Onity Mortgage Reviews

I had my mortgage sold to Ocwen this year. I have been chasing them for 2 months trying to get my homeowners insurance paid. I have been lied to and given the run-around for the last 6 weeks. I see my escow account was reduced for my insurance payment on 10/24/2014 (was due 9/26/2014) and my insurance is still not paid! My advice to anyone stuck with these idiots is call the ombudsman at 800-390-4656 and demand they close your escrow account and send you your money. Register a complaint with your state banking commission and re-finance to get away from these unethical crooks.

My mortgage account was GMAC and was bought out by Ocwen. Last year they sent me an escrow analysis stating I was short around $700. The year before was around $250. This year they said I was short $244.77, which I sent in with the escrow coupon. A couple of weeks later I received a payment notification and it was the incorrect amount because I had sent in my shortage. I called them and found out that my last four digits did not match what they have on file. I explained that I am indeed the owner and was able to verify other information on the account. They proceeded to tell me the $244.77 was applied to my principal and not escrow.

OCWEN has made many mistakes in servicing my mortgage loan in the few months (10) since they acquired my loan from Synovus Mortgage. I write this review in hopes of helping anyone else that may have the same problems with OCWEN. My wife and I bought our new house October 18, 2013, and got our mortgage through Synovus Mortgage. This was our second house purchase with this lender, and they are great. Synovus also established an escrow account to pay our property taxes, insurance, and PMI. In December 2013, we received a letter explaining that our loan was being sold to OCWEN.

As per the usual, I too have had innumerable problems when OneWest sold my loan. Some tips I have learned:

I've tried for over a week to set up an online account. Have been waiting all this time for a confirmation email that I've requested more than 20 times. Re-registered today and still haven't received necessary information to complete registration. Emailed their web service and haven't heard from them. Today a customer service person said they take up to 15 days to respond. This is insanity. How can a company that is so inept continue to be in business?

Our mortgage is with Ocwen. Our complaint is they still have not paid/sent the payment to our homeowners insurance company. I contacted Ocwen insurance department on October 8, 2014 to advise them that I will be changing my current homeowners insurance company to a new company on October 27, 2014 and to make sure not to send a payment to the old insurance company.

I was serviced by GMAC before my loan was sold to Ocwen. At first, I didn't have any issues because it was transparent, the website was the same, the contact numbers the same. After several months, the nightmare set in. I have NEVER had to call GMAC, NEVER, thing just ran smooth. When they switched my loan to the new website I was unable to make a payment online for two months. Each time the process took over 30 minutes JUST to make a payment with a representative. The supervisor said they were "working" on the site and should be fixed in a few days. Second, I attempted to sign up for bi monthly payments, only not to have the option on the site, like GMAC had.

My story is just like the rest. I had Indy Mac. They sold me Ocwen. Ocwen has been giving me the run around with the payments. All the hits just like the rest of you poor souls. I thought I was alone in this but over 900 negative reviews can't be wrong. I also would like to be a part of a class action lawsuit. How about Erin Brockovich or some other amazing lawyer to get the job done before it's too late and tons of hard working people lose their homes? This is horrible. I can't believe they can continue to stay in business. This company is horrible, it's fraud, and justice need to be served. I like some of the others can afford a lawyer but that shouldn't stop us from giving them what they deserve. God help us. Or whatever you believe in...HELP US!! Oh and another thing is the only reason they got 1 star is because it is required and 1 star means angry which is an understatement.

On 11-06-14 I received a phone at about 10:00 am CST from collection dept and another call 7:45 pm same day. My mortgage is due on 1st of every month and I get paid usually around 4th of month and pay it then and usually received on 9th to 15th of month and NEVER have I been over 30 days late.

I don't know where to start other than I wish we would have never ever heard the word Ocwen, for the last few years that they have had our loan it's been a living nightmare. They do not report on our credit report correctly, we have sent them every documentation we have to prove they are wrong, because they are HOLDING on to our payments stating they are not the correct amount. They charge ridiculous fees to even make a payment and keep raising our monthly payment without our knowledge. This year alone they raised it $300.00. All they will say is our escrow went up, strange because we see those bills and NOTHING has changed in 7 years, because they are reporting us incorrectly. No bank out there will look at us even though all our payments are perfect.

I would like to thank B of A for selling my mortgage to PHH. What a nightmare! I tried refi thru PHH, I think they confuse me so I would give up. I could not understand their reps, they weren't from the U.S. I am a 100% disable vet. They don't care. The reps I talk to are not from here.

Pinnacle Capitol sold our loan to Ocwen. I received a notice from my insurance company mid August that they had not received payment. It was due August 1st. I called their customer service and after being disconnected several times, I finally got a person. I was told payment was paid 8/14 so I thought it was done. Received a cancellation notice my insurance was canceled 9/22. Then thru my insurance carrier trying to help, requested a copy of the check, was told it was ordered and would fax over - never happened. Called again and was told they would send a check to my insurance. Four days later I called and was told the check was rejected, name did not match. They has a company named DeSoto as our insurance. They are in Florida and only write insurance for Florida and never heard of us. We are in California. I never want to call India again, can't understand them and nobody follows up, can't talk to the same person twice. I had to pay my insurance to reinstate my insurance and now are trying to get reimbursed. I contacted my agent who set up the loan and I am now talking to an English speaking person located in Iowa! Still trying to resolve something that should be easy.

My loan was sold to these jokers and OMG the pain of doing business with them is crazy! Their website for making payments worked at the beginning of 2014 and then in May of 2014 I was not able to access the website to make the payment. I have been forced to go to a manual payment! I have to mail the check 10 days before the 1st (per OCWEN) in order for it to be posted on the 1st! This is crazy. You have no way of controlling this situation unless you refi and make sure to tell the lender under NO CIRCUMSTANCE can they sell your loan to OCWEN! I don't understand why Wells Fargo has not bought these jerks and fixed the situation. Please someone close down these jerks and protect the people! In addition, I am tired of talking to someone that does not speak English and someone from India! This is just down right horrible. They are so shady. I have tried to refi just to get out from under them and my lender said they have yet to get an accurate payoff from OCWEN. Oh that's a warm and fuzzy.

First I want to start out by saying that we are currently 30 days past due on our loan, so I do take some responsibilities. However, each month they keep adding ridiculous charges. Certified mail (nothing coming certified); property evaluations - yet I have NEVER seen anyone evaluating the property and I work from home so I am always home.

We been fighting this company for over a year now, they raised our payment back in 2012 and never told us till we got a paper from them last year saying our loan was in default. We then tried to do a loan modification and they kept sending us papers saying we were missing papers.....since last year. Well, 2 months ago they send us a new package saying we had to do papers over due to new policy change. Well, last month they sent us 5 papers saying they have decided they are going to auction our home. Next, this month Nov 19th 2014, we are heart broken, we took over the payments from my parents 5 year ago. It's my childhood home.......we have no money to fight them, and are in the process of moving in to my parents' house with our two year old daughter in their small two red room trailer because we have nowhere place to go... we just spend all our saving fixing up and updating our home and don't know what else to do. :( At a total loss.....how can these people be so cruel.

Currently in a chapter 13 bankruptcy. Last statement I received was in 12/2013 and it stated that next payment was due on 5/14. That payment along with payments for June, July and August were sent on 8/14 via certified check. When I called for amount owed for September, imagine my surprise when I was told I owed for July 2014. After much back and forth, I spoke to another agent who said I owed $12000. I then spoke to a third agent who said I owe $2700, which was sent. Called on 10/14 to find out payment amount and was told I own Mar/2014 payment. At this point, I went off on the representative and have also sent an email to the OMBUDSMAN stating I want full accounting of all monies sent. Complaint also filed with the PA State Attorney General over OCWENS voodoo accounting practices.

I took a mortgage on my home with IndyMac bank in 2000. I have never missed a payment or been late a single day in my loan with them and when my home was destroyed by Hurricane Irene, the people at IndyMac were very understanding and helpful. A year later my home was again destroyed by Hurricane Sandy. Shortly thereafter IndyMac sold my loan to OCWEN and dealing with OCWEN concerning flood insurance coverage and the release of escrowed funds has been an absolute NIGHTMARE!!! The phone representative are cordial but they're in a foreign country and many times read from script all prefaced with "I'm sorry for your inconvenience" but absolutely nothing gets accomplished. It took over 20 phone calls and hours on the phone to convince the OCWEN representative that I could not provide flood insurance on a demolished home!

Ocwen pays our property and school taxes. According to the annual escrow statement, Ocwen had sent our town the school tax on September 14, 2014 for both our properties. On October 21, I received two letters from our town tax collector stating that we were in arrears for the school tax on both properties. I then called Ocwen and the customer service representative assured me that in fact they had been paid and he would send me the documentation to support this. After several days, I called Ocwen again and was told that an outside company that paid the school tax never paid it and that they were expediting their investigation of this. No one ever sent us any documentation or called us regarding this matter, which I find to be serious.

Our GMAC loans were sold to Ocwen who apparently is in India. They continue to call with a Rep that is hard to understand and ask for way too much sensitive information before they verify why they are calling. They are rigid and rude and can't be understood. They won't transfer you to a supervisor.

OCWEN receives 2 $400 payments from me each month but can't add so they don't apply the first one correctly so they claim $775 which is my payment is due even though they receive $800 each month then they try late fees.. India calls and asks for my SSN and I tell them "Don't you dare CALL ME THEN ASK FOR MY SOCIAL". Do they think we are stupid?

We received our escrow analysis statement that was completed in September. I received the letter the first week in October which stated that my escrow was short and I had 30 days to come up with over $600.00. I called and no one could answer any of my questions, I was transferred multiple times. I called over a two week period and one day alone I held from 2pm to past 4pm with still no answers. I ended up mailing my escrow shortage the full amount was not posted to my escrow even after I sent in the payment to escrow dept. check had account # and ESCROW wrote at the bottom of check. Will be calling back tomorrow.

Applied for a loan modification through Ocwen. Told me NOT to make payments until trial payment. Explained how important my credit is. Was told don't worry. NOW - two 30-day lates, one 60-day late, one 90-day late on credit report. Legal?

Ocwen has been a terrible company to deal with during the time that they have had my mortgage. Relentless collection calls, five to six times a day. Customer service pressures you to send in payments sooner than I can afford and then one foreign rep will refuse to accept my phone payment, demanding western union only, or sometimes demanding the full balance owed, because the payment is late. If I hang up and call back, another rep (also obviously in India or another country) will gladly accept the payment but keep me on the phone forever. I applied for modification and finally they sent me a predatory deal wherein I would still owe them 135,000 at the end of the loan when I am only 2 payments (3,200) behind, and my payment would go up. Ocwen needs to be investigated and should not be allowed to handle US mortgages. This is a dirty company that is taking advantage of homeowners who pay every month.

Loan was purchased over a year ago from GMAC. Homeowners insurance has always been impounded and no changes have been made to the carrier since the property was purchased in 2008. Ocwen sent premium to an incorrect address and I received a cancellation notice. Called customer service (India) and spent 30 minutes on the phone with an agent who assured me that even though the insurance was to expire at midnight, I had nothing to worry about! Following my common sense I paid the premium. That was 10 days ago. Called India again and payment still has not been sent out.

They set me up for a mortgage that was wrong and when I needed to fix it they put my mortgage payment as late on my credit report when I do not have a mortgage with them yet. They refuse to take it off my credit. I've done this 10 times now they want me to do this again. Anybody know how I can get away from them? They suck.

I made my house pmt on time and received a valid confirmation number. Ocwen didn't draft the money from my checking account and charged me a late fee. I can't afford to make another pmt without being assured that the 1st one won't go thru! All I've received is apologies for wait times.

Always paying one month ahead and overpaying to bring down principal. My 9/1/2014 payment was applied to all principal incorrectly. Then obtaining a letter in default for the mortgage, a fee for being late and a double payment due for 9/1/2014 and 10/1/2014. In trying to call and have this correct, could not understand them and they did not care. Advised make 11/1/2014 payment and we are fine. Not the point, needed to reapply the 9/1/2014 payment as I have been one month ahead for years due to being in construction. No response, they don't care.

My loan used to be with Countrywide. I was so happy to finally own a home. I made sure I was never late. Then I heard they had problems and my loan got passed on to Bank of America. I was always able to make my payments online with no problems. Then 5 years later it got passed to Ocwen... Their website would not know who I was each month. I would have to re-enter a new user name and a new password whenever a payment was due. Finally I started calling them, but could not understand them when I finally got someone to answer. I contacted them to inquire about a loan refinance due to my current rate is 6.125 and I was told that it was not possible. I must foreclose and do a short sale. I have made repeated calls and then finally reached someone that speaks English and is located in Florida. I was told that because of the depreciation of real estate, the value of my house has gone down and I owe more than it is worth... and can only do a modification.

I have done several modifications and followed through with them. The only thing wrong with this is they tap on a subordinate loan that has to be paid in full at the end of the loan. Last February I mailed a payment in and it was returned. No explanation. From that point I did not hear from anyone until now. They are wanting to foreclose on my home. My loan was sold to Ocwen by GMAC and both have been total nightmares. When you call all you speak with is someone from India and can't understand them. They know zip about your loan and probably just reading off a computer screen. I received a statement of which those have been rare stating that my loan has went up $10,000 more. They are charging all of these outrageous fees. How can these people be in business when all they are is scammers. They are not here to help you.

They took over my taxes and insurance when my loan was transferred to them. During the transfer they claim they would pay the insurance. They did not. I could not get insurance in Florida because it lapsed. So they placed insurance for over $2000 per year when my previous insurance was $730 per year. After about a couple months I used the gov ins company Citizens Property Ins that gave me limited insurance for 1400. Then after 6 months I found my own insurance, but at 1100... 3 months Bankers Insurance added and sent me a policy that I never approved or wanted.

I have been in my home for 7 years and have made my payments and I owe more on my home today than I borrowed. For over the last two years they have had my escrow screwed up and last year we had to come up with over $2,000 and just today the same news came. If you add up what they say goes to escrow it is over $4,300.00 going to escrow and with taxes and insurance it is $3,200 a year so how can I be behind on escrow. Every time I turn around we are behind on something with them. I'm very unhappy with this company and would not recommend them to anyone at all.

I had lost my job at the end of 2012. I was paying partial payments and my 3rd payment was rejected because they weren't allowing me to pay partial payments anymore. Was assigned a relationship rep and was told we can do a hardship on the loan and try to do a modification. During this whole process it took almost 5 months going back and forth. During this time they started the foreclosure and no letter was sent to us letting us know they were starting the foreclosure.

In March of 2013 I filed a claim on my roof. I was forced to use their insurance due to a 24 hr lapse in my coverage. The insurance company paid my Claim to Ocwen in full plus a supplement claim. It has been 2 yrs now and the insurance co paid the depreciation now also to Ocwen. I have had Ocwen's inspectors out and verified all the work. I paid in full for the repairs and as of today I still have not received but 1/4 of the money from Ocwen! They have all the required paper work and forms they wanted from me yet they still owe me a lot! Now they are returning my payments and stating I am behind! They are calling the loan due in full and the amount they are requesting is not accurate either! I've already won a wrongful foreclosure case against them once!

We did a chapter 7 on 5/2012. Somehow our mortgage was sent to Ocwen. We had modification payments on time. My husband lost his job 6/14. Ocwen put us under unemployment hardship for 6 mos. Now they are starting a foreclosure. It's not the income, it's no program to help. Had 2 different counselors and led us to believe they would help. They lied. We're both disabled. They suck.

We had a house fire, the insurance company came out and did their estimate and issued a check for repairs. The checked was made out to us and Ocwen loan. That's when the problems began. We contacted them, we had to send the check to them. The person we spoke to said they would check out the paperwork and damage to the home. The next call we find ourselves talking to a call center in India. We had a hard time understanding them, on the phone for hours trying to get the money released. The contractor had started cleanup and repairs. Ocwen refused to release any money at all. We jump thru loops and sent all kinds of paper work to them and still no money even though we paid the insurance company, not Ocwen loans.

Consistently takes less escrow each year and slams me with few hundred dollars more each year in October. Then, deliberately pays my home insurance late and gets bill from my insurance and when I ignore it, they slap me with their own insurance that cost more than 3 times! Plays back "Obama Homeowner Assistance Program" on their auto attendant and when you apply, you get consistent run around. If it sounds like a scam, feels like a cam, then yes, it's a scam. To expedite mortgage payment they only use Western Union, what a scam.

First I changed my insurance and when billed by the insurance company, Ocwen instead of paying the amount due, they paid $1300 instead of $200. Then I had to get a refund to replace funds in my escrow account, when I sent in a check to replace those funds even though I wrote a note and wrapped the check in it, they applied it as a payment. Then I had sent in some principal payments and they applied them as regular payments, All which requires phone contact with Ocwen and I have trouble understanding the people on the phone and it took 3 phone calls so far to correct the principal payment issue. Then they had the nerve to ask me if I wanted to re-mortgage with them. NOOO WAY.

OCWEN says they paid our homeowners insurance in Aug 2014 yet we are at Oct 20, 2014 and it has still not been paid. Despite numerous phone calls from myself and my insurance agent, we continue to get the runaround from their customer service dept and even ended up with customer service out of India. We are in the USA. I had to come up with a partial payment to avoid cancellation of our policy and now another partial payment is due November 6th. I wrote a letter to OCWEN, "Office of the Consumer Ombudsman" and to the "Consumer Financial Protection Bureau" and am hoping to hear back this week. I was told 15 days and also by the 21st. I am not going to hold my breath. Not sure what to do next other than get a lawyer. But can the fees for a lawyer be charged to OCWEN? That's my next venture if need be.

For over six (6) months I have been trying to get Ocwen to file a Release of Mortgage with no success. "Satisfaction Department" 516-682-8745 fax 561-682-8555 fails to respond to voice messages or faxes. Ombudsman 800-390-4656, nice folks have failed to act and now do not return messages. Filed a complaint with Florida Office of Financial Regulation with no response. VERY FRUSTRATED. OCWEN HAS COMPLAINTS FILED IN EVERY STATE THEY WORK!!!!!

First...lost my job - filed for a loan modification which was approved with GMAC in September 2012. And also had to file Chapter 7 on October 2012. The balloon payment was included in the BK which was approved by US Bankruptcy Court in Jan 2013. During this time (4/2013) loan had been turned over to OCWEN...That is when everything became very unclear. My statements would come in showing the Principal Balance of $208,800 and a Deferred Prin Bal. (inc in PR) of 75,800. Their own words!! The original balloon per bk was $74,929.00. No problem until I received a letter from my insurance company stating I had defaulted on my payment due in Mar.

Our home flooded on July 16th 2014. At this time we were involved in a program to save our home from foreclosure and have made our payments on time. We reported the flood to our insurance and had estimates done immediately. We were told that the checks would have to go to OCWEN first before we could have a contractor start the work needed because of the program we were on. However we were told the money would have to sit in an escrow acct then would be sent back in small amounts to begin work. No contractor can start the work with the small amount they want to send us. So our contractor called them and personally discussed them sending more money so he had enough to purchase supplies and pay his workers and Ocwen was fine with that. No paperwork or forms were needed.

This company has to be going under (the sooner the better) -- there is no way it can be allowed to do this to honest people and get away with it. Had our loan for 2 years, was sold to ocwen and have had nothing but trouble since. They keep saying our insurance is not paid and we have the proof it has been paid. We are refinancing -- higher interest rate but at least we will get out from under these slimebags.

I have been working with Ocwen on a short sale. I started this process in March. After having the home on the market for 2 days we received in offer. That offer fell through in July because the Ocwen would not approve the purchase price of $75,000 offer but instead they would do it for $80,000. (I'm sure by now they have lost more than $5,000 in processing and expenses). That buyer walked after the bank not budging. Within a few days, I had another offer for the $80,000. We are finally going to close on this in November. However, I was just informed that the HAFA program was switched to a regular short sale without my knowledge. In my opinion, to avoid the $3000 relocation incentive.

Despite numerous phone calls and numerous empty promises Ocwen Mortgage has failed to pay our homeowners insurance resulting in a cancellation of our policy and that we have been uninsured since September 22, 2014. The premium was due on July 1, 2014. There are more than enough funds in our escrow. I cannot get any good answers as to why this has not been paid nor can I get a remedy to the situation

I applied for a loan modification and was advised that my modification was $30.00 higher than the rate was trying to modify. After numerous calls and several emails to their corporate office which to this day remains unanswered, it doesn't matter who you speak with. Every person will provide you a different response and yet each and every one of them are wrong. I was told they couldn't provide me details on the modification until I sign the paper and that once I signed, I would be on 2 trial payments. That is what my "assigned loan specialist" told me. Then I get a letter stating that because I accepted the new terms, I now pay a higher mortgage.

I received a letter in the mail from my insurance company that my insurance was not paid and being cancelled. I knew that we have escrowed. For the last 7 years we have not lived but have rented the house out. I called ocwen and apparently without my knowledge or consent my escrow was switched to taxes only creating a huge headache for me. I now have to go through a process of writing a letter and getting it back into insurance and taxes escrow and to find out when or who authorized this. i have to contact research department and have a review done.

I went to pay my payment on 10-10-2014 and have to my surprise need an account number. It was also stated online at Ocwen Mortgage bank site that I should have received or may receive info about the change over from GMAC to Ocwen. I have never received any letters to that effect. Calling them is horrible as there are at least x number of phone numbers that can be used. Up until now, my GMAC info worked... I am at a loss for words. Payment is due by the sixteenth! How do I obtain my loan account number from Ocwen? Please respond by email.

My loans were sold to Ocwen from GMAC and all kinds of problems began. Three different Relationship Managers with Ocwen continually lied and misrepresented themselves which put me in a horrible situation with my loans. I have a first and second on my house. I inquired about a HAMP modification June 2013. I received all the necessary paperwork for the modification and asked several times if approved would the modification include both loans. I was told they would work on the first note and once approved they could roll the second note into the first. I was approved on the first and everything looked great. Guess what? I was assigned another relationship manager for the second note and had to go through the whole process again. This took three months and was told not to make payments during this process. I was approved for the modification and asked to make my first trial payment, which I did immediately. A month later I received a call telling me I could not receive a modification because this was a second note. I asked to speak to a supervisor. I got one call from him and never heard from him again.

5/2013 got an escrow check for overpayment. I was told I didn't need flood Ins on my property. I am in a flood plain and have always been required to carry it. Called Ins dept and told them the facts. Got a snotty reply and was told to "prove it then". 2014 they purchased a very expensive flood ins policy in my name without any contact with me in any way. After months of calls they finally cancelled their policy since I have maintained my policy. They now have added their policy back on my escrow. Every time I call them about this I am repeatedly told the wrong information, my faxes are "never received" though I have confirmation of their being sent and told I will get a call back and never have. I have been dealing with this company for 1 1/2 years on this issue and still have no resolution. I am ready to refinance with another company. Ocwen is a terrible company to deal with!

I JUST SPENT ONE HOUR AND FIVE FREAKING MINUTES ON THE PHONE WITH 4 CLUELESS AGENTS THAT COULDN'T ANSWER MY QUESTIONS AS TO WHY MY MORTGAGE SUDDENLY WENT UP $300. They tell me it's because of a lender based HOI that WAS $687 (GMAC) and is now $2037!!!!! NO ONE could answer the justification for the increase and expect me to call back in 2 days. They claim they sent notice in JUNE 2014 about my mortgage increasing and now claim that it's not the mortgage but the HOI.

I am an active duty military member stationed in Oklahoma. In Sept of 2013, I was notified that I would be leaving our home in Tampa, FL to move to Oklahoma City, OK. We put our house on the market for sale in April of 2014 and it has been up for sale since with no interested buyers. When I originally bought the house back in 2009, I did the loan through USAA who I found out later was only a servicing company for GMAC. GMAC eventually went bankrupt and my loan was sold to OCWEN. Since our house has been on the market for so long, in Sept of 2014 we decided to put it up for short sale. The workings with OCWEN on the short sale have been a total nightmare. Requested documents have been lost and I'm trying to work with them about my insurance on the house but to no avail. I can't even get someone in the US to talk to because the calls are routed to India. What the hell is that? I can't understand for the life of me why this company is allowed to still be in business.

I have applied for a loan modification on April of 2014, and as of today my application is still incomplete. I have tried every other way to send in my application and supporting documents from mailing it to faxing, scanning and emailing all the documents numerous times. I had to change my relationship managers three times, because I thought they were slacking and losing my documents as they were telling me the same thing over and over again. I have also spoke with at least 4 people in that department, none of them were helpful, extremely rude and unprofessional, all they did for me was making me appointment to speak with my relationship manager which is always two weeks apart if not more.

I refinanced my home about 12 years ago. The loan was sold three times and ended up with Ocwen. This week I will refinance with a local bank. Do NOT ever ever choose to do business with these clowns!!!! I lost my beautiful slate roof to a bad hailstorm in May. My insurance company is replacing it. My checks which will ultimately total over $40,000 are made out to myself and Ocwen. So, my first check (and all subsequent) have to be mailed to Ocwen for endorsement.

First, we did not know that our mortgage service changed from AHMS to OCWEN. We called HARP and had a conference call to ask for a modification and the rep who we could barely understand said that we were mailed a great modification and did not accept it and the date has expired for us to have the signed package back. I advised the representative that we never received it and what was the offer. He said "I can't tell you however it was a good one," so I asked for a copy to be sent. He said he could not resend. I asked him, "why would you all not certify or express mail something so important."

We were sold off to PHH Mortgage after the place we were with for 5 yrs went out. After about 6 months of being with them, my wife got sick and construction work slowed. We applied for their hardship program. We filled out the package they sent us, returned it to them. Their case worker filed it, approved it on trial for six months. Made the 500 dollars payment which covered the interest and taxes. We went to make the six months payment and they said we couldn't make it, we didn't qualify because I was a seasonal employee, because we didn't work 40 hours a week in the winter in a roofer but it doesn't matter if you work 60 to 80 hours a week the rest of the year.

To begin with, our loan was through GMAC which sold to Ocwen, we continued to make payments but somehow a payment was lost in the transfer, never to be found again. It's been 5 months and two modification applications later, Ocwen has lost paperwork, then said they didn't receive it and all through someone located in India that speaks with broken English. We have received calls from Ocwen everyday since February 2014 saying we are one payment behind. How could this happen when we have automatic withdrawals each and every month? Never been late.

I have been dealing with Ocwen for about 3 years. I filed for a loan modification when it was still GMAC and was approved for that back in 2010. So in July this year my payment went up $250. I filed for a modification. According to MHA I totally qualify for a modification since my payment is more than 36% of my income. I send all the paperwork and they denied me 4 times now, saying that I make plenty of money according to their calculations. That I have no money for food and gas and other things we need on a daily basis, didn't matter to them. Also my other bills I have every month, did not concern them. Bills like Gas, Electric, etc.

I had no choice, they bought loan. They call all hrs even when pymt has been made 6 in the morning, late night.

I was laid off from my job over a year ago and I am still under employed working only a few hours 2 days a week at a school. Needless to say, I fell behind on my mortgage payments. I applied to Keep Your Home California and was approved. Keep Your Home California is prepared to catch me up on my mortgage payments and continue to pay my mortgage for up to a year to assist me through this difficult time. OCWEN will not work with them. OCWEN'S solution is that they reduce my mortgage payment by a whopping $180.00 and I pay them for 3 months straight without missing and then they will permanently reduce my mortgage by $180.00.

We were recently awarded up to 25,000.00 dollars in funds from Save the Dream. Ocwen elected not to participate in the program. That would have reduced our mortgage by 25,000 dollars. They instead opted to say we were 2 months plus fees behind in our mortgage, and take a little over 2900.00 dollars. My wife and I have never received a letter from Ocwen showing us behind, nor have they told us how the $2900.00 would be applied - very strange. We have contacted them for an explanation without success. I have also not received my current statement for the month.

It all started 2 years back when my wife fell sick, she had to be hospitalized and the medical bills ran high. Since that was my priority, I had to stop making payments on my mortgage. Soon after I stopped making payments, I was bombarded with collection calls and each time I had to explain them the situation that I was in and to be honest, they did not care. They advised me to apply for a loan modification.

Lost documents. Modification loan servicing was sold, transferred in the middle of modification to Litton Loan - another nightmare as we had a great docs package put together and were still making payments on time which it take Litton Loan make a mess of. We bought the home for $45. I remodeled, added another full bath and 1800 sq. to the whole back side. Floors redone with all hardwood & tile added 8x8 island w/ skylight, French doors off to a 28x 24 deck. After that home came in at $ 112. We have three girls. We just saw a change. Wife was let go after 19 yrs. They were cleaning house any full time w/ benefits and 3 weeks' vacation paid sick leave. It was our rising family growing old together home. We'll never be the same.

Hello fellow Ocwen customers. I have read several complaints on this forum regarding Ocwen mortgage company because I myself have a serious complaint about Ocwen. I received a modification package from Ocwen last May of 2014. The package was approved and I spoke with a Ocwen relationship manager that confirmed to me that Ocwen have received all of my modification documents that I have fax to them. The relationship manager told me that everything was final and approved and or updated, come to find out 2 months later, Ocwen did not update my mortgage account and they did not apply the modification as agreed to. Keep in mind this was last may, my next mortgage payment was due on July 1, 2014 as stated on the modification, skipping the month of June, so that I was to begin modification payments on July 1, 2014.

Every once in a while I check in to see if this 'loan servicer' has met the punishment it deserves. Sadly, it appears there are still homeowners to this day suffering from their mortgage being sold to these predators. All I can tell you is there is only one way out. A real estate lawyer. You must document all transactions Letters, bank statements (proof of payments)... everything. The phone calls mean ZILCH! DO NOT WASTE YOUR TIME ON THE PHONE WITH INDIA. IT IS POINTLESS IN THE EYES OF THE LAW.

Ocwen charge wrong interest rates on variable rate loans. Contacted Ocwen - they stated that they used the correct rate. Subsequently, I have identified 2 further incidents of them using the wrong index rate to calculate interest. Have now written a detailed qualified written request seeking resolution. It took a long time for me to figure out that they are cheating me, but I finally understand how the whole process SHOULD work. If you also have a variable rate mortgage that uses the MTA and think that you may also be getting cheated, feel free to contact me by email. I suspect that their cheating is systemic and widespread so will look to pursue a class action.

We submitted to getting a modification for our home back in March. I still sent in payment and they returned it. They would not take my payment and the finance charges started. I would call and ask where the package for the modification was. They said, "they sent it." Next, the nightmare began. We completed the package, ALL the paperwork and I faxed it in. The phones were persistent & they kept saying, "they needed more information & we didn't receive all the documents." Trust me, I faxed all the documents as I wanted this over.

I have been with OCWEN for almost a year since they took over 'servicing' my account. Just the other day I received a "Notice of Cancellation" from my homeowners insurance - OCWEN was supposed to pay it for me (as has been done by my mortgage holder for the past 11 years), and they did not pay it. Luckily I called my insurance company and was able to make a same-day payment to them, so my policy was not canceled. Then I called OCWEN... got the runaround... NO LIVE PEOPLE, automated.. When I finally DID get a live person - it was in INDIA and I could barely understand 'Rashid'... She said she could not help me or give me any information on my loan. She kept repeating the same scripted words which didn't help me at all.

Where to start? First the harassing phone calls originating from overseas with non or broken English speaking reps calling all hours and several times a day wanting you to verify who you are when they called you, wanting to sell you additional insurance for your home that you don't need. My husband is a Coal Miner which means he works shift work and his shift changes every week. They call and wake him up with these stupid phone calls and he tells them not to call back, that we are not interested and that they have woken him up. Couple hours later another phone call when he starts yelling at them telling them that they have woken him up again, that he has a dangerous job and he has told them not to call. Their response is "these calls are recorded." My husband says, "Good, I'll get you for harassment." They hang up... and still another phone call.

We called them on Sept. 10 2014 our house payment was scheduled to be taken out of our checking account on Sept. 15. We found ourselves without enough funds to pay the full house payment for Sept. 2014. My husband explained to Ocwen's representative that he is a commission sales person and that he has not be able to work due to several health issues that required hospitalizations and long recuperative times where he was unable to drive or be on his feet. As of August we have used up all our reserves and because of a short month the premiums collected were not sufficient for us to pay our total house payment. Ocwen's representative said they couldn't accept a partial payment. After the representative heard about my husband's health issues over the last year they suggested that we apply to them for a loan modification.

I contacted OCWEN after receiving a letter my homeowners Insurance had not been paid and was being cx's. I was told to disregard the letter bc payment had been mailed two weeks prior. I pushed the issue and had them contact my Ins Co directly and they were told a check would be re-issued and sent 2nd day air. That was Monday 9/8/14. Today is 9/12/14 and a new check hasn't been sent bc they said they had to wait for the other to be cx'd and they would send new check today. WHAT?! They refused to overnight or pay it electronically OR transfer me to a complaint department. Not cool, OCWEN.

Chase sold my mortgage to Ocwen. There was $60,000.00 in deferred principal after I received a mortgage modification from Chase in 2009. Last year my total loan balance was $345,000.00. It is now $347,900.00. I never missed a payment.

I started by called PHH and asking if they refinance existing loans. They indicated that they did. The first person I spoke with was very helpful (to get me in the door). I explained that I wanted to go from a 30 year loan to a 15 year loan and that I wanted to roll in all the closing costs so that I didn't have to pay anything at closing. He said this was fine. I locked in a 3.79% rate. He then transferred me to another person who was handling the "underwriting" - I was approved. I was told that I was closing twice but could never get anyone to return my calls. Two months have passed and of course I'm continuing to make mortgage payments. He then calls and tells me that my loan amount has gone down (because I'm making regular payments) and I no longer qualify for the 3.79 rate and now it's going to be 3.80. I was forwarded 4 good faith estimates at different times during this process and all of them were different. Mind you I returned everyone with 12 hours of receiving it.

I pay my mortgage payment and impound account for both my property taxes and my annual homeowners insurance every single month. I was under the assumption that Ocwen Loan Servicing would do their job and pay my property taxes and homeowners insurance in the amount owed and in a timely manner. Silly me. Ocwen "claims" that my agent gave them the amount to pay when in fact, an Ocwen employee ignored a cancellation notice and referred back two months for payment information, which was not pertinent for the upcoming year. In doing so, my premium payment was not made for the 2014-2015 year and my policy with a triple A rated insurance company was cancelled. I was forced to find coverage with a single A rated company as my previous company would not reinstate.

Let me please start by saying after googling this company and seen all of their shady practices, let me tell you my story. Originally I had a loan modification under a HAMP program through a company called AHMSI. Apparently they had sold to Ocwen. Here's my issue. The problem is they have sent me a notice on July 26, 2014 that my insurance had expired in February 11 of 2014. I immediately called them and explained that this cannot be correct because I pay escrow in a certain amount each month to cover insurance and taxes. I was then diverted to the insurance department where they proceeded to tell me that it was my responsibility to obtain new insurance and quickly send them the declaration page before a third notice is received and then they will place forced lender placed insurance on my account.

