EQUIFAX EXECUTIVE SAYS IT LOOKS LIKE OCWEN DOES NOT WANT MY LOAN ON MY CREDIT REPORTS

Response to Equifax concern Ocwen on CFPB complaint:

Yesterday I initiated a three way phone call with Ocwen and Equifax to speed up the resolving of this matter since my autistic son James’ health is being harmed by the delay. Ocwen did not seem to understand why their attempts to put my home loan back on Equifax was failing.

During the three way call I told them what I had found the day before when speaking with other Equifax employees: it was the WAY Ocwen had removed my loan that was so dramatic and confusing and within the context of  Equifax dispute number ******7596, a normal dispute where I had simply asked if ALL of my payment history could show from the date of the loan modification in July 1, 2010. 

The resolution would also have to be WITHIN that dispute, using that Equifax dispute number. Equifax had no way of knowing that the vicious action by OCWEN was only one of many shocking actions being taken by OCWEN in March-April 2016. Equifax was only privy to the context of OCWEN responding to my dispute.

These are things Equifax had no knowledge of: In February 2016 OCWEN had just received $5000 applied to the principal of my home loan from HAMP incentive because I had never missed or been late on a payment. In February Ocwen also posted to my account a $76,700.00 KEEP YOUR HOME CALIFORNIA award that I had been qualified for and granted.

After accepting these funds, OCWEN took my name off my loan, bank owned the property and pulled my perfect payment history from Equifax, TransUnion and Experion. I complained about OCWEN’S action to the CFPB, the FBI Los Angeles Office, the California Attorney General, The Department of Justice and open a blog to write to the CEO of Ocwen, https://myOcwenLoan.blogspot.com. I reported the incident to the SEC because OCWEN  might invest the money they took from me and the government programs who had helped me.

Ocwen rescinded the bank owned status and promised me they would put my name back on the loan and report again to the credit bureaus that I had paid my home loan on time and was never late on a payment. 

I researched and made many phone calls because Ocwen seemed satisfied that they had TRIED yet failed to transmit to Equifax and it must be Equifax’s fault that it was not showing like it was on Experion and TransUnion. I told Ocwen something was obviously wrong and I would find out since they wouldn’t try.

I found out, after many phone calls, that it was indeed, as I suspected, THE WAY Ocwen yanked the loan from Equifax. Again, Ocwen did it within the context of a simple complaint/dispute I made with Equifax asking if my WHOLE six year payment history could show instead of just three months. It appeared to Equifax that Ocwen’s response was extremely harsh to this every day question….pulling a trade line and blocking it as a response to a request to have more history shown seemed brutal. Equifax had no way to know just how brutal an ordeal Ocwen was actually putting us through. 

When Ocwen bank owned our home in spite of my perfect payment history, I had a sudden eye sight problem and felt very ill. This was why on several occasions I requested to dictate my complaint to the CFPB and other agencies. I could not see well and I was making the complaint from my bed after taking an aspirin, praying that I was not having a stroke because I am the only care-provider for my autistic son James. I am still experiencing a high volume of floaters and my vision dims, blurs and I experience flashes of light when I move from a lighted room to a darker room. The shock of having my home “bank owned” when my loan was in good standing caused something to happen to my eyes. I have been so busy saving my home, trying to restore my credit so I can get a loan for my son’s four surgeries that I have not been able to set up my doctor appointment to see if my eye condition is permanent or if it will go away in time. My son is bedridden and in pain. Too many things are happening to us at once. This has become a life and death situation for us.

Yesterday during the three way call, Ocwen was told, by Equifax, to write and fax a letter stating: “I certify the information being requested for reinsertion is complete and accurate”, signed by the appropriate person and Ocwen and including the Equifax dispute number that Ocwen used when they pulled my loan from Equifax on March 30, 2016 in response to my request to have MORE of my perfect payment history showing on March 17, 2016. For some reason OCWEN chose not to do what Equifax requested, prompting Equifax's executive officer Ms. Martin to say to me that it looked like OCWEN simply did not want my home loan on my credit report.

 

 

 

 

MR FARIS, CEO OF OCWEN COMPLETELY IGNORES PLEAS TO STOP HURTING JAMES

Note: Mr. Faris, CEO of OCWEN completely ignored this plea for OCWEN to stop hurting James. Not only did Mr. Faris not make OCWEN speed up it's reinstatement of our good credit, he allowed his employees to remove my credit history from the credit bureaus again and again, each time claiming it was just another "accident".

