Consumer complaint received 2017-09-14
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN IS PROCEEDING TO FORECLOSE ON OUR HOUSE WITH A SALE DATE OF XXXX XXXX MONDAY XXXX XXXX in spite of having conducted only a sham review of our prior CFPB complaint ( # XXXX, of XXXX XXXX, XXXX XXXX, and in spite of having sent a grossly uninformed and irrelevant response, which is the third such response in a row. More details on this are below. 

-- -- -- -- -- - First, though, under these circumstances, we need immediately : -- -- -- -- -- - 1 ) FOR OCWEN TO STOP THIS XXXX, with a sufficient postponement to conduct a short sale that is not chilled by the prospect of imminent foreclosure. 

-- -- -- -- -- - We then need : -- -- -- -- -- - 2 ) for Ocwens Short Sale department to define a realistic sale price that will be accepted. We have had the house on the market since XXXX with frequent showings, but no offers that reach the level of XXXX we have been given as the required price level. 

-- -- -- -- -- - XXXX ) for Ocwens Loss Draft department to disburse our escrowed insurance funds that, as we have documented, are owed to contractors for repairs on the house. ( Do these funds still exist, or has Ocwen, being insolvent, diverted them? ) -- -- -- -- -- - 4 ) investigation of the XXXX XXXX contractors Ocwen sends to break and enter at our house ( and many others ), who have repeatedly destroyed expensive locksets and stolen our belongings. 

-- -- -- -- -- - XXXX ) a correct number for what we owe on the mortgage. We had the house under agreement for a short sale in XXXX and the mortgage servicer sabotaged the sale by refusing to approve an exceptionally good purchase offer. The great majority of our payment arrears have accrued since that time, and it is not our fault that the house was not sold at that time. 

-- -- -- -- -- - Regarding Ocwen 's response to our recent complaint : I have prepared a copy of this response, annotated for the ways it is deficient and inaccurate ( filename " Annotated Ocwen response to # XXXX. " ). Since the message box of your Feedback site does not take attachments, I am submitting it here. 

-- -- -- -- -- - I have spoken with XXXX XXXX, the author of this latest response, and he turns out to have conducted his review on the basis only of the documents his superiors chose to provide him, WHICH DID NOT INCLUDE THE PRINCIPAL DOCUMENTS AT ISSUE IN THE COMPLAINT. These are invoices and supporting documents from repair contractors, who are owed a total of nearly XXXX in funds held in escrow by Ocwen and whom Ocwen is failing to pay. XXXX XXXX 's response completely ignores the core of our complaint -- that Ocwen persistently neglects to address these 90 pages of documentation we have gone to exceptional lengths to provide, multiple times and he acknowledged to me that despite these documents ' central status in the complaint, he did not concern himself with retrieving those documents from company files, nor even with mentioning them at all ( or the lack of them ) in his response. 

-- -- -- -- -- - We implore you not to accept this sham as a response please stop this foreclosure and require from Ocwen a meaningful review that includes attention to the relevant documentation we have now given Ocwen several times over. This time, although this documentation is large and Ocwen has no excuse for not having it, I am adding that full documentation to my attachments on this new complaint form, as filenames " XXXX invoice docs, '' parts 1-8. 

-- -- -- -- -- - In addition, for reference, I am supplying the files that made up our XXXX XXXX complaint -- starting withthe text in the " what happened '' and " fair resolution '' boxes, and then four attachments they describe, including annotations to the two prior Ocwen responses, which were to complaints filed through the Massachusetts Attorney General 's Office. These files are all flagged as being from the prior complaint by having filenames beginning " 6-20. ''

Company response to consumer: Closed with explanation