Ripoff Report Needs Your Help!
X  |  CLOSE
Report: #41607

Complaint Review: Ocwen FSB - Orlando Florida

  • Submitted:
  • Updated:
  • Reported By: Medford Oregon
  • Author Confirmed What's this?
  • Why?
  • Ocwen FSB 12650 Ingenuity Dr Orlando, Florida U.S.A.

Ocwen extortion deception con-artists abusive tactics refusal to respond to oral & written corospondence intentional theft of properties by illegal accounting method Orlando Florida

*Consumer Suggestion: Read the documents, Once notification has been given to Ocwen, you may give that same "thirty days" for response

*Author of original report: original reports and dates

*Author of original report: My Original Report:

Show customers why they should trust your business over your competitors...

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
content.
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

This is an example of one of my letters to Ocwen concerning their refusal to remedy problems they created, refusal to respond to written and oral complaints, refusal to properly apply payments, refusal of Vice President (or, so I was informed by an 800-customer service employee) to respond to latter of complaint and evidence provided to him n the form of recorded conversations on a CD that were taped telephone conversations of Ocwen 800-customer service personnel and myself.

I sent the same complaint and evidence to a Top Manager (again as stated and supplied by 800# employee) who also intentionally ignored my letter and evidence and never respond. Written Jan. 4, 2002:

VICKI XXXXXXX,MEDFORD, OR
OCWEN
ATTN: FLOOR 5-B
PO BOX 24737
WEST PALM BEACH, FL 33416-4737

I have written to your company concerning the payments I have made. I have called you company concerning the payments that I have made. I have been told 3 or four times that I would receive a statement of account and never received a statement of account.

I am listing my payments and dated of payments and what the payments are for below. I am not making a February payment as it had been paid long ago and it has never been applied to my account.

I have been through hours of wasted time on the phone with your company and never received any remedy or competent help to clarify these payments and the months that these payments are being applied to. I keep receiving statements from your company that
do not reflect the amounts applied and I keep being told by the individuals that answer the phone that it is because your system is not set up to register or credit 'prepayments'.

I refuse to call your company as I have never spoken to a competent individual that has been able to add and subtract and come up with the fact that I do not have a payment due until March 1, 2002 and late after March 10,2002.

I have written to the 'president' and sent copies of recorded conversations that I have had with these individuals at the 800 number. I have never received a reply, response or any correspondence whatsoever from the two individual I have written to at Ocwen.

I demand that any and all correspondence with your company be in writing refuse to call your service number as I previousexperiences have only proved a waste of time talking with incompetent people.

I AM SUBMITTING THIS AS A STATEMENT OF ACCOUNT:
This is my final attempt to contact your company concerning the fact that my payments are not being applied to my account.

I HAVE NEVER RECEIVED A STATEMENT OF ACCOUNT FROM YOUR

COMPANY. I DEMAND THAT I RECEIVE A STATEMENT OF ACCOUNT

IMMEDIATELY. MY PAYMENTS ARE NOT BEING APPLIED TO MY

ACCOUNT.

PAYMENTS
362.00 PAID JULY 03, O1 EVERGRREEN MONEY ORDER
PAID FOR THE MONTH OF:
JULY
90.00 PAID JULY 27,01
+ 272 APPLIED PRINCIPLE TAKEN OUT OF PRINCIPLE AND PLACED AS CREDIT TO PAYMENT(THIS WAS DONE BY
YOUR EMPLOYEE NAMED "CINDY".
=362.00
PREPAYMENT FOR THE MONTH OF:
AUGUST
1,086.00 PERSONAL CHECK CLEARED MY ACCOUNT ON 08-24-01
PAID FOR THE MONTHS OF:
SEPTEMBER
OCTOBER
NOVEMBER
362 PERSONAL CHECK CLEARED MY ACCOUNT ON 11-05-01
PAID FOR THE MONTH OF
DECEMBER
724.00 PERSONAL CHECK CLEARED MY ACCOUNT ON 11-09-01
PREPAID FOR THE MONTHS OF:
JANUARY 2002
FEBURARY 2002

NEXT PAYMENT IS DUE BY MARCH 10, 2002
I DEMAND THAT RECEIPT OF THIS LETTER AND ACCKNOWLEDGEMENT OF THE ACCURACY
OF THIS LETTER BE SENT IN WRITING TO ME AT MY ABOVE ADDRESS.
______________________________DATE: 01-04-02
VICKI XXXXXXX JACKSON COUNTY STATE OF OREGON


Because I did not want Ocwen to be able to steal my home, I did send in a payment to them for Feb 2002. I feel like I am experiencing extortion and it is my home being held captive, as well as my emotional state, stress level, freedom to travel, freedom of liberty, freedom to have the security of home ownership I once had and have worked and work hard to maintain!
I am and have been suffering, horridly, from the purposeful and intentional, abusive tactics that Ocwen uses against their customers to for the purpose of financial gains.

I am in need of help and assistance. I have found no remedy in my every effort to communicate with Ocwen. I have exhausted all avenues of remedy through correspondence both oral and in written form with Ocwen.

I am also exhausted emotionally, mentally and physically from trying to escape from this trap I have been held hostage in since Ocwen purchased my home mortgage loan.
I am desperate to regain the freedoms I once had. I have been in silent suffering and it has taken its toll on my life.

Thank you for you time that you spent to actually read my complaint. Time is all a person has in this life, really, and it can be taken so suddenly.
I have spent the last year and a half of MY TIME, living in fear of losing my home to Ocwen. That is what is so insidious about the tactics Ocwen uses to steal peoples homes and or properties.

It is out -right criminal what they are doing to me! And due to this site, I now know that Ocwen has been able to accomplish their true, unstated, hidden, and insidious mission to steal peoples homes and or properties through the use of abusive tactics that can be defined as nothing less that extortion!

Vickii
Medford, Oregon
U.S.A.

This report was posted on Ripoff Report on 01/15/2003 02:44 PM and is a permanent record located here: https://www.ripoffreport.com/reports/ocwen-fsb/orlando-florida-32826/ocwen-extortion-deception-con-artists-abusive-tactics-refusal-to-respond-to-oral-written-41607. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Updates & Rebuttals

REBUTTALS & REPLIES:
0Author
3Consumer
0Employee/Owner

#3 Consumer Suggestion

Read the documents, Once notification has been given to Ocwen, you may give that same "thirty days" for response

AUTHOR: Jeffrey - (U.S.A.)

POSTED: Thursday, January 22, 2004

READ YOUR MORTGAGE DOCUMENTS! All of them! Generally, a mortgage document will have a clause that "all "notices" will be in writing". Notify (remember this word, it is the only word you will use in your notice) Ocwen Financial that they have--------.

In the notices that they send to you, you are given "thirty days to respond". Once notification has been given to Ocwen, you may give that same "thirty days" for response. These days are "calendar" days, not "business" days, which Ocwen likes to hide behind. When you give NOTICE, be sure that you state that the company has thirty "calendar" days to respond. In your "notice" spell out anything that Ocwen has done to "breach" your contract. If you can(without question) accuse the company of violating state and/or federal laws, add it. Where possible, (must read state and federal statutes) add negligence and "bad faith". Send ALL correspondence "CERTIFIED" mail. At that point I would suggest finding an attorney. I myself cannot afford one, so, I will be going it alone (NOT RECOMMENDED). Good luck! Keep fighting for what's yours!

Respond to this report!
What's this?

#2 Author of original report

original reports and dates

AUTHOR: Vickii - (U.S.A.)

POSTED: Saturday, October 25, 2003

Category:
Mortgage Companies

Submitted: 1/15/2003 2:44:39 PM
Modified: 1/15/2003 2:44:39 PM

Ocwen FSB,P.O.Box 24737 W. Plam Beach, FL 33416 & P.O. Box 57002, Irvine, CA 92619-7002 extortion, deception, con-artists, abusive tactics, refusal to respond to oral & written coorspondence, intentional theft of properties by illegal accounting method Orlando Florida

Ocwen FSB
Address:
12650 Ingenuity Dr
Orlando Florida 32826
U.S.A.
Phone:
800-74-OCWEN
Fax: -


This is an example of one of my letters to Ocwen concerning their refusal to remedy problems they created, refusal to respond to written and oral complaints, refusal to properly apply payments, refusal of Vice President (or, so I was informed by an 800-customer service employee) to respond to latter of complaint and evidence provided to him n the form of recorded conversations on a CD that were taped telephone conversations of Ocwen 800-customer service personnel and myself. I sent the same complaint and evidence to a ?Top Manager? (again as stated and supplied by 800# employee) who also intentionally ignored my letter and evidence and never respond. Written Jan. 4, 2002:

VICKI XXXXXXX, OR
OCWEN
ATTN: FLOOR 5-B
PO BOX 24737
WEST PALM BEACH, FL 33416-4737

I have written to your company concerning the payments I have made. I have called you company concerning the payments that I
have made. I have been told 3 or four times that I would receive a statement of account and never received a statement of account.

I am listing my payments and dated of payments and what the payments are for below.
I am not making a February payment as it had been paid long ago and it has never been applied to my account.

I have been through hours of wasted time on the phone with your company and never received any remedy or competent help to clarify these payments and the months that these payments are being applied to. I keep receiving statements from your company that do not reflect the amounts applied and I keep being told by the individuals that answer the phone that it is because your system is not set up to register or credit 'prepayments'.

I refuse to call your company as I have never spoken to a competent individual that has been able to add and subtract and come up with the fact that I do not have a payment due until March 1, 2002 and late after March 10,2002.

I have written to the 'president' and sent copies of recorded conversations that I have had with these individuals at the 800 number. I have never received a reply, response or any correspondence whatsoever from the two individual I have written to at Ocwen.

I demand that any and all correspondence with your company be in writing refuse to call your service number as I previous experiences have only proved a waste of time talking with incompetent people.

I AM SUBMITTING THIS AS A STATEMENT OF ACCOUNT:
This is my final attempt to contact your company concerning the fact that my payments are not being applied to my account.

I HAVE NEVER RECEIVED A STATEMENT OF ACCOUNT FROM YOUR COMPANY.

I DEMAND THAT I RECEIVE A STATEMENT OF ACCOUNT IMMEDIATELY.

MY PAYMENTS ARE NOT BEING APPLIED TO MY ACCOUNT.

PAYMENTS
362.00 PAID JULY 03, O1 EVERGRREEN MONEY ORDER
PAID FOR THE MONTH OF:
JULY
90.00 PAID JULY 27,01
+ 272 APPLIED PRINCIPLE TAKEN OUT OF PRINCIPLE AND PLACED AS CREDIT TO PAYMENT(THIS WAS DONE BY
YOUR EMPLOYEE NAMED "CINDY".
=362.00
PREPAYMENT FOR THE MONTH OF:
AUGUST
1,086.00 PERSONAL CHECK CLEARED MY ACCOUNT ON 08-24-01
PAID FOR THE MONTHS OF:
SEPTEMBER
OCTOBER
NOVEMBER
362 PERSONAL CHECK CLEARED MY ACCOUNT ON 11-05-01
PAID FOR THE MONTH OF
DECEMBER
724.00 PERSONAL CHECK CLEARED MY ACCOUNT ON 11-09-01
PREPAID FOR THE MONTHS OF:
JANUARY 2002
FEBURARY 2002

NEXT PAYMENT IS DUE BY MARCH 10, 2002
I DEMAND THAT RECEIPT OF THIS LETTER AND ACCKNOWLEDGEMENT OF THE ACCURACY
OF THIS LETTER BE SENT IN WRITING TO ME AT MY ABOVE ADDRESS.
______________________________DATE: 01-04-02
VICKI XXXXXXX JACKSON COUNTY STATE OF OREGON


Because I did not want Ocwen to be able to steal my home, I did send in a payment to them for Feb 2002. I feel like I am experiencing extortion and it is my home being held captive, as well as my emotional state, stress level, freedom to travel, freedom of liberty, freedom to have the security of home ownership I once had and have worked and work hard to maintain!

I am and have been suffering, horridly, from the purposeful and intentional, abusive tactics that Ocwen uses against their customers to for the purpose of financial gains.

I am in need of help and assistance. I have found no remedy in my every effort to communicate with Ocwen. I have exhausted all avenues of remedy through correspondence both oral and in written form with Ocwen. I am also exhausted emotionally, mentally and physically from trying to escape from this trap I have been held hostage in since Ocwen purchased my home mortgage loan.
I am desperate to regain the freedoms I once had. I have been in silent suffering and it has taken its toll on my life.

Thank you for you time that you spent to actually read my complaint. Time is all a person has in this life, really, and it can be taken so suddenly.

I have spent the last year and a half of MY TIME, living in fear of losing my home to Ocwen. That is what is so insidious about the tactics Ocwen uses to steal peoples homes and or properties.
It is out -right criminal what they are doing to me! And due to this site, I now know that Ocwen has been able to accomplish their true, unstated, hidden, and insidious mission to steal peoples homes and or properties through the use of abusive tactics that can be defined as nothing less that extortion!

Respond to this report!
What's this?

#1 Author of original report

My Original Report:

AUTHOR: Vickii - (U.S.A.)

POSTED: Sunday, October 12, 2003

OPEN LETTER

This statement is purposefully and intentionally long. I believe it is a total necessity that the reader fully understands just how it is that Ocwen has enabled them to steal properties from their customers. Without a full explanation and complete understanding of the tactics used, it will remain a mystery to even the most learned and educated individuals, how these scams are accomplished. The real perpetrators of these scams are allowed to go free, as their involvement in this activity is invisible. They remain protected by the discovery of the all to out in the open and obvious incompetent employee. These incompetents are the ones who are to blame and are used to carry the full burden of punishment while the real criminals, who hide behind big titles and names or who are paid outside consultants, are never held suspect or implicated in the crimes. How convenient and profitable these scams have been!

My Experiences, Statement & Opinions

I have not been at rest about the security of my home ownership ever since Ocwen bought my home mortgage loan in June 2001.

It has been a constant worry and concern and stress for me that Ocwen will simply not apply the payments I send to them to my mortgage, (as they did with the very first payment). I also never know if Ocwen will suddenly assess a false late charge or some other fee alike to the false fee collected for no proof of insurance (which has both, already been assessed to my illegally, by Ocwen).

I live in fear and concern that Ocwen will enable themselves through these illegal activities, to foreclose on my property.

The collection threats that I received from Ocwen over the phone in July and August of 2001 were totally unacceptable to me. They were highly verbally abusive, intimidating and threatening. The affects of these calls have stayed with me and I am concerned about what they might try to pull next, particularly beings I travel a lot and am not always home to receive my calls and or mail immediately.

Needless to say this has made my traveling stressful as well.

It is amazing to me to think about just how effective their fear tactics are and how it has affected my emotional state and my stress level. I do not have the money to pay attorneys to fight a huge company should Ocwen suddenly decide to simply foreclose on my mortgage.

I have been at least two months in advance of the current payment due and Ocwen refuses to credit my account with these payments. I have no idea, to date, what Ocwen is doing with my payments and why they have refuse to pull out of principal, the amount they stated they would and did, back in August 2001.

I live in fear of losing ownership of my home because Ocwen purchased my mortgage and has proved to me, through their business practices, that they have no intention of providing me with accurate financial records and or statements that reflect my actual payment history. I have been living my life with constant and continual stress due to Ocwens refusal to timely and properly apply my payments, the refusal of top executives to respond to my letters of complaint and the horrid treatment that I have received when placing a call to the Ocwen 800-customer service number for assistance.

This continual state of stress has taken its toll in both my personal life and business livelihood. Ocwen has refused to respond to my legitimate complaints regarding the use of intimidation, harassment and outright rudeness of their employees at their 800-customer service number. I have suffered the temporary psychologically damaging affects of being subjected to fear inducing tactics used by Ocwen employees calling me at my home and business, day and night, alleging I am behind on my mortgage payment(s). Ocwen has never responded to my letters concerning the employees who use these tactics and the evidence of this abusive behavior that I provided to both the Vice President and a top manager of Ocwen.

My very ownership of my home is at the mercy of a company that has proved to me to purposefully intentionally and willingly ignore my complaints and continues to refuse to apply payments properly and in a timely manner, if at all! I have exhausted every and all attempts of seeking remedy with this company. My numerous attempts of communication with Ocwen have proved futile and have proven to be a complete waste of many hours and days of my life.