We are honest hardworking people who tried to sell our home for 3 years. During the more than 40 years of homeownership we have always paid all payments on time. We have always maintained an excellent credit rating. At the recommendation of our third realtor we contacted Ocwen in March 2014 to begin the short sale process as we were retiring and could no longer continue making payments on the property. We submitted the required paperwork which was denied because we had no buyer. Knowing we would no longer be able to make mortgage payments after April we sent in paperwork for a deed in lieu. This was also denied 5/28/14 because our loan was current.

I have been paying my town taxes separately ever since I have bought my house. My original loan has been sold 2 times.. the latest is with Ocwen... This is the WORST company I have had to deal with... I was late paying my November taxes.. My town never sent me a letter.. I paid them Feb. Ocwen also paid them after I did... Then they have been paying them and I have been paying them..... NOW they say I owe them over 7000.00 in ESCROW...... I NEVER EVER HAD ESCROW!!! I hate this company.... They made my credit go down so much.... I lost sleep over this, I also received a letter of foreclosure.. In the mean time I am paying my monthly mortgage payments.... I had no idea this was going on until I received harassing phone calls several times a day.

I have filed bankruptcy and somehow they have ended up with the loans for several of my rentals, they are not the original mortgage holders. I continue to get mail from them almost daily either wanting to modify the mortgage or wanting to "protect" the property by securing it. These properties have been sold for back taxes because the mortgagee did not pay the real estate taxes after or before foreclosure and I have told them this repeatedly. Their reply is that there is still money owed on the property, they need to collect. I hope they don't go in on the current resident/owner and harass them. I don't think they realize I know they don't have a claim on the property and could not deed it to me if I did pay it off. They are only a collection agency.

I also did the low interest loan in 2011 by a reputable company, who sold it to PHH Mortgage. Since then, every few months I try to set up my online account. Each time it requires 3-5 phones for success. Then I go online and can NEVER find nor see payment history nor any account information. I even logged in with them on the phone with me and click the "Loan History" button and NOTHING CAME UP. They said, "Well, it must be that we just reset your password. Check back tomorrow." I thought, "I'm logged in, I can see my account number, why can't I see my account billing and history?" I tried to log in the two days later and my password had been reset by them requiring me to start the process all over again.

Hope you can work it out with this outfit. A member of my family just went through a foreclosure with Ocwen. The only notice they got was that their house had been sold. In our state a company like this only has to run 3 notices in a local paper.

How does one take a 30 year mortgage and turn it into a 50 year mortgage without contacting you or having you sign a form!!!!

Ocwen purchased our mortgage during the sub-prime bailout. At first, they were professional and mailed documents to be completed to get the payments back on track.

I've been trying to get a loan modification now for over 3 years. They're giving me the runaround by not sending out the documents when they say. When I went to Colorado housing and finance for help, then all of the sudden after 3 years they are now saying they can help me. They denied my original application for not being a bank. Now they want me to fill out an application and said they sent it but I haven't gotten anything from them. They call and harass me almost everyday. They say because it's an automated dial in system when they have already set an appointment with my relationship manager. They put me into pre-foreclosure and now are saying that they can help me. It seems like they are delaying me from getting the help I need. My foreclosure date has been set for December 17th, 2014. I never got any notice saying this. I got a HUD notice posted on my door stating this was my date. Ocwen's customer service is telling me that it has been cancelled. I'm not sure what to believe. Can you help me?

Loan current and always has been. Tried a mod. Lied about value of home. Secured fraudulent appraisal and said didn't qualify for the mod. No rejection notice; compliance issues not important with these folks. Much more - not enough room.

Long story, but ours matches the majority of what has already been posted. Tried to have PMI removed and it took almost a year to get a simple payoff amount. Tried to refi the loan and after all the lost paperwork, delays and etc that this company does, we gave up. Talking to supervisors and managers of the company does not work, All the same. It must be in their handbook to suck every dime they can by constant lost paperwork and/or delays. If that is not the case, then this is the most incompetent mismanaged company on the planet. Now going every other route I can find to have these idiots paid off and am more than willing to pay a higher rate to any other company just to be rid of PHH.

Like others, Ocwen has taken over my mortgage loan. Since then they have never even sent me my monthly mortgage bill and I was told by the lady overseas "we are changing our system and you will get it soon". That was two years ago and now or for the last 11 months, they have been trying to force their insurance on me stating that I have not had insurance since 2012. I have ignored the certified letters as I am not going to waste my time and fuel on these people.

I'm 77 years old and have dealt with 11 lenders. I've had no problems with any of them except these idiots! My account got behind when I was out of work and couldn't walk. When I got back to work, they said they had a plan to bring my account current and if I would make the specified payments I would be good to go. After I made the payments (as stated in writing) they said I was two payments behind and kept harassing me for more money. After approximately 25 to 30 phone to them, they finally got their records straight (about 4 months of harassment on their part).

My loan was serviced by American Home Mortgage and was sold to Ocwen, I'm June 2013. I continued making my payments to Ocwen as I did with The previous mortgage company. Ocwen received our payments but kept placing them in a suspense account and never applied it to our loan. When I called, they told me they had not received all info from previous mortgage company. Then I called - they said they did apply the amounts but I was three months behind when they took over the loan. This is a lie! I sent copies of all my payments, they never responded. Six months past by and in February 2014 they stop taking my money, send back my check and tell me my loan is on default! I have record and cancelled checks but they refuse. They threaten to foreclose and default on the loan. I sought legal representation and all the sudden they approve me for a trial loan modification.

Ocwen claims that my July 2014 payment is $500 short. They have called me 10 times this past month asking me to contact them. I have called at least five times (during my working hours) to resolve this problem. I give them my correct name, account numbers, social security number, interest rates, etc. and they CANNOT CONFIRM WHO I AM!! I ask to talk to a supervisor, BUT, because they can't verify who I am, I cannot talk to anyone! I threw a fit and they finally were able to pull up my account...THEY were not entering the account number correctly! In addition, they have an incorrect social security number...CAN"T FIX THAT EITHER!!! Why? they can't verify who I am! It's endless!

I sent a written request to Ocwen to cancel my PMI along with all the necessary documents they requested. The company keeps denying my request for no clear reason. Each time I call, a different customer representative gives an illogical reason. Both agents and supervisors for this company are incompetent and unable to help. This company does not care about their customers. Their main purpose is to take your money even if that means for them to break their own company policy. God, deliver us from Ocwen.

I've submitted a claim to OCWEN requesting they investigate the fact that in switching over from GMAC, the toll free phone number re-routed its customers to a new OCWEN line. Yet OCWEN claimed that in order to have a payment that was made, be on time, there was a different number that needed to be called. I didn't have a problem calling in to GMAC and was noted as being on time, but OCWEN said I was late. Then there should have been NO allowance at all for customers to use the same phone line. And if we paid before the end of the month, those customers should have been recognized as on time. My name was submitted to the credit bureau due to OCWEN not accepting payment through a toll free number that clearly stated "You are now being re-routed to OCWEN..." I'm looking for help AND need modification or refinancing but don't want to use OCWEN. I also believe that additional charges added to my account have been inflated.

My step dad and it took 8 months to get them to put in mom's name. Then she died that left me and son. I'm trying to get training on SSI. We don't want to lose home. Ocwen is foreclosing, they won't even try to help. Go to court this next week. They are probating my will to foreclose. I can't get no help cause not in my name but have will.

I received my payment coupon for payment due 09/01/2014, this was paid on 08/03/2014. I then received my coupon for payment due 10/01/2014. It shows sept being paid. I then received a coupon again saying that I owe for sept. They said they had problems with their lock box and destroyed the check and that I need to send another check. Well, I hesitate to do this since they cannot send me back my original check. My bank will charge me 35.00 to stop payment. Why do I have to pay for their mistake. Who can I complain to about this company, since they do not respond to consumer affairs or the BBB. Based on the complaints that I have read about this company, they should not be allowed to do business..... I need help. This is not the first time I have had a problem.

My mortgage loan was with GMAC and is now being serviced by Ocwen. I've had a loan modification with GMAC in 2010 with a step up rate of 2.5% for the first 2 years, 3.5% for the 3rd year, 4.5% for the 4th year and 5% fixed thereafter. My property was damaged by Hurricane Sandy and I had a non paying tenant which has caused me to become delinquent. I am now 28 months past due and have applied for a new loan modification and was denied 5 times. Ocwen's reason for denial is I am not eligible for HAMP and my investor does not allow more than one modification for the life of the loan. They should have told me that they would not allow another modification since I re-applied the first time but they failed to. I have been assigned a RM and he is not very helpful at all. They keep requesting paperwork that was submitted multiple times. They are ridiculous. I was scammed last May, 2013 where a guy promised me that he would modify my loan and I never heard back from him. I then hired a Law Firm and they keep taking my money every month since January, 2014 with still no modification in sight. I am so confused and need desperate help!!!

OCWEN is the most difficult company I have ever dealt with. At my job, I have to order documents from several other loan companies and none of the other companies make me jump through hoops to get what I need for my customers' loans. My customer (OCWEN's current customer as well) requested documents from OCWEN 2 weeks ago and they send him the wrong documents. Since then, my customer, the loan processor, and I have contacted OCWEN several times to get this corrected and still have not gotten a resolution. I have also faxed over the request several times and they continue to tell me that the requests were not received and then when they finally acknowledge that they received my request, they still won't send the documents to me for at least 3 business days. So frustrating!

I have a mortgage which was sold to OCWEN. I converted from monthly payments to bi-weekly payments. The OCWEN agent insists that my bi-weekly payments are credited to my account immediately. However, my statement clearly shows that the first bi-weekly payment is simply credited to a suspense account and only when the second bi-weekly payment is received do they credit the combined amount to my mortgage account. Other than this being a clear lie by the OCWEN agent, this company is sitting on my money for 2 weeks every month. The biggest impact of not crediting my bi-weekly payments immediately is that my mortgage will take about 5 to 6 years longer to pay off.

I have attempted to modify my mortgage 4 times. I was denied both HAMP and in-house each time. If Ocwen knew that a HAMP could only be done once, then why did they ask me to apply 4 times. I was told that my owner/investor said I could only modify 1 time only when I asked about in-house modification. I called the owner/investor. He stated that Ocwen used him to get the heat off them. He stated they never want to help anyone. He stated that Ocwen has been doing this for years, he was the one who inspired file a complaint. I just filed a complaint with Consumer Financial Protection, I heard they would help. I will find out soon.

I owed $16,300 on my home and refinance 7 years ago. The company was American Home Mortgage Corp. They shot it up to $75,000 and after 7 years and this Ocwen is the third one - it is still $68,000. I have been trying to get some papers filled out so I can get help with my mortgage and all I get is somebody who I can't understand. All I need is a W9 form filled out and I can't get that. I am soon to be 71 and have lived in my home since 1983. The people in Detroit were raped by these company who said they would help save our home.

Ocwen purchased my home from Wells Fargo in 2005. I disability retired from the Postal Service in 2008. They established there escrow account to pay my property tax (approx. $2,500 per year). My mortgage payment should have increased from $1,350 to $1,558 ($2,500/12=$208). Instead, my payment was increased to $1,700 eventually forcing into default (in 2012) as my financial reserves were depleted. Over the next 2 years I applied and was denied a HAMP 3 times while they assured me "Helping Home Owners is What We Do" and playing the usual cat and mouse game of lost, illegible, and outdated paperwork, resulting in $52,000 in the rears. Fast forward to 2014, I hired a law firm who on the 2nd attempt negotiated a loan modification and now owe $3,400. Awesome, now they want me to agree pay 30 years on loan of $204k + rears, cool. Fine print... at the end of the loan, make 1 time payment of $175,000, for what, not cool. Ocwen needs to be sent to directly to hell, do not pass go, do not collect $2,000,000,000.

