OCWEN FINANCIAL CORPORATION

2016-08-28

GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am trying to get an explanation as to why my loan did not qualify for a modification with a principal reduction.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-28

Ft Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I fell behind in my mortgage payments due to a XXXX. I continuously called the Ocwen loan servicing for assistance. I was told to continue making the payments when I could. In XXXX 2016, I called Ocwen and was told in that my payment was 90 days past due, nothing could be done. I explained to the rep that I was calling for months. It was noted on my account of the calls to different reps. I was told 'sorry '. In XXXX, I was told XXXX was due to bring my mortgage current. I sent he overnight payment of XXXX on XXXX XXXX. USPS delivered the overnight payment on XXXX XXXX. I checked my account on XXXX XXXX and I was told the payment was received late and now my new payment was XXXX by XXXX ( relationship manager ). My XXXX payment was returned to me. She advised that payment must be sent by the end of XXXX 2016. I was also told to send the late payment to avoid the payment being returned. On XXXX XXXX, I sent a XXXX cashiers check to Ocwen. USPS delivered my check on XXXX XXXX at XXXX hrs. Prior to sending the check, I called and the operator validated that XXXX was the correct amount. The operator updated the account stating my required amount and that I was sending it on XXXX XXXX, 2016. On XXXX XXXX I called ocwen and was told by operator XXXX that my payment was not received. I called USPS and was told the packadge was delivered and signed for by 'XXXX ' on XXXX XXXX, 2016. I called back Ocwen on XXXX XXXX, XXXX and spoke to operator XXXX. He advised me the payment was received and the reinstatement was being processed. On XXXX XXXX I called Ocwen again - spoke to operator XXXX-and was told the payment was not received and XXXX was due immediately for reinstatement. I explained all of the aforementioned information. After going back and forth on this call, the operator told me the payment was received on XXXX XXXX, 2016 but not applied. The operator could not tell me why and seemed puzzled. I was transferred to the escalation manager, XXXX. XXXX XXXX tried to assist me, but could n't explain why the payment had not been applied or why my account was not reinstated. I have yet to find out what 's going on and I am deeply concerned. I do not want a foreclosure on my home. Owen has my reinstatement payment for almost 2 weeks and no one can tell me what 's going on.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We are sending a Notice of Error as noted below. On XXXX XXXX, XXXX we requested the loan to be de-escrowed from the account. On XXXX XXXX, XXXX the cancellation for the ecrow account was granted. However, as of XXXX XXXX, XXXX we have not received a revised statement on XXXX XXXX, XXXX showing how much we needed to pay monthly that due on in 15 days or a refund because our Escrow was cancelled. From our records it shows that the Statute of Limitations has expired for the debt. As required by New York and Federal law, Ocwen Loan Servicing , LLC has not provided a disclosure statement before accepting any payment. Furthermore a disclosure was not provided in the communication accepting our monthly payment. This loan in question is not enforceable as part of the Fair Debt Collection Practices Act On XXXX XXXX, XXXX XXXX XXXX Department received proof of payment we made from XXXX XXXX through XXXX XXXX that was not applied to the account along with proof that Ocwen was servicing the loan in XXXX XXXX. This information in noted on the credit report. On XXXX XXXX, XXXX XXXX Securities and Exchange Commission, XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC received proof of payment we made along showing that payments were accepted by Ocwen that was not applied to the account REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days We are requesting a Satisfaction of the debt you alleged we owe, Refund from the our monthly overage payments and a A Payoff Request OCWEN LOAN SERVICING , LLC IS IN VIOLATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X A updated Monthly Statement Refund from the Escrow Account
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-26

Corona, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Fort Pierce, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Mill Creek, IN

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: ATT : CUSTOMER SERVICE LOAN ID : XXXX CFPB Complaint # XXXX/XXXX/XXXX XXXX XXXX XXXX is the Servicer on my mortgage ( XXXX ). One West Bank ( XXXX ) is the Investor on this mortgage. The mortgage originated with IndyMac XXXX/XXXX/XXXX. One West Bank has held homeowner in extended processing for over 5 years. XXXX XXXX is XXXX of the original Servicers along with XXXX. Currently XXXX the servicer is not evaluating documents properly. Homeowner has submitted the RMA requesting modification over three times and the same results : lost paperwork, lost statement of income/ proof if income : then denied without explanation. The most recent denial was on XXXX XXXX, XXXX. Homeowner has generated a NPV Report, data collection date of XXXX/XXXX/XXXX and shows homeowner can possibly qualify for a modification. Homeowner has been in default since XXXX/XXXX/XXXX. Homeowner is formally appealing the denial based on errors in home value, income and comparable recent sales : recent comp is {$230000.00}, sold in XXXX XXXX, XXXX. The income, DTI and LTV Loan to Values used by the services in the denial of the RMA application are in error. I have provided a recent NPV Report dated XXXX XXXX to show more than 2 errors on the processors side : 1. The estimated homeowners value is overstated ; off by {$290000.00} 2. Current street value of the home is {$230000.00} as of XXXX/XXXX/XXXX. 3. Current Street Value base on recent comp sold at {$230000.00} XXXX/XXXX/XXXX. The servicer has commenced double tracking while homeowner was acting in good faith under the XXXX XXXX Agreement : the National Mortgage Settlement Agreement. Servicer has denied the homeowner a modification when was qualified. The servicer ' is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified, lost documents when homeowner has already provided. This homeowner, feels that their case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 2. A Single point of contact was assigned ; calls were made to the point of contact : the calls were never returned by the contact. Calls returned were from the collection department and never the same so called : " relationship manager ''. 3. The servicer has held the homeowner in extended process in bad faith, during which the value of property has increased and fallen for 960 days from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 4. On the last RMA application : all requested documents were provided as requested. Homeowner has confirmation via fax that documents were received by the service, bank claims that documents lost. 5. Homeowner has made numerous calls ( XXXX ) inquiring on status of application, as a foreclosure date has been set and reset ; calls were routed to next available collection department agent, comments were : A ) wrongfully advised that documents were not submitted, or B ) documents were submitted, or C ) resubmit documents because documents lost, or D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowner. 6. Servicer started a double tracking procedure upon the notice of default. The foreclosure agent was aware of the loan modification in process, and moved forward with the double tracking anyway. This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith. 7. Homeowner has not been updated with date of foreclosure sale.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Rocky Ridge, MD

Settlement process and costs

Mortgage: FHA mortgage

Complaint: Some years ago I was paying XXXX a month and went to refinance I was told it would be XXXX a month. When the settle date came the officer came to my house she was from a service. The rate was a lot higher at XXXX I called the bank rep and he said go ahead and sign it will be the XXXX it never did and I could get nothing from him. It killed me and caused me all kinds of financial hardship. I have not been able to make a payment after the XXXX a month drained me. I have been in bad health and have XXXX. The bank was indymac, XXXX, XXXX and someone else. I paid a lawyer who stole XXXX promising me a loan mod & gt ; Mortgage lawyer XXXX was the name. I also went through XXXX XXXX XXXX XXXX 3 times i did the paper work and they had me redo it it was totally finished and submitted by a hud rep XXXX XXXX. I did it a 4th time with XXXX XXXX it was totally completed and then they said we had to redo it because the bank changed. I was scammed into the mortgage and the appraisal on my home was inflated. I asked about it and they said it was ok. I am a minority XXXX and this is not fair. I believe the lender was also racist as I could and should have qualified for a loan mod. I am trying to have a short sale now and have a lawyer but I am not sure what this one really is doing. I have lost a ton of money and can not even pay. I just want this nightmare to end. I tried several times to find out what legal action I could have and was turned away. Seems like people of color always are. I need help what was done to me is wrong I have been bankrupted and almost divorced. It has been hard to sleep or live for years. I have been threatened and embarrassed to the utmost a man came to my house at XXXX one time and taped papers to my door. I have not paid and I was promised a trial mortgage by my crooked lawyer who had me list the house and then tried to buy it in short sale but i would not sign when i found out he was part of the deal. XXXX, Indymac and whoever else isaoa has been horrible to deal with. I think they just want the house. I have kept it up hoping that i can get somekind of relief. I want to pay but not XXXX a month its not fair and is criminal i have been in contact with the bank and feel they are racist and do not want to help me .Please help me Please this can not keep happening to people of color in this XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-26

