Onity Mortgage Reviews

My loan was taken over by Ocwen on 11/1/11 and within 2 months, I was charged an assessment fee of $292. I was told it was due to being delinquent on my payments, which they were not. They were always received before the 15th of the month. When I called, I was told first that it was due to being delinquent, then it was per my original mortgage contract with the lender. I read the original mortgage and nope, not there. I called again and asked who did the assessment and they said it was inside information. I stated that no one came to the property and they said they did not have to. I asked for a copy of this assessment and they said they didn't have it. I told them that I will not pay this fee. I have been paying my mortgage for a year and every month, they charge a late fee for non-payment of this fee.

After exhausting a great deal of our reserves due to the economic downturn and a loss in pay, we could no longer pay our mortgage, and our current interest rate was much higher than refinance rates. In April 2012, we contacted PHH to look at options to assist us with our financial situation. We were told that we could take a 3-month forbearance. I clarified with PHH that this would not have a negative effect on our credit and was told that it would not. I was briefed by a PHH representative that the 3 payments would be added to the end of the loan and there would be no negative reporting. This was extremely important to us as our credit was excellent and we thought the forbearance would give us the appropriate time to refinance out of PHH and achieve our goal of reducing our interest rate and lowering our monthly payment.

Our monthly payments were $623 a month and, now, they are $1,061 a month. We filed for a modification to spread this payment for escrow or something and to lower our interest rate to 7.9% especially as bad as the economy is. Everyone else was offering 4.0% and lower. They called us and told us we didn't qualify for anything. They said that our gross income was enough to pay the monthly amount. I told them we have other bills to pay and child care, food, and the man on the phone who could not even speak English clearly told me that the expenses didn't matter, just how much you make(?). Wth, are you serious? So none of the government help. Well, guess what? They didn't help; they wouldn't even work something out with us. I am so angry that their so-called hardship review was nothing but a joke to them. All he said was, "Well, you can reapply but still doesn't mean you will be approved." Then, why waste my time? I hate Ocwen. Someone, please put them out of business.

Ocwen bought our loan for HomeEq Service Corp. back in 2010 while we were in Chapter 13 bankruptcy. Our bankruptcy was discharged in September 2012 and since then we have had nothing but problems with this company. We applied for a loan modification so that we could get our interest rate lowered and was approved for a much lower interest rate. They mailed us the paper work and advised that we would have to make 3 trial payments before the modification could be finalized.

I sent in the first documents in November. They confirmed receiving them. I sent additional docs on Dec. 3, 2012 through FedEx. I have tracking #, and they deny receiving them. There is no response to phone calls.

I sold my home on December 27th. Ocwen provided a payoff quote that was good till January 16. 3-4 days after closing, I kept getting calls from them saying that I owed for the month of January. Their service is based overseas. I spoke to someone and explained the situation, and they said they would review and get back to me in 4 days. At the start of a new week, prompted calls again from their service saying that I owed for January. I explained the situation to a new person, and after being on the phone for 30 minutes with this person, they said that my payoff amount was short five hundred and something dollars.

I filed a complaint in May 2012 against Ocwen Loan Servicing. My loan was transferred from Chase to Ocwen in April 2012. Immediately, I was barraged by requests to fill out paperwork for loan modification to save my home from foreclosure. I was current with my mortgage payments. I called countless times to try and clear this issue but was never able to make anyone understand I did not want or request a loan mod. Now, I have been unemployed and drawing unemployment. This began in September. My October, November and December mortgage payments were late but paid by the end of the respective month. Ocwen Loan sent me a letter dated 12-27-12 stating my loan was in default. My payments were all paid by month's end for October, November and December.

Early spring of 2012, my mortgage with Saxon was sold to Ocwen. I was in the middle of a loan modification with Saxon when this event took place. Ocwen was unable to find my loan number for well over 2 months. Once the loan was found, I told them that I was in the middle of my vacation with Saxon and wanted to continue some form of service so I could save my gone due to the fact that I was unemployed. They requested all the paperwork as usual. I faxed at least 20 pages 5 times over. With all this malarkey taking place, time is being wasted. Every paper that I faxed needed 30 days to be reviewed. There was a strong essence of lack of communication on their part. I spent a lot of money faxing paperwork to them.

We have our mortgage through PHH for 13 years. We have never been late on our payments (direct debit) and our credit scores have been fine. Sometimes, the escrow account would be overpaid and we would receive a check for the difference. And sometimes, it would be necessary for PHH to increase the amount to balance the account for the following year. Everything was fine and basically still is. However in 2008, we received a letter from Morgan County saying our home was to be sold on the courthouse steps because of back taxes. When we called PHH, they said the best thing to do was to buy the house when it came up for auction! Because it is such a small county, the tax department explained what to do. We finally got everything arranged, but what I would like to know is if this manipulation is common?

Please note your response does not bring this matter to a close and forwarding all your attachments as proof never will. As a personal observation, you are only an Escalation clerk; it's up to the bank examiner if you violated any banking laws, not you or Homeward Residential or whatever your name is now.

I have been talking with representatives of Ocwen about making reinstatement payment. They continue to tell me it can't be done. My reinstatement amount is $2,665.00 and that would bring me current, except fees owed. I agreed to make my January 2013 payment before the grace period of Jan. 10th and they refuse to accept - stated they would send back. In November, I asked about a forbearance and they said they don't do that. Yesterday I spoke with a representative and she stated they do, and that I was scheduled an appointment with a relations manager for Jan. 9th for a modification, but I can ask them for a forbearance and the lender I have accepts forbearance. I am so scared because they said foreclosure procedures had begun, but I haven't received any paperwork. They don't act like they want to work with you to save your home.

My monthly mortgage payments have increased from $887.53 to the current $1,040.10. There has been no increase in the home insurance premium and property taxes for the residence, and the current loan modification contract is effective until August 1, 2015. I have sent a letter requesting an explanation and have received no reply to date.

Loan modification - First I was laid off and not making enough money for a loan modification. Now I am back to work and they say I still do not qualify and make less than my monthly bills.

Ocwen also took over our loan and like most of the complaints, we have had the same problems with them not accepting our payments and saying they never received paperwork that was sent several times. They just foreclosed on our house and we didn't know of the foreclosure date until we received a call from a friend on that day asking what was going on. We called Ocwen and was told to call back the next day and see if our property was sold. We called back the next day and was told there was nothing they could do for us, our property sold at the auction. We never received foreclosure papers! We contacted the lawyers from the eviction papers, who told us we could probably have Ocwen resend our foreclosure and gave us the number of another lawyer who handled the foreclosure. That lawyer said we needed to contact another lawyer, who started the whole process for Ocwen, who we can't find.

PHH Mortgage is the worst. I had my home foreclosed on after only being 3 months late with payments. I was late with the payments because I was in the middle of the loan modification process with the bank, and they required that I not make the payments before they would even consider discussing a loan modification. I had extenuating circumstances that prompted me to go the loan modification route in 2010 (I was trying to get my interest rate reduced from 7.5% to around 4%). I sent them all the appropriate forms and paperwork, and when I followed up, they said they hadn't received it (even though I had proof of delivery from USPS). I re-sent the paperwork, and I kept following up with them, and I was given the runaround for almost two months. When pressed, they told me they were still reviewing the package.

This has been going on since June 28, 2012 and has not been resolved. Ocwen is a fraudulent company. They purchased my loan 2 months ago, and I had a loss in my home prior to the transfer to Ocwen, so our funds from the insurance were transferred over to them. The work was done before they took over the loan. As a matter of fact, we faxed over information with the bills to the prior company and never received payment. Ocwen has $20,000 of my funds and refuse to give me the money that is owed to me. The adjuster from their company came out and inspected that the work was done, so they know the work was completed. I have paid all of the contractors the money owed to them, and Ocwen refuses to pay the money back to me.

My house was in foreclosed back in 2007. But the second mortgage still reports to credit bureau as collection. I need them to remove this from my credit report. Ocwen should have reported as foreclosed instead of collection. Ocwen bought my original second mortgage from Washington Mutual. This is not a line of credit or personal loan.

Do not, under any circumstance, deal with the company! They are totally incompetent. After 5 months of getting the runaround in attempting to refinance my co-op, I was denied based upon what they said is my co-op's insurance. My management company said this issue has not come up with the many other refinancing they have dealt with other building residents and cannot understand the reason PHH has given me. I am now attempting to get a disclosure under the Fair Credit Reporting Act and for more than a month, I get no responses to either emails or phone calls. I am out $500 and another $350 to my management company. I am outraged at the service or should I say lack of service this company provides.

PHH Mortgage/RBS Citizens Bank are one and the same. We were in the process of modification through PHH Mortgage since late 2011 and around February 2012, we received a letter introducing us to our case manager who would keep us posted on the progress of the modification.

What is the motivation for Ocwen to freeze your account and prevent you from making payments? While most companies would gladly accept my money, Ocwen is doing everything in its power to prevent me from making the "correct" payment! First, I was told that I could not make a payment while they were trying to research where my payments to the previous lender were going. I waited. Then, I was told an amount that could be paid to reinstate the loan. I set up the wire that day and confirmed that the amount was received by Ocwen (but not credited to my account). The process, I was told, would take 24 hours. I waited. I am now told that the amount was short since we are in December and another payments is due even though they received the exact payment they requested. I cannot make any payments until they sort this out. Six days later, Ocwen is still trying to determine whether the payment should be accepted or rejected. I am still waiting. This is asinine! Who is running Ocwen!

I had, as many others, my loan assumed without any notification from Litton to Ocwen. Litton assumed the loan from Fremont. During both Litton's and Ocwen's false attempts to provide a loan modification, interest and penalty accrued on my loan principal, and as with other cases, I was told not to make payments during the modification. I have waited for a modification off-and-on for three years. I hired an attorney to take Litton to court for their actions. Their attorney provided a sworn statement to the judge that Litton would comply and offer a modification to me and they did not. I have paid thousands to an attorney. I have paid several thousand to accountants twice to have corporate self-employed taxes updated to qualify for the trial/modification with companies.

I have been contacting Ocwen for over two months to get them to contact Freddie Mac that my Private Mortgage Insurance has been cancelled. Ocwen either tells me to contact Freddie Mac, which anyone who does any research can tell you that Freddie Mac does not communicate with the public but only with the mortgage companies, or they tell me that I will get my letter to Freddie Mac within 24-48 hours. After that time has passed, I have been told that they actually need 15 days and that another department (which I cannot speak with) handles my request. This whole process is ridiculous.

My loan was purchased by Ocwen from Litton Loan in October 2011. In May of 2012, my payments went up from $839 a month to $1,254 a month. Because of this increase, I am unable to make my payments. I have contacted them and every time I get the amount they want, the price increases. I have filed with them a loan modification program and was told I was denied. I had a phone meeting with a case manager for today, November 17 at 4 o'clock but he didn't call so by 4:30, I called them. The guy on the phone (never an American, always someone with broken English from India) stated that I didn't qualify for loan modification and yes indeed the case manager never called me. Duh!

I had inquired about some papers. I was told it was going to take 3 business days for me to get the email with the papers. They charged my account for it within 3 business days and called them back. Every time I call, my calls were routed to India. They didn't know what I was taking about. I did the request 3 times and never got anything solved. Worst costumer service ever since my account got transferred to Ocwen.

My loan was sold to Ocwen from Saxon. We had filed bankruptcy and handed the house back to the bank. They kept on calling and mailing me statements. I called my lawyer and had her call them and give them the date of my bankruptcy and told them to cease and desist. They are still sending me statements. I am collecting them and plan to sue them for harassment.

In Dec.1984, I had an owner finance 15 years. I paid it off in Dec. 1999 but never closed it with Southwest title. I did an extension with Litton but was foreclosed on in 2004. I am trying to get my case number. HUD tells me to call Litton, now Ocwen, but all phone numbers do not work. If Ocwen would call me to let me know something. Allied Lending did the contract for the extension and they are gone. Since I paid off the loan, the case number should be mine, not Litton.

