Onity Mortgage Reviews

Two weeks ago I cut them a check to pay off my mortgage! I have never been late on a payment with them or any other of my creditors. Well guess what they have not cash that check! I have called and called and check my bank to see if it cleared. Ocwen claims they never received it and I am past due and there are charges for that! In ten years with them I have never been late once! My credit report is excellent. What kind of place is this! They are ripping people off! I reported them to the Attorney General’s Office in Ohio and Florida both stated to me there are multiple complaints against them! Ok call me crazy but WHY isn't anybody doing anything about this!!!! I have record of the calls, carbon copy of the large amount check I sent them, why don't they just cash it and be done with it! No they want to collect late charges and more interest off me! WHERE IS OUR GOVERNMENT!!!

HELP we are asking the Federal Government to stop these criminals from stealing our money with the threat of taking our homes away if we don't give in.

So far 75000 went where I don’t know the way look like half a million to pay off my 70000 loan. Another problem they are making my payment late. I mailed my payment 8th or 9th every months to be reached there on 16th but they are posting it on 21 or 22nd. I thought postal service can deliver between 3 to 4 days. I had open heart surgery in 2007, since we lost the family business house and all the good credit it is very difficult for me to deal with Ocwen. I wish our president could do something for all the poor people suffering through this company, or God loving some billionaire buy this company and take care of people. I have been paying since 2004 but not fare where and what for money going. THIS IS A GREAT PLACE TO LIVE ON EARTH BUT PLEASE GIVE US A ROOF SO WE CAN EDUCATE OUR CHILDREN AND FULFILL OUR DREAMS AND MY PRAYERS ARE WITH YOU AND GOD BLESS YOU.

7 days before the sale date, we were told that we were approved for a re-payment plan at 6917.97 per month and that we were welcome to re-submit for a loan modification! This made no sense since according to them, our package had never gone to review because they were still needing documents??? We had no choice but to get a bankruptcy attorney and file chapter 13 to stop the sale and save our home. The sad thing is that is the only debt we have other than a car payment. We are completely devastated that this will be on our credit history for the next 10 years. I really pray that someone out there files a class action suit against them.

NOW here comes the kicker...after making all 4 of the required modification payments, along with the notarized documents, and required Fannie Mae credit counseling, I receive a phone call the 2nd day of August stating they never received my 4th, last and final payment. So therefore my HAMP modification plan is denied and canceled. After which she states I would have to reapply all over again. What is their problem...How is it that all of a sudden they never got my last payment???? Is it because they want to continue to receive their 7.25% interest rate, instead of the 2.25% that my new loan plan would have called for?????

This is strange. How all of a sudden, I get this call exactly the 2nd day after their 30 days to get the payment in deadline...Mind you I sent it in a M.O. on the 10th of July...I checked with the M.O. company and it hasn't even been cashed yet. I'm believing PHH held the money order so they could come back to me as say I have been denied, because I never sent in the 4th and finally payment. I think they are ripping off the government, while still taking people’s money, then trying to force them into losing their homes...This seems like unfair practices if ever there were any...And at this point, I do not trust them at all. I will be contacting several people on Monday morning. I won’t give them the chance to bamboozle their greedy fingers onto my home.

I wish an attorney or law office would offer to start a class action lawsuit. I believe with all the complaints we would win but the problem then would be where would the loan go to be serviced when they are out of business?!? I am sure there are worse out there but not by much. If you get a notice that your loan is getting moved to Ocwen my advice would be to refinance if possible or sell your home and get out. This organization will cause you nothing but misery.

Wise up, people! Would you open a checking account at Ocwen Bank? That's what I thought! The answer is no!!!! They will eventually get shut down and you think now it's tough to get them to find records of your payments, etc.. Good luck! You will be fighting them for years to no avail and all the $2 per hour cust svc reps who guilt you into nothing more than get you to send more money will be long gone with the owners of the company. Only difference is the owners are taking your payments and enjoying the view of the Caribbean from their yacht. You have been warned.

My notice of sheriffs sale doesn't have Ocwen on it anywhere but they want me to send them $$. It only shows Deutsche Bank National Trust Company as trustee for Ameriquest Mortgage Securities, asset backed pass through certificates, series2004-r7 as plaintiff. How can some Indian in New Delhi be in control of my mortgage when I never made a deal with them and why would anybody in their right mind send them money when all of the stories out there seem to begin and end the same. These criminals need to be stopped. I just want to keep my home. This is terrorism.

I sent them my mortgage payment receipts for 10 years showing I was not in default, but they maintained I was 42 months behind even though I sent them evidence that I was not. They sent me default letters and threatened me with foreclosure even though I'm paying my mortgage every month. They offered me a loan modification which was nothing but a sham. It did not lower my mortgage payment or interest rate. They added over $33,000 in interest and fees to the loan balance and extended the loan by 15 years, with a balloon payment at the end of the loan period, but didn't say what the amount of the payment would be. It was nothing more than a predatory loan disguised as a modification.

I filed a complaint with the office of Consumer Affairs and it was a waste of time. It took them over a year to not investigate my claim. They simply took Ocwen's response to my complaint as the truth and ignored my evidence that contradicted their claims. Ocwen's calls and default letters pushed me to the edge so I decided to file a lawsuit against Ocwen, Litton, JP Morgan Chase, and Salomon Brothers Mortgage Securities VII, Inc. I sued them for violations of Federal and State regulations, breach of contract, fraud, emotional distress, pain and suffering. That got their attention! The calls stopped cold; but today they returned my mortgage payment saying it was not enough to cure the default. Which I feel only strengthens my case against them.

I had to file the case on my own because I could not afford an attorney but I am confident I will win, because I have too much evidence against them that cannot be refuted. I wrote a letter to my senator, congressperson, and Richard Condray, the Director of Consumer Affairs, and called for an investigation into Ocwen's illegal and predatory practices and reign of terror against consumers.

My names on the accts and they have my information and proof that I’m on disability and deaf. Sigh NEED HELP with an ATTY to go after them, and those of you that are having hard time reaching OCWEN there’s 5 offices in USA. The main office is in Florida. I dealt with the one in WATERLOOK, IA but they transferred us to the main office. They are so UNREAL. They just want to RUIN US ALL :/ FUMING CAMPER.

Note* They do not reply to your emails from the Ombusman, or the ipay department, and also when sending mail to ipay. The reps I spoke to do not have email. The managers do, I sent my scanned check image to the reps manager and still 2 months later they still didn't show my payment. I finally had to let the re-financing company call them to correct my payments. The payment history is still wrong and the date they stated to have my account modified was the July 19th. It's now the 24th. I wonder how many more days before my online account reflects the payment properly. Be advised they do not like cursing; however dealing with Ocwen makes one so frustrated, that it will come out. Just apologize to the reps, it's not his or her fault that they work for a messed up employer. It's just a terrible experience. I should have re-financed with a different company, and never went back to Ocwen.

For 3+ years we have played this game. Now they have thrown in another curve to make me hate them. They are now telling me they do not do loan modifications and they never have. I have borrowed, from a friend, $20,000 to pay the back payments and late fees that Ocwen requested. They said $17,000 would clear it up and would get my loan back on track. After sending them the money, I received a late notice saying I still owed them $17,000 in late payments and late fees!!! How is that possible?!?! After that notice, I tried sending them more money and it was sent back to me. Ocwen said they would no longer accept payments from me. Now I am being foreclosed on! I am so mad at Ocwen Loan Servicing right now that I am ready to call it quits but I don't want to lose my home. I am being taken advantage of by this company and I believe everybody should know that this company is the biggest rip off I have ever encountered.

I have also enlisted the President of The United States to help me and I have talked to several people at the White House and they ARE doing a massive investigation. I hope Ocwen gets shut down and all the poor people they have taken advantage of and taken their homes get some kind of reimbursement!!!!

How the heck has America allowed this to happen with people's home investment. My husband and I both hold doctoral degrees and pay our mortgage on time, have never been in arrears. We own two homes in fact, and Ocwen has become an expensive nightmare. We tried to pay our mortgage yesterday online, and the note had increased by 1,000.00. When I called to inquire they said they were adding a forced home insurance policy on our note as escrow. I informed them we had an active home owners policy effective Nov. 2012 and current paid in full and had sent them the EOI directly April 2012. The Ocwen representative was in India that I talked with, and she stated she had never received it, thought my saved email was verified received. I offered to email her proof and she said she could not receive emails. I asked then why did Ocwen instruct to send all insurance verification to their email site? She avoided every direct question, and we ended up on a conference call with my home owners insurance company.

The Ocwen agent keep trying to find fault with my policy by saying the policy numbers don't match, etc. and the agent had to keep redirecting her that it was a valid policy. Ocwen was trying to scam me for 1,000 dollars a month home owners forced policy by their company, with no information who the insurance co. was, what state they were in, nothing - and claimed the insurance coverage was for Ocwen as primary, not the homeowner, should any claims arise. I have called the Texas dept. of insurance to file a fraud claim, and previously reported Ocwen to Greg Abbott Attorney General for abusive practice in 2011 and plan to add another. A company acting as if they are a mortgage company, and then challenged admitting that they are a "debt collector" should be stopped from doing practice.

The US has fallen far from its value of honest trust to allow this type of practice preying upon American families. Apparently this company has been successfully sued many times in states, and is under oversight in the state of New York. I would welcome involvement in a class action suit. We are trying to refinance and get away from Ocwen. I also requested a complete transcript of my payment history today, because it appears that our principal has gone up, not down in our 8 years in this home. After reading online, from other's experience it appears this is common practice with Ocwen to not credit your payments. This company should be shut down by regulators, but seems to have found "paydirt" in getting away with regulations on lenders, that do not apply to "debt collectors" acting as lenders/mortgages and no real mortgage company being traceable to take responsibility. Just fraudulent. Would welcome any attorney feedback or others who got away.

Got a notice of pre-foreclosure mid-January, scared us to death and we called. The rep said the company automatically sends this out when you are more than 3 months behind... Wait... What? We weren't behind that much. About that time, we were a little under a month behind because we only owed less than $100 for Jan. payment. Needless to say, we constantly get letters every 2 months stating we are in pre-foreclosure even though we are up to date on our mortgage payments; the only glaring exception was January of this year. They keep adding "late fees" and "processing fees" to our normal mortgage payment. We paid on time every month since February.

I keep calling about the fees and get a run-around constantly. I keep the rep #, name, date of call, time of call and I have about 10 pages of notebook paper filled out front to back with phone calls regarding illegal fees added to our account. I have reported this company consistently since February to our state's attorney general. Since the late fees are showing up on our credit report, we can't find a finance company to refinance our mortgage. STAY AWAY FROM THIS COMPANY. If you get a letter stating your loan has been sold to OCWEN, REFINANCE with another company IMMEDIATELY!!!!!!!!!!!!!!!!

I also was a former Homeward client - OCWEN took over my loan on March 1st - I was a year behind in payments and was at least able to speak with someone at Homeward and we were working on a mod when out of the blue, my loan was sold to OCWEN. To make matters worse, although I had been speaking with Homeward and they seemed to be fine with the timing of me getting them documentation, they filed a Notice of Default on February 28th - the last day they owned my loan! SO as soon as OCWEN got the loan, they stepped up foreclosure proceedings immediately. The Default notice was not actually filed in the Court until after OCWEN took over the loan - still not sure this was all legal as it was Homeward that prepared the Notice of Default but they no longer owned the loan when it was filed - anybody have any comments on this??

Anyway, I am scheduled for Mediation this Tuesday - do not have an attorney so going it alone - does anyone have any comments that has gone through a Mediation with them?? Thanks for reading!!

To make a long story short, I am NOT in a flood zone (the surveyor proved this), but I did pay the surveyor $600 for the proper documents. Ocwen has refused to reimburse me $800 for flood insurance that I never needed in the first place. Ocwen is so arrogant, that they ignored correspondence from the Better Business Bureau. I have never dealt with such an irresponsible, unprofessional, and arrogant company.

Oh, they didn't have all the paper work, you are missing that, you are missing this, your paper work was received too late. For over a year this took place. Mind you that during this time my home is in foreclosure. Their (Ocwen's) attorneys tell me to try and work something out with them instead of going to court. Well, as of today, I finally was offered a modification, an in-house modification. I cannot afford the new mortgage and I am unable to refinance because no bank will take a chance with me. Can you believe?

We have from our bank proof of Ocwen cashing all checks. We've made numerous calls to all of their customer service numbers and are getting nowhere. Not one of their employees has given the same story and with this concern. I've researched online and find thousands of people subject to their scheme. There is no way that their "customer service" people have access to any records because after they read through several prompts/scripts, we followed all recommended actions to remedy our account and complete "a-research" request, and they continue with excuses on why they can't retrieve it "maybe you make payment now?".

It's clear that this is a call center to harass people. Not sure anyone is actually managing accounts appropriately. I've reported them to the broker and will continue to fight to have our loan moved. Facing foreclosure and legal fees based on their incompetence is a violation of my rights as a consumer.

We also have not received a statement since February 2013. I have called them so many times and of course have to talk to somebody in India who speaks broken English. They can't help me at all and do not have any answers for anything. The last time I called them I ended up screaming and cussing at them so bad that I called back and apologized. It is just so frustrating. We do not know what we are going to do when we have to pay the loan off in a couple of years. We will probably lose our house because we can't afford an attorney. We have made the last 6 payments on time, so I am hoping we can maybe get refinanced at a local bank. This bank really needs to be looked into. I read somewhere that since they are not in the United States they do not have to comply with our mortgage lending laws, not sure if this is true. Good luck to everybody that has to deal with them. Hopefully something will be done soon!!

OCWEN hasn't processed a payment of mine since then, despite my paying the correct amount each and every month, on or about the 1st. Now they sent me a notice of Default. This week, I noticed they'd stolen about $1,500 out of my escrow account. Nobody speaks English there and I don't think anyone there is intelligent enough to help me. I highly recommend you file a complaint with the Consumer Financial Protection Bureau. I have 3 pending against OCWEN. This company needs to be shut down.

I immediately started the process of HAMP since I was finally employed full-time. They required one months of pay stubs. I sent them one as I am only paid once a month, but they told me they needed two paycheck stubs so I sent them my first check which was for 1 1/2 months of pay... After waiting 4 months for a decision, they finally called me to tell me I was denied but couldn't tell me anything more than it was due to income. I finally got ahold of my account representative. After arguing with her for almost 40 minutes about it, she finally realized that my income was input wrong... They put my monthly salary in based on the two stubs I sent them so they had me with a monthly salary of 2 1/2 times my monthly salary.

So she had me resubmit my application. So now I have an additional 4 months of missed payments since they won't accept a payment until I am either approved for a refinance or get my balance due current. Well since I was on an unemployment program for a year, that balance is now around $13,000. That's not gonna happen. After another month and a half of waiting, I have now been denied again because this time, I don't make enough.

Reading these comments, it doesn't feel like they are taking the HAMP seriously. Their attention to detail seems to be lacking quite regularly. At this point I have given up hope and have started the process of just doing a short sale to get the stress off my back. I realize I am upside down on my loan, but my understanding was these programs were supposed to help us get our homes back into a manageable state for those of us who went through a hardship. I am trying to get back on my feet, but the weight of this house, and the horribly high interest rate are taking it's toll on me, and I have given up. I have burned through all my life savings at this point trying to save the home, and all they can tell me at this point is there is no help for me. Now all the work I have done to this home over the last 7 years will be for nothing and someone else will get the benefits of my misfortune.

April 1, 2013 payment of $830.01 (Ck. **) to Homeward Residential was made on February 4, 2013. May 1, 2013 payment of $830.01 (Ck. **) to Homeward Residential was made on February 16, 2013. June 1, 2013 payment of $830.01 (Ck **) to Homeward Residential was made on April 24, 2013. July 1, 2013 payment of $830.02 (Ck **) to Homeward Residential was made on May 25, 2013. August 1, 2013 payment of $830.01 (Ck **) to Homeward Residential was made on June 29, 2013. It was cashed on July 10, 2013.

I first called them on April 9, 2013 when I was double-billed for the May 1 payment. At the time, I assumed that it was due to confusion regarding the changeover. But now, I have been double-billed for the August 1 payment, one that has already been cashed. Presumably, these payments and bills crossed in the mail but when I went online and saw the substantial number of complaints against OCWEN, I suspect that this may be a regularly recurring business practice.

Our attorney never got a letter and we never got a copy. I only found out because I called to make another post petition payment for July and they refused to allow me to make one because they say they are foreclosing on 7/17/13. However, the court does not have my case on the docket. Are they just lying to me? I don't know what to think. I wasn't allowed to talk to a manager because of the time difference to India. I had to make an appointment.

The first call made on July 1st, I was advised that it was my responsibility to Fax information to OCWEN Escrow Dept and fax information to OCWEN Research department and that I would have the issue resolved within 48 hours. I did fax all the information to both departments. The next call on July 5th, I was advised that they would not have resolution for at least 5 days after an analysis. I asked to speak to a Supervisor to set up a payment of the actual mortgage amount due of $665.36. The Supervisor said this was not possible. I had to pay the total of $866.30 which included the $200.94 Escrow Account fee. I asked to speak to this supervisor's supervisor or someone with the authority to review my request and after 10 minutes on hold, I was informed that person would return my call.

Today, I contacted OCWEN to speak with someone that had the authority as there was no call back Friday or Monday to my request of 7/5. My first call today, 7/9, disconnected immediately. My second call handled by "Ariffe" informed me they had to pay my taxes as of July 1st and when I asked for a supervisor because my taxes are not due until July 31st and I will be paying them directly, I waited on the line for 8 minutes with nothing but "dead air". The consequences are going to be that I incur additional debt for a late July payment in the amount of $33.27 for an Escrow account that should have a credit balance of +$145.63.

With my only income right now, it's impossible for me to make such payments. Ocwen says they will work with me to re-modify my loan. I don't want to re-modify loan, just want to be left alone and let me make the payments that I have been making. The economy is picking up and mortgage rates are back on the rise. This is just a reason to justify increasing my rate, I believe. I have an affordable loan payment. They are preying on it, a lender for unjust causes.

When these transfers take place, it creates another time-consuming communication just to establish, plus, they are the same as AHMSI, though short, I also include Homeward. The website does not work. I was given an email address of support@ocwen.com through one of the support people, which was returned: “Delivery to the following recipient failed permanently: support@ocwen.com (the rest deleted for brevity...).” Ok, I have had numerous conversations with support reps to try and get things in order with Ocwen, but to no avail. The end result in that conversation is always to try and sell me something else (mortgage protection, etc.), which I don't want. So what is support? It seems like support should be where you can reach an agreement and all can move forward, but that is not the case. You cannot reach anyone that can actually get something done and concluded. All they do is write down what is said, that's pretty much it.

The people you talk to are only phone answering people with a script. This is part of a bigger problem that allows companies like this to exist; it is part of the previous problem that our country allows. A relationship is built on people doing what they and saying what they do. I have been told stuff that leads nowhere by Ocwen. My impression of them is they are predators as well. They will be predatory, and as the economy loosens up, they will get more predatory. I have watched this cycle several times in my life. Well, I am much older now than when I bought that property, whereas I want to be true to my word and I have come to the conclusion that eventually, I simply won't care anymore.

Later, I received a new statement with new loan number and new mailing payment address in June. I made my payment with Citibank online bill pay to the Pasadena office on June 6, 2013. In the meantime, I keep calling them to find out where my May payment went. They told me to fax proof to show I had already made my payment to them, so they would investigate where the payment went. In the first and second time they told me fax to 1-856-917-8322, it took 24 to 48 hours for the system to update.

After I faxed it on 6/12/2013, I kept calling them every day to see if they had received it yet. On 6/14/2013, I called them again to see if they got my fax yet. They confirmed my fax number and told me that it was not the correct number to fax. I should fax it to the Missing Payment Department at 1-856-917-2946. So I faxed it again to both numbers. And I requested them to give me a letter to state that I did make my payment on May & June without late. Some kind of error might have happened from the bank, but they told me that they couldn't give me any proof letter because it was their policy and they said they couldn't help.

On 6/17/2013, I called again and confirmed they still didn't get it. So, I had to go to a branch in person at 227 W Valley Blvd #198B San Gabriel, CA 91776 and asked them to fax and follow up for me again. They called the same number but the branch officer said that PHH didn't find my conversation record. They gave the branch the same fax number that I used before. I told the branch officer that they said that wasn't the correct number. I followed up on 6/18/2013 with her and she told me finally that PHH got my fax and they used my June payment to cover the May payment. They still didn't know where my May payment went. I requested a letter from the HSBC branch but they told me after the loan passed to PHH to be taken care of that HSBC could not do anything.

The next day, I asked HSBC branch officer to follow up for me but PHH said they could only talk to the borrower. So I called PHH to ask for a proof letter to state the error happened and it was not the case of late payment. PHH stated that they needed another 2 to 3 weeks to investigate. I really feel helpless and hopeless. And every time I call the toll free number, I have to repeat the whole story again and again to different customer service personnel. And they keep giving me different fax numbers and asked me to fax their manager department, 1-856-917-8291. I contacted the customer service manager, Ross **, about this incident on June 26, 2013. He could not find my record and could not understand my situation clearly. He was not helpful and like day dreaming in the entire conversion. He was not willing to solve my problem and hung up my phone.

I think HSBC made a big mistake to let PHH to take care of their mortgage loans. PHH is a bad management company and created the mistake without admitting their fault. I have lost the chance to get a better refinancing interest rate and got the rejection of my refinance application by the underwriter. HSBC has my proof payment letter from Citibank to show I made my payment on time but PHH said they could not communicate with their lender, HSBC. It is ridiculous and clearly shows PHH has a bad system and cannot keep track of their payment system. PHH has a bad customer service system and cannot even provide accurate information to customers.

I do not want to deal with PHH anymore and I hope HSBC can stop using this management company. I have no idea if this complaint letter will be followed up by a proper person in HSBC but all these mistakes caused my loss at a chance to refinance my mortgage. If anyone wants to complain about PHH, try the Federal Reserve, Federalreserveconsumerhelp.gov.

I filed a lawsuit and have kept possession of home but only by spending more than $300,000 in attorney fees to fight this fraud. The fight to keep my home has cost me 10X's this amount emotionally, physically and mentally as they have denied ANY wrongdoing. Not to mention the investor who has filed motion after motion with the courts trying to say I am a deadbeat homeowner. It has been the most exhausting thing I have ever endured in my 47 years of life and not one agency our tax dollars pay to protect us is willing to do anything about it.

They have horrific Customer Service. Most calls from them are on a very poor connection, and fade in and out. It is very hard to hear what they are saying. All calls are from a call center out of the USA. I see that they have many class action lawsuits working against them and many BBB complaints. Document your calls to them and, still better, record them. Post all your calls on Notes800.com. Keep records.

Well, recently, I was dealing with Magdelina who was keeping up with her scheduled appointments with me until April 29th, 2013, when she was supposed to call me around 9:30 am EST. I never did get that phone call, was home all day waiting. In March 2013, again I asked for paperwork on when the Judgment was entered. I told them I don't have it and asked for it to be sent to me. I also asked when the Actual Default was and also asked for paperwork on that to be sent to me. They asked me to send in the MHAP paperwork - I did. I faxed it from my home. They asked for me to sign and Date a Dodd, or Dodd Frank. They asked me to re-fax in the information on my child support. They asked for paperwork to be signed by my son and they asked for an EZ Form 2008. They told me to just fill in the top of that form, sign and date it.

I told them I don’t have any of that paperwork. It never came in the package they had sent to me. They said they would mail me all the paperwork and I said great, as soon as I have it, I will fax it to them. New appointment set with Magdelina for March 25th, 2013 at 10am. I told her when she called I am still waiting on the Judgment and Actual Default papers that I had asked for. I told her also I am still waiting on the Dodd, 4506-T, and I told them I will resend in the child support information as soon as I had all the other paperwork they needed from me and would send it all together. New Appointment set for April 8th, 10am EST. I spoke with Magdelina at 10:11 am EST. I told her I still have not received the Dodd Frank Form, or the 4506-T Forms have not received the Judgment or Actual Default paperwork I have asked for. Also, in all these phone calls, I have asked who my Mortgage Company is. They won't give me that information.

Magdelina said she would speak with her supervisor about paperwork not being sent. Next appointment set for April 29th, 2013 at 9:30 am EST. In the meantime, I did receive the 4506-T Forms on April 18th, 2013 but no other paperwork has come for me to fill out and resend to Ocwen and the Judgment and Actual Default paperwork has not been sent either. On April 29th, 2013, my phone did ring around 9:30 am EST and I answered it and said, “Hello, hello” a few times but no response on the other end and then I had a dial tone. Who ever called that day, hung up within a matter of seconds and I have no idea if it was Ocwen and my scheduled appointment.

Since then, I’m still waiting on the paperwork and have not heard from Ocwen since. If they are calling, they aren't leaving any voicemail. I do monitor my voice mails. I am tired of harassing phone calls and very stressed over this all. I’m depressed from it because this has been going on for almost 5 years or over 5 years. I’ve been thinking that maybe they don't have the right to foreclose on my home and I did receive 2 checks from Rust Consulting Inc: 1st check for $1,000, 2nd check for $300 about an agreement between Litton and the Federal Banking Regulators, the Office of the Comptroller of the Currency and the Federal Reserve Board. They stated the payment is related to an enforcement action regarding deficiencies in the mortgage servicing and foreclosure process of Litton.

When I asked if I could apply for loan modification, they said I didn’t qualify. In Nov, I got a call from Attorney Acurance and they had all my information. They said they could get me loan modification from Ocwen and they are working with them and that I should call Ocwen that I am to do stuff with them. This is what Ocwen wants too, so I did. I sent them payments for Jan, Feb and March. Each month, they say it’s almost a done deal. Then in March, I called and a lady answered and said that because I deposited my money directly to their bank account, that I lost all the money and that this place was shut down and is a scam. So I called Litton holding back tears and they now say I can apply for modification. So I sent them all the paperwork. Months go by and they said same crap Litton would always say: they didn’t get the paperwork. I sent it seven times and I emailed it 50 and they got everything finally.

Now, they are saying the owner of my loan doesn’t want them to give me a loan modification. So I asked who owns my loan and it’s not one person but a lot of people. I am so confused. I can’t afford a lawyer so I filed papers with the court asking for my payment history and I would like the judge to look at what they do. I go to court on July 1, 2013. In my broken heart, I have no faith in justice system and I won’t be able to look out the window and watch the squirrels or the dogs running through the high grass, the birds walking around the boat I made in to a pond with goldfish that I can’t catch and when I leave will surely die. I cry myself to sleep every day. My husband said if we lose the house, he’s going to kill himself. He is really sick and depressed, stays in bed all week, hardly ever gets up. Now, I’m going to lose everything on July the 1st.

Now, Ocwen claims that I owe for Hm Insurance which I purchased on my own. Tune now changes to “We are collecting a debt for land taxes.” Again, I don't have an Escrow account and I pay for my own land tax. Currently, I am now being harassed for late payment. Ocwen cannot get their story straight. This has been going on since October 2010 to present, June 18, 2013; daily calls up to 20 in a day harassing me for payment. I told them, “Take me to court and I'll bring my bank statements.” I am currently stuck with Ocwen. No one will give me a refi as Ocwen reported me to the Credit Bureau. With the many complaints that I have viewed, I am frustrated that Ocwen is still in operation. I am reaching out for help as one day, my luck will run out and then I'll be out of a home. So many "I CAN HELP" programs, but who to TRUST?

I have also received letters saying I had a choice to modify my loan (of which they sent paper work to apply) and it would save me $3 a month. I am not late on any payment and have proof. Homeward lost my check; my bank shows it was sent out. I have faxed all this information. Then they just sent me a bill to pay two payments along with a letter that I could do deed in lieu of foreclosure, sell my house or go to short sale or foreclosure. I am not late on any payment and never received notification to send my payment to Ocwen. They said I did. They may have mailed it but it was not received by me and I continued to make my payment to Homeward.

I can go on and on but I think you have an idea of the insanity I am going through. I have had a hard time having them get me to someone in America when I ask to speak to a US person. The mental anxiety and the major surgeries I have just gone through in the past eight months is causing me to go to the doctor for some medication to settle down. Where do I go from here? They are supposed to have a branch in Phoenix AZ where I live and I could bring this to them. I have faxed seven times today to them (I have no phone numbers except for the collection department and they do not talk to each other). Maybe if I fax more, someone or lots of people will get the information and find my checks.

They asked me to have my credit union change my checks to Ocwen. I requested and a manager called me and said that had to come from them. The last check went to Ocwen GMAC as that is the only one they have been authorized to send checks to. How do you get the two departments to talk to each other and to read the information I am sending? Maybe when they get a few more copies faxed to them, someone will take care of this. Any suggestions?

We have had 5 short sale offers, however, they do not respond. We currently owe over $310,000 and it has a Zillow price of $120,000. The current short sale offer is for $70,000 but we still have no word from them. I received a letter today claiming that it was vacant and we did not notify them; however, they have our current address in Colorado. I would love to settle with them or sell it but they have no interest in working with us and from what I have heard is that if they do, it could be worse.

They have the payment, but keep stating that they did not receive it. We are in a trap and cannot get out. There is no one who understands this problem at Ocwen, nor is there anyone who knows how to fix it. In the meantime, they keep constantly calling and sending notices in the mail. I feel like they ripped off our payment, and want another one in its place. They need to find where our money went, and put it in the right place.

In 2010 Saxon sold the voided mortgage that they had no interest in to Ocwen. To this date, they still force insurance on our home and pay the property taxes and have their name on our property. Due to the length of time we were in litigation with this bank, we were unable to put any money into our home. This May, I received another letter from Ocwen stating that they were again placing forced insurance on our home. So I filed a claim. The insurance company found that we had serious wind damage to our roof which had compromised our home to the tune of almost $17,000. However, the bank was named insured. So we had the insurance company also put our lawyer's name on the check. The check was cut April 30, 2013.

Our lawyer sent Ocwen a letter on April 16, 2013 instructing them to quit insuring and paying taxes on our home, that they do not have any interest in the house; he requested a response in thirty days and has yet to hear from them. He has gotten the phone runaround for over three weeks now.

In the interim, our home is literally falling down on us as the pictures that I am attaching will attest to. Since we discovered our signatures forged in 2006, when the bank submitted their claim to the bankruptcy court, and we reported the crime to the courts, we have been continually victimized by the bank and their servicing companies. They have cost us thousands of dollars for reporting the crime of forgery and fraud that was committed against us. They have drained us financially and emotionally, and now through deceptive practices are holding on to a check that they have no right to have. They have no claim to anything that has to do with our house and yet they go along with business as usual. They have again forced insurance on OUR home and they are holding proceeds that are intended to fix our home.

I will be interested to see if our signatures get forged again, which will throw us into what, another seven years of litigation, for being the victim of a crime.

To witness the damages caused by US Bank, Saxon Mortgage and now Ocwen, please feel free to visit my blog. No homeowner should ever have to be put through having their life destroyed by a banking institution through fraud and forgery by these above-the-law corporate crooks.

Ironically, the people (yes, they are outsourced foreign folks) who answer the phones are always so patient, helpful and kind, but their hands are tied because whomever is running the show at Ocwen really does not give a "flying fig" about customer satisfaction. The last 3 months, we have not received a paper statement in the mail and are unable to access our account online, so I am forced to phone Ocwen to get my needed info. Thank God for automatic bill pay through my personal bank!! Today, the nice customer service gentleman in India assured me that Ocwen is "trying to fix" the problems I am having logging-on to my account and receiving a paper billing statement... I won't hold my breath!! We are now on the down-slope of our loan, almost the entire payment now goes toward principal, our interest rate is lower than any other bank can offer and we only have a few more years until the house is paid off, so we will "stick it out".

I do not trust OCWEN, nor should you! If you are involved with these crooks, I wish you the best of luck! I for one am not playing their game anymore. They have put me through enough hell already. It's looking like bankruptcy is my only option, and to say that really sucks! I am certain this company (and others) will be hit with class action lawsuits. Unfortunately for me, it will most likely be too late. I have a good job and am able to make my mortgage payments... OCWEN just thinks this is a game apparently.

I referred the person on the phone to my email which I had pulled up in front of me and was told that they had no record of the email. I asked to speak to the representative listed on the email and was told that department doesn't take calls. They then offered to have a representative call me, but they couldn't schedule that call till Jun 12th. Not feeling very confident that this company really wants to resolve this issue. They seem to really thrive on fees, hidden costs, etc. I cannot believe that a government that wants to help people stay in their homes allows a foreign company to abuse lenders as Ocwen has been doing to so many. There has to be a way that I can have this resolved without losing my home and without this ongoing delay in resolution by the company.

I got sick in November 2012 and found out I had a brain tumor. I had brain surgery in January 2013. In February, my husband paid over $2,000 to help catch it up and asked for a repayment plan to do the rest. They said no. Month after month, we called and they denied us. We just found out they put it into foreclosure and said we had to pay $4,000 for 3 months behind. They just put our account to the attorney the day before. Our payments go up and down when we are supposed to have a fixed rate. They say our taxes go up or down every year. Stay away from these guys.

I had to send over the same documentation 7 times. I scanned and e-mailed it, faxed it, and sent it by UPS. Yet, they still said they hadn't received the documents. No one would return my e-mails or phone calls. Nothing seems to make any sense. They tell you one thing, and the next day it's like the conversation never took place. I finally had to contact an attorney and file for chapter 13... It's sad, because the rest of my credit was perfect. Stay clear!

I just give up...after sending in tons of paperwork, I am tired of it all...I grew up there...my children grew up there....but now I am walking away!

It seems that there were three individuals in this area that had the same name (the two others even have the same middle initial although the middle names were actually different) and two of us use the same family clinic and pharmacy (although our middle initials are different and the age variance is 20+ years). None of us are related in any other way save a common first and last name (i.e., Jane **). As per Ocwen's business practice, one needs to provide the last four digits of their SSN to the overseas agent before any discussion can take place regarding a loan Ocwen believes they 'own'. The probability of my providing personal information under these conditions is 0 for security reasons (i.e., identity theft). However, I routinely return the statements indicating that this is not my property which of course, they promptly ignore.

Having tried for several weeks to work through this issue with the company, now I simply tell them that no such person exists at this number and hang-up (they have an extremely weak 'auto-dialer' so identifying these calls is rather simple). I have explained to the Ocwen overseas agent that the individual who owned that property died 5 years ago (probably why the mortgage hasn't been paid! ) and (I assume) she had no heirs wishing to claim said property. This, they also promptly ignore. Naturally, I didn't come across that information until I started getting these odd phone calls from India. Interestingly enough, it didn't take much effort for a private citizen to discover this event (death) especially considering that Ocwen provided me with the property address on the statement with which to do the research on the actual owner (such is the nature of public records and competent research).

Herein lies the rub. My spouse is disabled and has irregular sleeping patterns due to severe spinal column damage (C3-C7, fused at C5-C7 and L1-S5 disc removed, not fused) and these calls do not help with these sleeping issues. Unfortunately, as a senior systems analyst, I am routinely 'on-call' for production problems and cannot simply leave the phone unplugged nor have any intention of having my phone number of 30+ years changed to compensate for Ocwen's incompetence. My spouse, a systems architect of 30+ years prior to the injury and subsequent surgeries, understands Indian cultural practices when it comes to debt collection and their flawed calling system quite well, simply hangs up the phone before the operator can be connected to avoid being overly terse with the agent of a malignant company. Of course, this is still aggravating the condition.

Were it not for the physical harm being caused to my spouse (who absolutely refuses to accommodate this nonsense by altering our lives), this situation would be a meaningless joke on the US taxpayers (Ocwen expenses for useless calls and postage) because our mortgage payments have never been late. We've had the same lender for 20+ years and Ocwen couldn't foreclose on our property regardless of how much they spend on phone calls and mailings. As regards my research, those individuals who are under threat by this predator have my deepest sympathy.

A week later, I called Ocwen and they said everything looks good. A week after that, I got a letter stating that I am being referred to foreclosure. I called Ocwen again and they told me I need to send in another package. The same day, I got a letter in the mail. It said they received my request and are reviewing it. I called Ocwen back and told them about the letter. They told me to disregard it. So now, I'm starting over again with the threat of a foreclosure over my head. WHAT A NIGHTMARE!

I then sent the check in $23,000, and when I called back after one week, they refuse to send me any funds to repair my home. I then received the package and completed filling the forms and faxed the forms back to OCWEN loss dept. I called a day later and the loss dept. again told me they did not receive the fax. The same day I sent them the fax 3 times that day and now OCWEN is saying they will not send any funds until I get a contractor to do the work on my home and the forms have to be filled out again. I advised specialist this repair will be a private repair, of which I was told by the first American in the loss dept. specialist that I could have a private repair and have my brothers repair my roof and siding since they are the ones that built the house. Also I did advise OCWEN loss dept. I was going to have a Wind Storm Engineer there at all times to get my WP-8.

Now I am being told they cannot repair my home without a contract. Again my house is still leaking each time it rains. So I did get a contract from my family’s company, which are construction workers, and faxed the forms back to OCWEN loss dept. 4 times the same day. Now I am being told they are still going to withhold the funds because the DATE 5/31/2013 was not on the contract. OCWEN loss dept. will not release $23,000 or any funds to repair my home. I believe they are trying to keep the money. Now I believe I may have to press a lawsuit.

Original Review: May 31, 2013

I was wondering if any lawyer is putting together a class action against Ocwen for intentional emotional abuse and false advertising. I recorded all phone appointment conversations with case managers (assuming it can be used legally since each start with recording disclosure) and paperwork. I was approved for HAMP through Ocwen and the government sponsored financial advisors assigned to handle these cases. I made all trial payments as requested on time of $773.76 and was told my final agreement with permanent loan modification would arrive in June by my Ocwen case manager, Alicia **, who said she would make an appointment to speak with me on May 8th to take next payment since I won't be able to on the website now that the trial period is completed.

I was checking my loan on the Ocwen website as I do randomly due to distrust in Ocwen and found an email flashing at me stating I do not qualify for the HAMP program with my appointment with my case manager cancelled. Are not corporations considered people now, so would there be no way to pursue lawsuit against Ocwen as a person for emotional abuse or torture? This is a simplified description that does not include dozens of calls, repeated paperwork sent 5 or more times with same information and total lies and false assurance. Ocwen is a debt collector preying on desperate homeowners to squeeze money out of them not to help or modify a loan. Thank you for your time.

I send it regularly and they only receive what they want to receive. They are not here to help at all. They are looking to capitalize on any equity you may have in your home. We are not 6 months late, thanks to them "not getting the paperwork"... nothing but lies!! Now, I have to have a lawyer that I have to pay just to fight them for the modification. Okay, so that's $4000 for the lawyer in payments and still my debt rises in refused payments!!! Why is this company allowed to do this? Prey on the less fortunate for what we struggle to save?

Two and a half weeks later, I get a phone call stating that we missed our payment. Another week later, we get a letter stating we have incurred a late charge for nonpayment. Another CSR later they are unwilling to change anything, or find a better solution, or let us speak with a supervisor. What else can I do other than spend $40 for a stop payment check and pay again? We plan on paying via our bank's bill pay, but want to make sure we are paying the right people first.

The bank had the cashier's check for about three weeks. They had received the first payment in March 2013 in a similar manner which was applied to the account. OCWEN said that I failed the trial period for HAMP and now they want to foreclose my home. The monthly mortgage payments are now back to the original payments. I have called them to work things out but they are being difficult.

On top of all that, they set us up with a case manager who promises on his VM to call back within three hours. Yeah right! I called a week ago and haven't heard a peep. And then, I called to make my payment, and the collections person has the audacity to ask my why we were late on our payments. Really?! So nonetheless, he heard an earful. Never choose to use this company. They are horrible and by far, the worst company I have ever in my life dealt with. They ruined my credit report and in return really upset me and stressed me out. It will take me years and years to fix my credit! Terrible!

The next month, I was told I owed an additional $1,200. I tried to tell them that I was told the $2,300 was all I owed. They said these were additional fees owed. I had no choice but to pay these or lose my home. This loan I have with them now is nothing short of a predatory loan. I do not see how they keep getting away with ripping people off. With my debt to income ratio, they should have approved me for the modification. Someone should step in and do something about these companies. I also had to change my phone because they were calling me at least 10 to 12 times a day. There is much more but I feel like I would have to write a book to tell all of the things they have done to me over the years.

I called and was told the online statement was just an estimate and the paper statement would be correct. So I had to wait another 5 days just to find out that Ocwen was wrong yet again. The paper statement was exactly like the online statement. They were wrong again. Now I'm looking forward to many more phone calls, and hours on the phone just to find out how much I owe and get a ** statement.

Ocwen is the most inept company I have ever dealt with. They are idiots, liars, or just thieves trying to manipulate customers into bad payment decisions. I don't know which.

When I asked to speak to a supervisor, I was told there is none. She would open a case and the research department would investigate. They would have 15 days to respond to me but I would have to wait to hear from them. There was no one I could talk to. I asked and received a fax number for the research department. I immediately sent off a fax with support to the research department. On April 25th, I received a letter dated the 24th addressing our inability to pay and an application to apply for hardship. On Friday, the 25th, I received a certified letter to the tune of $6.31 postage to notify me of default. On Saturday, the 26th, I received a confirmation that my documentation had been received and they had 15 days to respond. Twenty four days later and I've heard nothing. When I call, they tell me the research department is not able to accept incoming calls and they're still working on it. I continue to get default letters every few days.

As an individual with good credit, who pays her bills on time and in full every month, I'm more than a little upset that this can happen, and I'm at the mercy of some research department in West Palm Beach with no access to an individual who should easily be able to remedy this situation. I am concerned that my good credit will be damaged by some inaccurate audit on the part of Ocwen. I, too, am seriously thinking of selling my house to get rid of any affiliation with Ocwen.

On May 1st, 2nd, and 3rd 2013, they requested documents for the short sale, all of which were sent in as requested. On Saturday, May 4th, my realtor called and stated that a Coldwell banker called requesting access to the property because the property has been foreclosed on May 2nd. On Monday, May 6, my broker received a very short and abrupt email from Kate ** stating, "Yes, foreclosure took place on May 2nd, 2013." She has not returned any phone calls from myself or my broker. This company lies and steals. I will be reporting them to the Better Business Bureau and writing to the local politician about this fraudulent business practice. They are hoping people will lie down and play dead when they steal their home. I will not be doing that.

Our information was verified as correct the first time by our state Banking Commission and receipt confirmed by fax. This is the worst company I have ever dealt with. We are seniors with a home in NH and we are trying to get out from under and cannot. We have used much of our savings to continue to pay for this home but cannot continue any longer. Ocwen is just waiting for us to go into default soon so they can get our home into foreclosure status. They just received one of our loans from Homeward Residential 2013 this year. They are trying to increase the escrow amount and said we did not pay late fees back from last year, which is also incorrect.

Our payments were not recorded as on time during hurricane Sandy and Homeward gave us late fees and would not take them off. Then when loan was sold to Ocwen, they will not remove them either. I'm too depressed and stressed to deal with this company anymore and cannot afford an attorney. Ocwen knows NH is a non-judicial state and they do not have to go through the courts to foreclose and can in 90 days very quickly.

I chose Freedom Mortgage, an actual lender that not only handles the refinance, but services your mortgage as well in February 2013. They immediately were caught between who the contact was, GMAC or Ocwen, so they contacted both and both sent them payoff statements so we could get the refinance started. I started my refinance on February 1st with Freedom Mortgage, returned all my paperwork February 7th and they closed my loan on February 28th, at the same time, confirming that Ocwen would be the payee. Ocwen had calculated an April 1, 2013 payoff, which they also included interest through April, a late fee for April so Freedom Mortgage projected all that into the payoff to the penny.

I expected that I would receive back part of the interest, the late fee, and any money in my escrow account which should have been approximately $1,000.00. Instead I received a check from Ocwen for $112.16 and a letter of payoff dated 3/20/13. They basically kept approximately $887.84 of my money, but I didn't push the issue because I was just glad I was not going to be dealing with them. I received a copy of my original GMAC loan documents and a letter dated 3/26/13 stating that the loan was satisfied.

My heart goes out to all of you that have had to deal with this company. They're basically thieves. Hopefully, you're in a state where the attorney general's office takes complaints on companies that conduct business in this manner. I happen to be in Nevada and they do. As I stated, I was one of the lucky ones because I didn't have to go that route. Try and find another lender that will work with you or see what your attorney general's office can do for you in your state. But most of all, run as fast as you can from this unscrupulous company.

However, due to illness and excessive medical bills over the last 3 months, I was late with my March & April payments. And now, I see they have added $115 fee for a "property evaluation" which I was not informed about nor did I authorize. I need another fee from them like I need another hole in my head. I really dislike these people and wonder who really owns and runs Ocwen Loan Servicing. I would like to see a class action lawsuit against them.

Ocwen's representative promised me to open a work order to prove up escrow and call me with instructions to proceed within 5 working days. 5 days were due on April 30, 2013. Ocwen did not call. Thursday, May 2, 2013, I called Ocwen in an attempt to pay off my note. Twice I was disconnected during their attempt to transfer me to the right department. Twice I was transferred to the wrong department. That's 4 times I had to go through Ocwen's computer phone maze. The 5th call, I requested a supervisor and she put JP Morgan Chase on the line. JP Morgan Chase told the bottom line amount to wire transfer to them before 2PM their time. That amount included approximately $7 additional dollars for interest due past the 1st of May 2013.

Ocwen stung me for additional interest due to their lie of a speedy, 5 working day, promise to instruct payoff procedure. Ocwen is not a pleasure to do business with.

The representative was very impatient on the phone. Once I set it up and got in, the site itself is very rudimentary. The online account has as much security related stuff as actual mortgage related stuff, speaking of which there are no calculators, etc. To see payoff info, you enter a date of payoff and it gives a total owed them, none of the schedule that most mortgage companies provide as value-added info. This is a horrible company that seems to specialize in buying up distressed crap like GMAC. See the attached images for the ratio of security related routines vis-a-vis actually useful mortgage info which is on the first tab but shows just a few lines of current mortgage and breaks it down into the barest of principal+interest+taxes details with links to pay off amount.

My mortgage payment with GMAC, now Ocwen has jumped from $1,100 to over $1,500 a month. I was laid off work for 11 months and although my family member paid me rent, it did not cover my mortgage payment. For almost a year, I tried to pay my bills at my apartment and cover the shortage from my mortgage. I have tried to modify my loan with Ocwen, but they will not budge. I have not been able to refinance my home with anyone else as my credit has tanked from being late on payments due to my unemployment.

Payments were getting later and later and they would not accept partial payments. Between the late fees and the regular monthly payments, I could not keep up and now my house is in foreclosure. Today, I have received papers that I have to appear in court so that they can tell me that they are going to auction my home away. I am told that there are Government programs to help homeowners like myself; however, when I try, I get turned down. I do not want to lose my home! I have until May 9, 2013. Who can help? But I guess that is not going to happen as the government wants to keep the taxpayers' money and Ocwen wants to get richer by stealing people's homes by refusing to work with them!

Well, after about 5 phone calls and 3 letters requesting the recalculation, they said they couldn't do anything. It doesn't make sense to me. I now owe way less and I am paying a mortgage based on what I owe previously. When you call there, you never get an American and they are so rude. I am currently planning on refinancing with my credit union. I can imagine what will happen when my bank tries to get any info from them. They are the stupidest people on the face of the earth!

In February, I looked out of my window and saw people cutting my grass. I told them this property is not vacant and that I live here. I asked them not to come back. They came back again in March, posted vacant sign and tried to break the lock. When I opened the door, they ran away. I called Ocwen and told them what happened. They told me this will not happen again. They came again on April 5 and posted a vacant sign. On April 24 they succeeded in breaking the locks and posted the sign on the inside of my house. I was just horrified. I called the police and filed a complaint. I am being harassed in my home by these people. I am just scared to live here. Can anyone help me?

I've been doing this for 2 months already, calling them and asking what the heck is going on. Nothing. Problem is that HOA still charges us the association fees (because they can do that) even if we are not living there until new ownership is claimed of the property. Ocwen even literally hung up on me today on one of my calls to find out information. Somebody needs to help. This is out of control, and I can't keep paying the $250/month HOA fees.

Seriously, my next letters are to my State Attorney General's office, the Consumer Financial Protection Bureau, and my state and federal representatives, as well as the media. Ocwen strikes me as a criminal organization, past due for a criminal investigation into their fraudulent billing practices!

After arguing with my relationship manager (yea right, that's what they actually call him), I submitted the forms he required which were for federal loan modification. I don't qualify and it's obvious, but I had to do that first. So now, two attempts at completing the paperwork, he still doesn't have a copy of my driver's license and bank statements so he wants me to send those and we can talk in ten days. It's obvious they are just giving me the runaround and have no intention of considering a refinance. I'm not looking at getting anything from them other than a market interest rate. I guess I'll just have to join the masses and default on my mortgage to get out of it.

Our loan is a sub-prime loan which is interest-only for 5 years and then principal & interest for 25 years. While in the bankruptcy, our mortgage changed from interest-only to interest & principal so we knew that we needed to come up with the additional $2880.02 to cover the principal part of the loan when we were out of the bankruptcy. On 2/13/13 (Income tax Refund), we sent in a payment of $4,237.56 which was the monthly payment of $1357.54 & the principal of $2880.02 which would make everything current. We sent this payment in and Ocwen took the $2880.02 and applied it to the bankruptcy portion ($8449.67) that was already paid through the trustee.

On 3/15/13, I received a statement that showed our principal balance of $159,252.79 and then on 4/4/13, I received another statement that said our principal balance is $160,364.08. How can they keep raising my principal? I contacted an HUD counselor (this was before I was notified that Ocwen still wanted the money that was paid through the bankruptcy) on 3/23/13 to try and get some help with a hardship modification (but still making my monthly payments on time) and the counselor sent Ocwen the paperwork and Ocwen has not contacted us or started our loan modification and stated that they had not received the paperwork that the HUD counselors sent to them on 3/23/13.

This company is terrible and very disorganized. Ocwen Loan Servicing LLC needs to be investigated. This is wrong & illegal what they are doing to people. I am trying to save my home which is covered and paid through the bankruptcy. Make your voice heard! File a complaint with the Florida Attorney General & occ.gov.

Ocwen immediately started pressuring me to "save" my house; I'd have to do a loan modification with Ocwen. I repeatedly called to advise I came from Chase with loan mod in place. I received a total of 13 threatening letters from Ocwen about saving my home and loan modification. I received two phone calls from my assigned "counselor" regarding the necessity of a loan mod to save my home. It's important to say I was never behind in payments more than 15 days. All months were current. I finally contacted Consumer Financial Protection Bureau for help. Within 3 weeks, I received a letter of apology from Ocwen stating to please disregard all 13 letters demanding I do a loan modification.

Jump to December 2012. By this time I had realized to not send in a check for mortgage payment. It would sit somewhere for days until payment was applied. So I started making MoneyGram payments for next day delivery. On December 27, 2012, I received a default letter from Ocwen. My MoneyGram payment was applied to my account on December 28, 2012. Yes, it was late but still within the month of December. Ocwen states that even one day late on payment can throw your mortgage into a default status. Again, I contacted Consumer Financial Protection Bureau. That agency once again was able to set Ocwen straight and I received a letter stating the one-day late rule of default from Ocwen, but really, I wasn't in true default. Ocwen was granted permission from Fannie and Freddie to wreak havoc with mortgagees. I've heard true horror stories online and on the Ocwen Rip Off page on Facebook.

Why is this company allowed to exist anymore? Did the financial fiasco of 2008 not prove certain lending institutions operate fraudulently? I know there are several class action lawsuits against Ocwen. I'm hoping Ocwen will be dissolved. I've heard Chase is the parent company of Ocwen. Can you verify that info? If so, that's how Ocwen gets away with such illegal practices. Big banks always win. Even after 2008 and the downward spiral of the USA, big banks always win. It's shameful.

I told him it's fraud and I want it corrected immediately, and I will take this up with the Step Forward Housing Authority in my state who monitors and works with these mortgage companies to help them dole out the billions of dollars that has been so graciously handed over to the mortgage companies by our federal government in order to help the poor citizens who are on the ropes because of these subprime mortgages. The scam appears to be that while they generate mountains of caseloads and paperwork to meet the criteria to receive all of these government funds, they shift these cases to fit criteria for denial instead. They keep the money, and we go off and lose our homes or have increasing hardship heaped on our families instead of a manageable interest rate and being happy paying our mortgages off.

In 2012, PHH sent me a letter demanding that I have to pay the shortage which I knew I don't have a shortage because I paid the amount over the payment each month all along. I called and asked for the statement for them to provide me the fact but they denied doing so. I want to know where my money went. I went online. They even blocked my account and I couldn't access to my account online. I contacted them so many times asking for a statement. They claimed that they sent one to me but they never did.

So if I didn't see where my money went, I would send my money to them! I also went to my Tax Dept. in my town and found out about my tax and my house insurance. It's only $81 but this PHH Mortgage wanted to collect the money from me of $499. I called and asked them why. They couldn't produce answers and gave me the statement! Finally, in February 2013, we wanted to do refinance. We gathered some money and paid them $495.

Two weeks later, they demanded and wanted more money, another $166 and sent letters saying our house was in foreclosure and also they have been harassing me at work. They called my work and hung up and called back this whole week! I don't owe them any money! I paid my mortgage on time and never missed a payment. I was never late! This company is out of line and outrageous!

We have been in contact with the Insurance loss department every day since the end of March to no avail. Now we have gone into foreclosure processes, which is detrimental to our credit scores, because they can't seem to figure out how to pay off the loan and release the remaining monies to us. I finally get someone who speaks English (native to the United States), and let me just add that just because you can speak the language (any language) does not mean that it is understandable to the indigenous people of the country (sorry). She tells me that they sent a payment to our contractor who was already paid through the insurance company when they sent a payment to the township where the home was located. Wonderful! Now, we have to sign some affidavit that they have to request from management then fax to us, which takes 24-48 hours to do (I can do this in 30 seconds).

Our turnaround time once they request payment is 2 weeks. Are they serious! On top of that, they are charging us interest, late fees, assessment fees, foreclosure fees, when they have been holding our money hostage since March 27, 2013. This is illegal! If they do not return those monies, we will be seeking legal action against them. I do not suggest that anyone work with them.

I just got a statement showing a payment due for April 1st. I knew something was wrong. We called in and could hardly understand the person we spoke to. But the gist of it was that they applied our payments to the March mortgage (which we had already paid to the previous company). They wouldn't budge. We were advised to get "proof" and send it to them via fax. I called Homeward and while Mike verified he showed we paid March's payment on 3/1/13, the only thing he could do was advise me to request a payment history via fax which I did, and I have not received anything to date.

It's the 11th and now Ocwen is going to report that we have not paid our April mortgage. I do not know how they can get away with this. If they bought the loan, isn't it their responsibility to verify what month we were paid through? I don't think I have much recourse because they have all the power. I think they are trying to purposely make us default. I think I will be speaking with an attorney (which I cannot really afford either), but I don't know what else to do. First experience dealing with them and it's horrible and stressful. We are trying so hard to pay all our bills on time and stick to a budget, live within our means, etc., and this is the thanks we get.

I called my bank again and they informed me my routing numbers are not used in electronic transfers. Katrina would be able to get buy out papers to me within 24 hours though. This is fraud at worst and deceitful business practices at best. I sent an email to both of my Senators and my Congress Representative. I left a message for my original mortgage broker to see if she has any suggestions. Now, I'm going to contact my State Congress person. Please do the same. This is ridiculous. I feel trapped by Ocwen. I will be escaping after this payment is posted.

To make matters worse, you have to deal with outsourced, incompetent, non-English speaking people who don't understand anything about the American banking system. I do not live in FL where this bank is located and I even wonder if there is a building with Americans in it because I do not get the impression there is. Also, you need an appointment call set up to talk to someone ever. What on earth is that about? Thanks Bank of America for putting us with this bank against our will (your review is next) and thanks to Ocwen for most likely being the next news story I will read about for being shady. If you are thinking of having a loan with these people, run very fast. Or if you had your loan sold to them, I would change it as fast as you can.

Well the county courts in Florida seem to ignore the law and allowed a foreclosure by the HOA despite no service of process on anyone. We were contacted by a lawyer on June 5, 2011, advising us that the home was to be subjected to sheriff's sale on June 10, 2010. We immediately contacted Ocwen, who stated they would get involved and handle the matter as we were to arrange a deed in lieu. Ocwen did nothing. We sought advice from the state's attorney, who advised us that the matter was now between the HOA and the mortgage holder as the court records confirmed that a fraud had been committed. The HOA stated that there was no other pending actions despite the fact that they were named and served as defendants by the mortgage holder.

To this day, Ocwen still sends regular statements and shows us as the owner of record. Little did we know that Ocwen was not legally registered to service the mortgage! Ocwen is still reporting that they are foreclosing on a property that was sold almost 2 years ago. I have all the documents, court records included. How can a mortgage servicer operate illegally? How does the mortgage holder permit this? These people continue to operate and the company grows while someone should be in prison. There's a lot of case law out there denying Ocwen to any rights to foreclosure and legal opinion that they committed multiple frauds. Check with your State Attorney General before you allow yourself to be bullied by Ocwen or anyone they supposedly represent. They may have no claim to your mortgage.

