Ocwen Loan Servicing, LLC Ocwen REFUSAL TO ACCEPT PAYMENTS TO SATISFY MORTGAGE DEFAULTS TO FORECLOSURE> FAILURE TO HONOR ANY AGREEMENTS OR DOCUMENTS THEY CREATED AS PROOF OF AGREEMENTS West Palm Beach Florida
You can mail payments up to two weeks before payment due, up to four weeks before payments would assess late fees; however, they hold the payments until they can assess the late fees then apply it to your account. We have also noticed that if we send a personal check it is a 100% guarantee that they will hold the check stating they did not receive it until they assess the late fees then they will "magically receive" it. If we send a Money order/cashiers check they will process it a bit faster helping to avoid some late fees.
However after, September 1st, 2013 they are now saying they will not accept the Money Order/Cashiers check and stated that they could not return it. After going through the process to retrieve the funds sent for the September payment through the money order company we received a letter from Owen with the returned funds (a little over a month since they rejected it), after we paid additional fees for late charges in addition to fees charges to attempt to return our funds.
Another payment was then sent however this time refused due to a personal check. When asked why they stated they would only accept Money orders or a bank wire transfer due to my account now being past due. I then sent a wire transfer, however, that was also rejected as it now was not for the "whole payment due" as the November payment is now due. They have started to add additional fees (Total is up to $900) and say that I can apply for a loan modification to take care of the fees. Or I would have to pay them.
I ask how can I pay them when every attempt I make to pay the bill gets rejected.
In the last two weeks I have received several documents stating that my payments would be accepted, in addition to speaking to several different representatives, account specialists, supervisors, and put concerns through their concern department. At this time, each time I call back I am given a different story and no resolution has been found. It appears at this point they are forcing my home into foreclosure and despite several attempts to pay my mortgage they are refusing to accept ANY FORM of payment from me!
This is to me is criminal activity. Please start a class action lawsuit and include me! Frustrated home owner, just trying to do the American thing --- pay my bills!!!!!!!!
1 Updates & Rebuttals
DISLE
Memphis,Tennessee,
Ocwen paid men to break into my home. They falsely reported me as foreclosed too. Now they are again trying to steal my home.
#2Consumer Comment
Mon, November 04, 2013
I purchased my home in January of 2006 in a suburb of Memphis, TN. I fell behind on my mortgage when I was laid off my job. I came home one day to find a foreclosure lock on my door. I had to pay a locksmith to cut me into my own home. Unknown to me at that time, Ocwen Loan Servicing had paid men to come into my home and tape down my toilets, place antifreeze down my pipes and completely trashed my home. I couldn't afford an attorney at the time so I simply cut my way into my home. Several months later while I was looking for work and kept getting denied employment, an HR official from one of the companies I had applied at told me I had a foreclosure showing on my credit report. I was shocked. I had been making my mortgage payments to Ocwen and they had been accepting them. I called the IRS and was also informed "Ma'am, a foreclosure is showing reported on your home".
I called up to Ocwen and reached one of their Indian associates in India and told him I was reporting as foreclosed to the credit bureaus. Do you think he cared? no. He didn't even apologize. He simply removed the foreclosure from the credit bureaus and from IRS.
Fast forward to now, and this past June I feel behind on my mortgage again and called Ocwen to inquire about my options. I was told I only had one option which was the loan modification. I knew I would not be approved for the loan modification and requested the repayment plan which I knew they could do over the phone. I was told no. Your loan doesn't qualify. I asked why. No one could say. I called Ocwen multiple times since I first fell delinquent and they all told me "No, your loan doesn't qualify for a repayment". So finally I spoke to Michael Busch, a relationship manager, and he sent me an email that showed repayment was an option. I asked Mr. Busch why had I been told several months straight (by this time I am near foreclosure) that my loan did not qualify and he said I had been "Misinformed" and that repayment should have been offered from the start. I was very irate over this because now with me being so far delinquent Mr. Bush was quoting me several thousand dollars I had to come up with in less than one month or I would be foreclosed. I sent emails and letters to Ocwen telling them their agents had misinformed me about my options and do you think they cared? NO. They did not.
Mr. Busch for some reason stopped communicating with me and the next agent was Sunil Kumar Jane out of India. He called me up and immediatley began to threaten me. I told him I wanted to apply for the repayment plan and he kept suggesting the loan mod. I use to work in Loss mitigation at a mortgage company and I knew I would not qualify for a loan mod. Finally after much back and forth Mr. Sunil Kumar Jane told me that Ocwen had "recently changed their procedures" and that he would need "bank statements, check stubs, utility bills" etc. to do the repayment plan. I told him all of this documentation was consistent with a loan mod and he assured me I would need to send this paperwork for a "repayment plan only".
