Onity Mortgage Reviews

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.

I also had insurance and escrow added to my account. I already pay my own insurance and taxes and they are up to date. I am refusing to pay them and they keep adding late charges. I am refinancing with my credit union, but I am going after them for the late charges. I will report them to the Florida Attorney General and any other agency I can locate on the web. I have already reported them to the BBB, where they have an F rating. All you Wells Fargo customers that will soon be OCWEN customers, BEWARE, your monthly payments will soon be increasing. They will find some sneaky way to add fees and make it difficult for you to make your payments. If you have good credit, find another lender.

My account was transferred from Homeward last year. Everything okay with Ocwen until December 2013. Supposedly they updated their system. Now, when I try to access my loan info, I find the name on my loan has been changed from my husband's to someone unknown to us, who lives in another part of the country. I cannot get a 1099 in our names, cannot even make a payment for Feb 1. When I call, as I have been since January 3rd, I get assured that this will be corrected. Called for the sixth time today, same answer. Asked to speak to the dept mgr, but he was on the phone. Said he'd call back, but I am still waiting. In addition, Ocwen is reporting to the credit bureau under this other person's name. Wish I could get out of this company.

My acct was taken over in Oct. 2013 from GMAC. The first two months I had relentless calls, my payment was being automatically taken out, telling me that I was late on my payment. They had my name with someone else's address. Once I got that straighten up, which is a task since the CS is in India and difficult due to language issues. Now I signed up for the weekly program that takes out a 1/4 of your payment every week, now I am getting a late charge assessed because I did not finish the month payment by the 15th. Of course I get two people that read from a script due to language barrier. So when asked if I switch to biweekly, will I get 1/4 and then the 1/2 payment taken out at the same time "possibly". I also have faxed my insurance policy to them over and over, they claim I do not have hazard insurance, but they have been taking it out monthly. One battle after another. What a losing battle! I could understand if I picked this company, but I did not!

I don't care at all for this company. They won't help me catch up on my payments and when I contact them, they never answer anything I am calling about. Also they don't have clear speaking English people to speak with. I want to refinance my mortgage outside of them and no one will help me just fed up completely.

1st Unfortunately after 13 years I have to give up my home and it's breaking my heart as well as my children. My mortgage was transferred to Ocwen. I contacted them about a deed in lieu and also spoke with numerous people. Was told 35-45 day process and needed to be out of home. I left and deed in lieu still not done and a lot of misinformation and misrepresentation. Confused that I can't get a straight and would have stayed if I knew I had more time in my house missing and heartbroken.

This POS servicer is trying to rip us off like their predecessor. And just like their predecessor, they are going to find their asses in mediation as well. Only this time I'm going all the way to court, with a jury of MY peers and pay off my loan with THEIR money instead of settling out of court!!! I cannot believe THE SHEER STUPIDITY OF THESE PEOPLE AND I CANNOT BELIEVE ANYONE WOULD STOOP SO LOW AS TO WORK FOR THESE POS SCAM ARTISTS. Like the movie, I'm coming and hell's coming with me!!!!!

At the advice of my Relationship Manager at GMAC last October, we started the short sale process for our home (which we have a buyer and contract). Then everything transferred to Ocwen Loan Servicing. I get no answers, only stalls, delays, and frustration. The only number I have to call is for a call center in India who only tells me the short sale is "in process". They only offer to make appointments for my relationship manager to call me several days later. Sometimes that call happens, sometimes not. Today, my relationship manager called and told me she has not been able to get any information from the Short Sale Department. She offered to transfer my call to that department but then came back on the line and said no one was picking up the phone in that department. Then she put me on hold while she went to talk to her supervisor, and I was disconnected. She did not call again. Now I have a certified letter saying because I did not start a mediation process, they are foreclosing. Please, anyone, any suggestion on how to deal with this company!? This is just so wrong!!

We re-fi'd last year and our mortgage broker bundled it off to Ocwen. Never heard of this terrible company before. Problems from the very beginning. Clearly this was some fly-by-night debt collection company that saw a "business" opportunity to screw over as many customers as possible. Where to send the payment? Total confusion. No electronic address so I can mail my payment directly from Citibank. Sorry, they don't do that. Hmmm, that's interesting. What century are you in? Change of payment address - did you ever tell your customer who might actually be paying automatically every month via web payments? No! So my payment arrives late and now the burden is on me to prove my innocence (mind you my wife and I both have 800+ credit ratings).

I had a mortgage with GMAC, went through loan modification with GMAC that took more than a year to complete, with little to no change. Ocwen took over as payee and I have had nothing but grief. I was laid off and ended up two months behind... They call several times a day, even if it is a few days past the first of the month. NOW I take a better look at my statement to see a property inspection fee of 10.50 a month and several certified mail charges that have been added to my loan every month. I am refusing to pay these property inspection fees and certified mail charges. I never received certified mail. I will be caught up by the 5th of February barring any unforeseen disasters. On my block there are only five homes lived in. The rest are burned out shells or empty lots where a home once stood. If they want this place, good luck selling it or taking it. I will chain myself to my property and I refuse to far for a property inspection that never has happened. If I could I would take my business elsewhere!

My husband was laid off in September 2012. I was able to keep up the payments on my salary, but missed one month when my daughter's apartment caught on fire and she needed our help in another city. I contacted PHH to explain the situation, and they said to just pay $250 extra each month to catch up the missed payment. Even though that was even harder financially with my husband still out of work, I agreed. I kept receiving letters saying I owed over $1,000 in missed payments. I was putting the extra amount with my payment each month, but they simply applied the extra to my principal and said that I still owed the unpaid amount. I had struggled to repay the missed payment exactly the way they told me to, and they then said that I had not been paying the extra amount AND that they never agreed to those re-payment terms in the first place. I was doing exactly what they had told me to! Now, I had struggled to pay extra each month, that I shouldn't have, and still owe the extra >$1,000.00. I even sent in my bank statements to prove the amount I had been paying and I'm still fighting them to apply the extra amount paid to my past due balance. They say they will work with you if you have a hardship situation, but they're full of ** I HATE PHH!

Just read a complaint with regards to Ocwen Financial and their practices. "Helping Homeowners is what we do". I too got caught in an escrow account scam AND something called a "suspense account"....where they take your payment and DO NOT apply it to your scheduled principal and interest payment, as intended. Then they wreck your credit by reporting you as late.

After we lost our home in June 2012 to Option One turned Homeward Res, Ocwen Sent me a letter telling us they would be our new lender. My five children and I was in shock, I called and found out it was true. Was told we could move back home... Long story short, I found out the house had a bad fire. Was helped by Ocwen to find the Lender placed insurance to fix the damages, And as soon as I did all of this...They took me to court and took the house back...Saying nothing...Other than it is an REO owned home. I am so sick. My children are heartbroken. And they have it listed on Hubzu for sale. What they don't list is the house had a bad fire and they collected insurance money to fix it... Please pray for my family. Help me make this right.

My situation is pretty much the same as everyone else. My note was sold from Popular Mortgage, Litton and Ocwen. They are not reporting my payments to the credit bureaus. They have wrong information on credit report. They said I filed Chapter 7, which I did not. This is just a bad company. I am not going out like a lamb, they picked the wrong person. Every time I call for my monthly statement, they tell me it's with the attorney (hmmmm). My attorney says they are bad. Push come to shove, I will pay my attorney to help me fight this. We all need to band together and get rid of these leeches. I will file complaints with every agency I can find. They deserve a zero rating.

In November 2013, I received a letter from Ocwen stating that since my property tax is due within a week they were required to pay it and open an escrow account for the remaining payments BUT if I didn't want the escrow account I would have to repay them and make all the additional payments, send proof to them along with a request to close the escrow account. I immediately borrowed the money and paid up all my property taxes. I sent them a check via overnight mail for the amount they paid but even though the mail was delivered, they claimed they did not receive it. After numerous email and calls (5 weeks later) they received and applied the payment. Okay so I faxed in another written request to have the escrow account closed but was told they made another property tax payment on my behalf???? I already paid up ALL my taxes for 2014, there was no more payments due.

My loan was with GMAC before it was bought by Ocwen 1/1/2014. I had automatic withdrawal setup with GMAC. I just received a paper bill today, 1/21/14, with statement date of 12/26/13 and due date of 1/1/14 and late date of 1/17/14. Fortunately, my automatic withdrawal continued under Ocwen (I called and verified). But it just shows how bad a company is when they mail out a paper bill 5 days before it's due and mail takes at least 2 to 3 days and in today's case, it was not received until after the late fee would have been charged. I will definitely be refinancing to another company asap.

My original loan was through Charles Schwab (2006) who transferred their PHH loans directly to PHH. Originally, I was put into the modification loan program in 2010 for 6 months, I was told on many occasions that once I was in the program that as long as I made my payments on time for 6 months I would continue to be in this modified loan. I did exactly what was requested and after 6 months they threw me out of the modified loan and requested payment for all the back balance, which I then paid. I sent every single requested document outlined for the 2009 modification along with my tax statements, bank statements, the 4506T, utility bills, hardship letter, etc. and much more and mailed them in the provided 2nd day UPS which I dropped off at a UPS station. I also called in 2009 and confirmed they received the documents.

I applied for a home modification with Ocwen and everything was going fine until I made my 3 trial payment. All the paper work was done an I was granted a permanent modification since then I haven't been able to make a payment. I tried everything and all they tell is that I need to speak to the account specialist and that has turn into a nightmare for me. I left about 30 voice message and they never return my calls and now I am 2 month behind and I am very concern about the future of my home.

Our two mortgages were assigned to Ocwen in July from GMAC. I have yet to receive a statement from them and cannot access the account online. I called customer service in India and was told because of our Chapter 7 bankruptcy 5 years ago that our loans were still in bankruptcy. We were never late with our payments and the house was never foreclosed on or was it part of the bankruptcy. I asked for a supervisor and was on hold 45 minutes and was told I would get a statement this month. I doubt I will. This is a horrible company. Has anyone else had this issue?

They are holding my money hostage for Insurance claim over one signature that they did not have on their form. I sent check and they sent it back when it wasn't endorsed like they wanted but told me different and now they are not releasing partial funds to get my roof repaired because of 1 date on forms.

In April 2014, my family and I encountered some financial struggles that caused us to default on our mortgage loan. We contacted the loan company for a program that would help us stay in our home but reduce the payments to something we could afford. We entered into a forbearance and was mailed a packet to fill out and return to determine our eligibility. Once we emailed and faxed our documents, a few weeks later we were told that PHH never received them. So we attempted to email them again only to find out from our case manager that she could not receive emails with attachments. We were then provided with a company email address to use and after another few weeks found out they only received part of the packet.

Ocwen is completely unethical. It is obvious from speaking with their call center that their reps know very little if anything about mortgages. It appears that Ocwen is nothing more than a money-making machine whose only concern is getting money from customers at any cost, regardless of the consumer's rights. THEY MUST BE STOPPED. THEY MUST BE INVESTIGATED BY THE OCC AND THE FEDS, THE SOONER THE BETTER.

My mortgage was acquired by Ocwen when GMAC went under, no problems from the start, but at the end of 2013 they sent a bill for Escrow Adjustment, claiming the town sent them a tax bill. I pay my own taxes and insurance, never had a escrow account on any mortgage….EVER…. Reluctantly paid the $17.52 so my monthly wouldn't change, and surprise, now they are billing me anyways. Five calls, on hold each time for over 30 minutes, eventually disconnected each time. Reading all the problems doesn't give me a warm and fuzzy because i'm selling my home this spring. Not only am i not paying these bogus charges, any hint of problems and i'll contact state consumer protection.

My loan was recently transferred to Ocwen late in 2013 from Chase. A couple months ago Ocwen requested proof of insurance which I provided and also received a letter stating everything was in good order. Just last week I received my escrow analysis with new updated numbers with tax info and new payment amounts. Ocwen added on my property insurance premium to my escrow balance. So basically they added in my premium for insurance to my mortgage payment. I already pay for my insurance on my own monthly and never told Ocwen to add it. They said I would have to write a letter to have it de-escrowed. I told them I never authorized the change and added it at will and they need to remove it. The person from the 800 number in India then said "I will transfer you to my supervisor" and put me on hold and never returned.

Since 1/3/14 they do not accept any payments prior to breach letters, they don't even recognize that you are in process of review for modification. They act like you haven't paid for months. Had to pull out online payments confirmations they sent me to prove that I have been paying, all representatives have a thick accent that can't be understood. This is a trap to make you misunderstand. They also make appointments with account specialists after your breach letter date. When I mentioned I was working with Keep Your Home California, he asked me what that was and why were they asking about the loan. I asked if he was serious? This is horrible.

OCWEN offered a relative in Washington state a loan modification. Dropping the Principal from 239000 to 199000 with a 2 percent loan with payments of roughly 900 per month. They mentioned a balloon payment in the paperwork but no amount. My relative called and found out the loan would be for 22 years (not 30) and the balloon would be $114000. In a nutshell, my relative would have to pay the balloon either when the house was sold or at the end of the mortgage. OCWEN would also get 25 percent of the proceeds (if sold at a gain). Regardless, OCWEN would still get the $114000. I am not giving any advice to my relative other than OCWEN has a history of being underhanded and they continue to "bend" the rules. I would avoid OCWEN entirely.

Ocwen is having an India call center conduct their short sale. The only thing they keep doing is telling you 24-48 hrs and we have an answer after all required documents are submitted and 9 times I had to email them the same papers and 9 times I got confirmation everything was received and only at the 9th time it seemed they really uploaded them into the system. All the employees keep doing is telling you to be put on hold and after 4 months of waiting and getting the same B.S. I told them that all they do is put you on hold, wait and tell you 24-48 hrs. Supervisor request to call you or if you get them on the phone will result in NO return call or a person stating they are the supervisor and the next week another person will tell you that it wasn't a supervisor you spoke with.

My Mortgage and Home equity loan were transferred to Ocwen in December 2013. I was in the middle of settlement process of my second loan with Indymac and have to start this process all over again with Ocwen. Terrible experience!!! Mr. Jay ** represent himself as an account manager. He called me few times and could not provide any details on my account or provide me with a settlement documentation, saying that he requested to be sent it to me, but doesn't know why I haven't received the agreement. I did send few requests to ombudsmanweb@ocwen.com as stated on Ocwen website, still no response. At this point, I don't know who to contact and how to resolve this issue.

They called me at 7:30 on a Sunday night a few months ago to tell me they increased my escrow to include a cushion amount so I requested a copy of the escrow analysis and my original loan docs. This was well over 2 months ago and I just got the escrow analysis (which they sent certified mail and are charging me $6.93 for the cost) but I have not gotten the loan docs yet. I tried to make a payment over the phone tonight because you can't change the amount of the payment on line and I refuse to pay this cushion until they can prove I have to because it has to be stated in the original loan docs that I am required to pay a cushion and the maximum allowed by law (which I have never been required to do before and this is the 5th company servicing my loan).

Originally my mortgage was with GMAC and sold to Ocwen Oct. 2013. I received a letter stating I had a few extra dollars in my escrow acct and Ocwen would send a check. I called Ocwen and spoke to an emp as I wanted to send in extra $ for my escrow acct to keep my mortgage payments at $1821.10 around or about. I was told the diff would be app $1200. Well I was told to wait till Ocwen did an analysis 5 days Well I call back and was told that Ocwen didn't do an analysis and the payment would be the same. I spoke to many customer service folks, some sounded like they were working from home whispering.

Went to pay my account and it says it is closed with amount of zero due. Call and can make payment on phone but not online?? Phone also said zero due amount actually due on Jan 1, 2014. Have called the people on several times and get runaround and no answers or callbacks or papers. Also always saying no insurance and carry my own and pay my taxes myself for no rip off. This company is worse than GMAC ever was. But they ripped me off so many times and loss of unknown extra fees.

Whatever you do, don't get a mortgage from this company. If they don't receive a payment (even if it is during THEIR grace period), they will call you at work all day from different numbers, then when you try to explain that they probably already have the payment but just haven't posted it yet (that's a whole other story), they can't understand you because PHH MORTGAGE hires really stupid people that have no training. Most ignorant employees on earth.

On December 12, 2013 I made my monthly payment of 1,103.32 online...My bank sent a notice a few days later that my account was over drawn. I couldn't understand what happened.I called my bank and they noticed that Ocwen took 2 payments (2206.64) without my permission. I called them and they said that there was nothing they could do. The bank charged two 35.fees ($70) plus $5.00 per day until the overdraft was covered. I had no money for Christmas. They told me they would put it back but they lied and never did I had to borrow $800.00 to make up for the money I lacked to pay two payments. Now Ocwen said I have to pay another payment for January 2014. I can't pay another payment and I have no one to borrow from. What is my legal right or don't we the American People have rights any more...

Ocwen has taken over servicing of our loan from GMAC in February 2013. Our loan originated with GMAC in 2006. Just a little history, we had a loan modification that was approved in 2009 and behind our backs, GMAC dual tracked us with a notice of default sale that was robo-signed (not notarized properly - notary public and signer were in 2 different states). 2 years later MERS assigns our loan to GMAC (hey I thought that's who we were paying all along?) using MERS assistant secretary and notary public that were both GMAC REO Asset Managers who worked for GMAC. MERS as lender assigns our loan to Ocwen in July 2013 (hey we began making our payments to Ocwen in February 2013 per notice from GMAC).

Terrible customer svc!! I have sent 2 letters adding my name to the account. They never receive them. Very hard to get someone on the phone. Terrible mortgage company. But then again aren't they all??

It is my opinion that everyone that has been forced to deal with Ocwen and their unfair and deceptive business practices should review the latest nation wide settlement with CFPB. Its part of the DODD FRANK bill. The federal gov. is finally doing something. After litigating with them for four years they transferred my loan servicing to Nationstar mortgage a company in Texas across interstate lines along with a 50,000 dollar debt they compiled from force placed insurance, inspection fees late fees, administration fees etc. They have been granted some form of immunity? I guess they are too big to jail. I am still in my home for now? My attorney is not cheap. I hope this information helps a few people. Good luck and God bless.

I had a modification on my home, through Homeward, with a 3% interest rate maximum. My payments were not exceed $625.00 per month with a balloon at 20 years. I had an attorney, Department of Finance, and HUD executive look at the loan before I signed it. They all agreed that the payments included, principle, interest and insurance, land taxes. I felt satisfied that my budget as a single Mom and single income family would be able to pay this. I was with Homeward initially. Without notice Ocwen began sending me personal document information, that I thought had been pirated by them 7 months in to the loan.

I have sent in my paperwork dozens of times to no avail. The response I get is "we need more information" or "we don't have it". You never ever speak to the same person and the ones that you do speak to doesn't understand what you are saying. I had one person to tell me not to send in a payment that my acct was in review for mod, the next time I called to speak with them the person said why would they tell you that. This has went back and forth now for 1 year and half trying to get something straightened out.

I am an attorney representing a homeowner that Ocwen has tried to foreclose on. The homeowners have been given the runaround for several years by Ocwen. I just want everyone on this forum to know that on Dec. 19, 2013 the federal Consumer Financial Protection Bureau, along with the Attorney Generals of 49 states (not Oklahoma) reached an agreement for judgment in a case they had filed against Ocwen for numerous unfair consumer practices in their mortgage servicing. A Consent Order was filed in the D.C. District Court, which requires Ocwen to hand out $2 billion in principal reductions on mortgage modifications for customers at risk of foreclosure, give $125 million in payments to those who already lost their homes to foreclosure, and to reform their future servicing practices, which will be overseen for compliance by a monitor.

I had filed Chapter 7 on my home in 2010 with INDYMAC Mortgage Services. The old information which is no longer accurate, was transferred to OCWEN as an open mortgage account, even though Bankruptcy was 4 years ago. MY credit monitoring alerted me, that a new account was open under my name in November 2013. I checked out my credit report to find OCWEN, opened a new mortgage that was discharged in Bankruptcy Chapter 7 back in JULY 2010. I have sent OCWEN my Chapter & bankruptcy papers of 2010. They must remove the credit account they opened in my name without my permission. I spoke to my lawyer. If they do not reply soon, I will be opening a lawsuit in court.

My loan was acquired by Ocwen from GMAC. I have a fixed rate mortgage. Each month Ocwen attaches additional unexplained fees. Even when I call and inquire, they can't explain the fees. Once they mistakenly applied my mortgage payment to Escrow and then proceeded to charge me a late charge. The customer service is terrible. It's impossible to escalate to a manager.

Still working on it. Ocwen is a predatory mortgage lending company. Those letters that you get saying that you’re late on payments. Later on when they take your house and they will. They use all that to foreclose on you. These people are a company that steals everybody’s land, house, etc.

Mailed payoff to the same account as usual on bank. Rec'd the check back with letter stating they were not my mortgage company (same company who mailed me payoff amount??!! and payments for the past year or so when sold to them from GMAC). Mailed payment again to another address. Balance was satisfied. I wrote an email I was having to pay additional per diem for the days extra for payment not applied and felt this should have been refunded to me. Wasn't. They were kind enough to email me several times assuring me issue was being addressed and then finally a detailed letter receipt of balance had been received and loan satisfied. Still, uncertain why check was not accepted when was sent here for many payments prior.

Tried to make an online payment and was told that acct. was closed. Went to Ocwen website and tried many times to access.... could not access and make payment due... Called their 800# and got some bimbo who could only stick to her script till I told her that I wanted to make my payment that was due on the first of Jan. I had to give her all my personnel data that they had on file again. She said that the payment would be withdrawn two days later and that was 5 days ago..... not happened yet! This bothers me because we've had this account for ten years and never not paid ahead of time and this is with being in bankruptcy until 2012..... never late. We now are under contract to sell and I don't want my credit hurt because of this. I can't afford to have my credit worse than it is and cannot afford to pay higher interest because of this. This company needs to be punished for their uncaring attitude toward their customers. Thank you for listening.

My mortgage was assigned to OCWEN when GMAC filed for bankruptcy. First of all, this company is a total screw up but not only do I blame the foreigners that's attempting to assist you, I lay blame to our illustrious government agency Freddie Mac who keeps assigning our loans to them. They need to do their homework on these guys and stop throwing business overseas. These guys aren't a mortgage company. All they do is service loans and act as a collection agency, bad move on our government's part.

These ** call my husband out of the blue and tell us we're 3, almost 4 months behind on our mortgage.... no letters, no calls, no emails, NOTHING prior to the call! We told them we'll have the entire balance (both past due, current & next month) within 2 weeks... IN BROKEN ENGLISH.. "If the balance is not paid in full within 3 days, we will start the foreclosure process." REALLY? Where the hell were the calls, letters and emails? I'll take blame for not monitoring my bill pay & bank balance but damn, they're not even trying to work with us!

All I have to say right now is Ocwen is a financial predator. Their goal is to take people's homes and sell them to investors. I have been notified that I am part of a class action suit against them. Go to the Better Business site under their name.There is a national alert on them. They have been accused of charging illegal fees and illegal foreclosures. I hope we win. They are now trying to forclose on my house after I sent them the money to reinstate my loan. They sent two of my checks back I have not received the third check yet. They want to frustrate you until you give up on your home. The FBI needs to get involved. I live in Virgnia.

I was not allowed to use online services for my statements, charges, and payments. I believe this helps Ocwen from keeping customers from reviewing charges and making sure payments are posted in real time. Apparently this is a carryover practice from Saxon Mortgage - online payments are "free," hence, past due customers are "charged" telephone speed pays in the alternative. Customer Service (India?) told me I couldn't sign up because I was in "collections."

My husband & I are trying to close on a property & found that Ocwen has tied up the closing. We have a deed of trust with a mortgage company as the lender who in turn sold this to Ocwen without our knowledge or consent. This shows up as a second mortgage with a zero balance due. After repeated calls from us & the closing company Ocwen is stonewalling us in obtaining a letter that will clear the title. For each call made to Ocwen, we get a different response. No response has been helpful. They are the worst to deal with. Customer service is an oxymoron. Apparently, title companies & real estate companies dread any dealings with this company as they will never be of any help obtaining what is required. I believe they are also affiliated with U.S. Bank. Not good. Stay away from any dealings with Ocwen. They have the power to really interfere with your finances without your knowledge.

We are in a Chapter 13 bankruptcy case and the only left was to bring our mortgage payments up to date. We did the modification and our trustee made all our trial payments. After we received our permanent modification papers they had sent them to the trustee and the trustee began discharge of our bankruptcy and notified Ocwen of the last payment to be made by him will be December and we resume payments starting January. Ocwen is telling us that they haven't had a confirmation from the trustee to proceed with the modification and tells us that they cannot apply any of our payments made by the trustee to our account that it goes in Suspense and we have to pay our December payment on our own.

My loan was sold to OCWEN only 6 weeks ago. I had terrible trouble getting my payment info set up, the website is pretty but not functional and support India is not helpful. Finally, I was able to figure it out on my own. Then I received my Escrow analysis. According to OCWEN, I was $3,000 short... WTH? At the end of the year, I usually have a shortage of a couple hundred dollars. No big deal but now that OCWEN has my loan, I'm $3,000 in the hole? That's six months worth of ESCROW.

My loan was ensnared by OCWEN when GMAC failed. My credit is perfect as well as my payment history. OCWEN in a few short months has taken a 15 year 4.875 percent loan that only has 4 years remaining and screwed it up! Payments and principal are incorrect and do not reflect two months of payments. Payments under GMAC were drafted from my bank account 15 days early... OCWEN shows payment dates drafted in the grace period. No one to go to for help.

