Ocwen Financial Filed fraudelent credit report stating they forclosed on me and they refuse to fix it. They got paid there money, but won't admit it.

This company bought my son's loan from Ameriquest. I was the co-signer. When Ocwen got it all of a sudden I was the only signer. The property became involved in a legal battle with family and they illegally added their names to the deed. I no longer had legal rights and never got a dime of the piece of property. Wasn't even a mortgage. Ocwen told my son they would wait for the sale to go through, but threatened all the time. The sale went through, I got nothing. Ocwen because of false lien filing (filed on someone elses property) still reported on my credit that they foreclosed. I sent them a copy of the letter they sent me stating it was paid in full, I sent them a copy of the settlement statement stating it was paid in full and still they won't take it off my credit. Its like a personal vendetta against me, because I want to refinance and they want me to continue paying the price of their ignorant hate. They actually hate white people and women, I am both. That to me is discrimination and they should be held accountable for that. They are all from India and think they are the superior race. Business is supposed to be non discriminate. Their practices are very shady. If the government bailed them out, we know who the government prefers out of country businesses.
LaurieFallon, NevadaU.S.A.
From: http://www.ripoffreport.com/reports/0/382/RipOff0382035.htm

OCWEN DISORGANIZED,NO HELP,ADDED FEES ORLANDO Florida

Ocwen-Where do I begin. We started with this company a few years ago and have nothing but frustration and tears. We fell behind one months payment because of medical bills and are now being told that we owe for 3months of mortgage. I have called their 'customer service' line several times to get an answer and have been told that our payments are late and we have accumulated several 'other' fees. We recently had storm damage from IKE and received a check from our insurance company. They had made the check payable to us and our so friendly mortgage company which will now not sign the check due to their added fees and late payments until they are paid in full. That is our money and they have crossed the line. Is there anyone who can help us get out of this nightmare and this horrible mortgage company? They want their money but don't care to help you or keep track of the correct payments. What do these people do with the checks,and why isn't there a class action suite filed against these people,they are messing with a lot of families and people who truly are honest. Where do you find that anymore.
ToriWest Chester, OhioU.S.A.
from:http://www.ripoffreport.com/reports/0/381/RipOff0381611.htm

OCWEN THEY ROB US PEOPLE WEST PALM BEACH OR ORLANDO Florida

it is the same story with this company, if anyone know how to make the goverment close down this company and take over our loans, please,please let us know
Tricia,new yorkbronx, New YorkU.S.A.

Ocwen Technology Xchange Whistleblower Suit West Palm Beach Florida *UPDATE Ex-Employee responds ..The ticketing system's data wasn't totally lost..

