- Report: #970624
Complaint Review: OCWEN Loan Servicing - ORLANDO Florida
Reported By:
perf33 -
alexandria, Virginia, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
OCWEN Loan Servicing
12650 INGENUITY DR ORLANDO, 32826 Florida, United States of America
Phone:
800-746-2936
Web:
Categories:
Business Rating:
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OCWEN Loan Servicing Refusing to cease and desist "servicing"on a already foreclosed 2009 mortgage transfered by JP Chase in 2012 ORLANDO, Florida
I was surprised to find OCWEN loan servicing on my credit report stating I had an "Open, active, past due 180 day Mortgage loan", opened in Nov 2006. When I called them ( wasted 1 1/2 hours I can never get back) I told them I have never received notice of their attempts to collect on my foreclosed mortgage and I requested the immediate removal from my credit report and to send me notification, as per federal guidlines, to validate the debt. I was informed that they were not a collection company, they were a mortgage servicing company and Chase bank had transferred my account to them. My home was foreclosed upon in 2009 due to the attrocious violations and misdoings of Chase bank, now, 3 1/2 years later, unannouced I have OCWEN, slamming this on my credit file, dropping my credit score 75 points and refusing to remove and stop collection????? I asked them how they go about "servicing" a loan which has been closed and property resold as part of the foreclosure action? It took several minutes as their answer was not found in the scripted answers they are told to repeat to unassuming customers. After much arguing, I demanded to speak to a supervisor. She sounded friendly enough, although kept contradicting herself as to who did what and how something gets on credit etc. She promised she would take off the trade line and asked for 24-48 to process. I questioned whether it would really happen and she became very defensive claiming she is a woman of her word, how dare I question her integrity... blah..blah all I can say is thank goodnes she didn't say may God strike her dead if she didn't do what she promised me, cause I would have had to spend 1.99 for a flower to send to her funeral. Not to make light of this, I am more fortunate than most as I can afford my own attorney to scrape this fecal matter off my shoes. But if a company is so willing and able to willfully work outside federal and state laws there is noone who is safe from what they are capable of doing, especially in a credit based society, where it is sooooo easy for a creditor to place slanderous, erroneous material on the credit reports and absolutely time consuming, difficult and in most cases expensive to have removed. If the consumers were automatically reimbursed by the creditors for what we go through to fix credit bureaus... oh my !! how excellent would that be???
1 Updates & Rebuttals
purplemonkey32
saint louis,Missouri,
United States of America
We must have been in the same Chase Batch
#2General Comment
Mon, December 10, 2012
I, too, had an identical situation just happen in November 2012. After years of rebuilding and waiting patiently for my "forclosure proceedings started" to fall off from Chase (scheduled for August of 2013) my score finally skyrocketed (ironically enough in early November) to a point where I could apply for a mortgage again. I contacted a lender and started house hunting a couple of weeks ago.
Then last week I find out these lovely Ocwen folks have slapped this complete nonsense on my credit report 6 years after the home was sold. My score has tanked and a new mortgage is now out of the question. In addition to that, I'm now very concerned my existing credit lines I've worked so hard to build will be decreased. I need to buy a new car in the Spring. I guess that's out of the question now.
The thing I don't understand is, the amount they are reporting and how they can say it's currently 120 days past due. It's half of the amount of the original mortgage and I haven't made a payment late on anything since 2006! It makes no sense at all. I've never been contacted by this company. EVER. I've never been contacted regarding a deficiency amount (the home actually sold for more than was owed).
If you have any success in getting it removed, please share! I'm afraid to dispute it as foreclosed since Chase never actually reported as "Foreclosed". If they change the status my report will show a judgement and tank even further.
