Consumer complaint received 2017-09-08
Company: Ocwen Financial Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a continuation of a previous complaint. OCWEN Loan Servicing and XXXX XXXX both contacted me and informed me that the error was being resolved and the correction was being made to my credit report. My credit report was suppose to reflect no delinquent payments were ever made on my account but this still has n't been cleared up. Additionally, I was promised a letter stating that this matter was resolved and the exact actions taken to resolve it but have n't received it yet either. Personally, I do n't trust the word of OCWEN Loan Servicing or XXXX XXXX because both have proven to me that I 'm just another number to them so I must protect myself. I 'm tired of making phone calls just to have people provide empty promises or be rude/condescending to me. I 'm a combat hardened Veteran and these so call tough guys are nothing less than thieves who push the common man around. It did n't take them this long to screw my credit up and I 'll be dang if I 'm going to constantly call them to fix it after they 've supposedly resolved the issue.
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX Account Number : XXXX  Ocwens Case Number : XXXX Customer : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX SC XXXX  CFPB Case Number : XXXX Dear XXXX XXXX XXXX : Thank you for contacting the Office of the Consumer Ombudsman. This letter is in response to the recent communication from the Consumer Financial Protection Bureau ( CFPB ) on your behalf. We value your business and welcome the opportunity to review the concerns raised. I have been assigned to thoroughly review your concerns and my findings are outlined below. This letter is in response to your payment and credit reporting concerns. In response to your concerns and the documentation you provided, we contacted XXXX XXXX regarding the payment you made to them on XX/XX/XXXX. XXXX XXXX XXXX XXXX with XXXX XXXX has advised the payment was held by XXXX XXXX because additional information was needed from you to release the payment to Ocwen. Per their records, they received an email from you on XX/XX/XXXX, which included the necessary information and in response this payment and the XX/XX/XXXX, payment were provided to Ocwen. As outlined in my previous response, we are obligated to report the account accurately to the credit bureaus, based on the contractual due date. A the XX/XX/XXXX, payment was not received until XX/XX/XXXX, the credit reporting reflecting the XX/XX/XXXX, monthly contractual payment as past due, is accurate. Thank you for bringing your credit reporting, concerns to our attention. We have researched your concerns and determined no error has been made in relation to the posting of the XX/XX/XXXX payment on XX/XX/XXXX, or the negative credit reporting that occurred as a result of the late payment.. If you believe there is additional documentation relevant to this issue, which was not provided, you may request such documents by contacting me at the address below, directly at ( XXXX ) XXXX, or at the Ombudsman Office via fax ( XXXX ) XXXXXXXX. XXXX XXXX Office of the Consumer Ombudsman XXXX XXXX XXXX XXXX FL XXXX  Thank you for allowing us to assist. Ocwens mission is to help homeowners and we hope this response addressed the concerns regarding the account. If you have further questions regarding this response, you may contact me directly at ( XXXX ) XXXX, or our Ombudsman team at ( XXXX ) XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX ET. You may also contact Ocwens Customer Care Center at ( XXXX ) XXXX for additional information regarding the account. We are available Monday through Friday XXXX XXXX to XXXX XXXX, Saturday XXXX XXXX to XXXX XXXX and Sunday XXXX XXXX to XXXX XXXX ET. You may also find helpful information on our website : www.ocwen.com. Sincerely, XXXX XXXX XXXX Consumer Account Analyst Office of the Consumer Ombudsman

Company response to consumer: Closed with explanation