WE ALMOST DIED BUT MY SON AND I ARE HOLDING EACH OTHER UP

UPDATE JANUARY 3, 2018.

This is an update of a post written in September 2016. At the time I thought being attacked by OCWEN which manages my home loan that DEUTSCHE BANK bought was enough to kill a person. We didn't find an attorney to help us save our home but the CFPB helped stop the unwarranted attack and OCWEN put my name back on my loan. I saved our house but didn't get any damages for the hell of having to fight to save my home when I had a loan in good standing with a perfect payment history. Then, still in 2016, I thought what FARMERS INSURANCE did to us was going to kill us. I never dreamed that UNIVERSAL FLOOR SOURCE was being dishonest with me, my home insurance and SYNCHRONY BANK, that they didn't really have a license to rebuild our kitchen after mold remediation and they would join the ranks of vultures trying to steal the $76,000 equity in our home. And little did I know the HERO PROGRAM and PETERSEN DEAN SOLAR also had a scam cooking, that they also had been drooling over the $76,000 equity in our home that KEEP YOUR HOME CALIFORNIA had just granted us. With no attorney, my son and I had to fight alone to save our home. My autistic son James was by my side as I filed complaints with government agencies and filed responses in court to PETERSEN DEAN'S sneaky attempt to steal our home via Mechanics Liens that they had no right to file. They hoped no one would find out in time to stop them.

In 2016 a lot of con artists descended upon my autistic son and I and attempted to steal the equity in our home or in PETERSEN DEAN'S case, our entire home. A series of simultaneous disasters prevented us from focusing on the go fund me page for James in 2017. We found ourselves in a life and death fight to stay alive. We were in the emergency room over and over again with breathing difficulties and loss of consciousness. We were both badly beaten down by men who relentlessly threatened and bullied us, and we both began suffering sudden extreme high blood pressure episodes with fainting and difficulty breathing and lung infections. My son James and I are happy to be alive. We are still in danger and living in filthy, dangerous, horrible conditions but we managed to stay alive through all this.

The CFPB helped us make OCWEN stop its out of the blue attempt to steal our home (suspiciously following a $76,000 KEEP YOUR HOME CALIFORNIA GRANT and $5000 HAMP incentive award for never being late on my home loan). My CFPB complaints stopped OCWEN'S attempt to reverse our home loan modification which has a PERFECT PAYMENT HISTORY but during that battle to save our home from OCWEN, stachybotrys mold was discovered in our home and contractors who lied about having a license further damaged our home and shattered our lives before we could get back up on our feet after the unjustified OCWEN attack.

Here are some links to the simultaneous, ongoing disasters that my son and I are facing alone:

UNIVERSAL FLOOR SOURCE 

A THING OR TWO ABOUT FARMERS

PETERSEN DEAN and the HERO / RENOVATE AMERICA SCAM

It is a new year. We are still alive. My autistic son has made it clear to me that he trusts me and loves me. I am humbled by the way my son still looks up to me after I got so badly beaten by all these bullies these past two years. I am deeply moved by the his absolute trust that I will always keep him safe. He has made up little songs about me I will not fail him. I will get our house back from PETERSEN DEAN / HERO / RENOVATE AMERICA and I will sue them for their ruthless attempt to steal our home via their shameless tax credit scam. I will make UNIVERSAL FLOOR SOURCE repair what they destroyed without having a license. I will sue FARMERS for their standoff with my home insurance, for refusing to remediate the mold that their client Shadowbrook Estate Home Owner's Association caused.

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The original September 28, 2016 post before things got so utterly out of control:

With all the fighting for our lives to save our home from OCWEN and now FARMERS INSURANCE, when all we have done is always pay our bills on time, there was little time left over to work on this fundraiser to help my autistic son James.

His dental pain is so severe that his life is ruined. The medications the ER gives him to make him stop crying have backfired and caused him to cry more with severe bladder problems. He spent Christmas and his birthday in pain, in bed. His health is being destroyed and his teeth hurt him everyday. 

Please share James' Go Fund Me video with everyone you know. Thank you. ❤️

http://www.gofundme.com/painfreeJames

WHY WOULD FARMERS INSURANCE COVER UP MOLD?

 

Farmers Insurance has made a settlement offer in a Stachybotrys Sp. mold case. They want us to hide the mold. The Farmers Insurance representative was adamant about there being NO MOLD REMEDIATION.

