Ocwen Loan Servicing Sold house even after modification was approved

In October we worked with a 3rd party to help modify our loan. After hours of deliberation, Ocwens Mr. Marshall and us finally came up with an agreement. We were to pay our loan amount of $5387.00 in November (we did) and $4135.28 in December (we did) and then had to pay principal and interest of $3939.96 in January (we did).The modification was taking what we owed and moving it to the end of our loan $618,434.73, stuck 40Kplus to the end of our loan and lowered the interest rate. Exactly what we were requesting, payment was still a little high but managable. Make a long story short we received a letter on 2/18/09 from a paralegal stating that county records stated our house has been sold. Since it didn't have a name on it I thought it was junk mail but took the chance and called Ocwen anyways. Heard the message that 'Thank you for your payment rec'd in Jan as of May 2008 your balance is $0. Confused I pushed to talk to a representative.He stated yes our house has been sold, that the modification was approved but the forbearance wasn't so they accepted our money but never intended to keep their word.I asked to speak to someone else, he transferred me to REO left a message and of course no response as of yet. I went online to the Tax Accessor and ran our parcel number, our house was sold to HSBC for $355,000 and went 100% sole owner to HSBC, on 2/17/09.Another ironic thing is we had our house up for short sell and was given an offer of $419,000 and Ocwen declined it but yet they accepted the offer of $355,000.Then we rec'd a call 2/20/09 from a representative requesting cash for keys. Of course I said no chance, that something is wrong and they have done us wrong.She sent me to a Manager, again he was requesting the same thing keys for cash so I told him the story and said I even have all the documentation to prove it. He sounded a little shocked and said he would hand this over to someone to research it. As of right now we are in limbo, we retained a lawyer, not sure what good it will do. But we were tryig to do the right thing and it appears Ocwen had no intentions of honouring their word.Since the moment I knew we were in trouble I have been upfront with them and tried to work with them and never once did they until we paid a 3rd party to get involved. We feel we have been scammed and treated as less than. We will not let this defeat us but I guarantee you they will have a fight on their hands. I will go to the media, I intend on writing letters to congress and our legislature, not sure of what will get done, but I know someone somewhere will hear me.
PennyRancho Cucamonga, CaliforniaU.S.A.
from: http://www.ripoffreport.com/reports/0/426/RipOff0426940.htm

OCWEN Loan Servicing who's the biggest losers ? (us ) who's the BIGGEST liar & thieves OCWEN

there anyone to help ward off these THIEVES ?? Sure they will work with you. ha ha .. We made an agreement with them in Sept to the tune of 11,664. and some odd cents. GOT a receiver code from THEM to sent the money.. and next payment was to be Nov 2008. Well they sent it back late in Nov. said it was not enough to satisfy them ( greedy b******s) Now they will not take any payments and it is up over 15,000 since then.. do the math... most of it is BOGUS fees I am sure. We have tried to call and you all know how that goes. !! So now they want to know where did I come up with this agreement.. gave them the persons name and of course NO ONE by that name AND nothing in my file about it either.. And that the 11,0000 was not enough to 'satisfy' them either.. but they sure as hell kept that. and sent back the 1330.00 payment.. $4000. in fees are now added so we are up to the 15,0000 MORE not counting the 11,000. NOW DUE.. ha ha.. when I told them they agreed to all of this they basicially called me a liar.. BUT I got the last word ( for what it was worth) because I asked them ' if no one talked to me and gave me this info - how would I of come up with that random amount and why would I send it to them.. BUT where I got them was on the receiver code. THEY give you that number... so I asked them where did I get this figure and code?? did I just pull it out of my ASS !!! they did not like my tone !They said they would do a forbearance to the tune of $2000. per month. I am having a hard time with the 1330.00 where do they think I will come up with more.??This part is just the recent mess with them..... this has been going on for 12 years ~ a month after I bought my home- they bought the note and it has been a NIGHTMARE since...Something needs to be done NOW for those of us still in the ' process' with them.. I only owe 90,000 on my house and it is worth twice that..THEY WILL NOT GET MINE..Lets stick together and help each other.. WHERE is an attorney that has the ' you know whats' to stand up to them.
ChrisRockton, Il.GoodSoul2rockton, IllinoisU.S.A.

OCWEN LOAN SERVICING, LLC LOAN MODIFICATION???? How can this be a loan modification when the payment will be increasing $150.00 per month?

I applied for a loan modification in October, Ocwen said they sent it out on December 29th, I never got it. They agreed to re-do it, only according to them it would not be as good as the original one. I finally got the loan modification with two weeks to respond, they are adding $17,000 to loan princinpal balance and upping my payment $150.00 per month. Am I missing something here? Isn't a loan modification supposed to help you stay in a house? As far as I understand Ocwen is owned by Wells Fargo, didn't they get a bailout to help the homeowners? Oh yes, and try calling customer service, that's a joke, I will be losing my home of 5 years to foreclosure and if it means that I don't have to do business with them, maybe that is a good thing. What I want to know is in the future how do I know I will have a mortgage with a reputable company so I don't have to end up doing business with Ocwen because my mortgage got sold? Stay away from Ocwen, and I, too, would be willing to participate in a class action lawsuit, I may not reap the rewards of willing, but it could keep someone else from getting shafted!
Ripped off in texas
HOUSTON, TexasU.S.A.
from: http://www.ripoffreport.com/reports/0/422/RipOff0422881.htm

OCWEN LOAN COMPANY RIPPING OFF MY COUSIN AT THIS TIME... PULLING ALL THAT I READ ONLINE NOW

I am researching this RIGHT NOW. This company is working the scam on our cousin as I type. She has had the home two years and now they are asking for more money and more money....threats of attorney fees, telling her they will write off all that was paid the last two years and do a NEW LOAN for her. Was to send papers so she could file and after 1 month nothing has come in yet.I am researching so my cousin can try to save her FIRST TIME HOME BUYER. We are looking to get OCWEN to do what's called 'short pay' We still do not know if they are going to be able to keep their home. They are all just sick about this. There were adult family members who were living all together in the home. Out of 10 brothers and sisters, there were four adults and their wifes living in this home. It's now only three family members as they think they will lose the home.If this Ocwen Company is really a scammer why are they still allowed to do this to citizens?Where can we file against this Ocwen Company for a class action suit?Okay....this is just starting for us....I will check back and see if there are others who have fallen into this trap.Do we need to file with the Attorney General?They can't afford an attorney. Our cousin DOES NOT live in the city wew live in, they are in Pacific, Washington. Should we write our govenor?
Couzin Belfair, WashingtonU.S.A.
from: http://www.ripoffreport.com/reports/0/422/RipOff0422764.htm

Ocwen Federal Bank they are charging late fees,lawyers fees and you name it every month for as long as I can remember

I have been with Ocwen Federal Bank since the prevoius lender (Delta Funding) signed me over to them without even contacting me to do so or see if I wanted to try to get another Lender. Ever since I have been with them I have paid nothing but interest on this loan,and don't forsee ever getting the loan paid off making just monthly payments that have been paid from the beginning. I have lots of fees that have added up to $2,398.99 such as Reprot Fee,Inspection Fee Property Evaluation Expense,Complaint Fee,they even charge back to me for Certified Letters they send thru the mail to me.They ahve always charged a late fee even when a Forebearance Plan was worked out to start fresh payments, they said that was for the payments that were not made on time in the past. If you get a Fresh start Forebearance Plan should the late charges not be dropped unless you don't make the new payment on time. I have been with this company for many years and don't see a way out right now,I just came across the Ripoff Report and had no Ideal that all this had been going on all these years.
Brenda ****Little Rock, ArkansasU.S.A.
from: http://www.ripoffreport.com/reports/0/418/RipOff0418550.htm

Ocwen Loan Servicing Ocwen admits they sold my home illegally!!!

