Complaint Review: Ocwen Mortgage

 I have been dealing with a complete nightmare with Ocwen for approximately 5 years ever since my Mortgage was sold to them by Equity Resources.  Everytime I turn around they are adding fees increasing escrow and putting payments in a suspense account but never have full explanation as to why.  I have opened payment disputes and payment research with them, but I always get the run around.

Approximately 1.5 years ago, I entered into a Chapter 13 bankruptcy to protect myself from losing my house and Ocwens fraudulent charges.  This did not help with anything, they continued to raise payments which then in turn raised my bankruptcy plan payment and put my expenses to high according to the bankruptcy court to stay in a plan.  We modified the plan and then Ocwen guaranteed me if I would voluntarily dismiss the bankruptcy (yes I know I should have never trusted them) that they would get me in a modification and they would not file a foreclosure. Not long after this I was served with the complaint in foreclosure. Ocwen is claiming that they have not recieved any payments in the last 16 months. I have a printout from the bankruptcy trustee proving otherwise and of course Ocwen cannot explain where these payments are or why they were not credited to my account.

For the last three weeks I have been in a Hamp Modification Application process with them.  Every single day (of course I have to call them to find this out) they need another document that they claim they didn't recieve. I have faxed the full application to them 3 times and have fax confirmations and I have emailed it once, and they continue to need a certain document yet again because they didn't recieve it.  I was instructed 4 days ago it was in underwriting. I called today to follow up to find out that it was kicked out of underwriting because on one document my signature and my husband's signature looks similar.  They said he had to call and confirm that he did in fact sign the document. We were given a number to call and after asking 3 different times if there was a certain extension or person we needed to talk to and being told 3 times no, my husband called and of course without an extension or name, he cannot talk to anyone and is being told the loan is no longer in the system.

I have read numerous complaints on Ocwen and am beside myself that they are still in business and allowed to perform business in the manner they do. Not only is it a nightmare trying to figure anything at all you cannot understand anyone you talk to.  It is my understanding they are a global company and I have to talk to whomever I am connected with, I find this odd since they are headquartered in West Palm Beach, Florida in the United States but we cannot talk to somebody who speaks fluent english.