Dept. 1661 Worthington RD Suite 100, West Palm Beach, FL 33409.

Loan modification is just a scam. They have no intention of helping. Been living without power now for 21 days because a tree fell through my living room and they refuse to give me insurance check to have power and fix roof. Asking for more documents while me and my animals live in 100 degrees. Filing suit immediately. Stay away from OCWEN. Use American speaking company that you understand. They think that your house is worth more if they can foreclose. They said they were giving me until October 27, 2015 to produce all documents but they filed foreclosure July 28, 2015. Won't pay for a house that you can't live in.

I pay my mortgage payment every month and I am current. My payment prior to Ocwen purchasing my loan was $738. They have increased multiple times. Now they want to increase to $981. They didn't pay my insurance so I was canceled. I thought it was resolved a year ago. I just found out recently that they put force-placed insurance, which is very expensive. I have called and spoken to at least 17 supervisors and passed from department. This has been going on for a year and half and still not resolved. I am at wits end. They want me to continue paying but I have no insurance. Does anyone know of an attorney that deals with this kind of misconduct or an attorney that deals with class action suits?

This has been going on so long... where does a person start? My mortgage was bought by Ocwen many years ago. In 2012 we tried to refinance the loan, they told us not to make payments until the decision was made on the refinance. 3 mos later and about 1000 sheets of faxed paper and talking to an Indian speaking person whom d/n understand my questions and is reading off a printed piece of paper, we were told we couldn't afford our house and they demanded the 3 mos of missed payments along with interest. That's where it all began.

They failed to process my insurance claim documentation within 3-5 business days to send me a check to pay for my roof replacement. On August 7th, PHH told me that the check would be sent no later than August 14th and that I could schedule my repairs the following week. I did as I was told and scheduled the repairs for August 19th. I had not checked on the status of the check because it was not supposed to be sent until August 14th. When I checked the status today, August 17th, the check had still not been processed. Now because I am going to have to get the contractor to reschedule, they are charging me a 10% fee for the issue.

My monthly gross is $3,900 and the mortgage + house insurance + property taxes are $2,500; that's about 51% of my monthly gross income! Government guidelines state that if your payment is 31% of your monthly gross income, you qualify for a modification. This month my first mortgage rose from $776 to $1,877. I have about $22,000 in my savings and my wife is on Social Security. I have to use about $1,000/month to make the mortgage payment. In less than 2 years my bank accounts will run out. Why won't Ocwen give me a modification?

We have been trying to do a short sale for 2 years. We have submitted every paper that they have requested. They had done everything to put roadblocks. Every time you call them you speak to someone different. You cannot call and speak to anyone directly. When you call you have to make an appointment to speak to a certain person. Once you talk to that person they never have updated information. We are constantly getting phone calls from people in India who do not have updated information. Recently after giving Ocwen every piece of information that they needed paperwork-wise, we were called by a woman who told us that we did not meet the deadline would have to start all over again. This is BS. Something is going on with this company and we are caught in the middle. I implore anyone who might be reading this, to please contact me. We don't know what else we can do. We feel like we are being held hostage to this property.

Ok back in 2014 May, we had got in bad finance. I was in hospital bill pill, up out of work, so they told us do package. We did and keep want more. We did maybe 5 modification. Hey fine, tell us they want help 'cause we had modification in 2013 and we can do another in Nov. 2015. My problem: I'm upset why it took from May 2014 'til Aug. 2015. We did everything they ask so now we are going lose home.

I received the annual escrow statement and found the wrong insurance policy and amount listed on the statement. It has taken two months to correct this error though I have still not received the corrected statement. The monthly payment coupon still shows the wrong amount of about $125 more than it should be. The company will not accept payment of the correct amount and insists that the additional amount be included in the payment. Based on the terrible customer service I have already received, I have no faith that the additional amount will be returned any time soon. I would recommend avoiding doing business with this company at all costs.

I am a Paralegal for a Bankruptcy Attorney. I have a client who wants to reaffirm her debt with Ocwen and has been paying her mortgage on time. The first problem is that you cannot understand what is being said when you contact Customer Service. No one speaks clear English in Customer Service. Unfortunately, their Bankruptcy Department is no better. What I don't understand is that a Reaffirmation Agreement benefits them and they still won't cooperate to get it completed.

