From: http://www.ripoffreport.com/reports/0/294/RipOff0294291.htm
This started as an e-mail to an Attorney friend of mine. At the time had no clue of their destructive history. Hey its Trav. Leave it to us to get lost in the cracks, extreme negligence on the part of our mortgage holder. H&R Block sold loan to OCWEN within the 1st month. Loan fixed for 3 years, adj. 1st statement from new mortgage holder has changed interest rate to 10% instead of 8. Perhaps simple mistake. No I was about to partake in the darkest Dance Macabre that would render the twilight zone infantile. Having 1st to get the correct rate 8% back and forth w/ incorrect pay off. Amazingly I received over 15 diminutive assurances from at least 3 supervisors that they were well within their rights to cram a cactus up my bum without the benefit and forethought of lubrication. My take on this is well prior to exploring Newton and the law of physics. We need to commence with baby steps and first examine benefit and forethought. Let’s all cheer for what attracted us here in the first place Owcen’s customer pledge and mission reassurance. In other words, which cacti would you prefer, prickly hard straight thorns, or the extremely popular charmin soft feel razor wire. Consumer Ombudsman (Hun, my interpritation of an Ombudsman has always been a German logger, Paul Bunion type) Mission Statement Who butters this guy’s toast each morning, our advocate and voice, more like covert damage control and information gathering..Ocwen is committed to providing superior customer service. We offer a wide variety of payment options and numerous ways for our customers to contact us, including our automated telephone system, e-mail or talking to one of our Customer Relations agents. To continue our efforts to ensure our customers' satisfaction, the Consumer Ombudsman position has been created to provide each of our customers with a resource to assist with unresolved concerns and issues. If you are unsatisfied with the servicing of your loan, or you do not feel that an issue has been resolved adequately, the Consumer Ombudsman will serve as your advocate. The Consumer Ombudsman is not involved in the servicing of your loan. The Ombudsman is, however, knowledgeable about loan servicing and the related laws, regulations and industry practices. As your advocate, the Ombudsman will review your concerns and Ocwen's response. The Ombudsman will question Ocwen's servicing department on any areas of the servicing of your loan that do not appear fair, reasonable and proper. As appropriate, the Ombudsman will make recommendations to Ocwen's Senior Management as to how your complaint should be resolved. The Ombudsman will communicate the findings and Ocwen's resolution of the matter directly to you. The Consumer Ombudsman will not respond to first-time issues. If you have had no previous contact with Ocwen concerning your issue, please contact our Customer Relations Department for assistance at (800) 746-2936 or you may click here for mailing addresses for general correspondence or complaints.You may contact the Ocwen Consumer Ombudsman a variety of ways as provided below: By email at Ombudsman By phone at (800) 390-4656 By fax at (866) 771-5152 By mail at: Ocwen Financial CorporationAttn P. O. Box 785061Orlando, FL 32878-5061 mmm Below is our statement, from 9 of 07. See the 4K + payment 9-17. Account current. The meticulous few somehow forgot to inform their counsel the loan was current and about to be paid off. (Benefit and forethought)? My banker politly pressed me for the reason of current forecloursure proceedings on the same property and how could I even ask a friend to associate what many view as so called “ Mortgage Kite-ingâ€. As of 10/01/07 loan is current. Some how regardless of their impenetrable safeguards and fanatical tenure upon benefit and forethought, no one passed this on to their counsel: thus our careing and meticulous friend and in many cases only friend. The one that crushes the American dream void of remorse, calessly reverting to comacasi techniques in fact rumer has it they are the 1st born damnation of Enron and Worldcom. We live in a small rual community close to the OK-KS line. For us the gangs all here. Mathew, Mark, Luke and even John himself still educate the masses via media outlets. We were served a foreclosure notice that was pinned to my front door. Still w/ me. Ok kind of pissed when one of my golf buddies asked if everything was ok as he read the bad news the public legal posting in the dally paper. Notice ran 12-14-07. Over two 1/2 months later, publicly humiliated, due to Ocwen’s negligence and as I have come to find out widely practice customer service.Only one question though, would my original fiduciary relationship with H&R Block be exposed to any liability. Not due to their right and intent to sell the folder, but by continuing to sell to Ocwen irrespective of the well-known history. All right sick of this again. O.K. two questions, can anybody help?ThanksEnsumbledeux: ever thankful for Owcen’s gracious gift to all mankind: The 15 point customer satisfaction journey that sooths us along our way to the Pearly Gates, behind which live benefit and forethought. Be good wtc Ocwen's 15 Point Loan Servicing Customer Commitment PlanOcwen specializes in the servicing of residential mortgage loans. We promise you our total commitment to provide the highest quality in customer service. Keeping you satisfied with our service and current on your mortgage loans is good for everyone: you build equity in your home and improve your credit rating, and we benefit from your business. To achieve these mutual goals, Ocwen is committed to the following '15 Point Loan Servicing Customer Commitment Plan.' 01. Ocwen will post all customer payments timely and accurately through our third-party lockbox service and our internal processing center. 02. Ocwen will give you payment reminders both by phone and letter when we see that payments have not been received by the contractual due date. By doing this, we help you avoid late fees, maintain the best possible credit rating and avoid foreclosure. 03. If your loan becomes delinquent, Ocwen will assist you in a professional and consultative manner to work out a fair and reasonable resolution, such as a repayment plan, to avoid a foreclosure. We will also provide information about homeowner counseling and credit counseling services that may be able to provide further assistance to you. For additional information regarding homeowner counseling and credit counseling services, click here. 04. Ocwen will acknowledge receipt of all written customer complaints within two business days of receipt and respond to all written customer complaints within 15 business days. If we are unable to fully respond to your issue within 15 business days, we will explain why additional time is needed and provide you an estimate of when we expect to be able to reply. 