Consumer complaint received 2017-07-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying for years to get a modification on my mortgage.  Ocwen approved it for about XXXX and my income is only XXXX.   This was ridiculous and XXXX. I tried again they told me I didn't make enough money and denied the modification.  I decided to sell the house thru a short sale.  I got a few offers and sent the best one in.  I've never heard from any one at Owen accept for a letter in reference to that offer and nothing so they were taking sooo the buyers walked and another offer was sent.  I called for several days and got nowhere.  Someone finally answered and told me that they will get in touch with the person assigned to the account.    The same day XXXX XXXX emailed stating he was waiting on my realtor to reply about the first offer.  He was advised they walked and there is another offer.   I asked what was needed so that I could make sure my realtor sent the info to him asap.  I emailed to let him know my realtor was out of town returning the following week and I will make sure he get the missing information to move the process along. He was advised the current buyers are waiting for an approval. All this happened on XX/XX/XXXX.  So then I receivef a letter stating that I canceled the short sale.   I ABSOLUTELY DID NOT CANEL THE SHORT SALE.  I DID NOT SPEAK WITH ANYONE OR SEND IT IN WRITING THAT I DIDN'T WANT TO CONTINUE WITH THE SHORT SALE.. THESE PEOPLE ARE LIARS.  I WANT A COPY OF THE PHONE CALLS WHERE I HAD A CONVERSATION SAYING THAT..I WANT A COPY OF WRITTEN REQUEST STATING THAT.  They have reported my house was in foreclosure when it wasn't.  I've requested documentation for the denial of the modification.  I have requested several times to speak with someone whose 1st language is English and was refused EVERY SINGLE TIME.  I'M looking for results and to date I have been given the run around. Please help me.  I am not you to stop this time and if I have to get an attorney I will.  I tired of the abuse from their reprentatives and XXXX XXXX and XXXX.  And this is just the minimum of what has happened. Below is a copy of the email with the agent. I also called him with no response before I sent this complaint.   I DON'T KNOW WHAT TO DO.  I HAVE PUT 1000 PERCENT IN THIS MATTER.


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Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.

 

I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.

 

Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.

 

Thanks

 

XXXX XXXX. XXXX  | Loss Mitigation,  Negotiator

Ocwen Loan Servicing, LLC

XXXX XXXX XXXX XXXX XXXX  | XXXX, Texas XXXX

P: XXXX XXXX | F: XXXX XXXX 

Email: XXXX  | XXXX 

 

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This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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OMG yes XXXX,  I don't know why she didn't respond to you for something simple as that.  Please review the the last offer sent you all because this
has been a nightmare.  I want to sell the property.  How can we get this moving forward without interruption?  Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru.  I thought we would have closed and they would been paid by now.
Please help XXXX. 
Hide quoted text

On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX"  wrote:
Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.

 

I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.

 

Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.

 

Thanks

 

XXXX XXXX. XXXX  | Loss Mitigation,  Negotiator

Ocwen Loan Servicing, LLC

XXXX XXXX. XXXX XXXX XXXX  | XXXX, Texas XXXX

P: XXXX XXXX | F: XXXX XXXX

Email: XXXX  | XXXX 

 

********************************************************************************************
This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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Ok I will make sure you get the info.  She is on vacation until Monday but I will email her right now and text her.  As far as the HOA, they responded back and they are waiting on the approval from you all.  I'm just hoping the buyers don't walk again.  Thank you.  I will follow up with you on Tuesday to make sure everything is received.
  Thank you for getting back with me.  I appreciate it.
Hide quoted text

XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX"  wrote:
Hello- I have emailed your realtor for the docs that we need at this time. We need

 

Proof of funds from the buyer

 

HUD

 

License from both buyers and sellers agents.

 

In regards to the HOA , there is nothing we can do about that at this time.

 

XXXX

 

From: XXXX  XXXXl [XXXX] 
Sent: Wednesday, XX/XX/XXXX XXXX XXXX
To: XXXX, XXXX XXXX
Subject: Re: XXXX XXXX

 

OMG yes XXXX,  I don't know why she didn't respond to you for something simple as that.  Please review the the last offer sent you all because this

has been a nightmare.  I want to sell the property.  How can we get this moving forward without interruption?  Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru.  I thought we would have closed and they would been paid by now.

Please help XXXX. 

 

On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX"  wrote:

Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.

 

I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.

 

Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.

 

Thanks

 

XXXX XXXX. XXXX  | Loss Mitigation,  Negotiator Ocwen Loan Servicing, LLC

XXXX XXXX XXXX  XXXX XXXX  | XXXX, Texas XXXX

P: XXXX XXXX | F: XXXX XXXX

Email: XXXX  | XXXX 

 

********************************************************************************************
This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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Hi XXXX did you ever  receive the missing information?
Show quoted text
Hello XXXX,
I am confused about a letter I received about the short sale denial.  Why would y'all say that I withdrew the application as I have never had a conversation with ANYONE ABOUT WITHDRAWING YOU ALL ARE LYING ABOUT ME.  I AM WAITING ON AN APPROVAL FOR THE OFFER THAT WAS SUBMITTED.  I WOULD LIKE A REDPONSE about the offer.  I never never never withdrew the short sale.  
Hide quoted text

On XX/XX/XXXX XXXX XXXX, "XXXX XXXX"  wrote:
Hi XXXX did you ever  receive the missing information?

On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX"  wrote:
Ok thanks

 

XXXX

 

From: XXXX XXXX  [XXXX] 
Sent: Wednesday, XX/XX/XXXX XXXX XXXX
To: XXXX, XXXX XXXX 
Subject: RE: XXXX XXXX

 

Ok I will make sure you get the info.  She is on vacation until Monday but I will email her right now and text her.  As far as the HOA, they responded back and they are waiting on the approval from you all.  I'm just hoping the buyers don't walk again.  Thank you.  I will follow up with you on Tuesday to make sure everything is received.

  Thank you for getting back with me.  I appreciate it.

 

On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX"  wrote:

Hello- I have emailed your realtor for the docs that we need at this time. We need

 

Proof of funds from the buyer

 

HUD

 

License from both buyers and sellers agents.

 

In regards to the HOA , there is nothing we can do about that at this time.

 

XXXX

 

From: XXXX XXXX [XXXX] 
Sent: Wednesday, XX/XX/XXXX XXXX XXXX
To: XXXX, XXXX XXXX
Subject: Re: XXXX XXXX

 

OMG yes XXXX,  I don't know why she didn't respond to you for something simple as that.  Please review the the last offer sent you all because this

has been a nightmare.  I want to sell the property.  How can we get this moving forward without interruption?  Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru.  I thought we would have closed and they would been paid by now.

Please help XXXX. 

 

On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX"  wrote:

Hello= I am the agent working the short sale on this file. I have been communicating through equator with your agent.

 

I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.

 

Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.

 

Thanks

 

XXXX XXXX. XXXX  | Loss Mitigation,  Negotiator

Ocwen Loan Servicing, LLC

XXXX XXXX. XXXX XXXX XXXX  | XXXX, Texas XXXX

P: XXXX XXXX | F: XXXX XXXX 

Email: XXXX  | XXXX 

 

********************************************************************************************
This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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********************************************************************************************
This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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Company response to consumer: Closed with explanation