Consumer complaint received 2016-01-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On early XXXX, XXXX. I received a letter from Ocwen Loan Servicing , LLC . dated XXXX/XXXX/XXXX ( See Attached ) stating that a loan modification denial letter previously send pertaining my application for mortgage assistance may not have contained the gross monthly income used in determining my eligibility. Since Ocwen might not have included the original income in the previous modification letter, Ocwen was offering me the opportunity to dispute the modification decision. I disputed the loan modification decision. I received a respond on a letter dated XXXX/XXXX/XXXX ( see Attached ) stating that Ocwen was denying Loan Modification because the owner of my loan does not allow modification. Why Ocwen encourage me to apply to loan modification if Ocwen knew that owner of loan does not allow modification? In my opinion, Ocwen encourage me to apply to loan modification in order to cover for their mistake stated on letter send on XXXX/XXXX/XXXX and have acted in bad faith. After receiving numerous threating letter from Ocwen, I decided to put my house of 15 years for sale. Ocwen send me a payoff quote dated XXXX/XXXX/XXXX ( see Attached ) valid through XXXX/XXXX/XXXX. On XXXX XXXX, XXXX I requested a revised Payoff quote to be Valid through XXXX/XXXX/XXXX I was told that I was going to receive it in about 5 business days. As of today, I have not received Payoff quote. On XXXX XXXX, XXXX, XXXX XXXX, Senior Escrow Officer from XXXX XXXX XXXX Company requested a Payoff quote from Ocwen to be Valid through XXXX/XXXX/XXXX as of today, XXXX XXXX have not received Payoff quote. Today, XXXX XXXX, XXXX XXXX XXXX called Ocwen and explained urgency in getting Payoff quote today because escrow is closing tomorrow morning, XXXX XXXX, XXXX. During the course of conversation between XXXX XXXX and an Ocwen supervisor from Ocwen escalated department, private sensitive information of me was disclosed by Ocwen supervisor such as loan was in delinquent, time loan was in delinquent, and other personal information that I did not consent to be disclose. My privacy was violated by Ocwen. Supervisor at Ocwen told XXXX XXXX that Payoff quote could not be send today for escrow closing because Ocwen needed to add Attorneys Fees to quote. I know for a fact that my home is not in Foreclosure preceding. I have not received any letter of default. In fact, please look at Payoff quote attached, there are no attorneys fees. Nothing have change. There should be no attorneys fees added to any Payoff quote. Ocwen is holding my escrow closure due to take place tomorrow, Friday, XXXX XXXX, XXXX because they want to add more fees for themselves. Ocwen has been given plenty of time to produce payoff quote. I requested payoff quote back on XXXX XXXX, XXXX. I am not able to close escrow tomorrow due to Ocwen behaving in a dishonest maner in order to collect more money in fees and XXXX. If I do not close escrow tomorrow, I will cost me a lot of money in fees and Interest. I will put more money in Ocwen 's pocket. Please investigate my file asap. I believe my privacy and rights are being violated by Ocwen I need help. thank you

Company response to consumer: Closed with explanation