Antioch, TN

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: This complaint is a continuation of complaints filed over the last 3 years against Ocwen Loan Servicing LLC, and assigners.Please see the history of this complaint to supplement this complaint. In XXXX of XXXX, I entered into a modification agreement with Ocwen Loan Servicing , LLC, to modify my monthly loan payments. The result was my mortgage payment was adjusted to {$690.00}, per month. Upon completing the ( XXXX ) trial mortgage payments in XXXX of XXXX, the modification became permanent. However, the very next month, XXXX of XXXX, Ocwen breached the agreement, by increasing the payment. The month after that, XXXX of XXXX, the payment was increased again. The documentation of the modification and increases in payments are stored in the history of my complaint file. ( Please refer to those documents for proof. ) Since the initial breach, the Consumer Financial Protection Bureau ( CFPB ), et al, has won a court order against several mortgage companies, including Ocwen, that mandates these companies are to, among other things, provide modifications that will lower monthly mortgage payments so that consumers can afford to maintain ownership of their homes. Ocwen has been in constant breach of that " court-order '' as well. Today, I am still suffering from the many breaches that Ocwen continues to perpetrate against me, and it has caused me mental anguish ( intentional infliction of emotional distress ), and financial devastation. As of this writing, I have applied for another modification to lower my {$810.00} mortgage payment to a lower amount that would be affordable for a XXXX ( which I am ) person, managing on a XXXX benefit below {$1400.00} per month. However, instead of lowering the payment by : a. reducing the principal, b. approving a HAMP loan under the Making Homes Affordable Program, or c. extending the term by a sufficient amount of years to lower the payment, Ocwen has increased the payment by XXXX dollars ( {$9.00} and change. Please see attached. ) It is clear that Ocwen could have extended the term more, or it would not have extended it the XXXX ( XXXX ) year that it did. This shows a callous disregard for the court-order ( of XXXX ), et al, and me as a consumer, specifically. It 's also a violation of the Truth in Lending Laws:15 U.S.C. 1601-1667f, as amended, et al. The result of Ocwen 's reckless disregard for the court, CFPB, and its consumers, is more suffering and distress for me. Therefore, I demand that the CFPB enforce the court order that it won to force these predatory lenders to act responsibly and modify mortgages in such a way that helps, not hurts, their customers!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Fountain Valley, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Tampa, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Keller, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2016-08-25

Baltimore, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Keaau, HI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Fort Lauderdale, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Washington, DC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

South Florida, FL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: We are purchasing a property from XXXX TRSTEE of a REO that OCWEN LOAN SERVICING LLC was/is the servicer and the property address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The property was listed in the Florida XXXX and was listed through a broker, so Florida Statue, 475 ( FS ) would applies regardless if the property was sent to Auction. After being told that the prior winner of the auction decided not to move forward, we were told that we would have to go up to highest and best offer and won the bid. We did an inspection within the inspection period and objected to title issues on their title commitment of liens and violations that the servicers knew of and was dealing with correcting with the City of XXXX XXXX for over a year ( This was not disclosed as well ). And although the contract was AS-IS, we could do an inspection, and we had an objection clause for title within a certain period. We knew that the seller has had XXXX previous buyers that walked, and they were presented with an inspection report within the past XXXX moth to a year. So Ocwen and the Listing Agent were both aware of these issues on the inspection report and they did not disclose to us or in the XXXX. I sent an email with the inspection to the seller 's title company and our point person XXXX XXXX, Closing Coordinator, XXXX XXXX XXXX XXXXXXXXXXXX, P : XXXX | Ext. XXXX F : ( XXXX ) XXXX, that we explain that there are over $ XXXX of deficiencies in the home, including mold issues, we had requested that the lender replace the pool pump and heater, correct the improper sprinkler pump they paid someone to installed without a permit ( hazard & electrocution issue ) so at least the lawn can be watered to reduce the weed issues, replace the stolen AC condenser and replace both Electrical Panels ( illegal now and can not be insured ) and we would take care of the interior electrical issues, mold and other issues as per inspection report. I also explained that since this is a primary resident we are buying and we have been watching the home for over 2 years. They said they would review our inspection report and the seller/lender would review our request. They said the lender/seller would give us some credits for repairs, and we replied what was the amount of the " some credit '' did the investor had in mind? We need to lock this down sooner rather than later so we feel certain of this transaction closing. The seller/lender came back stating that price reduction we requested and they approved was now all we were getting. We explained that that reduction we requested was based on the fact that the property value vs. auction price was overvalued, which we provided comps to validate our statement. And since the seller, the listing agent & their preservation company did not disclose known defects that they were aware of ; constitute misrepresentation, so " Caveat Emptor '' does not apply when seller & realtor withheld facts of material defects affecting the home and its value, which is not readily observable and are not known to buyers, the seller is under duty to disclose and Florida Statue 475, FL, has extended that duty to real estate licensees ( the listing Broker ) selling residential properties, see XXXX XXXX XXXX, and since the XXXX showed no such addendum or disclosures were provided, this constitutes fraudulent misrepresentation and concealment. Ocwen is notorious for doing what they want, they own the auction house and the title company, so we are not sure if these decisions are coming from Ocwen or the title company is taking upon itself to not present our issues and making autonomous decisions on their own. Please us. Also, title company tried to deceived us by sending us only partial liens, of $ XXXX, $ XXXX, $ XXXX and with held the a fourth lien on title totaling {$170000.00}. Luckily we ordered our own lien search.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Tarzana, CA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Kirby, TX

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Alpha, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-24

Quartzsite, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have requested on XXXX occasions a " life of loan payment history " from Ocwen loan servicing on XXXX loans they service. They took over servicing from bankrupt GMAC/XXXX bank in XXXX. These XXXX loans are adjustable rate mortgages and I question the principle balances reflected on my statements. These loans originated in XXXX and XXXX. To date they are unable or unwilling to supply me with the " life of loan payment history '' every borrower is entitled to upon request. Please help resolve this problem with Ocwen.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-24

Pasadena, CA

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: Tried to get a loan modification with OCWEN. They assigned me to a " Relationship Manager '' outsourced to XXXX. Could n't speak/understand English. He ( apparently ) wrote that I denied the loan mod. Spoke to someone in USA, he gave me " Ombudsman '' number & that someone was always there. He said I was n't allowed to request one person handle my case and that they be in my country of origin, the USA, that " it 's their rules and they follow them. '' Called Ombudsman dept, got recording, left message. Called " Escalation office '', left 4 messages. I have until Friday XX/XX/2016 to decide if I accept their terms for loan mod ( which is more than double what I 'm paying monthly now ), without which would be triple what I 'm paying monthly now. I 'm XXXX on SSI and can barely afford what I 'm paying now. OCWEN is the company that took over my home equity line of credit from IndyMac when they went under, and they are calling it a XXXX mortgage, which it is not. They 've already threatened foreclosure, even though I 'm not behind on payments. I ca n't believe they outsource all their loan officers to XXXX, with poor telephone connections and no callbacks.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Patterson, MD

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Ocwen has been sued by ( XXXX ) States Attorney General 's and CFPB for failure to modify its own customer 's loans, grant principal reductions and loan forgiveness. Instead, while in the middle of a loan modification still wrongfully sell homes at auctions, which my home is set for XXXX XXXX, 2016 at XXXX Ocwen has refused to give me a loan modification. XXXX Housing counselor have sent RMA packages beginning in XXXX 2016 which is a waste of taxpayer dollars sending redundant paperwork over and over under HAMP for customer 's with predatory loans. XXXX and XXXX have completed RMA 4 or 5 times for me solely as recently as XXXX 2016. Ocwen keeps requesting paperwork for estranged coborrower not on the Deed, as I am the sole owner of title of record for property. I have spoke with several HOPE Housing counselors who said this is a normal occurrence that coborrower ca n't be found. The normal process is to go send a letter to the servicer explaining they do n't know where the person is and go henceforth with the modification. On XXXX XXXX, 2016 Housing counselor sent to Ocwen, " AFFIDAVIT OF ESTRANGEMENT '' of XXXX XXXX stepfather for over ( 20 ) years. Ocwen did not respond to the housing counselors or my written request and ignored the legal document. Ocwen said that they were going to conduct their own search for XXXX XXXX leading me on. Ocwen instead lied to me used bait & switch tactics reissuing another auction sale for XXXX XXXX, 2016 at XXXX At this late junction after working with HOPE counselors, Ocwen has chose not to comply with the judges consent order in modifying it & apos ; s costumers loans and continues to violate the law, as follows : 1. Sends no letters to its customer 's denying loan modification and schedules foreclosure sales in midst of loan modification process. 2. Still engages in wrongful foreclosure sales in lieu of helping homeowners save property. XXXX 3. Hang up the phone on customers 4. Unlawful possession, i.e. burglary of homes and put lockboxes on doors, criminal trespass, breaking and entering. 5. Ignored Housing Counselors loan modification paperwork and legal documents regarding homeowner loan issues. 6. Sends out general form letters that do not inform the customer of status of loan modification. 7. Does not properly notify homeowners of foreclosure actions with the court. 8. Lies to the court that they have filed proper notices of foreclosure sale to the homeowner, i.e not providing, certified return receipt signed by homeowner as required by Maryland law. I am requesting the foreclosure sale be stopped immediately. I am being discriminated against and treatly differently from other homeowner and by Ocwen who has refused to give me a Trial Modification or a denial letter. This is a pattern practice of denying me a loan modification that occurred with Litton who is also apart of the CPFB federal lawsuit. Several emails have been sent to a XXXX XXXX, XXXXXXXXXXXX. Today, I spoke with customer Reps. XXXX and XXXX who did n't have any information to help me. As this is an urgent matter due to foreclosure, PLEASE DO NOT GIVE THIS COMPLAINT TO THE XXXXXXXXXXXX who does nothing to resolve any problems and nothing but a Rubberstamp with Ocwen. AS THEIR IS A JUDGES FEDERAL CONSENT ORDER, I am requesting your intervention as you have brought legal action in federal court and have the enforcement authority to make Ocwen stop the foreclosure fraud, mortgage servicing abuses and unfair business practices. Please find attached documents. Any questions, please contact me at XXXX or email address at XXXXXXXXXXXX. Thank you, XXXX XXXX
Company Response: Closed

Disputed: No Timely Response

2016-08-24

Mission Hills, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

NH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX, 2016 To : Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX RE : Account XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This letter is to inform OCWEN Loan Servicing LLC of the following ; I, XXXX XXXX, have tried several times to speak with assigned " relationship manager '' XXXX XXXX, whom Ocwen has designated however every attempt has been unsuccessful to date. I, XXXX XXXX have had several appointments scheduled with XXXX XXXX, however on more than one occasion XXXX XXXX assigned another Ocwen rep to call and/or XXXX XXXX failed to call to assist myself in this matter. The most recent failed appointment dated XXXX/XXXX/2016 where I was informed XXXX XXXX had " changed her schedule '' and was no longer able to speak to me at this designated time. Several Ocwen employees whom I have spoken with have given me different answers and misled me to believe I could easily work with Ocwen to resolve this debt. The last payment received to the above account was received on-line dating XXXX/XXXX/2016. Ocwen applied this payment to " escrow '' rather than applying it as a monthly payment so as to make it appear I have not made monthly payments. I can prove consecutive monthly payments upon request. Ocwen has disabled my ability to pay this debt on-line since receiving the above dated payment. On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment of {$7000.00} was attempted via " XXXX '' however was declined electronically by Ocwen. On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment in the sum of {$3000.00} was express mailed to Ocwen however has not been applied to the above account and/or returned to date. An escrow account with XXXX XXXX has now been established to hold all monies regarding this account until a resolution can be reached. Said escrow account number is as follows ; XXXX I, XXXX XXXX have been informed by several Ocwen representatives that the above account has now been turned over for foreclosure. To date I have not been contacted by a local attorney and/or foreclosure representative. I, XXXX XXXX continue to receive threatening letters from Ocwen Loan Servicing to foreclose on my home. I have yet to speak to a representative whom can help me ; all have misled me. I have yet to date be answered that this threatening foreclose is a negotiable instrument pursuant to XXXX state law. CC ; OCWEN Loan Servicing LLC Ocwen relationship mgr XXXX XXXX XXXX of the XXXX Attorney General XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response