My wife and I applied for refinancing with PHH Mortgage. In 2008, PHH mortgage financed our current home mortgage. A PHH Mortgage consultant quoted us a 3.6 interest rate and within a few days, we received a GFE to that effect. However, on August 6, we received an application package with another GFE with an interest rate of 3.875. We asked why, but never received an answer. We let it go and continued the process, and was assigned a processor. A closing date of October 8, 2012 was set. We completed our application and it was received at PHH Mortgage on August 15, 2012. It went to underwriting on September 15, 2012. We continued to check the status of our application online.

My loan was sold to Ocwen from Bank of America in June 2012. That's when the nightmare began. I am on Social Security and have to pay my mortgage when I receive my check. Usually, this is two days past the 16th, so I included the late fee. This month, they received my check on the 22nd and cashed it on the 23rd. Now, I have received a letter with intent to accelerate foreclosures! My loan isn't even 30 days late. Try calling them - that's a joke! You cannot even understand a word they are saying! They have messed up my escrow, made me lower my flood deductible which surprised my insurance company and raised my payments. This company is nothing more than a predator and should be put out of business. Everyone stuck with this company should make continuous complaints to the BBB! They need to be shut down and pay restitution to all of the unlucky homeowners they torture!

My loan was sold from Saxon to Ocwen. Ocwen is continuing to increase my monthly payment. I am in modification from Saxon. Ocwen said my insurance had to be increased by $2000 for some reason. I cannot speak to anyone in the US. I need help fast. My insurance actually went down because I added another service to my insurance carrier.

The home I grew up in which my late grandfather helped build was sold to another family about 12 years ago. I was a teen, so there was nothing I could do (sold after my parents divorced). However, the family that purchased the home stopped paying their mortgage and moved out of state. I got in touch with them in 11/2011 and found out that they were going to let the house be foreclosed on. At the same time, we were looking for a new home so we jumped on it. They owed $125,000 on the house and the house was currently appraising for $90,000. We hired a friend of ours who is a realtor and then submitted a short sale package as well as our offer contract. We offered $108,000 due to the fact that we "really" wanted this home, and were hoping to move soon. Everything was submitted in early 2012.

Failure to process payments, excessive, threatening collections: Like so many here, my mortgage was given to PHH to service after many years of being handled directly by my bank (name withheld since the issue is not with the bank). I've had an ongoing problem with PHH and have tried to resolve it through my bank to no avail. It appears PHH is acting deliberately to create problems and thereby collect extra fees that are not justified. Also, like many, I am a military veteran 50+ and feel this is a targeted action by PHH.

Our escrow company recently tried to get loan payoff amount from Ocwen 10 days prior to the closure of escrow because there was a large penalty associated with its delay in closure after October 17th. After several calls from escrow company and several calls from me during the last two days, we finally received the payoff statement that is inaccurate, to the tune of around $15,000 in Ocwen's favor. I realized the error but I had to close with the figures provided because they gave us the statement at 1:20 pm and our deadline was 2:00 pm that day.

In 2010 our 3-bedroom, 2-bath rental property was vacant for six months, making it difficult to pay our monthly mortgage on the property. Our mortgage became two months past due when our mortgage company declared bankruptcy and sold our account to Ocwen Loan Servicing without any attempt to contact us to make alternative arrangements. We began paying the monthly payment in October and November of 2010 to Ocwen. The December payment was sent between the 10th and 15th of the month. This company indicated that they received the payment after Christmas (this is hard to believe) and declared it was late and refused to accept this payment for December's mortgage. They wanted the two months we were owing plus December's payment immediately.

I have never ever been late on any of my monthly payments. I live in Michigan and the check goes to a PO Box in IL. It should take no more than 2 days to get there. I mail other checks out at the same time. These checks go to IL and to Florida and are cashed within days. Ocwen gets my check and sits on it until it is late. As a consumer, what can I do? They are playing dirty. I found out a phone number (1-561-682-8000) where you can talk to the owner Ronald M. Far. Most likely, you have to use the automated voicemail, but at least it’s an American number.

Chase sold my loan to Ocwen 3 days after I sent in all the paperwork for a loan modification. I actually went to a Chase Branch and faxed to make sure it got to them. Later, I find that my loan was sold to Ocwen and called them to let them know that I sent all the paperwork to Chase. I called Ocwen, and I could barely understand the person, but then he told me they have "no loan number", so they couldn't help but to call back. I called again a week later - still no loan number and another person that could not speak English well. So I asked where they were located, and he said India! Now I knew why I couldn't understand! Anyway, I called again and they said we need to send them paperwork, but they still hadn't sent me anything, but I was told, "It will be taken care of." Sure it was; they took care of it by foreclosing on us before we had received anything from them! We were shell-shocked! I still am and cannot believe this company is in business! They are not reputable and need to be shut down for their unlawful practices.

I was foreclosed on in July 2011 after I was told the loan was being modified. I was told the reason was because I had been sent an email I failed to sign! The sheriff served me notice last July 8, 2011, giving me 7 days to get out. Then, for more than 8 months after the foreclosure, Ocwen reported to the credit bureaus that I still resided at the said property and still failing to pay.

I paid off a loan with Saxon Mortgage in February. I have all copies of checks and pay off balance from Saxon. I even received a small refund check for overpaying note. Three months later, I received a letter from Ocwen saying note was sold to them. I sent all papers to them; still, they persist. This company is a scammer. They are a bunch of thieves preying on the public. I'm going to find an attorney and file lawsuit on the thieves. I can't say enough bad things about this rogue company.

We received our initial Ocwen loan mod in the mail on July 18. They wanted the initial three-month trial payment to start on Aug. 1 but I had several questions regarding the escrow amount. We finally got a meeting set up with Sandra **, a specialist agent, on Sept. 11. She had no clue about the escrow. The figures just didn't add up. Meanwhile, I talked to a dozen agents (yahoos that answer the phone and have no access to the actual files) and I just happened to get lucky with one. She actually spoke English and told me there was a forced flood insurance on the property. According to my appraisal, the property is not in a flood zone. I then called a flood insurer, who told me the same thing. We both got on the phone with Ocwen, who requested the flood determination be faxed. Seventeen days and a dozen more calls and no one knows anything about it! I re-sent it yesterday. Meanwhile, we got a notice that we're late and now our loan mod will not be approved, even though Sandra ** assured us we had until Oct. 1. (I paid August and Sept. immediately after the initial phone meeting.) This is the worst company I've ever dealt with, for anything.

I received a letter from Bank of America in June 2012 stating that my BOA loan for my rental property was bought by Ocwen. This mortgage payment was set up for automatic withdrawals, so I was always on time with never a late payment. But I never received any introductory letter from Ocwen. In July and August 2012, the automatic mortgage payments were made to Ocwen without me doing anything. In September, the automatic payments stopped - again without me doing anything. I then read the reviews on this website about Ocwen and was immediately suspicious. So here I am, with absolutely no information about my new loan number or any contact info or where to send payments.

Ever since our loan was bought by Ocwen, we have had nothing but problems. They screwed up our escrow and then suddenly raised our housenote from $735 to $911 a month. Finally, after a year of calling, writing, getting no answer or a screwed up automated system that does not connect, I finally got a person who couldn't understand nor speak English. It took a year to straighten it out (we thought) because we finally took our yearly insurance and taxes upon ourselves just so they couldn't mess us up again. I just received my check back from the insurance company. Why? Because those idiots paid it even though they didn't have the authority to do so. I hate this company! Does anyone realize the hassle it is going to be to straighten this all out again? I am to the point where I just want to sell this home in order to get away from these stupid, non-caring people and the idiot company that they work for! Not only that, while they are working things out, they are putting our principal monies into their pocket! They are crooks! Can anyone say class action?

In the middle of 2011, our mortgage from Litton Loans was sold to Ocwen without our knowledge. We were not behind, but when Ocwen took over, we received papers advising that we were 2 months behind. Now when I called to get proof of the accusation, I kept getting relocated to some red dot bobblehead in India who, much like a machine, would not give me the contact to a human in the United States. I recently paid over $7000.00 for back payments and escrow which they failed to provide documentation on. I see that I am not the only one having issues. I'm currently seeking legal assistance. Let's take legal action. Thanks.

This so called mortgage company said that my husband and I didn't make our payments for our mortgage. After years and years of no problems, out of the blue they sent a letter with about five months of payments saying we owed them $7,000 in back payments and they are foreclosing on our home and to not send them any more payments until they had a chance to fix the problem. After a few more months of receiving letters saying we still owe $7,000, we got a lawyer and went to court and somehow between $7,000 and the two times we went to court, it turned into $18,000 that we had to pay. Thank you, PHH Mortgage, for stealing our money from our family and making it hard for us to get another loan.

I had loan modification with Litton Loan service and never made it permanent. They kept requesting the same info for more than 18 months. Finally, they sold it to Ocwen Loan. I got a call from Ocwen stating that I had enough money in escrow to cover September, October, November and December of 2011. On December 19, 2011, I received foreclosure papers from the sheriff from Ocwen. Ocwen claims that I haven't made any payments since 2009, yet I had continued all the way up to September of 2011, making the modified payment. With my original loan with Litton, the amount was $180k. Ocwen is telling me I need $151k to bring the loan current and still have the original amount. They are out of their cotton-picking minds. I hope the government can step in and see what these crooks are doing to the hardworking people who are trying to stay in their homes.

I have an Ocwen loan that was modified in 2010 by a mortgage realign company. Everything did go through and we are due for a % increase. We are behind 2 payments for unseen medical reasons and have decided to let the house go. We are upside down by a lot and we have a lot up fix and Ocwen of course is not willing to work with us. This company is scary and I can see the calls coming. Does anyone know how long the process takes and how long we might have in our house?

This is the most ridiculous "business" I have ever dealt with. Apparently, we have qualified for a loan modification, but have not received anything in the mail. If I call and try to speak with someone, I can only speak to a rep in India. However, an American leaves a voice mail on my cellphone asking me to return his call, never leaves his name, and the number he leaves goes straight to the reps in India who tell me I need to make a payment on 9/1, 10/1, and 11/1.

I had a loan modification with Chase Bank. I faithfully made all my payments every month. All of a sudden they notify me not to make any more payments - they were doing something with my loan. I then get a letter from Ocwen that they bought out my loan - not the modification loan, but my original loan for $1700.00 a month. Ocwen said I had not made any payments since October 2010 and I owed $20,000.00 now. I had proof of all my payments, faxed all the information to them, and then got a notice that I was in foreclosure. They said my modification had "expired." Chase did something with my loan modification, sent me paperwork to sign and return for a new "something,” which I did, but Chase never signed the paperwork; therefore, they said I had no loan modification.

I went to buy a new home and had my credit checked. The mortgage company said that on my credit, Ocwen reports that they are receiving partial payments. **! I have never made a partial payment or been late in 10 years! Never. What I did was modify the loan because I had an adjustable rate mortgage and they told me they could give me a fixed rate. So, I did this and got a 9% interest rate, which floored me because I have excellent credit. And now, they are ruining my credit. This has been very hard to explain to the new mortgage company. Does anyone know who the heck I can contact to sue for this?

My husband and I did a loan modification which we had also done about 3 years ago. It was great. Our payments got lower and we were so happy but when tax season came, my accountant called me to ask if we had foreclosed on our mortgage or a loan. I said, "Of course not." Well, it turns out Ocwen "forgave" $70,000 of our loan without informing us! So now, we owe $56,000 in taxes! When I called, I told them, "The contract I signed says nothing about this."They said, "Oh no, this happened after you signed." We would not have done the modification. And what's more, we did it 3 years ago and didn't have this! But nobody speaks English! I called 4 times and cried! I contacted a tax lawyer but of course they want $1000 to start! And who is to say they won't scam us! It is so frustrating! Any thoughts?

