Consumer complaint received 2017-08-29
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it XXXX Concern : This letter is in our efforts to seek a loan modification. We have made several attempts to work with OCWEN so that we can save our home with a modification. We have lived in our home for 19 years, XXXX of those years we were never late on our mortgage payment. I am a Veteran who is now totally XXXX living on XXXX and in the midst of losing my home. Ocwen has worked with us in the past and assisted us with a loan modification previously after we received the loan modification my teenage daughter tried to commit suicide which caused us to have another financial setback with hospital and additional medical bills for her treatment along with the fact my wife took 4 months off with no pay to assist our daughter in getting the necessary treatments she needed. Shortly After returning back to work my wife 's company laid off over XXXX employees. After 15 years of service she no longer had a job meaning we no longer had income or medical coverage. She was out of work for 19 months. She returned back to work in XXXX XXXX. 
In our last review with Ocwen we were told the reason we did not qualify for a modification is due to the Chapter XXXX bankruptcy. We were advised that if we had the bankruptcy dismissed we would qualify for the loan modification. We had the chapter XXXX dismissed and after the review we were advised we did not qualify for a modification at all because we are more than 90 days past due. That is the reason why we need a modification. When asked why were we told if we had the bankruptcy dismissed we would qualify for the modification we were old at that a modification is not a guarantee. This company has no integrity We were never told this in the past. Also due to me XXXX, I receive property tax relief however Ocwen continues to charge me for escrows. The city has advised us that they send the check back to the mortgage company but they continue to charge us for property taxes. Also when we purchased the property XXXX be known to us it was not disclosed that we had quest piping. We have had several pipe burst that is no longer covered under our homeowner insurance policy. We can not get conventional hazard insurance as we now have to go thru the state of Virginia. At the time we purchased the home the class action lawsuit was going on. We have now been advised if we attempt to sell the home we must disclose that we have quest piping but we were never given that courtesy. Also in the midst of seeking a loan modification I am also requesting my original loan documents. 
We just want to keep our home even if Ocwen would put the past due on the back of the loan to allow us to catch up. We have given Ocwen documentation from my medical doctor and medical bills showing proof of our medical hardship. They say they do n't want my home but I have not given me an other options outside of foreclosure. We assure you we have every desire of retaining our home and repaying what is owed. But at this time we have exhausted all of our income and resources so we are turning to you for help. Please assist us in saving our home and stop allowing Ocwen to get away with deceptive and unfair practices. The stress of this is exacerbating my illness as we do not want to become homeless Regards, XXXX XXXX

Company response to consumer: Closed with explanation