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
Desired 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.
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