Onity Mortgage Reviews

I had a mortgage loan with GMAC and everything was fine until my servicing was transferred to this HORRIBLE mortgage lender nightmare named Ocwen in March of 2013. When I opened my first statement, my loan amount was wrong, my payment was way higher and they had that I was over 15 months past due! My welcome letter was a "foreclosure notice" followed with many wrongful collection phone calls. They simply didn't care and when I spoke to them, I couldn't understand the person I was talking to and it was like talking to a brick wall. So, I applied for a loan modification with them and was told a few months later that I was denied. I went back to the original lender Impac Mortgage and after 5 painful months, I had a guaranteed modification approval letter in hand. However, after waiting 3 months for my documents that I needed to sign, I was told by Impac that Ocwen wouldn't allow this modification to go through and that (after I wrote a check for $1195 months before) I was denied and they would proceed with foreclosure. So, I complained over and over to Ocwen and once again applied for a loan modification.

I applied for the loan modification. They said in the forms they sent that I had to May 4, 2014 to submit evidence. So I sent some stuff, and it said that if there was a mistake, there was 30 days for them to respond. While this was being reviewed, the offer would still be on the table, but the payments could be adjusted. They refused because they had transferred the file from the Idaho office to their Florida office. So had to completely re-apply, and used Fannie Mae to say that was their rules. In conclusion, they can bend the rules even in writing, so how can you believe their oral answers? The oral answers like, "What the interest, terms, and other conditions of the modified loan after the trial period will be?" They say they cannot tell you these items until you make 3 trial payments.

Ocwen recently converted to a new software package. After the conversion, my first payment ended up with $300.00 in unapplied funds. I had my auto-payment setup with $300.00 extra to principal. I queried them that the situation was created by their conversion. I was charged a fee for 'payment history'. When I complained and again stated that Ocwen created the problem, they charged me another fee for 'payment history'. Not only this but I had to recreate my login with them and re-setup my auto-payment. This is a loan that was with GMAC to begin with (I never had a problem with them).

Have loan with Ocwen we thought to be 30yr was 15yr balloon in dec. 2013. They refused to take payments, refinance stated only balance would be acceped, not anything we could do. We tried mod, refinance, received a no. The only people you talk to are in INDIA - THEY NO NOTHING PROGRAMMED. What can we do? Bad company to do business with---they send to credit bur. We are 4 or 5 payments due. When balloon we are balance due, no other company will refinance after that--thanks.

They can't even manage impound correctly. "Customer service" would suck if the had any customer service. They generally just suck as a servicer. I asked for a servicing manager and got a Voice Mail. THEY JUST DON'T GET IT (still) OR They Just don't care about their borrowers - every way it is unacceptable. They quoted me a refund of $4400.44 and a three week time frame. THEY NEVER CALLED AFTER A MONTH. When I called them they hadn't sent the check and wasn't planning on telling me or sending me the check for $4400.44!

I applied for a loan at PHH and they said I qualified for a loan of $120,000.00, and said I qualified for a grant from $7,500.00 to $10,000.00. So I found a home for about $130,000.00. Now that I receive the $10,000.00 grant, it would be my down payment, so they said I will probably only need about $1200.00 at closing and that would be only part of the closing cost. The house taxes were estimated at 2.25%, but the taxes for that house is about $4,700.00, so she told me I would need to give more money to keep my payment around $883.00 a MTH. I said, "How much more?" She said according to her calculation, about $31,000.00 more to keep my payment around $883.00. I don't trust PHH Mortgage Co. at all, but another mortgage company said I would only need is about $13,000.00 and that is as if I were paying for all of the closing cost. Something don't add up, PHH.

Ocwen began servicing this on 8-3-13 from Gmac. Ocwen has purposely not put the payments to the correct Ocwen - admitted in writing that Ocwen has corrupted data base and has lost most of its data. Ocwen since August 2013 in writing made up NSF payments but cannot furnish any copies of such NSF's. I have furnished copies of the checks along with Bank statements. On 6-2-14 Ocwen finally admitted to all of their misleading tactics in writing but refuses to correct the credit bureaus.

I just received news today that my loan was modified by Ocwen. They lowered my interest rate from 6 to 2%. They cut my payment in half and did not extend the term. They also gave me a principal reduction of $36,600. I should be ecstatic. I am not. I was roughly $20,000.00 behind on my payments. I was unemployed for a while and got so far behind that they would not take payments. So I know I am going to have to repay the taxes and insurance they paid out.

Since November 2013 I've been trying to get a modification on my mortgage. I've submitted paperwork FOUR times. I submitted in November 2013, February 2014, March 2014 and May 2014. In January 2014 I tried to make the four payments needed to catch me up and be current, but they said I had to make six payments. They offered me a forbearance plan in February. I was unable to come up with the down payment. The plan was supposed to be cancelled on March 3 within 24 hours. I was told at that time to wait a couple days and submit my paperwork. I submitted the paperwork March 5th for the third time. Scheduled a follow up call on my Friday off. During that phone call I learned the plan hadn't been cancelled. I was told I had to submit a request to have it cancelled. I sent the request via e-mail as instructed.

I went through a rough patch recently but fortunately got help from the Hardest hit reduction program and received 44k towards my mortgage payments. During the process, I was told that Ocwen said they would recast the loan and lower my payments which was the whole point of applying for the assistance. After Ocwen received the check, not only did they not recast the loan, they wouldn't lower the mortgage payments nor would they change the amount of years to make payments. This has to be illegal. Being that they are only a loan servicing company and Fannie Mae are my loan provider, how is it possible that as a veteran that I have to deal with a company like this. Now if I'm 2 days late and I mean the 2nd of the month, they are harassing me about a payment. I am now searching for an attorney to see if I can see if these tactics are legal and if not, I want to at least let the government that their stellar reputation with taking care of its veterans continues. I hope you help in this process for this business should cease to exist. Thank you and spread the word that Ocwen Sucks.

Nov 2013, received a letter that my home insurance had been cancelled. I obtained a new policy and forward the proof of insurance to them. I called to follow up and was told they received the new insurance coverage. They were taking my insurance payments from my escrow account on a monthly basis. In April 2014, Ocwen transferred my mortgage loan to Northstar. I received a Final Escrow Account Disclosure Statement, and I was billed for 2 separate insurance policies. They charged $1,457.00 for Lender placed Hazard Insurance. I have called numerous times and have been told a reimbursement check will be mailed. It is now June, and I have never received any of the checks they promised. I am a disabled nurse and on a very tight budget. Can you help me?

I had a house fire which required major renovation. PHH is sending my money from insurance directly to the contractor with my name nowhere on the check. I have no control over what he is doing with the money. I have called PHH constantly with no results. PHH is giving my money away right in front of me....

I have been negotiating over a year with this company. Every time they request documents I send them. Then we schedule a phone interview. They say they are missing papers. I resend them. Then they say they will contact me. Then I get a letter saying it has gone too long and I need to resubmit new set of papers. It's crazy. They are are so inconsistent in their response and what they say on the phone to what they mail out. I ask myself, is it to confuse us? Then I think they themselves are confused.

We have had multiple problems with Ocwen, even was forced into filing bankruptcy to prevent foreclosure. Now they say they will do a loan modification, yet are acting otherwise. I was told by Ocwen that it will help our case if we continue to make our monthly payment. Well, paid the payment, then received a letter that our payment was returned and payment was refused because Demand Expired... Whatever that means!!! Guess they want all or nothing... Looks like we are going to face foreclosure again because this band of thieves wants to have it their way! Worse company ever.

I was discharged from Chap 13 bankruptcy in Dec 2012. BofA sold my discharged mortgage loan to Ocwen in Sept 2013. I received statements from Ocwen to start paying on the loan. My lawyers send letters to Ocwen to tell them to stop, but they continued to call. After the discharge in 2012 I ran a credit check and it showed a zero balance for BofA. No mention of Ocwen on the report. Last Apr 2014 I ran a credit report and found Ocwen has slipped in the bogus loan on to all three credit agencies. Ocwen needs to be closed down for their business practices.

I have a lot of equity in my home. My account was in perfect standing when Ocwen took over. I've requested my loan documents, ask who has my note, etc. They 'told' me who has my note and of course, I contacted them to confirm. They do not, have my note. Ocwen has no clue who has my note. There's no record of a lawful transfer of servicing rights to Ocwen and I doubt they have the legal right to be 'servicing' my loan. However, after they took over the loan, they immediately found a way to raise my mortgage and escrow, then proceeded unsuccessfully to manufacture a default using all their RICO-style tactics.

My mortgage payment went up $200/month. I was told it was because my insurance cost went up and because of that I didn't have enough escrow in my account to keep the payments the same. Supposedly, my insurance rates went up $800 per year. Even if that were the case, $800 increase over 12 months shouldn't cost me $200 more a month. After reading some of these entries and noting that individuals amounts that they owe on their mortgage has increased even though they have been paying for years, it made me think. If I remember correctly, my loan amount was for $107,000. I checked the other day to see how much I owed and they said I owed $108,000. I refinanced that loan 3 plus years ago. Unfortunately, my credit has taken a hit and there is no way I can refinance with another company. So what does one do?

I just recently refinanced my Ocwen loan using my LOCAL Credit Union. My bank called and requested a payoff statement and sent a check for that amount to Ocwen. I had set up automatic payments through Ocwen for every 2 weeks and before I closed on the loan, I called them to cancel the payments because I was refinancing with another bank and did not want them to take out any more payments. They took out the payment anyway. Then I had to order a new payoff statement reflecting the unauthorized payment they took out. Of course they wanted to charge me for another payoff statement.

I am having this exact same problem. I was paid ahead about 6 months and continued to make regular monthly payments. Instead of applying those as regular payments, they have been applying them as principal payments. I tried calling customer service and sending emails with no response. I finally sent a letter to their complaint department in December and they fixed my previous payments. Unfortunately, they have continued to apply all of my payments as principal payments since then. I refuse to send a letter every month telling them how to do their jobs. What a freaking mess...

After 3 months of sending documents, I was given another list that was over 200 pages. I scanned the documents and put them on flash drive. I sent them as instructed, then had phone appointment. Was informed they had not received docs, but I had proof, sent them registered mail. Was told to send again. Ocwen is the epicenter of sleaze in the mortgage industry that practices shameless pettifoggery. I have given up trying.

I was foreclosed in Dec of 2012. On a whim, I pulled my credit report and it showed that I was foreclosed by Homeward so I disputed it on all three credit reports of me and my wife. It has been removed by all three. Don't know if Homeward just is not responding to inquiries or since the lawsuit they just let them go. I have not seen this info out there so I thought I would share. I know it boosted my credit score way up... Hope this helps someone.

They are the absolute worst company I've ever dealt with on every single level. They are utterly incompetent, and I think there's a chance there's criminal activity going on there. No one can be this dumb.

Chase sold my mortgage to Ocwen in the middle of adversary investigation due to a bankruptcy. I had to pay my mortgage to the Trustee for almost 3 years. The case had been settled in court for the Trustee to pay off all the money that I have been paying to him for 3 years. The house title was legally in the state of Georgia. Ocwen did not get pay yet. Ocwen are fully aware of the whole situation. Ocwen is making my life miserable. I had a sewer backup in the house since March. I received a check from my insurance to repair the house. Ocwen ceased some of the money.

We cannot believe the nightmare with this company. Already in a class action suit with Citi over the escrowed insurance and now they want our home through foreclosure with no warning certified mail and refusing our payments. Statements not sent being on the phone for hours trying to get anything straightened out. Now they send modification papers and then received a statement saying we owed 4,000.00. Week later got one for over 6,000.00. Oh yea so sure they will work with us on a modification. NOT!!!

Unbelievably they have someone in India dealing with our loan modification, someone that follows a script. What government agency is over watching this company? We are in the process of losing our home and no one can help that lives in US? We need a class action lawsuit so that we can speak to someone who just doesn't say do a short sale or deed in lieu of foreclosure. Please if anyone has any idea how to deal with these people please advise!

Son applied for student loan and I was the co-signer and was turned down because Ocwen reported to credit company that I was late on payment. Problem was I didn't receive a statement for the month in question and then I had to leave town for a family emergency and when returned being stressed didn't realize that statement did not arrive until I received the next month so I immediately paid both months along with the penalty and called them about not receiving statement and they said they would note this but they still turned into credit company.

These people are dumber than dumb. I made my first mortgage payment and my loan was sold to these idiots. Not happy at all about it. Nobody speaks clear English even had one to be rude with me. If I make a payment toward principal only, they ALWAYS mess it up. I call ahead and have note put in my file, I put notes on the check, post it note on the front of the check and make extra note on the statement that you put the amount you are paying on principal and highlight on all three and they still mess it up. Wow, How can people so dumb keep a job? I'm thinking about refinancing with a local bank that all speak clear English and have a brain.

Update to my situation: I obtained Ocwen's email address in April 2014 and I started paper whipping them every 2 weeks, badgering them with request for status and forwarding a multitude of my email threads imploring for relief and recounting their transgressions.

This company is the worst. First they list the info for the house I am trying to purchase in the wrong county. Once they do have the right county it has taken 20 days for the appraisal considering I have a 30 day diligent period. I still have no appraisal after 21 days. I called today/Saturday and there is no one in office that can call or reach appraiser when it was due Thursday. Still no answers. Not unless you are ready for frustration and aggravation do you need to use this company. They always have an excuse for everything! BEWARE!

I requested a loan modification from Ocwen Loan Servicing. I have submitted 4 payroll statements for each employers and 2013 W4 forms. They have requested verification of employment and year-to-date earnings. I've offered the toll free number for verification of employment number. I was told they DO NOT CALL for verification of employment and my employer will not release it to me.

I lost my job in February 2011. We got behind on the house payments and were afraid we were going to lose the house so we started the modification process. Everything seemed to be going smoothly. Because we were afraid of losing our house, we signed the contract without realizing what it really stated. I will give OCWEN credit that they did have everything stated in the contract to cover themselves. However had I realized what was in it, I would never had signed it!!! I now owe $7,000 MORE than I did when I refinanced. The modification is supposed to be FREE but it is NOT!!!! I now owe the same amount I did when I first financed my house. All the money I paid for all those years was for nothing.

Let me start by with, this company is a complete joke to work with, they string you along for years until you reach the point of no return and just give up which sucks because the difference of a short sale or deed in lieu or foreclosure on your credit report is huge. I start this process in Nov of 2011, started as short sale, never got anywhere then wanted to do deed in lieu, now it's gonna end up being a foreclosure because this company changes account managers on you every 2 months. Once you start communicating with someone and think they I might actually get somewhere, they changes managers on you and trying to get a hold of your old one is impossible, they have one number for everyone WTH! Oh or you can request a call back within 24-48 hours and it won't be a time that suits you of course.

My wife and I had been laid off from a pretty good paying job, working on the road about 3 years ago. We both had to take jobs at home that did not pay near what we were making for several years. Ocwen attained our account from Bank of America a little over a year ago. We tried to get a loan modification a couple of times and they kept saying we make too much money even though we could not pay our mortgage payment. We struggle with day to day bills to keep our home and daughter's home going since she is a single mother and can not find a job! Just this morning before my wife went to work, she called me and wanted me to meet her at the gate for some papers that were left in our door. It was court papers saying we are to "surrender possession of our property to Ocwen," not to mention I was never even notified of a court date or anything. We went thru this once before about a year ago, I had to come up with a little over $11,000.00's. We fell back behind and still got refused for a modification.

I have an Ocwen mortgage and an Ocwen 2nd mortgage, both were sold to Ocwen by GMAC. I didn't ever have a problem with GMAC, but I have had nothing but problems with Ocwen. At first it was ok, I make my payments online and they switched over to a temporary online service. Once that service expired is when all the problems started. At first I couldn't pay my 2nd mortgage online so I had to call it in, small inconvenience but it worked. Then I couldn't pay my 1st mortgage online so I tried to call it in and they told me that my SS# is wrong.

I am trying to get an answer from the short sale department on why my short sale application was transfer or cancel out after six months. I own the Property at 13027 Cherry Bend Terrace for twelve years. I was laid off. 2011 I had to file Bankruptcy. The Bankruptcy was filed and discharge in 7/2011 and Ocwen Loan Servicing requested and took fees from me after the discharge - that is one of my problems. They owe me my $4,000.00 back and also the funds for the HAFA program. My home was in good conditions so I should get moving expensive. This is a mess I don't know were to start and no one at Ocwen Loan Servicing will give me any answers. I would like to have Ocwen complete the Short Sale that is still pending from 08/17/13. I have sign so many form that I don't know what going on I just would like my name off that Property. I wish someone from Ocwen would be upfront with me about what is going on. Thank you for all your help in this matter.

We have not been getting monthly statements since the end of 2013. I have been using copies of old statements to mail in my payment (which I always send certified so they cannot tell us they didn't receive it). 1st contact was in February 2014 - verified address, which was correct. Told us they were having technical difficulty, but we could always write our account number on the check and they will make sure to credit the account. Next contact May 2014, still no monthly statement. We were told again that they are having technical difficulty. I need & rely on my monthly statement to determine if they received my last payment and the information that goes along with the mortgage structure.

We are being offered another modification - after not paying since 2009, and completing a Chapter 7 Bankruptcy. I am sure it is going to get worse before better, we already attended 1 court mandatory meeting and another is coming up on June 9th, but they want me to sign and remit this paperwork with a check before court date. Asking what fees would be added, and not getting a complete answer of what and how much. I am very leery of agreeing. I know they do not have the original note on this as they would not have taken so long. I also questioned the amount that was wrong on income - about $2000.00 more than we actually have. No answer on that one either.

Their REO property has been vacant for 1 1/2 yrs. We, the neighbors, cut the lawn for the first yr before they did the maintenance on it. Since, they took over its been overgrown then poorly cut by the butcher land rapers they hire. They were notified of violation by the two for unkempt lawn. They then promptly dispatched the land rapers to cut it. It went from very overgrown to scalped in 10 minutes. No attempt made to clear excess cuttings. I've contacted them with no reply as of now. Sadly, my home will be for sale soon, and their property across the street will likely cause me problems on the sale of my house. What a lovely view from my window I see daily.

I had fallen behind on a note with Ocwen due to unforeseen events. After 3 delinquent payments I rectified the loss of income and wished to make good on the the back payments and late fees. I called the customer "care" line and explained my situation and was instructed to wire $XXXX.XX amount to Ocwen. After I wired the money, I called Ocwen and the customer care "agent" said the money was never received. My bank (B of A) called me 7 days later to inform me the wire transfer was refused by the recipient. My bank refunded the the transfer amount to my account (minus the transfer fee). I called Ocwen and asked about the nature of the wire refusal. Ocwen's answer was that it did not receive it in time, even though he gave me the quote 10 hours earlier.

Ocwen purchased my loan from Bank of America and I have experienced most of the issues others have described here. However, I have a new one. Ocwen allegedly inspected my home that I live in and sent my Insurance a notice that my house was VACANT. This made my insurance company CANCEL my policy. There is a 30 day grace period that I am in the middle of. Between my insurance agent and myself, we made over 15 calls to get this resolved and couldn't. As I get closer to the cancellation date we have still been unable to resolve this. Ocwen claims they can't send a formal letter stating that the house is NOT vacant, (even though they sent one saying it was vacant). My Insurance agent assured me she will make it her personal crusade after the long 3 day holiday to resolve this.

Escrow shortage letter. We received a letter from Ocwen stating we had a shortage. We paid the shortage amount and included the payment coupon. We also called to clarify the situation and keeping our payment at or below its current level. Well, they took our shortage money and still increased our payment. We've been calling them every month since January. The reps either tell us they get it fixed or become very rude. I'm trying written correspondence next. I've also been told Ocwen is no other than GMAC. We had horrible experiences with them.

I'm a previous Homeward Residential, AHMSI customer, with Ocwen for a few years now. I was charged an unauthorized fee on my statement for what I was told was an appraisal fee of $115 because another manager (not ever allowed to speak with the relationship manager I was assigned to) said I requested a modification or short sale. I spoke with my assigned relationship manager before they ever received our paperwork for short sale we processed with help from Home Affordable-HAMP program and he told me they would not approve a short sale for us anyway. But I had him I already sent in the paperwork the previous day. So when he told me I could not do short sale I did not send in more paperwork from realtor (after it took 5 months for Ocwen to get me a payoff) but they charged fee anyway. I asked phone rep to remove it because we were already told no short sale before they even received papers and nobody ever came to home and appraised it. Then rep said they did a "drive by" appraisal to see if I was still living in the home and I have to pay it. What? Really! So when I did not pay fee they kept telling me my payment was short every month and not paid.

On April 7, 2014, I refinanced and Ocwen was paid off on April 7. It is May 22 and I am still waiting for refund of $1,507.11 from my escrow account. I get different stories each time I call: The check was mailed, then when I called to advise check never received, they said they would overnight a replacement check. Then I am told that there is a problem with their computer system and there are 3,700 people waiting for escrow refund checks. I tried to call West Palm Beach, Florida office and was unable to get through. I sent overnight letter to West Palm Beach and have not yet heard back. I am tired of getting people in India. What kind of outfit is Ocwen? Once I get my refund, I will be glad to be rid of them.

I just went over some of the details that Ocwen Loan Servicing had on record for my account. They say that I have till 2020 before my loan is paid off, because the loan was taken out (with another company and then sold to Ocwen) in 2004. I paid ahead on my account for a couple of years, then I was told my loan would be paid off in 2018 because of the extra payments. What happened to the extra money I paid in to pay off the loan early????

I transferred insurance companies in January. Ocwen (GMAC) transferred my loan to the Florida branch Feb. 1. On Feb 1, I made the house payment on the old loan number. The new loan company said I was late! I didn't even receive word that they transferred my loan until after I made the payment Feb 1. So that was a nightmare getting that straightened out. B of A had to call the Florida branch to tell them the payment was made!

We have been fighting these people for months and months, actually years! We went tax exempt the first of the year and that started a whole new can of worms. We were finally able to get rid of the calls to India where they were very combative and are now directed to the US (this is the law upon request!) but still can't get resolution or find out where our escrow money went, among other issues. Just had to pay to close escrow even though we know there is money in there and where has it gone? The hours spent on the phone, the faxes sent and the letters written have taken up so much of our time and energy!

My modification was done on December/1/2013 NY state, Suffolk county. Total modification amount I was paying for over a year $1900, last 3 months they are start billing me for $2200 which I paid always on time and online. Today I called them to find out what is the $300 difference that I am paying for last 3 months. I been told, I had shortage in my escrow account for $4400 and I have to pay that on top of my $1900 for 24 months. Basically they are now holding me responsible for taxes and insurance before the modification was done. I just read my modification papers and it does not say anything about the escrow shortage amount before modification. My question: Is this legal? Can they do that or should I fight it? Please help.

My mortgage was acquired from OCWEN November 2013. Nothing but problems. My taxes which are paid by OCWEN are due quarterly. They paid the entire amount and then I had a negative escrow, my monthly payment has gone up. I have never received a statement from them either by mail or email. I log into their site and it consistently times out so I am unable to pay online. I make a payment with a foreign speaking rep., they always post it after the 16th and I'm getting slammed with late fee and a negative credit report. I made a payment on the phone - they said they had no record of it, so I made another.

I have paid 6 mortgage payments ahead because I don't get paid monthly as most people do. So when I have money I make payments in advance. I have 5 payments sitting in a Suspense acct. They will not post them out but they will process it as one payment and reduce the principal. But then my next month's payment is due as scheduled. This is screwing me out of the effects of paying my monthly payments in advance. As I am not getting the interest benefit of this method. They are making money off my money sitting there in their suspense acct. When I call to speak to someone I get a person in INDIA that says the request was made and denied because it is an interest only acct.

We purchased our home ten years ago. In the end of all the company name changes, division changes, and so on that has occurred within that time, we have fought to keep our home. Within one years of purchase, I became permanently disabled, and two years later so did my spouse, resulting in enormous income changes. We have tried EVERYTHING possible to get and keep our accounts current. Their customer service procedures have been abusive if nothing else. I have personally screamed at by 3 different CS people. In the LAST 12 MONTHS alone, 3 times they have LOST payments, charged outrageous fees INAPPROPRIATELY (cranking the balances up). They have withheld payments from being applied to the account until additional charges applied.