I have my mortgage paid through my bank every month on the 28th day. In March 2012, Ocwen put my payment in "suspense" but collected the entire amount from my bank. Since then, they have charged me a late fee every month and have said that I am a month behind in my payments. They have collected a monthly mortgage payment from me but they can't figure out why they suspended a payment. These people are nothing more than ignorant bill collectors and they train their people to treat all customers as if they were deadbeats. The execs that run the company are a bunch of unscrupulous scumbags.

I am a real estate broker with 26 years experience. I represented a buyer for one of their foreclosed properties. The cash buyer gave them a very large earnest money deposit and Ocwen agreed to the offer with a closing set for thirty days later. On the 29th day, the title company Ocwen used in the transaction informed me that Ocwen did not have a clear title to the property. The Ocwen representative sent me an email asking for a sixty day extension. I sent the extension agreement as requested. One week later, the Ocwen representative sent an email informing me that the title issue was resolved and we should schedule closing.

I am also a victim of Ocwen Loan Servicing. I was behind on my mortgage and when I collected the money to become current with Ocwen, they also would not accept my money. They wanted way more money than was required to bring my loan current. I was forced to file bankruptcy to stay in my home. I am a grandmother who is also the caretaker of my grandchildren, my funds are limited. And now that I have done that, my loan has still gone up an extra $158.00. This is the worst company in the world, and I too have asked for other numbers in the United States and could not get a number. I think that we all should find a way together to bring this company to its knees! I will work with anyone who is willing to find a way for us to get treated correctly. This is one of the reasons we don't have jobs today. They keep giving all the jobs to people in foreign countries who can't even speak English!

Morgan Stanley sold many of their home loans to Ocwen earlier this year, 2012. I understand that nearly all of MS's clients are experiencing Ocwen's shocking inability to allocate payments correctly to interest/principal and even to generate monthly statements. Shame on Morgan Stanley for throwing their clients to the wolves and on Ocwen for falsely representing that they could handle the new business! I'd recommend that all borrowers avoid any financial relationship with Ocwen - they have failed to prove that they can be trusted to manage one's financial matters. Customer service gets a Zero too - phone staff is polite yet unable to do anything including sending an email, returning a call, or researching a problem. They give many apologies, but no help whatsoever! It’s a tough job at this very poorly run company.

I am sad to see so many other people going through the same as my husband and I. In June, we received a letter from Chase stating our mortgage has been sold. However, they didn't say to whom. When I found out to, I was so upset. When we found out we were behind by two months, we gathered the money together and called to send it. I was on the phone for so long talking to someone I could not understand. We have been trying to give them our mortgage; however, they won't take it. Six months had passed, they want us to do modification. We don't need that, we need to make our payments. It was two months, then they wanted more, then that wasn't good and wanted a thousand more etc. Each time we tried, no one knows what the other is doing. They called my husband and said that they want to start foreclosure on us. My mother lives with us. If it was not for her, we would hand them the keys. I'm done. I think people should call Lisa Madigan's office. That's what I'm going to do. They're not helping anyone. Stay away from Ocwen.

Last year, I combined my two parcels (house in on one and the other adjoins), into one parcel to make it easier to refinance. Ocwen's escrow department decided I now have three lots and started adding on to my escrow account. I've been dealing with this since February (6 months) and they still do not have it corrected. I did an electronic transfer for one of the incorrect payments. They called to do it again and claimed that they canceled the first one. You guessed it! They hit my account twice! They returned the 2nd payment (now they still owe me overdraft fees), but the computer shows it as a late payment. So now they are trying to tack on late fees every month! I'm at my last effort now by sending certified letters to the research department and the legal department. Next step is a lawsuit.

I am so glad to hear I am not the only one having issues! I too had my home loan with Bank of America and they sold it to Ocwen in June of this year! Needless to say, I have lender placed insurance of which when your loan is sold to another company, everything is transferred over to the new lender, except life insurance and some other things, but the new lender has to place you under the same hazard insurance coverage you had prior even if it is with another carrier. Well here's the issue.

On March 12, my neighbors and I experienced a flood. The flood insurance person came out in a timely fashion and paid off quickly. The problem is the checks were written out to both my self and PHH mortgage. Ever since I received the first $5,000, PHH has refused to give any accounting of the money. They have sent out a further $7,600 to pay off one of the contractors but refused to give an accounting of the remaining $25,000+. I am afraid to get any more work done to repair damage to my house, as I do not trust them to reimburse me. They have repeatedly broken promises. I think they should be closed by the government. I have been a good customer up until now, which is better than they deserve. I would love to sue and cause them to incur a great deal of legal expense. They deserve it.

In June 2012, Bank of America sold me down the river to Ocwen. I don't know why. My mortgage payments were taken out of my bank account by BOA, and I was never late. I have spent countless hours on the phone, trying to straighten out the transfer with Ocwen representatives. I wanted to have my payment taken out of my bank account bi-weekly as I had done with BOA. I was told no problem and I could do that. When I believed this person, I could barely understand. Then, the nightmare began.

I am the D&S Home Inspections owner. I have in my possession a check that was issued to Beatrice ** and D&S Home Inspection on 6/11/2012. The check is in the amount of $1,148.95. The check amount is and should be $1,703.00. Not only is the check the wrong amount, it has been fraud signed and altered. I have given you a verbal/written complaint and there has been no attempt to cure this issue. The check was signed and witnessed by a notary and at the time, it was clear that there was an attempt to alter this check #**. At this time, I am prepared to bring charges against Ocwen Loan Servicing for fraud and to advise you that there is a lien against the property until this issue has been resolved. Hindering of a money transaction or altering is called badge of fraud. I am prepared to bring these charges against you and your client effective on 8/12/2012. My phone number is **. I expect to hear from you ASAP.

Okay, I have been with this company for a while due to my last mortgage company being bought out by Ocwen. Sometimes I am a month late on my mortgage and I do pay my bill with a late fee attached to it, but my complaint is that this month, I am going to be a few days late and will be paying my bill on the 9th. These people that the company have call and bug me do not realize that I have a 15-day grace period on my payment. I am angry because on the second day of this month I received a phone call from Ocwen and more phone calls on almost every other day. And even when they receive my money order with my late fee, they still call and bug me so much that I just don't want to talk to these people at all.

I had Bank of America then my loan was bought by Ocwen in June of 2012. Let the nightmare begin. I was on the phone for over an hour. I was trying to find out why my escrow went from $105.64 to $1.16; they are clueless. Then, I asked them why “Hazard Insurance” was on my statement 2 times, again they’re clueless. Then I asked about my escrow account being short by $105.64, and they said it would take time to update. I don't know if a real estate lawyer can help or not. It is a damn shame we have to go through this.

Like many other Americans, I fell behind on my mortgage payments. I tried to maintain regular contact with PHH to let them know what was going on with my finances, but they made it oh so difficult. Most calls are routed to their call center in the Philippines, and I spent countless hours speaking with wonderfully friendly people who really couldn't do anything. Yes, they are powerless to make any decisions. As a result, after wasting much time, you get transferred back to the US. In my case, the US based person who was in charge of my account was not responsive via voice mail (of which I left several) or email for 3 weeks. Eventually she picked up her phone only to tell me that it was her who had been trying to reach me - a lie!

I purchased a home from Ocwen and the day after I closed, I found out that Ocwen didn't actually have title to the house and the sale didn't go through. This caused me and my family tremendous inconvenience and personal anguish. Ocwen didn't even apologize, but only asked me to sign a form releasing them of liability for the sale, which in turn they would refund my down payment and expenses. We did but here we are 2 weeks later, they have yet to make good on our refund. Avoid this company at all costs.

My loan was with Ocwen in 2003. We refinanced and got away from them. We were sold to another company, Saxon, that was even worse at record keeping and we ended up back at Ocwen. With outsourcing to India, they are the worst company on the planet to deal with! A word to the wise, "get away from them when you can".

I am with you, Alex from Florida. I will back you up. Send another comment and I will e-mail you. It is true and correct that Ocwen is trying to rob you of your money that you already paid them and they are not giving you credit for it. I do not think so. That is unconstitutional and Ocwen is robbing people and nobody does anything about it.

No matter how many times I called to get help from the so-called "mortgage company," the only thing I ever got was somebody form India that doesn't want to understand the universal language of English and they just wanted to play "stupid." The only thing they wanted to do was to be a 'Debt Collection Service'. I'm not sure how many times I have called them, "Ocwen," to advise them that my bankruptcy was discharged on 8/11/11 and that I have nothing to do with the property. Also, I was told to keep utilities and insurance until the 30th of June. I did that but they hired another company to clean out the house, which then "stole" property from that property that was worth several hundreds of dollars. Whatever you do, "please don't get involved with Ocwen" or you'll be getting totally screwed.

My loan was bought by Ocwen in June of 2012. I have had nothing but trouble with them since. They will not pay my insurance. They give false information. They will not update critical information. And yet, they keep telling me to call back in five to seven days to see if anything happened. I cannot believe I am dealing with this. I didn't give them my service and they don't deserve it. I don't want to be with them and there is nothing I can do. I am on time. I am not upside down. No risk loan. And I'm stuck with this crap. It is not fair.

I've been dealing with Ocwen since Litton Loan sold my mortgage to them sometime last year, which they probably did illegally. I went from one horrible company to another! I started my loan modification in November 2011, submitted all paper work multiple times because they either didn't receive all the requested documents or the faxed documents were not legible, another crock of you-know-what because I faxed the same documents to my job and everything was fine. As I have read here on this website and many others, this is routine for them in order to prolong the process then deny us. Once I went through all their **, I was approved for the loan modification and started the trial payments in February 2012.

Criminals - They consistently have wrong info. They returned payments while adding extraordinary fees to my account and then ask for a large reinstatement. They refuse to allow you to speak with supervisors, refuse to give any phone numbers to offices in the USA (Florida). This company needs to be investigated. I will send letters every day, electronically, snail and certified to BBB, AG's, Consumer Affairs, and Ocwen offices. There are thousands of complaints online all about this company, help. We need to all come together. My email is **.

Update: So, I have been in contact with Ocwen about my modification. Today, they told me that we had been approved for a forbearance plan. I was like, “Okay, this sounds good.” So, as the rep who could barely speak English starts going over the payment details, she said, “You will have a down payment that will need to be paid by August 8th in the amount of $2,709.40.” I was like, “Okay, I can get that.” Then she said, “You will pay that amount for 12 months!” I was like, “How can you reasonably and logically expect that when I haven't been able to send in my normal payment?” She said, “Ma'am, I realize that is little.” Uh, a little? No, that is a lot! What an unrealistic amount to ask me to pay for 12 months.

My loan was sold to Ocwen from Chase. It was modified before the changeover. They are sending me letters, saying they are going to terminate the modification because of nonpayment. Every one has been made on time, they said they are missing a payment. When I tried to contact customer service, which is in India, they hang up on me every time. I had an appointment in June with the relations rep and got hung up on. I can never speak to a real person in the US, let alone, one who understands proper English who can help. They also send me letters saying someone will call to straighten this out. Guess what? They never do. What is one supposed to do to keep these crooks and liars from taking my home?

Everything you read here that is bad, we have been through with this horrible Ocwen. Everything started 15 years ago when we bought our house. We had a different lender, who sold our loan to Ocwen before our 1st payment. We get a nasty gram from them asking why we have not sent them payment. Long story short, they made us late no matter what we have done to make things right. Our payments were $800; now, they are up over $1300. Payment arrangements are made and never followed through (by them). They just take your money. Do not send them any money, until you have papers in hand; and then, that does not matter either.

