Consumer complaint received 2017-08-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : This is not a duplicate complaint, but an ongoing problem that I have been having with Ocwen Loan Servicing in a foreclosure case in XXXX XXXX Court case # XXXX. The following complaint stems from their unwillingness to work with me and the possible mortgage modification process. Today XX/XX/XXXX I spent extensive time on the phone with the representatives and supervisors concerning this matter, but to no avail. I felt as though they were getting back at me for wanting to find out what the details were of what I had previously asked and was not satisfied with. 

On XX/XX/XXXX Ocwen responded to my request for information that was filed with your organization complaint number XXXX. I requested additional time to review and respond to their findings and was not given that opportunity, WHY? I was told that in XX/XX/XXXX, paper work was sent to me regarding modification, but I never received it, and wanted to have another opportunity to possibly process those paper work, but was told that it could not be done and would not be done. I was told by one of the representatives to contact the attorney of record to ask for a stay on the sale dated for XX/XX/XXXX at XXXX XXXX, but that was an impossible approach because the attorney of record would need to hear from Ocwen and they were unwilling to help us WHY? We wanted an opportunity to review the information they said that they sent me, but I never received it. 

The supervisor would not give me the executive information to speak with them.I was not told whether this was a company policy or not it was not something they were going to do. They further would not tell me who was actually selling trying to sell the house whether it was Ocwen or XXXX XXXX. The cold heart response from this company was not call for and they further stated that they had the original note of which in an earlier response to my request for information, they stated that they did not have it. So, the mix messages and the unclear opinions, and the blatant disregard for our request has led to yet again file this complaint. 

We are aware of the limitations that faces CFPB, but yet their unwillingness to help restart this process was uncalled for. I am aware that Ocwen told the court that they had the note, but did not show me a copy. The third party that they were working with never informed me about these proceedings and now with limited time left they will proceed to sell this property without regards to letting the home owner get another opportunity to do a loan modification. 

Questions : 1. We never asked to get the original note back, we simply just wanted to see under their determined protection of the note method, to see it. Why could they not do this if they say they have it. We believe they lied. 
2. Is Ocwen in the business of helping family keep their homes, or are they in the business of making sure the bank takes away what people have worked for? 
3. Why was it so out of the ball park to ask for another opportunity to possibly do a modification on the alleged loan amount which had inflated cost added to it? 
4. Where are the assignment agreement and documentation of these events placed, because we never received any such consent to have the mortgage reassigned? 
5. Since I was told that XXXX XXXX are the investers, were they the ones who are still collecting on the securities? 
6. Why were they insufficient evidence to go forward on this said case back in XX/XX/XXXX. Case number : XXXX? 
7. I am still at this eleventh hour requesting that this sale be discontinued and that another opportunity be given to rectify the situation. If not why? 

Thank you for the opportunity to file this and your response is greatly appreciated.

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