We have a home loan with OCWEN Loan Servicing and always pay our monthly home payment on time. Our escrow account did not have enough money in it and so they increased our payment on our home and did not notify us except by mail. I was in school and only coming home on the weekend when I found out and called them to settle the issue. I paid all the excess and changed my payment to the current amount and now OCWEN in reporting my payments as late for those two months on my credit report. This has decreased my credit score. I sent them proof that I paid the payments and they said that they took my payments and held them until they had the full amounts, i.e. basically denying my payments or not putting them on my account but still taking my money.

I was not allowed to make a payment online because of no links. I finally paid over the phone and was charged $12.00. When I called to complain, I reached a foreign country and was transferred twice. After an hour dealing with Ocwen, I was denied my $12.00 refund. I've had other such experiences with nasty representatives.

The company informed me that they picked up servicing my loan after the first payment was due. They insisted that I pay that payment even though the first payment was rolled into my closing costs. They claimed it wasn't. Then they started paying my taxes even though it is a non escrow account - never informed me that they were going to do this. They started to apply additional payments to my monthly payment with no explanation, slammed me with forced place insurance when policies were in full effect. Held and applied payment well after they were sent and sent me a default notice which I never got then stop cashing my checks. In short, try not to do business with these people. I understand they are now being watched by the authorities for the next 5 years. Maybe things will change.

In March of 2014, an Escrow analysis of my account was performed and I was notified that the Escrow was short. The notice read that if I paid the shortage, my mortgage would be a specified amount. If I failed to pay the shortage, my mortgage payment would increase. Well, I paid more than the shortage amount, by the deadline date and Ocwen never made the adjustment to my mortgage amount. I have struggled with them to make the correction since the beginning of April 2014. Here it is May 13th and the end of the grace period is approaching. My account was transferred from one department to another in the midst of the Escrow analysis and this created the current monster. They have my money for the Escrow AND for the mortgage for May of 2014. I remain stuck in this purgatory with the awful customer service for Ocwen. If I had a choice other than to sell my home in order to get away from Ocwen, I would take it.

I had my loan transferred from Litton (another horrible company) to Ocwen (an even worst company) in 2011. Ocwen tried to load $6032 worth of junk fees on to my loan and I had them remove these fees by simple following some basic rules of engagement: I do not call nor take calls from Ocwen! Every communication I have with them is in writing via certified return receipt. I sent my mortgage payment personal check certified return receipt EVERY month!!! I never pay online! I never pay via Western Union! I never pay with certified funds because I need a paper trial with my bank on when my check cleared!

I proceeded to go online to make my payment for the month (May). Hmm, My Password WOULD NOT WORK, which I found very strange because I had been using it forever... Now I realize why... It's because if they cannot reach you, you will have to call them.... Much Game!!!!!!!! Once you contact them is when the ** hits the fan... This is when they tell you that your bank declined the payment... No SO! I will walk away from this home and let Ocwen have it for $222.14. My rate is still 9.875% which is dumb as hell but what do thieves care, this is another way of stealing. How Will Stop these people... and in the meantime as a home owner What are we to do? How are we supposed to STOP THIS nonsense???!!!!!! I have all of my documents, all of my proof and still They won't listen. GMAC Did the Very Same Thing...

Our home equity loan is paid off but I have to send them a notarized letter asking for them to "release a lien" so that I can get back an extra payment. There are no liens against it... That is just the word the person used. Even if I didn't have an extra payment due to me, I would still have to send this letter. That is crazy!!!! I called about this problem almost a month ago. The person told me that it would be put back into the account that the automatic payment came out of within 2-3 days. It wasn't, so I called back today. Now I am told that I have to send a notarized letter to them. When I call of course someone in India answers. The last time, I was told I could ask for an English speaking American. I did this time and the clerk got smart with me. I will NEVER use them again. Of course, we started with GMAC and they were bought out.

I noticed on my "ACCOUNT HISTORY" that on 3/3/2014 the balance of my loan was applied to my loan resulting in a $0.00 "Balance Due" & consequently no Payment Due. According to my records, I still owed $40,000, so I called to find out what was going on. I was told that the account had finally been transferred from GMAC, the previous loan servicer on that date. (I had been paying Ocwen since April, 2013.) I also mentioned that when this transfer occurred, the amount of "Paid Principal Y-T-D" had dropped by $200.00; could she explain why. "No!" was all I got. Then was transferred to someone else in the middle of my conversation who told me I needed to call another number.

We had several issues that are their errors! Refuse too change SS, they (PHH) claim they bought the loan with the late fees which are from March and November 2012!!! Numerous expenses sending all documentation requested, never resolved! According to what's online, PHH is in business with HSBC!! WHO BY THE WAY IS WHO PAYMENTS GO TOO!!! SAD THESE THIEVES GET AWAY WITH THIS!! WE'RE CURRENTLY TRYING TO GET A PAYoff and these crooks may foreclose rather than work with us!! WE HATE HSBC AND PHH!!!!

OCWEN took over my mortgage recently and after several month they put negative and inaccurate information on my credit report. The bankruptcy was discharged in 2007 and I have made my payments on time since then. I call them and of course spoke to someone who barely understood English and was told, "you filed bankruptcy, stays on for 10 years." This is totally unfair and if our government condones this type of banking practices it is time we throw them out. We did once before, we can do it again.

In August of 2013, we knew we would no longer be able to pay our mortgage. I immediately called both Ocwen and Green Tree (two of the worst companies I have ever worked with). I was told that unless I was behind on payments, they would not even discuss modification or any other program. So after the first month, I called Ocwen (1st mortgage). That is when the frustration started. I was then told that if I paid the monies owed, they would work with me but by this time, we could not pay anything. I persisted calling for the next three months with nothing but a run around. I filled out numerous amounts of documents, sent them in and about 6 months later, I was told that they worked out a modification of $100 off. I told them that I could not afford this since I had now been out of work for almost 3 years. They said if I refused there would be nothing they would do. I had no option but to refuse.

I wrote one review of Ocwen but can't find it in this site so thought I would write another one. Ocwen is screwing up my HAMP modification loan as others have stated on this site I keep getting the wrong paperwork to finalize my loan. Now I found out on May 1st that they did not take my payment out of the bank with my auto payment- speaking with India sucks that's for sure. I filed with the BBB and SIGTARP who have elevated my issues with this company. Someone needs to step in and get rid of their CEO who only cares about his pocket book it seems. What they are doing to me is illegal and they should be held accountable as soon as possible. Since I was approved for a modification loan they have harassed me asking me when they will get their money. The reps for this company are pretty stupid or could they be really really smart...hmmm. I am currently waiting for an Ocwen rep to call me who has been assigned to my case because it has been escalated by SIGTARP. She probably won't be any help either but at least she is supposedly sitting at her desk in the USA and not India.

I had a 2nd with GMAC. I had a 1st with American, then Homeward. All of a sudden, everything went to Ocwen. What a dark day that was. I cannot list all of the errors, except that from day 1, my first mortgage was in the red. I have NEVER missed a mortgage payment, in almost 30 years. After six months of notices from them, I sent them all of my bank statements and they agreed that I was never late, nor missed a payment. It was the fault of the switch over from Homeward. Within a month, it all started again! Now they say I am over one monthly payment behind. I have always mailed my first mortgage payments to the lien holder. In this case, Ocwen.

Ocwen has bent over backwards to help me and my husband save our house. My husband lost his job during sequestration and I could not pay mort by myself. Not only did ocwen do a mod one time for us, they have done 3 mods for us within 2 years. The last time I actually screwed up and thought my payment during trial period was in April and when I got paperwork and found out mod was cancel because I didn't make the down payment in March. I was sure we were in trouble. I called ocwen and explained I got confused and guess what? They provided another mod for us. Ocwen has been exceptional to me and my husband. .

Ocwen has got to be on the top 10 list of the worst companies operating in the United States. Like many others, they purchased my 2ND mortgage Loan. For a couple of months now, I have been trying to get a short sale approval on this 2nd Mortgage due to medical issues. It took them a month to recognize that what I was trying to communicate to them about requesting a short sale. Finally I was assigned a Relationship Manager who finally told me I could not apply for a short sale until I have a sales contract and I also finally got them to understand that they were my 2nd mortgage not my 1st. By the way the relationship manager can only call you on appointment every 10 to 15 days. He is also reading a script and cannot answer questions either.

Ocwen Loan Servicing has lied about issuing an extension for short sale approval letter when we have a closing date of today. I was told by a person of the name, Sujata at Ocwen that the short sale approval letter was approved to extend to a closing date of May 27, 2014. The letter previously expired on April 18 and the extension was requested on this date. It is unfortunate that we cannot close without their letter. Clive **, the Supervisor, was suppose to Escalate the letter to be sent. The Buyers have their moving truck ready to move in and the Sellers have moved out. This is a very difficult situation when so many people are involved and Ocwen is not supplying the document needed even though I was told by several different people that it was approved for the extension. Ocwen, please explain why this is so difficult and why a short sale approval extension letter takes so long to complete.

Our mortgage had gotten sold to Ocwen from our previous company during our modification process. Ever since we have been dealing with them, they have lost our payments, will not answer any questions and keep giving us the run around. We have been spending multiple hours on the phone with them trying to figure it all out, but the people who answer the calls are clearly reading off a screen and will not answer any direct questions. I asked 10+ times during today’s conversation to talk with a supervisor and the person kept giving me the run around.

Ocwen has my loan for the last 23 years. I am almost finished paying for my house. I got a letter from them one day saying that I owed 11 payments. I could not owe these people 11 payments without them putting me in foreclosure. I know that they has all those payments. It is impossible to sort anything with them because they never has the information you request or proof. They blocked my account so that I can't make any payments, and I am getting foreclosure letters. I have spent hours on this. I don't know what to do. They have no office where you can go and have a conference. If anybody can help please call **.

My mortgage payment went up, but the automated payment by phone stayed the same. I paid my mortgage on time (I thought). Instead Ocwen was "holding" my payment, and therefore by the time I realized what was happening because I travel, and am behind opening my mail (but the automated payment system took my payment without mentioning the new amount), I have now had 2 hits on my otherwise perfect credit lowering my score about 100 points. NO PHONE CALLS, NO NOTIFICATION FROM OCWEN!! Now I've got them calling me off the hook calls from the "relationship manager" who offered to discuss my account ad infinitum, all sweet and upbeat, when they have ruined my credit. Wouldn't they have noticed the payment $66.00 short might be suspicious? Do they care? No but they want to "SERVICE" THE LOAN. All my fault!!!

Ya'll, this company is evil. Told me that they overnighted my home insurance premium but lied to me and made my insurance cancel. What is wrong with this company?!?! I'm going to lose all my hair!!!

My wife and I were going thru financial hardship for over a year. I contacted Ocwen numerous times to try to get help. But every time we tried to get a modification we were denied and stated that we did not qualify. Finally in the month of December 2013 we were behind 10,340.00 and were forced to come up with the money and were told that if not, will not be able to get reinstated. So struggled and pay the bank in full thru Western Union the total amount of 10,340.00. Since then we have paid payments Jan-April 2014 on time. All we owe now is May 2014.

There is a reason why this company keeps changing their name. Now, most recently it is known as Ocwen Loan Servicing and this is their MO. They commit minor errors in billing mortgages but not enough to make these errors illegal. Then they use these errors to steal houses right from under the owners. Example: An owner is paying his mortgage faithfully for 20 years. All of a sudden, Ocwen denies payments. Owner cannot force Ocwen to take payments and therefore owner becomes delinquent. Once the owner tries to modify the loan or pay the payments owed, Ocwen tells owner that they are delinquent on the loan and they file a Trustee Sale. The owner has no way of paying what he owes to Ocwen because they let time accumulate for the loan to become delinquent and when owner tries to negotiate with Ocwen, they dig their heels in and will not negotiate. Therefore, robbing the owner of their home and their money. I commend Ocwen on a brilliant plan to never allow a person to become a homeowner.

My GMAC home equity was sold to OCWEN. On Oct. 1, 2013, I sold my home and settled this loan at a closing. I overpaid by $100.08, but OCWEN reported me to the credit agencies as being late instead of issuing a refund check. When I call, the Indian on the other end does not understand when I explain the situation. So, I tell him to send me a payoff letter. The letter they send me even shows the $-100.08 as my payoff amount. My credit reports has this account listed as being adverse even though it also shows 0 balance and 0 past due. I would love to sue this company. I believe they are criminal.

