OCWEN FINANCIAL CORPORATION

2017-05-16

Lake Mary, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-16

Gateway National Recreation, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-16

Los Angeles, CA

Closing on a mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-16

Atl, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-16

Lake City, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-15

MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX , XXXX my car broke down major problem with engine I called Ocwen to let them know my XXXX payment would be late and I would have the money by XXXX XXXX , XXXX and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on XXXX XXXX , XXXX I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight XXXX XXXX by the XXXX of the month you are not late. I found out last week they reported me 30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on XXXX XXXX , XXXX XXXX & XXXX I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the Mass Attorney Generals office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for XXXX I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay XXXX and get it there by the XXXX if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.
Company Response: Closed with explanation

Timely Response

2017-05-15

San Mateo, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-15

Alamo, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-15

Girdwood, AK

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Simply put, we were " OCWENed ''. OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did. My bride and I were out of the country when OCWEN se nt us certified letters, notifying us the foreclosure they were pursuing. We never received those letters because how long they were in o ur PO Box , co nsequently those letters were returned ( which is on record ). But we did receive an eviction notice in XXXX , afte r O CWEN was actually successful with foreclosing on our home. Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us.
Company Response: Closed with explanation

Timely Response

2017-05-15

Coral Gables, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XXXX , I requested a revised Escrow History, because I cancel the old Home Ow ner Ins for {$3000.00} for new policy {$720.00}. On XXXX XXXX , I received a Escrow History Dated XXXX XXXX , XXXX , Upon reading I notice immediately that the amount were not correct. I call on XXXX XXXX spoke to representative in the escrow department. My " Old Mortgage Payments " {$950.00 } My NEW are {$680.00}. ( {$680.00} is compose of XXXX Escrow and XXXX P/i ) My argument is as of XXXX XXXX my escrow accumulated amount is {$2300.00}. My Property Ta xes are XXXX and Ins XXXX the total is {$2400.00}. I understand there need to be " cushion ''. So with XXXX pmt and XXXX pmt of XXXX each bring the total to {$2700.00}. Should be enough to satisfied this condition. As per the law, any financial company holding over {$50.00} in the escrow over the amount required must return it to the person making the mortgage payments. Then as I understand this situation, my XXXX payment should be {$480.00} since I have satisfied the escrow amounts. The property taxes will be due on XXXX XXXX , and the Insurance in XXXX . I want to pay these amount on my own. And hopefully refinance. Please help me correct this situation with Ocwen ( according the representative it will take over 45 days to correct, ) Mean while they are asking for the wrong amount for the mortgage. Even though I send the correct amount, I do not want to go into default. Thanking you in advance for your assistance in this matter, I remain grateful. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-05-15

Baltimore, MD

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-15

N Las Vegas, NV

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-05-15

Gloucester City, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-15

Hempstead, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: With great emphasis, I reiterate my need and legal right to see the copies the XXXX ( ones that was given ou t ) from XXXX - XXXX . I unwaveringly reject and disputed the validity that ( XXXX ) XXXX was the only XXXX given in the time frame of XXXX to XXXX scope in your XX/XX/XXXX CFPB response ( " In addition, XXXX forms will only be issued in the years where funds were received and there were there is interest to report '' ). The IRS does not requir e Ocwen to report the amount of Taxes paid " but '' New York State ( NYS ) d oes for income tax requirement " since you do operate within the state '' ; and this is a NYS Tax property issue, and New York is one of the states that you do service, and yet Ocwen fail to provide any Tax statements. Ocwen botched basic functions like good accounting and record retention policies for up to 20 years as required by regulatory best practices. This is a another shortcut ( with eleven communications and counting since XXXX XXXX ) to i nvestigate my compliant with runaround and false blanket statements, without fully disclosing the mistakes Ocwen made servicing my account with faulty information. When you find the errors on your information and ways - " Only XXXX '' XXXX vs " More '' XXXX symbolic to " Not In '' possession vs " In '' possession of Tax History prior to XXXX , ( when a fulfilling solution or delivery is put forth by Ocwen the end result is always holes in its solution or disappointment ) this is Ocwen ever-changing status or contradictions and failure to take accountability. How can anyone trust the integrity of Ocwen 's flip-flopping behavior? I am vetting your information you 've provided and finding many serious problems. I believe the IRS and NYS would disagree with your information - ( " only XXXX '' XXXX or XXXX ). I do not think you would get a confirm on this, as there are more XXXX . Your data is faulty between XXXX to XXXX , and it should be double verified from XXXX - XXXX ; and I am very disturb regarding XXXX to XXXX . I believe your system payment history is compromised and lacks the correct workflow feed to Tax history payout XXXX - XXXX . Thank you for your CFPB response dated XX/XX/XXXX case # XXXX . However, after carefully reviewing the letter several times this is obviously nothing less than a smear campaign to cover the struggles of my request and compliant. There are still several important issues that have yet to be addressed, and I have yet to hear an answer regarding the issues below. Please revisit your inaccurate and incomplete information carefully. THIS IS A FAIR REQUEST. 1. In correct and/or misleading info ( eg. " Not in possession of history '' ) - ever- changing status or several contradictions verbally and written, even within the Ombudsman offi ce ; 2. No communications from appropriate departments, persons, etc., and the being given the endless runaround we are now in XXXX XXXX ; 3. Failure to provide any accurate periodic statements detailing how tax charges applied ; 4. XXXX 's inability to tell the truth or to be transparency in the investigation ; 5 . The constant infliction of frustration by evasive tactics to confuse me ( the consumer ) -seemingly strategically deceptive and purposely confusing from XXXX to present ; 6. Volu minous and immaterial data and intricacies, all while engaging in a ceaseless and needless back-and-forth with XXXX from XXXX to present ; 7. Speaking of and making reference to prior servicers ' record retention policies - an action that should have never been resorted to in my estimation, as seen by the example in place by the regulatory body in the aftermath bad behavior by XXXX XX/XX/XXXX actions to XX/XX/XXXX XXXX XXXX . It seems like Ocwen has mishandled my account without full accuracy and completeness, overlooking vitals details ; 8. Resorting to " third party '' Tax history sources as a solution to my specify request, which makes it apparent that Ocwen will tell anything so just to make you go away ), because the " third party '' record does not show who paid the mortgage. This is typical Ocwens shortcut, and the information should come from its own proprietary management systems ; 9. Incorrect and delayed XXXX coupled with non-communication while connected to Ombudsman office, which disaster could of been avoided, contained or mitigated by filing my XXXX Income Tax ; **** Jus t on the aforementioned points alone, Ocwen should take responsibility and pay penalties for its manipulative behavi or. **** Ther e is also the issue of incorrect XXXX information. If XXXX XXXX XXXX ( Consumer Account Analy st ) would have returned any of communications ( voicemails, fax and email messages ), I strongly believe, as stated, that the disaster could of been avoided, contained or mitigated. By filing my XXXX Income Tax, that caused Tax problems with Ocwens inaccurate information on XXXX and the delayed after XXXX / XXXX / XXXX tax day. I had no knowledge of this unti l Ocwen 's CFPB letter of XXXX , and without filing my CFPB compliant I would not have any knowledge of this action, I have not received any notice from Ocwen 's Tax area or any other department regarding this major error. I tried persistently and diligently to contact XXXX XXXX XXXX only to encounter the same systemic and cultural misconduct ( circular and evasive tactics to confuse m e ). I have communicated eleven ( 11 ) times or more with four ( 4 ) departments and five months, but the result has been the same, even in Ocwen 's Consumer Ombudsman office. Truly, I expected better from the largest nonbank mortgage loan servicer - biggest does not mean better. Th e four ( 4 ) engaged department at Ocwen o Research Department o Consumers Advocate Department o HRD Mediation Team o Consumer 's Ombudsman Office There is also a bright line prohibition against servicers engaging in unfair, deceptive, and abusive acts and practices related to mortgage servicing activities. Several time s Ocwen retra cted their initial statements, and took no responsibility for the harm caused. This has been the case even in the Ombudsman office by managers. Furthermore, it warrants mentioning that, in my case, Ocwen has been engaging in the same behavior for which it was fined hundreds of millions of dollars in XX/XX/XXXX , along with other institutions such XXXX , XXXX XXXX XXXX , XXXX and other governing entities by the Independent Foreclosure Review ( IFR ). I also received a settlement from a class action suit in XXXX for this same extremely deceptive conduct, which is a flagrant violation of proper best practices, procedures and regulations. This is my third time having to filing with CFP B ( Big Brother ) f or help since XXXX . See below cases : XXXX XXXX Class Action Settlement - Ocwen 's violations on thousands of their customer accounts *** XXXX CFPB case # XXXX - XXXX 's Preemptive Foreclosures and Manipulations with the same as above included XXXX CFPB case # XXXX - Ocwen 's comingled customer accounts by breaking yet another violation this time " Privacy Act information ''. Ocwen has been a repeat offender with its practices and violations of regulatory standards and has not reformed. And yet, here we are again at this junction of time. Truly deja vu Significant damage has been done here. I have made multiple complaints of Ocwen 's deficiencies. The inaccurate information given by Ocwen when interacting with them ; and they have been logged and reflected in the event of my journal. How can a established corporation get away with this kind of communications? Ocwen 's policy handbook seems devoid of the definition of " escalation ''. Escalation Relationship Manager '' is apparently an empty title for are policy only, with no active proactive procedures to adequately resolve the complaint or escalate the call for investigation. Ocwen has also failed to send us any accurate periodic statements detailing how Tax charges were applied, leaving me in the proverbial dark ( to this current state issues ). This kind of treatment is belligerent. This is the 21st century and regulatory practices demand that the money trail be followed. This is a regulatory violation. Finally, am I the only customer with these Ocwen systemic violations, or are there any voices out there to say " Ocwen failed miserably to adequately investigate and respond to complaints? Without the strong arms of CFPB and FTC being vigilant, the playing field would be characterized by utterly unfair treatment of the consumer in dealing with big financial corporations like Ocwen. It would be unjust for XXXX XXXX , now XXXX XXXX XXXX , to have been penalized back then and for that reason, while Ocwens reckless and repeated bad behavior goes unpunished ( as they systematically and continually violate best practices regulations regarding complain ts ). T hese regulatory rules are designed to be fair for both companies and consumers. No Consumer should have to go through a nightmare like this. Ocwen continues to be defiant to remediate the problem, or in other words stop the bleeding it has caused with its behavior. I need accurate information for Tax Property Reduction & Disability Exemption data from XXXX - XXXX for XXXX XXXX ( her XXXX status for XXXX XXXX XXXX XXXX XXXX ). To move forward with this inaccurate, and incomplete information by Ocwen to the next level of Tax reduction and exemption without vetting the details would have been a huge embarrassment and catastrophic several times worse than the XXXX and regulatory practices failures all together.
Company Response: Closed with explanation