First of all, you probably would be better off talking to a dog! My home is scheduled for foreclosure on August 7th. I want to stay in my home. However, I can't understand why they are charging me almost $9k in escrow charges, when for 2 years, for homeowners (forced because of a whole other mess) and property taxes wouldn't be any more than $2,500! Why am I being charged that amount for escrow? No one there can seem to give me an answer. All they say they will do is research and it could take 15 days?! If it weren't for the $9K I could probably come up with the money to save my home.

Ocwen phoned to collect information about my status to be considered for a loan modification. All information was sent as requested. On 6/27/12, I was told that all information sent was in order. I have been pleading for help from 2010. Information concerning the situation had been at numerous times all sent. Information had been retained for future references. I'm tired of being on Ocwen's merry-go-round. I need assistance in the the help I've been pleading for and not pushed on the back burner to continue to be billed as to what is happening as I type to you. Help, help. Help me, please.

They raised my mortgage payments for no reason. They ever answered to the BBB of Florida. I have other complaints in the FTC, Attorney General’s Office, and PA Banking. They aren't licensed to do banking in PA, complaint to the Federal Reserve Consumer Help.

Starting in 2008, my wife and I submitted a packet for a deed in lieu consideration. PHH sat on the paperwork and passed us from person to person in the loan mitigation department. Then in 2010, we had a short sale offer from the previous owner and again PHH did nothing but keep asking for updated records from us because they either lost or sat on our paperwork we had repeatedly submitted.

As I read all these complaints, I see I am not the only one having trouble with this company and the people from India. I had my mortgage modified in January 2009 while I applied in November 2008. It only took two months for them to modify my loan from $877.87 to $604.11. Now, I got a letter on April 4, 2012 saying my mortgage would be back to terms and my new interest rate would be 9.685%, while with the modification, the interest rate was 4.77%. We are at an all-time low now of 2.3 to 3.5%, and my loan was an ARM. So they said the new house payment due on June 1, 2012 would be $922.49, not including taxes and insurance. I only bring home $922.00, plus rental property is $450. So they're no damn good, and well, I cannot afford this.

Over the past 4 months, we have received nearly 100 voice messages. I finally called back today and was connected to India. I was asked for my Social Security Number. After yelling at the clown on the phone that there was not a chance in hell I was going to give him my SSN, he asked for my account number. He was given the number and I was told that my account was past due. I looked at my bill and the due date was the 16th. Our payment was made and is scheduled for delivery tomorrow the 10th. When I asked for a supervisor, I was told that there was not one. Well, I found out why.

My story is the same. My loan was sold from Litton to Ocwen and that is when the fun started. I was a payment behind with Litton, I was told keep making your monthly payment every month and make up the other payment little at a time. Well Ocwen was having no part of that. I explained what Litton was having me do. Nope, not good enough. Not to mention the fact that I had no idea my loan was even sold until I attempted to contact Litton to make my payment. I talked to 3-4 different people at Ocwen, only to be told that everything I was doing was wrong, even though I was being told by their reps what to do. They accepted my first payment and that took them 4 days to post the payment. I sent it MoneyGram. Then they refused payments after that. I was told I would have to do a modification, which I did not want. I was only one payment behind. I was told they do not do repayment plans.

I am ready to file a lawsuit against USAA Mortgages. My refinance loan was denied after dealing with USAA for over 5 months. My credit score was over 700. My home had more than enough equity in it after the appraisal. Every time I would send in the paperwork they requested, they would ask for something else. They stole my $300 fee, which they claim was non-refundable, which should not be the case since they were the ones that delayed my application. Shady and fraudulent practices. Here are a few of the problems that I have with them:

I am waiting for paperwork from Ocwen to complete my modification. I am on the fourth attempt to get a loan modification. I spoke with Ocwen on June 20, 2012 regarding the paperwork. It was supposedly sent out on June 6. This is July 8 and I have yet to receive the paperwork. Now I have to reapply. Nobody wants to help. I cannot afford to sue them. Next step will be my congressman if no one helps me. I am tired of talking to Indians. You can't even talk to the so-called relationship manager unless you have an appointment. My wages are being garnished to make my house payment, so I need to get this modification. But Ocwen is not cooperating. Help!

I can't seem to get anywhere with Ocwen. I've faxed and mailed all documents required, but told that there's more needed. I sent those in. Although they will not give me any answers on my modification, I received letters from attorneys stating my house is due for foreclosure. I can't get anyone who speaks English nor will they transfer me to a supervisor. I'm stressed out because I can't get any help with Ocwen's customer service and I'm afraid I could lose my home. Not to mention, the phone system also sucks.

I was turned down because I was not behind on payments. They said I did not qualify for a short sale even though it was part of a divorce settlement to sell the house. My original mortgage was held by Saxon who sold it to Ocwen. The short sale was almost done when it was sold. Then, I had to start all over again. I have talked with Ocwen on many occasions even though I could not understand their foreign account representatives. Now I am two payments behind and they want to start all over again with another short sale. Last time I talked with them, I asked to talk with someone who spoke English, not some ** from India. I was put on hold for a few minutes at a time, four times, and he did not get anyone to help. I have asked my US Senator to intervene on my behalf. I also am going to write the Florida Attorney General for him/her to investigate Ocwen's way of doing business and to make sure they are not employing any illegals.

I work for a solo practicing attorney and am attempting to settle an estate for a lady who passed away in October. She had a mortgage with Chase which converted to Ocwen following her death when no payments were made for several months. The loan was current in October 2011. In May 2012, we found a cash buyer for the property. During this time, we were unable to talk to Ocwen because they could not seem to "receive" the multiple attempts by the Executrix to establish communication with important parties. So, we find a buyer and wonder of wonders. Ocwen talked to me about a payoff quote. We received the quote, and the closing was pushed to the last available minute the quote was good. It would take up to 4 business days to get a new quote, so we padded the payoff check with interest to cover the transit time to Ocwen. Ocwen received the check on 6/11/12 by FedEx and signed for it.

Some years ago, my wife had a stroke and couldn't work anymore. Since we had to cut our bills in half, I decided to refinance our new home. We wound up with Ocwen. Pretty soon, they started calling me with all kinds of offers, of which I refused. However, on the following month, I discovered an extra charge and called them asking what it was. They told me that I had signed up for one of their programs and I explained that I didn't sign up for it, and for them to remove it. Then on another occasion, I noticed a late fee on my monthly statement. I called them and told them that I had mailed the payment to them with the date and time, then added 5 to 7 days for it to reach them and that it wasn't late. My payment went to a post office box and they allowed it to sit there until it became late. Needless to say, I shouldn't be charged a late fee.

Ocwen is absolutely ripping us off. They add fees every month. When you call, the representatives barely speak English. This company needs to be brought up on charges. We need a class action against them. I also tried modification; it lead to a reinstatement and over $20k was needed to save my home.

I started house hunting in January. In March, I found a house that I loved. I was preapproved through another bank, but my realtor suggested I go with PHH, as they are tied to Coldwell Banker. I should've stopped and said no, but he claimed he would make sure it was a seamless transition. I was contacted by Michael ** in their loan processing department who said they needed my credit card to put a hold on the mortgage. He said it was "just a hold and you will only be charged if we get so far into this that you don't want to go through with it." When I asked what that meant in detail, he said, "If you are a week from closing and change your mind." I felt that was fair. I put an offer on a home the next week and had inspections done the following.

We ended up with Ocwen via Litton. We modified our loan, paid off the past due PMI, and began life in April with a healthy escrow balance. Ocwen incorrectly took the payoff of the PMI and applied it to the escrow account on a monthly basis. I called the PMI company, and they confirmed the appropriate fees were being sent to them and the balance was current. Ocwen called us on June 6 and requested a payment that was double what the agreed monthly rate was supposed to be because of an escrow shortfall. We asked for an investigation; they did nothing.

As I read the comments, I could have been any of you. I applied for a home modification in November 2011 and am still trying as of June 2012. I have sent in 19 packages of documents, which they claim they never received. I have spoken to 25 different people, and none of whom is my case relationship manager they assigned me. I have made 12 appointments to talk with her, and each time, someone different called and said they could not help me, have not received my packet, and to reschedule yet another appointment. Throughout this entire process, I continued to fall behind in payments; and now, they want to foreclose. They claim I do not qualify for any of the government programs and have stated a number of different reasons, which conflict with one another.

My husband and I own a very nice house in FL. Unfortunately, we are so upside down we are drowning. After talking to a lawyer, we decided to short sell our home, because we want to move to GA where our son and his family live. My son deploys and my daughter-in-law works also, so there are times they could really use our help with our 4 grandchildren. We contacted a very reputable real estate agent and he came out and spoke to us about a short sale and how long it could take, etc. Well, my husband and I already figured this because we have Ocwen as our mortgage company and it wouldn't be the first time we have had problems with them.

I applied and was pre-approved in January 2012 for a refinance of my mortgage with PHH for a 30 year fixed rate of 4.54% with closing scheduled for April 17, 2012. I originally had my mortgage with Queens County Savings Bank (New York Community Bank) until mortgage was sold to PHH. I was never late with my mortgage payments and maintained an excellent credit rating. I complied with all requests for documentation in a timely manner.

I am a 70 years old widow, who is very dissatisfied with this poor business and fraudulent actions with Ocwen Loan Servicing, LLC. I was misled in October of 2004 into taking a second mortgage out on my home. I thought I was taking out a loan to get siding done to my home because that is the way it was explained to me. I would have never taken out a second mortgage on my home when it had already taken my husband and me 30 years to pay off our home. This situation has really affected my health and most of all, my way of living. I really did not know and was not aware of what type of people I was dealing with, so therefore, they decided to take advantage of an elderly lady.

Loss Mitigation Department: My husband and I have been forced to short-sale our home due to my husband being relocated to California for a job and the decline in property values in Utah. We have been living apart for a year now, so that we could stay current on the mortgage and not ruin our credit. Anyway, we submitted our short sale package to PHH in early March with a cash offer to buy our house. They lost our paperwork several times, and we resubmitted the same paperwork on numerous occasions. Due to their incompetence, our first buyer walked and we had to get a new buyer for our property. We were finally assigned a negotiator on May 9.

As I sit here and read the complaints, I feel as though I am reading my own story! I started my modification in February! Yep, same old story: not legible, didn't get it, missing documents, on and on! As we all know, they receive all the required information. If you receive one document, well, we know you received all of them. I was approved in April and was told the papers would be sent to me. Instead, to my surprise, I got a denial letter. You don't approve someone without having all papers - once again, papers - missing. Imagine that? Oh, but don't worry, we're here to help you! **! They are in the business to take houses from underneath us! I continued to send them over and over the same papers. I was also sending them payments, which they were sending back to me! Paper trail! They reported me late in December - payment made! Once again I have a paper trail! But as we know that's another struggle. So now I have been approved once again for the modification.

Most recently a $2000 refund has taken over twenty days, despite daily communication wherein each day is a different and inaccurate excuse.

My mortgage was also sold by Litton to Ocwen. On my statement this month, they increased my escrow disbursements saying they made a "mistake" and I had to increase my monthly payments until this was paid off. I called the number to be told that the company's answering service is in India. I asked to speak to a supervisor and was told none were available. They kept me on hold for over an hour (twice) and nobody has returned my calls. I can't find a local number in the states to speak to someone. I will be calling the BBB as well as local government officials to look into this. They also claim to be a debt collector, not a mortgage company. Everyone needs to look into this and have them investigated.

After a year, our homeowners insurance went to forced insurance for no reason. The payment was much higher so I purchased my own insurance. I sent letters and called many times over a two-month period to close the escrow but they just gave me the runaround. The payment is still the same. I get to talk to someone in India every time. Look online at this company's complaints. I'm sure there are things that are going on illegal here. Something needs to be done. Please help. When you see the complaints online, I would think this would be big news. I'm sure these are legitimate as there's just so many; some are the same as mine. Most went from Litton Loan Service to this company, just like me, which was also under investigation.