I firmly believe, from my personal experiences with Ocwen that Ocwen intentionally, purposefully and with due consideration has orchestrated and maintains this state of total ignorance and refusal to communicate with their victims/ customers to ensure future financial profit from these ill conceived business practices. This ignorance and refusal to communicate allows and enables Ocwen to easily and quickly gain full power over their victims/customers mortgage and eventually foreclose and own the properties of their victims/customers.

I can not afford to refinance my property. I did, in fact, spent a great deal of time last year (2002) on the WWW and calling local institutions, driving to town and researching the possibilities and costs to refinance. I did this because I can not stand the constant and continual stress I live with due to Ocwens? ownership of my home mortgage.

I have never, in almost twenty years of home ownership, been placed into such a horrid situation as I am presently in with Ocwen. Never, have I experienced such abusive customer service and never have I lived in fear of losing my home, to anything or for any reason, until Ocwen purchased my mortgage.

The stress and anxiety that I have been placed under by the fear and intimidation tactics used by Ocwen employees and the refusal of Ocwen to respond to written complaints of these abusive employees is the cause of my writing this affidavit.

I am in high hopes that something can be done to end this misery.

I have never received one response from either of the two letters of complaints that I sent to Scott Conradson and Mr. Melchionni. Ocwen employees provided me these two names and the address when I demanded to know then names of the CEO, President, head managers or owners of Ocwen, so that I could file a written complaint. I, to date, do not know who these people are or if they even exist. I was told that the first was a top manager and the second was a Vice President.
I have evidence of mailing these complaints to these individuals as I sent each as certified return receipt. I provided them with evidence of the abusive tactics used by their employees on the phone at Ocwens 800-customer service number.

I have found it an absolute necessity to maintain, with evidence, a payment schedule that is one, two or three months in advance of my payment due dates and I have been sure to send in these advanced payments before the due dates of the previous month. Even so, I was informed by an individual at the 800 number that I had a late charge on my account that required immediate payment and that I was behind a payment. This information was stated to me after I had already paid in advance one month and was calling to verify that Ocwen had received the next payment that was for 2 or three months in advance of that!

I spent a long time on the phone re-calling the 800 number in hopes of actually talking to a competent person. I was again informed I was behind in payments. I think that series of phone calls lasted three or four days. I was calling Ocwen in a vain attempt to find out why Ocwen had not applied my previous payment and was stating that they had also not received the payment that I had mailed over a week prior to my original inquiry a few days before.
I finally, after many days and hours on the phone, found out that Ocwen employees are simply incompetent.

These employees either do not know how to read, do not know how to operate the computers to retrieve information for the customer, or they, just like the top manager and Vice President, simply ignore what is written and refuse to respond with accurate information. As is above, is as is below!

How convenient for Ocwen to ignore receipt of a mortgage payment and not post or apply payments they have received and admit to having received to the mortgage loan! How convenient for Ocwen to ignore a written statement instructing Ocwen how to apply the attached check that is the total of two home loan payments. How convenient for Ocwen to ignore instructions that are attached to the payments they receive and simply apply the excess amount over the normal payment to principal. How convenient for Ocwen that this causes late payment fees to be assessed to the account and caused the eventual foreclosure on the loan. How convenient for Ocwen to own all these properties they have obtained through this continued and purposeful incompetent handling of home mortgage loans!

I really have no idea what Ocwen has done with my payments as their payment history, that they did send to me, does not reflect the actual payments I have made. Ocwen has never applied my very first payment made in June 2001 of $ 90.00 to the amount they stated that was pulled out of principal and applied to the August payment.

After many hours and over a period of two weeks calling the 800-number, I was finally instructed by one woman that I would simply have to call every month to check that my payments are being applied if I send in a double or triple payment. She stated that it was my responsibility to call in every month to ensure that my payments are applied because Ocwen does not accept payments for more than the month that is current. I explained to her that I have never encountered these methods of mortgage handling and that I traveled which makes it impossible for me to pay on time, if prepayments are refused and if my instructions attached to these payments are ignored.

Apparently, no obviously, Ocwen cannot be trusted to receive such payments, even with a written statement instructing their employees how to apply the payment that is enclosed in the envelope.

I actually came back home from travel abroad and did not continue my travels to the second country, because I did not want Ocwen to foreclose on my property while I was away. This is how I have been living since Ocwen purchased my mortgage.

I am outraged that my life has been adjusted around my monthly mortgage payment because Ocwen refuses to run their business in a competent, accurate and legal manner. Ocwen refuses to apply my payments timely and refuses to apply the double or triple payment to the months that I clearly and concisely state in writing with the payments.

Sure enough Ocwen decided to send me a check only four days after I left the United States for travel. When I returned home and found this check in the mail, I immediately mailed another mortgage payment. Ocwen sent me a check for $52,22 with no explanation of why or where this money was from.

Even though my records and evidence show that I am a couple months ahead, I do not know if Ocwen properly applied those payments to my mortgage payment or if Ocwen applied those payments to principle.

My experience has been that every person that I have, to date, spoken to at Ocwen was either incompetent or simply unwilling to help. I also find it interesting that just 6 days after I flew to Asia (November 31, 2002) Ocwen decided to send me this check, without explanation or any information whatsoever as to why it was issued to me. This Asian trip was planned during November and I was out of the country for almost a month.

I returned the check marked ?refused? along with a letter asking for an accounting of this money and explanation of issuance of this check. I refuse to call their 800 number to find out their explanation as to why this check was sent. I have been there and done that!

This is all very interesting indeed considering that there has been quite a bit of attention drawn to Ocwen and their highly questionable business practices.

Ocwens? research department has never resolved the fact that they failed to pull out of principal, the amount of $272.00, that had been applied to principal by METWEST (previous mortgage service). I was promised and assured that this would be done by a manager at Ocwens 800 number and I was instructed to not contact METWEST about the payment being applied to principle and not held in escrow when the loan transferred.

I asked if I should just pay only the remaining balance of $ 90.00 and the manager instructed me to do just that. I sent in my $ 90.00 payment. The manager promised me that I would receive a call from him or the research department within the week to confirm the application of the $ 272.00 to the July payment. I figured it a minor ordeal and trusted that Ocwen would apply this amount to my first payment and add it to the $ 90.00 I paid to make a full payment of $ 362.00.
Not!

July 2001 was the very first payment I was required to make to Ocwen as they purchased my loan in June 2001. I called Ocwen when I did not receive a return call as was promised be the manager. I was placed on hold and was transferred three or four times. I was refused to be connected to that manager again and I spent the entire day, after disconnects and total incompetence of Ocwen employees, trying to receive help to find out about this amount that was promised to be taken out of principle and applied to my very first payment. An employee told me that the Ocwen research department would take care of the problem and to go ahead and pay the $90.00 payment only. I had already sent that payment, the remaining amount of $ 90.00 to make a full payment of $ 362.00 just as I was instructed to do by Ocwen a manager at Ocwen.

I was very uneasy with this arrangement and I immediately went to town and mailed priority mail, a full payment of $362.00.
I contacted METWEST with a letter of demand. I demanded that they write to Ocwen and have the amount that they applied to principle adjusted and that they pay the late charges now assessed to me by Ocwen.

I had years ago, been informed by METWEST, that if you make a payment for more than the current month, you must state that you want the remaining amount to be applied to the next month. They informed me of this as I had been increasing my payments, years ago, to pay down the mortgage. I found out that after a few months that METWEST did not apply the overpayment to the principle and I was told it was ?because I did not state that that was what I wanted done with that extra amount.

I was told, at that time, that it was illegal for a mortgage company to apply an overpayment made by a customer towards principal, without written instructions to do so. But when I sent METWEST a payment in May and wrote that it was for May June and July 2001: METWEST applied, without my instructing them to do so, the remaining amount of $ 272.00 towards principal, instead of holding it in escrow to later be applied to my July payment. I guess the laws change to fit the mistakes!

This action by METWEST is questionable and I do not know what the heck the actual laws are! I only know that I send in a payment with accurate instructions as to what I want done with the payment and I have never had any problems that were not immediately remedied with METWEST (at least that I am aware of, anyway!).

When METWEST did not apply the extra amount that I sent to pay down my mortgage, they applied the amount that they had held in escrow to principal, upon receipt of my instructing them to do so.
I lost interest expenses during the period of time the amount was held in escrow, but you live and learn.

The lessons that Ocwen has to teach are brutal, abusive and totally unethical. It is far more than simple incompetence on their part.

I realized that Ocwen was a totally incompetent company when I never received a return call from the manager or Ocwen research department to confirm the application of the $ 272.00 to principle, as has been promised by the manager.

After sending Ocwen the second full $ 362.00 payment, I called to confirm that they received it and applied that payment to my July payment. I explained, or should I say, tried to explain the situation and stated that I had mailed the payment 3-day mail on July 9th to avoid any late charges or problems. I also tried to inform the individual that I had never received a return call from the manager or the research department.
I was on the phone for hours and hours and days and days. I was given inaccurate information, hung up on, refused be allowed to talk to managers, supervisors and refused any alternative numbers to call.

Then Ocwen began a campaign of collection calls. I received harassing, threatening and intimidating collection calls all through the month of July and August night and day!
I managed to record one such call and did not even allow the person to being their usual fear tactics.

I demanded to know what she was calling about and immediately threatened a lawsuit if these harassing calls continued. I also told her that I suggest that Ocwen find my $ 272.00! I was out ragged and past the point of my usual patient composure. I had just gotten off the phone with another incompetent employee who was giving me the usual, familiar run-around so I was not going to put up with any more abuse whether purposeful and intentional or just bane ignorance.
I have, to date, never been able to remedy that situation with Ocwen.

I have evidence of notes taken that shows the name of an individual at the 800 number who informed me that the $272.00 had, in fact been taken out of principle and applied to the August payment on August 15, 2001. I was told that the $ 272.00 was combined with my first payment of $90.00 was applied as one total payment. This was an outright lie.

I hope you, my reader, understands that this is the VERY FIRST PAYMENT I was obligated to pay to Ocwen. Due to the immediate onslaught of collection calls after I had not allowed Ocwen employees to intimidate me out of calling them until I received resolution to the problems Ocwen employees created, I began to suspect that an Ocwen employee was setting me up for a future foreclosure. I acted accordingly by keeping notes on conversations. I have a lot of equity in my property from my years work, labor and investment. So I am not going to allow some incompetents the ability to lose my property in their bad business and customer service practices.
But then, at the same time, I thought that I was reacting to the situation with a bit of ?paranoia?. So I then thought that it was probably just a coincidence and that I just happened to get the worst of the employees that Ocwen had hired and that things would get better and the problems would probably be fixed with in a month.
NOT!

Then, as time went on, I became very suspicious of their tactics and carefully listened to what they stated. One woman stated that my loan can immediately go into foreclosure and I better read my original contract.
As I have a substantial amount of equity in my home, I certainly do not appreciate that my investment has been placed in jeopardy! And that is exactly the threat I have been living under since July 2001.

Ocwen has placed my equity in my property and my property ownership in jeopardy. I am at the mercy of their ?believed and perfectly orchestrated? incompetent employees who refuse to listen to a concern when you call the 800-customer service number and who refuse to apply payments properly to my home loan mortgage.

Just how many homes has Ocwen foreclosed on and just how many thousands of dollars have innocent people paid to protect their homes and investments? And how many people have lost their homes?
Is this criminal activity new to Ocwen or have they been purchasing home loans mortgages, refusing to properly service these loans and profiting from these incompetent (or not so incompetent but very well planned) business practices for years?

MY PERSONAL OPINIONS, EXPERIENCES, OBSERVATIONS & CONSIDERATIONS:

My experiences of the harassing calls to my home finally ended only after I had informed these individuals that I was keeping a written log of their harassment and I threatened to sue Ocwen.
I also informed these individuals that I was recording their calls and other conversations I was having with Ocwen employees.
The tactics used by Ocwen employees? evidence that this company may be involved in other practices that are far greater a concern than their obvious scam to swindle people out of their home ownership.

I have perfect credit.
I was a victim of Identity Theft back in 1998.
II was supposed to travel out of the country in December 2001. The trip was canceled so I remained at home. I had spent a great deal of time on the web and with travel agencies planning the flights and arranging transportation.
I, again, in December of 2001, had someone access my bank accounts, change my address and receive copies of my ATM cards, a credit card and the pen numbers. This was all taking place while I was supposed to be out of the country! I find it very interesting that Ocwen would send me a check, with no explanation, only 4 days after I was out of the country on November 31 2002!
I do not believe so much in coincidences anymore, as my observation has evidenced definite patterns of certain activities.

I believe Ocwen has employees that are nothing lees that a ring of thieves who know exactly how the system works and how to remain protected from any severe sentencing by the court.

I know these individuals are well aware of their abusive employees and are also well aware of the illegal activities taking place in their business.

I believe these same individuals are aware of the fact that a fine for unethical behavior and the illegal theft of people?s homes will be only a fraction of the money that has been gained in these unethical and illegal activities. I believe that these individuals involved in criminal activities have weighted the cost of their crime and compared that cost to the earnings received from these criminal activities and know that they will end up with more money than they had before the crimes took place. I believe that these individuals are also aware of the fact that they will probably not serve one day in jail or in prison for their criminal activities.
People are generally trusting and not aware when they are being targeted for this type of criminal activity. Due to the nature of these tactics, an individual is left wondering if it is them or is there something going on. They being thinking that perhaps they being over reactive to the situation. Self-doubt is the first reaction of normal, honest people! And these criminal con-artist depend on that self-doubt. That is why these tactics are so insidious and harmful to the victims.

The victims are generally educated, kind and normal everyday citizens. The last thing these type of people think is that they may be the subject of a scam designed and orchestrated to steal their property or home.

That is the perfect MO of the perfect victim for these types of scams and operations.
If businesses in the United States are allowed to use these tactics and continue operating with in the United States, the very financial structure of this Nation will remain at risk. Who would think that such a large and reputable company would be operated by con-artists?
I would and I do.

My personal experiences with Ocwen, my observation of the tactics, methods and techniques used by Ocwen and the respective gains resulting from the use of these various tactics are all evidence that Ocwen surely is operating an illegal business. It is unethical but there are no real punishments for unethical behavior.
I believe it is high time that the US judicial system be upgraded and advanced to enable the ability to prosecute the perpetrators of these types of crimes.
Until that is done, these people, the truly guilty parties, will remain free to continue their scams and receive large profits for their ingenuity, orchestration and implementation of these scams.
I am outraged and appalled that Ocwen has been able to continue their operation as long as they have.

I wonder why the BBB has not responded to my complaint.

I wonder why this business has been able to operate with impunity.

I wonder whose pockets are being filled at the expense of innocents. I wonder if Ocwen purchased many mortgage loans from METWEST or if they just bought targeted properties that had large equities.

I wonder who determines which mortgages Ocwen buys.

I wonder who performs the research into which properties Ocwen purchases.

I wonder whom it is at Ocwen that actually make the decision to purchase or not to purchase a mortgage.

I wonder just how selective Ocwen is concerning the properties they chose to illegally steal through their illegal business tactics.
I wonder what a comparative analysis between Ocwens and another companies purchasing record would show.

I wonder if Ocwen has certain criteria for mortgage purchasing that other companies do not have.

I wonder if the escrow accounts at Ocwen are maintained properly and interest is paid regularly.

I wonder if Ocwen keeps within all regulations concerning escrow activities.

I wonder which banks and other institutions and or companies assist Ocwen in their property theft.
I wonder if these other businesses are aware of Ocwens activities.
I am in high hopes that the courts pay heed to my ?wonders? stated above and call in for the obvious necessary and crucial help they need to discover all the facts surrounding the ?uncanny? ability Ocwen has to gain ownership of their victims property and or homes.

AFFIDAVIT
My Sworn Statement and My Statement of Facts:

My name is Vicki Lynn Carlson.
Ocwen purchased my home mortgage loan in June 2001.

The loan is for my home mortgage.
I dwell in my home and it is my personal residence. I have lived here since I purchased this home on August 1, 1994.

My home has a mortgage that Ocwen purchased in June 2001.
My home address is:
43943 Highway 62
Prospect, Oregon 97536

I have made my mortgage payments on time and have mailed these payments far in advance to ensure their timely delivery to Ocwen at their Los Angeles payment center.

I have evidence of these payments and evidence of some of the mailing dates. For self-protection I had to resort to paying extra in mailing costs to purchase certificates of mailing for proof of dates my payments were mailed.