I started the loan modification process in March 2015. I submitted a loan modification application in May 2015 because I had to wait for the written approval for my unemployment benefits. I had a phone conversation with the mortgage company June 1st and they stated that I needed to add my husband to the application even though he wasn't on the loan. Then on a different date I was told that I needed to move him to a different location on the application. I was given the deadline of 6/21/2015 to compete this. I met the deadline. I received a letter (on June 27th) in the mail stating that the deadline was not met and that I needed to submit the documents ASAP. June 29th I called and I was told that I needed to talk with my relationship manager and that they had to schedule an appointment with her for the following day.

I have a home equity loan from GMAC which they sold to you. GMAC was a great company. If you didn't pay by 15, would give you a call. Ocwen literally called my home over 1000 times last year. They start the third of the month and it is not even late until the 15. I pay every month and have never not paid every month but I have to go up every morning and put my phone on silence went have kids in school and my wife works night and sleeps mornings. This has been going on since they took over my loan. They have called me from the India call center thousands of times.

We had to sell our home and lose money. We could never get our loan taken care of right. Month after month -- extra fees. We had a adjustable mortgage. The price kept going up. We tried to refinance. Lender would not participate. They kept adding things to our bill for people coming out and driving by our property. I decided to look up Ocwen after the fact because we sold our home 2 years ago and I receive a check for 100.00. Says escrow disbursement with no explanation, nothing. So unhappy with this company. I was going through a very hard time healthwise. We did everything we could to try and keep our home. Each month -- horrible fees. The stress was horrible. To know this was a common way of doing business is unacceptable!!!

After suffering a few financial setbacks, and dealing with a few health issues, between my wife and myself, we missed a payment on our account. Just couldn't do it. I contacted Ocwen about a Modification and they were all too eager to get it done. Their webpage says: "Helping Homeowners." I know what helping is all about, and they are not qualified to carry this misleading label. I am stuck with a 7 3/4 % note, carried over from GMAC, who led me through a similar path 2-3 years ago after a mild heart attack. They were cited for numerous violations of the modification process, and hence, have sold off their interest in my mortgage, and now I get Ocwen.

Recently, PHH purchased my mortgage from another company. First thing they did was start charging a fee for online payments that I never had before. Even though a letter was sent saying nothing about the loan servicing would change. Nasty unaccommodating people all the way up to the president's office.

First, of all, I would like to advise those that are suffering as a result of the illegal action of PHH Mortgage. However we may be able to get help by filing complaints with the (FTC) Federal Trade Commission and the (CFPB) Consumer Financial Protection Bureau. CFPB can be reached at 202-435-7000. Add to these the FBI?Justice Dept. and your State Attorney's Office. Search online for these government offices and you will find the info on filing a complaint.

Our mortgage was originally written through Quicken Loans and was placed with GMAC and then sold to OCWEN. We have made bi-weekly payments for YEARS. There has never been a problem until about 9 months ago. We began receiving phone calls stating we were behind in payments. They changed the way they were apply payments and either put payments in "suspense" or applied 100% to principal. Each time it was straightened out, but only temporarily and the next month we would receive calls and written notice that we were behind again. Money was misapplied when they figured our escrow which has inflated the amount they now require us to pay.

I was ask to send all paperwork regarding a modification. I was told that I would probably get a modification after trying numerous times. The next week after submitting all necessary paperwork, I was told that I had a private investor on my loan and therefore I did not qualify for a modification. I was not even aware that I had a private investor on my loan.

Ocwen claimed to not know the party who was foreclosing on our home. Stated that they were the first lien holders and the only ones who could foreclose and we are current and stay in our home. We ended up with a trustee sale and then unlawful detainer court for being a tenant of the new owner TBSF5. But we in fact have recently found out Ocwen was the party who kicked us out of our home of 23 years which was current and now they have charges off our mortgage with the credit agencies. Ocwen is criminals and commits fraud daily and destroys families.

Received my reinstatement quote from Ocwen's attorneys and paid it right away. Payment was to cover overdue payments, certain late charges and fees. The late charges and fees were not paid out of my payment because Ocwen had not posted those charges to my account yet, so my payment had left over funds of about $1,200 which they put into a suspense account and later used it for payment of principal only.

This company is the worse finance/mortgage companies to be involved in. From the time they answer the phone until the time the call ends. I have been battling my house payments since my refinance. Ombudsman's office is useless in resolving any issues. Buyers beware!

