Consumer complaint received 2018-01-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX ( 0 minutes ago ) IT WOULD, ALSO, BE FAIR FOR ME TO BE AWARDED COMPENSATION FOR ALL THE MORTGAGE COMPANIES XXXX, XXXX XXXX  , XXXX XXXX. XXXX XXXX  AND XXXX, ETC. XXXX OF THEM, BANKS, SERVICING COMPANIES THAT FLIP AND BUNDLED AND SOLD MY LOANS. OFTENTIMES, WHEN THEY CHANGED HANDS I WAS NOT NOTIFIED AND WHEN I WAS PAYING NOTES, THE OLD MORTGAGE COMPANIES KEPT MY PAYMENTS AND DID NOT TURN THEM OVER TO NEW MORTGAGE COMPANY AND THEY DEMANDED I PAY AGAIN, TWICE. 

to me OCWEN IS BREAKING THE FDPCA -- FEDERAL DEBT PROTECTION COLLECTION ACT BY FILING A CLAIM AGAINST ME, THE HOMEOWNER ON A STALE TEXAS 4 YEAR STATUE OF LIMITATIONS TIME-BARRED DEBT. WILL YOU, THE CONSUMER FINANCE PROTECTION BUREAU, CITE OCWEN FOR VIIOLATIONS? WILL YOU PROTECT THE HOMEOWNERS OF AMERICA WHO ARE UNJUSTLY MISTREATED? 

DID YOU KNOW @ XXXX HOMEOWNERS HAD HOUSES FORECLOSED ON IN PAST 6 OR 12 MONTH PERIODS IN U.S? YOU, CFPB, ARE SUPPOSE TO PROTECT US. 

Thursday, XX/XX/XXXX and Wednesday, XX/XX/ *****THIS LETTER SERVES AS NEWLY DISCOVERED EVIDENCE AGAINST OCWEN LOAN SERVICING, AND IS EVIDENCE OF WRONGDOING AND THEM BREAKING FEDERAL TRADE COMMISSION AND CONSUMER FINANCE RULES AND DEPARTMENT OF SAVINGS AND LOAN RULES : ***** I. I allege that Ocwen is retaliating against me and denied my loan modifications after promising me to work with me, and stated they would definitely give me a loan mod, because : 1. Ocwen found out through letters agencies sent to them that I filed complaints against them ; only, then, suddenly, they denied my loan mod. 

2. I allege also, that Ocwen is discriminating against me, because I am on a fixed income. 

3. The Legal Disclosures regarding Notice regarding Credit Discrimination states : " The Federal Equal Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age or because " all or part of the applicant 's income derives from any public assistance program '' or because the applicant " has in good faith exercised any right under the Consumer Credit Protection. The FTC -- Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580 is the federal agency that administers compliance with this law concerning the creditor. 

II. I HEREBY STATE THE ABOVE STATED IS EVIDENCE TO ADD TO MY FILE TO RE-OPEN MY CASE, OR ISSUE ME A NEW CASE BECAUSE I ALLEGE OCWEN IS DISCRIMINATING AGAINST ME, BECAUSE OF : 1. age-I am an elderly XXXX XXXX XXXX woman. 2. marital status -- I am not married 3. public assistance programs -- I get small XXXX and a social security check monthly and monthly food stamps, and 4. I exercised my my right under the Consumer Credit Protection Act. 

TO THE OCWEN LOAN MODIFICATION DEPT AND RELATIONSHIP MANAGER : THIS LETTER SERVES AS MY APPEAL FOR MY LOAN MODIFICATION YOU DENIED ON LETTER DATED WEDNESDAY, XX/XX/ OCWEN SENT TO ME. 

Your rules state I have 30 days to appeal ; thus, this letter is serving as my appeal to your denial of my loan modifications. 
Some of your information might be incorrect ; thusly, I am asking you to review my information again for my loan modification. 

I am, also, asking you to solve this matter in all fairness to me by giving me the deed and title to my home, asap free and clear and to cancel my debt on this loan with Ocwen Servicing Loan you say I owe, as the 4 Year Statue of Limitations and Time-Barred Debt is in affect on my loan, and you have no right to bring any negative procedures against me. This account is still under litigation. 

I am considering my other LIMITED options I have with your company. Right now, I am requesting you to send me a " Short Sell '' packet and all the instructions for a short sell. Yes, I do have a realtor, and I do have a BUYER for my home, IF YOU REDUCE THE TOTAL AMOUNT OWED, SO I AM ASKING YOU TO SEND ME A PAYOFF STATEMENT AND TO CANCEL THE MAJORITY OF THIS DEBT, AND PERHAPS CANCEL {$300000.00} OF THIS DEBT OR TO JUST VOID THE TOTAL DEBT AND GIVE ME MY DEED/TITLE FREE AND CLEAR TO MY HOME. 

AGAIN I AM ASKING FOR SEVERAL THINGS. 

1. Reconsider a loan modification you denied, again, after you promised one to me, before I made my complaints 2.  Give me the title/deed to my home free and clear. 

3. Send a complete Ocwen Loan Servicing short sell packet to me.

4. Send me a greatly reduced payoff statement. 

XXXX XXXX Account No. XXXX XXXX

Company response to consumer: Closed with explanation