I thought it was weird but submitted the paperwork. About two days later I get an message on Ocwen's website informing me that I had been "Denied" for the loan mod. I was told I was not applying for a loan mod! and had no idea I was even being considered for one as Mr. Sunil Kumar Jane told me the paperwork was specifically for the repayment plan!!
So I called up to Ocwen and spoke with Kristi, another India based agent, and she stated that she could see no information in the system regarding any repayment plan. I was shocked. To make matters worse she said that I would not be able to reach the relationship manager, Sunil Kumar Jane, assigned to me as he did not have a contact number. I emailed him but he had never responded back. Finally after several days of trying to reach him he called. He then told me he could not email out and that "If I had done what he suggested" which was pay "several thousand dollars" up front I would be able to keep my home. He was actually wanting all of the past due amount from several months to be paid in less than one month. I told him if I could do that I wouldn't be behind.
He told me the "management" had denied the loan mod and did not give a reason. I then asked him about the repayment plan that no one could see reflecting in the system and he stated I was "denied" for that too.
He then started badgering me to borrow money from loved ones and I told him they had no money. Then he said I would need to pay at least $1,500 down to save my home. As soon as I said ok, he suddenly in the next sentence said it was actually $2,000.00. I grew frustrated but said I would try to get it and then he said "oh we need at least $4,000.00" in the next breathe. I could not understand why he kept changing his amount. Three different amounts in less than 3 minutes. I told him there was no way I could get that in less than a month and he hung up on me telling me there was nothing he could do. No one had even yet addressed the fact that for several months when I was calling Ocwen daily I had been misinformed repeatedly about being able to keep my home and what my options were. If Ocwen would have told me at the time I would have been able to pay the downpayment because it would have been much smaller.
After I spoke with Sunil Kumar Jane I called back in and spoke to manager Ankur and manager Daniel Lawrence who both stated that I had been misinformed and that Ocwen was still doing verbal repayment plans and that I did not need to fax over any documentation to qualify for a repayment plan, which is what the relationship manager, Sunil Kumar Jane, had told me to do. He told a BALD FACE LIE and engaged in outright TRICKERY and LIES and DISTORTIONS.
I sent a complaint to the Ocwen Ombudsman.
Three days later I call into Ocwen and was told no one could even see any notation from Mr. Sunil Kumar Jane regarding a $4,000 dollar down payment he said he needed. They could only see $2,500.00. Why didn't he update the system?
During this time Ocwen's agents were still telling me my loan did not qualify for a repayment plan even though the relationship managers were now offering it. Why the confusion? Every agent disputed what the previous one had stated and argued with me.
Finally on a phone call I was able to reach manager Cary Dukes out of the Addison, TX office and he was the nicest manager of all. He set me up on a repayment plan that I agreed to. Out of my experience I recorded the call. I recorded the call because Ocwen's people are very picky about what info they put in their computer system and they often place one sentence to sum up an hour's long conversation. Too much information is missing. Everyone disputes your account of what happened too.
So a few days after I spoke to Cary Dukes I get a call from Relationship manager Sylvia Malone who threatens me again and demands all of the past due monies up front. She eventually hangs up on me.
Then I get a call from Juan Sagarra (or something similar) who said he too was a relationship manager and he was irate that Cary Dukes had set up the payment plan and he told me "He is nobody. Just a customer service manager" and that "He doesn't have the authority to set up the arrangement". Now more than a week has passed and I am near foreclosure. I don't know what is going on. The payment arrangement Mr. Dukes assured me would be set up is still not yet set up. No one knows why. I call in and I'm told "we will investigate and call you back" and no one ever does. The ombudsmen office is not responding to my many emails or contacts either. The number to the ombudsman office is never working either. I call and call and am told in the middle of the day "We are not available at this time".
Ocwen has an "F" rating with the BBB. I filed numerous complaints with everyone from the Tennessee Attorney General's office to the BBB out of Central Florida to the CFPB (Consumer Financial Protection Bureau) and no one has been of any assistance.
How can Ocwen get away with this?
I am considering filing suit against them to have the judge make them honor that contract set up by Cary Dukes. This man assured me he had the authority to set up the aggreement and gave me the terms and everything. It represents an verbal contract. The call was recorded by me.
Ocwen has lied to me coming and going. Broke into my home. Trashed my place. And they are engaging in outright TRICKERY to try and take my home.
Ocwen has already been sued AND THEY LOST in a class action lawsuit. I am ready to start or join another. This company is AWFUL!