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 LOAN SERVICING, LLC ANYONE FOR A CLASS ACTION SUIT AGAINST OCWEN LOAN SERVICING, LLC ORLANDO Florida

After reading many of the reports filed on this site, it has come to my attention that it is time the home owners should file a class action suit against this company. I too have had the same problems as many of you that have already reported. We were given to Ocwen when Aegis Mortgage Company filed Bankruptcy. We were on a forebearance program and then in November were sent a letter to bring the account current, that we would longer be on the forebearance program. The first certified letter came November 16 with a demand payment by December 16. Then we get a second certified letter dated November 19 with a demand payment for 1/2 the payment of the November 16 letter to be made by December 16. Then we get a third certified Demand letter December 17 demanding payment by January 17 with the same amount of money due (adding $5.21 more to the payment) that was due in the November Letter. We are current with our payments. We have proof of this. So what they are trying to pull, just does not make sense and to reach them by phone is a nightmare. To email them, you are really lucky if you get a reply of which they claim they will replay to you within 15 days. Whoop tee doo!! According to the Govenment Pamphlet on Fair Credit Practices, Section 805, clearly states that frequent calling (of which no one is on the other line either) is a form of Harrassment and is illegal. Well, with reading all the reports that have been given on this web site, maybe it is time that a class action lawsuit be filed to wake the company up. Oh, by the way, when they outsource to third world companies, and then ask for my social security number, are they crazy!!!! There is no way in 'Gods Green Earth' I am going to give anyone outside the United States my Social Security Number. I contacted my attorney and she said we have a great case. Maybe someone should put their money where their mouths are and prove to others that they honor what they say on their Web site. Do I have any takers. If you are interested in going with me in a class action law suit, please contact me through this web site and I will find a way that we can all communicate to get one started. I will watch this site daily to see how many people are really serious about starting the procedure. Without you there will be no releif for so many of us and more in the future.
Carl Sacramento, CaliforniaU.S.A.

From: http://www.ripoffreport.com/reports/0/295/RipOff0295279.htm

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, Nevada
U.S.A.
From: http://www.ripoffreport.com/reports/0/382/RipOff0382035.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

OCWEN FSB Raised and Doubled My Mortgage payment to $3700 through Forebearence Orlando Florida

I went to Ocwen fo help after I was laid off from my job and through Forebearence they raised my Mortgage Payment by $700 to $ 2600. I missed one payment and my Forbearence was TERMINATED and it has now been Reinstated to $3700 after I paid $8000 and all of the past due payments. I am struggling to make this payment and fear I will lose my home soon.
I do not qualify for the FHA loan because I am in Forebearence and am currently locked in a 11.5 interest rate with these crooks.

GwenPlainfield, New JerseyU.S.A.

Ocwen Loan Servicing Company jackxxxes - Ocwen took my late mother's ashes

Ocwen bought our house in a forclosure auction! That was a releif! The place had become a nightmare! But we had another week to get completley moved! To make things worse, those jackxxxes took my late mother's ashes. It was bad enough losing her in the first place. This makes it like losing her all over again! All I want is her ashes back! Is that to much to ask! Somebody please help me!
Nkeyes
kansas city, MissouriU.S.A.

from: http://www.ripoffreport.com/reports/0/361/RipOff0361734.htm

Ocwen raised our housepayment to almost double

They raised our housepayment almost double within less than a year and was charged for outrageous fees.
We lost our home.
Stonesaginaw, MichiganU.S.A.


from: http://www.ripoffreport.com/reports/0/354/RipOff0354918.htm

Ocwen raised our housepayment to almost double

They raised our housepayment almost double within less than a year and was charged for outrageous fees. We lost our home.

