Onity Mortgage Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Our home equity loan was transferred to this company - we have had some financial difficulties and have requested a loan modification (3) times and every time they decline it, usually saying due to missing documents in the application. This time I sent the document, they claim I missing (3) times to the address provided on the notice. I have tried to contact the modification consultant assigned to me and he never gets back to me either by email or phone...but he knows how to send their so-called notices to me via email. I am so frustrated but don't know who to turn to. I would like to find another HONEST company that we could transfer the loan to. Any suggestions?

PHH Mortgage more than doubled my Mortgage payments overnight without explanation. Calling them is useless, because you will get connected to a person located in Bhopal, India who can't speak clear English, and who transfers you to another person who is equally hard to understand. This cycle goes on until someone hangs up on you. Meanwhile, even though you have less than $20,000 left on your loan, they send you threatening letters that you are behind on your Mortgage, and unless you pay them an amount that keeps changing, that they will start the foreclosure process.. It used to be that you could call PHH Mortgage, and they were helpful, and considerate. It would be nice if PHH Mortgage would go back to that business model.

I have filed Bankruptcy recently and applied for a loan modification. My husband and I both have diabetes, heart disease, sleep apnea, and I have had cancer. We have fallen behind and every time I send them paper work I get denied because I don't meet the investor's criteria. Then It was because my income was too low. Then it was because I was not behind even though I owed 2 months. I told them I could include my husband income in which I did. They said to send in his pay stubs from his pension and Social Security which I did. Now after review they say we have enough disposable income so they won't do a modification. Now I have sent them my husband's expenses for them to review. Has anyone ever gotten help from them or am I wasting my time? The stress is just awful.

I have been trying to get Ocwen to correct my payment for over a month. I made 24 phones calls in one month, with promises of calls to be returned. A month later, still no calls return and I'm getting the threatening mail about foreclosure on my home. I sent numerous emails with copies of the contract, yet they failed to rectify the problem. Who do you call?

I have a mortgage with Ocwen, have an escrow account with them. Last year I went to my court house and was acquiring about how much my property taxes were a year. And yes I was paying way over what my taxes were. I called Ocwen and they stated to me that they paid my taxes twice last year at x amount. I stated “hmm is that right because the court house has record that you paid once at this amount.” Of course they argued with me! So I didn't know how to prove them wrong so I worked lots and lots of overtime.

The federal government has allowed these criminals at Ocwen to steal hardworking Americans’ money and homes for over 15 years. They outsource most of their employees to India as to avoid worker whistle blowing laws in the US. Homeowners are them given the runaround when Ocwen is caught stealing, through overcharging fees, stealing funds from escrow, and foreclosing on homes that are already paid for.

I have been dealing with Ocwen for so long that I am emotionally and physically tired. I will NOT give up my fight, however. There has to be some help out there for the innocent people losing their homes. I have started a blog in hopes that someone that was once employed by Ocwen will come forward and be truthful about their unlawful practices. My blog is www.stopocwen2013.com. I hope and pray that all the people out there who are being taken advantage of will come together to stop this horrible company. PLEASE, PLEASE, there has to be help out there. The Attorney General is no help and several other agencies have been contacted and it can take years for their actions. Any suggestions would be helpful...

We've had our mortgage with HSBC for 20 years. We never missed a payment or were late for a payment. We had two feet of water in our home after Super Storm Sandy. PHH is holding our insurance money hostage. We've made numerous calls with no satisfaction. If we were going to walk away from our home, we won't have fixed it. Our next step is to file a complaint with the Insurance and Banking Commission. I never had a problem when I was dealing directly with HSBC. Consumers beware!

We purchased our house in 2006. It has not been the American dream. My husband became ill. We fell behind and caught up. President Obama started the modification program. We applied a 1200 dollar mortgage to $780. We are down to $505 including property tax and insurance. Which we didn't have at first. We fell behind again with the economy. We tried to catch up by sending a mortgage pmt every two weeks. Ocwen sent them back. They wanted the whole $3000 so we tried to file bankruptcy because these law firms claim to be able to assist with that. That didn't help either so now we are in the process of losing our home. It's really stressful. I would think help to keep someone in the house instead of a vacant property. Not good. Not good at all. I'm at my wits end.

