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
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.
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