I pay my mortgage by autopay every month. Yet, for the past two years I have been paying a late fee of $21.29. I am still trying to get this issue resolved.

With me its insurance, how many times must it be sent in???? Also why aren't the mortgage statements sent in a timely manner - & talking to Skippy/Chelsea, etc., etc. in India who will not connect me with a native speaker- damn glad I don't run my business in such a manner. Now ended up on this site-thank you god not alone with this crazy company. Thanks to all for expressing their distaste because Ocwen does not care - just show them the $$$.

I have 2 mortgages with Ocwen, and every month I put more into my principal, but they put in the "other". I called and complained, and they said they will refund the money. Once I cashed the checks they actually charge me more because they said that check is the agreement to buy "home warranty" which is their tactic to steal money from you. They charged $250 on each of my mortgage by charging $25-$50 every payment which if you do not pay attention. Please watch your statement like a hawk because they will do everything to steal money from you

I tried to register online and was supposed to receive an email with confirmation of my registration. I called and spoke with a rep in India who I could hardly understand. His suggestion was to write an email to 'websupport'. All of their correspondence (regular mail and email) indicates they are a debt collector and my mortgage is always current - i.e., never a delinquency. Is there any way to confirm the legitimacy of this organization and to demand they have the proper documentation that validates my mortgage? If they cannot provide confirmation is there any way to invalidate my mortgage with them?

I am surprised by a lot of the negative comments. When dealing with businesses, you need to be your own advocate and follow up on things. My loan mod paperwork may have been lost at first but it was straightened out quickly and the process, although it took some time, went smooth and only one customer service rep out of many frustrated me.

Ocwen acquired our loan from Litton 3 years ago. It has been an absolute nightmare since. I pay my mortgage every month but they claim I am a month behind. I send all the proof - check, bank info where they got the money, etc. - but they still claim I am behind. Once, they put it in to their "research dept"- when I got no word in a month, I called in. They couldn't find the claim or paperwork. And the endless phone calls - day and night. To inform us that our payment is late - even though I have proof of every payment, to tell us we have a payment due in 15 days, to ask if we want to pay on the phone and get charged an extra $19.95 to pay on the phone. It is crazy. They even called me one Sunday morning at 7:00 am. IF I ever get all this straight, it would be miracle. Can no one stop this company??

I applied for a modification in 3-2012. After I was told to not send a payment while waiting on my answer for 2 months. In June, they assigned a new person to my case. He advised me they were gonna foreclose on me in 12 days. I explained why I hadn't sent anything. So I sent the 2,000 dollars I saved up in those months. After faxing and refaxing papers, I finally got approved in Dec. 2012. They said my payment would be $434 a month and included my property ins. and taxes, I was thrilled. I asked for how many years. The man said 30, then there is a 62,000 dollar balloon payment. I advised him I didn't want it. He said then to keep making my normal monthly payment and continue to pay my homeowners' and taxes as I always have which was not included in my normal monthly payment.

So I call today, to see why my payments I made are in suspense on their online site, because I have not received a bill yet. Good thing I did because my payments I have been making to them, they haven't been applied to my loan. I was in shock, very, very upset. I stated very loudly, you mean to tell me that I have been making my payments and it has been weeks ago and you guys have taken it out of my account but yet haven't been applying it to my loan, in which case you guys not doing your job is causing me to be two months behind and another week would have been three months which then they would shoot for foreclosure and sending me all these threatening letters plus certified mail which I was charged for is all by you guys' mistake!!!

I received a letter from Ocwen in July 2013 saying I had $1205 in an escrow surplus. I was already behind a month or two when I received the letter but no check. I was told I could use the surplus to cover the mortgages for June and July along with paying the difference to make it 2 complete payments. I did that only to receive a letter in August saying I was now 3 months behind. I spoke to an operator who told me the transaction was incomplete and I would need to do it again, which I did.

It appears Ocwen has now included mortgage reductions after losing government lawsuits and having it forced on them. It appears meaningless given the modification terms that go with it. HOMEOWNER BEWARE OF NEW OCWEN/DEUTSCHE BANK SCHEME - I received a modified loan proposal with VAGUE TERMS. On face value it appears I am successful, on inspection, it appears to be ANOTHER SCAM.

Since our loan was transferred in July, Ocwen has been a total nightmare, broken promises after another. Send me info to participate in the 2B settlement.

Ocwen filed foreclosure papers for my home in July 2013. In their complaint, there was an assignment of mortgage exhibit document signed by known robo-signer Victor **. I have contacted an attorney so that this may be brought to the attention of the judge. How can they submit fraudulent documents to the court and think they can get away with it? I have also requested that they produce "the note" as I would like to know who I owe this money to.

I have a compound loan meaning that Ocwen takes money out of my mortgage to pay for my taxes. Now I found another lender to take over my mortgage. But Ocwen says I owe them $7500 for taxes they paid. Now if this is a compound loan why do I have to pay Ocwen anything. They never told me nothing about owing them, no letter, no call, no e mail, and now they want to add on an extra $300 attached to my mortgage payment. Not right! They know there's a problem but won't fess up to it.

This company (if you want to call it that) acquired my mortgage back in 2007ish. Since then I have had nothing but headaches with this company. In the summer of 2013, I was not notified that I was behind on my mortgage. No phone call, no email, no letter, no form of communication whatsoever. As of today when I try to get information out of them, I am told that we cannot answer for certain reasons (for which are of a personal matter). Now I could be in the start of the process of being foreclosed. Every time I call them I am put on terminal hold, and can't understand the person on the other end of the phone. And to set up appointments to talk to a representative instead of handling it right then and there is not a way to do business. How this company is operational is beyond me.

I am having the same issues with Ocwen as everyone else. I missed 2 payments, 2 years ago, for a total of $2000 and I never missed a payment again or was I ever late in 14 years. I had asked them to put it on back of my loan or do a modification and they keep refusing me. Instead they keep charging me late fees, every kind of fee you can imagine, even charging me for guy coming out taking pictures of my home and say I am in default of my loan. Every time I try to talk to someone, they are in India and I can't understand them; they say they will have someone from US call and no one ever does. Help!! They are so unethical. I have also heard that they have foreclosed on people that were just getting ready to close on their homes. People actually were selling their house, didn't owe Ocwen anything and they are foreclosing on them! How can this happen. I have complained to housing authorities 2 years ago and I see nothing happening!

Ocwen recently got the transfer of my mortgage servicing. First, it is important for you to know that most of the work force for Ocwen - is offshore. St. Croix and area like that, because it is cheaper for them... That alone is wrong. Getting past that... They got my loan in November. It took about a month or so for all the information to get absorbed. I was in foreclosure with IndyMac Mortgage Services and they denied my modification requests 3 times. I applied with Ocwen on November 25th and was approved for one of their in house modifications with a more than manageable payment. They gave me a Shared Appreciation Modification.

My mortgage was sold to Ocwen from IndyMac Bank. Ocwen representative offered mortgage modification and asked all my financial and identification information. After receiving all my info, they declined modification. When I asked about the office location, he told me that their location was in India. I think Ocwen collects American citizens information to foreign developing countries and they don't have any intent to help American homeowners.

Ocwen has recently taken over my mortgage that was once GMAC in Sept. of 2013. I have been harassed with letters stating I'm behind in my payments. I make my payments every month. They sent me a letter stating I needed to seek housing counseling. So that's exactly what I did, explained to her that Ocwen says I am behind in my payments. She asks “How many payments are you behind?” I said “None. Here are my payments made, dates and confirmation numbers.” She said “I don't understand why you are here then.”

Since my loan servicing was transferred to Ocwen in July, life has been hell. I have 20 years experience in the mortgage and real estate fields, including servicing and default, and have never seen such blatant abuse of mortgagors. When the loan was first transferred, Ocwen did an escrow analysis (Chase did one 6 months ago) and they charged ME $75 to do so!!! I have NEVER seen a fee charged for this, especially since it is not something I asked for and it had already been done recently by the previous servicer.

PHH is my current mortgage holder (they purchased mortgage from Schwab Bank) on my 5% home mortgage which has a perfect pay record. I have lived in this home since my purchase in 1988. I received a letter specifically addressed to me advertising improved rates and specifically my eligibility. Because of a previous negative experience, I had my wife call to see if rate and term can be reduced. After the usual run around we decided not to go through their application torture. Imagine my shock when I receive a loan packet with a GFE (good faith estimate) legal form saying I qualify for a 23.99% 15-year loan which raises my payment from $1851 per month to $6723 per month and costs $10,000 in closing costs!!!! I am a retired senior citizen with a perfect mortgage payment record, have owned numerous properties and have never personally seen a more devious company. I feel that this company has attempted to defraud me. I strongly recommend avoiding any contact with this group regarding mortgages.

I am and have currently contacted BBB, FTC, the company my ATTORNEY GENERAL of NC, and I am contacting GMAC. They are not working with me to stay in my home. They will not take my payments I have tried to send into them as soon as I have gotten money I have sent it. Then find out they refused three payments - two from MoneyGram and one money order that I know of so far. One money order I sent twice they mailed it back to me. The late fees have added up now to over 125.00. They have refused money. I should not have to pay late fees. As well I had to pay to get the MoneyGrams, order to begin with then had to pay again to cash them out and then resend it as a whole. Three times it cost me to send it that comes to over 100 dollars thus far.

I recently purchased a house. Our first payment was with the local bank. The local bank then sold our loan to Freddi Mac who transferred the servicing to Ocwen. I made the second payment fine. Then I decided to sign up for automatic payments on Ocwen's website. BIG MISTAKE!!! Do NOT enroll in automatic payments, pay the old fashioned way and document/record everything. The third month, December, I had a mortgage payment of $1,100 due. No big deal right? WRONG. Ocwen withdrew $3,300 from my checking account!!! Wiping out my checking account and causing me to incur an overdraft fee---the first overdraft fee of my entire life. These idiots then sent me a paper bill stating that my payment was late and they charged me a $40 late payment fee!!

I initially had my mortgage with GMAC (they were wonderful). My mortgage was sold to OCWEN (I'm very unhappy and disappointed). Through a phone call to OCWEN, I spoke with one of their very nice reps who set up my account for the automatic monthly withdrawal. She repeated to me at least 3 or 4 times everything that was going to be done. I gave her a specific day that I wanted my mortgage to be taken from my checking account every month. This was done in August 2013. Well, since the September payment started, it has been taken out on the incorrect day!!! I've made probably at least 7 phone calls to very nice representatives who are trying to help me figure this out. They have to listen to me rant about my account, when they had nothing to do with it. But because I am so frustrated, they have to hear it all.

Like most of you, He has no results and keeps getting told and keeps getting letters that he has been denied, being reviewed, checking to see if he was legally married, to see if he had a job, that he was supposed to get the "Packet" that never comes. What is their problem? If he doesn't get this tied up before the end of 2013 he will owe $30,000 in taxes.

Fear is a big factor and we can’t live in fear fight back. Demand to see your note. Get a securitization report to see where your chain of title was broken bring that to court and over 95 percent of all loans aren't worth the paper their made out of. And that means the people who are servicing your loan don't own it or even have any right to take your money. He might be working for Fannie and Freddie.

In researching my loan with Ocwen, and in regards to the request for a modification. Found out that my loan is with investors and that they don't participate in the mod nor harps Govt backed programs. Also in the letter I received stated: The owner of my loan was Residential Asset Securities Corporation home equity mortgage asset-backed pass through Certificates Series 2004-KS1. In other words my loan was bundled and sold in series according to yr, and that a trustee was appointed to oversee my loan. Bank of New York Mellon Trust Company, N.A. Therefore, we are in trouble with getting assistance. Further research revealed that some co. called Ambac Assurance corp. The only people seemingly to speak to is in India, unable to understand due heavy accents... We are in America and do need assistance. They went up on my loan payments.

I have been battling with Ocwen for the last TWO YEARS on exactly the same issue. Our loan came from Litton to Ocwen in September 2011. It came over with about $28,000 due in late payments, no payments, etc. That's when the fun began! I immediately sent in my statements from Wells Fargo showing the ACH payments to Litton. They stopped accepting my payments in February 2012. Since then, it has been in "Research". I consulted an attorney who advised me to continue to send in the proof every time I get a response from them. No one reads the bank statements, no one even reads the letters. I have made a little progress recently so below are my recommendations:

Have been working to get a modification for about 2 years now. I was told I was denied for a HAMP but no reasons were given. I have since formally requested the information and disputed this with them. Will also call the HAMP hotline. Got approved for an in-house modification which is NO modification whatsoever. House value - $200,000. New proposed loan amount - $334,270.32, interest rate 4.12596%. So, their idea of a modification is to keep a borrower under water and set them up for failure...nice?! And, they are requiring me to make payments by phone with a $19.50 fee each time - these crooks!