Does Farmers Insurance expect me to lie when it's time to sell this house? Am I supposed to tell prospective buyers that there are many strong, heavy, active fertile colonies of STACHYBOTRYS SP growing in the wall? Am I supposed to accept Farmers' settlement offer to cosmetically cover up, conceal and hide the mold?

I don't want to do that.

I don't want other families to get sick like my son is:

EXIT OCWEN, ENTER FARMER'S INSURANCE

OCWEN finally stops blocking my autistic son's three surgeries by removing optional remarks that they knew drastically lowered my credit score. 

On the same day FARMERS INSURANCE picks up the bat and tells me they will not remove any mold the Shadowbrook HOA caused, that the settlement offer is a bag of wood chips for the massive amount of water damage, the rust, well established mold colonies where plants drowned from the over water that lasted ten years and all through the California drought, the rusting of the safety gate that protects my autistic son from getting hit by a car, water damage on the stucco and permanent water stains on the concrete outside. 

FARMERS' settlement offer included a piece of drywall to hide the toxic mold colonies inside our home. FARMERS went on to say the size of the drywall was to be determined, as if that was a very gracious offer they were making by sealing us in a moldy tomb with cheap cosmetic cover-ups. Wood chips to hide the water damage surrounding our house. 

What if your doctor offered to hide your cancer instead of treating it? What if your doctor offered you some cheap cosmetic stuff to help you conceal your cancer from people? That is what the Farmers' settlement offer felt like....like it was ok for my son to die in a house filled with and surrounded by a toxic strains of mold because FARMERS' cosmetic fix would hide the cause of death from view.

James must come home from surgery three times to inhale spores from active colonies of mold FARMERS INSURANCE adamantly told me on September 16, while I was in urgent care with my very ill son, trying to listen to his doctor, that Farmers Insurance will not remediate the mold. Farmers called twice while I was in urgent care with James. They were eager to tell me the "good news" of the bag of wood chips and piece of drywall "settlement offer". I repeatedly told them we were in urgent care. Obviously their good news could not wait.

OCWEN, after 7 months, put down the bat and stopped manipulating my credit score.

My credit score shot up 68 points as the score lowering comments OCWEN had posted in the optional remarks section of my credit reports were removed. 

My scores will go up more as all the remarks are removed from 4 reporting agencies, Equifax, TransUnion, Experion, and Innovis. It will average to approx a  90 point increase or more in less than a week. I fought 7 months for this Justice, with the help of the CFPB. 

OCWEN put down the bat and before I could sigh in relief, FARMERS INSURANCE picked up that bat on behalf of SHADOWBROOK ESTATES HOA and came at me. I'm getting another whooping. 

OCWEN CREDIT SCORE MANIPULATION ENDS, FARMERS INSURANCE AND SHADOWBROOK HOA STEP UP TO THE PLATE TO GIVE ME THEIR  SHARE OF ABUSE. 

(Not ONE hour of rest for me).

The very same day I received notice that this credit score manipulation battle was over, that OCWEN told me, the CFPB, the FTC, and the Dept of Justice, in writing that they would stand down and finally remove the score lowering comments that a week ago they defiantly declared they would NEVER REMOVE....that same day, before an hour could pass, FARMERS insurance called me twice while I was in urgent care with my son James....FARMERS called, eager to tell me the "good news" that they wanted to offer me "a settlement" (BEFORE  the cause of the mold was determined) and instead of removing the damaging sprinklers, they wanted to leave them in the ground where they could continue to leak and nourish the horrific amount of mold in our home. 

FARMERS INSURANCE was excited to have me know that instead of the first offered real solution of removing sprinklers and installing pavement in the narrow walk way, their new settlement offer was a bag of wood chips and a piece of dry wall. 

They threw in the piece of drywall because it's cheap and packed with excitement for the HOA, a loaded gun of a gift because it implies assumption of guilt for the mold that is INSIDE the house, the dangerous strain that could kill my autistic son James in his weakened state. A piece of drywall is a drama packed settlement offer, especially with the stipulations and strings attacked to the offer. FARMERS INSURANCE wants NO MOLD REMEDIATION, the sacred mold must remain intact inside the wall.

The newly gifted drywall is to be placed over the festering mold colonies even though it has not yet broken through the current drywall and is not visible yet, much like my son's recent lung infection treated in the emergency room was not visible to the naked eye. (Yes, I endured insurance men blustering that if you can't see it, it isn't there).

The HOA might have at least ten months of meetings about this subject alone. Is mold really there if you can't see it yet. Is cancer really cancer until it breaks through the skin? These people are driving us to the brink of madness with unbearable stress.

FARMERS INSURANCE wants to throw wood chips on the water damage and leave the troublesome sprinklers system which has often sprung leaks. (I have video tapes of the bursting pipes that keep bursting because they stand in mud.) FARMERS wants to leave things as they are so it can continue to keep that bed of mold alive and well. 

Keeping the fear alive is sort of a trademark of the Shadowbrook Homeowners Association and FARMERS INSURANCE is only too happy to keep that tradition alive. Actually solving the mold problem is too easy, not dramatic and no fun at all for the HOA. The drama is hurting me and my son. 
Why fix a problem when you can tinker with it for ten + years as the HOA has already. Replacing the moldy wood chips and fixing leak after leak as the years go by will be fun for the HOA.  I filmed the pipe that bursts three times. They just leave the mud and keep replacing the pipe over and over when it bursts. 

Leaving the water stains, rust, crumbling stucco and mold gives the HOA trophies to gaze upon each time they pass my house. They can have monthly meetings, perhaps 3 or more months each time I beg them to remove the smelly, moldy mess? 

And just think of how many times we might have to open the walls to see if the mold has come inside. 

Perhaps we could have an annual event like Christmas and Hanukkah an call it Moldypalusis Day. 

We can all meet once a year and dance around my mold infested house. I vote we have this holiday on GROUNDHOG DAY because it reminds me of that iconic film. 

Every year on MOLDYPALUSIS DAY, Mold Tech Services could stick a probe in the base board and declare what variety of mold has the largest colony that year. FARMERS likes trying to make humorous TV commercials. What is happening to us isn't funny.

What about my autistic son James? What about his health, his lung infections? 

James Marshall playing inches away from a large colony of toxic mold before we found out it was in the wall. James is autistic and has been sick since October 2015 with a mystery illness that makes him too tired to get out of bed. He has fainted multiple times.

 

OCWEN CLAIMS FCRA FORCES THEM TO MANIPULATE CREDIT SCORES

OCWEN is not required by FCRA to place a remark in the remark section of credit reports. That is OPTIONAL. OCWEN is misrepresenting FCRA by insinuating FCRA supports what OCWEN is doing. 

In fact, OCWEN can deliberately manipulate a customer's credit score by reporting the loan has a zero balance when that is not true, forcing the customer to "dispute" the untrue information. Then when the untrue info is removed by OCWEN, OCWEN can add in the remark section that there was a "dispute" and this comment will lower the score 30 points or more. Thus an OCWEN "error" gives OCWEN an opportunity or excuse to add a comment that will lower the clients credit score and make that client unable to refinance at the interest rate they deserve. OCWEN profits financially by making "errors" and then inserting in the optional comment section of clients credit reports that a "dispute" has been resolved. OCWEN knows that putting the word "dispute" in the OPTIONAL comment section dramatically lowers the credit score. OCWEN is guilty of deliberate manipulation of credit scores. Other creditors make errors and correct them when the dispute process brings attention to the error, but other creditors do not use the comment section of the credit report to try to profit financially from their own error like OCWEN began doing on my report after they threatened to reverse my 2010 loan modification. For seven months OCWEN began playing with the optional remarks section of my credit report, making my score go up and down like a yo yo. When caught doing this, OCWEN asked the CFPB to believe there is a law on the books requiring OCWEN to use punitive language in the OPTIONAL remarks section of my credit report. OCWEN maintains that FCRA requires OCWEN to mention in the optional remarks section of my credit report that there was a "previous dispute" (caused by blatant OCWEN error such as reporting my loan was paid in full by a mysterious stranger when it was not), OCWEN then blames FCRA for OCWEN placing a score lowering remark about a dispute OCWEN generated. OCWEN claims they are FORCED BY LAW, FORCED BY FCRA to profit financially from the errors OCWEN makes. 

I paid my loan on time for six years. OCWEN still managed to lower my credit score by reporting an error and then placing the word "dispute" in the comment section on my credit report, which all the bureaus informed me was the reason my score dramatically dropped. 

