Consumer complaint received 2018-03-01
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Lender and Loan Servicer : Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX Address for serving Ocwen with Legal Process : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ocwen, as the loan servicer, has stopped reporting my loan payment history to the credit bureaus. They have stated to me verbally ( at least 4 times in the past 6 weeks ) that our mortgage loan was discharged in a bankruptcy, which is not correct. 

This is having a detrimental effect on my credit status due to this incorrect reporting by Ocwen. 

I have made repeated phone calls to correct this. I have supplied overwhelming documentary evidence to Ocwen showing that they are in error and need to correct this in their system. 

Most recently, on XX/XX/XXXX, The Ocwen representative ( XXXX XXXX ) has continued to insist verbally, without any proof or documentation, that our mortgage was discharged in a Chapter XXXX  bankruptcy. I very patiently explained to him, on at least two seperate phone calls, that a Chapter XXXX   bankruptcy only covers unsecured debt, such as a credit cards, and that it is impossible for a mortgage to be discharged in a Chapter XXXX bankruptcy. 

Nevertheless, Ocwen has pulled my mortgage loan reporting to the credit bureaus. 

I specifically requested in a written email to Ocwen that my loan status get corrected, specifically so that it would not be incorrectly reported by Ocewn. Ocwen 's action after my written request was to do exactly the opposite - they ceased reporting our loan to the credit bureau. 

This constitutes harassment. 

To the best of my knowledge, the Ocwen employee responsible for these actions, based on his own ststements to me personally, is XXXX XXXX. He is a senior escalations manager at Ocwen. 


Per XXXX XXXX XXXX request, I sent him the relevant documents regarding our Chapter XXXX bankruptcy. I also contacted the Ocwen Consumer Ombudsman on XX/XX/XXXX. 

These are publicly available court documents available to anyone on the US Court PACER system, which is where I got them from myself. 

I can supply this information to the Consumer Finance Protection Bureau as well, if needed. 

The Chapter XXXX bankruptcy case that XXXX XXXX has cited is : XXXX XXXX I asked Ocwen to again report our mortgage to the credit bureaus as being part of our credit history. 

I asked Ocwen to please supply me any documentation they may have that contradicts any of the information I supplied to them. 

Ocwen is currently not reporting my mortgage history to the credit bureaus. This incorrect action on Ocwen 's part affects my credit history in a derogatory manner. My long record of timely mortgage payments needs to be reported to all 3 credit bureaus immediately and correctly. 

I requested that this credit reporting issue be corrected by Ocwen previously. Ocwen has not complied with my request to date. 

Additional information : We later DID file a Chapter XXXX bankruptcy case in the Florida Middle Federal Bankruptcy Court : Case XXXX This Ch XXXX case DID involve our mortgage. The mortgage was NOT discharged in this Ch XXXX Bankruptcy. After the Chapter XXXX bankruptcy was DISMISSED ( not discharged ) The mortgage was later modified by the private lender ( Ocwen themselves ) via the federally guaranteed HAMP program. This was done AFTER the Chapter XXXX bankruptcy was DISMISSED ( not discharged ).

After the Chapter XXXX bankruptcy was DISMISSED ( thrown out of court ), I was able to directly work with Ocwen to complete the loan modification process. This was not possible to do while inside a Chapter XXXX bankruptcy, which would have needed to go through the Chapter XXXX Trustee. This was too complex of a process for either Ocwen or myself to negotiate. Therefore, Ocwen and I did it privately, between ourselves, only AFTER we were out of our Chapter XXXX Bankruptcy. 

I have include the Ocwen HAMP modification acceptance documentation, as well as the Ch XXXX and Ch XXXX voluntary petitions. 

There is no doubt as to the status of our mortgage. I am dumbfounded as to how or why Ocwen could possibly have gotten this so wrong, or the reasons for XXXX XXXX XXXX 's arrogance and insistence regarding this. 

I also have a recording of a recent conversation with XXXX XXXX, which I made with his knowledge and consent. 




Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation