Consumer complaint received 2015-10-19
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case number : XXXX ( now XXXX ) : XXXXSenator XXXX, It 's been about 18 months of filing complaints with the CFPB XXXX still we are no closer to a resolution than when we started. 

Our first CFPB complaint was with XXXX XXXX XXXX who legally IAW RESPA transferred our mortgage to Homeward/Ocwen XXXX. 

In the first CFPB complaint it appears that XXXX XXXX XXXX told CFPB that they may have made an error in the mortgage company that they named in the RESPA Notice but they corrected any alleged error by phone call to us. Their claims clearly were not true and not IAW RESPA the CFPB did absolutely nothing. RESPA requires corrections in writing within specified time limits and since none have been received we continue to make payments to Homeward/Ocwen XXXX who continues to accept and process the payments. 

After the Ocwen Loan Servicing LLC letter which was n't and is n't IAW RESPA we contacted Homeward/Ocwen XXXX by phone and they said that we did n't have a loan with them based on the loan number but they had cashed XXXX processed our preceding payment. 

There are claims that Ocwen Loan Servicing LLC XXXX told the XXXX government that they were affiliates of Homeward/Ocwen XXXX and that they could direct us to make payments to another place based on that affiliation. 

Even if an affiliation exists, under RESPA whenever the mortgage payment name or address or amount is changed a proper legal RESPA notice is required to be sent to us and none has been received changing Homeward/Ocwen XXXX. 

So, because one affiliate does n't have any legal authority to direct payment changes of another affiliate, we filed a complaint against Ocwen Loan Servicing LLC XXXX. 

Ocwen Loan Servicing LLC XXXX appears to contend that they can say and do anything they want relative to mortgages and they are n't afraid of the federal government and their piddly fines. I guess this is why the CFPB does nothing, it is n't worth it. 

The XX/XX/XXXX XXXX XXXX Notice says make payments to Homeward Residential Inc in XXXX XXXX not Ocwen Loan Servicing LLC . Everyone wants our mortgage payment. Seems everyone can send a Notice telling us to change our payment location anytime they want and it apparently is not illegal because nothing appears to ever happen to them. If our mortgage payments are made to the wrong place, it appears the state and federal government does n't care. 

Below is the last we sent to the CFPB. 

XXXX and XXXX XXXX number : XXXX ( now XXXX ) As previously stated every thing remains the same about the non-response from Ocwen to the actual complaint and who has again not addressed the issues and RESPA at all and claims they can send a so-called Transferee Notice saying anything they want in total disregard of the Transferor Notice. 
IF the CFPB rules the OCWEN Notice of XXXX 2014 is lawful, then CFPB must rule that the XXXX XXXX Notice of XXXX 2014 is also lawful and supercedes the Ocwen Notice and payments will be made to Homeward Residential in TX. 
I have presented what the CFPB claims RESPA says and what RESPA itself says and OCWEN IS NOT IN COMPLIANCE. Ocwen again has not made specific reference where we are alleged to have claimed untimeliness and they made false reference to it again. 
The CFPB must decide if XXXX XXXX XXXX Transferred Servicing to Homeward/Ocwen XXXX XXXX as the XXXX Notice claims or Ocwen as Ocwen 's XXXX unfounded and unmatching Notice claims. 
Their attorney and Ocwen claim that Homeward/Ocwen in XXXX and Ocwen Loan Servicing LLC in XXXX are the same identical company so now CFPB must rule on this matter and take the appropriate action while also remembering the XXXX XXXX Notice of XXXX 2014 which supercedes Ocwen 's Notice. We await a CFPB ruling stating both companies with different names and different locations are the same identical

Company response to consumer: Closed with explanation