Stonesaginaw, MichiganU.S.A.

from: http://www.ripoffreport.com/reports/0/354/RipOff0354918.htm

Ocwen Loan Servicing Deceptive Practives for years Orlando Florida

Our mortgage was sold to Ocwen approximately 6 years ago. Immediately we started having issues with them. Granted at the time we had a situation, however we worked very hard to repair our situation.
Before the whole 'mortgage crisis' began in the economy, we have made several attempts to refinance to help our situation further. We have tried at least once every other year. EVERY time we had refinance compaines interested and ready to go, Ocwen reporting practices ultimately ended our attempts. We tried very hard to find a refinance company that can work through the mess Ocwen had created, as far as reporting. Over and over we heard the same things.... 'Ocwen has a history of bad reporting practices', 'they seem to report as they can, not on a required timely basis', 'None of this makes any sense', etc.
We am up front and honest to every company who seesm interested in refinancing us. However, to no avail, Ocwen seems to be able to keep us in their clutches. It feels like they are keeping us further and futher behind. We pay evey month... and yet it seems the loan amount has not changed in over two years.
This year has proven to be tough. We hav entered into yet another loan modification agreement. My husband lost his job late last year. He was very fortunate to obtain a better position earlier this year. A few months into his new job, I had lost my job. I have not been as fortunate to find a replacement yet. So far, we have been ok.
We made our payments, on time. However, we still receive notifications of notice of intent to foreclosure and daily recordings to call. I call; they 'assure' me that their records show adequate activity. I must admit after finally reading some of the ripoffreports.... I am unsure of the near future of this 'loan modification agreement'.
I am 100% convinced that they are crooked. I hve known this for quite some time. I have heard from reputable compaines, in not such bold terms... that they are crooked. They SHOULD BE federally investigated.
AhRock Hill, South Carolina U.S.A.

from: http://www.ripoffreport.com/reports/0/352/RipOff0352301.htm

Ocwen Loan Servicing - Aegis Mortgage Co. mortgage companies Orlando Florida

My husband and I refinanced our home with Aegis Mortgage. after awhile, we got a letter stating Ocwen was taking over and we started having to pay Ocwen. We were not notified of any changes. when we were finally able to contact a person at Ocwen, they informed us that they were a collection agency for Aegis Mortgage.
Over 6 months, our interest rate sky-rocketed to 13.5%. Ocwen told us it was because we were behind (had a hardship and got a month behind, but were still making payments to them for the entire next 2 months and actually catching up).
As we were trying to catch up, we asked if they would refinance for a lower interest rate. They said absolutely not and that they were just a collection agency for Aegis.
We tried and tried to contact them and finally got some guy that could barely speak English. After trying to speak with him, he told me that they would work with us and send us a packet of paperwork. 4 days later, while we waited for the paperwork, we received a forclosure notice. After calling them and asking why, they informed me they decided to forclose instead of work with us.
We had to spend $1500 and hire a Loss Mitigation company to help us out of the forclosure.
Today, we were told by the Loss Mitigation firm that Aegis went bankrupt and Ocwen was our mortgage company. I thought they were just a collection agency for Aegis?SO....Ocwen decided they are now going to work with us and offered us a loan restructure. after we sign the contract, they have reserved the right to add on all fees accrued from the original forclosure.
Don't need a law degree to know NOT to sign that one!
Nice, ay? If anyone has been through this or knows how we can get some justice, please let me know!!!
MaryLansing, MichiganU.S.A.

from: http://www.ripoffreport.com/reports/0/346/RipOff0346967.htm

Ocwen is holding my money for ransom Palm Beach Florida

OK, this is complicated so stay with me. Ocwen took over loan servicing from Bayrock Mortgage in 2006 on rental duplex building. In September 2007, I stopped making mortgage payments, due to both a dispute with Ocwen and deadbeat tenants. In February 2008 the building burned down. My tenant was arrested for arson. I had not been served any foreclosure papers at that time, nor had I received any notice of acceleration at all.
The property was insured for replacement value. I was served with foreclosure papers after I notified them that the place had burned down. They continued to pursue foreclosure. I went in front of Judge Graham in Volusia County, and explained that an insurance payoff was pending and he told the attorney that he would not rule on any foreclosure until the insurance was settled.
I had filed a motion to set aside the lis pendens because of the fire. And also argued in my answer to the foreclosure complaint that predatory lending may exist at loan origination; that they had failed to send me anything to accelerate the mortgage; that they had charged mysterious fees on my account; and the plaintiff in the law suit lacks standing. The plaintiff is HSBC Bank, trustee for asset backed securities etc. I can't find anywhere where HSBC has any interest in this loan. The judge was pretty interested in that tidbit. Judge Boyko ruling against Deutsche Bank, if you're interested. They also stopped sending any statements out to me when I requested a mortgage modification back in September.
The amount of insurance is well over the mortgage amount. After jumping through all of the hoops of the insurance company they finally paid the entire claim, check payable to the owner and Ocwen jointly. Signed the check and sent it to Ocwen. There was nothing else I could do. I have the payoff in writing with letters acknowledging that they received the check.
After they received the check I received a settlement agreement that they want me to sign that signs all my rights away. And the language in the settlement agreement is that if I don't sign it they will return the money to the insurance company and continue to foreclose. I have written a letter to the Ocwen attorney that I am dealing with stating that I will not sign that settlement agreement and they better give me back my money anyway or I'll just have to let the judge decide. I plan to fax it to the attorney on Monday.
Now, interestingly, the attorney for Ocwen that I'm dealing with is in Alabama. I'm in Florida, the property is in Florida, and the Ocwen customer service people I deal with are in Orlando, Florida. That settlement agreement was faxed from her office in Alabama, but has the name of another Florida attorney at the end of the agreement. These are different attorneys from the foreclosure attorneys, Fishman and Shapiro, who were doing the foreclosure. Those guys are more or less like cyborgs, only know one thing. Foreclose.
Does anyone know if that is unlicensed practice of law in Florida? An Alabama attorney preparing a settlement agreement for an insurance property damage refund for property in Florida. FAxed from her office, I dont care whose name is on it.
I probably would not have gone after Ocwen for their business practices if they would have just sent me my check. But now that they're making it difficult and the language in the settlement agreement is so one-sided and self serving, I must have a claim for further damages. They would not negotiate away any of the fees at all on the payoff, even though they knew that the property had burned down, I had to continue to be responsible for the full mortgage amount. They also refused to waive a prepayment penalty. And out of the excess insurance money I am also having to pay attorney's fees when they should have just waited for the insurance money to begin with.
I had to jump up and down and scream and shout to get Ocwen to even acknowledge there was a fire. The attorney in the court hearing in May, after Ocwen was informed of the fire in February, said, oh yea we got some pictures. They got pictures of a burned out building and continued to pursue foreclosure.
I'm hoping one hand doesn't know what the other is doing and customer service will just mail me the check. On Thursday they said that they would. Otherwise I have to back down this attorney or go talk to the judge. The Bar Associations, this Alabama attorney's bosses, and everyone else is going to hear my story.
Floridanative9999Venice, FloridaU.S.A.

From: http://www.ripoffreport.com/reports/0/342/RipOff0342872.htm

Ocwen forclosed on never returned calls emails or physical mail

I had my mortgage with Option one, who sold it to Ocwen, got caught up in the ARM, could not keep up mortgage payments, so put house on market. Ocwen forclosed, house will be auctioned off on 7/1/08. I tried to contact ocwen numerous times, by phone, email and physical mail after they started forclosure. They never replied, would be on hold for hours at a time when tried to call. Anyways, their terrible service cost me my house.Given up
Cranston, Rhode IslandU.S.A.
From: http://www.ripoffreport.com/reports/0/332/RipOff0332722.htm

Ocwen Loan Servicingocwen Federal Bank false information on all three credit reports Orlando Florida

MY EX WIFE AND I HAD A JOINT LOAN ON OUR HOUSE. AFTER THE DIVORCE SHE REDID THE LOAN AND THE DEED IN HER NAME ONLY IN 2005 WHICH IS RECORDED AT THE COUNTY COURT HOUSE. WHEN I CHECKED MY CREDIT REPORT IN 2008 ALL THREE CREDIT BUREAUS HAVE ON MY REPORT A FORECLOSURE. I TRIED TO CONTACT MR COLLINS AT OCWEN NUMEROUS TIMES AND LEFT MESSAGES FOR HIM TO CALL ME BACK BUT HE NEVER DOES. I HAD A ATTORNEY LOOK OVER THE DEED AND THE RECORDS AT THE COURT HOUSE AND WAS TOLD I WAS NOT RESPONSIBLE FOR THE LOAN OR THE HOUSE SINCE EVERY WAS REDONE IN MY EXWIFES NAME
David a xxxxxxnitro,
West VirginiaU.S.A.