After some false starts with our local broker, we just concluded an excellent experience with Quicken Loans. It was especially fun ignoring the pleading voice mails and postal mail from PHH, suddenly desperate to offer us a refinance once they realized we had freed one foot out the door. For anyone who has their loan with PHH, I strongly recommend leaving them for Quicken. Quicken Loans' personnel were professional, efficient, and courteous - not to mention saved us scads of money over the life of our (now shorter) loan.

So the next day I checked my bank account and the returned payment was showing as a pending ACH withdrawal to come out that night. I called Ocwen. They couldn't do anything about it because both payments had already gone through. The payment by phone had not. I work in accounts receivables so I know for a fact you can reverse a payment if it hasn't cleared yet. So I called my bank and did a stop payment for the online payment and just let the payment by phone clear. I checked my account online on the 18th and the March payment had posted. My mortgage was current and everything was fine. I got a call yesterday from Ocwen and they told me I'm 3 months behind! What?!

I explained the situation with the March payment, yet she continued to tell me how much I owe for the 3 months. I said several words that have never come out of my mouth before and told her I didn't owe her a damn dime! With her on the phone, I pulled up my account and they have reversed every single payment (even though they cleared my bank) for the past 3 months. It is showing me 3 months behind. In addition to that, they also posted 4 random payment amounts that I never made, reversed those, and then charged me late fees and other fees for those payments that I didn't even make! I have never seen such an incompetent company in my life!

Today I faxed a copy of every email confirmation I have received, along with a copy of my bank statements showing where the payments cleared the bank. I also downloaded my payment history from their website into a spreadsheet and made notes to show what was correct, matching the documentation I had provided, and notated what was incorrect. All of which was done on March 20th. I got home today and there is a strip of paper taped to my front door saying a loan counselor came by and the inspection attempt had nothing to do with a debt collection. What mortgage company actually sends people out to the homes? I have never heard of that before. They aren't even local to me. I tried calling this loan counselor, but the phone number on the paper was just the customer service number so I didn't even bother.

I am so confused and so upset by this! If this isn't straightened out by next week, I will have an attorney handling this for me and you can add my name to the list of people that won a case against them, because this is absolutely insane and totally unjustified!

Let me say that losing your home isn't the end of the world. You can buy another one after 3 years date of sale or sheriff sale. Quit paying these people more money than your house is worth. I am waiting for them to start playing the game with me. I will live here rent free for a long time. So keep this in mind, they really don't want the house because they already have a surplus of them to try and sell, plus they could take 2 years to get you out of it. And what condition will it be in when they get it after it is stripped of all the value?

I know you really don't want to lose your home. Take a step back and look at the big picture - owe more than its worth? Plus, they'll take your money and still foreclose on you. Renting isn't that bad, that's all I've been doing for the last 5 years. You cannot refinance a mortgage that has been discharged in a bankruptcy, I have tried. The underwriters will not touch it. I hope this helps. Stop giving these people your hard earned money because they do not care about you.

After a 2-day delay (it would have been more if I hadn't persisted and been troublesome), they responded that no doors had been installed. “Look at the photos your inspector took,” I said. They said, “Well, those aren't doors. Those are windows.” I pointed out that the tops of these "windows" were all evidently at 6' 8" - i. e., the height of doors, and that the bottom of the doors were obscured by the terrace - meaning that the guy who took the photos never bothered to get positioned so that he could photograph the entire door. More delay, I finally got a check for about half of what I'd asked for. Their routine response to any of their many screw-ups is never to apologize and never to explain. Horrible company, horrible service, bad employees, and bad attitude. (Other than that, though, just great!)

Every time you call them, they pretend that they do not understand what is being said. They keep passing you to different individual whom you can barely understand. This company is worse than arm robbers because they knowingly steal from customers and are not being sent to prison. All Ocwen customers should file a class action lawsuit against these thieves and I am taking legal action against this useless company.

Now March 21 I have another call coming in from the relationship manager. Let's see what happens. I told them I was calling the newspaper and not just the local rag! This must stop. Listen, don't give up! We all know they are underhanded and are self-involved. Stand up, stand firm. Don't leave your home. If you do, they would win their game against you. I promise I'll keep up the posts and let you all know what's going on. It's been over 8 months for us and they still can't get their crap straight! In January they told me I made less than .01 cents a year! What?!

This is what I'm telling you. Keep records of the conversations and anything you mail to them. Ask for a reason on what made them deny you a modification. Tell them if the info is wrong, then reapply. Let them know you're not taking that for their reason. It's just not good enough. Okay, this is long enough. Peace to all.

I was told last week they were sorry I was inconvenienced and they would wire back one payment to my bank. It has not happened. It has been a week. I have talked to several different reps and supposedly account specialists and supervisors (namely Rizwan, Mahesh, Arul, Ajay, and Caul, people I can barely understand). The bottom line is that no one can tell me if the money was yet wired or when it will arrive. They all admit it was a bank error but can't or won't go beyond that except to say it may have been sent or will be sent or was sent, but I just need to give them more time!

They have to talk to the concerned department (?) which I think is also this cashier department. Each rep continued to put me on hold again and again. One rep told me the problem was that each department worked on different shifts. Some days, some nights and they couldn't contact them and wouldn't let me. Another ineffective, non-communicative bank/mortgage company that lies to people. So what else is new?! I am just very, very frustrated and needed to vent.

Finally, almost a month later, we received the letter saying, “Welcome to Ocwen.” I had no idea what kind of nightmare this was going to be. They were saying that we were 6 months behind and that we owed $8,000.00 in back escrow, which I know that was not correct (had we been 6 months behind, foreclosure processing would have already been started). They then told me that we would need to pay $14,500.00 to catch the account current. We did not have that amount, so they said that they would honor Litton's agreement for the repayment plan. So every month, on the last day, I have paid them $1,239.00 for the last 17 months, which is more than $21,000. We will continue this amount until July 31, 2013. That is when the total amount would be caught up and then we would go back to paying the regular payment of $918.00. So when I made my payment on Feb 28, 2013, they informed me that we were still 3 payments behind (that totals $2,700.00) and the outstanding escrow balance was $5,000.00.

So on November 1, 2012, they had increased our mortgage payment to $1,815.00 per month for a year to pay the escrow amount. So now our mortgage payment has doubled. But the good news was that they were letting us keep the repayment plan. What is the good news? We are now paying the $1,239.00 monthly and they are charging us a $25.00 per month fee because we have a payment shortage, plus we are being charged $45.00 a month for a late payment plus they are tacking that $576.00 shortage on the loan. So every 3 months we pay the $1,239, which is $3,717.00. It catches up 1 payment of $918. At this rate we will never get caught up. I am beside myself. If they know we are struggling to pay the $1,239.00 every month, then they know it will be impossible to pay $1,800.00 a month.

The only choice I am finding is to just let them have our home and file bankruptcy. I do not think I have enough strength to keep fighting them. I am more than happy to pay for my home because we built it 12 years ago. We owe $124,000.00 on it now. And our rate is fixed at 7%. How can they treat us this way and get away with it? I drive a school bus and work at one of our schools where I live. I work 11 hours a day and do bus trips on the weekends. I work hard to pay the bills just to get an India stab in the back. If anyone has any suggestions, I would love to hear them. I cannot sleep at night because I know no matter what we do, we have no chance of saving our home.

Then they still keep sending you statements saying you owe them money. And what's with all of the crazy charges? They charge people that nobody understands. Their customer service is the worst I have ever had to deal with and I have never once talked to a representative that spoke English! This company should be ashamed of themselves! They more or less force people into foreclosure. What kind of mortgage company is this? I would stay completely away from this company if it's at all possible because it's like a nightmare or a bad dream you never wake up from. It's awful and that's being nice. I am utterly and completely disgusted! I have also checked into getting a lawyer because this is the second time something like this has happened to us in the last year and a half, and I think it's about high time Ocwen is held accountable for their actions.

Shortly thereafter, he received a letter stating he was late. He instantly called them. They informed him that the payment was in the loss litigation department and not to worry, payment would be properly applied. We are now into March of 2013 and we still are fighting these people about this payment. Their story has changed numerous times. Now they say he is a payment behind from 2007. Mind you, we have been told many different stories. He is currently trying to purchase another home and due to PHH's incompetence, we are having a difficult time. We have requested for our payment history back to 2007 and still have not received it. They have lied to him so many times!

They now say he also owes for 4 inspections that they have had done on his house, which they say they can do anytime he's behind. He asked them about this as we have never seen anyone or even spoken to anyone. They informed him that they just drive by to see if the house is being lived in or if it was abandoned. I know sounds good and all, but the ironic thing is our house sits almost a 1/2 mile off the road. No way you can see the house just by driving by another fine example of questionable fees.

Now as of last week, they say he missed his October payment from 2012. We now make all his house payments over the phone, having to pay an extra $17.00 so we can be positive they receive it, but yet they still cannot get payments applied properly. Something needs to be done. We as a consumer can't do it alone! Help!

Each time I contact Ocwen, I am told that another request has to be submitted and I must be patient for another day or week. The Ocwen staff has been nothing but dismissive of my requests and they refuse to help me "now" because it seems that none of them have the authority to speak directly to managers of other departments. The English is broken at best most times and I have trouble reaching my account manager because nobody will give me a number to call her. Again, I have to submit a request to get her to call me back? As a result of this, I cannot begin to process my 2012 tax return which affects a total of 4 partners who are waiting to file their returns now.

My concern is that Ocwen is not handling my payments properly and if they are, why is it taking so long to get 12 figures broken into principal and interest payments? My level of trust is gone with them and I now feel that they may not be on the up and up. I have considered contacting an attorney but as a small business owner, I do not have money to pursue a lawsuit. However, this organization should be looked into for their practices. Through my research of the company, I have found other complaints of mortgage amounts changing without reason.

In the meantime, The Federal Housing Finance Agency came out with a new program through Fannie Mae and Freddie Mac for the assistance of military members in the form of short sales or Deed in Lieu. I started the process in June of 2012. I talked to PHH Mortgage and they said it would take 6 weeks to complete, and not to make any more payments because I was current on the mortgage and it would be done quickly. I sent in all the information they asked for and they confirmed they received it. I called every other week, up to every third week to find out the status and always was told they were working on it. In September, I received a Notice of Foreclosure. I called right away and they told me to ignore it; it was just a formality. I asked if I should send a payment, but they told me no, it wouldn't do anything. I sent one anyway. They returned it. I was only two months behind and foreclosure was not supposed to happen until October. They started it a month early.

I have been dealing now with Cartus, a company working for PHH Mortgage, trying to finish the Deed in Lieu. PHH Mortgage then set an auction date for February 5, 2013. They have all the paperwork but are stalling the Deed in Lieu process, saying they need a BPO on the house that they ordered in December 2012. I got the auction date postponed, but they just set a new date of April 5, 2013 and still no BPO. The representatives from Cartus (managers and case workers) are frustrated with PHH not responding to them like they have not been responding to me.

This program by FHFA was put in place to help service members that were displaced from their homes because of duty. As it is, PHH Mortgage is not doing their part and is compromising my credit and ability to do our jobs. The bottom line is, they agreed to do this with me and to follow the program, but are now pushing foreclosure and refuse to talk to me or work something out. To me, this is why our country is in the condition that it is, and it is consumer fraud, to say the least.

They say you can get rid of it by going paperless, but for me it is not an option. Why should I? I have been a great costumer for over 10 years. I am an investor, and with 18 mortgages and other bills to pay, having the coupon book helps me keep organized as well as having to mail payments in when my computer crashed three times before over the years. They blame it on Western Union fees, but they have always used Western Union. It is only now that they choose to charge the customers (who are already paying tons of interest) to pay their mortgage. Also, it does not cost $90.00 (the cost of the monthly fee times 12 months) to print up a coupon book and mail it to a customer. I use ASC, Citibank Mortgage, and Bank of America with absolutely no charge to pay on time! Time to refinance!

