OCWEN Loan Modification From Ocwen - Very Very Terrible Service !!!! Orlando, Florida

I recently was approved for a loan modification from Ocwen. They requested I put down a down-payment for 'X' amount, but needed for me to sign a 'loan modification agreement' first before I pay this down-payment. They mention I should recieve this 'loan modification agreement' within 7 to 10 business days. I wait and wait and still no 'loan modification' in the mail. I call and let them know I've not received the 'loan modification agreement', so they said they will go ahead and re-mail the 'loan modification agreement'. Till this day 10 business days have passed and I have not received this 'loan modification agreement' by mail so I called back the second time and told them just to e-mail it to me instead, this was just getting ridiculous. The 'loan modification' was supposed to have already been signed and sent (faxed) back by a specific date. Now that I've printed it from the email, I call Ocwen to notify I recieved the 'loan modification agreement' by email 'FINALLY' and they told me its too late to send it in....'what kind of crap is that !'* This company is terrible all together, customer service is terrible / they have a 'I dont care about you' type of atitude. They just do NOT understand and care. I've had Countrywide in the past, there customer service were pretty sharp compared to these knuckle-heads.....* The Feds Need To Shut This Company Down - Too Much Bad Is Coming From This Company And VERY Low Confidence w/ Among Its Customers/Consumers !
JonColorado, ColoradoU.S.A.
From: http://www.ripoffreport.com/reports/0/408/RipOff0408998.htm

Ocwen Loan Servicing our # 1 priority, is lying to you, not helping you Orlando Florida

In 2004, I refinanced with Ocwen. At there request I got mortgage protection insurance, with Aig insurance. It went down hill from there. Fast forward to December of 2007. I had a back surgery & was out of work for 3 months. I am self-employed, & have BCBS. When I got home from hospital, I called Aig to file a claim for the mortgage payments, while I was out of work. They said it was a invalid claim & refused to make any payments, & that the only way they pay this type of claim was if I fell out of a mail truck, while plowing snow, in the desert. That's another report. Anyway back to Ocwen. I was coming up on 4 months behind on mortgage payments, & I called Ocwen, & told them I could make 3 payments in 2 days, which was $ 4800.00. They said that unless I paid all the late fees, penalties, which, totalled according to them, $6200.00, they couldn't accept any payments. I hired a loan modification company on May 18, 2008. As soon as Ocwen was contacted by the mod company, Ocwen started foreclosure proceedings, with a sale date of August 13, 2008. For some reason, after going thru 4-5 reps with the modification company, the files finally got sent on 6/17/08, to Ocwen. After 3 weeks (7/10/08) Ocwen needed updated financials, to see if I even Qualify, for a mod. 7/22/08 they said they could do it but needed more documents, the same ones that were already sent to them 2 times. They agreed to a special forebearance type II, which is supposed to be a 90 day payment break, while modification is prepared. my payments went from $ 1561.00, per month to $ 1751.00 per month, plus escrow which I never had before, so now my payment is over $ 1900.00. It still took another 3 weeks to get it finalized, on August 12,2008, 1 day before saleSo, a quick recap, used Ocwen recomended insurance, got shafted, tried to make arrangements with Ocwen, got no help, used 2 loan modification companies, didn't see much negotiations. After all was said & done my payments went up $ 389.00 per month & my principle went from $ 189,000.00 to $ 202,000.00. Apparently their first priority is not helping the homeowner, keep there home
Bob Apex, North CarolinaU.S.A.
From: http://www.ripoffreport.com/reports/0/408/RipOff0408847.htm

TopDot Mortgage,Ameriquest,Option One,Countrywide,Amc,montgomery Mortgage ,ames Home Loans

TopDot Mortgage, ocwen Loan Servicing, Montgomery Mortgage, ameriquest, option One Mortgage, there Are So Many That Screwed Us!!! Countrywide, Amc, montgomery Mortgage There Are So Many.... ames Home Loans, We stand to lose our home because of the unfair and dirty loan practices of the companies above Calabass California

It's plain and simple we had to refinance to get a more reasonable payment so that we could save ourselves from foreclosure...Apparently It meant nothing to the mortgage banks and brokers above that we have children and live paycheck to paycheck.We would tell our story about how we got screwed by all of these companies to basically every company that was calling us and urging us to refinance.We believed what they were saying because we figured that they knew more than we did when it came to refinancing and getting out of foreclosure.They lied to us It was nothing but the bait and switch when it would come to the closing...we would sign all the papers as we were told to do and also told that our loan would not be sold again...We must have been with the closing mortgage company probably not even a week before they sold our loan to someone else and then the monthly payment suddenly would change as did the rate! Due to that fact once the mortgage company changed we had already sent our payment to them and because the payment did not get to the new mortgage company on time we would end up getting late fees which we did not deserve because our loan was not to have been sold in the first place!! Now we are with countrywide because we were sold to them we were told that we had a principle and interest loan payment for 30 years at a fixed rate of 7% and then we come to find out that we were lied to and we only have a 2 year fixed loan it is interest only so all the money we have paid has not done anything to bring down the loan amount from 318,000 and once it goes adjustable we will wind up having to pay 4000.00 a month as our monthly mortgage payment!!!! That is unbelieveable to think that these companies would do these things to people who trust them to do the right thing...we were lucky to get out of foreclosure because our mom and aunt gave us 5,757.93 which they did not have....and now the new bill for april is here and we owe once again 2,900.00 which is completely unaffordable to us!Countrywide is where we are now and they themselves refuse to help us lower our payments telling us that we dont even qualify for an fha loan that you have to make at least 60,000 a year and because of our late payments it puts us in a bad light....of course our credit was ruined by these shyster companies every time they would check our credit score they would pull it more times than necessary and that would make our credit score go down...This is just completely unfair I think that these companies should have to pay for what they have done to us as well as others who trusted them i think that they should be sued and or given jail time because they stole from consumers by deceiving them...theft by deception is a crime!I am willing to go soooo public with this answer any questions anybody might have I also find it interesting that once you close you can never contact the broker you were working with before the closing ever again!!! I tried contacting someone from topdot names andrew left him a message on his cell letting him know of our difficulties and that we stand to lose our home because of his and his companies unlawful mortgage practices and he never called me back which i expected would happen they are only interested in your money not helping you at all!!!
Raven GARWOOD, New JerseyU.S.A.

From: http://www.ripoffreport.com/reports/0/322/RipOff0322392.htm

OCWEN Financel-Loan Servicing HOUSE STOLEN BY OCWEN THEY OWN IT NOW I WANT IT BACK

I have read most of the reports filed and I am amazed to find out that OCWEN has done the same thing to so many people. When ocwen took over my loan I was paying $1600.00 a month payments Then they tacked on over $200.00 more a month for ins. I already had. After many calls without no response I fell behind on my payments. OCWEN put my house in foreclosure. I contacted them and got a modification. They lowered my payments to $1360.00 a month which they told me included a escrow account to pay ins. prop. taxes. They told me that this Modification would cost me $2000.00 which was hard to come up with in 2 days to save my house. After paying the mod. cost I had 20 days to come up with the first payment I was 1 week late on this payment which made me 1 week late on the other payments. After 3 months I got a letter from the county saying that they were going to sell my house for late taxes. I went down to pay the taxes and called ocwen to find out why they didn't pay my taxes out of an escrow that they got from my previous lender they told me that they used the money from that account to pay the Ins. that they added on. they told me that because I payed my taxes that I could have a 30 day extension to make my next payment. During this time they told me that I had defaulted on the modification because my payments were late. I tried to work out another modification with them and they told me that a Patti Goemaz was going to work it out. I called them a number of times to talk to this Patti Goemaz and all I got was her voice mail. My call to them on Sept.10 I was told that the house was to be sold on Sept.11 I called on Sept.11 and was told that Patti Goemaz was working on another mod. The house was sold on Sept.12 to a Representative of ocwen because no one showed up for the sale. The reason no one showed up is because the sale was not published. So ocwens rep. Got my house for $1000.00. I have left some of the details out but I think we all know that I got screwed by ocwen.What I need & we all need is some HELP! with this so maybe we can save our homes and in my case get my home back. I would sure like to know what I can do.
JimCrescent City, CaliforniaU.S.A.
from: http://www.ripoffreport.com/reports/0/376/RipOff0376467.htm

Ocwen Federal Loan Servicing Company Threatened With Foreclosure when I'm Not Even Behind Payments Orlando Florida

From:http://www.ripoffreport.com/reports/0/326/RipOff0326187.htm

ocwen has sent me a modification agreement to my Loan for me to sign, if i agree to sign it i give up all my rights to pursue anything from them but if i dont sign it i could be forced into forecloser on, based on prior servicer fees,previous bankruptcy expenses and legal expenses they are charging me . I'm not behind on any payments nor have any been missed,I have called them many times and it doesn't do any good,calls are rerouted to a call center in india,where you get someone you can't understand, and you get no where. They tell you their research team will get back to you and it could take up to 15 days.Why is this Company allowed to Operate in this Country and where is the Goverment to protect it's people from wolves like this.it just goes to show you the little people have noone to stick up for them.
Darlapoplar bluff, MissouriU.S.A.

OCWEN LOAN SERVICING BEING RIPPED OFF, BOGAS CHARGES, LATE FEES, MISSING PAYMENTS

From: http://www.ripoffreport.com/reports/0/321/RipOff0321295.htm

This company needs to be investigated and shut down! I have made every payment for 2 years and they say i am behind, they have missing payments, shortage of payments and i have proof all has been paid. I can not refinance because they reported on my credit as being $2000. behind in Dec 2007. There so called forbearance and loan modifications are a scam. I owe more on my loan after 5 years than what it originated for!! I have turned them into the Banking and Financing Commision and to the Credit Consumer if i get no responds from any of these people I am going to my attorney!!
Kathynorfolk,
Nebraska U.S.A.

Ocwen Financial Services Mortgage Company

From: http://www.ripoffreport.com/reports/0/320/RipOff0320352.htm

I lost my house January 2006 after having my loan for about 4 years. I have had a lot of financial issues due to many personal issues in my family and payments got behind. Everytime I worked out a deal with them, my payments would go up at least $200. I also did an forebearance agreements. We were in the process of trying to work out an agreement with them and I had actually been able to come up with over $7,000 to send them, and they sold the house right out from under us and basically told me oh well too bad. My parents had built the house before I was born. I grew up in the house. The company is horrible to their customers. I would love to see them out of business, so no one else has to go through what our family has gone through.
M Campbell, TennesseeU.S.A.

Ocwen Loan Servicing OCWEN SET UP LOAN MODIFICATION AFTER MY NUMEROUS ATTEMPTS TO REACH SOMEONE DIDN'T APPLY ALL PAYMENTS AND THEN SOLD/ TRANSFERRED

Ocwen Loan Servicing OCWEN SET UP LOAN MODIFICATION AFTER MY NUMEROUS ATTEMPTS TO REACH SOMEONE DIDN'T APPLY ALL PAYMENTS AND THEN SOLD/ TRANSFERRED MY LOAN HOUSTON Texas Internet

From: http://www.ripoffreport.com/reports/0/315/RipOff0315008.htm

I CALLED OCWEN 3 MONTHS LEAVING MESSAGES ON MY LOAN ADVISOR'S ANSWERING MACHINE AND NEVER RECEIVED A RETURN PHONE CALL. EVERYTIME I WOULD CALL IN TRICK THE SYSTEM TO GET A PERSON THEY WOULD TRANSFER TO THIS SAME VOICEMAIL AFTER I JUST EXPLAINED THE LADY WAS NOT RETURNING PHONE CALLS. THEN FINALLY AFTER 4 MONHTS NOW I AM IN FORECLOSURE LADY SAID THEY WERE MOVING AND THEY RE-ASSIGNED ME, SO SHE HELPED WITH A LOAN MODIFICATION I HAD TO COME UP WITH $1,700 APX. AND SHE SD MY LOAN WAS RESTORED. WELL APX 3 PAYMENTS WERE REPORTED TO MY CREDIT THEN THEY JUST STOPPED I CALLED AND CALLED LEAVING MESSAGES NO RESPONSE!! AFTER ABOUT 5 MONTHS APX WENT BY I GET A CALL FROM A NEW COMPANY SAYING MY LOAN WAS TRANSFERRED AND I WAS NO LONGER WITH OCWEN I TOLD THE MAN I DIDN'T RECEIVE ANY INFO. ABOUT THIS TRANSFER SO HE SAID YOU SHOULD OF GOTTEN SOMETHING IN THE MAIL I TOLD HIM I DIDN'T.BUT I AM CONFUSED BECAUSE THE NEW LOAN COMPANY HAS THE SAME PHONE NUMBER AS OCWEN.
TINA CLEVELAND, OhioU.S.A.

Ocwen Complaints? Do Something!

Complaining about Ocwen isn’t enough, unless you complain to the right Government agency! Today I called the Federal Trade Commission and spoke to a Gwen; she informed me that if enough people complain about a company (Ocwen) and have the same type of complaint the Federal Trade Commission attorneys will act on those complaints! Reading this blog and all the other things on the net, we all are saying the same things about this dishonest company! Key word here, Enough people must complain about the same illegal things and same company! I’ve made this easy so if you don’t do it you have no one to blame but Ourselves – Yourself!

Agency: Federal Trade Commission
Phone # 1-877-382-4357 this is a free call
Or file a complaint on line here: https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

You can expect to spend about 15 to 30 minutes between hold time and talking to a live person telling them your complaint. They will have an attorney call you for detailed information if enough of us complain about Ocwen and what they are doing to thousands of us. Do it now! Please! We must stand together and united.

