Consumer complaint received 2018-04-24
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint has not been thoroughly reviewed. The concerns have not been addressed : OCWENS excuses will not suffice in the face of " RESPA ''. 

My concerns at this point is that this complaint be reviewed by HUD and the CFPB for RESPA violations. That these transactions be thoroughly investigated by both agencies. OCWEN has had several opportunities to correct servicing errors and provide information that should have been provided XX/XX/XXXX. I have made several calls to XXXX XXXX without a return call. This situation needs to be escalated to his attention. 

You are obviously not aware how serious this situation is and you can't just sweep it under the rug by transferring this loan to XXXX XXXX/XXXX XXXX, who has their own history of servicing errors. I should have been notified that you were transferring my loan in XX/XX/XXXX. 

You returned my XX/XX/XXXX payment another " RESPA '' violation, sec 6. " RESPA '' states to continue to make all payments to OCWEN until OCWEN resolves this complaint. This complaint has not been resolved. 

You did not fully disclose information that should have been disclosed. OCWEN is now continually trying to retaliate because information became available to me that should have been routinely and procedurally provided to me. 

You never provided the documents until after the dates specified. This when the original documents were sent to an attorney who was no longer my attorney XX/XX/XXXX. XXXX XXXX never listed OCWEN in my account which caused a whole set of other problems. I provided documentation very early on before the loan process in regards to this. The modification documents were sent to XXXX XXXX only and had to be sent to me at a later date than you required. That is why my first payment was not on XX/XX/XXXX, XXXX. 

You never provided the final documents after the payments were made as promised before XX/XX/XXXX. You can't sign what you don't receive. I continued to make the payments 5 until I finally found someone to correct the problem. I spoke with several individuals and only one person admitted that everyone there did not know what to do or send. 

Once the papers were sent well after XX/XX/XXXX they were signed notarized and returned once received. OCWEN made the same mistake twice XX/XX/XXXX and XX/XX/XXXX. Once again OCWENS servicing error. 

OCWEN was supposed to tell me they were going to transfer my loan XX/XX/XXXX during the loan process XX/XX/XXXX, not XX/XX/XXXX, again a violation of RESPA. OCWEN only decided to transfer my loan when I questioned information that was supposed to be disclosed to me not discovered by me. 

When I pointed out OCWENS servicing errors you started requesting information on the estate of my deceased daughter before you could speak with me. Documents that had already been provided to OCWEN, after 5 payments had been made to OCWEN. I received 3 more packages after I had sent the signed and notarized document to OCWEN? No one knew what they were doing. I don't believe that you don't or didn't know what took place. This is how OCWEN has always done business. 

OCWEN never provided a documented breakdown of thousands of dollars over and above the principal balance, another RESPA violation. It was never explained whether monies were to be forgiven once the trial period was over as some relationship managers were saying or the later introduced balloon payment. Everyone was asking where did I get the information? Someone obviously knew to provide that information and I am sorry you are angered and trying to punish for my receiving the information. The time to provide this information was XX/XX/XXXX not XX/XX/XXXX as you state, another " RESPA '' violation. 

OCWEN has not and did not provide a complete break down of the amounts going into the loan. XXXX XXXX/XXXX XXXX is not going to know what that break down is? 

I welcome the opportunity to have thoroughly reviewed OCWENS " RESPA '' violations. That's what is needed at this point. This is the concern raised. Your records reflect that you have been accepting my payments and I am requesting that XXXX XXXX be apprised of this situation regarding my deceased   daughters ' account, The Estate of XXXX XXXX. I have been making payments to this account. You accepted my payments in my name. You received a completed assumption package in XX/XX/XXXX that changed the account into my name. You knew the status of the account and you sent me the package. I followed all instructions which were under my control. 

The signed Loan Modification Agreement was never sent until after the required date of XX/XX/XXXX. The modification offer was withdrawn in error. These are servicing errors and " RESPA '' violations created by OCWEN that OCWEN has to correct or resolve. Not XXXX XXXX/XXXX XXXX. 

Documents were only mailed to XXXX XXXX and not myself XX/XX/XXXX and I made it clear to XXXX XXXX time and again and in writing, that XXXX XXXX no longer represented me. XXXX XXXX formed a relationship with a para legal in XXXX XXXX office and compromised my personal information. 

If you had investigated you would have found that you made a servicing error one of many. If Ocwens mission is to help homeowners why would you rescind an offer that you failed to respond properly on? You did not timely provide documentation as promised as you claim. Everyone knows OCWENs reputation and you have denied everything because you can. The files need to be examined to get to the truth. I am addressing this situation as violations of " RESPA ''. OCWENS response has not addressed these " RESPA '' violations.

Company response to consumer: Closed with explanation