Consumer complaint received 2015-05-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN MORTGAE & lt ; OCWEN LOAN SERVICING is BLATANTLY and illegally still doing EVERYTHING that caused the XXXX XXXX lawsuit ( XXXX XXXX 2013 ). They are n't even a MEMBER of the better XXXX ( which in XXXX XXXX XXXX, XXXX they have an " F '' rating ). they have OVER XXXX XXXX XXXX XXXX complaints just there! The internets " RIPOFF REPORT '' has over XXXX XXXX XXXX XXXX complaints. That 's just XXXX of XXXX of different sites that people can complain on, not counting multiplying that number by at least XXXX because of people that HAVE complaints but just did n't report them.HOW ARE THEY STILL IN BUSINESS??? And look up all of the current and pending lawsuits against them. Homeowners are setting up their own webpages to get enough people for another " from what I 'm experiencing right now '' unavoidable hopefully BIGGER class action lawsuit.I have been XXXX for years and no XXXX. They entered me into a loan modification " trial period ''. They blatantly and without ANY regards to the law, any REGARDS towards ruining the lives of the homeowners, ANY regards to the stipulations in the ( XXXX, 2013 ) CLASS ACTION suit, intentionally setting up homeowners to lose their loans. I KNOW. I was n't even behind on my payments. They put me on a " trial '' modification that lowered my payments from XXXX to XXXX. They told me that they would n't lower the interest rate ( 5.875 % ) but would extend the loan to 40 years ( which makes them even MORE money ). You are set up with a " relationship manager '' that you NEVER talk to, always a different person. They are " DUAL CONTRACTING '', where the phone calls ( of course by phone ) are all telling you how good you 're doing and you 're making all your payments on time but you 're getting harassing and threatening LETTERS ( OF COUSE, AGAIN ) WHICH EACH MONTH GET PROGRESSSIVELY MORE INTIMIDATING AND THREATENING. And the PHONE calls I kept expressing my concern why they ( just through the MAIL, what a coincidence ) kept sending, each time more threatening and harassing notices about how far my loan was becoming delinquent. The person on the phone would always say " Oh, do n't worry, you 're doing great! You 're making all of your payments on time. I record phone calls, they ALL NEED TO BE ARRESTED and WHEN ARE THEY GOING TO START SENDING THESE PEOPLE TO PRISON??? AND AGAIN & XXXX HOW ARE THEY STILL EVEN IN BUSINESS???? I 've been in my home 30 years. I live with my XXXX. Because of my XXXX even if I WANTED to I could n't move, XXXX. And I am NOT LEAVING MY HOUSE ALIVE. Especially when I did EXACTLY what I needed to and the modification should have already been approved. They started my trial Ibelieve XXXX XXXX ( maybe XXXX XXXX ). ON XXXX XXXX, on one of my calls, they brought to my attention my federal tax lien, which I 've had for years and have n't been able to pay off yet ( AND WHICH THEY! 00 % KNEW ABOUT BEFORE PUTTING ME ON THE TRIAL MODIFICATION ). They gave me a month to get it taken care of, KNOWING that an XXXX takes at LEAST 3 months. Now, after paying XXXX a month instead of XXXX, they 're saying I owe them OVER XXXX $!!!! ALL of this was INTENTIONALLY done so they could foreclose on my home. How can these people sleep at night? And again,. how can they even be in business???

Company response to consumer: Closed with explanation