Consumer complaint received 2016-02-01
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
LETTER OF COMPLAINT OCWEN HOME LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ocwen Loan Servicing , LLC Loan Number : XXXX This letter serves as a formal complaint, which is also being filed with the CFPB and the State of Ohio Attorney General 's Office. 

My home is built on XXXX lots. The parcel numbers are : XXXX and XXXX in XXXX County, Ohio. 

When XXXX XXXX assigned my loan to Ocwen Loan Servicing, I experienced problems that were beyond my control. 

1. Working with Ocwen has been an upsetting and frustrating process, as firstly, I was told by Ocwen Representatives not to work with a third party entity such as a HUD approved organization, as they would be able and would help me. So given that I was told this information and they were in control of my loan, I did exactly what they told me to do. 

2. Ocwen through the improper servicing of my loan, caused another hardship for me that could have been avoided. 

My property taxes and homeowner 's insurance were escrowed in my mortgage payments, however, Ocwen did not pay the full tax bill. My home is located on XXXX parcels and Ocwen only paid taxes on XXXX parcel and not XXXX parcels, causing me to become delinquent in my taxes and also my tax lien was sold to XXXX XXXX, XXXX. I had to enter into a payment arrangement, sign a contract with XXXX XXXX, XXXX, and a direct debit payments form to pay them {$410.00} each month to avoid foreclosure for property taxes. 
XXXX, XXXX 's address is XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio, XXXX. 

3. Every time I called Ocwen there was a language barrier with their representatives and I requested numerous times to speak with a representative from the United States to address my file. Never was I given any phone number to call to speak with someone in the United States or transferred to someone that could speak clearly, the English language. 
4. I asked for an mortgage statement from Ocwen for my review and see what was going on with my loan and they said they could no longer send me any account statements due to my filing bankruptcy. I had to file a complaint with the CFPB to get Ocwen to send me a mortgage statement for review. I then saw that my payments increased due to the amount needed to pay the escrow and I they had notified me and then refused my payment via XXXX XXXX and via mail. 
5. When I talked to Ocwen, I was told to work on a loan modification through Ocwen. When I spoke to a friend they told me to contact a HUD approved organization right away to help me with my foreclosure. Now, I am facing a Sheriff Sale on XXXX XXXX, 2016. 
6. Ocwen told me not to work with a third party, as they would directly with me to provide me with mortgage assistance, so I listened to them and did not work the HUD approved agency, as I thought they would help me to keep my home. 
7. I feel that I was lied to, tricked and under minded by Ocwen and by telling me to work directly with them and not seek outside assistance. 
8. I am now working with a XXXX, a HUD approved organization, which has provided me with the foreclosure counseling and explained all the options I could have asked for with Ocwen and did not because Ocwen told me to work directly with them and no other third party entity. I was obedient as they controlled my mortgage and I did what they said to do. 

I am seeking a resolution by asking that Ocwen stop the Sheriff Sale and also to review my file for a positive outcome so I can keep my home. 
I do not want nor deserve to become homeless, as Ocwen messed up on the servicing of my loan, by not paying the taxes due, and I had to pay the property taxes each month in the amount of {$410.00}, which did not help me as they caused the problem. 
I want Ocwen to take responsibility for the hardship caused by them and to STOP THE FORECLOSURE AND SHERIFF SALE

Company response to consumer: Closed with explanation