After my mortgage was sold for 2nd time I ended up with Ocwen. My old company & I were working on a modification plan and suddenly I was sold to Ocwen. This company has the worst customer service. I could hardly understand the accents of the people I was talking to and trying to explain the legal problems I was having was a nightmare. Finally I was able to get a modification plan, but something is wrong here. I've been in my house for 14 years and yes I was behind with my payments but when I received the modification not only did Ocwen raise the price of my house back to the original price, they also added 30k more to the price, along with a balloon payment at the end of my mortgage. I was in a very desperate situation and grabbed on to any lifeline. I'm in more debt now than before. Is this the way modification was suppose to work?

I want to say that this is the worst company to deal with. I contacted them to negotiate a payoff on my second mortgage and they were very rude by saying "we don't negotiate payoff." First of all you will be dealing with customer service from India and you can't understand them. They are very rude and pushed me off by telling me they would send me paperwork. Well I never got paperwork so I called again and got the runaround. I finally had to call a mortgage lawyer and ask what I need to do and they told me "You are spinning your wheels with this company. They are the worst to deal with." I finally had to sell my home of 14yrs just to get rid of this debt and it broke my wife's and I hearts. Do not deal with this company.

There's always problems with Ocwen. We received a letter saying they were no longer allowing us to pay our own flood insurance. They were going to escrow the amount and pay it themselves. We had no choice. Because the escrow amount changed our automated payment was short $40 (they did call to let us know) but also sent a letter saying a default on payments could result in a foreclosure (we have 2 years left on loan and have never been late). We resolved that and now my flood insurance is cancelled because they never paid it!

These stories are all so familiar in one regard or another. I've had it with Ocwen. Please end the misery. They are by far the most stupid people. I am a real estate broker. I have negotiated short sales and loan modifications for hundreds of families. When I was told that my loan was being sold by Bank of America to Ocwen I wanted to cry. I knew it would be a nightmare and I was right. I live in SoCal. Owned my home since 2001. I refinanced my home with GreenPoint Mortgage in 2004. It was sold to Countrywide then to Bank of America. My escrow account has been transferred from one servicing company to another. Ocwen has screwed up the balances so badly. They are showing that I have a surplus of $64,000. I've requested an escrow analysis be performed. They deny my request every time stating that they are not required to perform an escrow analysis on a delinquent account.

Statement date dated 7/24/15, received 7/31/15, due 8/1. This how they get you on the escrow and late payment fees and my mortgage was sold to this Company and I have never been happy. I also get Rep's call from Ocwen and I cannot understand a word they say except asking for my SS# over and over.

Ocwen refuses to effectively reply to our request to adjust the escrow on our loan with them; they have calculated the escrow wrong. Please, we need the address of an attorney in New Jersey that represents Ocwen in any kind of matter, so that we can serve papers on Ocwen at this attorney's address. Thanks for the help!

We have had Ocwen the last 3 years. They were bought out from GMAC. Since we've had them it has been a total, big disaster. Now we're dealing with a house burning and they forced placed insurance on it. They are not covering any of our belongings or our shelter cost. Then they send us a letter today stating we are in default because we are not living on the property where our house is burning up.

In 2011 I had a renter in a non-owner occupied rental home next door. That renter had been there for eight years and had always paid rent and always on time. Due to illness they had to move and my next renter was not honest about her ability to pay and I fell behind in mortgage payments. The Ocwen company refused any payments after July 2012. Finally removed that renter and found another that sounded and looked good on paper but has not been a paying renter. He, the renter, contends that since I do not have control of property he does not know when they will kick him out and Ocwen has quit communicating with me. It has been three years and no modification though offered. It seems I never send the correct documents or they are not filled out properly. They foreclosed on the property and suspended that while I requested modification. Now I don't know what is happening and I am panicking!!!

I have been in my house for 15 years now and I must say that since Ocwen took over my loan it has been a nightmare. You can never get caught up with your payments with this company. When you make payment arrangements with them somehow it never works out. This year I received a letter from them stating that my house was going to be auctioned in May 2015. I called trying to work out out some type of payment arrangement with them in order to keep my home. The day I called to get my loan reinstated I reached a recording. A week later I received a letter saying that the only way I could get my loan reinstated is if I made a payment in the amount of $50,000. On Friday July 24, 2015 the sheriff came to my door with a letter of eviction saying that I need to vacate my house by August 3, 2015. I Need Help with this illegal matter that I am dealing with Ocwen and now they have changed their name to cover up their mess.

Chase had sold my mortgage to Ocwen and when they contacted me about the change from Chase to them they said my escrow wasn't enough to them. Chase never had an issue with my escrow. Then Ocwen said that the monthly payment had increased almost 200 dollars to cover it. It never went back down. Now I am in foreclosure and losing my house because the monthly payment increased and I could never catch up.

