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.

 

OCWEN OMBUDSMEN ASKED TO PUT IT IN WRITING

There is a famous scene in the movie CHINATOWN where Faye Dunaway gets bitch slapped by Jack Nicholson over and over.

OCWEN has been talking trash to me since February 2016. It is August 2016. Last week I felt ill from the overload of OCWEN'S blaming TRANSUNION the way they had accused EQUIFAX weeks before that. With OCWEN, it is ALWAYS someone else's fault that my credit score suddenly dropped from very good to poor, keeping me financially crippled in spite of my perfect payment history.

OCWEN does not bother to keep up with the wild, untrue stories they dump on homeowners to sort out. OCWEN abandons a lie they told for weeks, tells an new lie and never bothers to explain the previous lie. When caught in a lie, OCWEN shifts to the next lie and completely sidesteps the lie they were caught in.

OCWEN expects to keep me engaged, keep me doing research to prove their wild, fanciful tales about how everyone in the world is causing this except OCWEN.

I have disengaged by sending OCWEN this email:

Ocwen Matthew Parker 7192374218
Ocwen Ombudsman

From now on submit any updates you may have regarding TransUnion via email.

All requests OCWEN claims are being made by TransUnion need to be fully
documented with employee ID numbers, last names and contact numbers. 

Since I sent this email on August 4, 2016, there have been no updates from OCWEN.

I knew OCWEN would not put the updates they were giving me verbally in written format.

I have no idea what is going on with my OCWEN account.

I am consulting with attorneys to resolve this matter.
My health has improved somewhat since I banned trash talk from OCWEN.

It appears that OCWEN has a policy of bitch slapping the elderly and the disabled, winning property and money by contributing to the expedited death of homeowners via heaping non-stop stress upon them.



 

OCWEN STOPS BLAIMING EQUIFAX AND BLAMES TRANSUNION

Who is telling the truth?  

Case number: 160801-002293

Back

WHAT HAPPENED 

Product Credit reporting 

Issue Incorrect information on credit report: Account status 

Have you disputed the issue with the credit reporting company and received a final response? Yes No

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

TransUnion will not report my perfect payment history of my OCWEN home loan, according to Matthew Parker of OCWEN, until a mysterious TRANSUNION employee named "Melissa" refuses to let OCWEN reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to OCWEN and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report.
I have called TransUnion many times since Matthew Parker of OCWEN told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both OCWEN and TRANSUNION.
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I don't know if there is a MELISSA. Both Ocwen and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, OCWEN is making serious false accusations.

Consent to publish the description of what happened?Consent provided 

PRODUCT INFORMATION 

Information about the credit reporting company

TransUnion 

United States 

DESIRED RESOLUTION 

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

I want the true and correct information to show on my credit report. I pay my home loan on time. I deserve to have that showing on my credit reports