2004 I took 70000 loan on paid off house to pay the sales tax owed by my brother for small convenient store which he lost few years later Texas controller were keep screwing us until we came on food stamps. I think it was a backlash on Muslim community after 911. First company Saxon charged extra mortgage, high interest 10 per. Then Ocwen came in I am keep paying them and they are keep adding extras. 5 months ago they told me I owe 300 in late payment fees but I have paid over 700 but today I received call that I still owe 300 more. I don’t know where my money going. Since 2004 I think I have paid over 80000, but looks like paid only 7000.

My previous servicer was GMAC after refinancing with Lend America that was shut down in 2008. At closing, they sent a fake robo-signer to my home to close who knew nothing about the mortgage. Closing is supposed to be completed in front of someone who can verify who you are and sign and date with a Notary Public. They took the mortgage out of my name and put it in my husband's after he was denied the credit to get the FHA loan. My husband died soon after and you can bet the insurance company paid that mortgage off but guess, the greedy bs want to double dip and are suing me for the mortgage. Oh yes I'm going to fight until my last breath because these people have violated so many laws from FDCPA, TILA and FTC rules, etc.

My husband is a 100% disabled Veteran and our mortgage payments fell behind while we were awaiting his VA disability rating and compensation. After trying to get a loan modification for over 3 months, (faxing well over 100 documents just to be told over and over again that they needed updated, clearer, couldn't read, never received.... it goes on and on), we were put into foreclosure with a sale date. My "case manager" assured me that we would have our loan modification reviewed before the sale date.

I had never been late on a payment since I purchased the home back in 2006. I had a major home repair that needed taken care of in 2012. Because I am on a fixed income, I missed one payment in order to repair the problem. Received phone calls from PHH in Jan. 2013 about the late payment, and at that time advised of the HAMP program...Opted into this with PHH, received the paperwork, signed everything and returned it. Did all the necessary requirements, and was notified I was accepted for the modification...

I too came from Litton Loans to these ripoff artists. I had to change my home number for all the calls at 7 am in the morning!!! Now they started calling relatives and even if they are told that we don't live there or that they even know us they constantly call. My father is contacting the attorney general to get them to stop. In my case I have been unemployed for 18 months. With help I am only 1 month behind on payments. I have received the usual threatening letters that I will be in default if the entire balance is not paid by X date. I make the payment before the next one is past grace period so only 2 weeks am I really behind. They have destroyed my credit and my wife. The threats continue that they will foreclose on me. They want to constantly push for additional items to be put on the mortgage payment. I really believe they want to force me out of my home so they can resell it and write off the losses. From others here it confirms it.

This company may actually be worse than GMAC or Bank of America when it comes to customer service. I have tried to reach an English speaking person who can answer a straightforward question and all one gets are people in the Philippines who can't think on the phone and just read scripts. Add to the aggravation that one cannot even have an option to reach the US headquarters or Iowa offices, and the overall rating has to be less than one star. I would NEVER consider using these people for my business support or services and highly recommend that they not be considered by others.

My experience is exactly like everyone else's and I, too, cannot understand why none of the agency supposed to protect us have a solution. Our home was foreclosed on----as I was still waiting for the call from my customer care manager with a reinstatement amount---and we are currently searching for some way to hold on. BNY-Mellon does not allow former homeowners to buy back property even if they can get enough relatives to help them out. Over a year of communication consisting of requests for other documentation and my attempts to get someone to keep their "appointments" and this is where I am. WHY IS THE US GOVERNMENT not doing something about this company? These posts certainly make it appear as if their mission is to take away homes from Americans.

Ocwen Loan Servicing is the most Unprofessional, Nerve Wracking, Incompetent, Mental Health Debilitating Company I have ever dealt with! I was approved 3 times for a loan modification and sent ALL the necessary paperwork over 30 times to this company and now they are foreclosing on my home because they said they never received the paperwork. I am so sick. These people should be shut down IMMEDIATELY!!!!

I have had all the same problems everyone on here is writing about. Listen up!! You are crazy to send them 1 more payment. Can't you see they are taking your money and not crediting it towards your payments? Forcing insurance on you making you think you have to pay or you will lose your home? It's a total scam!! Shame on you if you send them $1 more. Do you see the trend? They are buying from one lender after another. Go way back and it's Saxon then it's GMAC then it's Homebank or whatever is today's company du Jour. Think about this for a min!!!!! If every person who deals with this company sends in a payment and they can't track it, tell you anything about it, take months to respond and by then you're in foreclosure??? That would be like calling your bank about your checking account and nobody can tell you where your money is and they have no record of it???

I was a Homeward customer as well. I had an accident, fell behind. Finally recovered. I rat holed some cash, started repayment plan with $13500 down. They didn't receive my first installment of $2600. Defaulted me. Sold loan to Ocwen who claims are here to help. Yeah right. Now they want $18500. They claim they don't know anything about my 13k that I have proof Homeward received. And now have sale date. Why can this happen. I thought this was America!!!

Litton loan sold my loan servicing rights to Ocwen Loan Servicing in 2011 and they used the same incorrect account information I had been fighting with Litton to correct for years. I thought Litton was bad but Ocwen is worse. They overcharged my escrow account by $4400. I sent them documentation that I paid my own property taxes and homeowners insurance, but they still refused to correct my account and continued to overcharge my account. When I requested a refund of the overcharges to my escrow account, they claimed I had an escrow deficit and only returned $2600. They claimed I was in default and called my home everyday, sometimes as many as 3 times a day, leaving messages on my answering machine.

They won’t talk to me because I’m deaf and I place calls thru RELAY SERVICES FOR THE DEAF and they instructed me to have my husband call them and authorized the fact that I’m deaf and place calls via RELAY SERVICES FOR THE DEAF. No problem, he called twice and now they said no. It has to be 1 agent which is ABSURD because there’s tons of centers and RELAYS changed the law 20 plus years ago on no name given and can’t stick with 1 agent or rep, its first come first serve, I don't get it!!!!

If you are thinking about buying a house or refinancing, do NOT use PHH Mortgage. Without using a lot of every expressive and colorful language, I cannot adequately convey how absolutely IRRITATING they have been for the last two weeks. They paid taxes in April that were already paid by my title company in March, raised my payments to cover the escrow shortage, and have the NERVE to threaten me with a bad credit report if I don't pay the difference. It took me four hours to research what happened and they are going to take 30 working days to research after I already gave them ALL OF THE INFORMATION. Robocalls every day at all hours demanding the additional payment. I spend hours a week with these folks on the phone, each rep assuring me that no additional payment is required and I won't get anymore annoying phone calls. WRONG. The guy today says he cannot see any data like that recorded anywhere. The next guy says he can see all of that. What the heck????

Same experience for me. They use local Mortgage companies to do re-financing and then sell back the loan in 30 days; they will fail to apply your first months payment, and one will always be a month behind. They use a autodialer to call the customers on the 2nd of every month to make sure you paid; it will be a clueless rep calling from a Toll Free Number which is the main number 800-746-2936 and ask for your last four of your SSN, which I tell them I will call back. I will not give someone calling me my last 4 of my SSN when they call me! I called so many times and tried to get help resolving my first months payment, but talking to them was unhelpful. I send proof of the 1st month's cashed check from the re-financier to Ocwen.

I have been fighting with Ocwen for 3+ years to keep my home. I have asked and asked for a loan modification. Since I have started going through a divorce I have had a lot of trouble trying to keep up with their payments. I could make my payments if they would lower the payments. They have sent me the paperwork to fill out and fax back to them. I have done this several, several times. Every time I have sent the paperwork requested, Ocwen says I am missing papers. Every time I send them exactly what they are looking for and still they say we are missing papers. My daughter has sent the paperwork, lawyers have sent the paperwork, people from HUD have sent, faxed, emailed and mailed the paperwork. Yet, they still are saying there is paperwork missing.

Ocwen is a "debt collector" and not a Mortgage company as they initially led us to believe when they took over our previous failed mortgage lender a year ago. We have never been in arrears on our mortgage and always had a good relationship with our lender and this Ocwen is horrible to be associated with. We originated this home loan online in 2006 and never imagined we would end up where we are now with a scrupulous payment manager. When I challenged Ocwen to tell me who purchased our mortgage this is what I received yesterday from them in email (the Ocwen agent was talking to me from India). Concern: You requested us to provide with the investor details of the above loan. Response: There is no single investor of the loan. The loan is one of many in a securitized investment trust: Securitized Asset Backed Receivables LLC Trust 2007-BR1, Mortgage Pass-Through Certificates, Series 2007-BR1. Ocwen is the servicer of the loan, and not necessarily the owner of the loan. Although the ownership of the loan may change…

GMAC sold our loan to Ocwen last year. The changes went into effect in February 2013. We had been signed up for GMAC's equity builder program, meaning they took out the monthly payment divided into 2 payments (with a little extra) on certain dates within the month we gave them. The equity builder program stopped around Christmas 2012. We weren't notified by GMAC until January 7, two days after January's payment was due. So we had to scramble to get one and a half payments paid before January 10. Needless to say, it didn't get paid, so we called Ocwen and told them what happened, and Ocwen doesn't offer the same equity program but the rep I talked to did accept weekly payments by certified check/money order that would take care of the Dec/Jan payment and we would be caught up for February's payment.

Am 70 yrs old and have been dealing with PHH for 14 years. Never had a problem. Always prompt and courteous service. Very reputable. Have seen their offices in Mt Laurel. Can assure you they are very big and busy but always available for you.

I have experienced all the same issues others have written about - impossible to deal with - do not return ANY phone calls - not one of my emails has been responded to but they are very good about firing off their letters saying this is not complete or need this other information, etc...

Unfortunately, GMAC sold my mortgage to Ocwen, who will not return flood insurance premiums that I never needed. I was forced to buy flood insurance on my home, which I have lived in for 26 years, without so much as a drop of water in the basement. When I informed Ocwen that FEMA's new map was inaccurate, Ocwen told me that I HAD to purchase flood insurance, but they would reimburse me if a licensed surveyor could prove that I was not in a flood zone.

I feel so much better hearing that I am not alone. I thought it was just me. Ocwen has been giving me the runaround for the past year and a half. On more than one occasion I was denied the modification both the HAMP and the in-house modification. I was unemployed for 17 months. The last three months of my unemployment Ocwen had taken over my mortgage from Saxon. I finally was able to obtain work again. Unfortunately, during that period of unemployment I fell behind on the mortgage. I wanted (I still want my home) very much to keep my home so I kept trying with Ocwen. I continued to resubmit my paper work. Their excuses were constantly changing.

Everyone, don't bother to deal with this company. They are out to ruin your credits and refuse services. We did not pick them. They bought out the loans, ick, bunch of liars and cheaters. Hard to get through to them via phone. Get this. Owners of this company live overseas, DUH.

They have my adjustable loan at rates far above the market and I can't get them on the phone or they will hang up on me. They stopped sending my bill and have destroyed my credit so that it eliminates the competition from refinancing my loan. I am having the hire an attorney to help me with these issues and work to repair my credit!

Has anyone reported them to the Office of Comptroller? I am in California. Maybe we should report Ocwen as a group? I am having the same experiences as the majority of Homeward - Ocwen transfers. I think Ocwen only purchased my loan with foreclosure in mind. They just denied my submitted 91 pages of documents via NACA. They wanted more documents - my IRS filings for 2012. I sent them what they wanted; they denied because I didn't submit the blank pages. My history was WaMu, Freddie Mac, Chase, to Homeward, and now Ocwen.

Our loan was sold to Ocwen from Nations Reliable in March. We are in month 4 of making payments to them. We set up bill pay with our bank and they promptly deliver checks before the 1st of the month. Yesterday, received a call from Ocwen Collections stating they have not received a payment and our loan has gone to collections, and they require immediate payment.

