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  • Report:  #47823

Complaint Review: Ocwen Federal Bank - Orlando Florida

Reported By:
- Phoenix, Arizona,
Submitted:
Updated:

Ocwen Federal Bank
12650 Ingenuity Drive Orlando, 32826-2703 Florida, U.S.A.
Phone:
800-746-2936
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
I was a single mom with 3 children and one foster child. I was having trouble with my house payments and then heard about the program HUD was offering. Things started to get so much better. The program was a life saver for my family.

Then sometime in 1996 I received a letter stating Ocwen would be my new lender and I would be hearing something from them soon. I waited and waited but heard nothing. I tried calling Ocwen, over and over. On a good day I would get switched to 5 or 6 different people before someone would even talk to me.

I was told by 4 different employees at 4 different times(I have documented proof along with their names) "not to worry, we will contact you when we are able". I asked about my 4 payments that should have been made. They could not answer with an amount or address.

Then it was all downhill, things got worse. I was slapped with a demand letter with this ungodly amount. I called them back to tell them what I had been told by 4 different employees only to find out that 3 out of the 4 had been "let go" and the 4th they would have to locate, which never happened.

I filed a chapter 13 in September 2000. On October 5, 2000 I came home with my daughter and found a stranger standing in my front yard. He claimed to be the new owner of my property and that he had just bought my home at the auction. Needless to say it was an illegal sale. But to this day that man's name is still on everything at the recorder's office. To this day I have never received a payment booklet and just last month my name was finally put on a document- a forcible detainer and money damage document. I have 5 days to get out of my home that I have lived in for 18 years. They auctioned off my home on December 4, 2002. And you know who won the bid this time? They did. They bought it back to themselves.

There are many more horrible stories. It all seemed to get really bad when I told them I was going to refinance. This is when they told me that they could not find 10 of my payments. Little did they know that I had saved EVERY single receipt, canceled check and copies of my cashiers checks. But it did me no good because as soon as I showed my proof they would go on to the next 10 payments I supposedly missed.

Another funny thing would be the fact how they never were recorded right. Sometimes my check was held for 2-3 weeks. One time 2 months. My insurance and taxes were always included in my payments. I started getting notices that my taxes were not paid. From 1998 up until now I have sent my taxes in. Recently I found out that Ocwen was reimbursed for these taxes. Where did all that money go? Not to me. Not to my account.

We have 5 days left. I don't know what to do now. This company for the last 6 years has caused me nothing but pain and heartache. Is this how banking in America is supposed to be?

Cyd

Phoenix, Arizona
U.S.A.


4 Updates & Rebuttals

Marlene

Miami,
Florida,
U.S.A.
Overnight Mail to all of them, inclufing the Judge.

#2Consumer Suggestion

Sat, March 08, 2003

Send Overnight mail to all their addresses and include a copy of a separate letter explaining your communication problems with them as you explained them to us. Communication was cut on THEIR SIDE! Don't forget the same mail for the Judge and copies for your file. When mailing, OVER DO IT. You can also try to fax again to all their known fax numbers (including Insurance, Taxes, or any other Ocwen's departments; it doesn't matter) When faxing, OVER DO IT. Bombard them with your faxes and your mail and retain paper proof of all of it (proof of their Bad Faith and Unwilingness to cooperate) The goal with these actions is to show they avoided communication with you because they want your home. Hence, they are at fault, not you. Everybody will notice it, including the Judge, of course. If you have the nerve for it, get the "chain" you mentioned and forget where is the key. Ask 10 people to call the police and the rest of the noisy, big, lighted and strong colored vehicles for you, and call them you too. There is no guilt in self protection. Chain yourself as you suggested (I am absolutely serious about this and take reponsibility for my approval) to a Real Estate or "a very strong and attached to the ground object" as a tree or a giant concrete column within your house (The firemen will produce a lot of noise and a good show for TV when they come to cut your chain). Also, collect the numbers of all newspapers, radio, and TV stations in your city. Start calling them now (just in case you need them). It might be a good idea to write to all these media people too. Most love emails.(keep copies of your emails and correspondence asking their help) Don't let Ocwen victimize you privately (they love to victimize people in private, so they can pretend their "honorability" in public, and you will cry your tears of pain and impotence, privately.....NO WAY!)). God can give you the strenght you need. Your face in TV may be the face of a desperate victim (a very innocent one). Ocwen would be in the air, in the public arena, and the SHAME will be on them, not on you. But, needless to say, reserve this extreme measurement for the worst. Just don't forget it's there for your use. As of now, MAIL AND FAX as a crazy person. It is your home of 18 years. Don't let them humiliate you and your loved ones! Those jerks have no dignity! Fight! I advise you this because that is what I have in mind for me in case I need it. Fight! All of us will pray for you. All of us fight in different ways for our families welfare. This is not only an advise. In case of emergency ask the Editor of this site to contact me. I am willing to offer my opinion about those criminals to the media. So, you will not be finger pointed as the only "lunatic" out there. Cause we are so many "lunatics" fighting for our homes and our families, and if the ones supposed to hear our cry for plain justice, don't hear us, we hear each other and all of us hear ourselves's cry. Nothing will stop the elephants (us) in their way! You are not alone! (make it your mantra). FIGHT, FIGHT, FIGHT, FIGHT. Chin up, a hug. Your sister, Never Afraid P.S. (New Century and Ocwen know who I am). Come and get me, Corporations in Shame, Lawyers in Mud. I dont' care if the entire world calls me deadbeat, paranoid, and stupif victim, if that is going to EXPOSE YOU BIG TIME AS THE CRIMINALS YOU ARE! I am willing to pay the price. The day that all os us put aside our Ego and our Fears, Ocwen and its Buddies will be out of business. Sorry WallStret.


Marcia

Lake Placid,
New York,
U.S.A.
Here are fax numbers for Moss Codilis from my records

#3Consumer Suggestion

Sat, March 08, 2003

Cyd, Here are 2 fax numbers for Moss Codilis: 407-737-6232 or 407-737-6162 If these will not accept your faxes, notify the judge's office. He should be interested in seeing proof of their fraud. When shown proof, he may be able to stay the eviction until Ocwen explains their conduct. Send the letter you have written by overnight delivery to Ocwen.Return receipt requested. Also, call your Senator back. Request an appointment to show him your file. Your Senator has the power to request an investigation. Keep fighting! Don't let them win.


Cyd

Phoenix,
Arizona,
U.S.A.
I followed your good advice and added a few more things

#4Author of original report

Sat, March 08, 2003

Marcia, I followed your advice and added a few more things. This is what has happened today: Not only did i call the FTC, the attorney generals office, the predatory lender hotline, I went down to Senator Kyl's office. The woman I spoke to (Sarah) was not only caring she was also very concerned and listened to every word I said. Throughout the day I was also trying to find an attorney that would go before the judge with me and put a freeze on my eviction. When I found out that I wasn't going to be helped I decided I would ask the judge myself the proper steps to take to delay my eviction. His secretary told me it would have to be in writing and the letter would have to be to Ms. Piranio(Moss,Codilis, etc.) I typed out a very nice letter requesting more time because of the fact that I have lived here for 18 years and that's a lot of packing! I informed her in the letter that I would send copies to the judge, constable, and her representative here in Phoenix. When I was ready to send the fax to the number that Moss, Codilis, etc.had given me it didn't work. I then called their office back in California and talked to a Ms. Quillen(Ms. Piranio's assistant)and asked why the fax number did not work. She told me she didn't have a clue. I asked her if Ms. Piranio had an e-mail address so I could send it that way instead. She said she had to go and ask her. When she came back to the phone she told me that Ms.Piranio had left."What about you?" I asked her,"don't you have an e-mail address. That way you could give her my letter." Very hesitantly she gave me her e-mail address. When I e-mailed her, it came back and said "undeliverable". I called the office back and spoke to another assistant that said she would get Ms. Quillen. When Ms. Quillen answered the phone and I said "hello" she immediately slammed down the receiver. Now I am debating...do I pack, do I chain myself to my home? I will say that my family will fight til the end because we are fighting for something that we believe in and we know that we are right.!!


Marcia

Lake Placid,
New York,
U.S.A.
Arizona has a Predatory Lending Hotline

#5Consumer Suggestion

Tue, March 04, 2003

With only 5 days left, you need to get a temporary order to stop the eviction and overturn or stay the foreclosure. Arizona has a Predatory Lending Hotline -Arizona Predatory Lending Consumer Hotline: (888) 245-5914. The Arizona Attorney General has a special section regarding predatory lending also. Call them right away. Fax whatever paperwork they need. They may already be investigating Ocwen. Also call your State Senator's office and ask for their help. Call the bankruptcy judge and inform him that Ocwen is bypassing his order. God Bless you. Keep Fighting!!!!!!

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