OCWEN FINANCIAL CORPORATION

2017-05-02

El Dorado Hills, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-02

Fairmount Cty, PA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-02

KS

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ocwen receives my payment on XXXX XXXX , XXXX . The XXXX XXXX NUMBER is : XXXX . Even after ocwen got it on XXXX XXXX they post it on XXXX XXXX date. This effects my credit. It should be posted the day they get the payment and not when they feel like.
Company Response: Closed with explanation

Timely Response

2017-05-02

Discovery Bay, CA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I 'm doing a refinance but a {$100000.00} HELOC in XXXX is still showing in my title report as an outstanding lien. XXXX was GMAC and later acquired by OCWEN. Just called OCWEN today at XXXXXXXXXXXX but the person said they do n't have a record.
Company Response: Closed with explanation

Timely Response

2017-05-02

Hghlnds Ranch, CO

Incorrect information on your report

Mortgage: VA 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

2017-05-01

Hillsdale, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX , XXXX , XXXX XXXX cwen Loan Servicing has charged me 13 m ortgage payments per year over the past 3 years. They have explained that my escrow payments have not been sufficient and that each year in order to prevent my monthly fixed rate mortgage payment from increasing, I must make an additional Escrow Payment. Over the past 3 years I have made a full additional mortgage payment. This year I did n't quite make the additional payment in full so they increased my monthly mortgage bill as of XXXX , 3 months later and with the additional escrow payment and my mortgage payments ... my escrow still reflects low balance. With hopes of remedying this very serious issue, I called the compan y. Ocwen has bounced my call around to different departments, each department saying that the shortage and or requirement of more money could be coming from another department ... ..it is a three ring circus trying to get answers from Ocwen as to why I am making 13 payments yearly to keep my monthly fixed rate payment in tact. XXXX XXXX , XXXX I paid mortgage payment, XXXX XXXX , XXXX I over night expressed Escrow Payment {$810.00}, XXXX XXXX , XXXX Ocwen sent letter stating that I needed to pay an additional {$700.00} to the ecrow to prevent a rise in my monthly bill
Company Response: Closed with explanation

Timely Response

2017-05-01

Jamesburg, NJ

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

2017-05-01

Brunswick, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-01

West Newfield, ME

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-01

Gateway National Recreation, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-01

Dallas, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My loan is with Ocwen loan servicing. I spoke to Ocwen Relationship Manager ID # XXXX ( if that was indeed his ID. They have been known to intentionally leave off numbers in the past on purpose ). My complaint is below. Last week after logging into my online mortgage account I noticed that in XXXX XXXX my loan will increase from {$700.00} per month to {$900.00} per month. I made a request online to have a relationship manager call me to see if we could extend the time frame for me to pay the escrow as I wo n't be able to pay the additional expense. I was leery of reaching out to Ocwen b ecause from my experience the people they call relationship managers are not really relationship managers. They are high pressure, aggressive collection agents that intentionally withhold options from borrowers such as extensions and they in turn engage in threats, intimidation and coercion. I have caught them lying in the past as well . One relationship manager would give me one amount to pay and as soon as I would agree he would put me on hold and then come right back to the phone and give me another higher amount. This went on for 30 minutes until I hung up because I had had enough. So I reached out to Ocwen to call me. A relationship manager c ontacted me at around XXXX XXXX XXXX XXXX . central time ( which was outside the time frame I had selected for him to contact me ) and he started off with ( this is a collection call ). He then went into an intense high pressured collection script and told me I needed to pay ocwen an additional {$700.00} a month, ON TOP of my mortgage payment to get caught up on {$4000.00} dollars in escrow shortage. I was shocked. I was the one who had requested the meeting with Ocwen and not once did the agent ask me how he could help me. On top of this, he told me I needed to pay an additional {$700.00} dollars per month if he was to work with me when I had contacte d Ocwen because my payment was going u {$200.00} dollars a month. So why did he think if I could n't pay {$200.00} a month I could suddenly pay {$700.00} a month? On the escrow? It did not make sense. This agent was overseas in XXXX and one of my main gripes with Ocwen is that they incentivize these agents to bring in money so quickly that the agents use threats instead of working with the person. The agent refused to tell me about the entirety of the options available to me. They have done this before. They have withheld certain options in an effort to force the person regardless of our financial situation to pay quickly. This man was not trying to assist me at all. When I told him that I would request another meeting with someone who was serious about helping me he said 'ok ' and quickly got off the phone. He was nonchalant about the matter. He never once asked me for the reason for my request to speak to my relations hip manager. Ocwen is awful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-01

Los Indios, TX

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I was askin g for Loan Modification and Ocwen was always sending me Pay off Qoutes. I enclosed under your discretion that the L oan I originated from them since XXXX XXXX , XXXX was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00}, XXXX XXXX dollars all in all up to this date. Attache d is Ocwens p ay off valid through XXXX XXXX . Please analyze the following invalid descriptions on Ocwens Pay off Quotes such as Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not valid Ocwen 's Description expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Ocwens claim. Ocwens Pay off Quote should be corrected in the right way. Ocwen is doing business with their mortgagor like me were faulty and unlawful. I want Ocwen to remove descriptions that are not legal. Ocwen is obliging added invalid fees for me to pay them more that are not lawful.
Company Response: Closed with explanation

Timely Response

2017-05-01

Southwick, ID

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: We applied through owcen a modification 6 times to get our payment lowered and every time we sent in the paperwork they said it was incomplete even though we talked to them each time we sent the paperwork in to make sure it was all correct before we sent it in we have been doing this for over a year now and fell behind on the payments we tried to contact them and request documents so we could at least refinance to clear up the past due balance and they would not send us what our credit union needed to finalize this process So we then decided to sell the home and take our losses so we hired a Realestate company went through them got a offer and ca n't get owcen to give us a contact person to discuss a quick sale before the foreclosure auction even though we have a buyer willing to buy the home this is crazy and I tell everyone that I know that owcen is not a good company to work with so they can try to auction the home or at least talk with the realtor company and accept the offer on the home and recoup their losses I 'm so frustrated and tired of dealing with all of this then we received a letter from owcen that the loan was obtained by another company thennothing from them either and owcen is still the primary what does that mean? The letter they sent is invalid? What the heck a very frustrated home owner
Company Response: Closed with explanation

Timely Response

2017-05-01

Walden, CO

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-01

Los Indios, TX

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I was asking for Loan Modification a nd Wellsfargos Mortgage Servicer was always sending me Pay off Qoute. The Loan I originated from t hem since XXXX XXXX , XXXX was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00}, XXXX XXXX dollars all in all up to this date . Wellsfargos pay off valid through XXXX XXXX have invalid descriptions such as Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not valid expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Wellsfargos claim. Their Pay off Quote should be corrected in the right way. Wellsfargo is doing business with their mortgagor like me faulty and unlawful. I want Wellsfargo remove descriptions that are not legal. They are obliging added invalid fees for me to pay them more that are not lawful.
Company Response: Closed with explanation

Timely Response

2017-05-01

Hollywood, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-04-30

Torrance, CA

Incorrect information on your report

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

Account information incorrect
Complaint: We had some problem in XXXX due to financial difficulties, however, since then, we have been paying the mortgage on time. In XXXX XXXX , we filed for chapter XXXX temporarily against some body who filed a lien. we managed to dismiss the case and dismissed the chapter XXXX bankruptcy. The mortgage company were not part of the bankruptcy court but we paid them on time and sent the proof to the trustee. However, after dismissing the bankruptcy case, the mortgage company has been harassing us, telling us that we are behind for 2 months, their correspondence is not valid and we have proof that they got paid every month. Waiting for them to correct their info, but they have been refusing. We believe that because of the bankruptcy case, their action is not but harassment, they have been reposting since XXXX of this year derogatory on our credit report, and nothing we do or even send them proof of payment for the past 3 years, still, they are so arrogant, bully, and dismissal. This has been causing us tremendous stress, especially they have been threatening with foreclosure.
Company Response: Closed with explanation

Timely Response

2017-04-30

Glendale, CO

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: Chptr XXXX dismissed mid XXXX XXXX , out of bankruptcy had others debts owed. A decrease of my income XXXX job loss. Applied for loan mod during that time Ocwen den ied me to try at a later time. There is an increase in expenses and supporting my sons younger brother as their mother passed away. He had medical issues needed counseling, medications and my savings exhausted. I wor k 36 h ours per week.My name is the on ly one on the mortgage. I pay most of the house expenses. My spouse has a pending work meeting and not guaranteed to be employed. I need assistance in my mortgage. Loan account # XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX CO XXXX End of XXXX XXXX submitted to Ocwen Loan ser vicing a modification package. XXXX XXXX XXXX my name the onl y one on the loan/deed. Accou nt Loan # XXXX . My spouse has been in contact with kynan fernandes relationship manager. Each phone call request different docs. I contacted attorney as having issues with Ocwen. The I received a phone call XXXX / XXXX / XXXX rec 'd call from XXXX , XXXX , name XXXX XXXX with ocwe n Loan se rvicing we had been approved for a loan modification and need to pay the attorneys fees in order to get the loan package out to us for signature. It was quoted to me via phone conversation with XXXX XXXX an approval for a 30 year fixed rate for 3.75 % with a all payments in arrears added to end of loan. The monthly mortgage payment would be {$730.00} a month for the 30 year fixed rate. I contacted the attorney, I had been in touch with he said take thr offer. I contacted XXXX XXXX XXXX stated " Ocwen Loan servicng when calling me " I was given two name of attorneys to forward funds 1 ) {$850.00} to XXXX XXXX XXXX XXXX receipt # XXXX XXXX Fl, sent XXXX / XXXX / XXXX , next funds sent to different person as XXXX XXXX stated our case was with a different attorney now need to send {$730.00} to be sent to XXXX XXXX receipt # XXXX , XXXX Fl both money transfer funds were picked up. Then the modificatio paperwork would be sendt out to XXXX to sign. I tried to contac t Ocwen. I was informed by Ocwen Loan servicing no one by those name worked there and no money received from me. Now i have been served paperwork from attorneys pending funds foreclosure/ have less tha 30 days to respond. I was scammed reported to federal trades comission and to date working again with an attorney to help me in the loan modification process. There has to be some resolve in this situation people work hard to keep their home circumstances happen in life that are no control of the homewowne rs. Ocwen is one of the worse companies an owner can work with. My husban d is trying to get a resolve on a fixed interest rate with a lower payment due to decrease in income and work hours. Can someone assist us. I have been in contact again with an attorney to try and help get the matter resolved.
Company Response: Closed with explanation

Timely Response

2017-04-30

Southern Pnes, NC

Trouble during payment process

Mortgage: VA mortgage

Complaint: Since XXXX of XXXX every single mortgage payment that I have made to O cwen Loan Servicing has be en either lost or reversed. I always keep the confirmation email stating that the payment was made along with a corresponding email stating that the payment was received by Ocwen. However, on the following month when I attempt to make my mortgage payment my payment records indicate that the payment from the previous month was either not credited to my account or reversed. This is seriously affecting my credit score and preventing me from transferring my mortgage to a more creditable mortgage company. I am currently attempting to recover from Chapter XXXX proceedings and this ridiculous matter is causing me serious financial difficulties. It 's seems rather fishy to me that the only way that a customer can pay their mortgage without a fee is through their bank, but this appears to be the one way that is not working as it should. I 'm not understanding why a mortgage company would receive a payment from a customer, turn around and send it back to the customer and then not send any correspondence whatsoever indicating that there was a problem with the transaction. More interesting than that, how does a mortgage company mysteriously loose a customers payment all together.?
Company Response: Closed with explanation