Ocwen employees:
Purposefully, willingly and intentionally do not applied payments that are timely mailed
Have not provided any remedy, help or assistance on the phone concerning payments and how and when they are applied Purposefully and intentionally used *tactics that allow them to not address the issue, problem or complaint when calling the 800 number for assistance Purposefully, intentionally, and willingly placed my ?file? or?record? into a collection calling center so that I would receive harassing, threatening and abusive calls at my home and business during day and night hours Charged me for insurance when evidence of insurance had been provided to them (at least 3 times) Provided incorrect Fax number for me to transmit proof of insurance Refuse to respond to legitimate complaints I have sent in writing Given false information about receipt of payments and maintain inaccurate records of my payment history Refuse to remedy complaints that I have lodged in writing Refuse to amend Ocwen records of my payment history to reflect actual payment dates and amounts Ocwen Managers have:
Refuse to follow through with what they promised concerning payments and application of payments
Refused to return phone calls when I was actually able to talk employees into leaving a message
Refuse to respond or even acknowledge receipt of a letter I wrote containing legitimate complaints and the evidence of recording sent along with the letter as evidence of the abusive tactics that employees use against customers when calling for assistance at the Ocwen 800- customer service number

Ocwen Vice President:
Refused to respond to and or even acknowledge receipt of a letter of complaint loan and evidence provided concerning the abusive nature of Ocwen customer service at the Ocwen 800- customer service number.

*Tactics:
Refusal to allow a customer to lodge a complaint by continually interrupting the customer and acting offended when customer raises voice or shows signs of high stress (passive aggressive)
Refusal to assist the customer in tracing a lost payment and disconnecting the call (power playing)
Acting ignorant about a payment that has been received and confirmed by a different person at the same 800 number and making threats and demand for immediate payment with threats of foreclosure (threats intimidation)

Asking subject questions and not allowing the subject to answer by continued interruption
( dis-empowerment frustration) Refusal to allow customer/subject to talk to a person who the subject was informed was ?the person taking care of or assigned to subjects case? (power playing, futility) Claiming that the names of the people that subject has had prior conversation with do not work there (futility dis-empowerment)
Refusal to allow subject to talk to supervisors, and or managers (power playing futility)
Refusal to give an employee numbers or other identifying information, usually stating that they are the only person at that number with that name (dis-empowerment denial or responsibility)
Claiming the computer is down and records not available on a consistent basis (futility)
Stating to subject they will connect him/her to the supervisor or manager and placing the subject on hold for extended periods of time: returning to the phone claiming supervisor or manager is not available and refusing to offer remedy (power play frustration futility dis-empowerment)

*Tactics, methods and benefits to the user:
These are some examples of the tactics that I have experienced and know are used by employees at Ocwen . These well known psychological tactics are used encourage hostility, frustration and anger in the subject. When the user/abuser of these tactics has the power position in the conversation, they further this abusive behavior by acting like they will transfer the subject to a different person in authority or place the subject on hold while they retrieve the information or assistance the subject has called to receive. The subject is now in the emotional state of relief and has a feeling of renewed hope that their misery (caused by incompetent or purposefully incompetent Ocwen employees) will end and a remedy will be found.

But this is just another tactic used to further abuse the subject and gain the emotional control of the subject to a greater degree. It is just a power play and a set up to control the emotions of the subject. This is all performed so that the employee does not have to assist or help the subject!
Eventually and after a long period of time waiting on the phone, the same person returns and states that they simply can not find the person, the person is not available or even, to add insult to injury, that the person does not work there or that the information is not available or the computer just went down. The subject is now either in the emotional state of total futility or totally out raged. Depending on the character of the subject and their ability to withstand this type of psychologically abusive game playing depends on how the subject will react.

I hope this write allows the reader to understand, fully and completely, just how insidious these tactics are and how they psychologically effect the subject and benefit the abuser. There are not a whole lot of people who can handle this type of treatment particularly when they have fully fallen into this insane trap and have become out raged at the individuals on the other end of the phone. These subjects are not only unaware of what they are being exposed to they are also not trained to handle such psychological game playing and the intensity of this type of passive aggressive behavior.

OOPS? I am not talking about subjects?excuse me, my temporary confusion!

I am talking about CUSTOMERS OF OCWEN. These customers are not calling into the Ocwen 880 customer service number to become subjects of psychological power playing or interrogation tactics! These customers are not calling Ocwen to brush up on their power playing defense strategies! These customers are not trained in the methods, techniques and tactics of how to sufficiently cope, maintain and protect themselves during a psychological power play, excessive passive aggressive behavior and or an interrogation.

I am talking about people who are calling their mortgage company to find out what is happening to payments they have mailed that have cleared the bank but do not show on a statement, or why they have been assessed late charges or why their payment was used to pay some forced insurance premium.

These customers have not been trained or psychologically equip with fore knowledge of what is about to happen when they place that call to the Ocwen 800-customer service number. I wonder how many people actually experienced heart attacks or suffered increased and continued high blood pressure from their experiences with employees at Ocwen. The only resort these employees have when a customer refuses to be entrapped into that psychological insanity is to hang up on the customer! I had plenty of that and resorted to written only communications with Ocwen! But, Ocwen just ignores my written complaints and does not address the concerns and issues I have written to them.

Playing these power games and games of threat, intimidation and emotional control are not a safe nor are they a psychologically sound way to conduct a business. I hate to bring this information to public awareness with such bluntness. But I firmly believe that the use of these tactics is the cause of some of those events the public read about in the news or view on TV where ?some crazy person? for ?unknown reasons? just went postal and murdered a bunch of people at some business.

I firmly believe and without reservation that if there were an actual full and relentless investigation into these isolated incidences, it would be discovered that the individual who committed these crimes had been subjected to these very same tactics that have been used on me by Ocwen employees.

Psychological game playing is a dangerous sport?..

I find it an out rage that Ocwen employees have gotten away with this abusive behavior and have financially benefited from doing so!

This insanity must be put to an end!

I think it is high time that the courts consider the fact that some people are simply not emotionally equip to handle these type of emotionally abusive tactics. I believe, with the increasing amount of mood altering drugs being prescribed in this country, that there is an immediate need to begin legislation to enact new laws governing the use of these tactics. These tactics are considered unethical but I think we had better change that status to illegal, and we should do this with haste!












Ocwen has consistently and with purposeful intent:

1. Failed to timely credit my funds on a consistent basis;
2. Purposefully and willingly maintains a staff of incompetent and rude individuals who provide horrendous Customer Service on their 800 number for the sole purpose of future financial gain;
2(a) Purposefully and willingly maintains a staff of competent and trained individual who use tactics to intimidate, demean, dis-empower and disables the customers the ability to make any verbal complaints concerning their payments not being applied or concerning the horrid customer service that have received*
3. Failed to respond properly and timely to my inquiries (regarding loan payments) as required by law (RESPA Section 6);
4. Illegally placed my number into their collection calling division for the purpose of harassment at my home and business day and night with collection calls during July and August 2001;
5. Held my payments for several days before crediting, just to create late charges and or harass me;
6. Refused to credit my account with an amount that had been applied to principle as had been promised by a manager;
7. Told me to not call my previous mortgage holder to correct a payment that had been applied to principle because Ocwens? research department would credit my account and directed me to pay only the remaining balance and not the full payment, for the sole purpose of future financial gain:
8. Imposed forced hazard insurance on me and charged me a fee for this, even though my insurance broker faxed proof of coverage (three separate times) and I had timely mailed proof of insurance to Ocwens their LA branch;
9. Provided incorrect fax numbers to me for proof of insurance to be transmitted to;
10. Diverted my payment to a "suspense" or "miscellaneous" account and improperly used that payment to use towards their false insurance fee, for the sole purpose of financial gain;
11. Refused to amend their improper records of my payment history and correct their records to reflect accurate and correct payment history, for the sole purpose of future financial gain;
12. Refused to accept a double or triple payment and credit those payments properly to my home mortgage loan, for the sole purpose of future financial gain;
13. Refused to properly research my payment history and pull out of principle, the amount that has been there since June 2001;
14. Refused to respond to letters of complaints I have written and have certified return receipt mailed;
15. Refused to allow me to talk to supervisors
16. Refused to allow me to talk to the same individuals that I had previously spoken to, who had either given false information or made promises to apply payments, adjust records or make the necessary changes to remedy the problems I have consistently experienced to date with Ocwen
17. Purposefully and intentionally refuses to follow through with what I was told would be done to remedy the situation, for the sole purpose of future financial gain;
18. Purposefully and intentionally disconnects phone in the middle of a conversation, for the sole purpose of creating anger, frustration and feeling of futility
19. Continuously maintains a minimum of three to ten minutes before returning to the phone after being placed on hold
20. Consistently uses harassing, threatening and psychologically abusive tactics, techniques and methods during phone conversations, to ensure avoidance of any assistance or remedy to Ocwen created problems and to create the feeling of total futility in the customer

*Everybody knows that verbal complaints are easy, but it takes a lot to get the general populous to sit down and write a letter.





Knowing this, one must consider the fact that Ocwen employees? use of these tactics have served Ocwen well: both financially and probably, when considering the lack of letters and documentation, legally as well!

Knowing this, I am in high hopes that what I have written here will allow the court to be better informed as to the insidious nature of the crimes taking place. I hope it is understood that during the time a person is subjected to these types of manipulative acts there may be a lack of documentation, record keeping and lack of notations during these conversations with Ocwen employees.
I hope this is remembered when considering the legal actions to take place.

WHAT I WANT THE COURT TO DO:

I want the courts to immediately shut down Ocwen and provide customers with an alternate loan servicing company.
I want the court to place Ocwen under immediate investigation for possible crimes of money laundering, illegal theft of properties, misuse of escrow accounts and illegal assessments of fees.
I want the court to immediately freeze all assets and moneys belonging to Ocwen as well as all subsidiary corporations, companies, business and or other money making ventures that Ocwen is owner of in part or whole.

I ask the court to freeze the assets of the CEO, CFO of Ocwen and other individuals that may be found guilty and held accountable for and responsible for the crimes committed by Ocwen.

I ask that the court recognize the abusive tactics that Ocwen employees use to conduct their business

I ask that the court recognize the manipulative and insidious nature of the tactics used by Ocwen employees

I ask that the court recognize that the use of these tactics played a key role in allowing Ocwen to gain control of customers? mortgages and allowed the eventual foreclosures on these mortgages

I ask that the court recognize that Ocwen achieved financial gain by allowing these tactics to be used against Ocwen customers

I ask that the court order Ocwen employees to immediately cease and desist using these tactics to conduct their business and achieve financial gain

The above statement is true and accurate to my knowlegde. I have recovered, from copied disks made during computer failure, documentation and evidence to substantiate the above claims to the best of my ability. I have evidence of recorded calls, letters written concerning my loan payments, canceled checks, bank statements and money order receipts, as well as certificates of mailing, certified return receipts and notations made during some of my conversations with Ocwen employees.

SIGNATURE:_________________
DATE: ______________________

Respond to this report!
What's this?
Featured Reports

Advertisers above have met our
strict standards for business conduct.

X
What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

WATCH News
Segment Now