• Report: #1168513

Complaint Review: Ocwen Loan Servicing, LLC

  • Submitted: Fri, August 08, 2014
  • Updated: Fri, August 08, 2014

  • Reported By: MarkGatton — Louisvilled Kentucky
Ocwen Loan Servicing, LLC
1661 Worthington Rd, Ste 100 West Palm Beach, Florida USA

Ocwen Loan Servicing, LLC 2014© Ocwen Financial Corporation. NMLS#: 1852 Ocwen Loan Servicing, LLC NMLS#: 1089752 Ocwen Mortgage Servicing, Inc. Ocwen adding optional items to account, then steals your home West Palm Beach Florida

*Consumer Suggestion: KNOW YOUR RIGHTS AND FIGHT!!!

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I got a loan modification a few years ago. A couple of months into the modification I noticed "Optional" items showing up on my payments. As I was on an extremely tight budget, I called and asked what this was. Customer Service Representative (CSR) could not explain what it was, no shocker there.

  I asked it be removed, they said I would have to contact agency. I asked what agency/company and she sad she did not have that information. I asked that it be removed and it was left on. Within a few months I had a couple more "optional" items show up. I again called and demand they be removed as I did request/consent to have these on here.

  I tried to send in my monthly payment, minus these optional items, and had my payment returned. Called in again and demanded they be removed, was told i would have to contact the companies. I again asked who approved items to added to my account, and again, nothing but the standard scripted bullshit. I explained that if they did not get rid of the optional items I would have a hard time making my payments.

   I talked with a "supervisor" that assured me he would get these taken off. By this time, I had to miss a payment hear the there as I aslo had 4 kids to take care of. They finaly got them off my acount, they wanted like $2400 lump sum. Explained I did not/could not come up with that amount of moeny at one time. Supervisor told me to wait until November when my modification would be at the 1 year mark.

   I did as they asked and over the past year I have submitted the Modification Package 13 times. I have heard every excuse in the world (i.e. missing page(s), missing signaure(s) or date(s), they didnt receive it, envelope was damaged and pages missing, pay stubs no current, didnt get the email or attachments missing). When asked to send me what they had...NEVER got anything. They flatly refused to send me what they had so I could replace missing page or whatever the issue was. Always had to do the whole this over again.

  They finally said they received everything only to deny the modification package. I have tried other place to get refinanced or modifiations and they will only deal with you if you have $100,000 or more in debt and really good credit. I'm now getting legal notices from a law firm about selling my house or pay almost $71000. I'm about to be another homelss veteran with a bad heart. I just want to make my payments the way I used to so I can stay in the house ive been in since 2000. Looks like im going to live in my car and lose all my possessions. Thanks to Ocwen adding "Optional" items that were not wanted or authorized.


Mark Gatton, magatton@gmail.com


This report was posted on Ripoff Report on 08/08/2014 05:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/Ocwen-Loan-Servicing-LLC/West-Palm-Beach-Florida-33409/Ocwen-Loan-Servicing-LLC-2014-Ocwen-Financial-Corporation-NMLS-1852-Ocwen-Loan-Serv-1168513. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Suggestion


AUTHOR: Dana Shafman at END Consulting - ()

Hello Mark,

While I am sorry for the abuse that you have suffered at the hands of Ocwen, it is not surprising at all as we are dealing with Ocwen in our office on a daily basis for clients that have experienced the exact same issues that you have stated in your valid complaint to include the fraudulent "escrow analysis trap" as they are presently being scrutinized for escrow activities to include insurance, check this out http://online.wsj.com/articles/new-york-regulators-examine-ocwens-insurance-practices-1407172392.  Can I say that there are multiple consumer rights violations under Federal law that I found in your complaints and I am on a mission to educate consumers on their consumer rights! 

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi, Bank of America, Chase and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just scumbags but they can be beat at their own game too just like the big banks can be defeated. 

It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive practices of Ocwen but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights!  With that said, you have overlooked a key aspect to your fight, which is taking it outside of Ocwen to government agencies that will actually fight for your rights on your behalf by simply submitting a complaint after a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights.  My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.  

We reviewed your complaint on the show if you would like to listen, click here.

Let me first point out that Ocwen has violated your right to a "Fair Review Process" as afforded you under the CFPB and RESPA (Dodd-Frank).  Also, Ocwen has violated a plethora of Federal consumer protection laws afforded you under the CFPB and Dodd-Frank to include the “no runarounds” mandate implemented this year on January 10, 2014.  Lastly but probably not the end of the violation list with deeper digging, Nationstar has violated your right to exhaust all other options prior to foreclosure and the "no surprises" law that states that borrowers "shouldn't be surprised by the start of the foreclosure proceeding until they have had time to explore all other options."  You can learn more by visiting the CFPB's website and learning more about the rights afforded you under Dodd-Frank and RESPA via the CFPB http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/

Please feel free to contact me via email or website as I would be more than happy to contact Ocwen on your behalf to ensure your rights are not further violated and uncover options moving forward...free of charge to you!

My firm, END Consulting, is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation.  We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions.  The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone reading this as we always offer FREE consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for FREE to uncover the options that exist for you in this situation. You can reach me via email or website. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END






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