Consumer complaint received 2015-09-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has shown a pattern of and established, verified, and confirmed that not only has Ocwen had no intention of trying to keep me and my children in our home, but in fact Ocwen has acted in a way that was deceptive, unethical, and unlawful while seeking to force me into foreclosure while causing severe anxiety and emotional distress to myself and my children. 

Ocwen has at every opportunity tried to use a government program meant to help those whom have fallen on hard times as another tool for increasing their bottom line. Ocwen has at every turn sought to abuse, mistreat and take advantage of me through the company 's unscrupulous, immoral, corrupt, dishonest, deceptive, malicious, cruel, unethical, unlawful, and irresponsible business practices. 

Ocwen 's misconduct resulted in multiple violations of my rights and protections as a homeowner through use of their false, unfair, deceptive, and abusive acts and practices. Ocwen has provided false and misleading information to me regarding the loan, options for modification, and foreclosure. Ocwen has failed to provide accurate and timely information as I was seeking information about loss mitigation, including both loan modification and other options. Ocwen has provided false and misleading information to me about the status of the loss mitigation review, including when my loan was referred for foreclosure. Ocwen has provided false and misleading information to me about the status of the foreclosure proceedings when I was in good-faith actively pursuing a loss mitigation alternative. Ocwen failed to properly calculate my eligibility for loan modification programs and improperly denied my loan modification on multiple occasions. Ocwen failed to properly process my application for loan modifications, including failing to account for documents submitted to them and failing to respond to my request for information and assistance, and as a result, denied my loan modification. Ocwen provided false reasons for the denial of my loan modification. Ocwen has sent me at least XXXX back dated document and continued to list my home for foreclosure even after having received my completed applications on multiple occasions. 

Ocwen provided false and misleading information about my loan and did not, even upon request multiple times, send me the account ledger which I requested until I refused to move forward due to lack of full disclosure on Ocwen 's part. Ocwen provided false and misleading information about my options for modification. I was told by Ocwen employee 's that XXXX does not do any form of principle reduction. I was told to resubmit an application after addressing that Ocwen wanted me to finance more than the home was worth, and upon completion of the second application they reassessed the home at a higher value. Ocwen provided false and misleading information about my impending foreclosure. On multiple occasions when I called and asked about the status of the foreclosure I was assured that no date had been set and that a decision had not yet been made about my application ; however, Ocwen had in fact set a date for foreclosure, listed the property for foreclosure, and listed it in the newspaper all prior to ever making a decision about my application. 

During the application process for my loan modification I was told by XXXX Ocwen employee that I simply " could n't afford my home '' so that Ocwen would not reduce the loan to an affordable amount because they could make more money selling it. I was also told by XXXX Ocwen employee when I stated that the payments were not reasonable, nor affordable for me that I could apply for assistance later if the payments became unaffordable. I was told by a different Ocwen employee that I " should get a raise '' and be able to afford my payments by the time child support ended in less than three years. 

Ocwen never notifies me.

Company response to consumer: Closed with explanation