Consumer complaint received 2017-11-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am faced with my third modification and/or appeal since XXXX 2017 with this Ocwen. This complaint is primarily about Ocwen Insurance Loss Dept. holding my money. I have filed complaint with youll, see, XXXX. Please read the following letter detailing my funds they have held for a year!!! 

TO ALL IT MAY CONCERN : XXXX XXXX XXXX XXXX Loan # XXXX with Ocwen Loan Servicing , LLC address :  XXXX XXXX XXXX XXXX , XXXX , Tx XXXX XXXX MY COMPLAINT : OCWEN LOAN SERVICING, INSURANCE LOSS DRAF DEPT XXXX REFUSING TO GIVE ME MY MONEY!!!!!!!! 


If it were not Ocwen, I would not believe it is actually happening and likely you also. However, even for them this is hard to believe an organization can continue to operate with such unethical and immoral standards. I am starting with you 'll and hope and pray you can do something to police these criminals. I have written you about their horrific ways in handeling my mortgage during modification attempts and more but today I am sticking to the fact of MY insurance money they have in their possession and have had for over a YEAR! Yes, a year!!!!!!!!!!! 
I filed an insurance claim on my roof over a year ago. My insurance company, XXXX XXXX took months but finally after the adjuster completed his report, sent me an initial check for {$3100.00} ( XXXX XXXX, on XXXX dollars ) made out to myself and Ocwen. OH BOYm OCWEN! I sent the check to Ocwen and a few months later they sent me a check back in the amount of {$770.00} ( XXXX XXXX, XXXX XXXX, XXXX XXXX dollars and XXXX cents ), about a fourth of the {$3100.00}, made payable to MYSELF and the contractor, at that time " XXXX XXXX, XXXX  division, of XXXX, Tx ''. They said because my mortgage was late they would delay full payment. As that turned out, XXXX XXXX, XXXX division, supposedly of XXXX, Tx. owned by XXXX XXXX, were/are flat out crooks and I had not done my homework. They are rated " F '' ( just like Ocwen ) with the Better Business Bureau. I gave XXXX, the salesperson for XXXX the check ( To help get started ) and they cashed it and I never saw them again!!! I have notified the NEXTDOOR communities to beware of them and more. I advised Ocwen also and that I had to get another legitimate contractor, this time I would not give any money up front, no matter what. 
Too shorten this, I loss another sibling and had to put one in hospice, this taking up months and I had already loss months trying to get my money back or the work done by the infamous crooks, XXXX XXXX! I had spoken with Ocwen Loss draft several times and advised I would be getting the work done. I got a call from them and middle early 2017 saying they were going to release the balance of my money! Ha! Never happened. Weeks later I called and was told my claim was being monitored? OK. I went on and to bring current, I finally got the worked scheduled by a contractor coming highly recommended, XXXX of " XXXX XXXX XXXX XXXX ''. They did an excellent job! I was so fortunate to get them, especially after getting an extension with the insurance company and also during XXXX aftermath of Hurricane XXXX. The work was completed, the inspection report was completed and all met requirements and the Ocwen site " InsuranceCheckClaims ''. Well, here comes they most unbelievable series of lies, deceit and must be unlawful XXXX that could only be at the hands of Ocwen. I have spoken with 15-20 reps there, some claiming to be supervisors and managers and assuring me they would get MY MONEY to me in haste. 
Instead, they have asked me to send, fax or upload copies of certified email I should have sent to the first crooks, XXXX XXXX requesting my money back. I did! Then, stated they needed copies of the contract between myself and the new contractors, The XXXX XXXX XXXX, and other documents signed by them. All that was done!!!, months ago. Then they claimed they would have to get copies of my divorce decree and Quit Claim Deed, signed by my X spouse. THEY HAVE ALL THIS, INCLUDING A " SPECIAL WARRANTY DEED '' RECENTLY SIGNED BY HER. namely XXXX. This they were having trouble getting from Ocwen Loan Servicing to XXXX XXXX XXXX XXXX. Can you believe that! I uploaded the full 10 pages of my divorce decree to the site! Then I was told, and the last person I spoke with, a XXXX at XXXX direct, she would get my money out to me. Of course, that was last week and she no longer answers the phone. And MY MONEY IS STILL SITTING THERE.!!! I am just increasing my XXXX XXXX meds and afraid that the balance of the insurance claim, some {$9000.00} ( XXXX, XXXX dollars ) will take the blessing of the government to get handled properly. I CAN NOT BELIEVE THEY CAN DO THIS AND CONTINUE TO OPERATE!!! 
I have names, dates, witnesses and have loss valuable time on a new job I recently started messing with these unsavory people at Ocwen. If Consumer Finance, The Texas Dept of Savings and Mortgage Lending, The Better Business Bureau and the Attorney General cant police them, who can? I am uploading a few of the screenshots, the documents listed and all the proof I can and will send you more to get something done about this. They have to be stopped and not allowed to batter people like this!!! Good heavens, I wake up each day, Ocwen heavy on my mind and it has affected by health and it just stinks!! I was out with some of the first responders after and during hurricane XXXX and almost lost my daughter and grandchildren, who lost all but their lives thank XXXX, and having to deal with an organization with and F rating at the BBB, a recent cease and desist order by the government I guess, and a history of lies,, deceit and covert operations is overwhelming to say the least. I was warned by several reputable firms, dealing with mortgage help with a houseful of attorneys that this is XXXX systematic way of taking homeowners ' properties, especially knowing I have a new roof. Now I really believe them. 
Again, I have folders overloading my computer of stuff I have sent to Ocwen, everything they have ever requested and I still am being treated so terribly unjust and at XXXX years of age, it hurts. I am making this available to all who I think regulate this terrible operation and the social media and do hope and pray I will get relief. They have HAD MY MONEY FOR A YEAR!!!!!!!!!! Can you help me and help prevent them from doing this to others in the future? 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation