OCWEN FINANCIAL CORPORATION

2016-12-02

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I was approved both by XXXX ( owner of my loan ) and my servicer Ocwen for a loan modification on XX/XX/2016 ( Attached ) trial that went from XX/XX/2016 to XX/XX/2016. I made all of my required trial payments on time. Then in XXXX Ocwen stated they made an error on the first trial and issued me a revised trial dated XX/XX/2016 that went from XX/XX/2016 to XX/XX/2016. I made all of these trial payments on time. Then in XXXX Ocwen stated they could not issue the final modification documents until they cancelled out my first trial that was issued in error. So I kept paying my trial payments for the months XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. This last week my attorney who I hired to help me with this process advised me that Ocwen now states that they have cancelled both trials. My attorney states Ocwen makes mistakes like this all the time and what we believe happened is that they were only supposed to cancel out the first trial and they ended up cancelling both trials. I have now been paying trial payments since XX/XX/2016. Ocwen has messed up my modification process now two times and I am now back in foreclosure without any explanation from Ocwen except that they are working on it. My attorney has been calling them every month since XXXX and if we did not file this complaint Ocwen would just ignore their mistake until my house foreclosed. According to my attorney Ocwen can not put me into a trial unless I am already fully approved. Obviously Ocwen is violating the guidelines and they are also argumentative with my attorney every time they call. XXXX is even stepping in advising Ocwen to offer the modification. According to XXXX the modification has been approved since XX/XX/2016 and they have no idea what Ocwen is doing all this time.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-02

Tarzana, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage company refuses to report any of my on time payments to any/all credit bureaus. My credit record does not reflect the last four plus years of monthly payments. As a result, my credit score has suffered.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-02

Stroudsburg, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Sandy Hook, MO

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Yeagertown, PA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Bridgeport, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Oxford, GA

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: OCWEN LOAN SERVICE & XXXX XXXX. SHAREHOLDER A schedule appointment for Monday XX/XX/XXXX OCWEN RELATION MGR. NEVER CALL ME AT XXXX PM. THIS IS THE THIRD TIME SINCE XX/XX/XXXX. TO GO OVER THE NEW PACKAGE SENT IN XX/XX/XXXX. EVERY TIME YOU CALL ASSIGNED OCWEN ( RM ) NEVER AVAILABLE THERE NO LOAN MODIFY YET SINCE XX/XX/XXXX, I APPLY FOR AFFORDABLE HOME LOAN, HARP LOAN. IM XXXX YRS. To : " XXXXXXXXXXXX '' XXXX " Relationship Manager '' OCWEN PERSON NEVER CONTACTED ME ON XX/XX/XXXX FOR SCHEDULED APPOINTMENT THIS IS THE THIRD TIME.. I CALL IN AND ASK WHY NO. VERY FRUSTRATE .THE RM RESCHEDULED APPT. FOR XX/XX/XXXX WHOM WAS STILL NOT XXXX .RM ASK ME WHAT I WANTED. WHEN HE CALL. NEVER WENT OVER PAPER WORK.. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Wed, XX/XX/XXXX, Relationship Manager XXXX wrote : Subject : Important Account Information To : " XXXXXXXXXXXX '' XXXX ; Date : Wednesday, XX/XX/XXXX, XXXX Dear XXXX, Our records indicate you have spoken with one of our Relationship Managers ( RM ) on your scheduled appointment on XX/XX/XXXX. PLEASE PLEASE PLEASE DO SOMETHING ABOUT OCWEN LOAN OR FINANCIAL THIS BEEN GOING ON SINCE THEY TOOK OVER MY ACCOUNT XXXX BUT THEY HAVE FRAUDLENT REPORTED TO CREDIT AGENCY OCWEN LOAN SINCE XX/XX/XXXX FALSE .. XXXX XXXX XXXX THIS NEW LOAN FOR HOME IN XX/XX/XXXX. PAYMENTS ARE INCORRECT. I HAVE MAIL BANK STATEMENT THREE TIME XXXX PAGES TO FL. AND THEY STILL SAY DONOT HAVE.. SCAM..NOW THEY WANT TO TAKE THE HOME.. SEE OTHER CASES. XXXX COMPLAINT SINCE XX/XX/XXXX WHEN IT WAS HOMECOMING FIN. THEN GMAC THEN OCWEN. XXXX XXXX INVESTOR. From : Consumer Financial Protection Bureau XXXX ; Subject : Your submission, [ Case number : XXXX ] XXXX ; Date : Thursday, XX/XX/XXXX, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

