Consumer complaint received 2017-02-13
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have just paid {$9200.00}, or three promptly made trial payments of {$3000.00} in hopes of finally securing a home loan modification, something I have been systemically denied since XX/XX/XXXX. Based on the fraudulent practices I have had since XX/XX/XXXX with your clients servicer, it 's best to put my concerns in writing, notify appropriate parties of such, versus having discussions by voice with Ocwen which are not documented. 
To this date I have not received, but expect confirmation of the following : Written confirmation of all three payments made and received in a timely manner, The acknowledgement of the signed affidavit that I sent to you, which documents that I have been approved for a loan modification. I first sent this affidavit to Ocwen in XX/XX/XXXX, it 's now approaching XX/XX/XXXX! 
The servicers voicemail does acknowledge the last two payments of {$3000.00} were made, but not the first. The voice mail also states that another payment of {$3000.00} is again due on XX/XX/XXXX!! This voice mail directly contradicts the amount I was offered and agreed to pay in writing included in a new modification on this property with payments due of {$2900.00} starting also XX/XX/XXXX!! So going forward, which amount will it be!?!? 
The modification package also states " After all trial payments have been made, funds received toward payments prior to the permanent modification being processed ( how long does that " processing '' take and where is the acknowledgement of payments made after processing?? ) will be deposited ( when?? ) and applied ( when?? ) toward the amount due after the modification is executed. I would like acknowledgement of these actions prior to making additional payments due XX/XX/XXXX. 
Also confirmation prior to mailing of additional payments of removal of ALL late fees, based on language provided by Ocw3n in the modification documents : New Principle Balance " If you fulfill the terms of the trial period including, but not limited to, making any remaining trial payments, submitting all the required documents ( or should we say, " receiving '' the required documents?? ) and the conditions in such documents are satisfied (??? ), we will waive ALL late charges that have accrued and remain unpaid at the end of the trial period. The late charges on this property amount to {$250000.00}. I would like acknowledgement of these actions prior to making additional payments due XX/XX/XXXX. 
I mailed back to Ocwen, on XX/XX/XXXX a XXXX page HAMP Modification package, I have not seen or heard the results of that mailing and frankly, I am afraid to inquire of its whereabouts! As you will agree, I sent to you by email a copy of the signed affidavit, dated XX/XX/XXXX, after sending it to Ocwen by email and snail mail four times! I would like acknowledgement of these actions prior to making additional payments due XX/XX/XXXX. 
So in short, I am expecting to have all late payments removed now that the three trial payments have been made, and all documents have been submitted, however again I caution, " received '' is another matter. I would like acknowledgement of these actions prior to making additional payments due XX/XX/XXXX.

Company response to consumer: Closed with explanation