Consumer complaint received 2018-05-29
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was having an issue with XXXX tenants in my XXXX family home and I was in fear that I might be late with my mortgage due to the tenant eviction process that was taking me several months before I can evict my tenant. I recently made a loam modification and did not want to fall behind on my mortgage. So I contacted Ocwen Loan servicing to see if I can make any adjustments to make sure I do not fall behind on any payment. I was told that I can set up a temporary repayment plan to avoid any late payments on my account. As per my initial modification plan states that if I am late I will not be able to get any forbearance that was agreed as part of my modification so this was very important. On the first week of XX/XX/XXXX I set up a repayment plan with Ocwen. I was told specifically NOT to pay my up coming monthly payment and to make a payment for the new amount the next month. XX/XX/XXXX came I tried to make a payment to Ocwen Loan. But I was told that there was some mistake and the repayment plan did not go through and it was the fault of Ocwen. After that point Ocwen Loan made me 2 months late on my mortgage because they told me not to pay my monthly amount so I can pay the new amount in the upcoming coming month. because this plan was not set up properly by the bank I was now 2 months late and I was advised my Ocwen to set up a new repayment plan to avoid any late fees and other even though this mistake was not my fault. I set up my 2nd repayment plan and was approved and told how much to pay and again I was not to pay the current month as the new repayment plan was set up with a new payment amount. So now In XX/XX/XXXX I was to pay the new amount and Again before making I called Ocwen to make sure I have the correct payment address and they told me on the phone call that my repayment plan was not properly put in by the Ocwen rep. and that my payment plan was not approved. I was NOT sent any type of verification or letter or phone telling me this. Now because of Ocwen was loan was way past 90 days late on payments totally because of Ocwen loan servicing. I again tried to make a repayment plan which again did not end well. I also tried to contact their research Dept to find out a response on why they made this mistake and why I was not contacted but their response which took weeks for them to get back to me and was not in the legal time limit for them to respond to my request but after finally receiving info on my request. Ocwen acknowledges that they error was on their part and all I received was an apology. I was having a difficult time because I was going to be 1 month late now because of ocwen I was going to be over 3 months late and my payment was going from {$2300.00} per month to a crazy amount of {$3800.00} per month and they basically told that I will be in foreclosure weather it was the fault of Ocwen or not and if I don't pay I will be in court proceeding. I feel Ocwen loan servicing has purposely tried to place my account into foreclosure and force me out. I have so much paper work and details of every account, which I might have not fully explained in this brief account of what happened. But I would like the opportunity to fully explain and provide documents to prove my description. I would also like to say that Ocwen Loan has also acknowledged their mistake in writing to me which I also have, please email back or contact me to further discuss and provide documents of my account, many thanks

Company response to consumer: Closed with non-monetary relief