Consumer complaint received 2015-07-10
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dispute attachment ; Case No, ; XXXXVerbal communication ; XXXX 's / Ocwen Ombudsman XXXX ( XXXX ) pmDear XXXX XXXX XXXX : This letter comes as an attachment for your assistance and consideration within the processing and researching of unfair labor practices on the part of our Lender, Ocwen Loan Servicing LLC . / Homeward Residential. Recently I spoke with the Ombudsman Department for our lender who assured me that I would receive a follow up conversation from yourself within a 48 hour period via phone contact. With the hopes of your assistance acting on the part of mediation between the XXXX 's and the Ocwen loan servicing ( Home retention ) department, I was instructed to write you with our concerns. The agent whom I spoke with was both very compassionate as well as helpful toward a possible resolution to the resending of the sale of our Home. We discussed my concerns of requesting the recorded phone conversations of which I provided the date of the agreement and proof of phone record lasting a full period of XXXX minutes which precede the date of sale ; This call ( in my opinion ) was proof of an oral agreement made between myself and Ocwen as documented within the complaint dispute. I assured the agent of our sincere understanding that, we did n't believe Ocwen was accountable but Homeward who made the error during " as he stated the enveloping '' between the XXXX companies which resulted in miscommunication and premature sale of our residence. With two days remaining of the fulfilled and agreed upon date of reinstatement monies paid, the agent provided me with a very important fact regarding the phone recorded conversation. The agent stated that the phone conversation my no longer be attainable but the notes made to the account would most certainly be available ( such as the notes he was taking during our present conversation ). This is the information Ocwen servicing personnel should have been researching as proof of a standing agreement. Honestly I never thought of this, and given all of the time wasted and monies paid defending my families interest this was an extremely bittersweet moment. He informed me as well to speak on particular XXXX talking points which are as follows : It was not our intention to allow our Home to undergo foreclosure and certainly without our knowledge ( given we were assured due to the previous sale date not occurring should be sufficient proofs our loan was under review and the agreement being honored ) and strove earnestly to prevent a foreclosure from occurring. The second talking point was as follows : Given the current changes of our annual income, through a corporate merger between our previous company and a Major contracting firm, our balance of our loan is nearly 50 % of our annual income and that perhaps the C.F.P.B could act as a possible mediator toward a mutual and fair resolution to end this matter and we retain ownership of our home. Ocwen Ombudsman Agent stated he would follow up with a call to me should I not hear from yourself after 48 hours as he would be tracking the progress between the C.F.P.B and the XXXX 's.

Company response to consumer: Closed with explanation