This is no accident. OCWEN has made a science out of credit score manipulation. OCWEN has discovered a way to financially harm and profit from a loan in perfect standing. Even if you pay your loan on time for six years, OCWEN can make your credit score plummet 30 to 90 points by placing comments in the optional remarks section of your credit reports that refer to "disputes" that were generated by OCWEN "errors". All OCWEN has to do is make a random error, then when the customer reports the error, OCWEN moves in for the kill by adding a score lowering comment to the report in the optional comment section and saying they are only obeying FCRA, that they are required by some mysterious no name law to lower credit scores this way and prevent their customers from being able to refinance and escape OCWEN'S financial prison system. Even loans with perfect payment history have no hope in the OCWEN system. OCWEN should be barred from serving loans due to credit score manipulation practices.

OCWEN QUOTES LAWS THAT DO NOT EXIST TO CON CFPB

OCWEN is making a false claim that it is required by law to place a punitive remark on credit reports of homeowners who received grants from KEEP YOUR HOME CALIFORNIA. 

The issue of a statement being true or false is not what my complaint addressed. OCWEN is attempting to convince the CFPB that the issue is whether or not a statement is true.

The issue OCWEN was asked to respond to concerns the remark section of credit reports not requiring by law that ANY remark be placed. It is optional to place a remark. 

OCWEN is deliberately using the optional remarks section to lower credits scores so customers cannot refinance at lower rates with other companies. 

OCWEN is abusing the optional remarks section of credit reports for OCWEN'S financial gain. OCWEN forces even customers who always pay on time to be stuck with higher interest rates. Other banks are not trapping their customers with these ploys. Just because a statement is true does not mean there is a law mandating that it must be tacked on to customer's credit reports. 

OCWEN has not cited the exact so call "law" that forces them to take punitive measures against homeowners with loans in perfect standing. OCWEN benefits financially by claiming there is a law forcing them to do this punitive action but OCWEN does not provide the law in question. 

OCWEN invents non-existent laws to get away with what amounts to financial crimes against home owners.

THE CALL FOR OCWEN TO BE BANNED FROM SERVICING LOANS IN THE USA

Ronald Faris, CEO of OCWEN 

CFPB Case number: 160821-000180 OCWEN SHOULD BE BANNED FROM LOAN SERVICING IN THE STATE OF CALIFORNIA AND IN THE UNITED STATES OF AMERICA

8-21-2016

 

What happened

Describe what happened so we can understand the issue...

OCWEN Loan Servicing LLP is violating my rights as a US Citizen. OCWEN began an all out attack on my loan in good standing after they posted $76,700 I was awarded by Keep Your Home California and $5000 HAMP incentive that I earned by never being late on my loan for six years. Stephanie Buls from the OCWEN Ombudsman office was so jovial when she told me that my name being removed from the loan was not the worst of it, that my assumption of the loan being reversed was not the worst of it, that reversing the loan modification of 2010 that was made when the loan was being serviced by ONE WEST was in the works. I refused to speak with Stephanie Buls after that conversation because she talked down to me and seemed as excited and joyful as a soccer fan as she relayed to me all the terrible things OCWEN was going to do to me. Her tone of voice was jovial, full of joy, excitement and passion, as if she was engaged in blood sport and really getting off on delivering bad news.

Reversing the loan modification of 2010 was put on the back burner when I reported the reversal of my loan assumption and my six year perfect payment history and that OCWEN was stealing Keep Your Home California money and HAMP incentive money that I as a home owner had applied for and earned by my perfect payment history.

The abnormal amount of time my "Probation" period lasted feels criminal and very punitive.

It also feels punitive, as if I am in some sort of debtor's prison that my six year perfect payment history only seemed to annoy OCWEN and make them try harder to find ways to punish me, lowering my credit score with an assortment of different "optional" remarks that carry hefty score lowering clout, causing my score to drop 90 to 30 points as soon as the optional remarks were added by OCWEN. Each time Ocwen would claim the remarks were "Mandatory" even though all the bureaus said they were completely "Optional" and each time the remarks were different.

