Consumer complaint received 2015-04-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear OCWEN : This letter serves as the formal notice of my intent to file a lawsuit against OCWEN. As a victim, we are seeking compensatory damages for time, expenditures and emotional damages associated with the injuries caused. We feel that it is in the best interest of OCWEN to settle without lawsuit, in which a lawsuit will bring national public exposure of the companies ' unfair business practices and make the company liable for the payment of additional costs ( lawyer fees, increased emotional distress, etc. ) that may result in a XXXX lawsuit. 
In the Memorandums of evidence attached, you will find a timeline reflecting the amount of time wasted in trying to communicate with OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a breach in contract. This is due to the fact that neither OCWEN nor XXXX, XXXX XXXX XXXX ) honored the Loan Modification promised, although taking the payment for the loan modification account AND a judge approving a motion that the loan modification contract should be upheld ( also attached ). 
Many instances of fraud is substantiated as OCWEN wrote a letter ( deceitfully ) stating that the denial that was sent in XXXX was due to unsigned loan modification contract. Later, however, ( in a recorded conversation that we possess ) they state that they DID in fact, receive the loan modification contract, XXXX, and the denial was really due to the judge not issuing the court order in a timely manner, which is beyond my control. Additionally, since the automatic stay was still in process, we feel that a denial should not have taken place. We also believe that OCWEN willfully denied the modification ( after contact signature and taking payments ) and transferred the loan to XXXX XXXX XXXX XXXX XXXX within XXXX hours after the denial so that they would not have to face consequences. Furthermore more, willful negligence is purported on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as they failed to give a reason for the breach of contract until XXXX 2015, 150 days after they received the notification of transferal. Additionally, both OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is refusing to uphold a judge 's ruling to honor the loan modification as well as refusing to honor the loan modification contract itself. 
Therefore, we are charging your company with the following acts : Unfair Business Practices : These XXXX banks are using the bankruptcy process to push homeowners intoforeclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly known as XXXX XXXX XXXX Performance of Deceptive business practices ( misleading me regarding true reason of loan denial ) Breach of Contract : refusal to adhere to judge 's ruling and refusal to acknowledge the loanmodification contract that was signed and sent back Intentional/Negligent infliction of emotional distress : intentionally and negligently withholdinginformation of the true reason of denial for 3+ months Predatory lending strategies : trying to force a new loan modification procedure/application while notupholding previous contract

Company response to consumer: Closed with explanation