San Gabriel, CA

Settlement process and costs

Mortgage: Other mortgage

Complaint: XXXX - Option One Mortgage loan paid in full. XXXX - Option One Mortgage recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Homeward Residential attempted to foreclose on my property using fraud. XXXX - Ocwen Loan Servicing filed lawsuit in the XXXX XXXX County Superior Court. XXXX - Deposition was taken, where Ocwen Loan Servicing attorney XXXX XXXX agreed to have my former forensic FBI agent travel to XXXX XXXX county to authenticate the documents in his possession, upon arrival my FBI expert was denied access to the records. XXXX during pending litigation, XXXX attorneys agreed my loan was paid in full based on the evidence they had in there possession and directed attorney XXXX XXXX to dismiss the pending action. XXXX - XXXX recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Ocwen Loan Servicing and XXXX attorney XXXX XXXX ( Who is now working with the XXXX XXXX XXXX, Who needs to be investigated by the California State Bar and the DOJ ) Attorney XXXX XXXX started making threats to take my house calling me names at the same time rescinded XXXX XXXX XXXX. XXXX XXXX started couching, whispering in his clients ears during depositions, and directing his clients and its fraudulent witnesses during trial how to lie under oath make up false fronts so its client would be awarded fraudulent Judgment to wrongfully foreclose on my home. Ocwen Loan servicing and its lawyers used fraud upon the court to seek judgment during the time I was hospitalized for months. I have medical records to prove it. XXXX - I had a life threatening illness that landed me hospitalized for several months, I was forced to file Bankruptcy because I had no ability to fight Ocwen criminals and its fraudulent attorneys because they have drained my savings account, over {$100000.00} in attorney fees, and other fees during my health troubles. XXXX - XXXX I filed multiple police reports, multiple DOJ, DBO and CFPB complaints. XXXX - I filed lawsuit, Ocwen made offer of {$660000.00} 2 % interest if I agree to dismiss action. I declined. I dismissed the court action so I could search for other attorney. XXXX XXXX, forensic loan auditors prepared report and findings which identified mortgage servicing fraud. XXXX - I filed another lawsuit, Ocwen Loan Servicing made several attempts to foreclosure on my property using fraud, just days before the trustee sale Ocwen made another offer of {$770000.00} 3.43 % none negotiable loan modification or they would proceed trustee sale in just days, leaving me no choice other then to sign the settlement agreement under duress to avoid fraudulent foreclosure. Ocwen Loan Servicing litigation department lawyers have been directing outside counsel XXXX to lie make up false claims to protect his clients. I demand the CFPB to involve the FBI, DOJ, California State Bar and other sources to investigate my matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-01

Bellevue, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Ocwen Loan Servicing failed to keep a mitigation appointment with me by phone. I made an appointment to speak with my Relationship XXXX and have waited several days to receive a call which was scheduled for today at XXXX pm. No call came. Ocwen Loan Servicing is in violation of the CFPB settlement with CFPB. Ocwen Loan Servicing has no intention to attempt to mitigate.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Arsenal, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I have ocwen.they have been XXXX with me for years.my interest rate is over 10 % .every time I ask to talk to someone I get a person I cant understand.now and and not not for the first time they r saying I did not make payments and I did.i send what they ask and hear nothing till they say I have to do it all over again.they have XXXX up m my credit so I cant get any any one else to take me
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Hudson, NC

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was discharged in bankruptcy
Complaint: i filed bankruptcy in XX/XX/XXXX and it ended in XX/XX/XXXX got letter from a debt collector saying i still owed XXXX on the second mortgage, i was told all that i still owed was XXXX but they are saying that this was interest on what was owed on my loan bankruptcy showed what was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Boston, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Please help me to stop a foreclosure that is scheduled for XXXX XXXX. It would be unnecessary and unfair to foreclose while I am still waiting for a response to my appeal of Ocwen 's wrongful denial of my modification request. All I want is a chance to make a reasonable payment. I applied for a modification and sent in all the information that Ocwen asked for. Then I was wrongly denied based on Ocwen 's error. In a " non-approval notice '' letter dated XXXX XXXX, 2016 ( attached ) Ocwen said I was denied for a modification because my income was too low. The notice says that Ocwen verified my gross income as {$XXXX}. That is completely wrong. I had given Ocwen all the papers they asked for to document monthly income of {$XXXX} from retirement income as a retired XXXX XXXX XXXX employee, plus monthly income of {$XXXX} from Social Security ( {$XXXX} per month before deduction for medical insurance premiums ), plus monthly rental income of {$XXXX}. Even if they only count part of the rental income, that is still far more than the {$XXXX} they mentioned. So I sent Ocwen a letter dated XXXX XXXX, 2016 ( attached ) appealing the denial and explaining that they had made a mistake calculating my income. Ocwen confirmed they received my appeal, and in a letter dated XXXX XXXX, 2016 ( attached ) they said they would send me a written response. Since then, my niece has called Ocwen to check if anything more is needed. My niece has been authorized to talk to Ocwen for me since I am XXXX and it is also hard for me to communicate in XXXX. Ocwen has told my niece again and again that no more papers are needed for my appeal. They even told her the file was in the " under writing '' department. But we never got an answer or any update about the appeal. Instead, Ocwen scheduled a foreclosure sale for XXXX XXXX, 2016 ( letter attached ). Please have Ocwen postpone the foreclosure sale so there is time to give a fair consideration of my application and the appeal.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Conyers, GA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Rolling Mdws, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Soquel, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Oxford, GA