I have reported this company and their illegal activities to various authorities and my objective in posting this one is to find someone who is willing to help! I can be contacted @ 209-298-3834 (Deanna Walters) Someone has got to stop Ocwen!!They began servicing my loan December 2004 and from the first month OCWEN has stated my loan was past due. Each year I have had to stop foreclosure
proceedings by paying unwarranted fees they have added each and every month which there is no justification for. Each time its the same procedure: they hold payments and do not post them to my account, then comes the notice to foreclose following the return of my payments stating it isnt enough to bring the loan current. Three times in three years this has happened. And throughout the process I hear the same ridiculous excuses, let me transfer you to a supervisor who never answers; our system is down; a confirmation number given at the time of a payment doesn't actually mean a payment is accepted; contact us via email; given me wrong addresses; phone numbers; and even wrong account numbers to wire money directly from my bank to theirs! NOTE: I HAVE NOT MISSED A PAYMENT AND HAVE EVEN MADE ADDITIONAL PAYMENTS TO TRY AND PREVENT ANY ADDITIONAL FEES BEING IMPOSED. How could I possibly be in foreclosure? I am informed by my bank on 1/30/09 that ocwen rejected my wire transfer. I called them to hear what excuse they had this time and they inform me that my house has been sold! They apologize and let me know they tried contacting the person who bought my home at an auction to see if they would 'back away' due to their (Ocwen) error and the person declined. She again apologized and said there was nothing she could do!! I am still in shock and can't seem to find anyone to help me stop this. I read about the THOUSANDS of homeowners this is happening to by OCWEN and still they continue. I am hoping someone will read this and offer some advice on my next step. I will not walk away from such an appalling disregard of the law. There has got to be something done to stop this company!
Deanna
stockton, CaliforniaU.S.A.

Ocwen charging me late charges of $1520.25 and I have never been late and I have copies of my payments

ocwen has been sending me statements in the mail saying that i have current late charges of over a year old. i was never late and i told them this. now i receive an letter for them saying to aviod possible negative consequences of unpaid past due amounts on your mortgage loan without having to increase your payments.
they want me to sign this notice saying that they can add this amount to my mortgage or this may result in foreclosure. i will not sign this notice because i donot owe ocwen late charges.
this company should have never been in this business, they are only trying to ripoff as many people as they can, before they are closed down.
any type of suites filed against them i am with you all the way. someone has to stop them from ripping honest people off.
i am so thankful that i am one of those people that makes copies of everything.
my sugguestion to all the readers is to always check into any company you deal with(sometimes things may seem good at first but there may be a trick down the line).
Never late
Richton Park, IllinoisU.S.A.

Ocwen Federal Credit, Ocwen Financial, Ocwen Bank overcharging, adding fees, sheriff sale, higher note, more to give them to give a forberance

I had been sick and I went to them to ask for a forberance to save my house, they told me that I would have to send them $500 by a certain date and they would send me the paper work. I was doing good than I got sick again and had to be off work. I asked to help me and they told me this time I would have to send them $1245 and my notes would be $600 for the next 12 months I told them I could not afford that so they put it up for sheriff sale that was suppose to happen in March, I filed bankruptcy and my attorney asked me how far behind I was and I told him a little over $5000 they sent him a letter and told him that I was over $18,000 behind and I told him that was not correct. They had tacked on all kinds of fees, late charges and anything else they could think of and right now I am still trying to get them paid and my bankruptcy and I dont know what to do or where to turn and i started looking on the internet and saw this.

Vanessabaton rouge, LouisianaU.S.A.

from: http://www.ripoffreport.com/reports/0/354/RipOff0354676.htm

OCWEN They screwed us big time, and no one at their company cares. Carol Stream Illinois

