Onity Mortgage Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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