FedEx payment. Payment received. Proof delivery payment cleared account. Proof provided payment. 45 days later, payment still not posted to account. Customer service is horrible. So are the supervisors. Everything they say is read from script!

Ocwen took over servicing my loan when GMAC turned it over to them in 2013. Now they are trying to stick me with their title filing fees of 1250 dollars!!! I didn't tell them to pick up my mortgage. That is a company expense and I am not paying it. What else can I do to get rid of this company?

Since OCWEN took over my loan from GMAC I have had nothing but trouble. They have taken out my mortgage payment twice in the same month on multiple occasions. To correct this I am always told to write a letter to their "Research Department" and include a copy of my bank statement showing the withdrawal-even though they admit that the money came out twice.

Since Hurricane Sandy, October 29, 2012, I have been trying to rebuild my home in Union Beach, New Jersey. My mortgage was previously administered by IndyMac/OneWest and was sold to Ocwen in October of 2012. I have not had a problem with payments being recorded correctly; however, I am now having a problem with getting an approval to rebuild my home and the release of my Flood Insurance monies received after the storm which are being held at Ocwen in a Restricted Escrow Account in my name.

I haven't had any issue with PHH until I realized my six payments that should be applied to principal weren't. I have called twice and was told that it will be reversed and to check my account in 5-7 days but still nothing is accurate. I don't find it acceptable for my mortgage company to cash a check and then place it in suspense when the goal is to lower my interest paid and pay-off my mortgage sooner. I will call again today and request to speak with a manager in hopes of resolving this issue.

They purchased my loan from GMAC and kept rejecting my insurance invoice (3 times) so it did not get paid and thus canceled!!! Now I am TRYING to get them the new insurance (not as good as the first!). It has taken over 3 HOURS. Ridiculous, if you have a choice DO NOT USE OCWEN!!!

I have been dealing with Ocwen and until a few years ago had no complaints. But as of last year have had nothing but problems with them. Three years ago, they said they had paid my property taxes, which they had not and I had to go to county office which is over 50 miles one way to get proof. Last year they paid someone else tax and put it on my account. It took me going and getting proof that my taxes were paid by me before they would even listen. Jan I paid my mortgaged payment and they said I had already paid which I knew that I had not. My April statement said I owed $620.07, I paid $650.07. Got a call today and they want for the 2 months that they said I had already paid. Have been on phone for over 4 hours with as many people trying to get explanation and all they can said that it was our mistake. Will pay what I know that I owe but how many people do they do this to that can't afford???? Just wrong.

My mother's home loan that she started in 1999, was bought by Ocwen during her loan modification with Chase in 2010. She thought she was getting the Home Affordable plan, but Chase gave her the slip and sold it to Ocwen just as the modification was being finalized. She constantly has trouble with this company as they are constantly trying to get fees, selling her stuff, or just lying about payments that were made. My mother is fed up! And wants to take Ocwen to court. So, today I am asking everyone who is done with Ocwen's games to come forward so WE can get our hard-earned money back, and prevent Ocwen from doing this to people in the future!

Ocwen is saying I owe 1300 dollars in escrow and I pay my taxes through my mortgage and they are not paying, saying I owe them in a shortage. Which is nonsense.

Our loan was sold to Ocwen by Morgan Stanley. First several months, we did not get statements. Then because of lower rates, we refinanced with local bank. Lawyers from local bank could not get a payoff from Ocwen to close. It took Ocwen forever to respond. Then after paying off loan and closing loan all done by bank lawyer with our signatures in the month of April... sent overnight certified mail with signature they received... and they cashed the check... I receive a delinquent notice for the month of June. Call; they say ignore. Then again the month of July... call them again. They say it's all paid, computer error.

Ocwen purchased my mortgage from the original lender with whom I had been with for over 10 years with no problems. As soon as I was notified the loan had been transferred, I changed the auto payment through my bank from the original lender to Ocwen. All was fine for the first three months. Then in January, Ocwen tried to change the terms of the loan. Under the original agreement, I was not required to pay escrow payments but Ocwen arbitrarily claimed I owed over $600 in additional payments each month. I have made numerous calls to various phone numbers listed for Ocwen. Half the time I get cutoff when being transferred from one phone bank to another. When I do get through, I get someone with an obvious foreign accent who does not even bother to listen to what I have to tell them and instead stubbornly insisted I make additional payments.

My 2nd Mortgage was purchased by OCWEN last summer. I have never missed a payment or been late. Well somehow I did miss a payment for this February (2 months ago). My normal payment is $197. As soon as I got the March statement showing I owed $396ish, I sent them $400. Now every couple of weeks I get harassing phone calls and they lie. My statements and THEIR website both show I am back on track and everything is ok. But according to them it isn't. A guy from another country called a week before my April 11th payment was due wanting to know if I was going to make the payment and it was $200.38 because of a late fee. I said of course I would pay it online that day. I went ahead and paid $201. Today he called me demanding that payment. When I told him I had paid it he looked it up and said oh that was last month. I reminded him that he called a week and a half ago and told me that was exactly what I owed in April. He kept saying I owed another $192. I kept arguing with him that he was wrong and HE hung up on me.

My mortgage payment includes the payment for condo insurance. Ocwen refuses to escrow my account and my insurance company has sent me a notice of cancellation. I have been through this with Ocwen several times. Once it is corrected the next time a payment is due they refuse to escrow. I was told I had to put in writing authorizing them to escrow my account. I am very upset due to the fact it states in my contract the condo insurance is include with my mortgage payment. They have received a copy of my closing contract and declaration page from my insurance company, yet this continues to be a nightmare. I am stressed to the max. As a matter of fact I have renter's in this condo. How dare they not escrow my account and I am about to be cancelled by my insurance company. This should not happen. It's wrong.

First off it took months to complete. They kept saying they didn’t receive my paperwork, which was a lie; I had confirmed faxes. Then they inflated my income so they could deny my request. This company must be shut down. They are crooks who have one common goal. To take your house!!!!! Very unprofessional.

Reading MANY complaints about hidden fees? Inspection fees? We all need to get together and do something about this!! This company is horrible!! I thought I was alone in dealing with them. I'm current and they still charge extra fees??

My husband left, leaving me with the mortgage and all other bills. Until I could get him to court, I called Ocwen for help because I am on disability and receive $800 a month. They allowed my husband to fill out a modification form in my name only and removed him from the loan. It's been almost a year and I've had monthly contacts with OCWEN TELLING ME NOT TO WORRY, THEY WILL HELP ME. I filled out another modification two months ago and every piece of paper they requested from me, they were given, but always wanted something else.

1st - in order to make a mortgage payment online to PHH, one has to pay a $12.00 processing fee. This is a gouging financial practice. 2nd - Payments are due on the first of each month, but payment is not late until the 16th. If payment is mailed on the 4th or 5th from Champaign IL, PHH conveniently does not receive it in Palatine IL, until sometime after the 16th making the consumer responsible for a late payment fee. Because of the way my income is received, I cannot pay on the 1st of the month. I will either mail my payment during the first week or pay online. It both cases I am the loser - either with the processing fee or the check gone missing thus I must pay PHH a late fee. Don't tell me to have a direct debit to my account set up. I don't want to do that for a number of reasons.

We have our loan serviced thru Ocwen with minimal issues until we had a house fire. Going thru the fire was bad, dealing with the insurance company process was worse. Dealing with Ocwen is far and away worse than both combined. No one speaks clear English. You can not get to a supervisor or anyone other than someone reading off the screen - circling around your issue - without providing any answer or resolution to the problem. They have changed their story 5 times over 3 weeks while they delay the distribution of MY insurance claim money so I can rebuild MY house.

My mortgage was sold to OCWEN back in Sept 2013. I have nothing but headaches with this company. They have taken payments out twice in the same month on a few occasions and blame it on the computers and then expect me to prove to them that the money was taken when they admitted to me that it was their error. Now I submitted a payment recently and have confirmation number and once again they blame it on their computers. I have spent way too many hours on the phone with their customer service and I get nothing but the same apology. I don't want an apology. I want the issues fixed. Nobody can help me. I so want a new mortgage company but why should I have to pay to get a new company when OCWEN can't get their act together?

Every time I call I have to ask for an American speaking associate. You call, hear the full announcements over and over, then get someone from out of the country who has no clue how to help you. The online service is not complete and the international associate refuses to transfer me to a US associate. Ocwen has the WORST CUSTOMER service and if you don't have to go with them for a mortgage I suggest you head another direction.

On several occasions, I've contacted Ocwen loan concerning my home loan. We are under contract for our house to be sold and are currently under a financial burden. We are two months behind on our mortgage. We've received a 45 pre-foreclosure notice in the mail which states we have until May 4 to make payments. We are scheduled to close on our home by the end of April or first week of May. I've informed Ocwen loan of this situation to see if they would be willing to work with us at all. Ocwen went and put locks on our home and put a notice on our door. I was told that they did this "to secure the home until the payment is made." I was assigned a "relationship manager" and she informed me that if we're able to pay off the loan and close on the house before May 4, we would be ok.

I applied for keep your home Calif. program after Ocwen Loan Servicing kept making and retaining errors regarding my account in late 2013. Back in June 2013 I was approved with Keep Your Home Calif. principal reduction program. Ocwen knew of this and quickly granted me a loan mod before the state reissue a mandated revise loan mod which would not require a balloon payment after loan was paid in full. At the time I was coming off unemployment and working self employed and during well later I was force by Ocwen to sign a note stating that a balloon payment would be due with no dollar amount on note. This was their first tactic. Again I was approved by Keep Your Home Calif. and I was told by Ocwen on Jan. 17, 2014 with the relationship manager that all docs were received regarding the loan mod. needed to go forward with the hard hit fund and that I would be contacted from my new hard hit fund relationship manager.

Ocwen bought my Mortgage in late 2006 after only 2 months of signing with my original lender. Three months following my first payment to them, I started to pay bi-weekly in order to shave years off my 30-year term. Soon after the beginning of 2007, Ocwen had contracted a third party manager to take my payments. I soon learned that this third party company forwarded my payments to Ocwen only once a month instead of two, hence, rendering my potential for Interest savings, useless. Despite my letters and phone calls of complaint, Ocwen wouldn't budge from their dependency for their Third Party associate. Ultimately, my complaints to this Third Party made them turn over my records to Ocwen for future direct payments. To this day, Ocwen claims no monetary responsibility for the actions of their Third Party Associate.

I have been contacting Ocwen since January about bogus fees and loan modification and every month I speak to the relationship manager and get nowhere. I filed a complaint with the consumer banking and finance and they responded back to them saying it was denied but have not sent me any paperwork and they are telling me my payments are one thing and the statement I receive has total different payment and they continue to lie and schedule phone calls to reschedule without attempts to resolve anything. As of today, I do not know what payment is and I'm in default.

In 2010, Ocwen assumed our mortgage. Our previous lender never notified us that they transferred our mortgage, and Ocwen never notified us that they had acquired it. All of this supposedly happened in July of 2010. Mind you we still paying GMAC up until September 2010. On our original mortgage, we had no escrow account, and paid for our property taxes and insurance on our own. First trick, Ocwen paid our property taxes without telling us. When we went to pay our taxes, we were told that our mortgage company paid them (GMAC). Second trick, Ocwen initiated an escrow account to cover the property taxes and insurance, but didn't notify us until September 2010. Meanwhile, we're still making payments to GMAC. Third trick, while they're receiving our payments from GMAC, they took our mortgage payments and put them in escrow, didn't pay our principal because they placed the money we sent them in a suspended account; and once again, they didn't tell us.

First, Ocwen does not honor the terms of the second granted by my bankrupt GMAC mortgage company (with GMAC for 20 years with excellent credit) but I am held to the letter of my agreement. The statements I received 2 months in a row showed a minus $13.00 and minus $16.00 dollar amount. Who gets a statement like that? I called 3 times to straighten this out. Hours on the phone. Then I received one. I sent in an extra payment knowing there was something foul (of course you will then need to spend more hours straightening out your credit rating). Then I get a notice saying my payment was short.. I called India today at 5:30-7:00 getting a runaround and they offered to give me a one time courtesy late fee removal. GEE Thanks. The "customer service" told me to be patient and talked and argued and would not give me to a Supervisor. They are horrible and you have no recourse as a consumer. What can I do? Is it because I have a nice rate on this equity line that is no longer honored as an equity line. I do wish someone would take this horrible company on!

