In 2012 when we noticed that Ocwen had increased out interest rate to 8% we called to find out what was going on & after being told our home value was like upside down pineapple cake they said they were sending us a proposition to buy our house from us and we would have 1 week to agree or forever hold our piece. It all happened to fast, it was a one page simple offer to buy our home for 3k if we left it broom clean for them. We had never missed a payment, and had not even the slightest worry they were offering anything that could negatively affect our credit.
Over 3 years later our family is displaced still and our home is now above the value of what our loan was. We were left like fools being scammed out of our home off of one phone call to ask why they had raised our interest rate. We never saw it coming this is a well operated white collar crime company. We're good hard working people with young children and never had a leg to stand on to fight back after we realized what had happened.
omg!!! i did what "Ga Peach" recommended below.... and it worked!!! finally someone in the USA that can understand me and i them... and i got my answer in less than 10 minutes.... i have been dealing with india and the phillipines for a week with no success... i really do not mind dealing with "global call centers" .... but they read from a script (so obvious) and they cannot adapt to indivdual customer inquiries that deviate from the manuscripts they are given.... if you want to be a "global company".... you need "global training" to support your customers and employees....
My credit card was hacked thru Homedepot scam..went to saudi arabia..& ever since I have gotten calls from ocwen..I dont even Hava mortgage Yet they continue to harass me..WTF..HOW DO I GET THEM TO LEAVE ME ALONE ???
I already posted so sorry to butt-in again. Was re-reading some comments and just wanted to make a few more of my own.First, To Everyone: Look up Sealy-Davis vs Ocwen. You'll find a lot of related sites but find one with the actual testimony given by Mr. Davis, a former Ocwen employee who testified against ocwen and for the plaintif. This will clear up any doubts about ocwen's agenda. In brief, Davis details how ocwen trains employees to lose and delay payments and ways in which they're trained to drive people into foreclosure; how they target home with equity for foreclosure and even what to say to the homeowners whose homes they're stealing like, "What bridge are you going to live under after we take your house?". I kid you not.To Tapdancer: If you want to make extra payments pleeeeese, refinance instead!!!! If you can get away from them do it ASAP!! They truly are monsters and they WILL try to push you into default and steal your home. Do not ask ocwen for the payoff quote. They'll send an inflated quote then report to the credit bureaus that you defaulted and filed for bankruptcy to keep you from refinancing -because they do not want you to pay off your home, they want your home. I speak from experience! I finally went to an attorney who called a title company (TC) and the TC got the quote from ocwen. This will also ensure that you get a clear or unclouded title and the true holder of the one will send original docs (possibly) but most importantly, will send a release of lien or the like. They'll walk you through it. Most mortgages have been "securitized" and pooled for investors to gamble with so most of us don't know who holds our note -neither does ocwen. It may not even have the legal right to be taking payments from you. Instead of knocking yourself out to find out who has your note (via SEC Edgar website) a TC can do it immediately. To Fuckyou: You have a lot more self control than I would've had in your situation. I just want to alert you and everyone else that in addition to stalking people and photographing their homes (in part, so they can charge you for BS "property inspection fees") there have been posts by other ocwen victims that they have actually picked the lock and gone into people's homes! It's frighteningly easy to "bump" a lock and most people have a good, but typical deadbolt or other lock from homedepot, lowes or such. They can bump these in a heartbeat and be in and out of your home without you ever knowing. Buy a "bump-proof" lock! You can find them in the same style as the lock you already have and easily replace it without drilling or any carpentry. You can find them at Home Depot, Lowes, etc. for just a little more than you'd pay for the "bump-able" version. I know if I caught them I caught them in my house they'd be dancin' to some seriously heavy metal.
Lastly, to those who are new to the nightmare that is ocwen, don't drive yourself nuts trying to rationalize anything they do or keep trying to call their 'go nowhere' phone numbers. Read people's posts here and every other ocwen related thread on the web. Ocwen (Bill-Bo fat boy Erby, owner and former CEO) designed ocwen's business model to do exactly what they're doing. It is designed to eff you up, trip you up, make you give up and drive you to the breaking point to make it easier for them to illegally take your home. Don't keep trying to figure out how your payment got "lost" or why it was posted late whe you mailed it before the 1st. Ocwen's agenda is to, make - you - fail! Let there be no question about that.These aren't "mistakes" or "oversights" or "computer errors" as they've claimed ad nauseam for 15 years and millions of illegal foreclosures later. These are meticulously planned, well honed, methodical steps they implement with 99.9% of the mortgages they buy to "service", for the purpose -and exclusively for the purpose of stealing your home.
Use only, online banking bill to pay your mortgage - not the mail and not the phone. I found out real quickly that ocwen unfailingly uses the latter two to "lose" or claim to have received your payment after the grace period, or simply say they didn't receive it at all, so they can justify "fee-ing" you to death with their obscene and illegal fee-scam. They hate online banking because it allows YOU to control your payments and puts them directly into their account, precisely when you want them to arrive and there isn't one thing they can do to make it "late" or pretend it got "lost" and posted late.
Make no mistake people, this 'company' and everyone who works for it (and generally every company it's affiliated with) is THE SCUM of the earth. I've never witnessed or experienced any entity in any capacity that is as deliberately calculating, malevolent, depraved, inhuman, insatiably greedy, cruel and evil as this abominable excuse for a corporation that calls itself "ocwen". Run away. If you can't, pay online, and do everything else by registered mail. Be very careful about the "advocates" you choose as well. In a pathetic attempt to improve its despicable reputation ocwen has been "contributing" to the various non-profit organizations (like Hope [?]) that were established to help drowning homeowners and protect them from ocwen and fellow predators. Now these organizations are on ocwen's side, or in its pocket if you will, and are no longer "non" profit organizations. Just when you think this reprehensible 'company' couldn't possibly stoop any lower than it already has, they will prove you wrong. They are toxic, they are dangerous, and they are out to take -everything- you own. Don't think for 1 minute that there is anything remotely moral, ethical, humane or legitimate about this cesspool of a company. Do not ever, give them "the benefit of the doubt" because they will destroy you. They are, the enemy. Millions of consumers posting identical nightmares -are not- making this up. Protect yourselves. God bless and good luck.
If you see ocwen's (lower case intentional) name associated with any of your financial or business affairs do what you have to do but - get - rid of them -any way you can! As a homeowner who's endured their RICO activities for over 2 years I promise you, you will be sorry that you didn't take whatever measures humanly possible to rid yourself of this repulsive, derelict, gutter-dwelling mutation of a "corporation". An entity like Ocwen is something so vile and malevolent that only Satan himself could possibly be at the core of this atrocity known and deeply reviled around the world as one of the more devastating diseases that mankind has ever known. It, has casually, methodically, deliberately and joyfully destroyed more lives via its criminal activities than the Black Plague. This is not a legit "corporation" by any stretch of the imagine, it is a full-on RICO entity that makes the Mafia look like choice boys. They're beyond "corrupt", they are evil, dangerous and will tell any lie and take any action regardless of how despicable, unconscionable, criminal or inhuman to rape you of everything you own. I couldn't be more thrilled watching them descend into the hall from which they were spawned. Just their name is enough to make me want to vomit and it's finally become synonymous with the disease that it is. There are any number of lawsuits going on at any given time against this abomination. They steal from their investors and their investors are cutting ties with them, their stock has tanked by 80% and they have become the toxic waste to avoid at all costs, by business, investors and consumers alike. God bless Ben Lawsky, Sec of the Treasury of the state of NY who is among a very few who has a pair and has single handedly dealt some of the most fatal blows to this God forsaken collection of scum bags than every "government regulatory" and "consumer protection" agencies put together have accomplished. And it worked. ocwen is now oc-lost. I wonder what gutter they'll crawl out of next or what new and exciting way their "CEO-founder" and mutation of the underworld will devise to lie, steal, deceive, rob and exploit consumers now. Many will be happy to hear that oc-lost is selling off it's mortgage 'servicing' "rights" (or rather its illegal foreclosure rights) which is good, but selling them to its fellow bottom feeders like JP Morgan (just as bad). I finally hired an attorney to pay off my mortgage and distance myself from the terminal disease known as ocwen. They made it impossible for me to pay off my mortgage because they want my house and equity and have been trying everything in their arsenal to steal it from me for over 2 years. It's insane that a homeowner in the US has to go to the unheard of length -and expense, of hiring an attorney to pay off a mortgage. But with this piece of walking excreta, it's the only option. The "CEO-owner" bill, (bilbo-fat boy) erby is so reviled in the U.S. -his own country, the coward doesn't have the cajones to live here. He's at least smart enough to know that living in -our- country where he's methodically destroyed millions of lives and stolen millions of homes would probably and justifiably, shorten his lifespan. The creep was even forced to resign as the CEO of his own company (haaaaa-haaaaa!!!!). I pray to the heavens above that this is just the beginning of the end for this cockroach-scum and his 'company'. I wish upon him and his equally evil partners and staff, the most evil, vile, horrific and destructive forces to ever torment a creature. But then all he has to do, is look into a mirror to see that Satan is his reflection and he'll is where he belongs.
Yeah just like everyone else. AS A WORKING AMERICAN. Most of us have gone through hardships. So long story short I fall behind with every intention to catch up. With being an independent contractor things can become tuff waiting for draws. So one day when I got home early I notice some random dude stopped his car in the middle of the road snapping pictures of my property while my kids are out in the yard. So I confront the vehicle politely asking if I could help them he says hello and waves then speeds off. So about 10 min later he comes back from the other way. I'm on the lookout now so I meet him in the road and ask can I help you. He proceeds to say I like your mailbox and starts snapping photos then yells to his driver GO and they gun it and leave. So now I'm a fucking pissed off parent thinking I got some pervert after my kids. So I jump in the truck and take off the opposite way they went hoping to cut them off. Low and behold here they come in front of me. So I parked my truck in the middle of the road to confront them. They decide it's a good idea to ignore my concerns and go around me through the ditch not to mention THEY HAVE KIDS IN THE CAR. So I proceed to follow snapping pics at every stop sign to get their license plate. Finally 5 miles of trying to out run me they stop and get out of there car. He says he's with my mortgage company. So I'm a good guy shake his hand and tell him I understand now what's going on. I understand I'm behind 2 payments and all but HOW FUCKING HARD WAS THAT TO ANNOUNCE AND INTRODUCE YOURSELF. He says OCWEN doesn't allow him to have contact with customer. WELL THATS HOW PEOPLE GET FUCKING HURT. How do I know your not a sexual predictor?? And like many others I did not pick this mortgage company my original mortgage company went bankrupt and DUMB ASS OCWEN bought them out. SO OCWEN you better tell your representatives to announce Who They Are when confronted by a home owner otherwise someone is bond to get FUCKED UP
Has anyone had them call and say they wanted to discuss your account? Even though you aren't late and never have been? Then tell you they need a photocopy of your social security card to verify your identity?
OCWEN is the worst mortgage company ever. I have been trying to resolve a problem for 3 months and can't get a straight answer.
How on earth did you get them to do that?? I demanded to talk to someone in the US each and every time I spoke to India and they either just put me on hold forever (and more often than not, disconnected me) or else told me flat outright that they couldn't. Back in 2008 I could talk to someone in FL but as of 2011...nope.
I agree we need more Americans so as we can understand the English, I have so many times called ocwen and can not understand a word they are from India or some other country, and every one you speak to has a different answer. I do not like the Mortgage Co. At all....Good Luck.
Worst company in the world.
Ocwen are crooks. That's it. Refinance or do whatever you can to get them out of your life.
Ocwen intentionally delays sending pay off statements, knowing that the loan will be paid off by another. They do this to generate more fees. Despicable company. They keep paying billions in fines but don't seem to care. SCAM. .
They double dipped my Dec 2013 payment so the check bounced... I called them and got everything straight and paid in full in jan.... "Sir it was our fault so we will not report the missed payment on your credit." Guess what is on my credit?! Guess who says I never had an account with them because I refinanced to get away from the dumb sh!ts!!! Now I can't get a new home because of a missed payment that wasnt my fault!! Their research department is the F'n water cooler in INDIA!!! How do I get in on a class action Lawsuit? This company needs to be shut down!Pissed off Vet!!
Try calling customer care: 866-346-3640 or email firstname.lastname@example.org
I do this in every aspect of my personal and work life. I REFUSE to speak with anybody from an American company that is not standing on American soil further more, they had better speak clear fluent English. This is America, OUR NATIVE LANGUAGE IS ENGLISH.. I will not press a number, that shouldn't even be an option.
My husband was nearly killed in an accident. He was permanently disabled. In the beginning we tried to do the modification as he lost all his income. Later (after 9 months) he was deemed permanently disabled, willing him less than a 1/4 of his monthly income from SSD. We applied for a modification as we had lost much of our income. Ocwen conveniently lost paper work on several occasions, which really was completely impossible. I would scan all the paperwork into 1 document and email it to them. They would say they had received everything... except this document or that one. Really? I don't think so. I would explain that was completely impossible because I'm looking at the email I sent and the paperwork you are referring to is in the middle of this 1 document I sent. Like many others I sent it several times. Once we went to court with our attorney to get the modification, they were easier to deal with. Their own attorney had stated that they were very difficult and commonly lost paperwork therefore it was to all go through him. We were granted our modification and everything was going well. Since then we had another problem where they paid two different insurances because "they did not receive" the cancellation from our insurance company, therefore paid both the old and the new companies. Rocket scientists working there I tell ya. Needless to say that was a nightmare getting everyone on board and getting it remedied. This again jacked my payment up and I was unable to make the full amount. It jacked us back to where we started before my husband's accident. We again filed for a new modification, got everything straightened out with them as far as insurance and paperwork was concerned, and it went through within a couple of weeks with incidents. I do believe since they had gotten into trouble with their antics last time, they are a little more cautious. I would also say that the fact you have over seas persons that don't have a clue about accounting 101 makes it very difficult. I always request an American Person Standing On American Soil that Speaks FLUENT English. I'm sorry I am American and only want to speak with someone smarter than the goat they are herding. Good Luck to you. I hope it works out.
Ocwen has systematically ruined are credit and are trying to take are home. We fell behind on are payments and they said that is OK we will help you restructure your loan, but one month later they sent us a letter that we could no longer make are payments and they refuse to help us. They lied to us and are truly a evil co. Now 10 months later we owe 12,000 more on are home than before and there looking to foreclose. We believe even if we had $12,000 they would still take are home like they have done to so many others. We have learned so much about this co. in the last few weeks and are socked about there reputation. Like many other we have been intimidated with offers to help FOR A HIGH PRICE by lawyers who only want are MONEY. If you can help please call me at 360-261-4728.
When you call Ocwen Customer Service and get an agent on line, after you have given that agent your SS # and authorization to talk to you about your account, stop right there and tell the India agent you do not wish to speak to them you want to be transferred to an agent in the United States of America, they will tell you they have all your notes about your account in front of them and will try to help you, But No, refuse this, and tell them that you want to be transferred anyway...They have to transfer you and will to an agent in the USA!...then the US agent will mark your account so you will not be routed to India again...Hello America!!!!!
Worst customer service. I have faxed and mailed information to them over the past year but they never seem to get the paperwork. Calls go to India. No prompts to speak to a person. I would like to pay off the loan and move my loan to a another company but I cannot get anyone to help me. I have trying for a year to close my escrow account. So fustrating!!
Hey, guys, send your complaints to :Consumer Financial Protection Bureau".
worst piece of S#!T I ever dealt with
Enzo, you are so right...they finally took my home of 36 years - I tried sending THREE modification packets - and was never denied for insufficient income. Nope - they simply lost' the paperwork or else 'forgot' to ask for yet another piece of information. Of coursed, by the time they get it and sit on it for a few weeks, then it's time to resubmit all over again. They finally bought my house at a sheriff sale and I'm still fighting eviction (in just 2 weeks) and to get it back. They DO make sure you will never pay anything off or get caught up by piling on the bogus fees. There must be a hot spot in hell just for them. - Mary CS
I spoke to two CSR's in Asia, both claimed to understand my concern but could not answer a simple question about my current statement. I finally demanded to be transferred to the US office. No issues once I was transferred back and my account is flagged so any future calls will not be routed to the foreign office. Thank Goodness!!
Not sure what we can ALL do, they lost the latest law suit, and have lost one before, but will continue to do the same thing to us !!