Consumer complaint received 2017-09-09
Company: Ocwen Financial Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
letter send to ocwen after a modification/ bankruptcy/and non reporting to credit bureaus To whom it may concern/ ocwen loan servicing The reason for this letter is to inform you the following about my loan # My name is XXXX XXXX my property address is XXXX XXXX, Ny XXXX. 
XXXX- The property was purchase on XX/XX/XXXX when the real estate market was at its highest {$790.00} after 3 years we were under water with a our home valued dropping to XXXX and with two loans and a 6. % rate that had also a balloon on one the loans. 
XX/XX/XXXX/XX/XX/XXXX- Recession I try to get a modification wasnt approved then I try to short sell which never occur, the broker that stole my money and left me with a delinquency account and almost foreclosed. 
XX/XX/XXXX- The mortgage payments were high and the only way to get my mortgage out of water was through a bankruptcy that will give the be the opportunity to get the home out of water and a fixed rate with a lower mortgage payment that will match the property actual valued. 
XX/XX/XXXX- XXXX was the company that we started the inicial process with in mid XX/XX/XXXX/XX/XX/XXXX in XX/XX/XXXX the actual bankruptcy was established with the sole purpose of fixing the issues on the loan. 
XX/XX/XXXX/XX/XX/XXXX- XXXX made a proposal plan for when the bankruptcy issued had force them to do a modification that in previous years was denied. 
XX/XX/XXXX- XXXX issue a proposal plan that would give me a trial period of payments of XXXX for 3 months after the completion of this trial and with the result of the bankruptcy agreement the valued of the home was now {$540.00} on a 4.0 % fixed and {$230.00} in 36 years payoff. 
In addition I was going to be able to recovered by credit in accordance to my agreement with XXXX, the credit card agency where going to be reported according to XXXX with the results of my payments. 
XX/XX/XXXX- I never sign any paper work that would made be not liable for the property, The discharge was released on XX/XX/XXXX without no knowledge that their was XX/XX/XXXX/XX/XX/XXXX- Ocwen transition was done in between the bankruptcy issued and the discharge, which in my investigation seems there was a missing piece to the puzzle. Since between that transitions I notice many changes between the payments done while on XXXX and how it was done with ocwen. I also notice my payments were not being reflected into my credit report, it seemed like it was still delinquent and like it was never been paid. I did my diligence by pay on time for over 4 years and my credit reported seem never to change, I was wasnt able to make purchases or even a small loan for a cell phone, this has been both deviating and embarrassing. 
XX/XX/XXXX-XX/XX/XXXX In order to get my credit going I decide to get help from family using them as a primary in order to get a credit line, I was able to see my credit increasing however the mortgage was still not being reported on my credit made things very challenging for me when it comes to recovering my life back in terms to my financial hardship that most American faced because of the market crash. 
For years I been try to figure out what happen to my credit by hiring agents that are specialized with these types of hardships and, my investigation had lead me to understand that something was not done right between the transition with XXXX and ocwen. Many people with the same and with lease amount of years were able to reestablish their lives without having to wait more than 2 years. In my investigation I also found out that my mortgage was never reaffirmed by XXXX or XXXX and I did n't even know I was discharged from the bankruptcy until I call the court to find out. I understand there has been discrepancy and discretely actions done with XXXX and I understand to be another victim. 
I tried another modification recently this year with XXXX which I had also a trial period which I had sucessfuly completed and have been faithfully payoff my mortgage at a resentful payment of {$3300.00}. I really want to continue payment and continued being responsible for my home, however I am extremely disappointed for the hardship i suffered and how negative my credit reporting has affected my life, while I am being responsible with my end and pay my loan on time. 
I only think is fair for ocwen to revisit this case carefully and fix this problem and reaffirmed my mortgage as per XXXX proposal, so that I could reestablished by credit and life again. 
Thank you in advance, and please advice.

Company response to consumer: Closed with explanation