Consumer complaint received 2015-06-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was told by Ocwen, I did not qualify for modification, please see attached decline letter from Ocwennd previous Complaint filed XXXX. Throughout this process, I 've had XXXX and have not worked for the past XXXX months my husband is on XXXX, and we have decided to sell the property. We 've been in escrow for the past XXXX months and granted a short sale approval several months ago. The buyer had problem financing the property because it was next to an oil pump, so they had to go with a new lender and was able to get financing. Our realtor asked Ocwen for new extension and was declining due to the Hud one not reflect the original payoff amount going to Ocwen, which was an error on escrows part. We made the corrections and still have not received it after XXXX months, and I 'm being told now that I do not qualify for a short sale because I 'd make too much, and they want to review my financial documents again but are asking me to resubmit everything again which I have already done and I was denied a modification. The buyer has spent money already on appraisals and have been very patient with us for the past XXXX months ; it appears Owen is just trying to foreclose and is not working in good faith. My Realtor has ask Ocwen, to send him in writing what they want at this point but they have n't, and keep tell him they have submitted a request ... .that 's been for the XXXX weeks. I resubmitted everything Ocwen requested and still as of today my agent was told by Assigned Negotiator ( Agent ID XXXX ) what was requested by ( Agent ID XXXX ) on XXXX/XXXX/2015 was n't correct and more was needed. He told my realtor, after my realtor explained to him he sent over exactly what was requested he would call him back tomorrow to double check. Also my realtor asked Ocwen, to send him in writing what was needed by fax or email and has not got anything sent. I was asked by my realtor to call on XXXX/XXXX/2015 to call and see if anything was still needed and I was told by ( Agent XXXX XXXX ID XXXX ) NOTHING was needed. My realtor called back XXXX minutes later and was told by Agent ID XXXX ) some documents were needed and that ( Agent XXXX XXXX ID XXXX ) tell me XXXX prior that these documents were needed, which is n't true. They wanted me to explain the new financial statement because I should my husbands XXXX so they wanted an award letter showing it was his not mine and an explanation about my son he gives me {$700.00} a month cash for bills and food, everything was send by email to Ocwen on XXXX/XXXX/2015. My realtor got a call today by Assigned Negotiator ( Agent ID XXXX ) that Ocwen still need an award letter for Me and blank financial statement since I had no income? My realtor explained to him what was requested and there was no award letter for me because my husband not I that received XXXX, he also ask why are they asking for something different today then from last XXXX and all we needed was and extension because short sale was already approved. He put my realtor on hold and told him he 'll call him tomorrow, my realtor again ask to send all request in writing by fax or email, and why have n't he received it yet after XXXX months. His response was he is the Assigned Negotiator but can only communicate by phone and had to request it be sent by other department, and would take XXXX to XXXX hour. But that 's what he 's been told when he request they send what they need in writing. Please see attach Short sale approval letter, Request for extension, Denial of short sale extension due to income being to high and payoff to low, copy of letter from Ocwen that I did n't qualify for modification and short sale was my only option. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation