Consumer complaint received 2016-08-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has been sued by ( XXXX ) States Attorney General 's and CFPB for failure to modify its own customer 's loans, grant principal reductions and loan forgiveness. Instead, while in the middle of a loan modification still wrongfully sell homes at auctions, which my home is set for XXXX XXXX, 2016 at XXXX 

Ocwen has refused to give me a loan modification. XXXX Housing counselor have sent RMA packages beginning in XXXX 2016 which is a waste of taxpayer dollars sending redundant paperwork over and over under HAMP for customer 's with predatory loans. 

XXXX and XXXX have completed RMA 4 or 5 times for me solely as recently as XXXX 2016. Ocwen keeps requesting paperwork for estranged coborrower not on the Deed, as I am the sole owner of title of record for property. 

I have spoke with several HOPE Housing counselors who said this is a normal occurrence that coborrower ca n't be found. The normal process is to go send a letter to the servicer explaining they do n't know where the person is and go henceforth with the modification. 

On XXXX XXXX, 2016 Housing counselor sent to Ocwen, " AFFIDAVIT OF ESTRANGEMENT '' of XXXX XXXX stepfather for over ( 20 ) years. 

Ocwen did not respond to the housing counselors or my written request and ignored the legal document. Ocwen said that they were going to conduct their own search for XXXX XXXX leading me on. Ocwen instead lied to me used bait & switch tactics reissuing another auction sale for XXXX XXXX, 2016 at XXXX 

At this late junction after working with HOPE counselors, Ocwen has chose not to comply with the judges consent order in modifying it & apos ; s costumers loans and continues to violate the law, as follows : 1. Sends no letters to its customer 's denying loan modification and schedules foreclosure sales in midst of loan modification process. 

2. Still engages in wrongful foreclosure sales in lieu of helping homeowners save property. XXXX 3. Hang up the phone on customers 4. Unlawful possession, i.e. burglary of homes and put lockboxes on doors, criminal trespass, breaking and entering. 

5. Ignored Housing Counselors loan modification paperwork and legal documents regarding homeowner loan issues. 

6. Sends out general form letters that do not inform the customer of status of loan modification. 

7. Does not properly notify homeowners of foreclosure actions with the court. 

8. Lies to the court that they have filed proper notices of foreclosure sale to the homeowner, i.e not providing, certified return receipt signed by homeowner as required by Maryland law. 

I am requesting the foreclosure sale be stopped immediately. I am being discriminated against and treatly differently from other homeowner and by Ocwen who has refused to give me a Trial Modification or a denial letter. This is a pattern practice of denying me a loan modification that occurred with Litton who is also apart of the CPFB federal lawsuit. 

Several emails have been sent to a XXXX XXXX, XXXXXXXXXXXX. Today, I spoke with customer Reps. XXXX and XXXX who did n't have any information to help me. 

As this is an urgent matter due to foreclosure, PLEASE DO NOT GIVE THIS COMPLAINT TO THE XXXXXXXXXXXX who does nothing to resolve any problems and nothing but a Rubberstamp with Ocwen. AS THEIR IS A JUDGES FEDERAL CONSENT ORDER, I am requesting your intervention as you have brought legal action in federal court and have the enforcement authority to make Ocwen stop the foreclosure fraud, mortgage servicing abuses and unfair business practices. 

Please find attached documents. Any questions, please contact me at XXXX or email address at XXXXXXXXXXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed