Consumer complaint received 2015-12-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job in XXXX of XXXX with a last day worked of XXXX/XXXX/XXXX. I notified my mortgage company ( Ocwen Loan Servicing Inc ) of this occurrence and was told that they would modify my loan to help me out. I provided all requested information in XXXX XXXX. Upon responding via notified application, I was told that it was a forbearance vs a modification. At this point, my assigned Relationship manager stopped being available to meet with me. I was told by another agent that the forbearance would be in effect for 1 year ( ending XXXX XXXX, XXXX ) and that the interest would be put on the end of my mortgage and be re-evaluated at that time. Nothing has gone as they stated with this company since I was unable to make the original mortgage payment. I made each specified payment including a full payment which was gifted to me in XXXX of XXXX. Ocwen began calling & harassing me before the Forbearance ended AND they returned my XXXX payment of {$280.00}. In XXXX of XXXX, I had to undergo XXXX XXXX for the removal of XXXX and was unable to work, therefore unable to collect unemployment. When I began further discussions with Ocwen, they informed me that I had defaulted on my loan. I had an attorney appointed to me through the support of the XXXX ( XXXX XXXX XXXX for XXXX ) organization who provided them with letters as well as my physician of my inability to work. I completed a modification application with them in XXXX of XXXX. Still no sign of my assigned Relationship Manager. At this point, Ocwen began schedule meetings with me every 2-4 weeks to discuss the progress of my application. There was ALWAYS something missing or more information was needed. I have only spoken with my assigned Relationship Manager XXXX time in XXXX XXXX which I was accompanied by a mortgage counselor. I have provided every request on my income as well as physical status to them. I speak with a different Relationship Manager each time. I have met with Ocwen via scheduled conference calls XXXX times since XXXX. They requested an updated application after telling me several times that they had everything they needed. I complied even after telling me on XXXX that the latest documents had been received, my applicaiton was under review and that an answer would be provided during the next meeting on XXXX. In spite of undergoing medical treatments every 6 weeks, I have met every request and only missed XXXX meeting due to a medical ER. Ocwen came back on XXXX and told me that my application was missing parts and that I had to re-submit. We requested to speak with a manager. The manager informed us that the application had expired & I sent in updated dates to them along with a 'Profit/Loss ' statement of income which had already been sent to them on XXXX, XXXX, XXXX & XXXX. Ocwen then came back and requested a copy of my XXXX income tax. I explained that I had not filed for XXXX as XXXX had not yet ended and they asked for the latest on XXXX. I complied. Ocwen has still not completed my modification application and on XXXX requested a 'Statement of Wage Income ' letter. Ocwen continues to send me letters of default & call me along with other attorneys & collection agencies even though they KNOW I am working to modify. They are constantly requesting the same information but in a different format. I do not believe they are genuine about helping me keep my home. Their is a tremendous language barrier as I have only spoken with XXXX representatives who speaks clear XXXX. Each time I request my assigned relationship manager, they state to me that I am refusing the call and requesting a new call. NOTHING I have done has been good enough and I truly fear that I may lose my home because of they way they do business.

Company response to consumer: Closed with explanation