05. Ocwen strongly encourages you to use our monthly escrow account service for paying your taxes and insurance so that you can spread these expenses over 12 months. As is more fully explained during our 'Welcome Call', and on our website, establishing an escrow account with us is free of charge and provides many benefits to you. For additional information on setting up an escrow account, click here. You will be able to print the necessary form on-line. 06. If your loan is escrowed for taxes and/or insurance, Ocwen will pay your taxes and insurance timely and accurately so that you receive the benefits of all discounts. If Ocwen fails to pay your taxes and/or insurance in an accurate or timely manner, you will not be responsible for any penalties or interest. If you pay off your loan, we will promptly return to you any remaining funds in your escrow account. 07. We will report your payment history to major credit reporting agencies on a monthly basis. If you consistently make your payments on time, this may improve your credit history so that you can benefit in future credit transactions. 08. When Ocwen obtains the privilege to service your loan, we will contact you by phone with a 'Welcome Call' within the first 30 days to introduce ourselves, review and confirm your loan information and answer any questions that you may have. If your loan recently transferred to Ocwen and a welcome call has not been completed,click here to log into your account and verify the information provided to us by your prior servicer. This is important for the proper servicing of your loan. By using Wiz, the Ocwen Wizard, you will be able to complete the Welcome to Ocwen script. To log into your account, you will need your Ocwen User Id and password. If you do not have a User Id and password, please click the New User link located above the online sign in area of our home page. Within a few days of first receiving your loan to service, Ocwen will send you a 'Welcome Letter' and an account statement with your first month's payment coupon. Utilizing your payment coupon will help to ensure that your payments are applied to your account timely and accurately.If your loan is transferred from another servicer to Ocwen, we will make every effort to ensure that the transfer is smooth and that all information concerning your loan is set-up in our system accurately.Additionally, if your loan is transferred from another servicer to Ocwen, for the first 60 days after transfer you will not be charged any late fees or have negative information reported to the credit bureaus if your payments are sent timely to your prior servicer. Ocwen will work with your prior servicer to make sure your payment is forwarded to Ocwen and posted to your account accurately.09. Ocwen will ensure that our customer relations, research, collections and loan resolution consultants are well trained, professional, courteous and consultative in all interactions with our customers. We will provide periodic sensitivity and diversity training to all of our staff. We will make every attempt to meet the multilingual needs of our customers. If you are not satisfied with how your loan is being handled, we will make a supervisor available to you. If you are still not satisfied, you may contact our Consumer Ombudsman at (800) 390-4656 or Ombudsman , or you may mail your concerns to Ocwen Financial Corporation, ATTN: Office of the Consumer Ombudsman, P. O. Box 785061, Orlando, FL 32878-5061 for further assistance. 10. Ocwen will issue payoff quotes within four business days of an authorized request. If we are unable to meet that timeframe due to the unavailability of information, we will contact you to advise you of the delay. To request a payoff quote click here . 11. If you are required to maintain adequate hazard and/or flood insurance on your property as part of your loan agreement and Ocwen determines your coverage is not adequate or has lapsed, we will notify you at least two times by mail, the second notice by certified mail, before purchasing adequate insurance for you. We will not have a policy issued on your behalf for at least 60 days after the lapse in coverage, and your account will not be billed for the premium for at least 80 days after the lapse in coverage. If we do purchase insurance for you and later are provided confirmation of continuous insurance coverage on your home, we will credit your account for any premium refund due within 5 business days. If lender placed insurance has been assessed to your loan and you have proof of continuous insurance coverage, and/or you would like to provide updated insurance information via email, click here. You may also fax this information to our Insurance Department at (888) 882-1816. Please be sure to include your loan number.Insurance we purchase on your behalf is usually more expensive than insurance you buy, so please make sure your policy does not lapse and that you provide us with the information about your policy when you renew it.12. We will offer you flexible options for making payments, including checks, money orders and recurring electronic debit (i.e. ACH). Additional flexible payment options via our customer relations and collections agents, interactive voice-response system and our secure website are also available for a small charge. To enroll in Ocwen's Automatic Clearing House program (ACH), click here to print the ACH application. 13. Ocwen will comply with all applicable laws and regulations including the Real Estate Settlement Procedures Act, Fair Debt Collections Practices Act, Fair Credit Reporting Act and Fair Housing laws and regulations. 14. Ocwen will keep your financial information secure and private. We will deny access to your personal account information to anyone who you have not authorized to receive such information. 15. Ocwen will provide you with complete access to your loan balance and account status through our detailed monthly account statements, our 24/7 telephone voice response system, our 24/7 on-line account information website, and our trained customer relations agents and research staff. We can be reached at (800) 746-2936. For information about your loan on-line, click here. To log into your account you will need your account number and the last four digits of your Social Security Number. Wiz, the Ocwen account Wizard, will walk you through your account, answering many of your questions. Always remember, if you question anything above this scary omboodmans guy comes out of the forest with an axe and about 100 people on hold!!!!Ensumbledeuxwellington, KansasU.S.A.
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