I used to be able to pay my mortgage several months in advance with CHASE. When I was switched to OCWEN, I was told that I could only pay 2 months in advance. I have a fixed rate mortgage. Why this stupid policy? I would like to pay my mortgage 6 months in advance so I won't have to deal with recurring bank charges.

Where do I begin????? My Mortgage was with AHMSI and was bought by Ocwen in March 2013. I have had a problem with them EVER since! My fees look inflated and they are charging me some type of monthly inspection fees which I never heard of a company doing this. I have read several posts about OCWEN and the majority of what is being said applies to my situation. Again from the $10.50 inspection fee (which a person drives by or stand in front/side of the property and take a FREAKIN picture) to not applying my payment to my account, but sending the money back saying I have not "Cured Demand". I have sent Ocwen in the last 2 months over $3,000. They call me at least once a week, saying that I have an outstanding balance. I am so sick and tired of them!!!!!! I have now contacted the Massachusetts Attorney General's office for help. OCWEN business practices are for the birds and they need to be shut down!!!! WHEN WILL THE LAW SUIT BEGIN?????

I have exactly the same problem with Ocwen for the last 2 years!!! I have sent them bank statements 3 times - no one bothers to acknowledge them. Now, after 2 years, they want to foreclose! This company should be put out of business.

I have recently completed a Chapter 13 Bankruptcy. My Mortgage was being paid through the Trustee’s office. For 5 years, I never missed a payment to the Trustee. In March, GMAC (the Mortgage holder) declared for Chapter 11 and my Mortgage was taken over by Ocwen. While still in the active Chapter 13, they (Ocwen) continued sending me a monthly statement with the acknowledgement that I was still in the Chapter 13. I finished the Chapter 13 in August and the Trustee issued a letter of discharge to me, my Attorney and to Ocwen. Ocwen has acknowledged receipt of the discharge letter. I have called them at least 4 times since August requesting a statement of account status and showing that a payment I had made to them in Sept. had been credited to my account. They have not sent me a statement since Sept…

Our mortgage was bought by OCWEN in August of 2013. For the whole 2013 year, we were struggling with Chase because they had "lost" 2 mortgage payments which are btw made electronically every month from a Chase account. How can you lose 2 electronic payments? When OCWEN started to managed our loan, they told us right away that we are 2 months behind. We explained that we made the payments but they (Chase) cannot find them and we will be happy to give them all the proof. They had required 12 months of proof at which point we sent them 15 months of bank statements proof.

I have had issues with OCWEN on many occasion, but the loan modification process started off horribly for me. I originally started the process in May of 2012 and sent the required paperwork in on 4 different occasions because it always seemed to be lost in transit, although my cashier's check was received and cashed (happened to be in the same envelope as the documents). By June of 2012 I was denied for the HAMP, so they processed my case in house. I heard back from OCWEN via USPS in late June of 2012. I had indeed been approved for their in house SAM modification. Principal loan reduction of $131,000.00, 2% interest rate for the life of the loan to start in September of 2012 and a monthly reduction in payment of approximately $700.00. It cut my mortgage in half, including impounding my taxes and insurance. Sweet deal, so I sent in my modification payment, notarized all of the paperwork and the loan was booked (as shown in OCWEN's online system).

Ocwen had purchased my home loan about 7 months ago from Chase Bank. The company has changed my loan to various companies within Ocwen three times in this seven-month period. In doing so they, and quote - will kick my loan out of the system and not permit the payment to go through, even by phone, because of the transition into the next Ocwen company. I have been charged a late fee this last time of $70.00 because the transition time ran to the 21st of the month. I have spent endless hours trying to pay them and also resolving this late fee but to no avail. I might add that numerous loans of mine have been purchased by Ocwen in the late 90s and they charged late fees by not posting to my account for up to three weeks after my checks to them had cleared. I was part of a huge class action lawsuit against Ocwen of Texas by consumers' and the govt. They lost and awarded settlements into the multimillions and was fined by the U.S. reaching millions of dollars. I have sent complaints to the Attorney General of Colorado. Also am going to refi to get away from Ocwen's poor business tactics but have no guarantee that they won't buy it from my lender and am stuck with them again.

My loan from 2006 was sold from IndyMac to Ocwen this month. I paid my loan amount on line (IN TIME) and yet I received a late payment letter stating I owe them $10.98 in late fees. When I call to question why I was being charged the overseas customer service rep told me nothing reflects I was charged a late fee. She confirmed their late fees are $42.85 so I must owe a late fee from my previously lender. This is bogus as Indymac's late fee is $5 (A BIG difference between $5 and their $42! ) plus I was not late nor am I late with my payments! She told me there wasn't a late fee so I left it there.

Ocwen Loan, LLC acquired our loan in October 2012 from another crooked company called Bank Of America. We were not even aware that our loan was being sold; however, we were made to pay astronomical fees and charges to Ocwen in order to get our loan in good standing with them. We made progress with them only because when we were sold to them our attorney represented us. So on October 8, 2013, we asked them for a pay-off amount and to also state how long that amount was good for. We were sent a payoff quote in writing dated October 10, 2013 that was good until November 8, 2013. So on Oct. 31, 2013, we sent them a certified over night cashier’s check in the exact amount of the quoted payoff. Ocwen received the check and date stamped on Nov.1, 2013 seven days before the quote expired.

Ocwen took over my loan from GMAC. I received a payoff statement dated 8.19.13. I paid off the Total amount, but they kept sending me statements and notices on how to avoid foreclosure. They cashed my check on 9.18.13, but said since it was not an official bank check or cashier check, it did not count, but refused to return my money so I could have it resent via bank check. They said I would need to send an add'l $419.21 to avoid foreclosure proceedings even though I had paid off the loan IN FULL. After I have sent the 2nd check in the form of an official bank check from TD Bank, they are still sending me statements and saying I am in default. I keep getting routed to India when I try to resolve by phone. Every agent gives me a different story. I have my bank verifying that they have processed my payments. If this is not resolved one week from today, I will report Ocwen to the FDIC, SEC, my state governor and congressman. I will also be looking at legal proceedings against Ocwen.

I had a home equity line of credit with Chase bank. The line of credit was paid in full in 2006. Chase 'sold' the line to Ocwen even though it was paid in full and all of a sudden now, I receive a statement every month with a $0 balance on it yet asking me for a payment of $0.00 each month. A lot of information is on the statements and we have enough real bills every month that I asked them three (3) different times to please stop sending these statements, each time I get a foreigner who tells me they will send me an opt-out statement to fill out. Are you kidding me? I freaking paid a loan IN FULL and still receive a bill every month for 0? This is ridiculous. They will not stop sending me these stupid bills, and I am being harassed for a loan I paid in full!

Continuing from a post I made last month which appears below. I have now been given three choices: foreclosure, short sale or deed-in-lieu, for the settlement. After 19 months. These were the original scenarios that they assured me I would avoid. There is an extra $144K now in past dues, and they will not negotiate. The property can support the required payment and they have all the documentation proving this. They always say it's the "Investor's" decision, that I don't qualify. If it weren't for the lates on my credit report from this loan I would. This company's resistance to negotiate and the ensuing financial hardship it has triggered played a big part in the breakup of my marriage and collapse of my family.

Still trying to get a loan modification, one year now trying. Unemployed for 14 months, now working at lower compensation. Getting denied, representatives are in India, cannot understand them. Will not answer any questions directly, talk in "circles". Even though payments were made on time, Ocwen marks them as late, charges late payments monthly, plus a property inspection fee. Requested proof of the inspection fees, they will not give me proof. Finally got a representative in America, questioned the property inspection fee, refused to answer. When explained what was told to me by another rep, she laughed. Cannot get any assistance, all reps speak in circles without answering questions directly.

My mortgage was sold to Ocwen and it has been a nightmare ever since. Not sure how they do billing but I seem to get a $1-$2 check from them some months. Their customer service must be based in India. First level customer service people are never able to help you. And I strongly suggest you look at your monthly statements. Just relived they signed me up with three 3rd party companies for what they call "Optional "services. Extremely shady and very upsetting. I wish I could unsell my loan to them. I would not suggest doing business with them.

We are filing a complaint against Ocwen loan. We were bought out in July 2013. We are 1800 short in our escrow. Our taxes have been paid through March 2014. We were bought out in July 2013. Our house payment with Chase was $1098 for 2 years on a loan modification. We have never had problem with Chase. We have faxed from Chase our tax county assessor's office in Omaha.. Our new payment with Ocwen is $1172 since they say we are short $1800. We are not paying it!

Just this month, my loan got sold to OCWEN. TODAY, I get a letter with the information about my loan and they have added a 10.88 cent charge called a "Collection Charge" to my account. WHY IN THE HE** are these people allowed to continue to be in business other than the sorry government regulation we have in the USA these days?

I contacted Ocwen about a delinquent tax bill I received, that they were supposed to pay. They kept saying "oh don't worry about it, we paid your taxes, just disregard." I kept telling him, the foreign guy, I know you are paying my taxes, it is a tax that was missed when my loan was transferred to you. I faxed over - one person said they had it, another didn't see it. This has been going on for months. Meanwhile my home was sold in tax auction. The guy who bought it just walks in saying he's my landlord! I kindly told him to leave, so Ocwen you have a pending lawsuit. Get ready!

I don't recommend PHH Mortgage co. because it is a lots of unprofessional people working for this company. We decided to contact them about 2 1/2 months ago and apply for a loan. We had in mind to apply for a conventional loan and we told them but they decide it to go for an FHA loan and I do not understand why they did it. But 2 weeks later, we receive a call and some e-mails saying we do qualify for a loan so we start looking for a house and during this time they ask us for tons of paperwork and information. It was so stressful but we decided it to continue with this process. During the process, they stay in touch over the phone telling us everything was going good.

I was transferred from GMAC with auto draft and then get calls from Ocwen telling me I am late when I had no idea who they represent. When I finally devote much time I am finally able to make a payment and (I believe) set up auto draft as that is how I pay all my bills. No auto draft and no contact so I try again 60 days later and they will not accept any form of payment over the phone or online(either credit or debit cards or direct draft from checking or savings). I am told I must go to some Western Union to send payment to some P.O. Box in Illinois. I am 54 years old and have never dealt with such a company that seems to be in business to attempt to ruin credit and create default or late fees only. I have had no other credit issues in at least 20 years but somehow can't find a way to pay these people or figure what their company business model looks like. I am not normally a big fan of class action lawsuits but this should be pretty easy for some group to help get some relief from this Actually evil company!

OCWEN assumed my loan servicing from GMAC and does not mail monthly statements on a timely basis. I was charged a late fee when my statement was not received until 8 days after the due date and the statement was dated 1 day before the due date, not allowing sufficient time to process my payment before the grace period expired. OCWEN said the late fee was valid - accepting no responsibility for mailing the statement late. I reported this to the BBB and am considering also filing a complaint with the FL Office of Financial Regulation. I'm so sorry so many of us are having so many problems dealing with OCWEN.

Ocwen took over my loan from GMAC Mortgage. I was sent a letter saying that my auto draft payments would switch automatically. On Sept. 21st, Sat. 8am, the phone woke me up and it was a company called Ocwen that proceeded to tell me my mortgage payment was late and they wanted payment NOW! I said, "You have the wrong person" and hung up. After waking up a little better, I realized this is the company that took my loan from GMAC and decided I should call them and find out what was going on. I reached their call center in India and they confirmed that my loan was past due. I said, "How can that be when I have for the last 12 yrs. been set up on auto draft?” (Never been late and always pay all my bills on time. Great credit!)

My Indy Mac mortgage service was transferred to Ocwen 1 week before the payment was due. Bunch of paperwork, but came with a pre-addressed payment slip and envelope with no payment amount (I know what I owe monthly). I sent my payment a few days before it was due. Because the transfer was to occur on the 1st, I wanted to make sure they had my info before receiving my payment and I had a 16-day grace period so I didn't worry. It is now the 14th and they say (with a hard to hear Indian accent) that they still haven't received my payment and that it must be the fault of the US Postal Service!! I explain my disbelief because Indy Mac always posted my payment in 3-4 days of me sending it 2000 miles away. The address for the Ocwen center is in the next state over. I was told I should stop payment on the check! I explained that this was BS and that it was obviously a problem on their end being new to my mortgage. He said I could make a phone payment now but if my check should arrive they would attempt to cash it anyway.

Two loans purchased by Ocwen from GMAC. From there all downhill!!!!! Late payment fees for on time payments, horrible customer service (India), can't pay online (sometimes), accounts closed? and on & on! Stay away if you can! & I hope someone files a lawsuit soon!

Dana **, Agent for the Office of the Attorney General, Bureau of Consumer Protection (21 South 12th Street, 2nd Floor, Philadelphia, PA 19107) is investigating my Complaint to have OCWEN Financial Corporation investigated and prosecuted for fraudulent and deceptive business practices, misapplication of customers funds, placing illegal insurance which causes delinquency, charging unjust late fees, inspection fees, and appraisal fees, obstructing refinancing, refusing to identify a mortgage holder, and harassment for more than 500 collection calls during which the account was paid on time every month! I am confident that Agent ** and the Pennsylvania Attorney General’s Office will take action!

We applied for a loan modification around the Month of May. It was approved for three month trial. We complied with the trial and we were told they were preparing the final modification paperwork. In the mean time, we have been double tracked. Ocwen has been sending letters about our late payments. The last letter we got from them said we need it to send them $8000. At the same time, we got the final modification papers. This happened this past Thursday or Friday of Nov 7th or 8th respectively. We had the agreement notarized on Saturday and were preparing to send it today. We read the paperwork one more time to make sure all was in order. To our surprise, the agreement had to be returned early October. Yes we got it a month late. Ocwen was contacted to find out what was going on. They said they have not yet sent the final agreement. To add, we found that MERS assigned our DOT to the trust in June of 2013. This should have had happened in Nov. of 2005. Per the PSA agreement, I do not even think MERS had the right to assign the DOT. The loan should be VOID per New York Law.

Ocwen bought my mother's loan from GMAC and like so many it has been a nightmare. From having to make multiple request for proper mortgage documentation to a "lost" payment that still has not been made accounted for. We asked where did the payment go. We were told it got lost during the transfer between companies (an answer that took about 90 days to get). Needless to say we were not satisfied with that answer. Our faith has been shaken badly and as a senior on a fixed income, my mother does not need this headache because every cent counts. At this point we are looking to go to a more reputable company. We thought we were all alone in this quagmire until I started doing some research. Please help.

We bought our house about 2 years ago. Our mortgage was sold to PHH about a month after we closed on the house. My payment is taken directly from my bank account. They are now calling telling me that I have not made November 2013 payment, in which my bank shows they took the money out on Nov. 4th. Now mind you, the loan is in my husband’s name, and since he is in the Army, he is now out of the country and not so easy to reach. PHH will not talk to me, even though I have a POA. The only thing they will tell me is that my loan is past due, and the amount that they tell me was due is more than what my payment is supposed to be. I ask questions, like how they can say that I haven’t made a payment, and why is the payment amount more than what it is supposed to be. And they say they cannot bring up the loan information and to have my husband call them. I already told them that he is not in the country. After 45 minutes of arguing back and forth with someone who barely spoke English and refused to transfer me to a supervisor, I hung up. I am so ANGRY!!!!

Our home loan mortgage was just purchased from IndyMac Bank. We received letter of notification by mail stating purchase from IndyMac with no details of current amounts due or monthly payments. Nothing sent in mail regarding any amounts due or continuing monthly payment amounts. I then proceeded to check website for Ocwen - I created account for log on. Much to my chagrin, amount for monthly payment indicated by my loan number was twice the amount of my normal monthly payment with IndyMac. I then proceeded to call the 800 number indicated. A man answered the phone and could not at all understand my questions, nor I him. (The call center is in India.)

Decided we couldn't stay in home due to upcoming changes in income and medical issues. Home $50,000 under water. Voluntarily walked away in Aug of 2011. Ocwen is first mtg and had a $40,000 second mtg. Had filed bankruptcy in 2007 - Chapter 13 repayment plan. Discharged October 2012. Sent dozens of letters & emails as well as an average of 10 phone calls a month the past 2 years basically begging Ocwen to start foreclosure as house was sitting vacant (in Minnesota). No foreclosure as of yet. I figured a voluntary foreclosure would move quickly...not with Ocwen. No one ever knows anything. No one speaks English as first language so there is a huge language/understanding barrier -they are all in India.

I was in the process of a loan modification with HSBC. May 1st 2013, HSBC transferred all loans to PHH. My 1st letter from PHH was dated 5/6/13, "Sending this letter in reference to your application for assistance. I am pleased to be your designated case mgr... I am your single point of contact throughout the review process. My direct # is...” Problem? No name was given and no, it was not a direct #. “Our team rec'd your foreclosure prevention assistance. Prior attempts to obtain info from you were unsuccessful.” They just took over the loan May 1st; no prior attempts were made. Then it states my foreclosure date is 1/4/2010. Problem? Do they not know it’s 2013?

I lost my job due to a worker's comp case and was unable to make my payments to PHH. My husband and I were trying to live off his disability but it wasn't enough and I was without pay for about 2 years. I contacted them for help and they sent to a bunch of papers to fill out for a modification which I did. It was a nightmare and when I would call to check on things, they were rude and didn't try to help me at all.

Before my father refinance his houses, I was in the loan of the property. But my father refinanced the the property with Ocwen Loans and he didn't include my name anymore b/c my credit was not doing that good... I look @ my credit report and is showing that I have a mortgage with them. I never signed any legal document. But Ocwen Loans decided to add my ssc as owner of the property. But when my father sign his document, he didn't need me b/c I was removed from the loans. These people are bunch of pigs b/c they are messing up my credit report.

Recently we sold our home. Mind you our mortgage was not held by Ocwen. We were good to close Oct 31st. Then our title company notified us there was a lien on our mortgage. Our neighbors had taken a loan out on their home in 2003 and Ocwen handled their mortgage now. They had overlooked the fact they had placed our lot number on their DEED.. Mind you this has been 10 years.. They will not contact me regarding the matter after several faxed correspondence. Their email notified me I was contacting the wrong address. So being helpful they gave me their customer only email to contact. The run around game.

Once again I am posting and have read even more horror stories! JP Morgan did a Mod and government forgiveness, locked at 2%. 1st payment - Chase called to inform me the loan had been sold, make the payments to Chase as the files are being transferred to Ocwen. I have been making my payments and payments have been lowered then raised (???) with STILL no paper work, months after the fact now. WHERE IS MY PAPERWORK????

I have a home in NORTH CAROLINA. After paying on it, for over 25 years never one late payment, my husband passes away. My home now, paid in full, has been picked up by OCWEN?? THREATENING LETTERS, PHONE CALLS all hours of the night day even at work?? What can I do to stop this company that does hardly speak any English at all. Now they have my home from 1986 at a price of over 2 hundred thousand dollars with it listed as foreclosed! Recently I filed my insurance for vandalism. Because the contractor did not put the total of amount of work, OCWEN refuses to pay even half of the work that has been done? DOES ANYONE KNOW WHO WE GO TO HOW TO FILE A COMPLAINT ON OCWEN??

My mortgage was sold to them this summer by GMAC. And ever since then it's been a nightmare. I've been paying this mortgage for 8 years with different companies (as it kept on being sold), and never had any issues. Ocwen started off with a dozen threatening letters that they don't have my home insurance info, and they need proof, or else they will purchase one (much more expensive) for me and make me pay. I sent the proof -emailed, faxed, filled out a form they provided online. I got a confirmation from them by email that they received and processed my insurance info, then I got a letter confirming the same. Well guess what? This was at the end of September. Now is November and I received a certified letter from them stating that they have NOT received any proof of insurance and therefore proceeded and purchased one for me!

As a customer of Ocwen I have fallen behind in my payments over the past year, paying after the 16th of the month. Ocwen has proceeded to charge me a property evaluation fee just about every month that I have gone over my grace period. To have to evaluate the property every month seems to be a method for Ocwen to increase their income and has nothing to do with actually valuating the property. When asked to see the property valuation, I'm told that it's only for internal use. Well if that's the case I should not have to pay for a service I can't use, let alone see myself.

Ocwen Loan Servicing took over my mortgage from Homeward... not sure why... I have excellent credit and we pay on time monthly and always have. The interest rate of the loan is 6.99%. We purchased this when the economy was at the best paying why too much for the condo. We hired a lawyer to conduct services with Ocwen to see if the interest rate can be lowered and to my knowledge this can't be done and Ocwen will not lower the interest rate. All I get from them is to refinance the home. Oh but wait THEY DO NOT REFINANCE, is what the rep has told me.

Ocwen Loan Servicing LLC issued a statement on my mortgage account showing my account as delinquent when it is not delinquent nor has it ever been delinquent during the time it was with GMAC/DiTech and since Ocwen took over servicing the loan. The false delinquent status of my account is keeping me from securing refinancing for this loan to get away from this horrendous company. I am also receiving debt collection calls from Ocwen's bill collectors who are incapable of understanding that I am on a biweekly direct debit payment plan and that is why there is not one payment in full by the due date each month.

There definitely is a language barrier. It seems like they only stick to the script, making you answer questions that are not relevant. I called to see if they had my delinquent tax bill info (that they should have been paying all along) with escrow acct, but they kept telling me it's taken care of while I'm looking at the past due amount, which I faxed over. They are the worst and they say your name at least 15 times during phone call not resolving the issue. Taxes still unpaid.

My loan was recently sold to Ocwen Bank from GMAC. Earlier this month, I received a pre-foreclosure notice from them. I have been calling them for several months now for a solution to get the mortgage payments caught up. Unfortunately I am going through a divorce and trying to do all of this on my own to save my home. This month, I attempted to make a payment online. My account had been locked out. They said I needed to send certified funds - cashier's check, Money Gram, or Western Union. No problem. I attempted to pay twice using Money Gram's online system. The payment was rejected by Ocwen both times. I called back and she said I need to go to a payment center.

Ocwen took over my mortgage from American Home Mortgage. Letters came written in such a manner suggesting that I was in foreclosure as a foreclosure agent would be in touch with me shortly. All calls came from service centers in India. When I respond to the calls they ask me to provide my SS# last four digits. The information they give on why I got the letters varied from rep to rep. I did get calls daily. After many hours on the phone with these people, I was assured that I would be taken off the list of daily calls. Every time Ocwen called, we went over same info... No, I am not in foreclosure, I am paid a month ahead, why am I getting calls. For two months, this went on... I finally made the no call list. Then they want me to fill out a form as they need to make sure my info is accurate. I have asked for copies of my original loan documentation... This was last June... I am still waiting.

Ocwen Loan took over my account from GMAC two years ago and each year I received a notice from my insurance company of nonpayment from Ocwen and each time I had to call them to let them know they were responsible for paying my taxes and insurance from my escrow. Now I just received a letter requesting me to fill out a W-9 to verify my information and send a copy of my social security card and all the rep could tell me was they needed it to verify who I am. Yet you have to put your last 4 of social when talking to them. I don't understand why they request what they already have and why I can't get a English speaking person. My insurance agent called them and was told the payment would be sent FedEx overnight but it took 10 days. My insurance was cancelled but then reinstated. I hope this won't become the norm for Ocwen.

I first had my mortgage with GMAC lost my company 35 strait trucks due to economic collapse. Finally, got a decent paying job and GMAC did a loan mod that was decent. I had a recent hardship and missed 2 months. Ocwen can't speak English I understand. In 2 days, I will be past 90 days which they will start foreclosure proceedings. They won't give me any leeway whatsoever. I even told them I can make back, back payments and get caught up. They insisted that I give them my routing and account # Ha ha ha, yea right.

Have been trying to modify my mortgage to a lower interest rate so I can afford my mortgage and keep my home. Have never been late on a payment, even doubled up some months, then I lost my job. I was "granted" a forbearance program. I made every payment on time, but I was charged a late fee every month, plus a property inspection fee. When I question the inspection fee, I am told they hire a "preservation" company to drive by my home. I asked for proof of these "drive by's" and they cannot or will not give them to me. I asked, “Since I have to pay for this inspection fee, I want to see the inspector. I want them to stop by and knock on my door at the next inspection.” Ocwen says that cannot be done.

Terms In the 2nd month of a modification with JP Morgan Chase, my loan was transferred, sold (?????) to Ocwen I made my last payment to Ocwen sealing the deal. OR SO I THOUGHT!!!!! Now they, Ocwen, is telling me (I have all paperwork) I have to go through their process. They have been/are trying to raise my % rate as well as I have no contract from them. Just calls and foreclosure letters (?) based on the load before the mod. With JP Morgan Chase. Ocwen said/told all by phone. I've been told to make the NEW lower payment on the 1st of November. With no paperwork in my hand (??????) showing me what the terms are (?) AND by the way I have/had a CONTRACT WITH CHASE!!!

Ocwen Loan Servicing just purchased our mortgage loan and deducted our October 2013 mortgage from our checking account twice. Three weeks of calls have produced NO RESULTS and every time we call, we are starting over. They seem to keep no records of our calls or this problem, and show no interest in resolving it. We are at the point of considering this criminal theft. Our next calls will be to the police and the press.