My husband and I do not know what to do about this company. All of the other reviews that I am reading here have happened to us. Our mortgage was also sold from Litton Loan Service to Ocwen a few years ago. It has been a nightmare ever since. We do not know what to do or who can help us. We were behind a couple of months for about two years when my husband was laid off in the winter. We just now got caught up. The last time I looked at our account online, it looks like we now have a balloon payment due (the whole balance of the loan) in 2015. It was a 30-year mortgage, it has not been 30 years.

It took Ocwen 7 months and over 100 repeated documents faxed over and over again due to their poor handling of loans and ten different reps for the company, who each one never knew anything about our loan to deny us on a Hamp and today an in-house modification. We are 61 and 70 couple with a reduction in income and on SSI, owned home for 30 years and now with no help from Ocwen, still stuck with $1227.00 a month mortgage payments. They are waiting to get our home and equity. Never late until 2010 when our mortgage was transferred three times to AHMSI, then to Homeward and now 7 months ago Ocwen; check these 3 out on Rip-off Report, I have. Very rude people on the phone.

Fell behind due to illness, was notified we are headed to foreclosure, contacted Ocwen and made arrangements to make payments over 4 week period to become current. All was ok until we made the first payment. They returned our check saying we were now in foreclosure proceedings. We were told to contact their attorneys in order to obtain the sum needed to stop foreclosure. The original quote was $5830.76 . The next week when we received the new quote from the attorney's office it had jumped to $8630. How can we catch up with a plan like this and their motto is "If you have a problem we are here to help"? After my experience I don't think so.

I don't even know where to begin. OCWEN acquired my loan in March 2013 from Homeward Residential. My ARM changes every year and in February of each year, the monthly payment changes to reflect the adjustment. Homeward got it backwards and told me to start paying the new amount in January (well, it was about half what I'd been paying because I'd paid down the load significantly the previous year). I paid the normal amount and paid the lower amount in Feb. Homeward refused that payment and then gave all my paperwork to OCWEN.

Had water damage in July 2012. Sent in all doc requested and still the contractor have not been paid. On 7/15/13 received another email from contractor. Call Ocwen once again to release fund. Now they need claim packet filled out and return and also they need someone to inspect claim which I just know hearing about today. Getting different story every time I call.

I lost my job in August of 2011 and spent the rest of 2011 and all of 2012 on part-time employment. My mortgage started with TB&W and when they were shut down was sold to AHMSI (horrible in their own right) before they became Homeward Residential. After a few months under the new name they transferred my loan to Ocwen... My first call was great... Finally a person from the US that I could understand... Got my hopes up that something was finally going right.

OCWEN Loan Servicing took over the billing for my Homeward Residential mortgage on April 1, 2013. Twice in less than four months, they have failed to acknowledge payments made on my account. I called them on April 9 regarding my May 1, 2013 payment. I went through the mess of Countrywide and made every effort to pay my mortgage payments early.

This co. sucks and they never get anything right. They send wrong info to the wrong account. Real idiots.

I'm really concerned with this company's business practices. They supposedly sent my attorney (in Chapter 13) a letter saying they were going to foreclose for payments from years ago before we even filed bankruptcy. They've only had the loan for about 4 months and I've made payments every single month to them. The past due ones were supposed to be included in the BK settlement.

I divorced over 16 years ago and gave my ex the house; however, the loan still has my name on it. Apparently, they have told him he owes estate taxes and inspection fees and is saying he owes almost $300 per month more than his fixed rate mortgage payment. He is on year 21 of 30 with a small balance. His payment is automatically deducted from his bank account, yet now they have begun foreclosure proceedings and sometimes they accept his payment and sometimes they return it, but they are saying he owes almost $12,000 which would be the fees and the extra mortgage money that is NOT due them! I'm hiring an attorney to try to protect myself, but this is unbelievable that a company can get away with this.

PHH Mortgage tried to foreclose on my house without ever even going to court. They started the proceedings without notifying me. My home was listed as going up for Sheriff's Sale in our local newspaper twice. I have never been so dissatisfied with any one group in my life. These people are absolutely a nightmare to work with.

Ocwen got my account back from Litton. Now they are charging me an escrow because they say I was out of insurance for 13 days in 2011. They did not have my contract at that time (Litton did), and I have never been without insurance. I think they are a bunch of crooks. I want to pay them off, but they want more than what I owe. I have had nothing but problems with this company. I guess since my amount was getting low, they are trying to get more out of me. Well, it won't happen. I will give them what my statement says. I tried to go to their site to print out my statement from January, but it wouldn't let me print out anything, so that tells you something there.

My loan was turned over to OCWEN by Homeward Residential in March 2013. My payment for March was paid in February to Homeward. They did not make my March Escrow payment of $200.94 to OCWEN. They did make my $665.36 mortgage payment to OCWEN. I cannot contact Homeward because their automated phone messaging does not allow human contact and disconnects the call after advising me OCWEN needs to be contacted. I have been in contact with OCWEN and since July 1st, I have been told three different answers on how to resolve this debt that was paid to Homeward and they did not pay OCWEN, and the debt is therefore due from Homeward, not me.

My home was financed through Homeward Loans. They sold my mortgage to Ocwen four months ago. Just 2 years into a mortgage modification, everything was going fine. Then I get this letter telling me to send payment to Ocwen Loan Financing. That's when the nightmare began. My loan payments increased by $263.00. I went through the modification to lower my interest to lower my payments. Now I'm at risk again of losing my home due to the unjust raising of my home payments.

I called a few days ago and was informed to call again. When I did, I was not allowed to reach the assumption department. I just had questions for them for possible action, but I was not allowed. This is not customer-friendly. No forms were on the website either. There is little information on the web. I am very unhappy with the services and lack of human contact. They said I have to have a "good reason" to be transferred to that department. When I informed them I was ill and needed to speak to the department, they say they would call me back.

When I transferred Homeward Residential mortgage company to Ocwen, my mortgage and my life have changed. Ocwen refuses my monthly payment whenever I send it off; it was not enough for Ocwen. When I called the company to talk to customer service, you cannot understand what the person is saying. I explain to them about the mortgage, but they can't give a good answer. The mortgage company said they are sending a modification package several times. I never receive the package until when I get a lawyer I try my very best to pay mortgage. Ocwen is now putting my house on foreclosure. We all need help from this company.

I have been with Ocwen since August 2012, when Saxon sold our mortgage to Ocwen. We have been shuffled around since then. Not only have they lost mailed packages of paperwork but the inaccuracy and inadequate performance of customer service is horrid. I feel as though we have been put on a merry-go-round and keep turning up with the same thing! Right now, we are waiting for our modification again. We had been denied even though we both work and can afford a modified loan. I feel all this work had fallen on deaf ears. Whatever happened to customer service? I have gone to other sources to help save our home from foreclosure. I am on pins and needles praying that this is going to work! Ocwen, you should be ashamed of yourself! Companies like this should not be in existence.

I made a payment of $10,500 at the end of June to bring my mortgage current. The arrangement was to cover my past due amount for the principal, interest and escrow. The $4,000+ in late charges were to be left out of the arrangement. When I checked my account, it showed that the payment had been applied to the outstanding $4,000 of late charges and then applied towards just my April payment, and the remaining money was put into a suspense account. What is interesting is that I had tried to make a partial payment in June and was told that since I was past 89 days, the entire past due amount would have to be paid. No partial payments were allowed, which is exactly what they did by applying my payment to my late charges first and then to my past due amounts. I am now working to get the funds reapplied to the actual past due amount and bring everything current.

I have another piece of property that got sold from Homeward (derivative again) during the transition of about a month. I was current with AHMSI, AHMSI sold to Homeward, and then in a month or two, Homeward packaged and sold it to Ocwen. This particular piece of property has been a bad experience since it was bought, plagued from the beginning, back in 1987. I bought another house using my VA benefits, and still have this property (the Ocwen property). I have kept making payments all these years to try and live up to the original terms, and the property has been transferred through many lenders over the years.