From: http://www.ripoffreport.com/reports/0/304/RipOff0304687.htm

We had bought our home 2 years ago and guess who the lender was OCWEN, well we were exicted to be home owners. The first year was fine, no problemes at all, other then the constant calling when it cam past the due date, but yet you had your grace period.Well Christmas of the next year we mad that payment late, that is where it all went down hill. We had gotten multiple foreclosure letters in the mail and phone calls. My husband and being new at this called them up to see what the problem was. Oh my god they said that we need to pay 1,200.00 to get caugt up and they can arrange a forebearance plan for us to get caught up. We first had to send them 436.oo to start the plan. Well we did.We then got these papers in that said we would be on it for 6 months and have to pay 600.00 wchich is 200 more then normal. So we did that for the 6 months and I then called them up to see if the payment would be back to normal?????Guess what, I think not they said we are not caught up yet, we would have to extend it for 4 months yet..The whole time I am looking at our monthly statements and there are all of these charges that are Misc, ask them what they are and they don't have a clue.Where did all that extra money we were paying go to..They don't know!!!They reported us as being 90 days late even though we were not..They SUCK SO bad, when you go to the web site to leave comments and stuff, you get a crappy computer generated respones sent back to you..We have tried to refinance but can't because of them, they finally sent us a letter stating that we are no longer in forbearance, but on my statments it said that payments have changed and could reflect on your forebearnace plan.WHAT THE HELL DOES THAT MEAN????idiots complete and udder axxholes is the proper word.If anyone has any info on refi please let me know, Iwould be so grateful....Boop Freeland, Pennsylvania U.S.A.

Ocwen Loan Servicing Ocwen has threatened to foreclose on my home and said that they did not recieve payments that I sent.

From: http://www.ripoffreport.com/reports/0/316/RipOff0316051.htm

I have sent checks to Owcen and even post-dated checks. They sent letters saying they never recieved payments even though my bank account is now in the negative.They are going to foreclose on my home the 15th of this month if I do not come up with a payment of around $2000.00. I even go ta letter on some kind of insurance that I do not have wanting a payment on that also.I have tried to call them to figure out what is going on and I have gotten no where. I even tried to get repayment options and was given a phone number that was out of service. I have a daughter and a grandson that lives with me and by the end of the week we will be homeless. JohnPonce de Leon, FloridaU.S.A.

Ocwen Loan Servicing Bank What you did in the dark OCWEN will show up in the light (i.e. Court). West Palm Beach Florida

From: http://www.ripoffreport.com/reports/0/312/RipOff0312761.htm

I have been fighting with OCWEN for the last two years since my loan was sold in 2005. I have received certified letters from Ocwen saying that my loan is in default and I owe over $9,000.00 and I am in jeopardy of defaulting on my loan agreement. In return I sent Ocwen a certified letter stating that I disagree with this amount due to the fact that I requested the escrow fees to be cancelled and we would pay our own taxes. Ocwen told us they can not discontinue our impounds because it is too much of a risk. Then our payments increased without prior notice of about $400.00 our contract said the payments were not suspose to increase untill October of 2007.
I called Ocwen but could not understand the rep I was speaking with and nothing was resolved at that time. I sent prearranged bi-weekly payments the payments were diposited before the time agreed an resulted in my check being returned. Ocwen then refused my payments unless I paid by cash only.
They then wanted late fees, attorney fees, and other fees that I have never heard of, I asked if they wanted my first born too. I ended up contacting a lawyer because they sent me a letter saying my home was on the auction block. In the end I paid over 21k to bring the account back to contractual agreement, ( yea right!). The lady oops! wrong choice of words, the ocwen employee Evelyn said she cannot guarantee that the loan will be reinstated. They then ask for anoher $3000.00 for some other bogus fees. I told them they had better take that 21k and leave me the hell alone. To this day Ocwen have not updated my information with the credit bureaus and I am unable to refinance because of negative reporting. My prayers have been answered. Finally GOD has sent Mr. Hanson to the rescue.
Angela Victorville, CaliforniaU.S.A.

Ocwen Loan Servicing , Ocwen Financial A Nightmare Orlando Florida

From: http://www.ripoffreport.com/reports/0/305/RipOff0305446.htm

In August 2006 my Mortgage was transfered to Ocwen Bank. Almost from day one Ocwen has been posting late charges for payments that I made on time. My payments are due on the 1st of each month with a 15 day grace. In one instance they sent me a letter for insufficient funds on an automatic debit. Ocwen was suppose to ACH a payment of $1020. Instead they debited $1123. Ocwen, without authorization added hazard insurance charges and a home warranty service. I'm in the tank for $3000 and I never missed a payment. I am getting default letters weekly but conversly Ocwen has never refused a payment. When I call Ocwen all I get is lip service from someone that doesn't understand english. On 1/23/08 I sent Ocwen a certified letter (return receipt)disputing the late charges together with a request for validation of the debt. I Received the return receipt un-signed. Here is the kicker!! My home owners insurance and property taxes are escrowed. I received a notice from the city that my 2007 property taxes are delinqent in the amount of $1600. A 1098 that I received from Ocwen stated that they paid $1722 in 2007 taxes from Escrow. Not only did they not pay my taxes , the 1098 stated they paid more taxes than was due. I would certainly apreciate a referral to a competant attorney to help me solve this problem.Edhuber Hts, OhioU.S.A.