Thanks JD

One comment said write your Congressman too, great Idea here is their contact information:

Senators of the 110th Congress: http://www.senate.gov/general/contact_information/senators_cfm.cfm

OCWEN LOAN SERVICING LLC, OCWEN FINANCIAL FRAUDULANT CHARGES, RIPOFF, WON'T RETURN MONIES, OR COMMUNICATE, 2ND GO AROUND IN FORBEARANCE Orlando

From: http://www.ripoffreport.com/reports/0/312/RipOff0312663.htm

I am 53 years old female who remodeled a bath in 03 and took a 2500.00 loan and refinanced my house. 1 year later, it was sold to Ocwen Financial. Payments were stable one year, then went up every 3 months. Then they put me in a flood zone, charged me $616.00 a year. Then i was sick and needed a liver transplant to live. I fell behind going on the 3rd payment but was after transplant. Husband wasn't working and my disability check was feeding us. I had repeatedly called Ocwen told them I am not in a flood zone. They said fax us the report from your surveyor. I did and he said the same 'she is not in a flood zone'. This went on 2 years. They charged another $616.00. Then i was told if you are not in a flood zone have FEMA remove it and we will give your money back. That was 2006. Still no money and i have called and called. I had a 11.678% rate and a they said you must pay today $820.00 and we will fax papers and you sign them or we will take your house. So i did this, cashier's check and all. Scared to death i would loose my home. This was Jan.06. They said the 'forebearance plan' would resolve all issues. BUT they don't tell you, when you pay on time, they still report you late. UNFAIR...so unfair. THEY don't tell you anything. I paid over 3000.00 more than what was behind and due and owing and they now say i owe 5300.00 and i need another 'forbearance plan' modification. I was told on Feb 8th, my down payment would be $790.00 and my monthly payment would be $363.45. I never received any papers, said it was restructured and it would be for fixed rate of 6%. NO PAPERS NOTHING came and i called on Feb. 8th(original call) then no papers so i called again Feb 11, 15, and today 27th and a new story of no no who told you that. It is not approved. They now have 1880.12 of my money setting in escrow and they won't let me have it. THey keep telling me you must contact the Escrow dept and have it re-evaluated. Well it has been done by fax, on the phone and certified mail since August of last year and still no money. RIPOFF.I need an attorney that will help me. Is there anyone or others that need an attorney to HIT OCWEN in the pocketbook. Other people have won several millions, but us little poor people don't have the funds. WHO ELSE HAS OCWEN RIPPED OFF? Let me know. Would love to hear your story.
Lickcreeker1
Paoli, IndianaU.S.A

Ocwen Loan Servicing, Ocwen violates Section 6 of RESPA and various other laws West Palm Beach Florida

From: http://www.ripoffreport.com/reports/0/312/RipOff0312432.htm

Well, I too have had nothing but problems w/Ocwen. I have sent several dispute letters and all have been competely ignored... they are considered 'qualified written requests' under section 6 of RESPA. These are violations here, inaccurate credit reporting, fees being charged, etc. Just the same thing you continually hear about Ocwen. When is the government going to wake up. Why is a business able to break the laws, but we get knocked for everything. They want my money and my house, well, it's not gonna happen. Here is also a link I found...look at what they make!!
http://www.cfonews.com/ocn/f032406.txt
pretty interesting what these people make and yet my husband risks his life every day and doesnt make 1/4 of what these people make and they want my little house too!
i cannot provide much info because of litigation soon.
anonymous Walworth, Wisconsin U.S.A.

Ocwen Loan Sevicing holding the check and sticking it to me thanks...to whom West Palm Beach Florida

From: http://www.ripoffreport.com/reports/0/310/RipOff0310781.htm

To Whom it may concern. Ever since ocwen toke over my mortgage. me not knowing. my fist payment was sent by the 4 of the month as always if not sooner .2 weeks later i recieved a call saying they have not recieved my payment. the money was taken from my acount 4th. that seemed funny to me. that they DID not post it till it was 2 weeks late. they still charged me late fees . for what i paid it on time???? that was from the very start. IT seemed they find a way to hold my payments till they are late. then charge the HELL out of me. im your average american 6 kids wife just trying to have something for my family. it has been 2 years with OCwen and a living hell . If they hold just one check it SCREWS up balanceof my books the the banks charge me too. how can survive like that? I lose all the way around. I barely make enough to make my payment and these TACTICS of said company(companies) is what is KILLING AMERICA apart. its all about the money. thats good and all but please. the goverment should be looking into practices of said company .and i'm sure others too.. I truly believe that....IM BEING ROBBED.. this has gone on for too long.. I read a ladies complaint on line . and i said wow thats My story. I dont feel alone on this.I believe this company has charged me and probably countless others IMPROPER FEEs for their mistakes.. not saying im perfect i'm not no one is. these people are screwing with my home. and i had no choice in the matter. all the loan people we dealt with. really didnot tell us the whole story when we signed the papers. ALL for the fast BUCK PLEASE DO NOT DEAL WITH THIS COMPANY. YOU WONT UNDERSTAND THEIR OPERATORS ANYWAY IF YOUR A LAWYER AND WANT TO TALK PLEASE DO... I'M BEING ROBBEDIm being robbedfishing creek, MarylandU.S.A.