I lost my home a year ago from Ocwen! I called them every day with questions about my paperwork they claimed they never received. I paid to send stuff through our local fax company and they still claimed they never received it. This went on for 6 months until one day I called and they said, "We are sorry, your house will be in a sheriff auction. There is nothing we can do!" I could not believe this happened. I called everyday. I sent stuff everyday. I re-sent, re-sent and nothing. Plus when I called, I could barely understand the people I was talking to because of different language. I have a family of seven. This was so hard on all of us and I feel like they didn't know what they were doing. Does anyone know if there is anything we can do about this?

I have to sell my home and after it being on the market for over 2 years, decided to do a short sale. I have a buyer and have submitted all the paperwork Ocwen required. The buyer made a good offer and Ocwen countered. The buyer accepted the counter offer. The problem is when I signed the loan many years ago, I used my nickname when I signed because I was using it for everything including pay stubs, bank accounts, and tax returns. I at one point decided to change my driver's license over to my nickname and was informed I could not and needed to use my given name since that was what was on my social security card. I started using my given name.

My mortgage was recently acquired by OCWEN from GMAC Mortgage. I had been with GMAC for about 8 years. I had no problems with making mortgage payments online with GMAC. When OCWEN opened up a new website, I began having problems with logging in and working with my mortgage account. The first time I tried to create a new account, I had difficulty. The second month, I could not log in at all. I have memorized my password. I use it all the time at work. It eventually locked me out. I tried to reset my password using their online instructions. They were supposed to send me a new password, but it never came in my email.

Totally incompetent. I am choosing to write a review as others have warned on here about their poor customer service and failure to close accounts when paid in full, as we are dealing with this right now. Our GMAC HELOC was sold to OCWEN. We sold our home and paid off the loan. We should have known something was amiss when our real estate attorney handling the sale of our home told us they were one of the worst companies he ever dealt with in getting pay off amounts, etc. After receiving our pay off, OCWEN requested that we send a certified, notarized letter if we wanted to close the paid off account. Why would we keep a HELOC open on a house we no longer owned? We sent the letter promptly, as we were in the process of buying a new home, though the sale of our new home wasn't contingent on the sale of our current home.

Ocwen bought my 2nd mortgage form GMAC. I have been keeping up with my payments with no issues until I tried to pay it off. I even send in the interest owed for the month via USPS express service and bought a bank cashier check. The cost of the check and the express service cost almost 10x more than the interest owed. They never debited my account and could not find the payment. I spoke to somebody from India who I had a lot of trouble understanding but never was able to resolve the issue. Then a week later, they reversed my pay off amount for no reason. This is one lousy and worthless company to deal with. DO NOT OBTAIN A LOAN WITH THEM.

My husband and I had a cabin in North Carolina and the mortgage was with Homeland. My husband passed away on Sept. 4, 2012 and I couldn't afford this home so I filed for a deed in lieu with Homeland in November of 2012. I filed all the paperwork and it was supposed to close in February. A week before it was to close, Homeland sold it to Ocwen. I call Ocwen and they said they didn't get the paperwork and I had to start over. So in March I filed all the paper work out again. When I got it back, they had taken my husband's name off the paperwork and I call and told them they couldn't do that, they had to put his name on it and I would be deceased on the paperwork. Then they did and I filed the paperwork out and faxed it to them on March 13, 2013. Then they said I had to get everything out of the house and make sure it was clean because they had to have people go and appraise it and they would let me know if I would be approved.

GMAC Mortgage, the original lender on my home for 8 years, informed they were getting out of the mortgage business and transferring all mortgages to Ocwen. I recently changed my homeowner's policy & Ocwen charged me for fire insurance saying they did not receive notice of the new policy from my insurer. I sent Ocwen a copy as an attachment in an e-mail response. I checked with my server and they indicated the attachment went out with my email. Ocwen responded they did not receive an attachment along with information, LCC Servicing is a debt collector.

OCWEN GOT MY MORTGAGE January 2013. Apparently they bought it from Homestead Mortgage. I had just been approved by Homestead, when Ocwen got my mortgage. To this date, October 17, 2013, I have faxed, sent certified mail, e-mail all the required documents, yet they continue to have foreclosure dates, one on my birthday, July 2. It appears no matter what I do, send, say, they continue to start the process all over again. I have significant documentation about all the information I have sent, as well as recorded telephone calls. Additionally, they assigned me an account manager, who I couldn't understand his English, and I'm a speech pathologist. Most of my time was spent asking for repeats, please spell that.

I had a loan mod from Litton Loan. All was approved with lower payment & int rate. I was to skip next payment. Received no notice from them of being sold. Received letter the month my payment was due from Ocwen that I was in default & need to pay loan in full! Sent in all copies of docs from Litton. Cust svc SO RUDE & stated I had failed to send in a form to Litton to accept the mod. THIS WAS A DONE DEAL! Ocwen not working with me. Foreclosure filed. I had to file bankruptcy to stop this! Ocwen now sends letter they will try to do a loan mod. I'll be notified (I already had one from Litton!). Never heard back on this. Cust svc in another city states they know nothing about any mod being worked on. Faxed them a copy of their own letter many times. State they never receive copies.

Ocwen informed me they took over the servicing of my loan from GMAC in September 2013. According to their records, a payment had not been made since June 2013. I am in a program with the State of Maryland (Emergency Mortgage Assistance) for the unemployed or underemployed. I pay my portion to the state each month and they cover the rest. The state has informed me that Ocwen has been paid. Ocwen says they have not and are talking about foreclosure. I have a appointment with my Lawyer tomorrow. I suggest anyone that sends Ocwen payments to make sure you keep all of your receipts. Glad that I did.

I started a modification in June of 2013. Every payment sent to them was lost every time, from June to August (my 3 month trial). They would call and harass me asking for it to be sent again (meaning a double payment). On the first occasion they had the money order and it was tracked as cashed and they claim they didn't have it. I had to pay to get a copy from the money order company and have it faxed to Ocwen. On the second one they lost it and I had to go to the bank and get a reprint of the money order and overnight the payment to them ($20.00 fee for me). On the third one they lost again and I had to pay (15.00 to have it sent express with a confirmation signature).

I have an automatic mortgage payment setup on my computer, so imagine my surprise when I was filing my mortgage statements that I had been underpaying my mortgage for two months. Ocwen Loan Servicing had added a Home Warranty Charge of around $54.00 to my account without my consent and I did not even realize this for two months. I immediately called the customer service line and was on hold for ten minutes before I could speak to someone to correct the mistake. The customer service rep could not tell me why this was added to my account and asked if I had cashed a check that was sent to me from the warranty service. I had not cashed anything and I asked Ocwen to send me a letter stating that this addition was a mistake. The representative said they would have it fixed, but could not send a letter or statement stating the correction had been made. I will see next month if the issue was resolved, but I find this activity to be very suspect and I imagine a lot of folks would just pay the additional amount for a while as it is a pain to correct the issue.

I tried to do a home modification three time with Ocwen. Each time we were denied. Was told that If I was unemployed more than likely I would qualify. Unfortunately we were still denied. My unemployment ran out, still Ocwen refused to help. March I was diagnosed with breast cancer. I needed surgery and radiation so now I am unable to look for work at this time and again we were denied any assistance from Ocwen.

I have had ongoing issues with Ocwen and one of the many is always having to speak with an agent in India or the Philippines, who read from a script and can't help with ANYTHING that isn't the basic. All they do is apologize and give you the run around. The other major issue is how they conveniently say my payment takes three weeks to get there. However, when I get a mail notification from the post office as proof, it magically gets there on time. It is a scam and they will find themselves in court over fees when enough people realize it.

I filed an application for a loan modification with OCWEN. I have tried for the last five years to do so with GMAC with no success. I sent the application in with all requirements, and a person hand written letter. Within a week I received a letter from OCWEN that they had received my application and it was being reviewed for processing. Two days later, I received a letter that my application had been denied. I made an appointment to speak with company and did so today. October 14, 2013. I did this because the letter instructed me to do so for the possibility of other options.

In August 2013, we paid off the mortgage to our house. The mortgage originated with GMAC. I have had numerous conversations with OCWEN and they keep telling me one story after another. Since I am a paralegal, I have filed MANY mortgages and in no way does it take 3-6 months. That is the story OCWEN tells me. I have checked the Clerk's Website and still our Satisfaction of Mortgage has not been filed. Last time I spoke with OCWEN, they tell me they are sending me an email they received from the Clerk's office. Our Clerk's office does not do that and I never received an email. I am losing a sale on my home because of OCWEN. OCWEN did not even file a Transfer from GMAC.

Well, we had to close out a few IRAs to stop the foreclosure on our home. They are still insisting on paying our taxes which increases our Mortgage payment but I spoke with the town and figured out the system so they should not be paying the town anymore. Yeah, Right. Now they are trying to pay our homeowner's insurance but the insurance company was more than willing to send the money back to Ocwen and said, "They are trying to screw you." Insurance company's words not mine. Also, a friend of mine has Ocwen but technically through USAA and USAA called them and asked if they want to refinance which really wasn't practical but when they told them my story with Ocwen, they said they are getting a lot of complaints and she thinks that is why USAA is calling and offering everyone that ended up with Ocwen to refinance.

Another GMAC customer who had our mortgage account taken over by Ocwen. They have transitioned from the old GMAC website to their own, and they have been nothing but a hassle. They are now charging me processing fees that I have never had to pay before in all the years I have been banking online. Every time I call, they give me different information. I will be filing a formal complaint with banking authorities here in Connecticut and will pursue legislative remedies.

They reviewed my fixed rate account and assessed I was paying my home owner's insurance and state property taxes in my mortgage payment, then increased my mortgage payment by $200.00 per month. I have lived here for over 35 years. I'm a Vietnam veteran, worked for the Social Security Administration for 27 years and never asked for benefits until now. I live with my 85-year-old Mom and she was a dedicated nurse for the Mercy Hospital for 27 years here in Baltimore. My father was in the Navy construction battalion (CB's) during World War II (deceased) and now I find that I somehow can't make ends meet. What's wrong?

I am on a trial period for a loan modification starting Sept. 1st and made my Sept. and Oct. Payment on time. On Oct. 8th, I received a call that my Oct. payment was not received. I called immediately 800-746-2936 to find out why I was receiving such a call. The customer representative tells me that they haven't received my payment. I made my payment through my online bill pay through my banking institution to Ocwen, PO Box 6440, Carol Stream, IL, 60197-6440 which was withdrawn on Oct. 2nd. I have spoken to numerous customer representatives and even to 2 supervisors and to no avail. I was told to fax the documents regarding the online statement to their "research team" which I did and even to a supervisor and haven't heard anything.

After GMAC filed Chapter 11 and reorganized, Ocwen bought out my mortgage. I had a line of credit which when I went to make my usual monthly payment online, the account was closed with a 0.00 balance (07/2013). A couple of months went by (Aug. 2013) and OCWEN began calling, stating they were a collection agency and we owed over two months on this closed account. We asked to speak to a Supervisor/Manager. They stated there wasn't one available. They never would address the closed account with a 0.00 balance. We continue to get bills from them. They are LIARS and a fraud. We didn't close account (on their website, it still shows a zero balance and closed). We assumed it was due to GMAC Chapter 11.

Inherited 30-year mortgage in 2004 which was held by H&R Block. Death certificate and necessary docs were provided. Loan was later taken by AMSI & then Homeward & I never had any problem. Payment was made online through bill pay, never late, was making extra payments. $130,000 loan was down to $13,157 when Ocwen took over mortgage and it was a nightmare. Treated like account was turned over for collection. Had to provide copies of death certificate, trust, etc. and was still received confrontational treatment. Would not let me use bill pay.

My mother-in-law passed away on August 7th. I called PHH Mortgage Company at 1800-449-8767 to ask them how I should send the death certificate, new bank acct information and Power attorney for my father-in-law. The customer rep told me to fax to them. Three days later after I faxed to them, I called them again, another customer Rep told me that they didn't accepted fax and I need to mail them a copy. One week later, I called them again after I mailed them the copy, another customer Rep told me that they did not accept copy, they need the original power attorney. I was concerned that they might lose it, he said they process them all the time, and they would mail them back to me in 24-48 hours after they noted to the acct.

In Feb 2013 OCWEN took over my home equity loan from GMAC, who has held the loan for 8 years. I have never been late with any payments with either of them. When OCWEN took over, it has been nothing less than a hassle and a headache. My payments are on automatic pay and on several occasions OCWEN has charged late fees, sent letters and made phone calls. Their customer service has been telling me your bank returned the payment claiming there is no account.

This bank Ocwen bought GMAC (my old mortgage lender). I started a FHA loan assumption with GMAC and Ocwen took over. After five months I called and they even knew that I was doing a loan assumption. This is the worst mortgage service bank.

OCWEN acquired my loan from B of A who received it from Countrywide, whom I refinanced with in 2006. Countrywide had me apply for a loan modification as I was behind a few months, then they failed. B of A took over and I followed their lead into more applications. Then B of A transferred (sold I guess) my loan to OCWEN who started over again. First it was HARP then HAMP. Turns out I was never qualified for either one of these. Now I am being considered for an 'in house' modification, though there are no details about it and the layers of customer service personnel are of no help.

This started the 3rd week of September, with multiple calls saying that I was late on my 2nd mortgage payments. I am on an automatic bi-weekly payment program to build equity (from when the loan was with GMAC, with NO PROBLEMS). After speaking to Murtaza on 9/23/13, he said that it was an error and he would correct it. Then on 10/3/13 I received a Past Due Contact Notice dated 9/26/13 from Ocwen. After calling the Customer Care Center AGAIN and speaking with Carol (US Virgin Islands), she discovered that they had been applying all my payments to the Principal and none to the Interest! Totally their FAULT. I am now waiting for an apology letter (not holding my breath) and a re-cap of their correction. This seems like the worst mortgage company I have ever had dealings with!

OCWEN Loan Servicing is buzzards waiting to dive in for the kill. After dealing with them for months and months for a loan modification due to medical hardship...and being denied multiple times for varied reasons, like I made too much money then I didn't make enough money. Then they had the "wrong financials" late fees, and property drive by fees continued to pile. "Lost mail", "lost electronic payments", "Missing correspondence”, rude "relationship coordinators", moving money and reassigning monies in and out of escrow account without permission and finally denying access to my payment that I sent towards the "trial payment period" on a modification that lowered my payment by $40.00...I called my state’s Attorney General Office...Through their efforts and contacting Freddie Mac directly...I now have a payment I can afford. OCWEN has NO INTEREST in helping anyone...They are interested in doing their best to trip you up to make a mistake so they can take your home. They are buzzards circling a fresh kill.

I am a mortgage broker and dealt with OCWEN for many years. Their support team is outsourced to India and the Philippines and doesn't appear to be well-trained. When my clients would pay off mortgages serviced by OCWEN, Ocwen would either forget to release the lien or send in incorrect documents, resulting in liens never being officially released, creating lots of problems down the road, when the clients would try to buy or refinance. Oftentimes, they would attempt the same process many times, taking months, yet still sending in incorrect information. This is not an isolated incident, it happened at least 5-7 times over the last 3 years with different branches of OCWEN. If you find out that your lender may sell the loan to OCWEN, try to avoid this lender.

I have been charged $35.00 for several certified letters they would send because my mortgage was late 30 to 60 days. When 60 days late, they charged me inspection fees and a $395.00 evaluation fee I did not agree to. They have done this twice. They bought my FHA mortgage from another mortgage company. I have had many mortgages and have never been charged these outrageous fees!! They are breaking the law and taking advantage of people who cannot afford to fight them. They are trying to steal my home! God help us.

I have repeatedly called Ocwen to have my loan refinanced and get turned down each time. I speak to someone that speaks good English and I can never get transferred. I ask for a loan modification and because I received one 2 years ago with GMAC, I don't qualify. I'm very frustrated and can't seem to receive any type of assistance. Surely there are other options and I'm always informed they have no solutions for me.

We had a loan through Saxon, who was sold to Ocwen. We had tried for years to do a short sale. Every time there was a buyer, excuses arose: this paper is missing and that is missing. Finally got a buyer, the HOA wanted their monies that were owed and decided to foreclose on the property. I called, emailed, faxed the attorneys of Ocwen for help and heads up. NO help. We had called so many times for help.

Ocwen stole $173,205.01 in Insurance Money to rebuild my home from an electrical fire it endured back in 4/2013. I informed Ocwen of an electrical fire in my home and on July 11, 2013, a check was issued by Safeco in the amount of $173,205.01 for those damages. I signed a contract with Tri-State Contractors to perform the work. The work will not begin until they receive their 1st draw. On July 22, 2013, I received a packet from Ocwen outlining the process, paperwork needed and the necessary steps to take in order to receive the disbursements. (three parts 1/3 each)

I called this company for pay off of mortgage loan amount. I was informed there would be a $30.00 fee for that information to be mailed, faxed, or emailed to me. A fee for information? I have had issues in the past with this company and would like to not do business with them again!

I am in full agreement of all these negative post I have read. I too qualify; I had this loan 10 years with GMAC before being transferred to Ocwen. I am paying 8% interest. They rejected me twice, once within in a week and I filed a dispute, within one hour I received a denial to my dispute. Curious - I am prepared to hire a lawyer, does anyone have a recommendation of whom to hire?

Our home loan was also with Citibank and all was good. I had an auto pay set up for an additional $150 month to pay down our principal. In September when Ocwen took over our loan, my auto pay went directly to them. What do you think they did with my additional $150? They put $50 off toward a warranty program that I never signed up and said $100 was due for "provider fees". I'm working with the research department on the $100. And in the meantime, I told them to cancel my "membership" from the warranty program that I never signed up for. Oh, happens that the warranty company is owned by Ocwen. Apparently, without my knowledge they had enrolled me in this membership and were planning to charge me an extra $54 every month in addition to my regular mortgage amount.

After a long history of timely mortgage payments and reasonably good service with GMAC, Ocwen takes over and the nightmare begins. They first start adding unauthorized charges to my account, claiming I enrolled in some shady referral insurance. After inadvertently making my regular payment including this fraudulent charge, I called Ocwen and requested an explanation as I did not sign up nor authorize the charge.

I was with GMAC and a very happy person. Out of nowhere, Ocwen came into our lives. What a nightmare. As I am typing this, I have been on hold for over 45 minutes. The representative is so nasty and I can hardly understand a word she says. I made my payment for Sept. I got my confirmation number and I keep receiving letters and mortgage statements about them not getting my payment. First phone call, the gentleman said "Yes we got it" but they, Ocwen is holding it?????? He said he would apply the payment. Today, I get my mortgage statement and Late Statement saying they are demanding the mortgage payment for Sept. and on my original mortgage payment slip it shows the Sept amount has not been paid. When I ask "WHY is this happening?" they say "Rest assure we got it." So I ask "Why am I getting these late payment slips?" The rep says disregard it. NO WAY DISREGARD IT. I want answers so now it is almost 1 hour on hold..... I wish I can get out of this mess. Run if your mortgage company sends you to them. I might try the Attorney General's office if they don't pick up in 10 minutes...... BBB gave them an F. THIS COMPANY SHOULD BE SHUT DOWN.

This company should be shut down. Ocwen purchased our HELOC a while back. The problems started right away when they could not tell us our payment amount so we could not make a payment. Once that was straightened out, we paid on time and in good faith until we were paid off. Then the foreclosure notices started arriving. They intended to keep charging us for something every month and put us in default. We made a phone call to Customer Care and they referred us to the research department. Every call we made, we were always referred to research. I asked to speak to a supervisor and waited on hold only to be sent to her voice mail. In the meantime, the correction was made to our account balance and we were given a negative balance. I think it is questionable that a company has a customer in good faith and they are treated this way.

I am having a problem with this so-called Mortgage company. Recently, Ocwen informed my Homeowner's Insurance Company - FARMERS, that it was vacant which is untrue. Ocwen stated that they would have this issue corrected because it appeared to be a mistake. We do have several houses on my street for sale. Yet they are paying people to make horrible mistakes like this. To further follow up on my Homeowner Insurance, I called Ocwen on Sunday, 9/22, to find out the status of any corrections. The rep from Ocwen told me not to worry and that they would cover my insurance and if wanted more information to contact their insurance department on the next business day. That sounds strange to me since I have lived in my home for over 11 years and have been great with my Insurance Company. Good news is that my agent and Farmers made them resend the cancellation.

Our IndyMac Mortgage Loan was just transferred to Ocwen during our loan modification process. The BBB has given them a "F" rating. In conjunction with that, there is nothing but negative postings regarding their performance. We are now scared to death for our home and the direction this is heading. None of it sounds good. It also sounds like they are not being held accountable to any higher power for their business practices. This is going to be a sleepless night for us until we can at least talk to our attorney who, at least, has been part of the modification from the beginning in relation to IndyMac.

What a miserable experience. I give one star only because there is not a place for no stars! Kept delaying me with high school type advisors for weeks and weeks, etc. After two months gave up on the refi after the rate kept climbing and they had the audacity to charge me $500 for leaving them w/o an agreement. They should be investigated.

Last two years, I have been in and out of jobs due to the economy. I tried my hand at starting my own consultant business, but as most people know, it takes a year or two to get that sort of business stable. During this past year, my wife and I had problems making our mortgage payments. We tried to get a loan modification; however, the process was very time consuming and we were never successful in getting the process started. We were told to keep the mortgage 60 days past due in order to get approved for the modification. Then the fun started. One month, we went 90 days past due and we begin getting the letters of intent of foreclose. We attempted to make a payment; however, we were told we had to make two payments.

We had sold our house, boxed things up, moved into the new house. Stored boxes in the attic & recently we were going through them & came across an Escrow Disbursement check from OCWEN dated 8/21/2006 in the amount of $803.83. Our lawyer said, "Call them, tell what happened, return the check by 'certified' mail so you'll have proof & they should send you another check. May take a while but it's your money & they owe it to you." I/we have followed all the instructions from lawyer & OCWEN. This all started 2/20/2013 & each time I call them, I'm told something different... "Your check was never received by us", "We are reviewing your case to see if you cashed the check & may be trying to get another one from us", "The 'verification' dept. is in the process of verifying your check", "You were denied because, uhm, I do not see a reason why you were denied", "Can you call us back in 24 to 48 hours & perhaps we will have an answer for you?"

OCWEN will not help us get a loan mod even though we qualify with income and in every way. We have tried and tried, they won't help. Just stay on them, if all fails, contact and consult with a Bankruptcy lawyer and a Federal lawyer about predatory lending laws. Hopefully they can guide you in the right direction to keep your home. That's what I am doing. I have been in the process of trying to get a loan mod from OCWEN after a HUGE hardship. Now it is over and we can afford it, but they won't help or lower our interest rate. What is sad, we have an interest-only, Adjustable loan. LOL. Keep trying and keep trying until you get the loan mod... This was a predatory lending loan anyhow to begin with. Now we see how they treat us after also.

I contacted them regarding my property value decreasing from the original purchase price, wanting to see if my payments would decrease. They basically told me NO. They are a GREEDY SELF SERVING COMPANY, and GMAC is useless for selling them hard working class people accounts! Disgusted with OCWEN LOAN SERVICING.

Ocwen continues to debit money from my bank account even after I cancelled the Equity Accelerator program. They use a 3rd party vendor for the program so they claim they do not know why this is happening. So a couple weeks ago they decided to refund my 3 unauthorized payments, but come last Monday they turned around debit half a payment from my bank. I called Ocwen, I was told I made a principal payment online. I said that's a lie. I had to throw the lawyer card around, then the CSR switched her story. She states it was an error on their part, they have been having issues with their system. She states I would recv. refund, and of course nothing. So I called my bank the stopped payment. Then Ocwen has the balls to send me a letter regarding a 40.00 stop payment fee. Their mortgage needs to be SHUT down way down. I called today 72 calls in queue. Hold time was like 7 minutes.

Ocwen took over my mortgage account in March 2013. I was unemployed and unable to make my payments on time. I applied for HAMP and kept receiving denial letters and "what to do now" letters. Sometimes 3 times per week even though I applied once. I went back online because one of the letters told me to apply for unemployment HAMP so I did. Before I received a determination of unemployment HAMP, I received a Loan Modification Agreement in the mail. It stated that with an initial down payment, my payments would be lowered. I did all that was asked to start the process and now my payments are higher! They said they had the right to collect escrow now even though the loan modification agreement states "Any payments due for taxes and insurance will be your responsibility in addition to the payments of principal and interest required under the terms of this modification. If this loan is currently escrowed, Ocwen will continue to collect the escrow amounts with your monthly principal and interest payment."

I am writing to you regarding the horrific experience Ocwen Loan Servicing has put me through this past year as a last resort effort. I am at my wit's end and do not know who else to contact about this or what to do.

Ocwen took over our GMAC mortgage, paid our taxes without our permission which we paid monthly ourselves which yes, put us a bit behind since we were not paying all three quarters in one shot. But we had been doing this for years and GMAC never complained and neither did the town. They got paid but on a comfortable time frame for us. Ocwen then asked us to pay them back for the taxes and has been charging us interest and holding our mortgage payments and not applying them to the mortgage and charging interest on the amount they're not putting towards the mortgage. It is hard to find time to refinance when we work full time and to do all the research but we have no choice. The other problem is we live paycheck to paycheck so finding the money to pay the fee to refinance is difficult but has to be done.

First, let me start by indicating that I am not an attorney. After reading a few recent complaints and having Ocwen as the servicing mortgage company, I too believe wholeheartedly they do not have the best intentions. They are vultures "just waiting". So, here are a few important tips. Ocwen represents themselves as a debt collection entity. As such, they act much like a collections company and are required to meet and follow FDCPA guidelines. These guidelines are state specific and therefore know what collection laws exist in your State and hold them accountable (**).