I'm waiting to see what happens. In the meantime, I am also waiting for my own modification, once again mailing paperwork and files to them with the comment “We didn't get all the paperwork.” My statement to them is "I mailed everything in the same package at the same time." Ocwen’s lack of organizational skills is ridiculous and it's not my problem if they do not know how to handle their own mail.

Ocwen has not been held accountable for their own actions. In the meantime, while Ocwen clientele wait for a response, they are tossing people into the street; all the while, Ocwen lines its pockets with net worth gain. Class action needs to be taken and I hope soon. I challenged them to do the right thing and prove the accusations incorrect. Let's see what comes to fruition.

In late October, I found someone to rent a room from me and help me pay the mortgage. I contacted PHH and they sent me another modification agreement. In order to fulfill that agreement, I had to make three mortgage payments of $1,155.70 within a month and a half (for November and December of 2012 and January 2013). I had the modification docs signed in front of notary and agreed to paying $1,155.70 a month going forward.

In late January 2013, I had not received a pay stub for the February payment yet, so I contacted PHH. I was told that they had to review whether or not my local taxes had gone up and see if there had to be a change in the monthly payment (escrow) because of it. Yesterday, I received a bill from PHH for February (which I already paid) saying I owed them more money than what the modification agreement stated and that this difference amounted to the additional $965 in back escrow - which they were trying to recoup from the 8 months I didn't pay my mortgage in 2012. They added the additional escrow (roughly $80 a month more) into my monthly payments, making those payments $1,235 a month for a year until that escrow is paid off.

Question: Do they have a right to go back and try to reclaim this money - after I signed the modification agreeing to a lesser amount? They never mentioned the back escrow in the modification documents. Never. Now, they want it after I signed the modification (and after I was thinking we were all set and that we mutually agreed to the monthly payment of $1,155.70!) This does not seem fair. I feel like I got blindsided. The $1,235 a month is more than I take home in pay every two weeks. I am again facing losing my house this year. To top this off, the home is assessed nearly $45,000 less than the mortgage amount. There is no way I can recoup this loss. I do want to stay in the home but desperately need a break. What is my recourse here, if any? Help!

In the beginning of this month (Feb.) 2013, my husband noticed there were Realtor signs in the yard of the house we own (we no longer live there). So, I then logged into my Ocwen account online, and saw that on 10/31/2012, a payment of ($7,105.54) and then on 11/01/2012 a payment of ($2,434.46) were made. (NOTE:) equals the amount of the insurance check. I called Ocwen, asking who signed my check. They said it was deposited after the house was sold. I said I was unaware the house was sold, and I have papers saying it was deposited before it was sold, and added to my account after it was sold.

After 3 hours on the phone being passed from person to person, the last one hung up on me. I then found out, they never contacted the first mortgage company, and they were unaware the house was sold as well. So with me ignoring my short sale papers and selling the house cheap at auction, they pocketed the insurance money, never made any attempts at fixing the garage, never sent me info for getting things done. I got my tax papers in the mail. I went to H&R block. They wanted to know why on my statement it showed the two payments but do not reflect on the tax papers. And they wanted to know why my husband’s name was on the papers and not mine. I could go on and on.

I have spent countless hours on the phone with these people, and none of them seem to know what to say or do. I did have a guy tell me they would refund that check to us, and them others say, too bad, your loss, not their problem, contact the new owners, and gave me their number, etc. So my next step is calling an attorney, then BBB. What else can a person do? So many mistakes were made, fraud was done, and is illegal for them not to contact the other mortgage company letting them know the house was sold. When I told Ocwen they need to contact the other mortgage company and asked them why they were not notified, they said it’s not their problem. (Sorry for skipping all over with my complaint, very frustrated.)

Two weeks later, we are now into December. They asked for two more bank statements because the original ones I sent are now more than two months old. I sent it. They asked for a letter from my employer with a date of hire and I sent that. I am now frustrated, so I called Nova Debt. They did a three way call. She asked what do they need to complete the application. They told her. She asked me to sign each sheet, put my loan number, date and number. I did this. This time I spent $25.00 at Staples to fax a 14-page packet to them. I received another letter stating my application was incomplete. I am now very angry. I asked to speak with a supervisor. He said that he had indeed received all information, but now he needs an additional form completed.

This is a form that asks specific questions about my hardship letter. He said it was included in the modification package. I never received such a form nor was it ever mentioned in previous conversations. They have managed to extend this delinquency, which was originally 3 months behind to now 6 months behind. He said to me on a 3-way call with a representative from Nova Debt that they require specific information and I must submit this information. I said, "Why wouldn't I submit it? I am trying to save my house."

They would not narrow down closing costs. They stated it could be up to $5,000.00. Come on people, I don't expect an exact closing cost, but “up to $5,000.00" is not how you do business. They would not take an existing appraisal and they made me do a second one. I got tired of waiting for response on a more precise closing cost and went with a different company. I’m still charged fees by PHH. I called the company to request that the fees be waived, but they said no. The entire process was very unethical.

These people only gave me $10,000 as of January 31st! They have had the money since November and this is all I've seen. The $10,000 was not even enough to complete plumbing and electrical work! They claim that for me to get more, an inspector had to come. The inspector showed up 2 weeks ago; and thanks to family and all of my savings, my home was deemed to be 75% completed. I am at a total standstill because I'm out of money and cannot do further work. Floors need completion; cabinets need to be ordered; furniture needs to be ordered for all my rooms, as my whole house was down the studs.

Ocwen claims they can’t release some funds, which is not even enough for cabinets and bathroom to be complete, until my home is deemed 90% done! I am trying to tell them it can’t be 90% completed until they release the rest of the money before February 15, when the adjuster comes again. They refused! So the adjuster will come on February 15 and deem the house 80% done. And I’m stuck, still not living in my home; but they still want mortgage payments or they will foreclose! Really?! Stay away from this place!

This went on for 3 months until I filed a complaint with the attorney general off, who then passed my complaint on to the banking department. They were able to get a copy of the "Notice of Servicing Transfer," which showed that Ocwen was deliberately sending to the incorrect address. After 2 more letters to the Ocwen's Office of the Consumers Ombudsman, the banking department was able to get Ocwen to start sending a monthly statement. Ocwen did not contact with any paperwork until December of 2012 with this monthly statement. On this statement, there were extreme fees and fines. This month, they have threatened me with foreclosure.

I have sent other letters to their Office of the Consumer Ombudsman and have called. They will not answer either letter or calls. The number they provide the person on the other end cannot resolve nor speak to the other departments or let you speak to a supervisor. I have no problem paying my bills when properly and legally notified. Amount past due, due to Ocwen's failure to notify me properly, is about $1,200, and the fines and fees are $1,500. They have also destroyed my credit rating, which has ruined a business deal on additional property.

Now, I received my statement and again they are charging an assessment fee of again $292. Again, I called and asked Richard, really an Indian named Richard, for the name of the licensed real estate agent that did the assessment and I was told inside information. I believe that inside information means they don't have any documents to back up their charges and fees. This has to be illegal and considered fraud. I sent a complaint to the Federal Consumer Banking complaint department again. Maybe the second time that Ocwen does not respond, they will do something. Very frustrating.

Over time, we began to receive notices from our credit card companies stating that our credit limits had been decreased. We also began receiving letters from "specialists" dealing with foreclosed homes. We began to suspect that something had changed with our credit score. Upon investigation, we found that PHH had indeed reported us to the credit agencies as delinquent despite telling us that our credit would not be affected by the forbearance status. Once we discovered that they reported us to the credit agencies, we contacted PHH and they stated that their definition of forbearance was that we would not be charged late fees, but would still be reported to the agencies. This was not what we were originally told and they tried to make a deal with us saying that they would still waive the late fees, but only restore our credit for one of the months.

We requested that they pull the call and they threatened to not only renege their "deal", but also impose the late fees that would have been charged had we not been in a forbearance. We requested to please pull the call as the original customer service representative had stated that going in to forbearance would not affect our credit. After pulling the original call, they confirmed that their customer service representative did, in fact, state that we would not be reported to the credit agencies while we were in forbearance. As a result, they composed a letter stating their error and told us they would rectify the situation with all of the credit bureaus. We have yet to confirm if our credit has been restored with the 3 agencies.

Since then, we have tried to modify our mortgage with PHH. We were assigned a case manager to help us with the process. Since July, we have been working with her on our loan. We were notified in September that in order to modify our loan, we would have to make payments that were slightly less (less than $100 difference) for the next 3 months. They stated that after 2 months, we would be given the terms of the new loan. We then come to find out that the terms of our new loan are almost the same as our previous loan. The interest rate is the same - 4.875% - and the payment is only slightly less. Since discovering this information, we have been trying to work with a case manager to modify this loan further as we cannot afford the loan at the current rate and there are much lower rates out there to refinance with.

Despite multiple attempts to connect with them, they refuse to answer us. We are starting to get concerned that our communication will continue to be unanswered and we will end up in foreclosure. All we want to do is refinance our home, but since our credit has been tarnished by PHH's error, it is very difficult to do so outside of their company. We do not want to walk away from this house, but will do so if we refinance to a payment that we can't afford.

Upon receipt of the packet, I immediately called them to inquire why the new payment was so much more than the old payment if the interest rate was lowered. They then explained to me that my principal balance was over $180,000 which was ridiculous being that when we filed bankruptcy five years before, our principal on our 1st mortgage was only around $135,000. I asked them where the monies that were paid to them monthly went while we were in bankruptcy and no one could tell me. Finally, after several calls, I got someone in the Bankruptcy department to review the case and they adjusted the payments; however, the principal balance did not change.

I advised that I was not going to pay them twice for months of payments that had been paid through the bankruptcy courts. I advised that I was not going to sign any final paper for a loan modification until this had been straightened out. I've had the courts send them documents and I've sent them documents from the courts and still we have no resolution. I need to know if I can get help because this is really frustrating and now since my payment on my 1st mortgage has gone up, it's hard for me to make my 2nd mortgage on time. This is really messing with my credit. Who would have thought that after 5 years of bankruptcy, I would be fighting with my mortgage company over money that has already been paid to them?

They researched my account and discovered that this was because Ocwen disbursed my insurance payment for the next year on the date that I closed. This person then proceeded to tell me that because this hadn't been paid 3-4 days after the payoff amount had been received, they were going to send the funds back. I explained that this was the first time in my multiple conversations with Ocwen that someone was finally able to tell me what was going on. I said I make a payment for the shortage amount now. They said that they would only take a certified check.

I was getting very frustrated so I asked to speak to a manager. The manager got on the line and told me they couldn't take a payment over the phone. He also said the shortage was outside of the allotted time frame, and they would be sending back the payoff amount. I thought this was ridiculous. He then told me that they could take a wire transfer, Western Union or MoneyGram, but that I needed to send the payment today or else they would return the funds. He said he would make a note on my account to hold off sending back the payoff but that there were no guarantees. I called up and sent a Western Union payment to them for the shortage. I am still getting calls from them. This has been the worst company to deal with, and I want to avoid them in the future at all costs.

I was again instructed to fill out the enclosed loan modification forms and send in required info to save my home from foreclosure. It is my understanding a mortgage loan cannot default due to late charges of $68. Ocwen Loan tries to intimidate consumers to do loan modifications. Why is this company still in existence? With the huge bank payout, why is this lending institution still practicing predatory means to get homeowners to do loan modification? I called Ocwen about the 12-27-12 default notice. When asked if I was in default, the rep hemmed and hawed and finally admitted no, my loan was not in default due to payment for December credited to my loan. Please do something about this horrible company. I realize Chase is affiliated with Ocwen. There is a Facebook page dedicated to the horror stories about Ocwen Loan Servicing. Why is this still allowed?

After several months of back and forth phone calls faxing and such, I finally get a forbearance program offer to me. Let me tell you that what it says on the phone and what they say via their own words are two different concepts. I've accepted the forbearance program happily that is until for some unknown reason they say they never received my November payment. Of course, they did. They received October's and December's. Come to find out, they did not receive November's until December 7th, so technically I wasn't late but to them I was and they decided to stop the forbearance program. I said that this is ridiculous. The program should not have been canceled due to mail error. I had proof of it being sent. They said that they would return the payment which I have not received back. They said I could redo the forbearance program with no problems. Once again, I'm faxing or mailing all the paperwork but by now, I told him I was not faxing any copies of the mail and I would send them via priority mail.

Ironically, they got the paperwork in the mail just in time. I spoke to them yesterday and there is nothing but aggravation. The left hand does not know what the right hand is doing. Ocwen servicing company is there to help the consumer save their homes supposedly. I don't believe this is true. Not only the incompetence but the aggravation of not being able to talk to an American without an Indian accent. I really do feel a class action is necessary to stop this company from doing whatever it is, throwing people out of their homes. I'm not done yet and I will get my way. I will take this to a higher court if necessary and I will stand on my soapbox against them. I am keeping my house and they have to offer a decent program until I get on my feet. Even with a forbearance program, you still have 30 days to send in a payment without being late. Anyone should know this. Do not give up. Do call. Keep close contact and get written paperwork from them stating the program that is available. Do not take no for an answer ("I'm sorry we cannot help you"). There is help and they are there to do it. That is their job. Class action must be taken now!

Ocwen, it seems to me, is only there to gain property for their net worth only not to help the homeowner save their home. Isn't this what the president offered to all homeowners that are having problems that were laid off and floundering to be helped? Don't give up hope. There is help and all our prayers are with everyone who is having this occurrence happened to them. Do not leave your home! Mr. President, did you hear us? If this does not get fixed, something far greater will occur. I'm angry and I am not taking it any longer.

As my voice message to you on Friday, January 4th, was explosive, they will continue to become more explosive and more written complaints will be forthcoming until the changes are made to my illegal loan modification. Ms. **, you state in your response Homeward has responded to me with Tact and Professionalism. That is far from the truth and you only communicate it that way because you're responding to the agency that I have complained to about your organization. It's a disgrace that American Home Mortgage, Homeward Residential and All Mortgage Servicing has devalued the finance and banking industry with your poor operating standards.

Ms. **, when you apply for a mortgage or car loan, do you just sign the paperwork and submit to the finance department? No, you meet with the finance person and ask questions. In my situation, I was forced to sign my loan modification to not lose my house and it was signed under duress because no one in your organization would return my phone calls to go over this illegal loan modification that Homeward created. No one in your organization, from the bankruptcy department, Diana ** in the escalation department and my loan negotiator ever returned my phone call. If you call this professionalism, ma'am, you need to step back and return to business school and treat people with respect and not on the greediness that Homeward has trained you in. Then on top of that, to make matters worse, you tell me it's not negotiable.

Your letters regarding my denial for the Hamp on Tier 1 and Tier 2 are full of **. You keep forgetting that it's you, the greedy banks and investors, that have gotten us into this mess back in 2008 and don't want to give up the high principles that you all created.

I have filed my letter with your organization's decisions about my denial back in November for a second 30-day review. As I understand after speaking with Homeward or Ocwen, whatever your name is now, on January 3, my account was noted that you received my letter from November 2012 but is on hold for review on January 31st of 2013. That is 2 months. You created a loan modification that would force me into default and never should have written, created or offered such a ridiculous loan modification in the first place. For example, a $100,000 balloon payment that will be due when I am eighty years old(?) and a home that will be 67 years old? The home is practically falling apart. With a flooded basement, the foundation is already compromised. The foundation drainage pipes from the 1960s are collapsed and need to be replaced. The water is coming in through the window and the fireplace pit in the basement. You, Ms. **, and Homeward Residential are beyond greedy and inflating hardworking Americans' mortgage payments for your 18-karat gold toilet bowls in Coppell, Texas.

Ms. **, your statements on your response to Mr. ** regarding the number of loan modifications is false. I was the one sitting in Bankruptcy Court starting in 2008 representing myself after just losing my mother who was terminally ill, racking up medical expenses and unable to pay the mortgage so you turn around and add arrears, taxes, penalties, post office fees, copying fees, the list goes on and on. There was never a 1st loan modification. After bankruptcy, it was called a refinance to get me to assume the mortgage and get my name on the loan. The first loan modification took place in 2011, which I fought for a correction which I then signed for in April 2012 under duress. There have only been 2 modifications, Ms. **, not 3. Get that straight before you write or open your mouth.

Also, Ms. **, for your review and to take effect this month, which does include Ocwen Financial Corp. are the proposed changes to the Mortgage Servicing rules. Finally, something is being done to protect the hardworking Americans, except it's not enough. I will continue to fight to reduce this mortgage principal, so be prepared. I am not stopping.

Servicing Rules: The qualified mortgage rule will apply to mortgages in the underwriting phase. Servicing rules will cover major banks including Charlotte, North Carolina-based Bank of America Corp. and San Francisco-based Wells Fargo & Co. (WFC), as well as non-depository companies such as Ocwen Financial Corp. (OCN), based in West Palm Beach, Florida.

We've called Ocwen and of course, the people in India have no idea about being able to resend a foreclosure. We would need to speak to a supervisor, but all the supervisors were in a meeting and they were not sure how long it would last. Would we like them to call us back in the next 24-48 hours? Still waiting. We have until tomorrow to answer the eviction papers. Merry Christmas to us and our kids.

Unfortunately, at the bank, the right hand didn't know what the left hand was doing, and the loss mitigation department notified me the home was scheduled for foreclosure auction. I contacted the bank, and they assured me that it was just a formality, and they would cancel the foreclosure sale since we were in the process of getting the loan modified. I kept checking back with them every few days to make sure that they had cancelled the sale. Finally, two days before the sale, the Loan Modification department told me it was too late, the home was going to auction, and there was nothing they could do about it. Something really needs to be done about this illegal racketeering.

I call and talk to people from India who tell me something different every time! They want me to sign documents saying that the checks will go directly to the vendors, but the work has already been paid for. They can't change the rules after the work was completed. We were following the prior mortgage company's rules. I call and call and call and try get it escalated back to the States, and they say that it will be taken care of. It's never done! Our last resort is to get an attorney. This is the worst company! The only thing to do at this point is to get a lawyer! Any guidance would be appreciated.

In April, we received a letter from the Modification department asking us to mail more documents, which I had sent twice already. By May, I called the case manager and she did not seem to know what was going on (delaying modification) but after consulting with her superiors, she asked me to email her the same documents once more and I did. Despite the assurance (send this and we can go through modification), we kept receiving (by mail & email) requests for more documents from different people in the Modification department!

Early August, I was assigned (temporarily) a case manager because mine went on vacation and she asked me to scan modification documents (which by now I had mailed, faxed and scanned several times). I obliged and she informed me (via email) that their Staging department is working on our modification. Suddenly, two weeks later, I received a letter from PHH Mortgage lawyers informing me that our home will go on sale the next month!

I called the case manager to find out what was going on as the last time we spoke she had told me that my home was in the process of modification. I left messages but she never returned my calls. This seems to be a recurring issue with PHH. So, I emailed her and scanned the sale letter from their lawyers. She finally emailed me back but with, "Email me (listed) documents so we may postpone the sale." I had been sending and resending documents to PHH on a regular basis with a promise of modification (somehow my home still went up for sale) and now they were doing it again, asking for more documents. She also informed me that my case manager was back and that I should communicate with her, but despite numerous calls, I was unable to reach her and I never heard back.

Despite PHH's promises and assurance of modification, they never did anything except ask me to send and resend documents, while letting me believe I was still under consideration for modification (even though the other side of them is foreclosing!). The day before the indicated sale date, my case manager finally called and informed that my modification was denied and she doesn't know why.

PHH never mailed me a Modification Denial Letter, as is required by law, and they informed me of the denial the day before the sale! A real estate agent showed up a week later and told me to vacate my home without showing me any documentation of sort. I called PHH to ask them about it but they told me that my home did not sell and transferred me to REO department where I left a message. I continued to call them, but they kept telling me my house did not sell and proceeded to transfer me to REO department who never returned my calls.

Three weeks later, we received a 3-day notice from PHH lawyers (different lawyers this time). I sought the help of friends in realty (and eventually lawyers) that reviewed my documents and determined it was a wrongful foreclosure. Along with professionals in the business, I called PHH and we spoke with several people, including the vice president's office. The supervisor we were eventually assigned reviewed the facts (after a long discussion!) and admitted that our home was wrongfully foreclosed, assuring us that the three days notice will be recalled and our home put back into modification.

Another supervisor from PHH called a few days later regurgitating the same information as the first (the home is being returned to modification) and that we should continue to wait for the formal letter. However, two days later, the same supervisor called and said that the Legal department instructed them not to proceed with the reversal from wrongful foreclosure back to modification; it was not in their best interest!

PHH and RBS CIitizens Bank are admittedly wrong and should take responsibility they should follow their credo, honest and ethical everyday. I have learned that when it comes to PHH:

4. And phone calls are rarely returned.

I have sent mortgage payments by mail to both Litton/Ocwen and the checks went uncashed. As with others, I have been told everything under the sun as to why I have not been approved for a modification: illegible documents, not received at all, checks not received, wrong information provided, incomplete information provided! At this moment, 48 months and counting, I am awaiting a modification from Ocwen and have been penalized $170K in interest and penalties and late fees. Ocwen does not want any mortgage payments from me - they only want to take the house.

Sadly, the FTC, Fannie Mae and Freddie Mac and HPAP, have done absolutely nothing to prevent or enforce rules against these companies as evidenced by the many, many pages of complaints which go unattended thus far.

I cannot get any other mortgage company to refinance me (and I have one waiting to assist me) until Ocwen contacts Freddie Mac. Every time I call Ocwen, I get another person who sounds like they are from India. Always very polite people, but they can't do anything for me! This whole process has been beyond ridiculous. All I want to do is lower my payments, which is possible upon refinancing, but am not able to because of Ocwen. I don't want to face foreclosure and want to be responsible for my payments. Ocwen is beginning to make this seem more and more of a hardship for me.

The guy asked if I wanted to reschedule. I said I need to speak to him ASAP. I am going into foreclosure on the 21st. I need help. He said we could reschedule for the 24th. I said, "I need to speak to someone before that!" He said, "How about the 25th?" He said the case manager can help me and provide me with different options. He told me I could reinstate by paying my mortgage up to date. I said, "Don't you think if I could do this I would have done it?" He replied yes. I hung up on him. Five minutes later, the case manager called me, aware of my conversation with the other Indian. He too was from India. He told me my mortgage company does not do loan modifications and that I have three options - short sale, turn over the deed, or reinstate. I said I am not selling my house for a short sale nor am I signing over the deed. He asked, "You want to keep your house?" I said, "Yes. Can I make a payment and a half or something until I get caught up?" He said no, I need to reinstate by sending the full amount.

Why did I bother to submit all this paperwork? Isn't it funny how you call their phone line and it says they are a company which helps homeowners keep their homes? That's bull crap! First option he gave me was short sale or signing over the deed. Can anyone help me? Apparently, Ocwen is not a good company. Shouldn't we have a say as to who purchases our mortgage? If I wanted Ocwen, I would have applied with them.