Ocwen Ocwen reporting late to Credit Bureau so no modification to loan?

Ocwen calls me 15- 20 times a day starting with the day loan payment is due until it is paid. Doesn't matter about the grace period. The fact that they start calling me the first of the month and so many times during the day ticks me off. Now when I call for modification they tell me I can afford the payment every month even thous I have sent them all the info they asked for proving I cannot. They are telling me to let it be late and then they can help me after 3 months. I tell them what will you do to my credit and they say it will have to be reported to the Credit Bureau. Today I find out they have reported me late and I have never been late. I want to refinance but now this fictious late payment is keeping me from being able to refinance and get the hell away from them! I would be more than willing to join a class action lawsuit. Besides I am sick and tired of trying to communicate with people who cannot speak English!!!!
CarlaPeoria, ArizonaU.S.A.

From:http://www.ripoffreport.com/reports/0/394/RipOff0394913.htm

OCWEN LOAN SERVICING LLC verbally abused on monthly basis by loan representative- called before payment was even due

Every month before our payment due date, we would received abusive and threatening phone calls from a loan representative assigned to our account. He was always demanding that we make our payment via western union and would continue to call until we gave him the confirmation numbers. We were told that if payment wasn't received before close of business on the due date, default paperwork would be submitted and penalties fees would be assessed. This person was very unprofessional, rude, and intimidating. Everytime I would bring up questions regarding the 5 day grace period, heated words would be exchanged to the point that I usually hung up. I was so glad when our loan was transferred. I recently checked my credit report and noticed that Ocwen is scheduled to continue showing on my record until Nov 2013, although the loan was transferred to another lender in 2001. Which I find curious.
Ganellepost falls, IdahoU.S.A.

from: http://www.ripoffreport.com/reports/0/369/RipOff0369582.htm

Ocwen Ocwen Bank Ripoff racketeering, breach of contract, unfair debt collection practices, overcharging borrowers bogus service judicial misconduct ?

I do not even Know how to begin telling you about what Ocewn is doing to us. It is the same stories every one else is telling, I filed a complaint with the FTC and have not heard a word from them, perhapes it's that im not a lawyer but they are really putting the screws to us with changeing our loan agreement, so called late fees, legal fees for them sending us a certified letter to my husband, one to me and another to both of us and charged 30.00 for each one which we did not sign for. They wont send our monthly statement by regular mail, If when they do we get 3-4 of them on the same day with different amounts owed, We sent them 3 payments in one envelope and they still say we owe them and that we are late if anything we over paid.
We would like to file a suit but we need lawyers that are willing to take on this maffia organization, state and local wont help, If any one knows how to contact Grant & Roody esq from boston mass. I think they won a claim like this before against Fairbanks, please contact me we are located in the state of p.a. I dont think i am allowed to give out my email on here but I will trydawn d cohenour at yahoo dot com or dawndcohenour at countryilink dot net
Oh Please some one help before my husband does something bad. Oh and by the way Ocwen if you read this have fun harrassing us like you have been because it's all on tape..and how you got our unlisted phone number was illeagal as well.
Thank you
DawnMifflintown, Pennsylvania U.S.A.

Mortgage Nightmares Come True

From: http://www.cbsnews.com/stories/2003/11/28/eveningnews/main585953.shtml

(CBS) Jo Scheck's American dream -- her own home -- was lost when the mortgage payments for her Bel Air, Md., townhouse skyrocketed. "You get this letter April 3, 2000, telling you that your mortgage payments have been increased by $400 a month?" asked CBS News Correspondent Randall Pinkston. "Right," Scheck replied. For years, she'd paid $900 until her mortgage servicer, Ocwen Financial Corporation, said they hadn't collected enough for the escrow. Ocwen reduced the payments by $100, but not enough for Scheck, who was forced into foreclosure. "This is a mistake that they admitted making. They said, you know, sometimes things like this fall thru the cracks," she said. In Hartford, Conn., Kweku Hanson claims Ocwen tacked on homeowner insurance he didn't need, and never credited the thousands in extra payments he'd made on his loan. "The money went to Ocwen, that's all I know," Hanson said. "How much do you think you've lost?" asked Pinkston. "I would say at least $8,000," Hanson answered. Hanson has filed a lawsuit against Ocwen alleging unfair consumer practices. Ocwen calls his charges baseless. Hanson and Scheck are among hundreds of homeowners who have complained about Ocwen's mortgage servicing practices -- complaints that include misapplied payments, bogus late fees, and erroneous threats of foreclosure. "We've seen many consumers who have proof of their mortgage payments but nonetheless are receiving harassing phone calls, default notices and legal complaints leading to foreclosure, inappropriately," said David Berenbaum, National Consumer Reinvestment Coalition.. In a statement to CBS News, Ocwen says they "resolve delinquencies in eight out of ten cases..." that there's "no financial benefit to Ocwen in foreclosing..." Ocwen says they are "closely monitored by federal regulators." In 2000, the U. S. Department of Housing and Urban Development determined that Ocwen had violated rules and regulations on loans Ocwen serviced for HUD. Ocwen agreed to pay $50,000 of HUD's costs to settle the accusations. "There's a real need, I'll add, for better policy and regulation of our mortgage industry especially in the sub-prime marketplace," Berenbaum said. At the least, Jo Scheck wants an apology for her foreclosure -- one she believes should never have happened.