PHH refuses to report my mortgage payments to the 3 credit agencies. They also reported to Fannie Mae that they have foreclosed on my property, which is dead wrong. I have never been involved in a foreclosure (this is my 1st and only property) and I can prove I have made my payments timely. These are tactics to make sure I can't take my business elsewhere. I am in it at 7.40% for 30 years! Flee as fast as you can from this Mafia-related company. I will gladly go into detail and give proof of all the illegal and immoral crap they rip-off unwary customers with.

I have tried time and time again to close my escrow account in writing as I do not need it. I pay my own insurance and taxes. They refuse to close it for some reason. Could you please look into this? Thank you.

I was assured from the beginning that everything would be taken care of without the hassle that accompanies so many loan processes. Credit score was good, appraisal was what was expected. An online site was established to check daily progress with some documents handled online and closing timeline set. This seemed great until you find out that this means absolutely nothing.

Ocwen Loan Servicing adds excessive fees to make payments. They charge $19.99 for making a payment on the phone, $14.99 to make a payment on their website, and $9.99 to use MoneyGram.

My sister (unmarried) passed away in October 2010. Her mortgage was with Cenlar. When the payments fell behind (after her death), they sold the loan to Ocwen. I have been in constant contact with them since. My sister died without a will, so our 98-year-old mother who has severe dementia is her only heir. I am the executor of her estate. Ocwen finally agreed to a short sale and the house was sold in November 2011. They now have slammed a claim against my sister's estate for the difference between what the house brought and what she owed. They had jacked the price of the pay-off up eleven thousand dollars during the year after she died - late charges, etc.

They just played with us to take our home! I am so frustrated with Ocwen. They started off telling me how they would help me to keep my house and that I could just have all the money that I got behind added to a modified loan. After they made me feel secure, they yanked the rug out from under me. I've submitted all paperwork they have asked for (precious information of mine). They also claimed to have not made it to them on time or at all. They are also stating that my paperwork was eligible! Liars! I'm so sick of being their circus monkey and jumping through hoops - for what? To be told that my house has a sale date of July 3rd?! Ridiculous! I wish I knew how to start a class-action lawsuit because it sounds as if a whole lot of people are willing to be a part of one against Ocwen. I hope karma bites these deceivers bad!

I tried to refi an ex-mortgage with PHH - total disaster. They have incompetent employees. They lied, cheated and almost cost me lots of money. I’m still fighting to recoup losses. They don't return phone calls or emails. They passed me to three different loan officers in 3 months and none of which had any idea how to conduct business. Young kids who were hired off the street to fill empty seats due to the drop in interest rates do not know what they are doing. Stay away.

I find it hard to believe the things Ocwen does to be legal, yet they seem to be getting away with it. I mailed my re-modification paperwork to Ocwen via certified mail. I mailed them every document they had requested including my 2011 tax returns. I had a Relationship Manager call that I had previously scheduled and when she called, she informed me that she had received my paperwork and it appeared as if everything was in place. We scheduled a follow-up call for the following week.

I paid my mortgage on time since 1999 and PHH mortgage destroyed my credit score and says I am 17 months behind and just returned my check for this month's mortgage payment, making me late and failing to respond to my many phone calls or giving me any real actual paper documents I have requested for the last 10 years. Besides only sending me evasive explanation letters demanding money, over $15,000, that I do not owe to them, PHH mortgage also modified me and then re-modified me again, adding on and charging me another $10,000 or more dollars. I find these practices to be illegal against senior citizens as I am 83 years old and have lived in my house over 40 years in Los Angeles! Please refer me to get assistance against this company and their illegal practices!

I wish I would have read this board before I did my refinance. My refinance was the worst experience of my life. I think I processed the loan as I have sent paperwork for everything and had to tell them exactly what it was for. They really didn't do anything. I pray that they sell my loan to someone else. I was very close to cancelling through the entire process because something didn't feel right. My jaw dropped when I read and found this board. The only power we have is to inform everyone about this organization and stay far away! If my experience turns anything worse like I read above, I have no problem refinancing to get the hell away from these imbeciles. I could have avoided this.

They have been impossible to work with. They keep saying that they want to help you, but it will be a year trying to get modification with no luck. I have applied 4 times and keep getting rejected. Once, they said we didn't make enough. Then they said we make too much. I feel that their agenda is to set you up for foreclosure.

April 30, 2012, I went to www.Ocwen.com to make my payment. I paid online and I have a confirmation number #**. I authorized Ocwen to withdraw $310.71 from my bank account ending in ** on April 30, 2012. I have a letter that informs me that my payment will be credited to my loan within twenty four hours (24) business hours from the date of its receipt. I received a letter from you on May 8, 2012. You stated that my bank has returned my check (online May 1, 2012 payment) number (ACH) in the amount of $310.71 for the following reason: Insufficient funds. I have and had the money in the bank ever since the April 18, 2012 from social security for the May 1st payment. It's still there.

Loss mitigation with PHH, what a joke! I was completely current on my equity line and we wanted our 13% rate dropped. After talking to about everyone that would listen, we were told that if we submitted a stack of paperwork, they would be happy to look at our account and get us a lower interest rate. Mind you, we aren't running from this despicable company. After doing everything they told us to do, they didn't bother to look at our paperwork. When we didn't hear in 90 days, I called, only to find out they did get the paperwork but no one bothered with it and now we had to resubmit! We did it begrudgingly. Again, nothing!

My loan was purchased by this sleazy organization. I initiated transferring my property to a living trust and received five pages of documents, was told to pay $75 to review my trust, two more pages requiring notarization (another $20) and a page of parameters my trust must meet. I have never had to pay a fee to transfer my property to my trust. I'm not even sure it's legal for them to ask that, particularly since this fee isn't stated in my original loan documents and I am legally entitled to will my 50% equity in this property in any manner I wish. I'm going to refinance rather than pay these thugs a dime. Beware.

Unfortunately, the time frame allowed for pleasantries has passed, and my patience with your business (and I use that term loosely) significantly overextended. The fact you rejected one (1) of two (2) payments for the total loan amount made electronically on the exact same day (April 15, 2012) is only the tip of the iceberg. Ocwen Loan Servicing has communicated/provided and documented conflicting and false information, oral and written, numerous times throughout the past week. Not only is this conduct unscrupulous, unethical, and illegal, but also such actions have been the direct cause of an increased level of stress, anxiety, and frustration, during an already challenging time involving my efforts to bring my account current and stop all foreclosure proceedings on my home. The following is brief synopsis of the events illustrating the aforementioned claims:

After a total of one year and seven months, I finally had my modification completed by Ocwen. We started the process with Litton. Our loan was sold to Ocwen. I'm not convinced they are not one and the same. Like many of you, we had to continue to submit our paperwork over and over and over. After realizing we were not going to get anywhere, my attitude was that I did not care. I scanned all my documents requested by Ocwen. I then started faxing them to Ocwen daily. Sometimes up to a hundred times a day. This to make sure they could not say they did not get my paperwork. I then told them I found another home which I would be moving into shortly. I showed them a link to an ad I placed on Craigslist which I was offering to let a family live in my home for free. After about a month of sending faxes all day long and late night faxes as well as my threat to let a family have my house, my modification was confirmed today. From $1,450 monthly to $750 monthly. I'm down to 2.75% for the life of my loan. Want more info? My email is **.

I am getting ready to lose a lot of money because PHH Risk Management is black listing a VA appraiser. PHH underwriter and VA says it is a good loan but the Risk Management department stopped my loan at settlement. They should have communicated this to VA long ago. The house is going to foreclosure next week and this veteran is going to be out a lot of money. This is what my wife and I get for having excellent credit and serving this nation 2-1/2 years in combat. I'm glad PHH is trying to help the economy. It's too bad because if there was common sense used in this case, there wouldn't be an issue.

We have tried to modify our loan for about a year now. I have sent in paperwork 6 times myself. Ocwen’s mortgage insurance sent in a couple (an attorney 3 times) with the same answer: "You don’t have all your paperwork in." Could this be because it doesn’t go to one person? We have spoken to Nahid, Pachin, Savrinas, Sachin, and Khamir. Get the picture? All in India. Not to mention the fact that they can’t or won’t get anyone here in the United States for us to speak to. We do, however, have a case worker in Florida who seems to be better at blowing us off here in the US than they do in India. Regardless, the end result is that Ocwen is a big disappointment overseas, as well as here, and is not here or helping the people that are in need. Shame on you Ocwen!

I was with Litton Loan Servicing and had been trying to get a modification for 2 years as my fiance passed away, leaving me to care for our 2-year-old twin boys. I was struggling to pay my mortgage with the cost of daycare. My kids were not able to get Social Security from their father as he was ill and did not pay enough into Social Security. I had my loan with Litton for 5 years and upon the 5th year (October 2011), I was told my loan was sold to Ocwen. Litton advised all modification paperwork would be transferred to Ocwen to continue making my payments. I have never been late (30 days). I received a proposal to modify my loan from Ocwen on 12/09/2011. I had a balloon disclosure in which I had multiple questions and I had to schedule and call back with an account manager in which I had several questions on the balloon disclosure interest rates, trial payments, etc.

To those of you having a hard time with Ocwen, their main problem is more files than people to handle them. Actually, they are offering more programs to consumers than any other subprime servicer. To reach a competent individual within the organization, try to call their corporate phone number, which is 561-682-8000, between 9 am to 5 pm EST (Monday to Friday) and ask for a representative in the U.S. They have actually been very helpful in all areas, but I must agree they are very difficult to reach, especially within the U.S. On a 1 to 10 scale, I would give them a 6.5 and it would be much higher if they did not lose documents and were easier to reach.

I have an approved short sale for a client and the documentation required was submitted promptly. The closing was extended to May 14th. Ocwen is dual tracking the short sale and the foreclosure scheduled for 4/27/2012 has not been cancelled and Ocwen will not respond to my e-mails or answer my phone calls. Buyers are ready to close, escrow is ready to close, but Ocwen will not respond to any contacts to verify that we can in fact use the 5/14/date as stated in their documentation.

Ocwen not honoring Chase short sale approval letter - I am an agent with Viking Realty, Inc. and I represent Mr. Cory ** to sell his home as a short sale. His property address is noted above. I have received and accepted offer short sale approval letter from Chase dated March 22, 2012. We entered escrow and the buyer had begun performing their inspections, appraisal and termite home inspection and had completed the lender's mandated repairs prior to the issuing of loan documents, spending $1,000. The loan was sold from Chase to Ocwen effective April 2, 2012. I was assured by the short sale closer at Chase that our short sale letter would be honored by Ocwen. My assistant had provided additional documentation to Ocwen per their requirements within the mandated time frame.

I checked my credit yesterday and Ocwen has a foreclosure on my credit report in 2009. I sold this home in 2004! I called them yesterday and they have no record of me or the property address in question. They said there's no one I can talk to about getting this off my credit report. I'm trying to buy a house now and have otherwise perfect credit. What a terrible company! It's going to take months to clear this up.

My loan was sold to Ocwen also by Litton Loan Servicing and I received a letter in March stating that I owed them property taxes from 2011. If I elect to pay the advance in full at this time, to please remit payment to the address shown below, along with a copy of this and escrow portion will be removed. Easy right? So I sent them proof from my city clerk and county treasurer and my copies of my cashed checks and they still haven't removed and keep changing their story. They made me pay a late fee when I didn't owe one. I have made complaints with the Federal Trade Commission and with the NY Department of Finance.

In September 2011, I received a written notice from Litton Loan, LLC that my mortgage was being transferred to Ocwen Loan, LLC. I then received a regular monthly statement from Litton and made my September payment to Litton through my bank, the same way I always have. In October, I received my first monthly statement from Ocwen, and it showed that I had not paid my September payment.

I've been waiting since 8/2011 to get loan modification paperwork from Ocwen Loan Servicing. I was on unemployment for two years. Yesterday, they promised to finally send via email and still nothing was served. Foreclosure paperwork is very shady. Please I want to keep my home.