Application, originator, mortgage broker

Mortgage: Reverse mortgage

Complaint: OCWEN LOAN, XXXX & XXXX XXXX CREDIT? ..PLEASE DO SOMETHING to fix the on going problems with OCWEN SINCE XXXX. SINCE XXXX XXXX MODIFICATION WAS TO BE DONE BY XXXX MODIFICATION KEEP MAILING ME PACKAGE TO SIGN..I HAVE FAX AND MAIL OUT XXXX PAGES FOR AFFORDABLE HOME ACT. A HARP LOAN. THERE STILL NO MODIFICATION, THERE WAS NO NOTICE GIVEN IN XXXX JUST LETTER SAYING PAST DUE. NOW TRYING TO TAKE MY HOME SINCE XXXX. THIS IS SUCH A SCAM. NEW APPOINTMENT ON XXXX XXXX MONDAY XXXX, OCWEN OR MY REP MGR. OR CUSTOMER SERVICE MGR. NEVER CALL ME TO GO OVER A NEW PACKAGE.I CALL OCWEN AT XXXX REQUESTING TO SPEAK TO MY OCWEN REP. ALWAYS SAY REP. IS NOT AVAILABLE WE CAN RESET UP APPT. THIS IS 3RD TIME THE OCWEN RELATION MGR.HAS NOT CALL SINCE XXXX. SEE EMAIL BELOW ALWAYS SENDING BUT NEVER CONTACT ME. SEE OTHER COMPLAINT. XXXX XXXX XXXX COMPLAINTS SINCE XXXX CONSUMER PLAINT DATA submission, [ Case number : XXXX ] Re : OCWEN EMAIL : Important Account Information Monday, XXXX XXXX, XXXX XXXX From : " Relationship Manager '' XXXX " XXXXXXXXXXXX '' XXXX In addition, if you are referring to the unpaid principal balance, the current unpaid principal balance on the account is {$89000.00}. Please note that the unpaid principal balance is not the amount required to pay off the loan. Furthermore, please be advised that the terms of any approved loan modification is not negotiable. The modified terms are based on the income information we receive and the current status of the account at the time of review, following the guidelines set by the United States Department of Treasury and the investor. If you disagree with the reason ( s ) for non-approval, you have the right to appeal. To appeal, you have 30 days from the date of the notice to send a written explanation and supporting documentation to substantiate your findings. Please email a copy of your explanation letter along with any supporting documents to XXXXXXXXXXXX or mail to the following address : Ocwen Loan Servicing , LLC Escalations Department XXXX XXXX XXXX XXXX, FL XXXX Important Account Information Wednesday, XXXX XXXX, XXXX XXXX Mark as Unread From : " Relationship Manager '' XXXX : " XXXXXXXXXXXX '' XXXX ; Dear XXXX, We apologize for any inconvenience this matter may have caused. Exceptional customer service is our primary goal and we regret your experience with us has been less than favorable. Please note that to ensure our customers will be assisted accordingly, we schedule them to the earliest available date and time when they preferences are no longer available. Nevertheless, customers may always reply or call us to decline the appointment and reschedule. XXXX XXXX comment : OCWEN NEVER CALL. In response to your other concern, we are unable to sell this loan to any other financial institution. However, you have an option to refinance this account. In addition, our bank account information for wire transfer has always been the following information : Ocwen Loan Servicing , LLC in Trust for Various Investors and Mortgagors Account number : XXXX XXXX XXXX Bank, NA XXXX routing number : XXXX Reference : ( your name, loan number, and the property address ) You may also send any details of the wire by email to XXXXXXXXXXXX. Be sure to enter the total wire amount on the subject line of the email. MY POINT IS THEY WONT MODIFIY MY LOAN BUT WANT MONEY WHICH THEY DO NOT REPORT TO CREDIT AGENCY..THIS IS SUCH A SCAM. I AM XXXX YRS OLD. IN XXXX THIS WAS MY FIRST HOME AT AGE OF XXXX SINGLE MOM WITH CHILD XXXX LOAN BY XXXX XXXX CLOSED THE DAY OF SIGNING, CLAIMING BANK ONLY GAVE ME XXXX. BUT LATER ANOTHER XXXX DOING SIGNING OF LOAN. MY EQUITY LOST.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Ft Lauderdale, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have requested a recast of my fixed rate conventional mortgage loan. The investor is NOT XXXX XXXX or XXXX. It is my understanding it has been sold to a private investor and serviced by Ocwen. I have been told my loan does not qualify for a recast but they refuse to tell me if this is an internal guideline or a regulatory requirement. I have not requested an extension of the term, only that the loan be recalculated on the new lower balance in order to lower my payment. If there is a regulatory ruling that prohibits the servicer from honoring my request please direct me to the publication I may review so I can better understand their position. The only thing that would change on the loan is a lower principle balance and the newly calculated payment amount. These funds are coming from a probate settlement from my deceased Aunt. Thank you for your attention to this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: To Whom It May Concern, My loan was originally modified back in XXXX through GMAC. Eventually, the loan was then sold to Ocwen to service where it 's been ever since. On XXXX XXXX, XXXX, I received a notice from Ocwen my payment was going to adjust effective XXXX/XXXX/XXXX up 5.325 % and my new payment would be {$4300.00} ( Principal and Interest payment? ) Along with this letter Ocwen provided an outline of the schedule for future payments, again clearly stating my monthly payment moving forward would be {$4300.00}. I was n't sure if this was due to a modification request I submitted in XXXX or what. It was at that point I begin calling Ocwen to find out what my new payment was going to be. Ocwen could n't answer the question. They said it must have been some sort of mistake on their part. Sure enough when the adjustment period arrived for the XXXX XXXX I received a bill with the {$6600.00} amount. I started applying for a modification back in XXXX and was denied. I again started the modification process in the XXXX mos. of XXXX. Over the months, I received notices stating my package was incomplete or to complete a whole