I have been trying to deal with Ocwen Loan Servicing, LLC for months on top of months. They cannot speak English; they do not keep their word. You cannot call their customer service number and get any sense out of anything they say. My husband passed away very unexpectedly and I have been trying to work with them to get a modification. I have done everything they have told me to do but they never follow thru with anything they say. They need a class action suit filed against them. What needs to be done to start it?

My loan was sold from Bank of America to Ocwen in November of 2013. They did not send me a bill for December but BOA did. I paid them. Ocwen sent me a bill in the amount of $4000.00. I have spent countless hours on the phone trying in desperation to receive an explanation for the huge amount. They told me that it would take 60 days for them to receive all the information from BOA. I was also in a Chapter 13 bankruptcy which was discharge in August of 2013. They say I am still in an "active" bankruptcy even though I have sent them a discharge order, therefore I cannot access their website and I cannot receive a paper bill through the mail. Another time I called, I was told that they are having technical issues so that is why I haven't received an updated bill. Today I was told their "production department" is having issues which will be resolved on April 16th and that none of their customers are able to receive a bill in the mail.

We had been trying to get our mortgage lower because my husband is disabled from serving in the Army and have submitted several mitigation application to Ocwen Mortgage loss mitigation. He had not work in almost two years because of his disability. I had tried paying the mortgage by myself and maintain the cost of living and keep the house up for me and two children and it has been hard. One time talking with the representative, she laughed as if this was a joke and now we are going to be homeless. I have a disabled child as well. My husband is in and out of the Fort Root facility for his sickness. This has been unbearable. Every time I have submitted the Mortgage loss mitigation, the representative always send something back saying it wasn't submitted when it was and they couldn't find letters they had send out to us. It was just terrible. We are in the lawsuit and have not receive anything. This is just terrible. Please help because now they have sold the house to foreclosure and did not even contact us until after this and never did let us know if the mitigation was approved or denied. This needs to stop.

GMAC sold my mortgage to Ocwen a year ago and now that they have it, they are saying I am 5 months behind and my escrow acct. is -$532. Never missed a payment, have not missed any with them. Now on April 5, 2014 I received my March payment back. What are they trying to do to us? But to make a story short, I retain a attorney today, wish everyone good luck, hopefully I can get a class action suit starting against them.

A couple of months ago I received a letter from Ocwen stating that they took over my account from GMAC in October and that my taxes were not yet paid. No kidding, they were not due until November. However, I got the letter in early March, after the taxes had been paid in full. They said I had 30 days to pay & show proof. I told them to look it up and prove that they weren't paid. Today, I got another telling me my ins. deductible is too high and I have to lower it. Screw them and the horse they rode in on. Now I will see about doing a refi with my bank. Fuss on them.

My husband called to get our 2013 interest info for our taxes. Well, he found out that his payment for the current month was showing as unpaid when the money was already taken from bank account. He spoke to the rep which was clearly from India and did not understand the problem. He just kept talking through protocol and ignored the concern. Called again, had to re-explain and the person didn't understand and said to call back again, only to have to spend another 30 min to go through the whole thing again. They won't call back or have someone research the problem. Really angry.

Of trying to get a fair review of a modification loan no laws are applied to Ocwen's practices. I have letters giving you a merry go round to wear you out and the law applications are subjective to what Ocwen wants to do. I think enough material of unfair business could be put together for a class action lawsuit. Someone out here give it a start!!!

Does there happen to be a class action lawsuit started yet? I'm finding it difficult to prove anything such as sending in not one but two homeowners assistance packages and finding out they were "misplaced" and "never received." Increased my payment by $400 and refused to take my original payment. When I told them I was borrowing money just to make the original payment (hence the request for loan modification) and couldn't make the extra $400, they suggested I apply for the homeowners assistance program. I informed them that I had already sent it in twice. I just want out and don't know what to do. What I do know is that this mortgage company is incompetent. The right hand doesn't know what the left hand is doing. Lawsuit?!

Have been unable to contact this company. They make appts to speak to you and do not call. House was in short sale and had a cash buyer. They never settled it. They want it to go to auction, have not foreclosed on it. When you call them the call goes to India. They are corrupt. They should be put in jail.

Like they have done to so many others OCWEN is trying to screw me. They took over my loan just a year ago and last week I got a letter saying that they are not happy with my HO Insurance deductible and that I must lower it to $1000. Well that just isn't going to happen so I am in the process of refinancing with someone that will let me keep my $5000 deductible. In the meantime, I called them to ask for a waiver on their stupid deductible requirements and was told that "those letters are automatically generated but never followed up on and that I can just ignore it." Yeah right, like I am going to do that and have you people hit me with some penalty. So I am still in the process of refinancing and I just got a call from the new lender saying that they have hit a snag in the process because my property taxes that were due on Feb 1 have not been paid. WHAT?!!!!

We have a 30-Year fixed mortgage here in CA that we took out with GMAC several years ago. When GMAC Mortgage filed bankruptcy, OCWEN Loan Servicing took over the management of our payments. We pay principal & interest as well as property tax escrow each month. Our payments are made automatically each month using our online bill pay on the first of each month. We've never made a late payment. A few days into the month, I logged on to the OCWEN online system (Ocwen.mortgagebanksite.com) to confirm their receipt of our April payment as I track the interest monthly for my annual tax return. I logged on and was surprised to see that the principal balance on my home mortgage is now $0 and that it states 'Service Released' against the account number as of April 1st.

My boyfriend has a loan through OCWEN. After becoming permanently disabled and going through a divorce, the mortgage payments were impossible for him to make. He applied for a loan modification through OCWEN. After submitting the application, we received a letter from OCWEN that they had received the application and all was complete. Following the letter Mike received a letter from OCWEN indicating they needed additional paperwork. They stated certain documents were missing. The documents had been submitted. We submitted the documents again. We received a phone call from his loan servicer the following week and she stated that new documents needed to be submitted because the ones they had were not within a 30-day period. We submitted new bank statements, pay stubs, etc. and resigned the attachments with a newer date.

I called Ocwen. The customer rep stated Ocwen is having problems with escrow analysis. That's why Ocwen cannot generate a statement.

It should have been a happy time for my husband and I. After all we paid our house off! However no letter ever came telling us, just a check and check stub for escrow disbursement. So we kept paying, and called them about what these funds sent back were for? When we spoke to them, in India they indicated that "sorry but your home is paid off" and about a month later still No letter indicating we own our home. So they said the funds will be transferred back into our account within a week. So we waited, called twice a week and still no money back and still nothing in the mail indicating we own our home. This was on February 3rd. They said they transferred the money to a bank we have never had. They will not return calls and now when you call they are closed. I told them you only get so many complaints to the BBB and then you're done. It is amazing every month they took our money same bank they are are suppose to deposit back into. They are blaming it on a bank we never had. So where do we go from here.

Like many of you my account was sold to Ocwen. For the past two weeks, I have been trying to get the payoff from this clowns and so far nothing. I was hoping to have this loan closed with them yesterday but I haven't received no payoff via email nor regular mail. Every time I call is the same answer where a request has to be sent to a different department that you cannot be transfer to. I can send emails overseas and they get there in a matter of seconds, but apparently they still are under the dial up connections. It has been a very frustrating experience for us dealing with this company.

* BEWARE * Ocwen now services my mortgage after it was sold when GMAC became bankrupt in 2012. I just received a letter stating that my mortgage payment has not been received by Ocwen. I pay automatically via Bill Pay and just looked at my 12-month history. All payments are paid and cleared. The same frequency has been made yet for some reason Ocwen are now sending late payment notices and imposing late payment fees. I looked at my statement and it appears they are NOT APPLYING my payments to the mortgage.

After two months of absolute craziness, I thought I was going to have a nervous breakdown. I began to consider that maybe I had done something wrong to bring this misery upon myself. I Googled Ocwen and found this site. Oh my!!! I am not insane after all ... This is INDEED a horrible company. When I purchased my home 9 1/2 years ago I acquired a first and second mortgage. The second mortgage was with GMAC and was sold off to three of four other companies over the course of the past 9+ years. Unfortunately, the loan recently ended up in the pit of Hell that is Ocwen.

Again, I am like most people that have filed a complaint here. My mortgage was transferred to Ocwen from Litton Loan Servicing as well. I wish I had a choice in the matter. First of all I can definitely relate to others who call Ocwen to speak with someone and have yet to speak to someone I can understand or remember their name. How can you explain your issue to someone who do not understand our language, seriously? We cannot understand them, and vice versa. When I mail them my payment which goes to Carol Stream, IL, PO box, it takes at least 2 to 3 weeks before the payment is processed. They claim it takes them that long to receive it. Well out of curiosity, I mailed a letter to my cousin in Chicago, IL from Houston, TX. In 3 days she received it. Therefore, I know it does not take them 2 to 3 weeks to receive my payment in the mail. I have dealt with 3 other mortgage companies before and never have I had to pay a fee to make an online payment to them between $19.95 to $10.00. Now they are telling me I am 6 payments behind. Seriously they need to check their records. If I were three 3 they would have foreclosed on me already

This company makes up fees whenever they can. I can't tell you how many times there has been a "Property Inspection" fee added to my account. And the amount of this fee isn't a set amount, it is whatever they feel like. I noticed that if I paid any amount over my normal amount due, it would be the amount of this fee. So, for two months now I have paid one penny over my usual payment and that is what my property inspection fee is. This company has to be stopped. Surely all of the things that they are doing are illegal. I also have not received a paper statement since December of 2013. When we called to ask about this, they said it is all of their customers and that it is a huge problem. It is also affecting their website, at least for me. I can't log in. How is this legal? I hate to see when I do get a statement. It will probably have thousands of fake fees on it. I hate them.

Aside of having my payments double for property taxes that have always been paid in advance to avoid fees from the County Tax Department and still continue to pay in advance / two years paid taxes by me in advance at the County Tax office and Ocwen still continues to bill me for taxes. The property and school taxes total to about $1,753.00 per year and are paid in advance by me to the Tax office. Ocwen is charging us almost $6,000 per year for something that was already paid. Ocwen Loan won't put anything in writing/still waiting for my reimbursement for my over payments. They will not accept the house payment unless you pay the inflated payment. We never had issues with GMAC mortgage except for a insurance issue but once proof was sent they sent me back a check.

As I was going online to pay my mortgage bill, as I usually do, I seen on Google search about complaints and such on Ocwen, and seeing as they have been nothing but a complete financial headache of my own clicked on it to see if there were more than just me having all these problems with them. Well almost everything I read from other posts was exactly to a T as to what I have been going through! From them charging me fees that shouldn't be, not accepting any monies unless it’s the full amount (which is false because the fees/lies shouldn't be there), them adding an escrow account when I pay my home insurance/taxes desperate, threatening foreclosure, being rude, can't understand them, them not understanding me, won't let me talk to supervisors (saying they don't have one???)... and so on!

I am a woman who has went through a divorce and then a disability. I couldn't work anymore and I love working. But I always pay my mortgage. Yeah, I have been late several times. But I paid. I had been with Meritech, then they gave me to Saxxon. Saxxon then gave me to Ocwen. Saxxon never advised me of this company taking over. Somewhere along the line Ocwen said I didn't pay a payment. Now mind you one payment. Since I had all my papers in order and provided them, they were coming up with tons of reasons why I was foreclosed on. They also had taken 3 of my payments before turning around sending all the other payments back to me. So the 1-2-3 payments, then 4-5-6-7-8 payment were all sent back to me. I resent them all and they sent them back again. Refusing my payment.

Same story as all others. These people do not intend to modify any of the loans. Either they are so understaffed or plain fraudulent. Then why promise something they didn't intend to do. This company needs to be taken over and sold off in pieces. Just like they are selling other people's homes in foreclosures. I'd appreciate an email back with any of their officials to discuss further.

I started just like everyone else. I total agree we need a class action lawsuit against these people. I'm at the end of my refinance that started in January 2014. I was just told on Friday evening, the cowards, "Due to miscalculation from your Edward Jones accounts we're done, we cannot do anything else. If you'd like to speak with the Supervisor on Monday you can call back, but we cannot refinance your loan."