Richard ***************, Delray Beach, FL 33483,Plaintiff,vs.Ocwen Technology Xchange1665 Palm Beach Lakes BlvdWest Palm Beach FL Defendant )Case No.: Violation Whistblower Act, Invasion of Privacy, Violation of Computer Privacy Act, MaliceDated this 27 day of October, 2004Let it be known that Ocwen Technology Xchange is a Florida Corporation located at 1665 Palm Beach Lakes Blvd, West Palm Beach FL, 33401. If the defendant is know under any other names or companies and states this suit will be amended to reflect those changes.Let it be known that Richard the Plaintiff resides at 215 *********** Delray Beach, FL 33483.In November of 2003 Richard did accept a Sarbanes Oxley contract with Ocwen to review their network infrastructure. In accordance with this agreement Richard was to be paid weekly. Further the contract stated Richard was to have complete access to all relevant data without interference from or by the direction of Ocwen.During the month of January Richard began a review of all uptime for critical financial applications that Ocwen monitored for a period from Jan 2003 to Jan 2004. This data was kept in an application called Whats Up Gold. Upon completing his analysis of this data Richard provided a report to Dale Pickford, the CIO of Ocwen and Richard direct report.This report showed a serious material weakness in the overall stability and reliability of the applications know as REAL Servicing, Real Mortgage, Real Trans and Real Loan. The data showed over 14,300 trouble tickets submitted on these application in a 1 year period, further the data showed that these applications were down (not working) as much as 34% of the time. This made it impossible for Ocwen to correctly report loan information to its customers during normal business hours.Richard met with Dale Pickford the CIO to discuss this report. Richard was told to cease all investigation into the uptime of these critical applications and to review other areas inside the IT organization. Richard was told to confine his review to only areas outlined by Dale Pickford.During this meeting Richard informed Dale Pickford that the data that was reviewed clearly showed a material weakness and in accordance with 404 had to be acknowledged or disclosed publicly.Richard discovered after this meeting all data that had been examined had been deleted from the Ocwen Network.Numerous inquiries were sent to Dale Pickford and Bill Ownby asking for an explanation of the missing data. None were ever received.Richard did inform Kevin Wilcox VP of HR that based on his understanding of Sarbanes 404 rules, a serious and perhaps criminal incident had taken place. And unless a reasonable explanation was provided in writing detailing the reason for the deleted data Richard would report the incident to the SEC.Richard notified Kevin Wilcox that this information also supported claims in another lawsuit file against Ocwen Federal District Court in Connecticut Docket #3:02CV960. A $1.5 billion class action suit claiming Reckless Misconduct, Civil Conspiracy, Fraud Claims, Illegal Accounting Practices as a partial in the suit.Kevin Wilcox acknowledged the receipt of the information and agreed to investigate. At that time Kevin Wilcox did inform Richard that if he notified any agency Ocwen would take legal action. After a reasonable period Richard did contact Kevin Wilcox again for status of the issue he had reported. Kevin Wilcox failed to respond.Richard did contact the SEC and provide a full account of the issue he had observed. Ocwen Technology Xchange filed and Injunctive Claim for damage against Richard asking for $15,000 claiming he had violated his employment contract by reporting this information to the SEC. After notifying Ocwen legal council that a Congressional investigation has been initiated into Ocwen activities and contact with a local news station about Ocwen action a third party hired by Ocwen did attempt to hack into Richard home computer. The log files of this intrusion were kept.IF IT PLEASE THE COURTOcwen Technology Xchange has clearly violated The Whistle Blower Act known as FS, §112.3187 (4) ACTIONS PROHIBITED (b) An agency or independent contractor shall not take any adverse action that affects the rights or interests of a person in retaliation for the person's disclosure of information under this section.Richard Block followed the procedure established in FS, §112.3187 5) NATURE OF INFORMATION DISCLOSED--The information disclosed under this section must include: (b) Any act or suspected act of gross mismanagement, malfeasance, misfeasance, gross waste of public funds, or gross neglect of duty committed by an employee or agent of an agency or independent contractor. And reported this information in accordance with FS §112.3187 6) TO WHOM INFORMATION DISCLOSED--The information disclosed under this section must be disclosed to any agency or federal government entity having the authority to investigate, police, manage, or otherwise remedy the violation. The SEC is the agency identified in Sarbanes Oxley 404 as this body.TO AWARD DAMAGES IN THE FOLLOWINGThis suit is being filed Pro Se and in accordance with the appropriate US Supreme Court rules ask the court indulgence in addressing specific legal issues and further ask the courts protection from predatory legal practices by opposing council. Ocwen Technology Xchange has damaged the professional reputation of Richard and has hampered his ability to develop business due to Ocwen frivolous and irresponsible actions.In accordance with FS, §112.3187 (9) RELIEF--In any action brought under this section, the relief must include the following:(a) Reinstatement of the employee to the same position held before the adverse action was commenced, or to an equivalent position or reasonable front pay as alternative relief. (c) Compensation, if appropriate, for lost wages, benefits, or other lost remuneration caused by the adverse action. (d) Payment of reasonable costs, including attorney's fees, to a substantially prevailing employee, or to the prevailing employer it the employee filed a frivolous action in bad faith. (e) Issuance of an injunction, if appropriate, by a court of competent jurisdiction.(f) Monetary consideration for the extreme mental hardship and anguished willfully inflicted by Ocwen Technology Xchange.(g) Any other funds the court deems appropriate.(h) Compensation for the damage to Richard Block career by filing a frivolous suit against a professional consultant which directly impacts his ability to find gainful employment.(I) Compensation for the invasion of privacy into Richard Block home computer network and violating the Federal Computer Privacy Act.This information is true and correct as attested to me this _______________________RichardDelray Beach, FloridaU.S.A.

