Consumer complaint received 2015-10-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
IS XXXX XXXX TO ANY XXXX? 

Dear .... 
My name is XXXX XXXX, XXXX XXXX XXXX with residence at XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
This is my XXXX time trying to have an answer about ; in my opinion is a force of power, not a justice. Here is my history and I look for answer, positive or negative but an answer that convince me that I am wrong. 
I own the Deed of my house but with a lien for a mortgage loan. I stared a Loan Modification with the Loan Servicer on XX/XX/XXXX with a XXXX trial payments, XX/XX/XXXX and XX/XX/XXXX 
XX/XX/XXXX, after a XXXX payment was made, I received a Loan Modification Agreement. The Agreement says on Section # XXXX : & lt ; Acknowledgements and Preconditions to Modification. I understand and acknowledge that : A. TIME IS OF THE ESSENCE under this Agreement ; B. If prior to the Modification Effective Date as set forth in Section XXXX the Servicer determines that my representations in Section XXXX are no longer true and correct, the Loan Documents will not be modified and this Agreement will terminate. In this event, the Servicer will have all of the rights and remedies provide by the Loan Documents ; andC. I understand that the Loan Documents will not be modified unless and until ( i ) I received from the Servicer a copy of this Agreement signed by the Servicer, and XXXX XXXX ) the Modification Effective Date ( as defined in Section XXXX ) has occurred. I further understand and agree that the Servicer will not be obligated or bound to make any modification of the Loan Documents if I fail to meet any one of the requirements under this Agreement. 
Section XXXX. The Modification. If my representations in Section XXXX continue to be true in all material respects and all preconditions to the modification set forth in Section XXXX have been met, the Loan Documents will automatically become modified XX/XX/XXXX ( the " Modification Effective Date '' ) and all unpaid late charges that remain unpaid will be waived. The Loan Documents will be modified and the first modified payment will be due on XX/XX/XXXX & gt ; XX/XX/XXXX, when I tried to make the mortgage payment as stipulated on the Loan Agreement, the Servicer told me that they can not accept the payment because the Loan Modification was n't complete yet and the same happen XX/XX/XXXX. After been talking with the Relationship manager about it, he says the same, the Loan Modification was n't complete but I never received a letter from the Servicer explaining that they are behind in the process but the Loan Modification is approved until XX/XX/XXXX or XXXX, I do n't exactly remember, when I spoke with the Relationship Manager and he told me that everything is approved XX/XX/XXXX Few days after, I received a Loan Statement showing 2 month behind, date XX/XX/XXXX. When I call, they said that I suppose to make the payments for XXXX and XXXX, I claim that I was n't allow because the modification process was late but they ask me to make those 2 month payments if I would like to have my mortgage up to date, and if not it will be behind those 2 month. I received the executed Modification Agreement the first or second week of XX/XX/XXXX, and it was signed by the Servicer XX/XX/XXXX. I write a complaint to the Office of the Loan Consumer Ombudsman and the answer I get was shocking me, she said " regardless what the contract said '' your XXXX and XXXX payments are behind. As I mention before, I tried to many time to have an explanation from different source about this and I found that is the " FORCE OF POWER ''. I do n't have the money to employee an attorney who will be charging me {$200.00} or more per hour where could be ended around 10 hours equal {$2000.00} when I was n't the party who was late in the process as it recognized by XXXX XXXX, Consumer Account Analyst from the Office of the Consumer Ombudsman at Ocwen Loan Servicing in a

Company response to consumer: Closed with explanation