Matthew Parker became my next point of contact in the Ocwen Ombudsman's office. In a soft spoken, serious voice he would send me on back to back wild goose chases to verify if the accusations he made against Transunion, then Equifax, then Transunion again were true or false. It was a great burden on me to write letters, make phone calls and check out the accusations and in each case what Matthew Parker claimed was caused by Equifax or Transunion was in fact caused by OCWEN. Mr. Parker would make serious accusations against Equifax, accusing them of changing the Transunion score. I told him that from now on he needed to put his accusations in writing. He did put in writing that OCWEN puts score lowering statements on MANY Ocwen accounts, remarks that are optional but OCWEN has made a mandatory internal policy to lower scores however they can. Mr. Parker told me many of the "errors" he corrected could "happen again" and he would fix them again. I contacted his supervisor and his supervisor's supervisor. The sheer number of times there have been "errors" on my account since February 2016 is proof that OCWEN is either the most incompetent organization on earth or engaging in criminal activity or perhaps both. I feel like I have been financially kidnapped by OCWEN and denied my Constitutional rights. OCWEN is engaging in a form of slavery. Even after OCWEN it told not to overturn loan mods, they started the process of overturning my 2010 loan modification. They only put the process on hold because Honda Finance told me to report OCWEN to the CFPB. They have indicated to me that it could happen in the future and that the assumption of the loan could be reversed again,my credit score could be messed up again by incorrect info reported by OCWEN. They threatened me by telling me every time I report them it to the Attorney General and the CFPB, it causes them to do things that harm my credit score, that it's my fault

Consent to publish the description of what happened? Consent provided 

Have you missed any mortgage payments or are you in default on your mortgage? Yes No

Is there a date scheduled for the foreclosure sale of your home?  

When is the scheduled foreclosure sale

Did you pay a company to help yoDesired resolution

What do you think would be a fair resolution to your issue?

At this point, due to the sheer number of repeat "errors", where OCWEN has kept my credit score low ever since they tried to reverse my 2010 Loan Modification and keep six years of payments I made on time, and keep my $5000 HAMP incentive and keep $76,700 Keep Your Home California dollars, taking me off my loan the minute they posted these funds to the account, at this point, I believe OCWEN should not be allowed to service loans in the State of California. I believe OCWEN should be banned from servicing loans period. If OCWEN'S excuse for reporting false information to the credit bureaus and attaching a variety of different score lowering "optional" remarks to my credit report, which no other creditor has ever done, OCWEN is making the defense: "We are incompetent, we only lowered Ms Marshall's score for six months, delaying her son's much needed surgery and home maintenance because we made back to back errors for six months because we can't help it." If OCWEN is like a drunk driver who "can't help killing people", they should lose their right to drive and go to jail for taking human lives. If OCWEN "accidentally" got richer and richer by having these "accidents", OCWEN needs to be shut down because that is the only way OCWEN is going to stop harming innocent homeowners who happen to be paying their loans on time but still get bludgeoned by OCWEN, driven to the limits of human endurance and laughed at by OCWEN as OCWEN informs them that it can and will get worse. OCWEN has violated me and my son. OCWEN has violated our rights as US Citizens. We are being held against our will in a surreal financial prison, a debtor's prison that does not bother to distinguish between people with perfect payment histories and people who miss payments. We are all the same to OCWEN. We are Ocwen's cattle. We are their "possessions" until they find a way to separate us from our property, our money, our HAMP rewards, our Keep Your Home California grants. OCWEN is a criminal organization and needs to be taken to trial as such. We cannot wage a war against Terrorism without including OCWEN in that war. Make no mistake, OCWEN is destroying lives. OCWEN pays the fines and jumps back in and picks up where it left off. The looming threat of reversing my 2010 Loan Modification and my loan assumption is proof of that. OCWEN informed me that they stopped these reversals "as a courtesy" to me....this so called "courtesy" occurred exactly when I first reported them to the CFPB. A class action against OCWEN needs to be launched to protect U S Citizens from this "accident prone" and "power drunk" criminal organization that has fed upon the housing crisis with the sole goal of obtaining obscene wealth for itself, laundering the money it steals from home owners and the programs such as HAMP and KYHC in the stock market. This "drunk driver" OCWEN has been slamming into us every week since February 2016. They probably started before than, but the first horrific wound I felt was in February when OCWEN began the frenetic chatter, the jovial predictions of my home loan being taken away from me and in the same letter where they congratulated me for earning the $5000 HAMP incentive for paying my loan on time for six year. "Congratulations, we're taking your loan, your money and the government awards and incentives you earned all these years. Oh? You reported us? Well, as a COURTSEY we are putting you back on the loan, for now. We can reverse the assumption again. We won't reverse the loan mod for now, but FYI, every time you report us you are making it worse for yourself. It makes us have to mess up your credit score....."

https://twitter.com/DameJEMarshall/status/767419502959194112

I am calling for OCWEN to be banned from doing business in the UNITED STATES OF AMERICA.

OCWEN THREATENED TO REVERSE MY 2010 LOAN MODIFICATION

In 2016 OCWEN began attacking my home loan even though I had paid on time the entire six years since I applied for and received a HAMP loan modification.

OCWEN posted the $5000 incentive I earned by never being late on my payments to my account and then removed my name from the account, reversed the assumption following divorce and locked me out of my online account where I make payments.

The OCWEN ombudsman laughed and told me it was about to get worse, that they were working on reversing the 2010 loan modification and that my name would never be on the loan, that my 6 years of payments, my $5000 HAMP award and my $76,700. Keep Your Home California award belonged to OCWEN, not me.

I reported OCWEN to the CFPB and Department of Justice and some of the blatantly illegal attacks stopped, such as the reversal of the 2010 Loan Modification. That attack was put on hold but replaced by smaller, back to back, nonstop attacks that lowered my credit score in spite of my perfect payment history.

I do not feel like a customer. I feel like an inmate in the prison of OCWEN. Once OCWEN starts attacking your loan, they never stop, even when they are reported for the attacks. They just change the attacks and keep at you. They know my autistic son James needs surgery and that by destroying my credit, they are delaying his surgery and making it possible he won't have a good outcome. 

I would refinance and escape the prison of OCWEN if they would stop deliberately lowering my credit score.

OCWEN STILL STOPPING MY SON'S SURGERY

gofundme.com/painfreeJames

I tried to borrow the money to help James but OCWEN LOAN SERVICING LLP continued to lower my credit score by reporting false information to the credit bureaus from February 2016 until now, August 2016. I reported OCWEN to the CFPB and the Department of Justice. I'm restarting this Go Fund Me for James because his suffering is intense and OCWEN may continue crippling us financially for many more months to come.. 
Please help James get his first dental surgery. He needs many root canals. 
Thank you, friends.

OCWEN LOAN SERVICING LLP IS NOT AFRAID OF THE CFPB AND THE DOJ

CFPB Case number: 160819-000004

Related Case Number:

 

What happened

Describe what happened so we can understand the issue...

Ocwen Loan Servicing LLP reported to the CFPB that they had corrected the false data that they were reporting to the credit bureaus. Today INNOVIS told me that OCWEN is still reporting to them that my loan has a zero balance, that my account is closed and my loan was assumed by another party. INNOVIS is sending me proof of this in writing. I had called INNOVIS to see if OCWEN had also added the harmful statement that lowers my credit score, the statement OCWEN is refusing to remove from the other credit bureaus and insists it MUST tack on to my reports even though it lowers my score. INNOVIS stated that OCWEN has a different negative statement posted in the remarks section on INNOVIS: "Account previously in dispute. Investigation complete." Each time OCWEN puts a damaging statement on my credit reports, it lowers my score. OCWEN has been putting damaging, score lowering statement on my credit reports ever since they first took my name off my loan, locked me out of my account and tried to steal the $76,700 Keep Your Home California Funds and the $5000 HAMP incentive that I earned by never being late on a payment for six years. OCWEN threated to reverse the 2010 loan modification but stopped after I began reporting them to the CFPB and the Department of Justice. OCWEN reluctantly put my name back on the loan but has been overwhelming me by posting a constant stream of false information of false information on my credit reports and by posting back to back negative comments that lower my score. I believe OCWEN is trying to wear me down and that their ultimate goal is to try to steal my property and all the money that I and Keep Your Home California have put into the loan. The pattern of abuse is well established and ongoing. Even as OCWEN tells the CFPB that they have correct the "errors", they are launching new "errors" simultaneously. I am never allowed to rest and relax. I have to fight to save my loan, my home, my credit score every week or OCWEN will gain ground and find a way to create so much confusion that they are able to steal my property. I believe this is how they operate. They bury the homeowner alive in a nonstop stream of errors and then strike with such speed that they homeowner cannot stop the loss of their home. They are doing this to a loan in good standing. I believe they cheated me out of many years of my perfect payment history being reported to the bureaus by wrongfully denying my many requests to assume the loan. Six years is TOO LONG a time to pay a loan and not be allowed to assume it. Ocwen is posting DIFFERENT negative remarks on different credit bureaus and claiming that it MUST post those remarks. I believe they are only posting negative remarks so they can control my credit score so that they will profit financially. They are treating customers like slaves, trapping customers by forcing their credit scores down with unnecessary, negative comments. I believe OCWEN is largely a criminal organization that should not be allowed to do business in the United States of America. OCWEN seems undaunted by being reported to the CFPB and the Department of Justice. It is clear that OCWEN believes it is like the "Teflon Don", that nothing will stick, the OCWEN is above the law and can make a mockery out of being reported to the CFPB from hurting homeowners who always pay on time. OCWEN is harming me MORE since I reported them, not less. Some of the OCWEN ombudsmen are jovial about the hell they are putting me and my son through. I have been told that each time I report them, it only hurts my credit score me, that it doesn't hurt OCWEN. Since that remark, OCWEN has stepped up the pace and ruined my credit score faster and more often. None of my other creditors have EVER behaved this badly. I believe OCWEN is committing a crime against me. There is a clear pattern of abuse here.

Consent to publish the description of what happened? Consent provided 

Which part of the mortgage process is your issue related to?

Applying for the loan

Receiving a credit offer

Signing the agreement

Making payments

Problems when you are unable to pay

Are you concerned about losing your home to foreclosure? Yes No

Have you missed any mortgage payments or are you in default on your mortgage? Yes No

Is there a date scheduled for the foreclosure sale of your home?  

When is the scheduled foreclosure sale?  

Did you pay a company to help you avoid foreclosure? Yes No

This is about Conventional adjustable mortgage (ARM) 

 

Do you believe the issue involves discrimination? Yes No

On the basis of

Age

Marital status

National origin

Race

Receipt of public assistance

Religion

Desired resolution

What do you think would be a fair resolution to your issue?

I want OCWEN to report the truth to Innovis and the other bureaus. I want OCWEN to stop putting remarks on my credit reports since their remarks always drastically lower the credit score and are NOT mandatory. OCWEN is committing crimes. I would like OCWEN to be prosecuted to the full extent of the law. OCWEN is no better than the mob and should not be allowed to terrorize US Citizens as if they were untouchable pirates. I think the government should prosecute OCWEN and shut down this criminal organization that is bullying US Citizens and treated us like servants even when we pay our bills on time. No creditor has the right to treat us this way. I would like OCWEN to be banned from placing ANY "optional" remarks on credit reports because it is clear they are doing so to manipulate credit scores, to enslave their customers by making them unable to refinance to escape the hell that is OCWEN. I do not feel like a "customer". I feel like I am in a prison named OCWEN, that I am a prisoner. The boldness of OCWEN taking my name off the loan right after posting the funds I applied for from Keep Your Home California goes to show how unafraid of the government OCWEN is. OCWEN is totally fearless. OCWEN does not have customers, OCWEN owns slaves and treats those slaves with the utmost disrespect and disregard. I would like this to end. I would like my government to rescue me from OCWEN. I am being hurt for doing my job well, for paying all my bills on time. OCWEN makes it very clear that they are not impressed if you pay your bills on time. They don't want you to feel good about that. They don't want homeowners to feel good, to feel safe, to feel at home in their own homes. OCWEN will knock you for a loop and turn your life into a living hell just because they can. I would like to see this stop. Please sue OCWEN for using the remarks section of credit reports as a tool to keep loans in good standing down as if they didn't have a perfect payment history. You can pay your loan on time for six years and OCWEN will still find ways to keep you crippled financially. The jovial OCWEN employee was giddy about what was coming next for me, the reversing of the loan modification of 2010 and would have gone through with it and buried the evidence by "losing" documents after they made me and my autistic son homeless if I had not immediately contacted the CFPB and the Department of Justice. OCWEN is a dangerous, criminal organization. Once they start in on you, they never stop. They have not let up on me since they tried to steal my home in February 2016.

 

OCWEN RELENTLESSLY ATTACKS HOME LOAN IN SPITE OF PERFECT PAYMENT HISTORY

CFPB Case number: 160818-000007

WHAT HAPPENED 

Describe what happened so we can understand the issue... 

OCWEN has added a statement to my credit reports which lowered by credit score. Rita Jacobs of Transunion told me that the statement OCWEN placed on my credit report substantially lowered my score. Ms. Jacobs also informed me that the remark was OPTIONAL, that OCWEN did not have a legal obligation to put the damaging comment on my reports.

My credit score did not return to where it was before OCWEN removed my home loan from the credit bureaus because when OCWEN returned my home loan to the credit bureaus, OCWEN chose to add a statement in the "REMARKS" section of my credit report that lowered my score. All of the credit bureaus have informed me that "REMARKS" are optional, that OCWEN is not "required" to make a remark on my report. Previously OCWEN has put varying remarks on my credit report which also lowered my score and then raised my score when they removed the remarks.