Ocwen LOAN MODIFICATION COULD NOT MAKE MY PAYMENT BEFORE HOW DO THEY THINK I CAN MAKE A HIGHER PAYMENT West Palm Beach Florida

I did a loan motification in May, wanting to keep my house I did what they asked and gave them the down payment of $1,500. They said to make 2 payments for the first two months in the amount of $2,498.00. They still managed to send me a statement with late fees and other fees on top of that. I could not make my original payments that were around $2,100.00, why I agreed to it is beyond me. I recently contacted them again and advised that I just can't make those type of payments. They said that I could do another loan motification and that I would now have to come up with almost $2,700.00, which they said was an average of two monthly payments. I told the rep if that was true then why the first time was my down payment only $1,500.00? He could not answer me. I then asked if they were participating in the Hope for Homeowners program, he said that at this time he did not see that my loan would qualify that they had already sent letters to who did. I said that the program states that if the amount of your payment exceeds 31 percent of your income and that you needed to check with your mortgage company to see if they were participating. If you are participating and I fit the qualifications why can't I start the process. All he said was you might qualify later, but in the mean time the longer I wait the more my downpayment on a motification may go up. I could go on and on, specialy on how when you call customer service you get people who read a script from India. I have asked several times that I wanted to speak to someone in West Palm Beach and I get switched back to the main menu and get the same customer service in India. They act like they want to help but have the attitude of 'oh well'.....
ANDREApifer, FloridaU.S.A.
From: http://www.ripoffreport.com/reports/0/378/RipOff0378889.htm

Ocwen Mortgage Company This is a Long Hard Journey, But We All Need to Have the Courage to Continue No Matter How Hard the Going Gets Orlando Florida

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I would like to know what is the latest report on the complains against Ocwen Mortgage Copmpany. I read so many complains posted here on Ripoff, but have not read any results from the complaints.I'm also a victim of Ocwen Mortgage Company...and I truly regret that I refinanced from my previous Mortgage to Aegis Lending. Aegis Lending went bankrupt last year and Ocwen took over. Well, when Ocwen took over, I was told that I was behind my mortgage payment although, it was not my fault that it took Ocwen 3 months to update records from the previous lender (Aegis) yet they count that as being the fault of the borrower. Yes, they have threatened to foreclose my home, but I will not let that happened.I have asked for options and Ocwen put our mortgage loan under a forbearance plan, meaning that payments has increased. In the interim my payments will have covered the previous late payments within a given date. I have hired a company called 'American Forclosure Service' to work with Ocwen in working out a 'Modification Plan' which means to lowering the interest rate of the loan...I've worked with AFS since May 2008 and neither I nor the AFS has received any agreement or approval from Ocwen.I feel that I've exhausted and tried ways to work things out with Ocwen, and my next step is to write to Congress and copy of this letter to my lawyer. Yes, I have records of my monthly payments and other important documents for proof.I feel that as long as I'm under the forbearance plan and paying my mortgage monthly, I have good grounds and evidence.It is going to be a long process...together with lots of prayers and having faith in Our Almighty God...something good will come out of this. Yes, I have setbacks and disappointments with Ocwen, but I feel that I can succeed in spite of this misfortune. The key is having the courage to keep fighting no matter how hard the going gets. He, who falls nine times, but gets up tem times is a success. Success is a journey, not a destination.
Jennystafford, VirginiaU.S.A.
From: http://www.ripoffreport.com/reports/0/360/RipOff0360418.htm

Ocwen Mortgage Company In Florida.... They are a scam & will act like they want to help & turn you DOWN!!!!

It was a big mistake for our original loan company to sell our loan to Ocwen, they are no help they charge you falsifying late fees and they send you millions of letter stating that they are there to listen and help you with your financial problems. Back in June my husband lost his job and we were left with only one income, which is when we started having major financial problems so we put our home for sale in October of 2007. We didn't get anyone coming to see our home, so I called and asked for a hardship packet in December and nothing came, in January I called again and nothing came, in that same month we put our home for a short-sale and nothing, no one came. Our agent tried to contact them but would get the run around and the reps were hard to understand. I finally called them and they told me that because I was only two months behind they couldn't help me and that if I got the hardship packet my payments would not go down that much. I stop making my payment in Feb. 2008. They are not willing to help, they give me this option to pay a down payment and two installments but they lied by giving me the figures that didn't include property taxes. I called and asked for help a fourth time and they told me, “Put if for sell," I said I did, they said, “well short-sell it," I said I did, they said, “well that is all we can do for you." I can't afford the high interest rate, nor the high payments, we have 3 children, and they won't help…but still keep on sending these letter of how much they are there to listen & help. They are a joke, I am so over losing my home, its just really sad to see my children go through this.
GloMoreno Valley, CaliforniaU.S.A.
From: http://www.ripoffreport.com/reports/0/379/RipOff0379085.htm

Ocwen Financial Ways to Hold Ocwen Accountable, Straight Up Info, Take It Or Leave It West Palm Beach