 

MR FARIS, PLEASE HELP JAMES WHILE OCWEN RESTORES OUR CREDIT

 

 

 

 

 

 

 

Dear Mr. Ronald Faris / CEO of OCWEN,

James is in a great deal of pain. OCWEN has caused a delay in my ability to get a loan to pay for his treatment.

I've opened this site to help James while OCWEN restores our credit history:

gofundme.com/painfreeJames

For some reason OCWEN has trouble restoring a homeowner's perfect payment history after they remove it from the credit bureaus. They give the homeowner letters to "show to the bureaus", which is ineffective and not a legal, professional way to restore reporting of credit data. Regardless of how many times OCWEN is told that the credit bureaus say they cannot use these letters OCWEN provides homeowners to restore removed data, OCWEN keeps pressuring  the homeowner to keep trying to restore their own credit trade line reports. 

Mr. Faris, could OCWEN help James instead of pushing him into a possibly fatal downward spiral? Thank you for considering helping James.

OCWEN RESCINDS BANK OWNED STATUS BUT ONLY "AS A COURTESY"

"OCWEN took advantage of borrowers at every stage of the process", 
                        ~ Richard Cordray, Director of the federal Consumer Financial Protection Bureau.

Funerary Genius by Frederic-Auguste Bartholdi,

creator of The Statue of Liberty

On Friday, April 15, 2016 OCWEN called and verbally informed me that they were putting my name back on the loan and would remove the block and begin reporting my perfect payment history to Transunion, Equifax and Experion. This will not undo the damage done immediately, but it is a step in that direction. Some of the damage cannot be removed.

An attorney emailed public property documents that showed that OCWEN did not just threaten to remove my name from my loan and make it a bank owned property, OCWEN swiftly, in a matter of hours, changed a loan in good standing with a perfect payment history, a loan that had just received the $5000. HAMP incentive because of that perfect payment history and $76,700.00 payment from KYHC (Keep Your Home California)....in a matter of hours OCWEN actually made this loan in good standing a bank owned property. OCWEN took my house, and all the money the government paid towards the loan to help me keep the hour, OCWEN took my name off the loan and destroyed my credit.

On Friday OCWEN called to tell me they had rescinded calling the loan due and the property was no longer bank owned, it was back in my name...but this was done "as a courtesy".

When your name is put back on your home loan "as a courtesy", this means it can be yanked away from you again, at any moment, without warning and you will lose all the money you are putting into it each month, as well as the HAMP and Hardest Hit Funds / KYHC money, that Federal money can also disappear into the OCWEN empire in a matter of hours if someone in OCWEN decides to do this again. 

My request to settle this matter included a 2% HARP refinance and the removal of the upside down portion remaining on the loan. OCWEN told me they are consulting with a company they purchased, HOMEWARD RESIDENTIAL. 

Perhaps if a 2% HARP refinance is done, it will take care of the ever-looming threat that even if you pay your home loan on time for six years and receive a HAMP award for your perfect record, OCWEN can still, in a matter of hours, take your home away from you and destroy your credit rating.

There isn't much choice in refinancing because OCWEN did such damage to my credit score that no lender will touch me. I have to go with a lender that OCWEN owns, HOMEWARD RESIDENTIAL.

I put the "Go Fund Me" fundraiser on hold while this refinance is being negotiated. It may not be necessary to hire an attorney if this refinance happens and the threat of having my home taken away from me even when I am making payments on time is removed by this refi.

How are we feeling? My autistic son had a very sad look on his face Friday (April 15. 2016) morning. 

On Friday people kept telling me my voice was very faint. I had a sudden change in my vision around Thursday (April 14, 2016). I started experiencing flashes of light when I went from a well lighted room to a dark room. I notice it at night. I took aspirin to prevent a heart attack/stroke and rested this weekend. I will see an eye doctor about it. 

James, my autistic son has a stress test on Monday at UCLA. He has cheered up some since the terrible slew of upsetting phone calls from OCWEN stopped. The past week all I did was work on trying to save our home...which was hard to do while I was taking James to his doctor appointments and trying to keep him from getting stressed by what was happening. 

Without any warning and with our loan in good standing, my son and I lost our home for almost a week. It was impossible to hide the frenzy and horror from James. When he was too sick to get out of bed, he could hear me on the phone all day trying to save our home. When he as able to get out of bed he stood beside me at the fax machine.

He watched me fax documents for days. He had a few days where he was well enough to get out of bed and wanted to go outside but mostly he ended up watching mommy fax documents and make phone calls to the FBI, SEC, CFPB, HPF and other agencies that might be able to help us get our home back.

When you get your home back "as a courtesy", you don't feel safe. You feel like this:

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TIME FOR A COMMERCIAL BREAK. JET.COM CAN'T COMPETE WITH OCWEN WHEN IT COMES TO EXPLODING HEADS

Time for a commercial break. Jet.com's exploding heads seems like the right commercial for half-time entertainment is a disaster brought to you by OCWEN. No body explodes heads as frequently as OCWEN does. And it does feel like Ocwen is playing a game....kinda like when the Romans threw people in to arenas and watched lions tear them limb from limb.

Today's OCWEN Update:

I'm able to login and pay my loan again. The mystery of why I was locked out has been solved. Ocwen admitted today that they had changed my username without telling me. This is a pattern with OCWEN. They make serious changes without communicating BEFORE they make the change. Other businesses send you an email telling you the reason why they need you to change your log in information. They don't just change it and leave you scrambling to figure out what happened.

So far the attorneys I have consulted all say OCWEN should not have reversed my assumption of the loan, that OCWEN is wrong and would probably back down if taken to court. This is not what my autistic son needs to be going through now.

Ocwen also talked to me today, not about solving the the mess they made when they removed my name from the loan, but about offering me a "recast" so I can pay $59,833.78 interest instead of $18,300.05 interest over the remaining life of the loan. They still do not want to put my name on the loan that I am paying. I rejected the offer to astronomically increase my interest. They began confusing that with the Keep Your Home California payment made in February, $76,700.00 applied to the principal of the loan, acting as if I was saying I was rejecting that help that I had accept from KYHC. No, no,  Ocwen, do not rip that up like you ripped up the assumption. I asked them not to make any rash action without sending me something in writing to confirm we are talking about the same thing. They jumped around today.

Ocwen has a global reputation for being "scattered". They create problems back to back. There is always someone at Ocwen undoing something another Ocwen employee is doing. After appalling damages and reversals of progress, Ocwen dismisses the carnage by simply stating, "We found our mistake and corrected it." Allowing someone to assume a loan and pay it and get $76,700.00 applied to that loan and then telling the person the assumption has been whimsically reversed is beyond the scope of finding a boo-boo and fixing it. Punitive damages are in order. Measures need to be put in place to derail this nonstop boo-boo train. The inmates are running the prison. It's not ok to say "Ooops" and skip off merrily to the next life destroying mistake.

Today's shocking revelation from Ocwen is that they no longer blame ONE WEST BANK for not telling them about the Chapter 7. They admit they knew about the Chapter 7 in 2014...which is pretty "cave man days" since it has been a matter of public record for all to see since 2007. And bottom line, no matter when they "discovered" how to access public records, it does not justify the reversal of the assumption and the wrecking of a loan in good standing.

OCWEN has changed their story several times as to who's fault it was that they did not notice a Chapter 7 that happened in 2007 before the divorce. My ex-husband did not do a "reaffirmation" and that is the reason they state that they had a change of heart and reversed my assumption of the loan.
Several attorneys have informed me that this does not make sense, that in California it usually does not work the way OCWEN says it must. Ocwen's understanding of the law seems very sketchy and yet they take sweeping actions with deadly consequences at the drop of a hat. They reason that if the action turns out to be a mistake, it is "solved" with one easy statement, "Opps." I feel like my loan is being managed by sulky 13 year old teenagers and foreign exchange students.

OCWEN tried today to confuse the Keep Your Home California $76,700.00 payment with the HAMP recast offer and almost made yet another tremendous, sweeping mistake today. Saying verbally that I do not want the HAMP recast, which they insisted that I DID want is not the same thing as applying for assistance from KYHC...which I did IN WRITING....unless you are Ocwen and need to make ANOTHER big mess.....as if reversing an assumption of the loan was not enough of an "April Fools" punch in the gut. Today OCWEN admitted that the paper that I didn't sign never got sent to me to sign. The KYHC funds were posted to my loan in February 2016. Today, April 14, 2016 Matthew Parker was telling me that they should have sent me something to sign so they could accept the funds that they already accepted or, he seemed to be saying that they might have to reverse accepting the funds just like they reversed the assumption, destroyed my credit...and all because, again, it was their little "opps", "mistake" forgot to mail the form. (Do I hear heads exploding?)

It truly is something new every day with OCWEN. Some days it is three or four new mistakes brewing in OCWEN. It is very difficult to work with people who seem to have attention deficit disorder. You put one fire out and they are off somewhere starting three more.

Tomorrow OCWEN is calling at 8:00am AGAIN to have the business meeting we were supposed to have today at 8:00 am but talked about my refusal to accept the predatory recast instead. Today's meeting that was supposed to be about refinance as a solution but devolved into a bait and switch operation with Ocwen telling they thought I already agreed to an insanely high interest HAMP recast. When I said no to that, they said I was saying no to something else, because without telling me, OCWEN again changed the subject. Here is the crazy interest they tried to get me to agree to this morning:

Top this, Jet.com !!! Nobody explodes head like predatory Ocwen does:

I have asked for a 2% HARP refinance putting my name back on the loan as a possible solution to reverse the damage OCWEN has done to a loan in good standing. Ocwen's Matthew Parker is going to talk to Homeward Residential about making this happen and I'm sure at tomorrow's meeting he'll try to get me to buy some swamp-land instead. I'm  also sure that Homeward Residential will say it can't be done because of the damage OCWEN has done to my credit score. And I'm sure I'll hear the OCWEN MOTTO, "There is nothing we can do."

~ TO BE CONTINUED ~

THIS IS THE LAST THING MY AUTISTIC SON NEEDS AT A TIME LIKE THIS

This is the last thing my autistic son needs now. It's time to focus on helping him recover, heal, restore....but out of the blue OCWEN attacked our home loan that was in good standing. We could end up homeless at the rate this uncalled for destruction is happening. So now the priority has shifted from arranging surgeries to saving our home. I hope this resolves quickly.

If you know of a super attorney who has experience with litigation with OCWEN, please visit me on twitter and introduce me.

Thank you ❤️

 

OCWEN THREATENS AUTISTIC BOY'S SECURITY WITH HALF-BAKED UNDERSTANDING OF THE LAW

                 

OCWEN has moved so swiftly to take our home away from us in spite of my perfect payment history with them.

My autistic son James and I are in danger of losing our home.

 I'm a single mom, paid my OCWEN home loan on time every month for six years, since the loan mod 7-1-2010. I assumed the loan that had been in my ex husband's name on December 2015.

In February  2016 I was congratulated by OCWEN for paying the HAMP loan mod on time for six years and given the $5000 HAMP incentive.

In February 2016 I was congratulated again by KEEP YOUR HOME CALIFORNIA and they paid OCWEN $76,700.00 to lower the principal.

Last week OCWEN reversed the assumption, took my name off the loan, shut me out of the website where I pay the loan each month. They said they were going to reverse the 2010 loan mod as well but DEUTSCHE BANK who is the trustee said that probably couldn't happen. I opened a case with the CFPB and they told me to call Home Ownership Preservation Foundation and open a case with them as well. In a few days OCWEN destroyed my credit score and done so much damage its hard to digest. I had been on the verge of getting a personal loan to pay for dental surgery for my autistic son but OCWEN destroyed my credit score in a matter of hours by removing my perfect payment history from all the credit bureaus.

I spoke with a law firm as recommended by HOPE and HPF. HFF listened in to the advice an attorney gave to get OCWEN TO give back access to my OCWEN website or else I should attempt to pay the OCWEN loan by phone and retain an attorney. A lawsuit will stress my autistic son but OCWEN is moving so swiftly that something irreversible might happen if I don't I have legal protection from all these rash destructive actions OCWEN is fitfully acting out.

I wrote an open letter to OCWEN CEO  Mr Ronald M. Feris at:
myocwenloan.blogspot.com
with details of this very rapidly moving nightmare.

My autistic son James Marshall has been very ill since October 2015 and this ordeal, going through the housing crisis we went through almost a decade ago all over again is disrupting his treatment and recovery.

We went through the housing crisis once and saved our home.  I was so happy when I was finally allowed to assume the loan. It meant I would be able to help my son. Ocwen destroyed that possiblity when in a matter of hours they reversed and erased my perfect payment history of the past six years. We are going through the housing crisis all over again and it might be that only a lawyer can stop this insanity if OCWEN does not restore what they have destroyed and stop all this random destruction that is not permissible simply because a chapter 7 happened nine years ago. Their lack of knowledge of the law is the cause of this nightmare. 

       

OCWEN WAGES WAR ON A LOAN IN GOOD STANDING

An attorney asked me if I could still access my OCWEN loan account to make my May 2016 home loan payment.

For several days now I have tried to log on and have not been able to. 

I was warned that OCWEN may attempt to block me from being able to pay my loan and that appears to be what is happening. I have a perfect payment history, six years paying on time, never late.

Today is April 13, 2016 and I have been warned that I may have difficulty getting OCWEN to accept my May 2016 payment.

Almost every day there is a new hostile and destructive action taken by OCWEN....on a loan that was in perfect standing.

Thank you, gentle readers, for going through this with us.

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