Consumer complaint received 2016-10-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This again is my forth case for APPEAL, each time that Ocwen responds my case is closed and will continure to open up cases until this mater is resolved. Ocwens responses are unacceptable I refuse to speak to a person in XXXX as a relationship manager that knows nothing about the USA and the mortgage. Each time Ocwen is skirting around the issues and pushes me off to someone else. The points below are still open and regarding the XXXX issue, Ocwen keeps loosing my documents and expects me to file a case of fraud. Look into this matter with your fraud department with the documents I provided to you XX/XX/XXXX. When I filed the case against the investor on complaint number XXXX XXXX XXXX XXXX XXXX said that I was not one of their accounts. So who owns the mortgage, EXACTLY XXXX does and is illegal in XXXX. 
I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX I submitted a request for Appeal on my loan modification.offered on XX/XX/XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XX/XX/XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XX/XX/XXXX 2. Your " OFFER '' is clearly beyond my means. 
3. There is NO WAY I can afford this payment. 
4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following. 

7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XX/XX/XXXX, Servicer : XXXX XXXX XXXX , XXXX, XXXX XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ). 
( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION. 
9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do. 

Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS. 

As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE. 

I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN XXXX FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.

Company response to consumer: Closed with explanation