I made a payment almost a month ahead of time on their website; however, I made a mistake on the bank account number. I called this company a few times that day and other days that I made a mistake to cancel the payment for me. They said they were going to cancel within 24-48 hours. Nothing happened. I made another payment through my bank instead. Everything was fine until I see on my statement that I was charged a return fee for $25.00. I had also written to their main office and gotten a response that had nothing to do with my request of cancelling the payment. I called them today again; of course, their customer service is in India. So they don't speak English right, they read out of a book, they refused to give me the credit and they refused to put someone in the US that I can understand better. I have to deal with India - why?

Did not honor modification, Sold home while in the modification - We had a modification in 2008. Ocwen purchased our loan and did not honor the modification. So, we took out a real estate attorney and sued for breach of contract and we won $66,592.29 in the settlement judgment. Well, Ocwen did creative accounting and placed the monies in this deferred principle on our statement. During this time we have had nothing but issues with them. There are different loan amounts on my husband’s and my credit report from them - not one match. Then, I lost my job and had some health issues arise. So, we went to file for a modification through Ocwen which we did get approved.

I am representing a client in a short sale. The loan was originally with Chase and after we submitted the short sale package and the offer, Chase transferred the loan to Ocwen. I've been trying to two weeks to connect with someone in the short sale department and I have yet to succeed. I am typically prompted to answer several questions, then I am transferred to someone in India, who proceeds to ask me some more questions, then they say they'll transfer me to the short sale department and they never do. They just hang up on me. This has happened about a dozen times. I've never seen anything like it! It's exasperating! I need help!

These morons have overcharged me due to their lack of paying taxes. I have had loan for 10 years with no problem. All of a sudden, my payment went up to $180 a month and they tell me they did not escrow enough money. It's a simple formula: If your taxes and insurance are $5000 per year, your escrow is $416 per month, right? These people obviously employ foreign workers who are not educated or informed, take our money, which must be illegal, and we have no voice? This is the biggest scam ever and I have contacted the Attorney General's Office in Florida as well as my home state of PA. I work hard and I loathe these kind of thieves. Something must be done to these scheming jackwagons.

We are customers of Ocwen via Litton Loan. I lost my job 2 years ago and have been unable to find employment despite hundreds of resumes being sent out. We have tried 4 times to have our loan modified but keep getting denied. My unemployment has run out and we are now facing not being able to pay our mortgage in full. They denied us because we didn't have enough debt. They won't help us until we are at least 4 months behind in mortgage payments. I can't understand not helping someone before it gets bad and before they can't make the payments. To make matters worse, they send us letters all the time about modifications and other services they offer. We've requested they remove our name from their marketing lists, but we still receive mail and phone calls.

Sadly, no one in real power cares about our plights to save our homes, which allows Ocwen to abuse their customers. The positive comments and support information on the Ocwen website is a pack of lies and needs to be updated. I believe that information is also the reason Ocwen is out of control - after all, who will believe delinquent customers complaining for a company who is known for supposedly helping customers maintain homeownership? If Ocwen was helping customers, my research shows that was like two or three years ago at the height of the real estate crisis in 2008. Therefore, that was years ago and that information is outdated and no longer correctly applies to customers like us. Ocwen is not providing needy customers with loan modifications; instead, Ocwen is randomly choosing to foreclose on homes at an alarming rate and most of them are former Litton customers. Litton was bad, but Ocwen is worst. They have perfected their craft by fooling the news media and non-profit associations to provide great feedback.

My loan was sold to them from Saxon. I cannot get any help on the modification that I started with Saxon. They keep lying to me on the progress of it.

We got behind payments because I had back surgery and I’m not working. I was two months behind and they sent a letter about foreclosure. We called them and they told us to send the back payments. We did and they denied the payments. Now, they’re saying we need to make this month’s payment with the two back payments. We have insurance with Ocwen that would help on payments if one of us could not work. They just told us on the phone that we need to make this month’s payment with the back two or they’re going to proceed with foreclosure. If they would have accepted the Western Union payment we sent last month, we would only be behind for this month. We have the insurance that covered our payments if we get behind (for hurt/unable to pay) that covers our payment.

Increasing of mortgage payments on a fixed rate: I had my home modified for the reason of rate increase and affordability purposes so that I could not worry about foreclosure on my home. I abide by every rules set forth in front of me and yet they try and make like it's just for the increase in the payments. My homeowner’s insurance went down by 300 and something dollars. My taxes went down from last year by 270 something dollars. I paid out of pocket my windstorm and this company knows that and still they try and pay it anyway to have a reason to increase the mortgage payments. Now, the agreement was that as long as I can provide proof of coverage, everything will be all right and all is well. But now they want to go back on their word and go up on me saying there is a shortage in the escrow when I sent them back the $954.00 check to make up the shortage. The shortage was $519.82 and I sent back a check in the amount of $954.00 to make up what they tried to take out for windstorm.

My mortgage is being serviced by Ocwen Loan Services. I had my mortgage refinanced about 10 years about with Ameriquest Mortgage, which went bankrupt. It appears that my loan was sold to Litton. Ocwen advised me that because my loan is now a "Secularization Loan", I do not qualify for no type of modification. That my only options are: To pay a payment before it reaches 80 days past due, short sale or Deed in Lieu. I lost my job of making between $45k-$50k of almost 14 years and now making $326.00 a week unemployment. I never received any information about my loan being sold. I pulled up my deed information to see was there any revisions or filings for this and there was none. I have been in my home since 1992, 20 years. It takes all 3 employment checks to make my payment of $1035.00 to them. I really need help. I hope there is something that can be done.

On January 13, 2012, Ocwen Loan Service called me for a payoff on my second mortgage. I and a third party was on the phone three-way. I made an offer of $1000.00, and they agreed of the amount. The supervisor stated he will send out the paper in five days. His name was Mr. **, and he was the person I talk to on January 13, 2012.

This company does not need to be open. Their bookwork does not even work. We got behind. They have refused payments. I sent in a payment and they said they didn’t get it. Like a fool, I did not keep the Western Union paperwork. I had a conference call for them to call me at 11:15. They did. This was for a medication that they have said they have received all paperwork over a month ago, but they still have no answer. Then 2 hours later, I get a phone call from Ocwen. This phone call was for our plan phone call that we had 2 hours prior. On top of this, I was on my way to the bank to give them $6225.00 to reinstate my loan. They informed me that this amount was not correct. This is the amount they had given me 2 hours prior. So I had to send them over a $100.00 more. How can they be in business in the US?

I have a loan with Litton and had modification done in 7/2010. When they sent the 1st month payment, the statement said for 8/2009. I called to find out what that meant. I never got a good answer, so I went to a local mortgage counselor. She tried to help but got nowhere. The only answer I got was that I owed previous mortgage payment from a bankruptcy in 2006. I was behind then when our attorney told us not to pay "until the judge said to".

In 2010, we got behind on our mortgage, and we were financed through Litton Loan Servicing. But it was sold to Ocwen in 2010. I had a deal with Litton to pay an additional $200.00 a month for 1 year to get the arrears paid off. When this mortgage was sold to Ocwen, they said they did not have to honor the agreement with Litton and wanted all the money owed back. I told them I did not have it, and they were pretty nasty about it but said that I could fill out loan modification papers with them and they would see what they could do.

I have tried on several times to do a loan modification with Ocwen. I have sent the requested document by fax and overnight to only be told they did not get it or they need more information. My payments are up to date. However, we struggle every month to make the required payment. We have both a first and second mortgage with Ocwen. I need help and Ocwen is not willing to help in anyway. You do not understand the people in the call center and never can speak with the same person. Please help me if you can, this company is truly not helping as they said on their website.

My home loan was sold to Ocwen in 2009. All was good until now. They are saying my escrow was in a shortage, which made my house note go up $180.00. I cannot get anyone to give me a straight answer why. Before they took over my loan, my escrow was always over and I was always refunded for the overage. Other than my taxes (may) have gone up. Every person I talk to tries to push a modification plan on me which I do not want.

My property taxes were lowered by the County of Los Angeles in December of 2011 by 20% due to my property's value declining. However, Ocwen raised my monthly escrow payment (used only to pay the same property taxes) by nearly 10%. When I called to report the error, I was instructed to fax the new tax bill and my request for an escrow analysis. This was finally completed in late January but Ocwen neglected to use the new, correct tax amount owed! They actually raised my escrow payment again! So I called and complained and re-faxed.

After applying for a HAMP modification and after sending the same documents over and over, I was approved for trial period. I paid trial period and received Home Affordable Loan Modification agreement. It was notarized and mailed on time. Return receipt requested. I’m still making payments after the trial period. I received a letter from Ocwen that did not approve for modification because my documents were 90 days due. March 2012, payment was returned. I complied with all requirements and deadlines as documented for the modification. I have a family of 6. I am a 100% service connective gulf war vet on disability. I got enough. I have read about same issues of fraud on this forum.

PHH has raised my escrow impound payments $300 a month in just 2 years. When I bought the house, I had to put up the escrow/impounds that they said fell short and I had to make an immediate payment of $2000 or my payment would go up from $1,612 a month to $1,720. I made the payment and they have refused to prove I’m short. That was just last month! PHH still raised me to $1,722 a month. On Friday I received another letter saying I’m now short $2,886 and if they don't receive it in 14 days, my new payment will be $1,950! I am up to date on impounds for property tax, flood ins and homeowner’s. I believe PHH is running a criminal enterprise and I would like to start a class action suit. Who is running PHH, Tony Soprano? Please, there are over 400 complaints exactly as I have described. Can we get some help or at least an investigation by the Attorney General? PHH is a corrupt institution and this needs immediate attention. Thank you.

My husband is on disability and we get his check the second Wednesday of each month, which falls on a different day each time. When we were paying our payments with Litton Loan, this was not a problem. I could get on line and still pay my payments and their system would let me do this. With Ocwen, their system will not let me because they say that we owe over eight hundred dollars in tax fees, which is untrue since we are exempt from paying taxes because of my husband’s disability.

As you are aware, Litton Loan Servicing LLP was sold to Ocwen Mortgage Co. last year. I had been in pre-foreclosure status with Litton for my property in Florida. I had been working with a realtor who had brought several purchase offers to their attention. All were declined. I have called Ocwen and am not able to reach anyone directly within the company. The call was answered from an offshore call center. I requested forms for a "deed in lieu" settlement. I have not received a response. How can I get help?

I never did receive any documentation stating that my payments went up in 2009. I tried to refinance my home in November 2011. That's when I received a phone call from Ocwen Finance stating that I was $9,000 behind, because my payments went up in January 2010. I have never been late on my payments, and I have been paying the same payments since I finance my home. My question to Ocwen is why my payments wasn't returned if they were incorrect and why I wasn't sent a notice of my payments going up back in 2010. Also, why my account haven't been reported to the credit bureau in 2010 for wrong payments or late payments. I want to join a class action lawsuit against Ocwen.

I currently hold my mortgage through PHH and I contacted your company regarding a possible refinancing or debt consolidation. I was told that due to the large number of calls, it would be better to have someone call me and the first opportunity they could do that was Saturday, March 10, 2012. I was given a confirmation number of ** by Oscar. I was supposed to receive a call between the hours of 8 am and 9 am today. It is now 9:41 am and I have not received a call. My time is just as valuable as anyone at PHH. I am extremely disappointed in PHH, but I guess that really doesn't matter to anyone at your company, does it?

I received a letter dated 1/18/2012 stating that due to an escrow shortage, I would be required to make a one time mortgage payment in March of $860.41 due by March 16, 2012. After that letter, one month later, they sent me a letter stating that they had received my February payment (which is direct debit), but it was short $260.41. They then called me to tell me that I owed them $1028.41 for the February payment, late payment fee and returned check charge. After speaking with several people in India with accents that I could not understand, I finally spoke with someone in customer service. I proceeded to get her name and customer service ID number. She assured me that the February payment would be applied, the extra charges would be waived and they would issue a retraction on my credit for the discrepancy.