Here's a few more contacts for you to voice your concerns. Start here with contact numbers and names. Beat their phones down and their emailsOcwen Consumer Ombudsman at (800) 390-4656 or OmbudsmanWilliam.erby@ocwen.com - 561-682-8520ronald.faris@ocwen.com - 561-682-8560scott.anderson@ocwen.com - 561-682-8913call into the switchboard at 407-737-5000 and ask for other members of upper management email and phone numberThe best way to get Ocwens attention is to call anyone above or below at the following companies that either supply Ocwen with your accounts or rate Ocwens performace and tell them how bad a job Ocwen is doing. Tell the companies that originated your loan how bad India is screwing up your account, terrible communication, lack of follow up, 5000 Indians, 5000 different answers etc... Tell the rating agencies that drive Ocwens stock price how bad a job Ocwen is doing. Again, Ocwen doesn't wake up every morning and say 'Now how can we screw our 400,000 accounts today'. Reminder, Ocwen makes more money via your performing loan vs a non performing loan, called an interest payment. Ocwen doesn't not intentionally or deceitfully try to break the law. They're just completely stupid via INDIA and upper management that can't settle into a consistent way of doing business. Everyday upper management wakes up and asks themselves how to make more money and they try different rules and regulations, internally, and hope that rules and regulations don't violate any law. Lehman Brothers - Richard Fuld Jr.Fitch - Thomas Crowe at 212-908-0227 or Kathleen Tillwitz at 212-908-0239Standard and Poors - Richard Koch - 212-438-2513 or John Bartko - 212-438-7368Moodys - Fern Wang - 212-553-4621MorningStar - ?Try also - Credit Suisse Bank - If these numbers don't work, call 411 for updated info but call the decision makers about your issue.Check Ocwens stock price - Pathetic - Ocwen stock price from 3.55 in 03 to 15 in 2006 back down to 4.65 in 2008. Erby will say, Well this and that, market conditions, economy, blah, blah, at the end of the day, little anticipation of your needs and his mismanagement which funnels down to his incompetent managment team.As a reminder, Ocwen is a skeleton crew in Orlando, FL, under 125 employees. Intuit - AKA Quickbooks supports takes up the entire top floor and over 1/2 of Ocwens bottom floor. They are also leasing out additional space that Intuit can't occupy. Most of Ocwens foreclosure reps are now in West Palm Beach, FL. India is your biggest liability if your loan is at Ocwen. Reminder, tell the Ombudsman or a manager to raise the USAO flag so that calls to you and from you will route to the US NOT india. And don't take Ocwens excuse that calls will still route to India whent the flag is raised, the call won't. Also tell a manager to place 'USA calls in and out only' in the comments screens on the front screen. Tell your congressman to mandate all calls about a mortgage stay in the US. Site communication, privacy and security of your SS#s and personal data in a foreign country as reasons to keep your accounts in the US. As far as the last comment made on 02/28 about why Ocwens doors are still open ?I can answer that, they don't blatantly break laws but they are sloppy with their rules and constantly changing processes. India and the US communication is extremely weak. What a US agent and a homeowner can discuss normally, is foreign to an Indian, they don't have a mortgage system in India. They are learning on the job with your loan and their turnover is very high. Read my original email from 09/03/2007. They aren't crooks, they're just aren't very smart and you pay for their mistakes. When you have a delay in some sort of processing, It's India, when your payment is posted correctly or on time, It's India, when your payment is lost, It's India, when your fax can't be found, it's India, when your payment is sent back, It's India. As for your complaints on this site. Waste of your time. Your time will be better spent when you begin complaining to rating agencies and the companies that supply Ocwen their loans. Don't complain to the originator of your loan, complain to the lenders company president. A few of the companies that feed Ocwen their loans are New Century, Delta Funding, Lehman Brothers and a host of others. Ask you lender who they farm out your loan to for servicing. Spread the word far and wide. The only problem with you sounding the alarm is that there are so few of you. Keep in mind, Ocwen services about 400,000 accounts. There are about 1300 complaints on this site. 4000 complaints are only 1%. So all you combined are less that .25 of 1 percent. But if you all call rating agencies, mortgage lender presidents, the BBB etc... you might get a more favorable response. As for the main way to get Ocwen off your back. Pay your mortgage payment on time. A forbearance plan is a priviledge not a right. Basic Forbearance Plan 101. If your payment is 100.00 and you are behind 1 month, How do you make up the payment ? Pay an extra 50.00 over 2 months, or an extra 10 over 10 months, but until your missing payment is accumulated and then utilized to complete the missing payment, you do pay a late charge, but that's better than loosing your home. Ocwen doesn't want your home. Most of you have deferred maintenance needing attention, you may live in a bad area on and on. Ocwen doesn't want the hassle of carrying your homes cost until sold. They want you interest payment. They are rated as a servicer based upon delinquency. Ocwens infrastructure is weak at best. They are constantly changing, never, never letting their process settle or gain strength before changing again. All this does is to keep the employees off balance and compromise the servicing of your loan. Ocwen calls Six Sigma constant process improvement, but at the end of the day, every conversation splinters the effort of servicing your loan that much more. If you read back years ago, you can find many posts from Robert the crybaby in Crestline California and Marlene the motormouth from Miami, FL. The worst homeowner that didn't understand the process of loan servicing was Kweku - (puke-up) Hansen. These 3 main whiners were the worst. They don't have a clue how the home they own became theirs or their responsibility once they signed on for the loan. Make it a point to educate yourself on homeownership responsibility. You have a responsibility to repay what you borrowed. You didn't sign a promise to pay.... unless this or that happens in your life including medical issues, loss of job, economic conditions or even if you croak. Ocwen is terrible as a loan servicing company, but you signed a promise to pay. They are governed by what you signed per the companies that assign loans to them. So, quit your complaining and pay what you owe on time.I'll address any issue from anyone, if you don't pay your mortgage payment for whatever reason, you are guilty. Unfortunately, I still have to audit Ocwens processes and screwups and I'm still amazed at the ineptitude but still not excuse for your lack of prompt payment.
Ocwen Facts of LifeWest Palm Beach, FloridaU.S.A.