It's like they want you to fail. Like a kangaroo court and you're already 'guilty'! They are very condescending in their words and manner....The left hand has no clue what the right had doeth.... and they treat you like a redheaded stepchild. They are sabotage with a capital S.... I have 840 FICO, and never a late payment. This company bought my loan from Indymac or should I say OneWest Bank and you could just tell from the start that they are screwball.... I make my payment with online bill pay every month on-time since I already know the amount and it doesn't change (30-yr fixed). I don't pay attention to their emails and statements because they are really screwed up.

Ocwen took over our home loan I want to say 2-3 years ago. It has been nothing but trouble ever since. They have added "Fees and Inspections" onto our bill without even telling us. These certain fees and inspections are anywhere from $1500-$3600. When you call for an explanation, they give you a total run around and never a straight answer. Not to mention they are extremely hard to understand. I have paid these amount every time but in 2013 they added fees back to back and while I paid them $3600 in April and was assured by them that my next payment wasn't due till June, when I logged on to pay in June the balance was $2200 again. When I called they tried to tell me that I didn't pay my payment for May and that is why the fees were added. I explained to them that when I called in April they assured me May was included. They then told me they had no record of that conversation. How convenient!

I just sold my home to learn the amount owing the bank as indicated by the title agency reported by Ocwen was two thousand dollars more than the most recent statement I had in my hand from Ocwen. Ocwen takes every advantage of an unsuspecting customer. Be sure to read CAREFULLY every letter you receive from them and believe me, you will receive many mailings, mostly what appears to be offers to sell you insurance or offer lower lending rates.

OCWEN took over the servicing of my mortgage from IndyMac in November 2013 and has been a complete nightmare of criminal incompetence. In short: They have mishandled multiple payments, have extremely incorrect information about my account, and have been impossible to reach to resolve the matter to resolve it. This allows them to threaten foreclosure and to assign late fees to my account.

I decided to stop by this site just to see what other people have experienced with Ocwen. What I have read doesn't surprise me one bit. Ocwen took over my mortgage last March 2013 not by my choice mind you. My mortgage was sold to Ocwen and it's been a train wreck ever since. The last time I refinanced was in 2005. At that time I start making biweekly payments. Ocwen will no longer accept my biweekly payments instead they put it into a suspended account. By them doing this is causing me to be late on my payments.

I've been in communication with these people for 10 months now. We put our home up for sale in May of 2013 when we realized we could no longer afford the payments. We had already received a loan modification prior to this. But because we were only paying 40 dollars a month on a 96,000 dollar loan after 6 years we had no equity and a house that was deteriorating around us and no way to fix it, we decided to sell. Well after 3 months, no offers and only 4 showings, we called them and the games began. We sent our personal information only to have it lost. We went through 3 different people sending our banks statements, pay check stubs, communicating daily through emails only to be told we needed to resubmit because they lost it or the paperwork was "stale".

My mortgage has been sold to 4 different companies since I got in 2002. As soon as Ocwen got it all H@@ breaks loose. I received an escrow shortage notice dated 1/9/14, mailed a check for $199 to the address specified & it was returned. I called & was told not to worry because they had a department change and a new analysis was being done & I would receive notice by mail. My payment was then increase from $838.37 to $868.19. I spoke with Kamei who I could barely understand and who was of no help & asked I to speak to a Supervisor. When I transferred for an explanation and credit I was told by Minaxi to fax documents showing I had already received an analysis, a help ticket would be completed to find out why a 2nd analysis was done.

I have been fighting since May of 2011 for over $12,000 that Ocwen received from my insurance company. The check was to be endorsed and then the monies were to be disbursed to me for the roof repairs that were necessary after a fierce spring storm. The roof continued to leak (as I could not afford the repairs without the insurance money), the floors were ruined, and I finally moved out of the house. Long story short, I lost the home, over $25,000 in down payment, another $50,000 plus in upgrades, and now I am slowly losing my mind over this situation. The worst part of this is they sold the house (after foreclosing on me) for $25,000! I just don't understand how this sort of thing can happen!

Only a few months, Ocwen has taken over my IndyMac loan and I see some problems already. Although I have not been charged for late fees, they cannot open up their mail fast enough to accommodate all their customers. My payments are getting applied a few days late with no fee but that makes me uncomfortable. 7-10 business days from mailing to payment, there is something wrong and it's not the post office!

I never experienced such a bad customer service in my life. I called recently to check on my escrow, why it was negative, hence we never missed a payment. I'm yet to speak to someone that can help. It seems like none knows what to do. Just complete frustration.

Hello, well my mortgage was sold to Ocwen. Every time I send documents they never get them. They increased my note without my knowledge and for a while we're sending my mail to wrong address. As recent as today, 2/12/14, I spoke to agent I was told my taxes haven't been received, and I sent them 3 times. I am very displeased with this company's services.

Ever since Ocwen took over the loan I forget how long ago (I think 2012) it has been constant issues. I read the reviews on this site and noticed a trend. Customer service is the worst I have ever encountered. No one there can help with your questions and then they want to transfer you to another department or a supposed "Account Representative" that ultimately can't help resolve a problem either. They have lost my payments (I send every month from my bank account via bill pay) twice. Most recently they said they did not receive it but I had confirmation that it was delivered on 1/10/14. I called once a week after that as instructed by a Rep to see if they acknowledge receipt.

Ocwen had taken over my Home Loan from Indymac and I had been making payments for years with my Wells Fargo Automatic Bill Pay. Recently, although I have not changed anything and Ocwen has been accepting my payment, I have received a late notice and a late fee. Working with their customer service is frustrating as they seem to be very unqualified, do not seem to be able to address any significant issues and are not able to contact immediately anyone who is. I am still going through the process, but so far a frustrating experience.

I have a escrow-less mortgage for approximately 9 years. Last March Ocwen charged me $2100.00 for insurance. I already had insurance with Travelers for 10 years with no interruption. Proof was provided but they still want me to pay for a couple of months plus late fees. I continue to send my payments every month and on time. They apply the check so that I am showing 1 month behind. I call almost every month and just get the run-around. From the Ombudsman to customer service say the exact scripted information. February's check they claim they did not get; I canceled with the bank and pay by phone all costing me approximately $60.00 in charges. Now I got a letter that they are going to foreclose on my home even though I have never missed a payment. Nobody seems to know what that are doing or caring about the consumer. I have had a mortgage for 24 years and this here is my nightmare. Seem very calculating, I have asked for the Attorney General of Maryland to investigate and have placed a complaint with the Better Business Bureau.

GMAC sold my mortgage in December 2013. I have had trouble paying ever since. Our payments online have been rejected or not recorded. This generates a late fee. They have reported us late making a payment, although it was their fault. The saddest part of all of this is... my credit was great until GMAC sold the mortgage. Now, its going down the tubes. My wife is getting sick. I am getting sick. Maybe I need to have my attorney take a long look at GMAC. Somebody needs to help me out of this mess. I'm not looking for a free ride. I want justice, that's all.

I kept getting letters from ocwen loan stating I owe different amount in my esrow shortage. I continue to call them and they were rude and I had a hard time understanding. They first sent a letter saying I owe $2300 and then I call many times for explanation because if know I didn't owe. Then they said they just got the loan from gmac to wait and I will get another letter. I kept calling for about 2 weeks every day and I finally told not to worry, I didn't owe anything. Then a week later I get a letter telling me I owe $972 and if I pay by March 1, 2014 my payment would not increase. I went to the post office sent a check for $972 of Feb 26, 2014 and they got it the next day. Now here it is, March 7 and they said they got it late on March 3rd, when confirmation from post office they DID get it Feb 27th, 2014 on time. They increase my mortgage anyway and they told me I can't talk to the escrow department about this issue. I paid when I don't even think I owe anything because I was told I didn't. I don't even know what I should be paying for my mortgage. Please stay away from the rude people who are taking people homes or forcing them out.

I never dealt with any other customer service department which have no clue about the business. Asked for cancellation of PMI for 2 months and no response from anybody.

Our mortgage was bought by Ocwen six months ago. They sent a note in December stating the payment amount was going up in Feb 2014 which we overlooked. On Feb 5 our (wrong by $-90) mortgage was paid via auto bill pay. As far as we know everything is cool, we paid our mortgage on time one again for the 85th time in a row. On Feb 28, the last day of the month, we received a note stating we owed the full amount of the mortgage plus $72.26 in late fees. I called and they said they had not received the payment. When I stated that I had the payment info in front of me, the guy said, "Well that is not a payment, since it was not for the full amount, we were just holding that". He said we would have been sent to collections had I not made the balance payment that day, and our credit rating would have been compromised.

Ocwen took over our account after a few payments. Ocwen started showing our account was behind. I called to tried and get the problem fixed. After several calls, I was told Ocwen took a payment and applied (July 2013 payment) to the principal, not to the loan. I made several more calls and was unable to get the problem fixed. Ocwen still shows our account one month behind. I am vary unhappy with Ocwen...

Without cause, I was sent a notice by Ocwen informing me that I had to add $534 to my mortgage payment because they had paid my property taxes. Only one problem, I had paid my property taxes as well. I have always paid them myself. I have had many "circular" conversations with "customer service" reps that solve nothing as they aren't capable of understanding the system with which they work. I have provided letters from my County's Tax Collector, copies of my checks, etc.....to no avail.

My loan was sold to Ocwen, and what I cannot stand is having to communicate with people in India. I know that this company can employ more people in the United States. When you ask a question about specific details relating to your loan they give you answers to other questions. I think they are reading scripts, and although they can read the words they cannot understand their meanings. I had an escrow increase and had to call in 10 times before I could reach someone in the United States, after which I was informed that if I only wanted to communicate with persons in the U.S. I could request this for future business, so I did. It concerns me that my loan is serviced by some 3rd world country, and this is why I'm not Republican.

I started a loan modification 6 years ago with PHH. We asked for assistance after our loan adjusted, and the payment increased by approximately $500.00 per month. I had just finished treatment for a life threatening illness and could not afford the increase. At first PHH out right refused to assist us stating that they did not have programs available for borrowers who were current on their mortgage. So, we retained an attorney to assist us with the process. Almost immediately after we obtained an attorney, PHH paid our back property taxes and placed them on top of our loan for a year, increasing our new payment from over $4,500 per month to over $7,000 per month for a year.

I called ocwen and told them I never got a mortgage statement for the month of feb 2014 and on 2-7-14. The customer service rep said she would mail it to me. I never got it in the mail. And I have requested it in writing, by email, by phone and still after 8 times contacting them now, I don't have a mortgage statement for the month of march 2014. I cant believe this! I think there needs to be legal action taken when a mortgage company just decides not to send out statements any longer.

Why is it that Ocwen shareholders are not looking at these sites and going OMG I own shares in this horrible company? Well just because we who got our mortgage sold to them and are suffering for lack of any help on American soil, the investors are making big bucks along with Ocwen selling our foreclosed homes. They have a huge inventory of homes to sell. Where did they get them? We are just the mortgage slaves bought by this company waiting for our demise as they kick us out of our homes and put them all up for sale for the benefit of their investors' pockets. How can that be possible that the US now allows companies to find ways to make money off the back of homeowners who did not know they were buying toxic mortgages? The same way that Hospice CEOs in the US are making millions in Bonuses off the death of their patients.

Same as everyone. They are clueless. If the CEO is American he should be ashamed of himself. They just stopped my automatic payment without informing me and then said we had to pay the late fee, write a check for two months. THEY did not take it out of my account.

I been with Ocwen for a very long time as far as I can remember. Ocwen had been bothering me also with a lot of mess that wasn't necessary. I was very afraid I was going to lose my home too. But I had been talking to a lot of people and I been online several times reading about Ocwen, just a lot of unnecessary mess they take you thru. People had been telling me that Ocwen wasn't a mortgage company. It started out as a loan company so they don't know what they are doing. They would lose your paper work, they would call you and say you are late when you're not. They make people lose their homes for no reason, you know this situation is very sad, how this company treat people who are helping them make millions of dollars. I heard that they are a multi-million dollar business. That is why no one wants to help the people out who is complaining because they is paying millions in taxes. But people need to get a very, very large group of people and stick together and fight Ocwen and bring them down. Because they are doing something wrong when your own employee go against you and don't forget always keep god first. Thank you and may god bless you all who are going thru because that's a scary thing to lose your home and don't know where you are going to live. God bless.

If anyone is having a problem with Ocwen Loan Servicing, do yourself the greatest favor you can and file a complaint with the Consumer Financial Protection Bureau (CFPB)! These are the FEDS at Consumerfinancial.gov and they are ON YOUR SIDE! Ocwen suddenly forced escrow on my account without my knowledge even though I pay my taxes and home insurance for the entire year in full and on time. This meant an increase of my monthly payment of more than $300.

I had a loan modification approved on 4/20/2010 with a congratulations letter sent to me. After that letter I had an extremely hard time reaching an agent to verify my letter and guide me thru the loan modification process! They were going to get me on a payment of $1000 interest only for forty years. Instead they lowered my interest rate at 2% and started tallying up the new balance without alerting me to the change and because of this sneaky tactic (!), I fell behind the new balance and they foreclosed my loan! And I lost the house! They never could produce my original loan docs or how actually had ownership of my original loan note!!!!! They are corporate thieves! After I got approved for that loan mod, they sent me new paperwork to apply for that same loan mod again!!!!!

In July 2013, I was a few days late paying our real estate taxes. Ocwen, which was not our original mortgage lender, decided to pay them for us without any notification! I called them and asked them not to continue to pay our taxes and to stop deducting the Escrow payments to no avail. In November, I paid our taxes and they also paid our taxes. Again, I called Ocwen and sent them proof that I had already paid our taxes. I was surprised by their representative's questioned. She asked why did I pay them. My response was: "I've always paid my taxes," and asked them to stop paying them!

They took over my loan from GMAC who I had absolutely no problems with on 12/14. What a nightmare...I mailed my Dec. payment on 11/29... In Jan. I received a packet for foreclosure... When I called India, they said they had not received my payment... put stop pay ($10) on previous check and wrote another... Now it appears that I was 30 days late on my payment (Btw... have never been late once in 25 freakin' years!!) Wait... it gets better... I mailed my Feb payment on 1/28... On 2/14, I realized it had not cleared.

I have now called Ocwen and spoken with a supervisor nine times for my 1099C. First three times they said they mailed me a duplicate copy. Calls four-eight they tell me they are emailing it within the next 48 hours. Ninth call, they tell me there is no electronic copy and only an original document that was mailed out. I ask why they lied eight times to me and they have no answer. Any ideas on how to get this tax form? I have emailed the CEO and board of directors and not heard back. Also, called IRS and they can't help.

I mailed my mortgage Payment to Ocwen 6 Feb, I received an email confirming the receipt of my mortgage payment on the 12th of Feb (payments received after the 16th are considered late). On the 21st I received a call from one of their agents stating that when they processed my payment there was an error on their end and they were not able to process my check. I was asked if I wanted to mail in another check or do a speed pay over the phone. I asked if I would have to pay the additional charges if I did the payment over the phone. I further explained that I did not want to pay the additional charges of telephonic payment and that was why I mailed my payment in the first place and I also asked if I was going to be charged the late fee. I was assured that since the error was on their end I would not be charged any additional fees.

I have been beyond disappointed with Ocwen since the day I bought my home in 2007. I know my rant is just a drop in the bucket, but after reading a handful of complaints on this site and others, I feel compelled to add my story as well. Maybe, if enough of us complain, something will finally get done. I have a similar story, several instances of lost paperwork, promises of a loan modification only to be denied weeks later after a mind-numbingly excruciating process of sending paperwork, only to have them lose it and then request it again.

Our mortgage was sold to Ocwen several years ago. We are in the process of buying a new house and wanted to close the mortgage. In early November 2013 we requested a final payoff amount from Ocwen on a loan we'd been paying down (double payments) for four years. We received the information on December 30: approximately $750 if paid by January 15. We paid the full amount by wire transfer on January 2. On February 2, we received a bill for $13.60. We paid it, too. On February 17, we received a bill from them for $36.00. We called and they said our account was closed. On February 18 we received two bills from Ocwen, one for $28.00 and one for $270.00. The latter was marked "Past Due." Five phone calls and this is not resolved.

I have a rental property that Ocwen Services. Damage was done to the property. State Farm Ins. Co. sent me a check for repair work to be done. I had to send it to Ocwen, because the mortgage company had to sign the check with a seal and return it to me to sign and cash. I did not sign it before I sent it to Ocwen. Ocwen cashed the check and I'm still waiting for a check from Ocwen for over a month now. There was a letter in the check I sent telling them to sign it and return it to me. When I call I just get someone in India and today they hung up on me (this happens every time). The check has to be signed by me and Ocwen. I'm out the money and don't have the money for the repairs that are needed. It's over $6800.00. I can't rent the property out and I'm losing money on the rent I would be receiving. Please Help!

My loan was sold to Ocwen Loan Service about a year ago. I own several properties and I must say this is the worst mortgage company, please close the doors. In the last 6-month I have experience the worst customer service, my tax have not been paid for 2013, my calls have been disconnected, I've had to fax the same document over and over, refuse to let me speak with a supervisor, no ones able to provide me with the same information and when they cannot answer your question they disconnect the call. I could go on but what good would it do, please stay away from this company. It should be some type of law preventing a mortgage company from selling your mortgage without your approval.

In 2011, my loan was transferred from Litton to Ocwen and during the transfer I was still making payments. None of my payments were applied and my loan was already in past due status and Ocwen indicated that they would not apply any payments to the account unless it was the total past due. I stated that I had been sending payment the entire time during the transfer. They stated they never received them. So they recommend to do a loan modification.

I have a difficult time understanding the language (English) the person in India is speaking. Nothing I have asked them to do (automatic bank drafts) and more, goes to a dead end. Outside financial dealers and reps can't believe they're still in business. They LOCK you into the high interest rate and raise the payment yearly. They suck! Avoid contact. They ARE the plague!

I was running behind on my Feb 2014 payment and knew that it wouldn't reach Ocwen before the 15th of the month (If they receive a payment after the 15th of the month, they will report you as a "Late" payment to the credit bureaus). So I called to pay by phone, even though it was going to cost extra. I called on Thursday the 13th, they sent me an email confirmation stating it was paid, and I thought that was that. Today I went to my bank account and saw they didn't debit the payment from my bank account until the following Tuesday the 18th. I sent a reply to the email confirmation they had sent to me, but it is an undeliverable email address. I know there was plenty of money in my account to cover this. What a scam they have going on!!! I am sure that if they are pulling this on me, they are pulling it on 100 other customers! Where can I report them, and will anyone care? Confirm from Ocwen below:

Like many of you and quite out of my control, my loan got sold to OCWEN a few years ago. I've never missed or ever even been late on a payment... ever! Unfortunately due to circumstances beyond my control, I've been out of work for the last 4 months, but (because of savings) I still didn't miss a payment nor was I late. Luckily work has picked up but unfortunately I was a few days late with my January and February payments. I called and talked to the customer service department at Ocwen and they basically told me there was nothing they could do to help me with the late fees. They said the best they could do was not tattle on me to the credit agencies, but that they still want their late fees!

We got behind on mortgage and we tried to get loan modification but was denied because they said we make too much, we tried making payments but was denied. They said they could not take a $5000 payment for us to to nearly catch up, because they said it was over 30 days from last payment. We had set up an automatic withdraw and they messed up, and we tried doing speed pay over phone, but it would not let us.

Sent our mortgage via US mail on the 2nd of Jan from CA to get to IL. They did not post our check till Jan 22nd and charged us $179.00 late fee. All the other checks sent that day were received and posted by other companies by the 9th of that month some even further away than IL. The worst thing is that they are doing it again this month. Just checked the bank and our check has not gone through yet again. I see this is happening to lots of people. I don't know why it would take 2 1/2 weeks longer to get to them than all the other companies. I see that have an F rating on BBB. When you try and call you just get the call service in India and they cannot help at all.

Loan was transferred by Wells Fargo to OFS (Ocwen Financial Services) in 2010. Myriad of problems as a result, too numerous to list - 1) lost "file" to begin with, 2) wrong spelling of name on a/c, 3) about the 2nd month, received a late payment charge and notice, 4) called them, emailed, dozens of times to get this fixed but to no avail, 5) after 6 months of frustration, gave up. It's impossible to get a rep on line, someone who knows your account, transactions, and will give a straight answer.

I keep getting phone calls at least 2 - 3x a week, from an acct. manager. I am not arrears and I am up to date on all payments. I feel it's an invasion of my privacy. Very frustrating. I am in the Real Estate business and have discussed these phone calls with people that originate loans and they advised me because I am coming near the end of my loan Ocwen is trying to get me to refi under HARP... Also, I don't get paper statements and no one ever stated in a letter that we wouldn't be getting statements. In addition, I can't access statements online because an error message comes up about having Adobe Reader in which I have and verified. What are they hiding? And to top it off, the person who has been calling actually called the other day with the wrong names of the loan... She must have a list and forgot whom she called. Very unprofessional.

Our mortgage loan was sold from IndyMac Loan services in November. We received no notifications at all and kept sending our payments (this is a rent house we have) to bill pay to IndyMac. Then Ocwen started with the phone calls horrible and rudest people ever. I put together that our loan was sold by the harassing phone calls. Anyway, in January 2014, they raised the payment to 800.00 which is 80.00 more per month and can't tell me why!! Also it just went up Another 5.00 this month.

I work for an insurance agency and HATE dealing with Ocwen Loan Servicing. They have horrible customer service and NEVER have any notes of any previous conversations. You can't understand them half of the time because they are in a foreign country and they can't understand you. I dread every single time I have to communicate with them!!!!!

I've had nothing but bad experiences. I'm sure someone has experienced this to their missapplying my Funds. For instance, I will send money in for my regular mortgage also I will send money in for my principal only they would take my principal payment and apply it To my regular payment.

I have been doing my loan payments thru my bank BoA and haven't had problems. Thanks God. My loan was also transferred from BoA and knowing all these stories I found this is a safe way.

GMAC/Ocwen purchased our loan. They told us everything would remain as was and that there was no need to do anything. But they "lost" our auto-payment records. When we figured this out a few weeks overdue (as we had believed them that nothing would change and we did not need to do anything), we called and told them to set it up and take the money for that payment and for all future payments - we wanted everything on auto-pay so there was no possibility of being late. We thought everything was taken care of and could see payments going out each month. But we started to get cryptic calls saying that we were late. We would explain to their people what happened, and usually they would hang up on us after we said we had paid and gave them the date.

I joined a mortgage accelerator program with HSBC Bank twenty years ago when purchasing my first home. In the ensuing years we have stayed with them despite changing mortgage companies. Back in Sept of 2013, payments started going to PHH for some reason and they were initially making payments to the company that currently holds my mortgage. Payments were spotty and also not for the full amount that they were taking from my account, sometimes covering the principal payment but not interest. Since the beginning of the year, they have taken over $2000.00 from my account and none of this has gone to my mortgage. I found this out when my mortgage company's collection department called to tell me I am in default on my loan with them. I have tried repeatedly to contact PHH about this and I keep being told that they have no record of me or any payments made to them yet it clearly shows on my bank statement that payments have gone to them. Has anyone else had this type of issue with them?

I also had my mortgage with Ocwen and had the same problem as everyone else has. In 2007 I was divorced and received half of my ex-husband's topping out fund, I paid the mortgage off with the money because I wanted rid of them. It is now 2014 I cannot count how many times I have called them, emailed them sent registered letters asking for a mortgage satisfaction. They tell me they have sent it which of course is an outright lie. I am trying to sell my home and cannot because I need the letter of satisfaction. I am at my wits' end and have no idea what to do,

I mailed my payment due Feb 1, 2014 on 01-31-2014. Payment was not process so to avoid a late payment charge, I put a stop payment on my check and tried to use OCWEN's online payment option. The one-time payment option would not allow me to put in a date of payment and it would not proceed without a payment date. I firmly believe this is done intentionally by OCWEN. Had to call the customer service rep in India to get a payment made. Also stopped receiving monthly statements with payment coupon for the following month. I have been making additional principal and escrow payments and designating the additional payments on their coupon but OCWEN misapplied my additional payment for January 2014. I would not recommend that anyone do business with this company.

My husband received a phone call telling him that he is pre-approved to refi. We at the time were definitely looking to do that because of the rates being so low. They tell you that if you don't fulfill your end by submitting paperwork by a certain time then you are charged 500 dollars. So we agree. We send in everything they need. Then they call and say “No you’re not approved and oh yeah, you still owe 500 dollars for fees to try and refi the loan”???

My loan was purchased by Ocwen from Chase. I went through a loan modification process with Chase that took over a year. I was finally granted the modification from Chase in Aug 2013. After agreeing to the terms and submitting the paperwork and the first payment, I get the letter that Ocwen will be servicing my loan. I continued making on time payments for six months and now I get letters stating that I have reached the end of my forbearance period and I owe a $20,000 payment. I should have known something was wrong because I went through several months where Ocwen was not reporting my account to the credit bureau.

I think we need a class action suit. My wife had to take a cut in pay due to health issues. Shortly after that, she was laid off. We applied for a loan modification at PHH Mortgage. We were assured that we would qualify. The case manager told us that we needed to stop making payments so that we would be in the right position to qualify. We submitted the paperwork and followed his directive. We called him once a week to check on the progress. Every week he would tell us that something was missing in our paperwork and ask us to send it to him and that when he received that missing document everything would be ready to go. When we would call the following week, he would say he didn't receive what we sent. We would explain that it was emailed, he would say wait let me look and it would be there. Some weeks he would say we just needed to be patient, then the next he would say we missed signing something.

This company - who know where they are located - has proceeded with foreclosing against a man who "forgot" to pay his bills due to dementia. FYI - charging 10% interest rate for a man who can barely afford basic necessities of life. Family stepped in after finding out and filled out home modification application. Apparently this application has been sent to another country and the "contact person" in Africa or wherever is nowhere to be found. No returned calls, no fax number, no email - nothing. Foreclosure date is in 2 weeks. Will fight this will all I have. Total abuse and neglect to return calls.

Ocwen - worst ethics for a mortgage company. This has happened to me several times. Owned my house for 16+ years and had the mortgage under Bank of America. BA sold the loan to Ocwen. The problem is that I send off the monthly mortgage payment by check via US Mail on the 4th or 5th of he month. We all know it does not take 2-3 weeks to mail a check from San Antonio to West Palm Beach. Ocwen holds the check until the 24th, then charges me a late fee. I wonder how many other Ocwen customers get treated the same way? I can't help but think that this practice is deliberate and intentional, just to collect the late fee. It might even be illegal.

Ocwen took over our mortgage around January 2011. Everything was fine for the first year except they paid our property taxes after we had already paid them which is not escrowed. Just to be brief, everything started going downhill. First they stopped sending statements monthly, then they said we was 60 days past due. Ok paid the "past due account", now current around June 2012. Again no statements so I decided to call, mind you still paying without the statements. I called them August 2012, they told me we was in foreclosure because of none payments. We wired them the money to "catch up" on so called pat due bill. Called them to confirm and give the reference number, was told to call back the next day to confirm payments posted to the account.

We received a 1099 from Ocwen on 2/6/14 and a letter dated 10/3/13 stating they needed my "Tax payer identification number" or social security number before they can process my 2013 interest statement. Is this for real???!! They have my mortgage and I believe my SSN is scattered throughout every document in my file. I do believe this looks like a stall tactic in getting my interest statement for 2013 in a timely manner. I was also told that part of my interest statement would be coming from GMAC who had my mortgage for about 4 or 5 months in 2013. I don't feel good about this after reading the reviews.

Helping Home Owners is what they don't do. I was 6 month behind on my mortgage of $906.15 which totals $5436.90 so I thought. I could get help by applying for a Home affordable modification. I was denied. They took all my information and used it against me. I worked a second job to make ends meet and try to save money for repairs; I had to pay $7809.01 to be reinstated for the 6 months I was behind. Then I received a notice with my April mortgage note saying I owe $400.00 for charges they just received which totaled $1440.00.

I have not received a statements from Ocwen since October 2013. I have called no less than 35 times and they indicate they were sent. I also requested them to be emailed and have not received them. My husband passed away in October and my payment was three days late. They levied a fine and reported it to the credit bureaus. When attempting to contact them, I get the calling center in India and cannot understand their attempt at English. I have talked to the Research department, Ombudsman and countless other people who insist the statements have been mailed. I also have not received my year end interest statement so I cannot file my taxes. I spoke to one woman who indicated that I should remortgage my house at my expense. I have tried to tell them I have not received anything and they act as if I am lying. I have filed a complaint with the BBB and my state attorney general. I would appreciate anything that can be done to rectify this situation.

Today is my Birthday, 2/5/14. I have never been late with a mortgage payment. Because of all the recent snow we've had in NY I decided to wait until my direct deposit posted on 2/9/14 to pay all my bills at once rather than venture out into this terrible weather to drop a check into the bank to stay safe. At 11 am I received a call from OCWEN demanding payment. This woman was relentless in making me commit to a time but all the while insisting on an immediate over the phone payment. I explained I have always paid before the first of the month and never missed a payment so why was she harassing me? I also got her to admit that my payment isn't technically late until after the 17th of the month and even then I can simply pay a $80 late fee. She still demanded payment despite these facts and got me very upset that my high blood pressure got the best of me and I felt like I would pass out.

Yesterday we received a phone call from Ocwen stating that they were holding a $13000 insurance check for us. They wanted additional info and are sending a "Packet" to us via regular mail. They said that this was a claim from 2002. They also said they aquired our account in 2013 from GMAC. In 2007 GMAC started foreclosure proceedings against us. We were forced to file a chapter 7 bankruptcy (due to job loss). All foreclosure proceedings stopped and in about a year the bankruptcy was discharged. We moved out of the house and notified everyone.

I live in Fremont, CA. My loan is with Ocwen. I paid 2012 Back Property Taxes owed with the Alameda County Tax Department. The Alameda County Tax Department verified that I paid 2012 $32,027.28 property taxes with personal cashier's checks and provided written documentation. The Alameda Tax Department also researched that they never received payment from Ocwen for the 2012 back taxes. Ocwen Loan charged me effective 2/2013 for loan balance of $ 38,647.48 that they said they paid back property taxes. I provided the letter that Alameda County Tax Department that I paid the 2012 taxes. I sent information in registered mail 6/2013. On 1/31/14 , I received a mortgage that still indicates an escrow adjustment of $ 38,647.48. My mortgage has increased because of this escrow adjustment. I've called Ocwen several times however, they put me on hold to review and kept on insisting that they have paid property taxes. What is my next option? My CPA's office recommended that I need to hire a real estate attorney. Please advise. Thank you.

My loan was transferred to this company in OCT. 2013 not my choice. Every time you try and call you get someone in India that you cannot understand. They have raised my monthly mortgage already for escrow reasons they say. You cannot receive any help from them. Now I haven't received a bill for the FEB 01 payment, been trying to call for three days, cannot get thru, have spent so far 2 hours on hold. Still no address where to mail the payment.

Out of curiosity, we are wondering how many of the Ocwen problems people are experiencing have to do with loans that originated with Taylor Bean & Whitaker prior to 2007? We have 3 loans where were being handled through TB&W mortgage servicing, that were later serviced by AHMSI after TB&W was taken over by FDIC during the Colonial Bank scandal when Lee Farkus (pres. of TB&W) was sent to prison for mortgage and securities fraud against Colonial Bank. Lee Farkus is the guy who is famous for having said he could rob a bank with nothing but a pencil.

Our loan was sold to Ocwen in March 2013 from Homeward financial. We didn't have a problem until November 2013 when they changed our banking information and are now saying we are 60 days past due even though we have emails confirming payments but none saying they didn't go through. When calling to try and straighten this out no one answers or you are on hold for 45 minutes and still get no where. We have made three payments that we have confirmations for and they are still not showing on the website. No one answers emails for complaints and you cannot talk to a supervisor. I have contacted the credit bureaus and the BBB. Next step is contacting an attorney.

My mom is 78 years old and is now living alone. My dad fell and because of his injuries is now in a nursing home. After 57 years of marriage, my mom has to learn how to live without her caretaker and fend for herself. Dad and Mom bought a 2-family home that they thought could provide a modest income and also provide a place that they could someday live in. Now my mom is trying to keep up paying a mortgage that seems to always go up, so after 4 months of partial payments she heard about Ocwen's mortgage relief program. She for months now has sent several copies of every paper that they requested. Every time she has a scheduled phone conference, it either does not happen or they request additional of the same paperwork again as they state they never received it.

We been in our home for 16 years, making mortgage payments to GMAC. During those years never had a problem. For the past 11 months there have been off and on problems with my account with OCWEN. One occasion I mailed in my payment on time, and after the late payment date I checked my bank account wondering why I have extra money. Why is my payment (check) not deposited until the 26th of the month. Another occasion, after sending a payment on time, well they were called. OCWEN put my check on hold and it was sitting on someone's desk. This was after the late payment date 1-21-14. And because it was OCWEN mistake, I had to make a phone payment even though my check/payment was in the office.

I am so relieved to find this complaint here! Our nerves were so rattled by what Ocwen put us through, that we never got to reading detailed complaints like these. We had the exact same experience as you. We were called and offered a modification on our loan. We did not call them to ask for it. They proceeded to tell us that we needed to stop paying the mortgage for at least three months in order to qualify for the modification. That seemed very strange to us. They had just told us that we qualify for it, yet we had to do something else to 'qualify' for it.

Ocwen my mortgage from GMAC around March of 2013. I had both my homeowners and flood insurance payments added to my escrow. Well, on Jan. 31, 2014, My insurance company sent me a letter stating that my flood insurance expired on Jan 3, 2014. I was horrified, I thought Ocwen paid my flood insurance. I contacted my insurance company and was told they sent Ocwen 3 billing statements,stating they have to pay my flood insurance. How ironic, they paid my homeowners. If I didn't pay my flood insurance on the 1/31/14, my flood insurance would lapse and my insurance would go from $1000 to $3500. My agent called them and worked it out. Luckily, I had the money to pay it.

I have been with them for 8 years after my original company sold my account to them before the first payment. I have been having serious money problems since I have had to have two surgeries. I have had a modification with them before but this time they have been dragging their feet. I am now two months behind partly because I allowed them to draft my bank account for $600 but they tried to do more and the transaction was refused. So now I am having to try to play catch up. This is hard since my house is literally falling apart around me and I am having to rob Peter to pay Paul in an attempt to have heat and running water plus get them caught up with the mortgage and the escrow account for the insurance and taxes.

I am so tired of my payments being posted late. They are so unorganized. I wished that you could make payments directly to them without have the processing added to your mortgage. Urrrrrh!!!!

Got a loan thru credit union and was sold to PHH. In 20 years of owning I have never had to pay escrow. In the last 2 years of having PHH we have had to pay escrow 2 times. On our closing we had escrow signed up so that we would not have to make a payment at beginning of the year. Now each year we get a bill because they have said we did not pay enough. We called and talked with them and asked to have this fixed and they said they look at last years taxes and insurance to calculate. I wanted to pay more so that it would cover it and they said they will send back the extra we send because it is too much. I understand insurance and taxes go up a little but ours has gone up many hundreds of dollars at a time and the purpose of escrow is to hold extra money.

I've read many of the stories over the years but I haven't read of anyone that has had to deal with Ocwen for much more than 2 years. I started this process on January 31, 2009. I have six loans that were all eventually transferred to Ocwen. I was told to stop making the payments if I wanted to get any loan modifications. So I destroyed our credit and stopped making the payments. This has been five years of unbelievable horror and frustration trying to deal with Ocwen. Ocwen has a very consistent and persistent policy of denying and delaying when it comes to dealing with its customers. Ocwen will request documents, I'll send them, and then they'll deny receiving them despite the fact that I have signed receipts by them.

This company certainly has its issues, so I decided to call the Executive Chairman of the Board, William C Erbey @ 561-682-8520. A lovely, American lady named Jackie ** handled my complaint with ease and promised to have a REAL person contact me tomorrow. If I haven't received communication from them by tomorrow, Jackie asked me to call back so she can connect me directly to Mr. Erbey. I suggest everyone call the number and even send him an email at william.erbey@ocwen.com. I will let you know if my situation is handled after tomorrow.

Late fees from closing in NYS flood in 2007 were in process of being eliminated by Phil Franklin, Fremont Bank of Anaheim, Ca when bank imploded. It was then being resolved by Benny **, executive @ Goldman Sachs' Litton Loan Servicing when he lost his job and Ocwen took over. We are denied modification/resolution and there is no one to speak with. We are locked into terrible credit due to problem.