On September 16, 2011, I faxed Ocwen research department a written explanation outlining a two prong problem with my Ocwen account. The first problem was Ocwen had increased my mortgage payment from $568.06 to $652.44. I explained to Ms. Martha ** that I had in fact made all payments on time and faxed her my payment history pertaining to Litton before you bought out their contract. This seemed to resolve that first part of the problem because my payment dropped back to $568. However, in the same letter, I further explained that Litton had been paying for my property taxes but I had always paid for my own property insurance, which I have continued to do and have Ocwen listed as my primary mortgage lender.

I filed Chapter 7 bankruptcy in 2009. I held a mortgage account with Litton. On my reports and my discharge paperwork, my information shows that the account with Litton was discharged. Another shows it was closed and transferred to Ocwen. The account with Ocwen shows discharged in Chapter 7 bankruptcy. On February 18, 2012, this place reported to Experian that my account was open and had not been paid on and that it was $53k delinquent. I attempted to call and get nothing but automated services. I have sent them the Experian report, my discharge paperwork as well as a letter stating that I demand that this account follow suit with the discharged as they cannot open a new account after the debt is discharged and start reporting to the credit agencies.

My husband passed away and he held the main income. I held on to the house making the payments by selling items. In August of 2011 with attorney Elana **, we contacted Ocwen and forwarded 54 pages of forms, taxes, etc. After not hearing from company my attorney called to find out it went to modification department. At that time we resent 54 pages and spoken to Ocwen employees stating they receive all that is necessary and it would take 30-40 days. Since then I have spoken to many employees and have still not heard nothing except now it is going for foreclosure. The house has been expected. Title for property for making sure there isn't anymore loans has been done. I have even offered to do deed in lieu myself and give it back. I am trying to give Ocwen a house that can easily be resold. I had it for sale for almost a year with not even one contract.

I received my mortgage payment in the mail and I opened it. I couldn’t believe that my mortgage payment went up more than $130.00 more a month. I am on a fixed 30-year and my home owners insurance and property tax has not gone up. We have never been late on our mortgage ever. We called and they are supposed to look into it. This happened last year as well but it only went up $30.00 more a month, but we just didn’t question it. Something seems wrong and I’m a bit worried. We called them several times last year asking to modify our loan as my husband had back surgery and they said they couldn’t help us at all. What do citizens have to do stop making their payments? Then, months down the road they will help you. Ocwen needs to be investigated. I really believe something is just not right and they are charging us wrongfully for the past 2 years. We always used to get a check at the end of the year from escrow. We haven’t gone a penny in years.

I have been trying to resolve a problem for over six months. I have tried talking to people on the phone, I have sent emails, I have sent numerous letters and faxes. No one at Ocwen gives a good **. All I want is the name and phone number of someone with whom I can speak about record issues as my title document was either not recorded or was not properly indexed by the court clerk. This is in their best interest, but they don't seem to know that. I think the company should be forced out of business because they are completely incompetent.

My mortgage was being serviced by Litton Loan Servicing LP but was bought out by Ocwen Loan Servicing, LLC on 11-1-2011. Ocwen has since been expecting me to pay excessive expenses upfront. I had no idea that I would owe $342 for an excessive "property valuation expense". I cannot pay $767.25 in accrued late fees as well. Litton Loan Servicing was allowing me to accrue late fees but was not forcing me to pay them off in order to prevent default. I am paying a regular mortgage payment every month and on my credit report; the mortgage is only reporting 30 days late. I will be paying one payment soon so I will only be one month behind, but I cannot pay two regular payments, fees/expenses, and late charges which Ocwen is demanding all at once in the sum of $3,205.45. I cannot speak to a supervisor, manager, or someone qualified to service my loan to get answers or resolve this.

Ocwen is saying that we owe over $17,000 in late charges and fees. Ever since they changed hands with Litton, they have not been accepting our payments and sending them back to us, then reporting that we are not paying our mortgage payments. I feel helpless and scammed. How is a company allowed to do this?

How can the government allow a company like Ocwen to constantly prey on consumers and homeowners the way in which they do? With all the complaints out there for years, it's a shame uncle Sam hasn't stepped in already. My mortgage was sold to Ocwen from Centex way back in 2004. Honestly, I pay by check each month and have no problems with them posting my payments. My issue is their constant denial of my mortgage modifications. You ask them for assistance we all know the government has placed out there for us to keep our homes, and they are allowed to not participate. They do receive the tax write offs, but don't participate in the HAMP program and want to give you balloon modification agreement to recoup some of their original loan term amounts. That's crazy! My loan terms will be modified, but I will have a balloon payment.

Ocwen or their affiliate have been calling my house up to 8 times a day and are not leaving a message. When I am home and I answer the phone, they say either "they are calling on behalf of Ocwen" or sometimes they say that "they are Ocwen." After multiple calls, I have found out that they (Ocwen) have given out my information to a third party and they (the third party) are calling me to sell me life insurance, health insurance, weekend getaway packages, and home owner warranties. I have also learned that Ocwen says that it is not them and there is nothing that they can do about it. I have challenged them and say you mean a company as big as Ocwen is and there is nothing you can do about the fact someone is using your name and saying that they are you and there is nothing you can do about this. Their response is no! It would appear to me this is a case of identity theft from the company Ocwen.

I haven't got an invoice for a few moths. I have to call (remember to pay) and get mailing address for check.

I received a modification from Litton Loan Servicing. After the 3 trial payments were made, I went online to begin the modification, only to find out that Litton was no longer servicing my account. It was sold to Ocwen Loan. I called Ocwen and was told they had no knowledge of a modification and they would research it. I called and called, they then said my third payment was never made so it was invalid. I sent all cancelled checks to prove that my payments were made in a timely manner and submitted all other related documents. It is now 3 months later and they still will not honor my modification and accept payments.

I became one of the many upset customers with Ocwen in Nov 2011, which I had no idea. I received no letter from this company that they bought Litton Loan. The only way I found out was that I received tax information from them in Jan 2012 and that I owed them over $3000.00 for missed payments. I have owned my home for 11.5 years and have never missed a payment. I had no idea that the loan was transferred or I would have made my payments to this ** of a company. I immediately called "Peggy" in India and was given the runaround about how I was to get all my information together and prove to them that I made my payments. I went back 18 months and even got a letter from my bank for supporting documentation.

I bought my house in 2003. I paid almost three thousand a month for seven years on time. We hit the bad economy and I lost my job in 2009. I repeatedly called and asked for them to simply get me a lower rate (Again I was perfect for seven yrs, just under 3000 dollars a month). I was told that I had to be three months behind to get a re-modification. I first attempted to get a re-modification with no job. That didn't work. I tried again when I had a job. They said they were working on it. There were never any calls back or paperwork. I was then informed that I cancelled my own request. I did not!

I've been with Ocwen for a few years, and I was approved for a HAMP modification in March 2011. This past October, I lost my job and fell behind on payments, and Ocwen would not let me make one payment; I had to make full payments or none at all. This was in December. Finally, they said I could do a loan modification, but they stalled at every opportunity, so that my payments are farther and farther behind.

I called to talk to a representative to just let them know what happened. He said, "I am not authorized to talk to you." I understand my name is not on the bill, I just want to find out what I can do. He would not even listen. My husband left me and our 3 kids and he is not making the payments, but I am going to keep the house. I want to know what I can do to get the house and make the payments? The payments are way to high. If the man would have just looked, he would have seen that I made the last house payment with a check in my name. I am asking for help. Thank you.

Ocwen bought out Litton Loan. When they did, I was went a letter to send the payment to the new address. My payment and the letter passed in the mail so the payment went to Litton. Litton should have forwarded the payment to Ocwen and it appears they did not. I asked for an audit be done and was told they couldn't do that. I tried contacting Litton. They will not longer talk to anyone because they no longer own the loans. See the problem? So I just had to pay a second payment to keep them from foreclosing on me. This is a horrible company! We all need to get together and start a class action lawsuit! I would love for a lawyer to contact me. Can we start a class action lawsuit? **

I cannot reach anyone in the US, only someone in India who cannot speak English. There will be a day of reckoning. I am sure for people who are so evil. I would not want to be them when judgement day comes. They are liars and thieves.

Payment for services rendered - My company (Personal Touch LLC) was hired by Genesis Preservation who is a contractor for Ocwen Loan Serving LLC to do property preservation on their REO properties! To date we have done over $1200 worth of work and have not been paid! Now there are late fees to be added to the bill! Personal Touch LLC is going to file labor liens against all the properties we have worked on!

I have read your webpage and see other consumers are having the same exact problem as I am having. What can you do about it? How can the government allow this madness and extortion to go on and people's lives are ruined. People getting sick and constantly feeding the green-eyed monster known as Ocwen. Who is fighting for the people?

Ocwen Loan Servicing LLC took over our mortgage and then charged us a fee for a drive by appraisal. Now they will not give us a copy of the report. They keep citing that it is an internal report for their use only. I am being charged $168.00 for this report to be done, I deserve to receive a copy! My guess is that it was never done and that is why they cannot give me a copy. I should not be charged for an appraisal that was not done.

Attempting to remove escrow from my account as PHH only analyzes annually and I always end up with a big lump sum payment when they finally get around to figuring it out. When I contacted them they said I was required to escrow by the investor. I never had a loan to value ratio that required escrow. I voluntarily escrowed taxes and insurance. Even with depreciated value my LTV is still well below 80%. I've been attempting to work this out for 6 months. I've now waited two months since my last contact when they promised to get back to me that week. They are pathological liars. I'm writing to the Minnesota and New Jersey attorney general.

Ever since my loan was bought by Ocwen from Litton Loan, Ocwen has not honored the correct interest rate, as was notified to me from Litton. I am so tired of faxing, talking to India, and getting letters from Ocwen with completely incorrect information in them. Today, was the ultimate! I was notified to pick up a certified letter at the post office from Ocwen. To my utter amazement, the letter was notifying me I was "in default". I have never missed a payment to Ocwen, and have every cancelled check to Ocwen, since they bought my loan. I even went to an Orlando address today on Science Drive, only to be told by someone "guarding" the place that there was no one there that could deal with a customer.

Like every one else, we sold our soul to the Devil. My husband died last January; my daughter died on 3/22/10. I take care of Josh (my daughter's son). He's 7 now. I don't want to lose the house. My grandchildren love fishing and 16 years of memories. Wells Fargo sold our loan to Ocwen! 4 times, I tried modification but it was turned down.

I signed up for the equity accelerator program with Ocwen and for the past two years have been apparently reported late on my payments randomly! I have my payments automatically withdrawn from my checking account every other week. I have never missed a payment or been late on a payment. I have tried repeatedly to resolve this with Ocwen. I call their customer service number and get passed from person to person, who barely speaks English, and each of them tells me my account is up to date and there is no problem.

PHH spent over a year dragging us through the mud resending modification papers a total of five times. I contacted my VA rep and Congressman and the modification finally was approved but only after PHH charged us thousands in attorney fees for doing the modification and we end up owing more on the house than we originally bought it for. They essentially took us for a sum of 40 grand we paid over the three years prior to the modification plus the Department of Veteran Affairs paid them for approving the modification. So PHH is rolling in our money and every other taxpayer. How is this legal?

Ocwen inserted forged deeds and full reconveyances using Mers with Wells Fargo/Flagstar Bank and Chase, a robo signer Joan ** that took over my mortgage without telling me! I have called and written to the SEC because I investigated that this robo signer is connected to Flagstar Bank -Joan ** and Scott ** from Ocwen. The FTC is investigating. Supposedly, she invested my money (loan) that was supposed to be in the escrow account using EDGAR Online.

