Consumer complaint received 2015-08-07
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was transferred to Ocwen from XXXX XXXX a few months after I lost my job. I had completed a loan modification and there was not enough time to review it before the transfer to Ocwen. A month later, I asked Ocwen about the paperwork and they denied getting it. Told me to give it another month. In XX/XX/XXXX I submitted the loan modification to Ocwen. They put me off, ask for papers that had previously been filed. Wasted 8 weeks and told me I had been denied because I was on unemployment and that did not count as income. We argued back and forth, the President made the announcement that unemployment was income, so Ocwen had me repeat the entire document. This went on with excuses such as, various papers never arriving again and again and again until time had run out and they told me to start the entire process over again. I was unemployed, my unemployment benefits ran out XXXX, I applied for XXXX but kept getting turned down. I was trying to pay a {$1400.00} mortgage, credit cards, and utilities. I had sold all stocks, bonds, XXXX, cashed in pensions, sold my jewelry and my inherited jewelry and silver to pay the bills.By XX/XX/XXXX I did not have a penny ; Ocwen could have cared less since they had a Foreclosure date of XXXX XXXX. The credit card companies kept saying I did not qualify as a hardship. I had my XXXX hearing date around XXXX XXXX. I had previously applied to the Foreclosure Prevention Fund, but I had not heard anything. I had the XXXX hearing and won XXXX benefits, but the hearing judge denied my {$30000.00} in back pay. Something he does inconsistently, so says my attorney. I caught the judge on the day he denied back pay if the applicant got unemployment six months earlier. Discrimination? On XXXX I was approved for the FPF program who paid Ocwen {$34000.00} in penalties and past due mortgages. I called Ocwen for the five days before the sell date of my home and got sarcasm and a heavy hint that I was lying. On the XXXX, Ocwen sold my home. I called the attorney practice representing Ocwen and told them of the stay since the XXXX and I heard the attorney scream loudly as she dropped the phone and ran out of the room. I was told XXXX XXXX intervened and returned my home to me. OCwen, acting like the bunch of fools they are, called me falling over themselves with the FPF offer and said I now would get my loan modification. Towards the XX/XX/XXXX when the FPF were through with their work, I received a call from Ocwen saying my loan modification was denied. I cried for four hours straight and decided the last thing I could do, the last person on this earth that would help me was the President of the United States, XXXX Obama. I phoned the White House, the gentleman who answered asked what I needed and I burst into tears speaking with him about it. He obviously could tell I was not lying and gave me the President 's personal email address, told me to be brief and to the point and to never use that email address again. Within a few days, a woman from the Treasury Department called saying because of my letter to the White House, she had a team on their way to visit with Ocwen and XXXX XXXX on why almost 2 years had gone by without a modification. Cross my heart, within a month I was modified and now had a mortgage of {$700.00}. Anyone care to criticize the President? Call him names and disrespect him? He saved my life and from the bottom of my heart, I thank him and wish him all XXXX grace on him and his family. Our most Honorable President we have had in years.

Company response to consumer: Closed with explanation