Consumer complaint received 2017-09-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It all started when I applied for a modification, I had not been 30 days late on my mortgage in over 2 years plus. On XXXX XXXX I spoke with my relationship manager XXXX and specifically asked if I needed to make my XXXX payment he said NO due to the fact that I had been approved for a loan modification and the trial period was going to start XXXX XXXX, I said to XXXX again are you sure that I will not be reported late to the credit bureau because I 'm a stickler for my credit, and XXXX said yes, you will not have to pay until XXXX XXXX. XXXX Ocwen Mortgage reported me late for XXXX as 30 days and my score declined on my credit report by XXXX points on my XXXX credit report. I contacted my relationship manager XXXX upset about the bad report and the dropping of my credit score, XXXX informed me to see a copy of my credit report showing that Ocwen had reported me late because his recording was not showing that, XXXX asked me to submit the information to the Research Dept, I faxed the information over on XXXX/XXXX/XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX stating that I had not paid my XXXX XXXX payment. I called XXXX on XXXX XXXX disputing this and he said that they would have to pull the call to see if he had informed me that I did not have to pay XXXX & XXXX payment. XXXX XXXX XXXX agent ID # XXXX informed me that I would have to make XXXX & XXXX payment when I called in around XXXX pm to check on the status of correcting my credit report. I received another letter from Ocwen dated XXXX XXXX, in forming me that they made a mistake and that they would be correcting my credit with the credit bureau as paid as agreed. On XXXX XXXX, XXXX I was reported once again as 90 days late and my credit score dropped by XXXX points this time, which affected me from applying for a refi, and credit line increase in which I needed for my parent XXXX XXXX anniversary, and one of my credit cards decreased my line of credit. On XXXX XXXX I called in and spoke with agent ID # XXXX around XXXX am and told her the spill on everything and she stated that she did not see that Ocwen had reported me 90 days late her records was showing me current, then she asked me to fax over a copy of my credit report that was showing late I refused because I had just gone through this and mentally and physically this was affecting me, I then and asked for her supervisor. Supervisor XXXX XXXX agent ID # XXXX took over the call, and told me that they had to report me late, and I said to him I have a letter stating that I was not late and my relationship manager told me that I would not be reported late. I explained to XXXX that I was a supervisor and this was taking me away from my job as well as employees, he then wanted someone as to join the call but they could not get on the call, I decided to end the call, before we hung up the supervisor stated that once the modification period was over and I had not been late that they would then correct my credit to current. NOT HAPPY

Company response to consumer: Closed with non-monetary relief