Why did Ocwen forget to pay the other half of my property tax for 2011? In other words if I would have not brought it to Mr. **, CEO of Ocwen, it would have went unpaid for 2011 and that would of meant that eventually my property would of been put up for sale for property tax. Another example of how Ocwen could care less about their treatment of customers. Just another spoke in the wheel. Mr. ** never answer the reason of why my second half of property tax was not paid for 2011. This happened to me. How many other customers has Ocwen failed to pay the second half of their property tax? If an attorney reads this, please contact me via email at **. Mr. **, CEO of Ocwen, never furnished an explanation as to why he forgot to pay the property tax, which is typical for Ocwen. Why wasn't Ocwen in the recent justice department lawsuit? It is very evident that Ocwen needs federal investigation on various issues.

I have been with PHH Mortgage since March 2006. I was diagnosed with lupus and work hours were shortened which meant less income. I am a single mother. I was approved for a loan modification three times and every time once I get into a year of the new loan modification, I then received documentation that I'm not approved. I never received return phone calls or emails. But when I do call them, they tell me it's going to the escalation department. They send out documents with incorrect dates. My most current situation is that I have now been in this modification since August 2011 but they sent me the exact same agreement dated from 2009.

I have been trying for months to get this mortgage reduction. Owen has requested tons of documents and I have sent those documents promptly, but they are always losing the documents or allowing documents to go out of date.I am current on my mortgage. I just got a letter from them telling me I owe for December. I have my checks to prove they cashed my check in December 2011 and January 2012 so far. Why are they allowed to do this to customers? Please tell me what can I do about this situation.

I called over and over again asking for personal information before telling me what they were calling about and then questioning me on my house payments and trying to get me to make a payment even though I am current and pay my bills each month through my credit union’s bill pay service. 3 different people called and each spoke with an accent I could barely understand; they would not listen to my answers and just kept telling me to send my payment.

My mortgage is in default, due to the payments fr 2/2011 through 10/2012 not being applied. Ocwen states that they received our money, but not credited. Our mortgage amount remains the same, as it was in 2/2011. If our money was applied, the mortgage balance would reflect the payments, by it being reduced. Eight different reps from Ocwen promised to get back with me. On 1/29/2012, Atty. ** called Ocwen on on behalf, and gave out the same results. I sent a letter of complaint to the Research Dept.

I know this is small compared to some of the other complaints here, but I have called, written and gotten nowhere. My purse was stolen. Inside was my mortgage check. I called immediately, asked what to do. They said stop payment on the check and pay online. Done and done. They ** charged me $25.00 because the check ended up getting to them somehow, like they need the extra $25.00 on their 7.5% loan they are getting every month. They have totally ignored all my requests to waive the fee. Lame.

Has anyone talked to their attorney about Ocwen buying $4.2 billion in loans from Litton Loan service, for under $300 million? Goldman Saks, owner of Litton Loan Service was forced to write off millions of dollars in loans, as part of an agreement with the government to sell these loans to Ocwen. This was done in Sept. 2011. My credit report has it, as my loan was written off and is closed, yet they keep sending me monthly bills to pay the balance due. This is all very confusing. I hope this information helps you. You'll have to research this.

Saxon sold our first mortgage to Ocwen in 2010. We had to have the Texas BBB and Arizona Dept of Financial Institutions help us in the battle about our mortgage payments. Since at least 2004, we have been 2 months ahead on all our mortgage payments, even as our mortgage got sold to other companies. Maybe we had an unconscious sense that we would need this security buffer. Anyway, Saxon tried to hide the fact we were 2 months ahead just before we went to Ocwen. Long story short, Saxon had to be forced to fess-up and then Ocwen had to be forced to accept the proof staring them in the face.

I was applying for a modification with Litton Loan. They had all the required paperwork that they had requested. By the end of November, 2011, I received a letter from them, saying my loan was sold to Ocwen Loan, and I would get information from them. On January 26th, I received a letter from their lawyer's office, saying I'm in pre-foreclosure. I'm very confused. I was misled.

I feel for everyone caught in the modification scam. I am lucky enough to be able to refinance through another institution and am merely trying to get a payoff statement. This process normally takes a couple hours. I have requested 3 times over 3 days and am still waiting. I have been on hold for nearly two hours and counting waiting for a supervisor. I find this company to be fraudulent and deceptive and my heart goes out to those who are unable to get out of their clutches.

A tax was levied upon my property for being vacant. When Litton stepped in and wanted the tax paid, my attorney told them it was a mistake and he was going to clear it up. They agreed to wait, but they kept sending all these bills and we were speaking to a rep who kept telling us not to worry. The tax was totally removed, then the taxes did go up a small amount. So we kept telling the rep to send us a correct payment.

My Letter to PHH Mortgage after working with ERA Mortgage, who farmed out my 30 year fixed loan application to PHH Mortgage:

I had to file Chapter 13. PHH in Florida is out of the trustee payment and I pay directly. Payment has never been late. I have a large amount of escrow that was overpaid in November. I received notice that I would receive a check. After several phone calls to I believe every associate that works at the company, I have been advised that since I filed Chapter 13, even though it does not affect them, I need to speak with their bankruptcy department. But they are not allowed to take phone calls and or return them. I have turned it over to my bankruptcy lawyer to handle. Seriously, I have made all my payments. I feel sorry and my heartbreaks for people trying to modify their mortgages with this company. They stand no chance of talking to a sane person.

I’ve been with them 4-5 months (VA loan). Pulled a full credit report without my permission when they already did one last August 2011. No explanation, no return calls, etc.

I have never dealt with such ignorance in my life. I have been waiting on my escrow refund check since October 2011 and it is now January 2012. A supervisor told me she would call me back by the end of last Friday, I never received a call back. I then tried getting a hold of this supervisor the following Monday. Not only did this supervisor give me a fake extension, but it seems like she is completely avoiding me. I was then told by someone in the tax department that this supervisor is sending my check overnight to me so it would be here by the 26th of January, which is today. I have been on the phone for hours trying to figure out how to get a hold of any supervisor to help. Apparently, every supervisor is not available.

In June 2011, we began the home modification process with Ocwen Loan Servicing. In August 2011, my mother received the "congratulations" letter that she had been approved and that we needed to make the trial payments. They assured us once the trial payments were made, we would be getting a formal modification agreement mailed and it should be signed and sent back.

This has been going on for about 4 years now. They have ruined our credit, drained us of all our savings, 401k, and we have no credit, no money and soon no home. We have to file bankruptcy to try and stop them and tried to even work with them on a modification to settle this issue so that maybe we could get to the point of getting another mortgage company that will take over our loan. But you can not work with these crooks. They are out to take people's homes and that's it. We are at the end. We have no more options because we have no more money. They don't apply payments; they apply payments months after they receive them and they keep your account past due so they can get more money. This company has to be stopped.

I too had my mortgage sold from Litton to Ocwen, just one month after my trial modification period had ended. I made the November thru January payments to Ocwen on time,so I haven't had a problem with that--yet. Then, on the 19th of January I get an email from Ocwen stating that a $2008 payment was made on my account. I immediately went to my bank's website to make sure Ocwen hadn't done an unauthorized withdrawal and they hadn't. I then went to Ocwen's website to look at the payment history for my loan, and sure enough there was a payment for $2008 made on January 17th. Furthermore, it said my next payment wasn't due until March 1st, meaning my February payment has been covered. I did not make this $2008 payment and it worries me to death that I don't know were it came from, who paid it, or if this is Ocwen setting me up!

Ocwen swindled me out of the first month payment of my supposed final loan modification. Of course they never even created the loan agreement. They tried to say it was because I didn't send the payment. When I proved that I did, they clammed up. I am sure that they are trying to sneakily foreclose on me. I would encourage everyone with a complaint to contact 888 995 HOPE. They 3-way called for me and I was able to speak with an American. I also filed complaints with the BBB, FBI, www.sec.gov, my state attorney's office, congresswoman, division of business and professional regulations, and division of finance.

This company is a scam. After interviewing with them at a Naca save the dream event, I was awarded a remodification of my current mortgage. That has proven to be a lie and a nightmare. I can only reach someone in India named Sanjay who insists my mortgage is behind and that I owe thousands of dollars. I need help to save a home. The mortgage was paid in full and on time each and every month. My loan was sold to this company by Litton Mortgage and ever since, my credit has bottomed out because of Ocwen's unprofessionalism.

Since the beginning of January we have been unable to speak with someone within the United States. According to one Dorji (last name not given) and Javis ** the customer service department is in India. When I asked to speak with someone in the United States, Javis advised OCWEN does not have offices stateside. When I told him the previous customer relations person Sarah S. was located in Springfield, OH he advise the only US office was in West Palm Beach, FL, but a telephone number did not exist. Looking on Whitepages.com I found the number 561-681-8000, which after numerous menu prompts directed me back to 1-800-746-2936 located (where else) in India, right back where I had started.

I have a modification agreement in place for more than a year closer to 2 yrs. I have no problems with Litton loan. I was sold to Ocwen who would not accept my payment when called in October 2011. It was not in transgression nor would Litton loan who inform me to call and pay Ocwen. So November came and did a huge bill. They did not accept my payment until after the 11th of November. They had no account information was the reason. So Dec 2011, I paid $1940.82 but it wasn’t good enough. They packed on fees that I’m not suppose to have from my Modification agreement.

Taylor, Bean and Whitaker owned my loan from 2007 until they went bankrupt in 2010. CENLAR took over the loan. That same year, I was laid off from my housing job due to the collapse of the market. I immediately applied for a modification, terrified that we'd lose our home. Within a week of my modification application to CENLAR, they sold my loan to Ocwen on 9/1/10. Need I say it has been a hellish nightmare since?

This is just to inform you about my experience with Ocwen. Today, January 13, 2012 I've called Ocwen Customer Service to make a payment on my mortgage. I am in dire financial dilemma to pay my mortgage on the first of the month, which is free on their website and after six days you need to pay $10.00 to Moneygram. They informed me that there is a fee of $19.95 in order to make the payment. I told them that I have only the exact mortgage payment and I do not have that extra money to pay this type of charge.

This company is a total fraud. They put my home in the same jeopardy as everyone else in these complaints. After 3 months paying my new payment approved by HAMP, I received a letter stating that I wasn't approved and that I owed them for the back pay on the original loan amount. I reapplied again, still with no answer to this date. My home has been placed in foreclosure. I have obtained a lawyer to put a hold on the process while still dealing with PHH to save my home.

In 2008, after going through a divorce, I refinanced my home to be in my name only and to try and get a mortgage payment more easily managed on my income. The loan was immediately sold to PHH. Then in 2009, my employer furloughed everyone 24 days per year, so I inquired about the HAMP and was told I didn't qualify. Over the next few months, I inquired several times and was always told the same thing. My credit has always been excellent, I have always paid my bills on time. In early 2010, I paid my mortgage late. I called and the person I spoke with said I think you qualify for the HAMP. I said I had been told over and over I don't. He said "let's take a look and see". He asked questions and at the end said "yes, you definitely qualify"!

I started a modification to reduce my interest payment, and add my taxes and insurance with Litton Loans. I had my modification in place just as Ocwen bought out Litton Loans. I paid the first 3 payments, of which they would not let me do by phone or check. My payments with Litton Loans were automatic. I had to do a bank wire for the first one, and that cost an extra $25.00. The second one they let me do by phone, for an extra $19.00. The third they let me do online, for an extra $10.00. What a racket! The fourth payment I did online, for an extra $10.00, and when I went to do this month's online, I find out my account has been frozen.

My loan was sold to Ocwen from Litton Loan Servicing unfortunately I was in the middle of an insurance claim for water damage and my kitchen and both of my bathrooms were torn out that started on September 21, 2011. Their policy is if a claim is over $10,000 that you have to submit a packet of info including a contract with a licensed contractor and then they will send one half of the insurance money. And after the work is 90% finished, request an inspection and they will send the balance of the money.