My Equity Loan was through GMAC Mortgage and was sold to Ocwen in early 2013. I decided to consolidate several loans and refinance a NEW First Mortgage. The company I am refinancing through requested a payoff amount on Wednesday, September 4th. I called the new company on Friday. September 6th, to see if my closing date for my new loan was still okay for Monday, September 9th. They said they called Ocwen on Wednesday, Thursday and Friday and had not received an amount and asked if I would mind trying. I tried calling and said they would expedite a payoff and I would have it that day.

The height of incompetence and unethical business practices. They are in bed with Homeward Residential, a 'sister' company. Ocwen assumed my mortgage loan in March 2013 after I filed a complaint with the N.H. Attorney General's Office against Homeward. I had made arrangements to make 6 forbearance payments on the 15th of each month, the last payment due on August 15. All 6 payments were made in full, on time, and I rightly expected to be back on a regular mortgage payment plan as of September 15. When I reviewed my account online, it said my next scheduled payment was due on August 1... How? I called Ocwen, was put on hold for 22 minutes, and was told nothing more than a research request was generated, and they had 15 days to respond, telling me that there was obviously a 'clerical error' as it appeared that two different departments were looking for payments at the same time.

I originally had a loan with Chase Mortgage, on June 1, 2013 Chase sold my loan to Ocwen. When I was with Chase my account was non-escrowed meaning I paid my own insurance, insurance only. Now that the loan has been transferred, Ocwen is saying that they pay my insurance which is not true. They also stated that they sent a check to my insurance company USAA in January for the amount of $1221.00. My insurance company said they have not received any money from any 3rd parties, they have only received payments from me. Ocwen has increased my monthly payment amount from $414 to $576 because they say that they are paying my insurance now. I have called several times to be hung up on, transferred to the wrong department and NO ONE SPEAKS proper English.

I was told they did not have to have permission. It was paid 08/16/2013. They tried to take it out again on 08/27/2013, but the account was in the hole. I got paid in another account on 08/30/2013. I transferred enough money to get it out of the hole. So Ocwen took the payment out of my account again and put me way in the hole. I told them they stole that money and did not have my permission to take that money. They did not answer me. I told them they had to put that money back. They said they did not have to. I contacted my bank; they put me with the claims department. They had committed fraud. They sent them a claim. My money was put back the next day.

To start with, they use Indian call centers with their reflexive listening and lack of ability or knowledge to resolve problems and only once did I get a supervisor who could help. I had 3 issues and wound up having to call 3 different departments - 1 issue resolved, the other 2 are ongoing due to any knowledge of accounting on the part of the people who are supposed to help. This is now day 5 of phone calls and I am trying to refinance away from these people because I think they try to get people screwed up so they can make big bucks through their collections group - that is real fraud and am getting state AG, who is very aggressive, involved as seniors are at risk.

My second mortgage was originally with GMAC but was taken over by Ocwen in last 2012 after the GMAC bankruptcy. In June 2013, I started the process of refinancing both my primary and secondary mortgages into a single loan. Ocwen was asked for a payoff statement by the new lender in late June for a July 6th closing date. For some reason, Ocwen decided to switch my loan to a different internal computer system just days after the payoff quote was requested. I discovered this when on July 20th, 9 days after my new loan funded, that Ocwen was continuing the automatic withdraws from my checking account on a loan that had already been paid off.

I am experiencing the same complaints as everyone else. Ocwen bought my mortgage or whatever took placed in April 2013. Ameriquest Mortgage Securities had my mortgage then it was changed to Homeland Residential Mortgage. I was currently under a repayment plan with Homeward Residential in March when I was unable to make the complete payment. I sent them $900.00. I was told that if I could not make the balance, just to call back by the end of the month. I received a letter stating that my mortgage was sold to Ocwen and I would be receiving information in the mail. I received information from Ocwen in late April 2013 when you called they did not have my new loan number therefore we are in the month of May.

I have been a homeowner since 2006 and have always paid my mortgage on time. Well, unfortunately, my loan was transferred from Chase to Ocwen effective 7/5/2013. When I called them to get payment information for my July payment (online/mail/phone payments) to them, they began saying that I owe them for June. I explained to them that payment was made to as instructed in a letter from Chase to begin making payments to Ocwen 7/1/2013. They asked for proof of the payment so I faxed a bank statement to them from home and they said they did not get it. I then faxed from FedEx kinkos and they still said they never got it. I then faxed 7 times (no lie) from work and guess what? They said they did not get it. I then emailed to a manager and sent certified mail. They said they did not get that.

I signed up for the equity accelerator service making payments every two weeks. Direct payments through my bank for a fee. This is not serviced through Ocwen. I noticed payments were not being taken out. I contacted Ocwen and was told it was a problem equity accelerator serv. so I contacted equity accelerator and was told by them that Ocwen had suspended equity accelerator from taking payments for my loan. I spoke with a manager at equity and was told Ocwen had a problem and had added two many zeros to my balance and my loan was now showing I owed like 5 million instead of 51,000. 8,000 customers were affected. And they could not do auto deduction until Ocwen straightened it out.

My husband passed away in October 2012. I lost all his social security money and I am on disability as well as having my disabled daughter and grandson (whom I am guardian for) living with me. I struggled to make the house payment until March of 2013. I wanted to get a loan modification so that the payment was within our budget with taxes and insurance included. I was denied as Ocwen proceeded to tell me that I am not on the loan of the house. However I am on the mortgage and the deed here in Michigan where I live.

I purchased my townhouse in 1993. Mortgage was sold to Ocwen in 2007. I paid the mortgage co. $32,000 & said to apply to the principal. Well, my house note ranges from $60-$80.00 monthly. In January 2013, I had major surgery & can't work but still paid the note. I only owe $7800.00 to pay the house off. I get notice telling me as of October 2013, my note for the next 12 months will be $579.00 per month because I don't have enough money in escrow. I had an amputation & can't work & am waiting for disability determination so I didn't have flood or homeowner insurance. Well they placed forced flood at $1900.00 in Apr. & homeowner for $1500.00. I was able to get flood ins for $600.00. They only refunded $1300.00 but told me I have to pay the other $600.00 to escrow & I'm trying to get homeowner ins. With hurricane season it's hard. Yesterday, they say I have to pay this amount for 12 months.

All of the stories, as it pertains to Ocwen are so personally familiar... I can't believe that this has been happening to so many people. This is a huge relief for me because I truly felt like the only one being taken for a ride by this company...

OCWEN is our 2nd mortgage. We are refinancing our 1st mortgage since my husband lost his job and we need a lower rate. OCWEN falsely reported our June and July payments as over 30 days late even though they were paid within the month they were due and I had a confirmation letter. When my credit was being checked OCWEN said they had no record of payments because they had a "new platform" on Aug 3, 2013 and had no previous records. OCWEN is delaying our new loan from going through and sent me a letter of default today, even though my payments are current. I got advice to file a complaint with ConsumerFinance.gov under mortgage. I encourage everyone to file a complaint against OCWEN that is having problems. I hope this will make a difference for all of us.

GMAC sold my mortgage to Ocwen earlier this year. Due to circumstances beyond my control, unemployment, etc., I was forced to file for bankruptcy in July. I am current on my mortgage, although twice my payment was about a week late (April's payment was made the first week of May, for example). I had my bankruptcy hearing a few weeks ago and everything was fine, I thought. Then today I received a notice of Motion to End Automatic Stay. Ocwen claims that I've missed two payments. I’m CURRENT, so how can I have missed two payments? I suspect they're up to something sneaky, as I've heard that they've been accused of doing some of the same things Bank of America has done, like foreclosing on homeowners who are up to date. This notice mentions foreclosure. I have a call into my lawyer but I'm worried.

I call the phone number- the toll free number does not work from my current location. I was told that my previous mortgage company approved me. But now I cannot find out anything after it was transfered to OCWEN. I have written letter after letter to Ocwen asking them to call and leave a voice mail message or mail me the information - phone number that is NOT a toll free number in the United States that I can call to find out about the loan mod that I was approved at at my previous company or if I need to start all over with a new application at OCWEN. Since around February or March - they will not call me or mail me a phone number that I can call them at. I have also asked a friend in the United States to call them and they told him they did not know what a toll free number is (the call center is in India). He said he had to explain this to the customer service department - they refused to transfer the call to a US office . I Have written 17 letters to OCWEN and nobody will return my phone call. I May lose my home because they will not allow me to apply for a loan modification.

We are signed up for the Accelerated payment program with Ocwen. I noticed our house payment was not posted to our Bank account so I contacted Ocwen and was told, "Don't make a payment. The system is down and will be up in a few days". One week later still no payment made, I contacted Ocwen again, still instructed not to make a payment because the system is down. August 21st I was concerned, still no payment made. This time the representative asked for a payment & wanted to charge me $19 to process the payment. I refused the charge & asked to speak with a supervisor. I was placed on hold then the customer service rep came back on the line and stated she "would waive the fee this one time". I made out house payment, then I asked if the system would be up in September. She put me on hold again, came back and said the system has been down since July with no estimated date for repair. She said I would have to call and check on my payments & make my phone payment, which is a way for them to charge the $19.

Since November of 2012, I've been trying to do a remodification on my loan and I am not satisfied. Time and time again, I faxed the same document to them because they tell me they haven't received them and when I finally got what I needed, they needed documents notarized and signed and mailed back. I've done that 3 times to date and am still being told they haven't received them and they closed my appeal and set a foreclosure sale date. I spoke to someone recently. He told me to fix the problem. I have to refax all the documents and start all over again. This is a outrage to me that after everything they put me through, I have to start again. And when am I going to speak to someone American that I can actually understand what he is saying. I'm so frustrated it's not even funny anymore. They have no pity for anyone not that it's an excuse but I'm a widow working two jobs trying to keep my head above water. When am I gonna get a job that people can't understand my language and get paid a nice salary.

After my loan was sold or transferred to OCWEN, my family and I or just I now since the divorce due to OCWEN causing additional stress and strain by reporting inaccurate information. This company will not help you correct information as they want you to be locked into them so you can't refinance. They have attempted to take my house twice. I explained I was a disabled Veteran and they still ran me around and completely ruined my credit even after I proved to them I was correct. "Nothing we can do sir, we are sorry about your situation...." They caused it... If you want to get any results send a QWR and get an attorney to fight these people. Very... very... very nasty company to do business with, as no one pick them to service your loan. They don't own the loan just service it and they make money by charging you late fees, property inspection fees and other misc.. that they won't explain.

My mortgage company was Saxon Mortgage. They then sold my Mortgage to Ocwen, I was not notified by either Saxon that they had sold my Mortgage or from Ocwen that they had bought my Mortgage for approx. 2 months. By the time that I had found out what was going on, I was receiving calls from Ocwen for late payments. The person(s) I talked to was from India. It was later that I found out that they were actually still in India as that is who Ocwen has a contract to provide their Customer Service.

We have been trying to refinance our loan and you get nothing but delays and delays from these people. Which I believe, is because they are hoping you get fed up and drop the process so they continue billing you the higher rate (If you also try to get the pay-off information to remove the PMI, same thing). We gave up on the PMI and now have submitted our paperwork several times so far to refinance the loan and even when requested, they never contact you to say they have received it or that is all correct. Once you finally are able to contact them again and have them to say they have it all, they say the review process will be 30 days. And then you are never contacted. Once you finally able to contact them again, they say one block or two was not perfect and you have to resubmit again. - And, of course, now your last two months of pay stubs and statements are now outdated and newer versions have to be resubmitted also. Which, then again, their process will take 30 days to to "review" the documents. - Also never use U.S. mail, scan and email everything, or the, "I never received it", is another excuse they use. - After this constant runaround and now after reading the other reviews, I find it's time for me to get a lawyer involved. This is a scam company. Never ever use this company!!

Would not offer me HAMP but chose to do an in-house mod - In 2010 I notified Ocwen that I was not offered a contract for the next year as my teaching job had been eliminated. They advised me that I was not eligible for any help because I was not in foreclosure. I continued to call them and was continuously told they couldn't help me. They eventually told me I had to have missed 3 payments.

Since my mortgage was bought by Ocwen, I have had nothing but problems, never late on my mortgage, even paid more. Then I lost my job. They finally allowed me to do a forbearance program. My mortgage payment was cut in half, never told me that they hold payments until my full mortgage payment, then apply to my account, charged a late fee every month, and an "inspection fee". When I questioned them, I was told that someone drives by my house on a monthly basis to see if the property is being cared for! What a bunch of **! On top of struggling to pay the mortgage, I am incurring late fees, and bogus inspection fees. They are the rudest in customer service. All these "government" programs for homeowners with financial difficulties, Ocwen does not follow.