OCWEN sent me an email today written by Matthew Parker and Collin Hoffman stating that this time they would leave the remark on my credit report. They are aware that leaving this remark on my report is not allowing the credit score to return to "VERY GOOD" and is keeping my score low.

OCWEN indicated that if they remove the remark from my report, it would not be fair to all the other OCWEN customers who have that remark on their credit reports. If other OCWEN customers are also being damaged financially by a remark that is "OPTIONAL", then perhaps a class action law suit against OCWEN is the only solution to this injustice.

OCWEN is doing harm to customers by choice, not because it is required by law. OCWEN profits financially by causing it's customers to have lower credit scores, making it next to impossible for OCWEN customers to refinance as escape the tyranny OCWEN subjects it's customers to, even customer's who's loan has been in good standing for six years.

OCWEN is legally allowed to leave the "REMARKS" section blank. OCWEN customers would have more accurate credit reports if OCWEN would stop putting damaging remarks on the credit reports of it's customers.

Since OCWEN has placed so many different kinds of damaging comments on my report and then removed them, I am requesting that they stop this hurtful process and just leave the remark section blank as they are legally allowed to.

OCWEN has hurt me financially since the day they received the $76,700.00 Keep Your Home California Funds and the $5000.00 HAMP incentive that I earned by never being late on a payment, never missing a payment for six years. OCWEN has been damaging me financially since February 2016. This "REMARK" on my credit report is just a continuation of this process of damaging me financially that OCWEN seems determined to keep up. Each time OCWEN makes a correction, they change something else, make a new change which also causes financial harm. This process has been horribly painful for me to endure. OCWEN seems to enjoy the process. OCWEN removed this REMARK previously. Matthew Parker of OCWEN had the statement removed months ago. Now he is maintaining that he cannot remove it even though all the credit bureaus confirmed that it was OPTIONAL. I believe the number of times that harmful things OCWEN has done to my family since February 2016 establishes a well documented pattern of abuse. It is clear that my loan in good standing has been under attack since February 2016. Each and every time that OCWEN has made a correction, within days they created a new crisis for me to endure. They are very aware that if they had not started this process, my son would have had his dental surgeries by now, that the financial game they are playing is causing him many added months of agony because they have crippled me financially without cause.

Consent to publish the description of what happened?Consent provided  

Which part of the mortgage process is your issue related to?

Applying for the loan 

Receiving a credit offer 

Signing the agreement 

Making payments 

Problems when you are unable to pay 

Are you concerned about losing your home to foreclosure? Yes No

 

 

This is about Conventional adjustable mortgage (ARM)  

  

Do you believe the issue involves discrimination? Yes No

On the basis of

Age 

Marital status 

National origin 

Race 

Receipt of public assistance 

Religion 

Sex 

DESIRED RESOLUTION 

What do you think would be a fair resolution to your issue? 

I think OCWEN should remove this most recent REMARK from my credit reports since it is "optional" and has prevented my score from returning to "VERY GOOD", which is where it was right before they removed my home loan from my credit reports. The remark was listed as one of the reasons my score dropped. The other reason was that OCWEN only reported two months instead of the entire year of 2016 payments.

Since OCWEN has indicated that they are using this REMARK section to lower other OCWEN customer's score, not just mine, I would like to see a class action lawsuit address this very distressing action OCWEN has chosen to make a policy. OCWEN stands to profit financially by taking actions, making arbitrary policy that allows it to lower the credit scores of it's customers, making it hard to OCWEN customers to refinance and escape the relentless stress OCWEN heaps upon it's customers, even customers with loans in good standing. OCWEN employees have even acted shamelessly giddy, laughing as if the bad news they were telling me was FUN to tell. I am referring to the time OCWEN informed me they had removed my name from my loan, that I would NEVER get back any of the six years of money I had invested in my home, that the $5000 HAMP incentive and the Keep Your Home California money was OCWENS and I would NEVER get my name back on the loan. The hell OCWEN has put me through has been ongoing, unrelenting. This REMARK that is optional is just the latest in a long line of unnecessary attacks on me and my autistic son James. The pattern of abuse by OCWEN is clearly established and it is ongoing. I would like OCWEN to refrain from putting REMARKS on me credit reports. They have no legal obligation to place a remark on me reports. If the CFPB needs me to testify in a class action, I will be happy to do so.