new package. This dept. continued to lose what I had sent in and I believe at one point I had two loan modifications going on at the same time. It was during this time I began receiving statements ( without warning ) showing my new monthly mortgage payment was now {$4300.00}, our new rate was 3.50 % until XXXX XXXX. I called in to Ocwen to make a payment and sure enough on the recording it stated my monthly payment is {$4300.00}. Still not totally convinced I called again and got a live customer service representative on the phone and asked them what my monthly payment was, the Ocwen Representative said it was {$4300.00} and my rate was 3.50 % until XXXX XXXX, XXXX. So, I began to get caught up on my payments and continued to make the payments requested I received the statement for XXXX XXXX payment. The statement details of my loan completely changed ( again without warning ) from the previous mos. The statement for the XXXX/XXXX/XXXX payment read my rate was now 5.325 % until XXXX XXXX, XXXX and my monthly payment were {$6600.00}. XXXX. Plus, a monthly payment for an escrow account which showed an additional {$1000.00} a month for a total monthly payment of {$7600.00}. This statement also indicated I owed {$15000.00} retroactively for all the previous mos. I was paying {$4300.00} a mo. The {$4300.00} they received from me on XXXX/XXXX/XXXX they held as unapplied. I called them to ask what was going on, they said, " oops, we made a mistake ''. For the past several weeks I 've been researching who to bring my case to. Ocwen has been making huge mistakes with, mistakes that will have major consequences for my future. I began suffering from XXXX back in XXXX and in XXXX underwent a XXXX. I 'm on permanent XXXX. My wife and I have put every bit of our savings into keeping the only asset we have left for our retirement. This past month I received a letter from Ocwen a " Notice of Default '' was going into effect on XXXX XXXX, XXXX if I did n't make my outstanding payment. It was their error and all they can say is " oh sorry we made a mistake ''? I received a statement on XXXX/XXXX/XXXX stating I now owed them {$26000.00} of which {$4300.00} I paid for the previous mo. was being held as " unapplied funds '', plus {$1000.00} for the escrow account I never had, plus, they hit me with a Property Inspection fee of {$13.00} and a late charge of {$390.00}. I made a {$4300.00} payment in XXXX XXXX, then contacted Ocwen on XXXX/XXXX/XXXX. I spoke to Agent # XXXX ( XXXX ). XXXX assured a " Notice of Default '' would not be issued on the XXXX date. He also set up an appointment for me to speak to a " Relationship Manager '' by the name of " XXXX '' on XXXX/XXXX/XXXX. See documents provided with this complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Lynn, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XX/XX/XXXX I called Ocwen and asked why our credit history was not being reported to the credit bureaus, they said they did not have a reaffirmation letter on file from our bankruptcy in XX/XX/XXXX. I explained we had a copy of the reaffirmation letter from the lawyer who took care of our bankruptcy and that we would fax it to them on XX/XX/XXXX, which we did. We also contacted our lawyer who confirmed the bankruptcy including the reaffirmation letter was signed by both he and the judge and processed on XX/XX/XXXX. I called back on XX/XX/XXXX explained our situation again and the information that had been faxed and confirmation from our lawyer, I was told it would take XXXX business days for the information that was sent to be received and documented. I called again on XX/XX/XXXX and spoke with XXXX ID # XXXX, he could not confirm he had the documents that were sent or what the court documents said. He suggested waiting and additional XXXX business days or more for the information to be inputted into the system, they would have to investigate, contact court records from where we filed the bankruptcy in Massachusetts. On XX/XX/XXXX I called and spoke with XXXX ID # XXXX, still no information available, she said she was going to open " Escalation for Court Response '' and suggested I call back on XX/XX/XXXX If no response from the court has been received at that time she said she would hand the issue over to her supervisor. My husband and I are trying to re-finance our home, we have good credit and we qualify for the Harp loan but we can not re-finance without information from our mortgage company XXXX XXXX ) being released to the credit bureaus. I do n't want to be passed on to another and another and another any more. Ocwen holds a small XXXX mortgage attained in XX/XX/XXXX from GMAC when GMAC filed bankruptcy, I feel they are holding our information XXXX. XXXX XXXX XXXX is NOT what they do. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Dayton, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I had a 2nd mortgage with Ocwen Loan Servicing that I paid off in XXXX of XXXX. I currently have sold my property and during the title search that the lien on the property has not been released by this company. I contact them and they stated that the paperwork was returned no such address. Upon further investigation I discovered they sent the paperwork to the wrong county, It was never followed up on after that. I contacted them on XXXX XXXX, XXXX and they stated they would expedite the release and it would take approximately 5-10 days. It is now XXXX XXXX, XXXX and this lien is still not been released. I have had numerous conversations with XXXX a " Senior '' lien release officer and he keeps telling me 5-10 days repeatedly. Now they are saying they are going to have to research the company that initiated the loan. This is getting ridiculous and should not take this long to complete this release when it should have been done 3 years ago.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Mt Pisgah, IN

Credit decision / Underwriting

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Atl, GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Greenwood, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Hello, In XX/XX/XXXX after the fall of the Mortgage business, my second mortgage loan was charged off by the servicer XXXX due to my bankruptcy filing in XX/XX/XXXX. After being unemployed for XXXX years, I was no longer able to keep my BK payments of {$2500.00} per month and my chapter XXXX was dismissed but not prior to my unsecured debts being charged off in bankruptcy. I then request that my XXXX mortgage loan be modified by Litton Loan. However, Litton Loan Servicing company was closed down at the end of XX/XX/XXXX and my loans were transferred to Ocwen Loan Servicing. Ocwen modified my first loan and invalidated my second mortgage. I have been paying on this modified loan now for over 4 years. I am now being contacted by XXXX XXXX, a collection agency, in an attempt to collect on the charged off XXXX mortgage debt under the name of Ocwen Mortgage. Ocwen Mortgage said that they have nothing to do with that debt. I 've asked both Ocwen and the collection company for the name of the investor they are collection payment for and I can not get an answer. The leins are recorded in the name of XXXX Mortgage, the company that fund my mortgages, however they filed chapter XXXX bankruptcy in XXXX and the bankruptcy case was closed in XX/XX/XXXX. I have attempted to contact XXXX Mortgage with out any success. I have also contacted the trustee that handled the bankruptcy and they have no contact information. Through MERS I found the investor listed on my first mortgage as XXXX Bank as Trustee for XXXX Mortgage and the second was listed as XXXX XXXX XXXX for XXXX Mortgage. I contacted B of A and they could not find an active account for the second mortgage and was not able to help me any further. If the debt of the second mortgage still exhisted in the name of Ocwen, why was this not address at the time of the loan modification. I do not have proof that either Ocwen or LCS Financial has any rights to collect on my mortgages and I am asking that they prove that they have the right to collect on these debts. Thank you, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response