I bought a house in Texas 2008 through Bank One of Delaware. 6 months later I get a notice my mortgage is now owned by another company. 6 months after that the mortgage is sold again to another company serviced by GMAC. All through these changes every payment was paid on time smooth operation payments made through Bank BillPay no problems. 2009 Governor Perry sign into effect a bill that made all 100% Disabled Veterans exempt from property taxes. Great! 2011 we get a notice that GMAC went into bankruptcy and Freedom Mortgage bought our mortgage and OCWEN Loan Servicing would be handling our account.

In 2005 my mortgage with Homeward Residential was traded over to OCWEN corporation. This is July 2015 and only now 10 years later I am discovering OCWEN is not a mortgage company. Who is my lender? This has never been disclosed to me after making consistent payments to OCWEN for my mortgage and in current good standing, did I learn that OCWEN against my knowledge and approval rewrote my original contract in 2013 and altered the original loan agreement, all without my knowledge or signature of acceptance.

So I was late in a payment. 2 weeks late. I admit it. I asked for forgiveness. They decided to make me the example and reported me to the credit bureau. So to prove the point had to print up all the other payments and show them that all the other payments were in on time and they are just busting my chops. I hate PHH!!

My husband and I had financial issues due to medical bills. Filed bankruptcy and struggled to make payments. BOA sold our mortgage to Ocwen. It has been a nightmare ever since. My husband was diagnosed with cancer and passed in 32 days. I have filed for loan modification 7 times with no result and now they want me to file the forms AGAIN. They have absolutely tortured me during the worst times of my life. I have considered suing for all they have put my family and I through.

I hate this company with a passion. Every single one of those people that I talk to are idiots! Even my broker for my homeowners insurance said the same. As of right now I have been waiting on papers to sign (since the beginning of June) to send back so they may complete my modification. I still have NOT received these papers.

I was under BofA before Ocwen. Under BofA, I could make a principal payment 24/7 by visiting the site, making sure payment amount was 0 (zero) and filling in the place where it said principal amount. Done. Ocwen: No can do ever... I have begged them and told them and consulted with a supervisor, etc about this... IT IS A DEBT COLLECTION AGENCY. Why are they in the mortgage business? My loan was, is current and I believe I will have a h of a time getting out of under them. I still have another complaint as they are a debt collection agency, not mortgage oriented. And another complaint.

I requested multiple times that my escrow account be closed. However, in two months and many phone calls that still did not happen. First they claimed they never received my fax. Then I sent a letter and they claimed that they do not have the letter. However, I know they did receive the letter since they cashed the check enclosed with the letter. Then they told me to email them the letter, which I did. No communication from them after that. In more than two weeks, I contacted them again and they said they will forward my letter to the appropriate dept. (which they should have done long before and without my urging!). Will see how long it will take this time. I feel like they've been giving me runarounds.

I have tried for nearly 5 years to get Ocwen Loans to do a loan modification since my husband's death. My husband was on Social Security Disability due to having several strokes and cancer. I did not qualify for survivor's benefits on his Social Security so basically my income was cut in half. I notified the original carrier of the loan but they sold my mortgage to Ocwen. Their customer service is "off shore" and is horrible. I have been threatened with foreclosure because of late payments. I have tried HARP programs and a variety of other loan modification programs to no avail. With my own medical bills and expenses, (no credit card debt) I do not earn enough to make the payments but Ocwen has been no help, so my credit score is now awful. I hate Ocwen and wish I had never heard of the organization.

We finally got our modification after going through H.U.D. and court to get an injunction stopping Ocwen from selling our home. We had to hire attys to keep us in our home. It took over a year and $8,000 in atty fees on top of paying bankruptcy chapter 13. We finally paid off the bankruptcy (5) years. Paid trial modification for (3) months, sent in all paperwork heard nothing for months. Thank god for our attys they kept us almost sane. Ocwen constantly changed their attys through the whole process… mind boggling!

For 12 years I have been dealing with incompetent PHH mortgage representatives that reported to the three credit agencies 8, 30 day late payments incorrectly. Every single time I contacted this agency to try to clear this on going problem, they denied it was their mistake. Every supervisor I spoke with that said they would look into the problem would not get back to me. They just continued to say I was late and that I owed PHH an extra payment. Without a reason or a date? Until I submitted the proof to bbb and after their investigation, I received a letter apologizing for their several mistakes!