From:http://www.ripoffreport.com/reports/0/327/RipOff0327262.htm

OCWEN LENDING TREE LENDINGTREE Scam

Yes, I made a big mistake too...Did 14 years of Honorable Marine Corps service. Came back to the states after Iraq and decided my family needed to have me around so I put money down on a house that I could afford. Shortly after Ocwen started to raise their rate and I couldn't afford it anymore. Couldn't get approved for a fixed APR or anything. Ect, Ect, Ect you guys know how the story goes. Ocwen harassed the crap out of us with lawyers and every trick in the book. Finally after a year of being harassed with foreclosure papers (Never a date to get out of the house) I made plenty attempts to bring my loan current-but they won't work with you. Now the house sits empty and abandons waiting to be sold by Ocwen. I called Ocwen the day after we moved to let them know the doors are locked and they can have it back. Ocwen was wheeling and dealing with offers for me then (well it's too late).......................The moral of the story is: Don't try to bleed me for money, because I'll cut you back----DEEPER...A Company run by foreigners from other countries helping to rip apart the 'American Dream' - Their home base is not Orlando Florida.
Ocwen is run by Terrorists!***Lending Tree is also a scam***OcwenScrewedMe2!
Jacksonville, FloridaU.S.A.

From: http://www.ripoffreport.com/reports/0/378/RipOff0378198.htm

Ocwen Financial This company is ripping people off by the way they conduct their business and it is not fair

I am writing this hoping I can get help. My husband and I built our house in 1997 and when we signed the loan it was for 30 years. Our loan was switched to Ocwen in 1999 and since then it has been crazy dealing with them. They are telling me our maturity date is in 2009 and that means our loan was for 10 years and that is not what we signed. Our original balance with them was for 86,125.00 in 1999 and for this day in 2008 that balance is 82,093.27. Where has my money been going. According to them I have paid a little over 4,000 toward my loan in 9 years. Huh? Also we got behind on payments and I borrowed money from family and sent them a check for 2,744 and they did a loan modification. They told me that there would be 274.00 add to my payments for taxes and insurance. Which I did not understand because I paid those. I am being charged all this different fees that I do not know what it for and it keeps getting more each month.Also the loan modification I signed stated that for the first two months I would pay my original payment(which is the trial period) and after that they would add the escrow. Now they are telling me that I have to pay the escrow starting right away. I faxed them my loan modification that stated otherwise and they are still arguring with me. I am beside myself. I do not know what to do. I am sending them money and I am not seeing where it is going. I reguested a history of my payments for as long as my loan has been with them and have recieved nothing. I am so scared that some how I will lose my house. I am worried about the maturity date because according to them that in 2009 my loan will mature and we will have to pay the house off. How am I pose to do that? I just don't know what to do and would love to have some help in this matter.
Kimberlywalton, KentuckyU.S.A.

From: http://www.ripoffreport.com/reports/0/377/RipOff0377305.htm