Terrible customer service. They always have my payments in a suspense status, then tell us we missed the pay. They always do such a despicable trick to fool customers. I don't know what they are doing. Why are they allowed to scam the customer?! I HATE OCWEN MORE THAN ANY COMPANY THAT I HAVE EVER DEALT WITH!! Everyone's Complaints & Reviews telling what I will say: It is difficult if not impossible to "get out" of a predatory servicer like Ocwen. Very easy for them to hold funds in "suspense" and "create default". They are messing with people's lives and IT IS FRAUD. I am sure they KNOW that it is impossible to refinance once your credit is messed up. Plus, THEY DON'T CARE IF YOU ARE UNEMPLOYED OR NEED YOUR CREDIT TO HAVE OR KEEP A JOB. They just want to foreclose, that's where the money is. And if they can't foreclose, they will take your escrow money and play poker with it. Ante up.

We got a call from Ocwen telling us we were behind on taxes and insurance from our gmac days and if we didn't pay $800 that our house was going into foreclosure the next day. We told the Indian speaking person on the phone we didn't have 800 dollars. He said they would do half on one day and half the next week which will be this Friday August 22, 2014. We were panicked so we paid them 400 dollars and the more we thought about it the more it sounded like a scam. So I wrote to the board of Ocwen about the phone call and he said that it wasn't them calling, that the scammer used their phone number and got 400 dollars out of us which we really couldn't afford but scrounged up the money. We are sick to our stomachs about this and want to warn other people about the scam. Just because the phone number says it's Ocwen calling it could be scammers on the other end.

I called Ocwen for a refund check from my escrow account. I waited over 3 months, every time I call they send the check to the wrong address or the check is on the mail. They even gave me a check number. When you ask for a supervisor nobody is available. I told them my new address since the beginning and the over 10 times, still no check. And waiting on the phone to speak to a supervisor no one available. Been waiting for over 20 minutes.

GMAC sold my home mortgage to Ocwen Loan Servicing over a year ago and since it has been nothing but trouble. I always make my payments online. For a few months everything went fine, then after an Ocwen website "update" my bank routing number was not accepted by Ocwen but this was not known to me. My payment was not recorded. Upon discovery, I phoned Ocwen. The routing number was entered correctly but there was a problem on Ocwen's part. Ocwen insisted that I get a money order or cashiers check to make my payment in May of this year. June and July's payment were accepted online and I thought the issue was solved as both payments appear on my bank statement. However, as I try to make August's payment, Ocwen is again insisting that I send a money-order or cashiers check. Their customer service department is not helpful!

GMAC sold my mortgage to Ocwen sometime in 2012. My 2013 property taxes were paid late (in 2014), thus I could not claim them on my 2013 tax return. My homeowners insurance was paid late causing a cancellation. And today, I received a letter in response to my above two complaints and included was a letter to another customer (including his account number!). I also see today that their year end accounting had to be restated due to errors in mortgage dispersions. Shouldn't the FDIC get involved?

My husband and I used this company for our mortgage. Unfortunately he passed away 5 years ago. I have trying to make some changes or refinance my mortgage with them. It has been impossible to authorize me to make any changes. The only thing they like is my money, they don't care if I am authorized or not. I have sent the documents several times, they never receive them. I request their address to go myself to drop off the documents, of course they haven't receive my request either. The worst is customer service by phone, they have a lot of problems for understanding. They repeat and repeat the only person who can make changes is my dead husband. Do I have to hire a lawyer for this?

My GMAC mortgage was sold to Ocwen a little over a year ago. I have had nothing but problems with this company. After doing a bit of research, I found that I am not alone. In fact, this company was the subject of a lawsuit that was settled in December 2013 for their practices with regard to mortgages. I want to encourage everyone who has had an issue with this company to go to the Consumer Financial Protection Bureau and submit a complaint. This organization monitors issues with consumer financing and helps pass legislation to protect the consumer. On their website, you can also download and read the settlement agreement from December and see what the company has been ordered to do. I found it to be very interesting and informative.

I have a loan serviced by Ocwen who took it from my previous lender, GMAC. GMAC granted me a modification in 2007. I paid Ocwen my payment of $1898.90 on time every month according to every statement that I received until I received a call in May of 2014. I almost choked while having breakfast when they called to inform me that I was over $20,000.00 behind in my mortgage payments. They told me I had to send them a new payment amount of $2012.11. I received a note telling me that they had not received the payments of $2012.11 since August of 2013. If my payment was fixed for 30 years including principal and interest. Why were they changing it? No answer. I have had dozens of conversations and they call me daily just to tell me they will look into it while making demands for money they already have. They have all my payments in a suspense account. They were billing me for $1898.90 and that is what they received. Also they have not applied any of my payments to principal.

I hated Ocwen from the beginning. They pull more tricks to get fees than any company on Earth. If you try to pay by phone, credit card, anything out of the usual there was a fee. They tried to force their insurance on me many times when they thought I was going to be late, but I was not late. They did place their insurance on me once until I fixed it and showed them proof. They try to place the insurance when you get a late warning from the insurance company, NOT WHEN YOU ARE ACTUALLY LATE. I got the feeling [which turned out to be correct] that they were treating this forced insurance as a profit center. I think that they were also mad because I always paid on time and they couldn't make late fees on me. I got fed up about 3 years ago and switched to Quicken Loans. I HATE OCWEN MORE THAN ANY COMPANY THAT I HAVE EVER DEALT WITH, EVEN MORE THAN COMCAST! Please let me know if I can join the class action if there is one. Please contact me 1st by email as I travel a lot.

My mortgage was sold to Ocwen Loan Servicing and I encountered issues related to loan payments not being credited on-time. I got the loan modified to reduce the payments. However, there were two loans and they won't modified the second loan. The first loan was initially 8.75%; modified to 3.625%. The second Loan is 11.75% and cannot be modified as per Ocwen. One home, two loans and they refuse to combine or modified the second loan. After a little over 2 years, Ocwen increased my first loan that they modified by $541. First response was: "The Insurance increased." I checked - that was incorrect. The second response: "The taxes went up", I was told. I checked and there was no recent or current increase. The third response I received was "Well, it's your escrow did not have enough." As of today, I'm not sure what or why the increase occurred. In addition, I faxed them my name change in 2010, 2011, 2013 and 2014 and they accept all my checks on my maiden name but have an issue if I have to file a claim of any kind and won't correct a court order to change the name. I have been ask to sent the documents over and over and although it's done no correction is made.

I bought my house in Oklahoma in 2004. After 6 years, my loan was sold to Ocwen. The very first payment that I made was over 200.00 more than the last months payment. I called customer service, got somebody named Carl in India (really??). I asked why my payment jumped, and he had no answer. I asked to speak with someone in the Houston, TX office, to which he said he was in Houston. Umm, yeah. Now fast forward to 2014. I have been trying to get my name removed from the loan. A quit claim deed has been filed, A divorce has been finalized, and they still can do nothing for me. As a result of the other party not making complete payments, my credit has dropped some 175 points.

Our loan was purchased by Ocwen 2 years ago. We have never been late or paid a late charge. They are systematically destroying our credit and attempting foreclosure. We have been on the phone for over 60 hours trying to prove them their mistake. They say they will get back to us in 7 days in their thick Indian accent, which they never do. We have hired an attorney and are going after them and the attorney is getting a similar runaround. This company is a public owned company. They cannot continue to operate illegally. I have never seen this type of bullying before in my life. We are supposed to have rights and fair home mortgage practices. We are not giving up and will fight these players to the end. They keep cashing our checks. Never give in!

7/14/14, I made a mortgage payment to Ocwen mortgage. The money has never been taken from my checking acct. I received a letter from Ocwen, informing me there has been a return item. As a result reversing the payment and leaving an outstanding amount?? These funds were applied to my account prior to my loan transfer and I was given full credit for them??? In order to complete the processing of the loan transfer, it is imperative to replace these funds??? The account has already been transferred. I am up to date on both Indy and Ocwen payments. The issue here is Bank of America stated Ocwen has not come to collect the payment for July, and that there is no return items. Ocwen sent me a letter they are very concern the July payment has not been made?? Because they show no payment for July, I cannot make the August mortgage payment. What are they doing? Why are they allowed to scam the customer. I looked on the internet, very similar complaints from this bank.

Ocwen duel tracked us from the start and are still doing it today 8/9/2014. They sold our home and want to kick us out and make us homeless. They sold it to their selves.

We have spent two years trying to short sale our home in Maryland. We bought at peak market and is now severely under water. Need to short sell was triggered by involuntary loss of employment. Ocwen found one "reason" after the other to stall until we lost two qualified buyers. Our qualifications for short sale and the buyers' qualification were not disputed. The offer amount for the most recent offer was exactly what they said they wanted. But, they kept asking for the same information and forms over and over. The buyer in good faith extended their offer multiple times. Eventually, it became obvious to the buyer, the real estate agent and our national short sale expert adviser that Ocwen was not dealing in good faith. The buyer refused to extend again, the real estate agent bowed out and the adviser, who has concluded many short sales nationally agreed that it was obvious that Ocwen was never intended to close a deal. They callously wasted everyone's time. There is nothing more frustrating than trying to negotiate with someone who it turns out was never negotiating in good faith.

This is the most inept mortgage company I have ever dealt with! They bought our loan from GMAC and it has been nothing but a headache since. I have to call them every month to get them to fix their own mistakes, one thing after another. We pay our mortgage payment every other week to pay down interest quicker, or so we thought. About 6 months ago, we started receiving letters every month stating that we had made a partial payment and they were holding our money in a suspense account until they received the whole payment.

Our home mortgage was sold to OCWEN maybe two years ago and we are very dissatisfied with their service. We have reserves collected for insurance and taxes and in the end of March, we received a letter from our insurance company that they would be canceling our insurance within 7 days because they had not received our payment (What?!). Our payment was due back in early February. When I called OCWEN, they had apparently just paid it the previous day and there was no reason for the late payment given and no apology. This is unacceptable. Second, I pay everything online - we do not write checks for anything.

Paid them all payments. My bank even sent them evidence of it. They will not respond and say they received notice - Just a runaround. Keeping a record and file of all communications with them. If no response and clearing up this, I like to know if anyone has a class action lawsuit against them. I want to be in it soon. Will get my lawyer involved and take them to court for fraud.

Got behind on mortgage past 89 days because going thru a divorce! Tried to make several payments but wasn't allowed! Ocwen suggested a modification but couldn't guarantee that I would qualify for modification? They told me that it takes 30-40 days to review! My concern was I don't want to get behind anymore, so I wanted to pay the full amount that I was behind. The relationship manager then said, "You can't do that and we won't accept the payment!" She first told me what I owed, then I agreed, then after I agreed, she told me 2 different totals. Then rebuffed the payment that I owed, then told me that the payment was 3000 more than what I owed!! Every time I talk to Ocwen people tell me different stories! One person told me I can put a large portion down of what I owe, and extend the rest thru monthly payments! Another person gave me different balances! Another person told me that I won't qualify for modification before I even got a chance to send it in! Now want to pay what I can behind and they won't take my money!

They are the rudest for customer service. The company loses the account numbers, and hold all insurance payments from the insurance where it makes it hard to get your work done. It took a month to get my work done on the house that should have only taken a week.

I had my Mortgage with another mortgage company and it was sold to Ocwen. With me out of work for a while, I got behind 2 months on my payment at the end of 2013. I had been trying to get caught up, but with the late charges that had been added to my account, it was very hard. Ocwen has my email address and our phone number, but never received anything from them. No email, and if they called, no one would ever leave a message on the phone. So around July 30th, I get a letter in the mail telling me that my payments from January until July has not been made. But I had all the paperwork were the payments were made. So I called them, and I was told that all those payments had been returned to the payment center that I had made them thru. So they had to give me return numbers and dates for each payment from January, and then I had to go back to payment place and have them give me the money back. And it is still on going.

