Consumer complaint received 2017-05-17
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX ,  XXXX  To whomever can assist me with this unprofessional, unethical, dishonorable mortgage servicing company, Ocwen Loan Servicing LLC : Timeline of events Ocwens apparent reversal of Reaffirmation Agreement signed  XXXX / XXXX / XXXX  and increase of payment on mortgage servicing loan #  XXXX   XXXX ,  XXXX  After  six months of which the bankruptcy discharge was being held up by Ocwen, the Reaffirmation Agreement for the mortgage was signed by Ocwe n Loan Servicing LLC. This was only with the help and intervention of the  GA District Attorneys office  who intervened when I reported the delay and continued shuffling of people and loss of paperwork provided by Ocwen in the process with my lawyers.      XXXX   XXXX ,  XXXX   Ocwen increased mortgage payment from signed Reaffirm Agreement from {$ 950.00} per month for 254 months to {$1200.00} for an undetermined time frame.      XXXX   XXXX ,  XXXX  I received a call from  XXXX   XXXX   XXXX   XXXX  ID #  XXXX  who advised me he was my relationship  manager  and if I had any questions. I asked him about the loan modification process for the interest rate and he informed me since I was in a mortgage assistance program I did not qualify. At no time did he mention the increase of the mortgage to {$1.00},  XXXX  which had just occurred in  XXXX   XXXX .      XXXX ,  XXXX ,  XXXX  I called  XXXX   XXXX  and after an hour on the phone in wait time and discussion with him he made a request to the Research Department who will do the research into the increase with the Bankru ptcy Dept. He said it would take approximately ten  days and based on their findings they will correct the statement.     The address given at that time for correspondence was :   XXXX   XXXX    XXXX   XXXX   XXXX , FL  XXXX  Th e Ocwen Bank ruptcy  Dept. pho ne number provided was  XXXX  and Fax #  XXXX  I was then transferred to  XXXX  ID #  XXXX  who was rude and tells me the reaffirmation does not change the note. My response was, I can assure you, the  Reaffirmation Agreement signed by Ocwen  on  XXXX   XXXX ,  XXXX  most assuredly changes the payment terms on the mortgage. Otherwise, there would be no need for it!   Since the date of that conversation, no one   at Ocwen has contacted me on the matter or will address why they will not adhere to the Reaffirmation Agreement they signed. I have made two calls to Ocwen since then, I get the circus of transfer, and at this point refuse to speak with anyone there. Documenting everything is the only way to go with them through a third party who perhaps can find and seek the answers and they will not provide to me. Therefore, I am requesting your help. It appears Ocwen will not respond to my concerns and I can no longer continue wasting calls, time and an unending amount of effort with no answers or resolution on the matter.
Once again, as a mortgage servicer ( and I already have a very poor history of experience with Ocwen as my sixth -- and worst -- mortgage servicer on this loan ) Ocwen continues to provide incorrect, biased, rude and delayed answers and treatment to me and any concerns I have about my mortgage with the latest issue being the increase and alteration made to the monthly mortgage repayment as agreed to on the Bankruptcy Reaffirmation Agreement. Additionally, Ocwen will not work on providing ANY form of interest rate loan modification citing the reason as I am in a mortgage assistance program. As of the date of this letter, they continue to send a mortgage statement and demand payment for {$1200.00} from the mortgage assistance company who is lending me the mortgage money to pay Ocwen until I find gainful, sustainable employment.       At this time, I am requesting assistance, guidance, advocacy and intervention with this matter and request th at Ocwen   Loan Servicing  revert and honor the monthly payments of {$950.00} for 254 months as agreed in the Reaffirmation Agreement dated  XXXX   XXXX ,  XXXX  ; that they reverse and waive incorrect fees and/or late fees from  XXXX   XXXX ,  XXXX  ; and apply monthly {$250.00} overages from the time matter began (  XXXX / XXXX / XXXX  ) to future mortgage payments. As of the date of this letter, and the amount of overages charge d by Ocwen  totals {$3100.00}.     This ha  s been going on for a year now. In the event a copy of the Bankruptcy Discharge is required, I can readily provide a copy for you as well. It was only AFTER Ocwen signed the Reaffirmation Agreement that the Bankruptcy was filed and discharged.
Thank you for your time and I sincerely appreciate ANY assistance  , intervention or guidance you can provide in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation