Ocwen Federal Bank Ripoff Unwarranted Late fees Legal Fees Foreclosure Threats Incorrect Info Orlando Florida
I got a mortgage with Ocwen in September 2002. They immediately began sending my statements and notices to an incorrect address. I didn't know this, obviously, since I was not getting anything. I am being held responsible for not telling them that I was not getting mail from them. (How would I know what I am not getting vs. what I should be getting?) They began racking up late charges that I didn't know about, since they sent notices of these to the incorrect address. They eventually filed foreclosure procedures against me - again, without my knowledge. I had no idea, and would not have known had I not been looking into having this mortgage refinanced. They began to make negative reports on my credit rating, while at the same time refusing and returning payments that I was making on my mortgage. When I called to ask why they had been returned, I was given an incorrect answer.
I scheduled phone meetings with their customer service department in order to sort things out - and their rep. cancelled them on me, saying she was too busy. I asked her repeatedly to call me and gave her all of my contact information. She repeatedly called my home number during normal business hours, and left messages for me then. (I had told her that I work during the day, and provided both work and cell phone numbers. They could not figure that out.)
My mortgage was not being reported on my credit reports. It did not appear that I ever had one with Ocwen. Owen would not tell me that the payments that I had been making over the last nearly two years had been actually going to pay off my mortgage - for a while, they would not even acknowledge that I indeed HAD a mortgage with them.
When they began reporting my mortgage to credit reporting agencies, they added all of the fees and foreclosure procedures that they had initiated. I am now unable to get a mortgage with a new lender, since these outrageous late fees, legal fees, foreclosure fees, and so on have inflated my payoff amount and made my credit standing look awful. My mortgage broker was told that Esmerelda Anglin, Ocwen's ONLY customer service representative, was no longer employed there, and that she should not be contacted any more. I was told that this information was false, and that I was lying. I was also told not to contact their customer service department any more with my concerns. They appear to be doing this kind of thing all over the country, taking people's homes and ruining their credit ratings. Why can't they be stopped?