Consumer complaint received 2019-05-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is in response to the answer made by Ocwen Loan Services in complaint # XXXX. 
I know the complaint above is closed. I am waiting until I received a new modification agreement offered by Ocwen be completed. I have attached the response from Ocwen, and I made marks where is easy to notice that the answer no made sense. First, they mention that they have records that they informed Mr. XXXX about the Modification Status and the delay, and else, the mention that they have in records that they informed Mr. XXXX about the XX/XX/XXXX and XX/XX/XXXX payments and Mr. XXXX agree to send those payments when the modification process is finished. They never send to CFPB those records, they sent other records as statements on XX/XX/XXXXand XX/XX/XXXX about the default account but no proof of that communication, because they never communicated that. In XX/XX/XXXX, they told Mr. XXXX < Do not send any payment, the modification hasnt been finishing and we can not accept partial payments> but they keep sending monthly statements showing the {$660000.00} in XX/XX/XXXX, and {$660000.00} in XX/XX/XXXX, on the payment portion, I attached those statements. What anybody can think when you received those statements? They informed me about those payment on XX/XX/XXXX by a phone call telling me the modification was completed, and, in that moment, they ask for XX/XX/XXXX and XX/XX/XXXX Payments. Another comment that never was mention was that Mr. XXXX never asks them to waive those payments, what he asks was to move those payments to the end of the loan, and the answer was that they can not do that. 
Second. They already started the modification with 2-month in default. If the loan goes 90 days behind, I lost the forgiveness amount of {$380000.00}. How convenient was to have the loan 90 days behind after XX/XX/XXXX, date when all Americans should have their tax declaration done ; and Ocwen sent the 1099-C in  XX/XX/XXXXfor the total amount of {$380000.00} but only giving me {$120000.00}. Where the difference of {$250000.00} goes? Attached is the 1099-C. Third. Why if they requested a lower payment for XX/XX/XXXX because a deposit of {$400.00} was made in the account and Mr. XXXX call at that moment a let them know that I never made that payment but they told to make the payment requested on the website {$1200.00}, screenshot attached, why when they found that they made a mistake and the {$400.00} wasnt belong to my account they dont allow me to pay the {$400.00} and asks me to make 3 months payments and not partial payments going to be accepted. I can not keep my house with their apologies and sorry for the inconvenience. Thats right there a violation of Dodd-Frank Act. Unfair, Deceptive and Abusive acts. 
Now I have a loan modified under a similar payment as the first modification, a payment that I can afford but I lost a reduction of {$250000.00} of my debt because their delay and their mistakes, only {$150000.00} of forgiveness amount at the end of the loan modification in XX/XX/XXXX no after the 3er year of the modification like the first offer and increasing the Balloon amount for {$130000.00}. And to complete they sold or transfer my loan to another Servicer XXXX.

Company response to consumer: Closed with explanation