After 9 months of PHH Mortgage telling me I was in review - and them nicking my 801 Fico score every month. I humiliated them by sending an email to the CEO of Fannie Mae and PHH and CC'd it to channels 2, 4, 5, 7, 9, 11, 13, MSNBC, 60 Minutes, Anderson Cooper, Barbara Boxer, Diane Fienstien - I said after 9 months of your review, you have borrowed billions of dollars from the government and now you need to be accountable to the citizens of the U.S. of America. They called me 3 hours later, and said I qualified. But they did not add my valorem taxes into the modification which is illegal. They never sent me a payment book, and they sent back my mortgage payments to me for 4 months.

It is difficult if not impossible to "get out" of a predatory servicer like Ocwen. Very easy for them to hold funds in "suspense" and "create default". They are messing with people's lives and IT IS FRAUD. I am sure they KNOW that it is impossible to refinance once your credit is messed up. Plus, THEY DON'T CARE IF YOU ARE UNEMPLOYED OR NEED YOUR CREDIT TO HAVE OR KEEP A JOB. They just want to foreclose, that's where the money is. And if they can't foreclose, they will take your escrow money and play poker with it. Ante up.

My story is like most everyone else except they foreclosed on my home, came and moved all my stuff to the front yard... I talked to Ocwen at least twice a day. They tell me one thing and then did the total opposite... I just want my house back... I would like to join a lawsuit against them. I was told I had so long to get my house back... But I can't afford attorney...

Terrible customer service, all employees outsourced, read same script, incorrect escrow account, showing 2 different insurance policies causing my payment to go up. No one fixing issues, tried to cancel escrow account since they don't know or care to fix. Feels like they want you not to be afford so they can take your property. Don't give up, file complaints.

We tried to pay off our loan with current interest rate at 6.89%. We were wired the money directly two times to Ocwen with their specific instruction and it was not accepted by Ocwen. We tried to transfer the pay off amount via their website, and we still not be able to transfer for the pay off amount. It looks like Ocwen does not want to get the loan to pay off.

Due to a hardship, Ocwen has keep my status in limbo, and I stay in contact with them. They keep saying the loan can not be modified due to the owners of the loan, which I have contacted them and they state that they have nothing to do with the loan modifications nor do they own any of the properties. I wish I was with Saxton still. It's attorney time!!!

I am in the same boat. They have payments missing, late payments, all sorts of fees and charges since the loan was with Litton. I have sent them Wells Fargo bank statements four times. They refuse to review the bank statements and will not acknowledge that the payments were made and made on time. They insist their "transaction sheet" is correct, regardless that the bank statements show otherwise. I have filed multiple complaints to no avail. I'm sure William Erbey is paying off a couple of Congressmen/women and multiple people on various committees. It's the only way Ocwen could be getting away with this.

Ocwen became to my loan servicing company some time between 2007 and 2008. Under my home loan, I had put down 20% with a loan at 6.5%. During that time I was current with all of my responsibilities. In 2009, I made several attempts to have my contract restructured with a loan modification and the company denied my request. In the end, 2012 I lost my home to foreclosure. I am bothered by the many complaints that I have seen regarding other individuals and upset that Ocwen failed to demonstrate compassion and concern with the state of my situation. So I have lost a home and given away $40,000 plus all of the interest I had paid over 6 years. It is a same.

I make my payment on the first of the month via their website. Because it was on a Friday, it will not post until Monday. That's fine because I have until the 16th before a late fee kicks in. Even then... they called me Saturday morning offering to help with my mortgage payment! Wtf! I told them I just paid yesterday, and the guy says we are trying to collect a debt... wtf? Don't get a loan with these people. They are terrible!

I have been paying for 15 years. I am getting nowhere. I live on a fixed income. I barely make it, I don't know what to do. Ocwen has a lien on my home. They are a rip off.

Oh where do I begin. Mortgage was with GMAC and sold to Ocwen. Due to numerous issues with the loans and sub-prime mortgages, we signed off on a high rate APR but our payments were to our liking. Lesson learned #1. APR is the correct guideline to follow. After losing my job, I went into business for myself. I had a few good years and then a little recession hit. We held all together and made ends meet for a few months and then I contacted Ocwen to modify the loan, expressly to lower the interest rate. We submitted our paperwork in full three times. Every contact with them was met with, "Your modification is in review". Then, 90 days is up, and resubmit again. Same result every time. Hours of holding, hours of refiling evading emailing, and months of hoping and tada! Our mod was approved! They just needed us to make our next three payments on time, to the penny, and by standard mail only. They said they could not disclose the modification results until the " trial" period was over.

Ocwen took over my loan from GMAC and I started paying Ocwen at the address I was given. In January 2014, I paid online, which payment was credited back to my account because all of a sudden it was the wrong address. Had no notification from Ocwen. I called Ocwen for the correct address and input it to my billpay service and resent the payment. Then my bank for some reason sent it through a second time. I called Ocwen immediately. I get paid once a month and had no money to get through the month having made two house payments. I contacted Ocwen immediately, to try to get the payment returned via reverse payment. NOT only would they not return the payment, they said I didn't pay in December and they had applied one of the payments to Dec. I faxed them my last 5 months bank statements showing I always paid my payment at the first of every month when I got paid, including Dec.

My loan was sold to Ocwen, which is not a mortgage company but a debt collecting agency. I never had a problem until this March when I received an Escrow Analysis Statement, dated March 6, 2014, showing a shortage of $308.05. I mailed the shortage on April 1 in order to keep my mortgage payment of $1473.08 the same. For April, I made the usual payment. In mid-April, I received a "short-year history statement" indicating that my monthly payment would be $1520.32, $47.24 higher. I thought perhaps the shortage payment hadn't been yet applied.

I applied for a modification with Ocwen for the HARP program and they stated I did not qualify for but sent me a modification agreement for their SAM modification program with $65,000 balloon payment at the end of the term which by the way was not in writing, the representative gave me the amount over the phone. They also required that I give them 25% of my property value. This is a rip off. Why should I give Ocwen 25% of my property value after I pay off my loan?

I was paying my mortgage, on time never late. A lot of equity in the property. No debt, a credit score of 780. HSBC doubled the mortgage payment. It took 3 months to find out why. In the meantime, they were sending foreclosure notices. They took the reg mortgage payments, claiming they were analyzing. They hired a lawyer to foreclose - he closed the case. HSBC cont. their fraud on my credit, then PHH took over. I'm owed $20,000 in principal, and $11,000 in property taxes they didn't pay. My house has needed serious repair. I couldn't take an equity loan because of foreclosure on my credit report. My ins. I had, for 18 yrs cancelled because the house needs serious repair. HSBC took out ins. I don't know how they managed that. I could go on and on about the fraud. I had 12 yrs left and only owed $104,000.

Ocwen Loan Servicing has attempted (4) unlawful possessions of my home, committed burglary, breaking and entering, damaging (5) doors, breaking locks and changing locks putting a lock box on my door to lock me out if my home. Also, criminally trespass onto my property (6) times. The property was not foreclosed. Ocwen had no court orders to take possession of my home and had not filed any court foreclosure action. Ocwen has refused to pay for damage after being notified of criminal trespass and unlawful possession. After I filed a RESPA Notice disputing predatory mortgage loan terms which of date has not complied with notice. Three months later Ocwen began retaliation of breaking, entering and maliciously vandalizing my property.

I really am upset that my mortgage got moved to Ocwen Mortgage. Does anyone have any ideas on how to move to another mortgage provider? Do we as consumers--have any recourse?

PHH has to be the worst company on the planet! I submitted 7 HAMP packages.. All denied for a missing doc or signature in the wrong spot.. Checks returned uncashed & not credited.. In Connecticut.. You can attend mediation sessions at the courthouse.. I had one "intro," then the mediator left by session 2.. So another "intro"session.. All the while I'm carrying around a suitcase of documentation.. Spent hour after hour completing & submitted packets.. All duplicate documentation.. 3rd session PHH atty (hunt & leibert) never showed..

My home is nearly paid off. I was in bankruptcy which went thru and paid. Ocwen insist I will owe a balloon payment at the end of mortgage payoff. My records indicates that l was not short on any payment.

March of 2010, I thought I assumed a mortgage. Went to closing and from then on made payments to Saxton. Everything was fine. After a year, was notified Ocwen will be taking over. After they took over, was fine for the first 16 months. I over looked a payment. After over looking one payment, also hit with Personal finances (Garnished wages, Spouse hours cut due to remodel of store location) Then The nightmare begins. I sent in to the equivalent to 3 payments, which would have brought the account up to the current months payment. I sent this via online bill pay via my bank. I called Ocwen's IVR and it indicated no payment applied. So I pressed 9 to talk to someone. Apparently I was transferred to another country. I asked to why the payment was not posted. I was advised it was in default and was not enough to satisfy the balance.

I took out loan and after 11 years still owe same amount and they can't explain why even though I have never missed a payment.

My loan was with Indy Mac, but they sold it to Ocwen. They were taking my payments for 6 months, and they start sending them back. They said I have to fill out a new package for their company which I did, and now there saying I don't qualify. I feel this is wrong, I have a Fannie Mae loan, and they should be able to find a program for me. I been in my home for 14 yrs. Yes I have fallen on hard times just like everyone else, and I find it hard to believe they choose not to help.

On July 1, 2014, Ocwen took $990.86 out of my bank account. I authorized only the mortgage amount of $589.94 monthly with ACH. They took an additional $400.92. My agreement, that I have a copy of, stated $400.92 was for principal and interest. The difference between that and $589.94 was for my property tax and homeowner's insurance. I have been fighting to receive the amount of $400.92 that was not authorized to be taken of my account to be refunded. I have received various stories from a check was cut and sent on the 8th, money was wired to my bank account on the 10th and now I cannot pay for my health insurance.

I have been dealing with these crazy crooks (Ocwen) for about 7 years, it's horrible, there's no communication. The numbers never make sense and there's no negotiations you owe what they say. So for some dumb reason we tried a mod to help save house. We finally got official agreement in mail Monday morning, as I'm reading I see that they've dropped interest rate 3.7%, which was great but then 2 pages later I came across a "balloon payment disclosure" which states that after I pay off loan in 2035, I owe a balloon payment of $65,000 which is the amount of my monthly savings from today - 2035. Is this right, I only owe 90,000 to begin with, seems like robbery to me. What's the point of a mortgage, if in 21 yrs I still owe $65,000. STAY AWAY FROM THIS COMPANY! IT'S THE BEST THING YOU CAN DO FOR YOUR HOME! If a lawsuit opens.

I have never worked with a company like this before. They lose payments/don't apply them to your account. They then add late charges/tell you that you are on default. When they tell you you are on default/add late charges, they send people (that you pay for) to take pictures of your house. They offer to auction your house. In the same week you may have a bill for three + entirely different amounts - a few hundred dollars, two thousand dollars and over five thousand dollars.

Ocwen seems to be in the business of SCAMMING and DEFRAUDING the public. I modified my original note and Deed of Trust in 2010 pursuant to the terms of the "Making Home Affordable Act" and have made each and every payment on time via my Bank's Bill pay (The payments are submitted electronically for instant payment). In 2014 I received a call that a payment had not been received by Ocwen and they demanded a double payment. I immediately checked with my Bank and they confirmed that the payment had been IN FACT paid to Ocwen. I called Ocwen - calling Ocwen is calling India which I resent. Half of the workers there I can't understand. This is an American Loan and should ONLY be handled by Americans!

Have been trying to straighten out overcharges since October 2013. They corrected one problem after 10 months, but are still charging me fees that were acquired because of their mistake. I'm so frustrated!

Have been paying my home owners insurance with mtg payment for 12 yrs. Loan was transferred to Ocwen a yr ago. They failed to pay my home owners insurance policy premium... started receiving letters of non-payment from Ocwen and insurance company. I called Ocwen, I kid you not, over 7x to pay the overdue premium from escrow or they will cancel my policy. Every time I called it was over a 30 minute experience with the end result being apologies and we will send out the premium 2 day mail. Premium was never sent out. I was forced to pay yearly policy of $2,750 out of my pocket so it would not cancel.

I paid the balance due to keep my mortgage current on my statement. When I called the automated system, it told me a different amount due for the next month. When I spoke to an Ocwen Indian customer service rep, I was told that I owe $307 in late fees. These were not on my statement. What kind of robbing company is this? I wish to be included in any suits filed in California against this shady company.

Ocwen took over my loan from GMAC about a year ago. And like so many on here everything went south quick. They started adding fees, giving me due dates and the charging me late fees even when I was not late. I was told it posted late so I had to pay the fee. Like many in our country I fell behind. And with Ocwen good luck trying to catch up. I was told I had until April 1st to make payment of 3 months that I was behind. When I called to make the payment I was given a new amount to pay. I was told it must also be paid from moneygram or western union. Each time I tried to they would give me the run around.

Very disturbing having to deal with Ocwen and getting nowhere. They say our account is behind and are threatening with foreclosure. The troubling thing is we have not missed a payment and have electronic transactions with our bank to verify this. We have made or attempted several phone calls a month at times daily to customer service that has delayed actions through not being able to answer or provide us with someone that can help. We have also faxed information and mailed it to the home office with no confirmation from the company. The foreclosure warnings are time sensitive and dated over 10 days before we have received them. They have reported us to a foreclosure company and have reported us to a credit agency so our credit rating is beyond pathetic.

Several posts that describes my experience exactly. My husband and I, like many that were with GMAC went bankrupt and Ocwen Mortgage took over. I thought this was going to a positive thing for us but I was wrong. We received a letter from my insurance company last week and that stated they never received the insurance payment for the month of June.

Ocwen assumed my loan from another bank to which I was paying escrow for insurance. When the insurance went unpaid, I wrote a check to keep covered. Ocwen now claims the previous bank was not collecting for insurance. I can prove otherwise and must take them to small claims court to collect. Now, perhaps punitively, they have sent me a bill for $1250 claiming my escrow account is in the negative. Their escrow account analysis shows clearly two payments charged for 2014 insurance. The insurance company received only one. Ocwen now demands I pay the money mistakenly or deliberately mischarged to my escrow account. Calls and correspondence with them always result in, "We will send it to research." Meanwhile, I must pay higher monthly payments or lose my credit rating. The representatives see the double charge, cannot explain it, and cannot fix it.

I had my mortgage refinanced twice. The first time I only ended up owing $148,000. While I was on a trial period for the second time, before I finished with my trial, I ended up owing $231,000 for my house. I told Ocwen that something wasn't right. What can I do? The houses in Reedy Fork are not even selling for half that in this area. Is this a credit lending trick?

I want to get out of our escrow account with Ocwen. Every year, they say there will be a shortage, even on the years that I have confirmation from our proposed taxes and insurance that there is no increase... even during the year that there was a decrease! I sent in a letter on July 1 to state that we want to close this account. Today is the 16th. Hadn't heard, so I called them (yes, someone from India on the phone every time). She left me on hold for a long time, came back saying that she was looking for the letter, and oh, happened to find it as we were speaking. Where WAS the letter, and why was a telephone agent looking for it? She probably did not have it in hand... why would she?

I always pay my home insurance on time through my escrow account, and had no problem for the last 18 years until OCWEN took over my mortgage last year from GMAC. They stopped paying my mortgage insurance to AAA my insurance company and got my policy cancelled. I kept calling them. All I get people from India giving me the run around and different person every time. Now I tried to reinstate my insurance policy and could not. I have to get new policy and it will cost double what I paid for the last 10 years and still they will not pay my insurance. Is there anybody can protect us from those Mafia? I do not have any insurance on house right now. I need to know where is my money going. Is it offshore account or somewhere in Bombay? I am afraid they will take my house with one of their tricks. I am powerless and do not know what to do. There is no supervisors or bosses to talk to. I am powerless and need help please.

So... let's just say I'm involved in 3 lawsuits against Ocwen Loans! Two are for a violation of my discharge and one is for a violation of the Fair Credit Reporting Law. Ocwen Loans purchased my discharged loan and reopened it and now is charging me each month for a mortgage that I'm no longer responsible for! So, therefore I've now had to move into an apartment since our new home loan fell through and we now have to pay attorneys to get this resolved and get our credit report fixed! Our Chapter 7 Bankruptcy was discharged over four years ago so you would think this nightmare would be over!!!

They accept our payments every month, but tell us we are behind and now threaten us with foreclosure. Refused to give us modifications because I have money in retirement fund. We even hired a lawyer and they would not deal with him and last time they turned us down for govt. modification did not even offer us an in-house modification.

In April 14, Ocwen did not send the payment to pay my homeowner insurance but the funds have been deducted from the escrow account. It does show on my statement that they pay an insurance but it is not mine. I have tried to resolve this issue since April. I have made numerous phone calls and I have been lied to every time. I have finally sent them a fax in June. After that I received a letter stating I would hear back within 20 days....still nothing. I have sent them a fax to request that they close the escrow account and they refund me... I have not heard anything either. I do not want to send them any more money for the escrow account as I do not trust that they will make the tax payment and I have the feeling the funds will also be taken out of the account.

I paid off my mortgage in February 2014, however, Ocwen continued to receive payments and supposedly sent them to my first mortgage company which they bought out. The payments were debited form my checking account for 5-6 months (one month twice). My initial loan company indicated they had not received any payments which they told me they had sent the money.

It is unfortunate that you cannot just pick up your loan and switch companies. This company has so many billing discrepancies, it's unbelievable. First, my escrow went up, although my insurance went down. I paid them the overage so that they do not raise my monthly payments. They cashed the overage check and then they have increased the payment one more time. When I called and asked for them to explain why the hell it went up again in the last 3 months, the manager of the call center couldn't understand it himself. I immediately asked him to di-escrow my acct. I pay extra $3k per year towards the principal. Few months later I got a bill, couldn't understand where the extra principle was actually applied towards. After countless hours of conversations and after escalating the call to 4 different managers, I realized that these idiots were applying it towards my future payments instead of decreasing the principal. Why on earth would I want to do that? They have poor accounting, billing systems, poor customer service and just awful, awful people servicing our accts. I would never recommend OCWEN to anyone. They SUCK!!

I'm really struggling to find out how they are still in business. I cannot find an agency to submit a complaint about these people that will actually get something done. My story is like most - payments not credited, phone calls not returned, loss or 'never received documents'. How do you lose track of an electronic transaction? I think it's all a game to get people out of their houses! How they continue to get away with it is beyond me. My advice is save ALL documentation when dealing with these people and never stop complaining.

Ocwen Loan purchased our second mortgage loan from National City Bank; once the loan reached the maturity date, they refused to accept any more payments and demanded the balance be paid in full. After 2 years, they still will not accept any payments and will only accept payment of the balance in full, which they have added $900 in late fees and $800 in assessment fees. The second option is short sale; they must have taken a lot of homes if this is the only option. They refuse to do anything to help. I have told them for two years that I did not have $6,800 that I can pay in a lump sum, so they have added the additional fees and now it is $8,600 that I still cannot pay in full. I have nowhere else to go... and they say, "Madame, this is your only option."

I have had issues with their billing statements. No one can explain discrepancies, and I can't seem to find anyone that speaks English as a primary language. The website I was just told "is down right now for maintenance"!!! It is 11:55 on Monday morning and they take the website "off line" to work on it? How does the CIO keep his/her job? You can't find anyone that can resolve a single issue. I have wasted hours upon hours trying to do business with them! How do they stay in business? They are the worst.

I am at a loss. We are in my mother and father’s home whom have both passed away. Now I have control over the home after probate and Ocwen says send 4700 to get out of foreclosure but they cannot send a confirmation letter for this and we are not rich people so we do not know what to do!!

I was making my mortgage payment online on a Saturday. It would not let me put the actual date of payment in but made me put the Monday that followed. It also did not give me a receipt to my email address as of yet. This is not acceptable. Everything should be done as the date you are making the payment, not forced to put in their date. They might credit it as Monday but I want a receipt. If I went into a bank to pay my mortgage the date of payment would be the original payment date and the receipt would be immediate. This has to be corrected right away.

Indymac/Onewest began a foreclosure procedure for late payments and I explained that I had gotten behind because of my health issues (disabled veteran) and the costs involved in the untimely illness and death of my brother in Florida. I was told in no nonsense terms that my payments would go from approximately $750.00 monthly to over $2,000.00 and unless I paid that amount or even got behind, they would foreclose. Thank heaven, after much borrowing and basically not living for over a year, I was able to finish paying the excess payments and began my monthly $750.00 payments again. I then requested and began a HAMP procedure with Indymac/Onewest and was repeatedly told that they did not receive the required information (paperwork), which I kept forwarding to them (letters and faxes).

I contacted Ocwen and I explained the situation. They looked into their records and the payment was supposedly cut on June 4th for the June 22nd payment due date. They told me it had been sent. I called back my insurance company and told them. Nothing was rectified.

Ocwen just raised my monthly payment by 100 dollars. They did not send me anything explaining why. When I called them, they said it was because my escrow went up. Our property taxes went down and they do not pay my insurance which was suppose to be in the escrow account. How can they get away with this? I can't afford this new amount and for the last 12 months I have never once been late. This is so frustrating. Is there any help out there?

This has been the worst experience of my life. I had a terrible divorce which cost me everything, my entire life savings, my house, my good credit score. I have been fighting to get Ocwen to look at my modification request for a year. It was constant games, I would have to speak to someone in India, whom I couldn't even understand, they won't put a supervisor on the phone and they won't transfer back to the US. Ocwen constantly said they didn't receive all the pages of my email or fax, or that one page was blurry. I finally made two copies and sent one via certified mail on 5/15/2014. I received no response and called them two weeks later. They admitted they had the documents, they couldn't lie because I sent them via certified mail and sent a copy to an attorney, but said they needed my most recent tax returns, which had been enclosed in the packet. They they hemmed and hawed and stalled until I found out a foreclosure date was set on my unit. I have called them everyday since then, and they keep asking for the same documents.

I just read a post that describes my experience exactly. Ocwen took over my loan last year. My mortgage payments have not dropped one penny but they have not been paying my homeowner's insurance. I have received a notice of cancellation from my homeowner's insurance company. I called Ocwen last week. Said they would look into it. Called them again today and was told to check back next week.

Ocwen loan services keep sending my notices that I do not have homeowners insurance. I have homeowners insurance but not with Ocwen. This company is just a rip-off mortgage company. I began to wonder who owns Ocwen? Is it someone in a Foreign country because I can't believe that any mortgage company in the United States of American would treat a customer in this way. Just pliantly making false statements bad record keeping. Scamming the consumer more than their loan is just a big scam of a mortgage company.

My story does not differ much. Same runaround when trying to work with their loan modification department. My husband is self-employed and was injured at work in April 2013. In May of 2013 we were told he would require surgery and would be unable to work for at least 6 months. I immediately called PHH mortgage requesting a modification. I knew I could not afford the mortgage myself. I received my first packet of forms to submit and was assigned a case worker. I filled out all documents immediately and sent them to my case worker. I was told I would have a response within 30 days.

Unbeknownst to me I was signed up for a homeowners insurance at a price of 54.95 a month. Ocwen takes no responsibility although they handle the billing. I didn't realize I was paying because I always pay additional principal and all my payments are automatic. I am going to have to sue the 3rd part to recover the loss.