Timely Response

2017-05-15

North Hollywood, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I currently have a mortg age with a variable interest rate ( ARM ) serviced by OCWEN Loan Servicing, LLC, which happened to adjust around XXXX of XXXX increasing the total monthly payment amount by {$83.00} to {$3200.00}. Over the years on two separate occasions, Ive attempted loan modification thru OCWEN in hopes of a better fixed rate but to no avail. That said, in order to ensure my monthly obligation to OCWEN, I have an auto-pay setup thru XXXX XXXX XXXX . Unfort unately, due to an extensive travel schedule in XXXX and XXXX I was away from home for most of those months. Unfortunately, I was unaware of the increase and consequently my payments for XXXX , XXXX and XXXX were each short by {$83.00}. Once I became aware of the oversight, I IMMEDIATELY made a payment for the balance and brought my account current. Why wasnt I notified? Why did n't OCWEN notify me by phone that my account was approaching delinquency ( 30 Day s Late )? A tri vial {$83.00} short? Consequently, OCWEN reported to the credit bureaus for all three months as MISSED PAYMENTS ( 30 Days Late ). The FACT is, those payments were NOT MISSED nor LATE. OCWEN accepted each paymentand even sent email confirmations acknowledging receipt of each PAYMENT ( note : the email confirmations did not specify PARTIAL payment but rather, PAYMENT RECEIVEDleading me to believe as I traveled, my affairs were in order ). Lastly, OCWEN chose to hold those payments in a suspense account rather than any number of other optionsall over an {$83.00} shortage. I am a responsible business owner who relies unequivocally on my credit worthiness and am incredibly concerned at this point. I understand and furthermore respect the integrity and the basic underlying policy of servicers reporting those who blatantly disregard their responsibilities and under no unique circumstances, do not make any effort to bring their accounts current. However, this is not one of those situations. According to the Consumer Financial Protection Burea u ( CFPB ), it appears two of the three ( 30 Days Late ) reports to the credit bureaus ( XXXX and XXXX ) are in VIOLAT ION of the CFPB Rule XXXX - Early Intervention Requirements for Certain Borrowers Live Contact Rule. The rule states as follo ws : 1024.39 Early Inte rvention Requirements for Certain Borrowers - Live Contact : A servicer shall establish or make good faith efforts to establish LIVE CONTACT with a delinquent borrower no later than th e 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. Due to the unique circumstance, had OCWEN abided by the CFPB Live Contact Rule and in good faith contacted me via a simple phone call no later than the 36th day, I would have gladly brought my account current and made the necessary adjustments to my auto-pay. Therefore, at the most I would have been a few days delinquent past my 30-day grace period. However, I received NO CALLS! I was not provided the REASONABLE and FAIR opportunity to be informed of the shortage in my payment. I was not made aware of the situation until early XXXX . As a result, I am left to deal wit h ( 3 ) consecutive ( 30 Days Late ) ma rks on my creditresulting in a total drop of my credit score b y over XXXX points. This is simply UNFAIR!!!. Im hoping OCWEN will consider our long lasting relationship and realize Ive been faithfully making my monthly payments since XXXX . Consequently, I would ask OCWEN to forgive the mistake and have all thr ee ( 30 Days Late ) mark s removed from my credit report. The payments were made as scheduled. Had I received a simple live contact phone call as specified in the CFPB Guidelines, I would have appreciated the opportunity and paid the trivial {$83.00}. That said, at a minimum, both ( 30 Days Late ) reports for XXXX and XXXX are in VIOLATION of the CFPB Live Contact Rule and therefore not valid. I respectfully ask and hope XXXX will honor my request. I imagine the CFPB Live Con tact rule was designed and put in place for this very reason. People travel much more these days for both work and leisure and therefore have come to rely more and more on technology including mobile phones as well as paperless statements, email notifications on account status and payments, etc. Its not only reasonable to expect mortgage servicers to adapt and to make these types of services available in order to better and more fairly communicate with its borrowers. I appreciate your understanding and look forward to your reply.
Company Response: Closed with explanation

Timely Response

2017-05-14

WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Recently, Ocwen has come by my home to photograph our property. While I know this is common they do it more than necessary. If we have n't made a payment they are driving by photographing our home before 30 days. Most recent event has me feeling very concerned. They actually came onto my property while my kids were home alone and photographed our boat, and cars in the driveway. My daughter was very upset. Adding to this Ocwen w ill send letters stating we are at risk of foreclosure before the XXXX and more letters before the 30 day mark. They do n't only send me a letter they sen d 2, then they send 2 certified letters I have to sign for then they charge me for this almost every month. And this months statement does n't say what the XXXX fees/other charges are for. Waist of paper and money. We are behind on payments and when I ask to make partial payments throughout the month they decline stating the computer would n't recognize it and apply it to the principal instead of the monthly payment. I had set up a phone meeting with Ocwen, th at they email confirmed, for XXXX XXXX at XXXX XXXX but they never called and still have n't.
Company Response: Closed with explanation

Timely Response

2017-05-14

Naples, FL

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-14

Statesboro, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-05-13

Concord, TN

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-13

MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I submitted a request for mortgage assistance/ modification in XXXX 2017 to Ocwen Mortgage Compan y . A t that time, no foreclosure date had been established. I received a letter from Ocwen requesting additional documentation within a reasonable period of time. I submitted the documents as requested. Suprisingly, I received a deficiency notice from XXXX XXXX XXXX on XXXX XXXX 201 7, esta blishing a foreclosure date o f XXXX XXXX 2017 a t XXXX XXXX . To date ( XXXX /17 ), m y Ocwen Mortg age online account indicates I have a pending modification in consideration. Ocwen intentionally mislead me to believe I was in the process of saving my home. At the same time I received the foreclosure notice. I ca n't believe Ocwen would offer me assistance and pull the rug out from me without evaluating the documents i submitted. Ocwen is in gross violation of RESPA 1024.41 loss m itigation regulations relative to the improper establishment of a foreclosure date with a pending modification in process.
Company Response: Closed with explanation

Timely Response

2017-05-12

Seneca, SC

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: failure to acknowledge a RFI within XXXX business days.
Company Response: Closed with explanation

Timely Response

2017-05-12

Kosmosdale, KY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2017-05-12

Okc, OK

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have two rental property mortgage loans with Ocwen Loan Servicing. For much of the past year, I would mail my payments at the end of the month always adding extra to payment to cover the late fee. They would never apply the late fee, instead placing the extra portion of payment into a unapplied account. I did n't make payments online because I was trying to avoid their XXXX XXXX XXXX payment fee they place on internet payers. My accounts showed 30 days late for sometime. One of my properties, they came up with around {$500.00} of extra fees, of which I paid last month. The other property of mine, they are accessing {$1000.00} worth of fees. The other property is a home that was destroyed by renters years ago. I have completely gutted out the house, there is only wood framing inside. I 've slowly been renovating it. I went to the house to retrieve a washer/dryer in storage and found that Ocwen had locked me out. I called the number of their subsidiary that locked me out and they immediately gave me access to the house. They told me that the loan appeared to be current. In the process of lockout, the company damaged my garage door with a grinder ( cutting off my lock ), they stole a gallon of bug spray and a tarp that I had covered over a washer/dryer. They placed winterized stickers on toilet flange and drain pipes sticking out of walls. The house is mainly down to wood framing with nothing to be winterized. I 've been slowly in process of remodeling the house, I had some construction material near a room I began sheet rocking. For some reason, they moved those items to a stack of new sheetrock I had on floor. The stickers where dated XXXX XXXX, 2017. It was less than a month later that I realized this happened. Ocwen is generally very unhelpful with questions and has terrible service. I did place a complaint to their website. Their customer service rep contacted me regarding these issues. She was the only friendly person I had ever spoken with at Ocwen. Unfortunately, she was not able to help with any of the fees. It was pretty much out of her hands. Ocwen 's standpoint was that since the property was vacant and I was 30 days late on payments that they had every right to lock me out and charge secure and maintenance costs. All of these fees related to my two mortgage loans are just forms of legal extortion. It 's morally and ethically wrong for a business to practice in this manner.
Company Response: Closed with explanation

Timely Response

2017-05-12

Discovery Bay, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: I have received the response from Ocwen and disagree. First I tried to get flood insurance and the insurance company told me I could not cause I was not in a flood zone the email and company are attached. You force placed flood insurance of XXXX a year even though I am not in a flood zone. You say you ca n't use my Social Security income cause it 's not showing in my account it takes 3 months to get SS after applied one or two months just to get a appointment and I did this so I can keep my house when I clearly have the income!!! You sent me a corrected assignment what is a corrected assignment which is enclosed you the signer is a known robot signer and this is 8 years after the XXXX assignment why? The trust you say I am in is not on the SEC website as being active please provide where my loan shows in this trust. Please provide the assignment from XXXX XXXX XXXX to the trust 90 days after close as referenced by the PSA otherwise this constitutes a break in the chain of title and documents are Void California case XXXX vs XXXX XXXX XXXX supreme Ct case buyers have the right to challenge the assignment of mortgage. I asked for my accounting from XXXX-date why have Ocwen not provided this my statements never have the same numbers on it. My CPA wants to look at this!! I can not believe this company Ocwen has hurt my family and caused undue stress to me and my XXXX veteran husband.
Company Response: Closed with explanation

Timely Response

2017-05-12

Fresno, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I was informed this week that th e Office of the Consumer O mbudsman office has received my file for my short sale complaint wit h Ocwen t hat has been file d XX/XX/XXXX and will have a written response XX/XX/XXXX . XX/XX/XXXX I w as sent an conditional short sale approva l by Ocwen an d for some reason everything fell apart. Even whe n Ocwen had all the papers required by the home owner and a buyer. 11 months later am still being told by Ocwen is waiting on the lender of the loan. This was not the case when my agent XXXX XXXX called Ocwen last month and was informed by an individual in the short sale department that the papers was never forward to the lender instead it was being reviewed by the underwriters of Ocwen. Ocwen has been sending payments to my home I MUST PAY when I sent Ocwen a hard ship letter informing them I have fell on hard times and do not have the money required to keep the home. Recently I have been getting multiple Notice o f Default and Election to sell under deed of trust stating " you must pay all amounts in default at the time payments is made to stop the foreclosure '' I have attached the documents as stated in this statement for your eyes only. The home has been vandalized and just to get it up in living conditions am looking at over 20 thousand in repairs, little over 9, 000 dol lars in late payments and behind on property taxes. All this Ocwen knows but they put the blame on the Lender when they have admitted they never passed on the documents to the Lender. Please help this is now the 11 month going on a year. Also am being informed by XXXX XXXX that Ocwe n is reporting me to the credit bureau 3 times a month for not paying the mortgage when I have been trying to get this short sale to go through.
Company Response: Closed with explanation

Timely Response