Timely Response

2017-04-30

Key Biscayne, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX , XXXX , my mortgage was modified b y Ocwen Loan Servicing, LLC. Since then, I have been paying {$2600.00} of which {$1800.00} was for principal and interest and {$760.00} was towards my escrow account. This is the amount that was reflected on my monthly mortgage billing statements. It has always been my understanding that ou r HAMP m odification included both taxes and insurance. However, on XXXX XXXX , XXXX , Ocwen noti fied me that my payment was increasing from {$2600.00} to {$4700.00} beginning XXXX XXXX , XXXX . This payment shock is causing me extreme hardship. I believe that Ocwen gr ossly mishandled my modification and escrow account. For two and half years they did not properly escrow my loan, which created severe deficiency on my loan. I have made several attempts to reach a solution for a such a large deficit in the escrow account. Most recently, Ocwen informed me that they will only accept a full reinstatement and will not be accepting monthly payments any longer from me. I feel Ocwen 's negligence and unfair business practice is driving me into foreclosure and to displace my family.
Company Response: Closed with explanation

Timely Response

2017-04-30

TN

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: We were having trouble with the payments and the loan was in my moms name and she is under XXXX XXXX which I did n't have to tell them because we found someone to buy the house and let us stay here as long as my mom is living, I wanted to keep the house but knew Ocwen would n't work with me on it. We had to do a modification a few years back and they said we did n't qualify for the presidents program. They wanted to know anything and everything and still did n't lower the payments any. Then they had to take out insurance because I could n't get any, because of a fire. They raised it up another {$140.00}. But when we started the closing they did n't want to give us the pay off quote, they kept changing it day by day, and did n't want to give the one handling the sale any help or any information. They have been a headache every sinc e we had to refinance with them. I have been cused by some of the hounded and heassed by them at different times. They are one company I hope to never have any more dealing with and when we had to refinance that gave us a ballon payment of {$35000.00} in 15 years.
Company Response: Closed with explanation

Timely Response

2017-04-30

CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: At the time that my mortgage on XXXX XXXX XXXX, XXXX CA XXXX was previously successfully modified by OCWENs Home Retention Division in XX/XX/XXXX, the Company continued to remain negligently unaware that the subject property was not located on one property parcel ( Parcel # XXXX ), but rather two ( Parcel # XXXX and # XXXX ). This is despite the letter that I wrote dated XX/XX/XXXX to OCWEN, in which I diligently attempted to make the Company aware of their quite consequential error. My letter was ignored, as were my attempts to make this reality known to Customer Relationship Managers over the phone. Thus, while OCWEN properly established an escrow account to ensure that XXXX XXXX property tax payments were made in full and on time for the lot with Parcel # XXXX, the same payments were entirely neglected for Parcel # XXXX. Over the ensuing years, this then negligently resulted in unpaid back property taxes totalling over 44K by XX/XX/XXXX, whensingularly through my initiative and over time in collaboration with the OCWEN Consumer Ombudsman Officethese overdue taxes were then paid off in full just prior to the property becoming legally subject to the Countys impending Power to Sell. Through the Companys negligent inaction, it had thus risked my familys home, our financial livelihood, and our well-being, not to mention the homes and well-being of our tenantsonly in the 11th hour doing the right thing and paying off the account. However, because to their neglect of this second parcel, at the time that the terms of my previous mortgage modification were finalized in XX/XX/XXXX, these terms neglected to take into account the ongoing tax costs associated with this second parcel. The resulting mortgage modification is thus fundamentally flawed and entirely for unnecessary reasons that rest on OCWENs past negligence and errors in properly managing their accounting for this property. While my current adjusted payment of {$2800.00} is indeed manageable for myself and my family on an ongoing basis, demonstrating the basic reasonableness of the financial analysis that led to it in the first place, now that the escrow account has undergone its review and needs to now be reimbursed for this single large payout of over $ 44Kthe result would be that our monthly payments would instead ratchet up to {$4200.00}. Not surprisingly, based on OCWENs own previous financial analysis, this amount is far more than we can sustainably pay on a monthly basis. Thus next month I am again facing a payment that I can not make, should not have to make, and will not makeall due to OCWENs past mistakes and poor accounting, not my own. Due to the above reasons, OCWEN 's Consumer Ombudsman 's Office has agreed to serve as an internal liaison to their mortgage modification division, expressly to safeguard me from being legally responsible for the {$4200.00} XX/XX/XXXX payment that is currently about to unfairly come due. Instead, they have agreed to fasttrack my application so that it can go through with approval prior to the XX/XX/XXXX payment deadline. It is for these reasons that I found it especially disturbing to receive a letter from OCWEN dated XX/XX/XXXX which appears to once again resort to OCWEN 's corporate policy of general delay and obstructionism with regard to mortgage modification. While one hand is promising expeditious treatment for just reasons, the other is throwing up the needless redtape that so often characterizes OCWEN 's extremely poor track record of customer relations. The letter claims that OCWEN is " not able to evaluate your request for mortgage assistance because you have not submitted all the required documents ''. It then goes into some detail about what supplementary info is still required : 1 ) " Please complete the enclosed Request for Mortgage Assistance Form ( signed and dated by all contributing parties '' = > No such form is " enclosed '' with the letter sent. This is also the name of the entire document, so essentially they are asking me to start from scratch, filling out the entire very lengt hy application that they have then not bothered to provide. 2 ) " The following section should be resent : Borrower Acknowledgment and Agreement '' = > This is the name of Section 14 of the application document, only trouble with what they say is, it was filled out completely and signed on XX/XX/XXXX and sent via email on XX/XX/XXXX to OCWEN. They are simply lying here. The document only requires a signature of the borrower ( there 's only one, me ) and the date. It has both. The very idea that they would ask me to resubmit such an obviously complete and very simple document is insulting. 3 ) " The following section should be resent : Hardship Statement '' = > Similarly, they are only again asking me here to submit a form that I have already submitted completely. I filled it out in full, signed it, and dated it on XX/XX/XXXX. OCWEN received it XX/XX/XXXX. I queried one of OCWEN 's Customer Relationship Managers extensively to be sure that I checked off all the correct boxes on the form. I provided a detailed page-long explanation of our hardship that is nearly identical to the opening paragraphs of this complaint. It is very difficult to imagine how what I provided is insufficient to evaluate my request for mortgage assistance. 4 ) " Please return documentation from the provider showing the amount and frequency of the other benefit, such as letters, exhibits, or benefits statement. '' = > Apparently, my wife is supposed to provide something additional here, though exactly what was requested was what was supplied, again after extensive querying of an OCWEN Customer Relationship Manager. However, this request is stated so generally ( " documentation '' " provider '' " benefit '' ) that it almost appears to intentionally obscure what proof is being requested. Since they have all the documentation to make the request specific, and thus something which could be properly answered, why do they do nothing of the sort?
Company Response: Closed with explanation

Timely Response

2017-04-30

Bel Alton, MD

Unable to get your credit report or credit score

Mortgage: Conventional home mortgage

Complaint: It is the practice of my mortgagor , Ocwen, to report my mortgage payments to credit agencies 3-4 months after payment is ma de. For instance, my XXXX credit report currently lists XXXX as my last mortgage payment as on time. I would expec t Ocwen to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my credit score.
Company Response: Closed with explanation

Timely Response

2017-04-30

Patterson, MD

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: I was told by NACA Housing Counselling Agency to file this complaint a gainst Ocwen Loan Servicing , LP for denial of loan modification ( RMA ) package sent XXXX XXXX , XXXX . The initial loan modification was prepared by Ocwen in XXXX of XXXX with additio nal RMA p ackages sent again in XXXX and XXXX of XXXX . Ocwen has refused to modify my loan that is predatory with a interest rate of nearly ( 12 ) % . I do not know if the balance is principal or interest. Last XXXX of XXXX NACA sent Ocwen a loan modification for an affordable monthly payment between {$500.00} to 600. They kept asking me for the same paperwork over and over again. Come to find out after a month or so they were talking about another co-borrower on the loan who was never involved in the loan other then the origination of loan. The loan modification was sent over several more times but was told by Ocwen that my stepfather had to sign loan modification papers in order to get the loan modification. I informed them he had been estranged nearly ( 20 ) years. Ocwen never did anything to resolve the problem and requested I get a Quick Claim Deed re moving from the loan and off of the title. While I was in the throws of the loan modification , Ocwen attorneys XXXX XXXX XXXX continued to schedule auction sales in XXXX , XXXX and XXXX of XXXX on my property which shouldnt have been allowed. Because of Ocwens negligence in not complying with the National Settlement lawsuit. A law firm did a search and found out were he lived and contacted him about the loan modification. He is elderly XXXX years old and on a fixed income and can not afford any monthly payments on a small retirement income. I went to all the trouble to get t he Quick Claim Deed a nd to locate my stepfather for him to sign the paperwork removing him from the loan and title. NACA sent another loan modification application to Ocwen with the " Quick Claim Deed '' Ocwen comes back and says they can do the loan modification rambling something about they ca n't reduce my principal which is exactly what the " National Settlement Lawsuits '' court and judge requires them to do. These people meaning Ocwen are evil and should be put out of business. They have harassed me ever since they took over my loan beginning in ( XXXX ). Ocwen has criminally trespassed on to my property breaking locks, doors, windows and putting " Lock Boxes '' on my doors. They have also cause me to loose my homeowners insurance by calling my own insurance company telling them to cancel my insurance policy and then turn around and put " Force Placed Insurance '' on my property for ( 3 ) times the amount when I was only paying { $800.00} with my prior insurance company before they called them. I do n't know how Ocwen is able to get away with all of this criminal activity. Any of person did these unlawful acts would be put in jail or made to pay a fine. The D. C. DEPARTMENT OF INSURANCE Joins State Regulators by Issuing a Cease-and-Desist Order to Ocwen Loan Servicing, LLC for an array of unlawful actions. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-04-29

Bremen, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Mortgage payments sent to Ocwen Loan Servicing every month on time via XXXX Payments are for two homes so two checks are ALWSYS in the envelope Ocwen will process one check and not another sporadically No notification sent about missing payments Last payment sent XXXX 2016 returned stating that it is not sufficient to bring the account current Ocwen filed foreclosure on XXXX XXXX 2016 They dragged their feet on the paperwork until the last minute had to file for bankruptcy to avoid the foreclosure They claimed they could not change the foreclosure date One home was offered modification and I applied for modification in the other and it was denied I gave a chapter XXXX hearing on XX/XX/XXXX. Ocwen never notified us for three years they never got a payment. I gave copies of all checks sent to them. I have proof they only cashed some and not all. They hide behind their XXXX employees who do not have a clue. Finally spoke with someone in the US and she could not care one bit stating they denied the modification because they could not reduce the loan amount by 20 % and they are nit mortgage lenders only processors I asked to speak with the underwriters or who is in charge and that was denied Their attorneys do not care. I sent them a package via XXXX with copies of all checks sent to them. They have not returned one check or processed the payments they received. I have tried to work through this with attorneys and all I end up with is filing bankruptcy This home is in Georgia
Company Response: Closed with explanation

Timely Response