I am close to losing my house of 23 years. Ocwen is the mortgage Co. that I've dealt with since 2006 when they took over my mortgage. Just like everyone else I've had the same troubles over the years with them, maybe even worse. I've depleted my retirement savings, borrowed money several times, applied for remod numerous times, had bogus charges on billing that have never been reimbursed, etc. etc. Over the years I've seen that it is very obvious the Ocwen right hand doesn't know what the left is doing. They must be a huge company and the departments do not speak with each other. I am fighting back to try to keep my home out of foreclosure.

I have my loan through Ocwen. I just received a Citizens Homeowners Insurance cancellation. Ocwen is escrowing my taxes and insurance however they did not make my Insurance payment now I have a lapse in coverage in the middle of Hurricane season. I don't have a lump sum of money to take out my own Insurance. I have called Ocwen however I cannot get anyone to call me back. Very frustrating working with this company. Please help.

There needs to be a rating less than 1 for Ocwen. My experience with them indicates that they are not capable of operating as a loan servicing organization. The list of their faults is endless: Selling my loan without notification, getting the end date of my loan incorrect, collecting my escrow but not making insurance payment, notifying me 4 weeks after the fact of significant changes to my loan, only using customer service representatives with heavy Indian accents, sign on and information on website that do not always work. Fortunately, I so far have made all payments and corrected their faults thanks to people who publicize their incompetence. I watch their activity relentlessly, write multiple letters and record all phone conversations with them. They are absolutely not to be trusted!

My second home loan was acquired by Ocwen. My business failed in 2008. So we were forced into bankruptcy. The federal court judge wrote off the second with Ocwen. As in it doesn't exist anymore. Ocwen has decided that I still owe them money. And has reported it on my credit report. Along with 4 and a half years of 180 days late on my credit report. It is getting to the point where I am being forced to get an attorney and take it back into the federal courts and the federal judge who told them that this was null and void.

One of my house mortgages was bought out by Ocwen. I had been allowed to make six payments in advance with gmac. Ocwen has been so poor at letting me pay in advance. They told me I can stay four payments ahead. However, they don't reflect that on the payment web. Constant calls and many promises to correct never happen. The payments I make in advance sit in the system and do not reflect the proper information, payment due date and correct balance. They just hold my money and apply when they want. They don't want payments made in advance - how very strange!!!!! Don't ever have a mortgage with them.

This is without a doubt the worst company in the world to deal with. My mortgage was sold from Indy Mac Bank to them. My mortgage immediately went up $350 the following month. Then after I submitted a loan modification, they were pleased to offer me a new loan payment which was $1,100 higher!! Their response was you don't have to accept it if you don't want to! What kind of loan modification RAISES your mortgage by $1,100! Something is wrong with this company. They need to be investigated.

We were sold to Ocwen about 3 years ago from GMAC. We had zero issues at any time that GMAC service our mortgage. We have had continuous issues with rude customer service, inconsistent information on our account, calls to our home up to nine o'clock at night, and finally signing up for biweekly payments online and Ocwen taking an extra monthly payment. Awful experience and we can't wait till we are able to get rid of dealing with this company.

It took me over 30 minutes to make my PAYMENT! How can a mortgage company who makes millions of dollars if not billions not invest on a good phone system? My first attempt was to go online to make my payment - this way has the cheapest service fee of $10.00. No luck, I set up my account but an error message appeared that my account has been locked, really? Ok so then I called in to make an automated payment through their payment system. Guess what, after their "Payments made after 6 pm will be posted the next business day" spiel, the line goes dead!

I've been paying additional money on my mortgage account to accelerate paying down my mortgage. I couldn't find record of these payments when logging into my account on their website so I called Ocwen. The representative told me that they are having problems with the website but that he would send me a statement of my account activity. Just on a whim, I asked if there was a charge to be sent a statement. He said, "Yes, you will be charged $5." I asked why he didn't inform me, upfront, that there would be a charge. He had no response other than repeating that there will be a charge. I asked for my loan-payoff information and was told I would have to pay $30 for that information.

I requested a modification packet from Ocwen. I filled out the paperwork and faxed it back. I then received a phone call from my relations manager telling me that additional paperwork was needed. I sent in what was needed the following day. My relations manager also informed me that the sell date for my home had been postponed. Sale date for June 30th 2014. I contacted Ocwen on the 30th of June to get caught up on the process with the modification. A supervisor informed me that my home was sold that day, June 30th and that the attorney did not receive the postponement letter to postpone the sale date for June 30th 2014.

Ocwen is the biggest company that will not work with a person that paid off their loan. After 4 months when the loan was paid off, they still will not send me the final papers. EVERYONE STAY AWAY FROM THIS COMPANY. They will not work with you. After 4 months, I am still trying to receive paperwork so I can file for a new deed. In all the phone calls, they have not done a thing. STAY AWAY FROM OCWEN MORTGAGE. I would not even let Ocwen hold a mortgage on my dog house. They treat senior citizens really BAD.

We were working on a loan mod with our old servicer IndyMac and supposedly were close to a resolution when they transferred it to Ocwen in December 2013. We resubmitted everything for our loan mod through them. They then kept telling us they didn't get certain paperwork even though it was sent 3 and 4 times! What this did was it delayed the mod, so every 60 days because of their games we have had to resubmit updated paperwork. Now we're about 2 weeks from losing our home. It is unreal that this company with all the complaints and lawsuits is still able to have power over people's lives. And one thing we've heard is that it is more beneficial for them to foreclose than to approve the mod the way things have been set up by the government and the HAMP program. Unreal and disheartening.

Ridiculous. Two years in a row, ever since Ocwen took over, I have an annual pile of homework and stress over getting escrow-ed insurance payments made. Both homeowners and flood - late payments. What I am now certain is untrue reporting on their side that they've sent the payment, etc. etc. The craziest part is that with all payments ESCROW-ED, Ocwen is sending threats that policies are being cancelled and they are going to take out their own policies at a higher price. The more I read others' reviews, the more I'm going to investigate my bill. I'm now suspicious of every cent.

I have had a long duration of unproductive communication with this company. The call center and personal request for help or assistance. Our house is going into foreclosure now, despite several attempts to have PHH Mortgage provide specific documents to assist. I was in the VA hospital for two months. The VA sent them a check to cover the monthly mortgage payment. PHH refused it. Also could not get an English speaker on the phone.

Like many that have complained GMAC went bankrupt and we all suffered because it. In 2013 I found the company Ocwen Mortgage took over and they are just downright thieves. I paid my mortgage on time since I bought my home back in 2004 and was NEVER late. Last year, things got tough and got behind a month. By December I was only 1/2 month behind. In January it became a month and a half. They quit taking my payments unbeknownst to me. All of a sudden, I am 5 months behind almost 6 and never knew it. I was under the impression that I was only 1/2 off and next payment would be all caught up. No not at all! Boy was I wrong!!

Our mortgage was sold to Ocwen after we refinanced with a VA loan last year. We never had any real problems until April of this year, our mortgage all of a sudden jumped up $230. I paid it the first month thinking maybe there was an overage in escrow and that would be the end of it, then the next month it was the same thing. I called them to find out what was going on and the lady spoke so fast, it almost seemed she was trying to confuse me more so I literally hung up and called back in hope of getting another agent, I did. They explained to me that my escrow was about $1300 in the negative because my property taxes went from $1060 to almost $2500, unbelievable! Of course I called the county tax department and they made me aware that my taxes were only $1060.

These are all the same incidents that happened to us. PHH must have a procedure book as to screwing up a mortgage to line their pockets. We also had our payment raised a month after closing stating our escrow was short even though we received a check for over-payment, $200/month, they said it was short $500, paid at closing but we were short.... right! So that's $200/month comes out to $2,400 for a $500 escrow shortage that wasn't short. Can you say scam? Renard ** tried to get us to sign a $15,000 loan for "missed payments" even though we paid that to Chase for a year and I faxed him copies, really?? He wouldn't even acknowledge the payments. We needed to sign that loan document to "bring us current." We were never behind. Please contact Audet & Partners, a class action law firm. We need to get as many as we can. Let's get these **!!

After not reaffirmed, my payment is only posted as rent.

On June 11th, I made a payment for the complete balance of my loan. I received confirmation that my payment had been accepted on June 12th. On June 24th, there was a phone call from Ocwen to my home phone, a message was taken and I returned the call later that same day. I have to say it only took a couple of minutes to reach a live person.

Apparently OCWEN owns the mortgage on our house, however, PNC is who we have been dealing with. They both change the rules when they want and even our finances which were provided by our attorney for a loan mod, which they denied. We provided numbers. They changed our numbers and denied us based on what they changed it to. We have complied to every request and fall within range to get a Loan mod, so they changed our range. Criminal. Billion dollar company and they want to foreclose our home. Stealing the American dream for sure.

We have had some money issues now that my daughter's child support is over - hence the 8.75% interest on my loan is killing us. Our house is considered underwater? And I have called outside mortgage companies and they have stated that we should contact Ocwen directly. I'm worried they are going to gauge us. Is there any suggestions on what to do? Should we get a lawyer involved?

My story is long, and hard to summarize in a short description. My problems started with HSBC in 2010. I had an awesome job, but had gotten sick and lost time from work and was requesting a hardship from them. They wouldn't take partial payments and told me I needed to fill out a hardship application. I did as they required and mailed the stack of paperwork they requested. I heard nothing. I called multiple times and they kept saying it takes time to get this sorted out. Then one day I called, they claimed they didn't receive my documents. I tried faxing it to them, with the same results. They kept claiming they didn't receive them. Things were spiraling out of control. They then took an application for modification and finally claimed to receive my application, but by then they also were going for a foreclosure.

In June 2013, OCWEN took over our HELOC from GMAC. NIGHTMARE from day 1. First thing was we couldn't log onto their site to make payments for three months because they were having computer issues. We never once got a statement ever. As of last month, we went from interest only payments..... Which we always paid double to full principal payments..... $300.00 to $1600.00. So knowing this, we have been trying to refund..... Ocwen is not willing to work with us at all and said NO.

After trying for years to get our loan modified, Ocwen finally offers a modification. They just turned us twice in the last 8 months but who am I. We paid the three trial payments starting in March 2014 or so it said but the second page said Feb 2014. We asked to cancel but they said it was ok to continue. Finally on May 14 2014, they contact us and said we were approved for the mod and our first payment is due June 1st 2014. So we are on a fixed income and all so that was good, they said we could now pay online or in two to three months with the statement. Come May 25th 2014, we went to pay only to find we couldn't make the payment online, we had to call them. Calling meant we had to pay $19.95 for their processing fee.

THE PERFECT STORM. In 2004 our home was badly damaged by Hurricane Francis. It was the beginning of a nightmare that has so far lasted 10 years. The storm had caused major damage to our home. We filed a claim with our insurance co., but after a cursory inspection, they disallowed most of our claim, & significantly undervalued the rest. We would end up fighting the insurance co. for 3 years. We finally did win out in court, but it turned out to be a hollow victory. After the insurance companies original offer of almost nothing as payment in full, the court awarded us attorneys' fees, all of our documented losses, & 3rd party mediation for the structural damages, 6 times the insurance companies offer.

Threatening foreclosure when yes, I did get behind when I was with GMAC but started making extra payments that they say they cannot see because they say they can only see my records from Dec 2013 till now, and I had been with GMAC for 10yrs. Now I have to prove everything!

I wish I would have seen these reviews prior to going into an arrangement with PHH Mortgage. This company was recommended to me by a friend. I've used another mortgage company in the past, however they were unwilling to give a low mortgage amount so I had to look elsewhere. First, our rep has done a terrible job at communicating. We initiated talks back at the beginning of May, it's now been a month and a half, and we still haven't received a loan commitment. I'm an investor so I have done this several times with no issues in the past so there's no reason there would be a hang-up. And according to our PHH rep there isn't, however, it seems he didn't start pushing the paperwork until the 1st week of June. He's pulled excuse after excuse to the point my Realtor (who I have a long standing relationship with) is also infuriated with him.