from:http://www.ripoffreport.com/reports/0/330/RipOff0330203.htm

Ocwen unresponsive, rude, heartless thieves Internet florida

From:http://www.ripoffreport.com/reports/0/326/RipOff0326873.htm

I am writing this response like others to the experience they have had with Ocwen. It started when I could not refinance, and could not make the payments after my 2 year interest only mortage. I spent countless hours on the phone with these people getting the run around, one time spending 3 hours of I have to transfer you to, holding, to I cannot help you with this, I will have to transfer you again.First off you cannot understand them as they are based in india, and when i had repeatedly asked for someone in the states they said there was no one!My forbarance agreement was so open-ended; 1:they wanted 3 months down payment2:impound my taxes after i had already paid them3:pay insurance when i already pay it.4:and if u agree to these terms and we found out u make more we are going to take more. Who in there right mind would subject themselves to that.Also after all that i said i wanted to do a short sale they sent me the paper work and said they would contact me in 3-5 days they never did and my realtor did 2 1/2 weeks later and they are now not taking any short sales. they never call u when they say they will or send u the paper work they say they will unless it is about getting their money!!!!!
KendahlMurrieta, CaliforniaU.S.A.

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 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 Company They refused to accept a short sale, and left me with a 1099-C that they can't substantiate Orlando Florida

From: http://www.ripoffreport.com/reports/0/312/RipOff0312948.htm

I thought I was alone in this...I started my process of a short-sale with Ocwen in Oct 2006. I had 2 real estate companies and multiple investors eager to sell/buy the property. The only probelm was Ocwen, they were not interested in accepting a short sale for the present market value. The property lost value between 2005 (when purchased) and 2006. I had extremely long hold times, constant change of contact persons handling my file and never a solid answer on my package. On 9/21/2007 my property went to a sheriff sale. This came after finding three different buyers and getting denied three times. These buyers were all interested in paying present market value. On the day of the sheriff sale the property went back to the bank for $100 according to the foreclosure attorney. Now in February 2008 I am stuck with a 1099-C in the amount of $164k. The bank can not explain to me where they came up with this number and has not provided me with any details of a transaction that would explain that charge. What am I to do? I've never made that much money, now I have to pay taxes on it. I did everything I could to save my home from foreclosure and now this.
Ms. XXXXXJersey City, New JerseyU.S.A.

Help against Ocwen

From: http://ocwen-mortgage-company.pissedconsumer.com/complaint-20080101112137.html


Lamphear6@netzero

1yr ago we entered into a forbearance plan with both mortgage companys. on the final month we recieved a notice that they ocwen forclosed on my house and they were taking moneys for an escrow account. after many months of talking to them and my first mortagage senting them 14yrs of payment history. they still to this day state that they are in first postion and that my home was forclosed for 3 months so my credit *** and they sent me a bill due 2-1-08 for 13,850.00 in pass due payments help!!!! any info needed.now

Ocwen opinion - I am so sorry that I met these people

From: http://www.pissedconsumer.com/consumer-reviews/mortgage/ocwen-opinion-%11-mortgage-companies-2007040597575.html

I am so sorry that I met these people. They are horrible to deal with.. I was sick and started Chemo Therapy and THEY DON'T CARE!! They kacked are payments up for FOREBARENCE and we can barely afford them, now.. We are always getting nasty calls, even if we ar 1 day late.. Oh and not to mention.. NO grace period when on Forebarnce,, Plus all the fees.. I asked for a payoff, and it was 13,000.00 more than what we should.. They have reported our credit wrong to the 3 major companies as well as I feel as if they are flying like buzzrds around our house, waiting to take it at any second!! They, sould be ashamed of themselves.. I asked them to restructure our loan so we can get back on track, now that I have income again.. That is an option of their on their website, but not one person will discuss that option... I feel as if I am drowning in a pool of sharks.. They are ruthless.. I feel sorry for anyone who deals with these people. I pray for the soles when Judgement Day comes to them.. I would love to Sue the pants off of them and shut them down for good, so no one else ever has to endure what we have gone thru... God Bless You all and may your situations work out.. You are all in my prayers tonight.
KimberlyPalmyra, VirginiaU.S.A.