Ocwen Loan Servicing How do I Join the Law suite? Orlando Florida

From: http://www.ripoffreport.com/reports/0/304/RipOff0304793.htm

It started off just fine untile I got behind one month so I called to make payment arangements and they said I was behind two months! I said NO I'm not here is my payment records the lady on the other line my records were wrong, So being a good boy I fax them to her no change I was still wrong. So I made up the payment and went on several months later we had problems with money and I got behind again so this time they said I was three month behind !!
Are you kinding I was all caught up unitl yesterday when I missed this payment how could this be???? well ser you need to make this up or go into forecloser. Can put this at the end of my loan ? welll I'll look in to it.
so a day or so went by so I call and the guy on the line said no we can't but you can make large payments to make it up.( My payments are $1492.00 a month , over the phone he said $1622.09 now I got just the bill and it says $1777.57 what the hell are they pulling???)So tell me how I can join the law suite? My email is (((REDACTED FOR SECURITY PURPOSES)))
GeneCoupeville, WashingtonU.S.A.

Ocwen help ocwen is ruthless Orlando Florida

From: http://www.ripoffreport.com/reports/0/301/RipOff0301624.htm

Started in march of 2007 payment we made was reported late when in fact ocwen posted to another acc. took ten calls and over 40 hours to reach them ocwen fixed it but still posted on our credit that the payment was late. In the months of November and December of '07 we were behind in our payments due to medical reasons this being our first time ever to be late. OCWEN sent a notice of default the 24th of December saying I had to pay the past due amount 1085.06 by January 17, 08 Dec 28, 07 received a letter stating a interest rate freeze if I sent 1110.58 by December 31, 07 which I did by overnight mail. I was all current as I thought when I received a letter January 7, 08 stating ocwen did not received in it there within a specified time frame but they cashed the check and posted it December 31, 07 OCWEN said they were going to send the signed agreement with the check back to me which they have not nor posted to the acc correctly. I was sent four different acct statements with different amounts to pay. I finally got though to them and Ocwen stated they receive nothing and told me that January payment would go to fees that we owed but would not tell me how much. There is much more to the story but I am now trying to work with our fair housing to get results.I would love to be involved in a class action lawsuitRecardotoledo, OhioU.S.A.

Ocwen Loan Servicing

From: http://www.ripoffreport.com/reports/0/300/RipOff0300919.htm

Ocwen bought our loan in 2005 and we were notified by greentree the origanol holders of our note, 2 months after the day our loan was sold ocwen call and said we were 4 months late,problem was I had the cashed checks from my bank stating the payments were made and money was received. They of course blamed greentree and stuck it to me. Six months later they called back stating the situation had not been resolved because my bank was wrong. They wanted the 3 back payments and the current one I told them to go to h@@l and paid them the payment that I owed them Akeehm said because I chose to fight them they were going to do what ever it took to fuck me and my credit. Last month We applied for a loan to consalidate our bills and boy was I suprised to know I was 6 months behind and not current with my loan. Over the course of 2007 we took our balence from 11,500 to 3006 so how could I be over six months behind and not current. I called Akeehm and he said that ocwen did what he said they would I am pretty much screwd. The loan processer at our bank said that ocwen does not update their computer so people can't get out from under their grip. He also showed me page 1 of my account with ocwen which shows I have been over six months behind and not current with my bills and then he showed me page 2 which showed every payment I have made to ocwen since they took over my loan that showed I had been late 5 times in 2 years. How come they can get away with some thing like this?Can someone help me or tell me what to do?JayrogGirard, KansasU.S.A