Consumer complaint received 2016-05-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I received two ( 2 ) separate letters from XXXX XXXX who represent Ocwen, regarding my complaint to the Attorney General 's Office regarding the loan servicer, Ocwen who wrongfully and illegally taking my property as real estate owned ( XXXX ) since XXXX XXXX, XXXX. There was a foreclosure sale cancellation order that was issued on XXXX XXXX, XXXX [ EXHIBIT A ]. Therefore there was no legal conveyance ( transfer ) of property to have legally allowed Ocwen to have taken my property on XXXX XXXX, XXXX as XXXX. 
One letter was directed to XXXX XXXX XXXX ( AG ) and I was copied on the letter. The other letter was directed to me only and apparently sent in response to my CFPB complaint and XXXX XXXX XXXX was not copied. Both letters are attached. 

In the letter to XXXX XXXX XXXX XXXX XXXX stated that " additional information will be provided under separate cover by XXXX XXXX, XXXX, per Ocwen 's request for extension, dated XXXX XXXX, XXXX. I have waited for this additional information and as of today XXXX XXXX, XXXX I have not received anything. I also waited for said additional response to submit with my CFPB complaint # XXXX. 
In the letter to me only and sent to CFPB it stated that on or about XXXX XXXX, XXXX Ocwen received a complaint from me regarding the above-referenced property. This is not a true and factually correct statement. I have been complaining long before XXXX XXXX, XXXX. I have been contacting Ocwen since the day after the foreclosure sale was cancelled on XXXX XXXX, XXXX for which I was told that my property was in their XXXX department. I have contacted Ocwen and made numerous complaints both by phone and by emails. I also received written email from XXXX XXXX XXXX that my property was XXXX [ EXHIBIT E - page XXXX of XXXX ]. 
Not only was I unable to get a loan modification from Ocwen BUT I was not able to get any assistance independent of Ocwen. Investors that I was working with independent of Ocwen were not able to assist me because the property was listed as being owned by Ocwen and not by me. There were people willing to assist me. 
After the Final Judgment for Foreclosure was entered on XXXX XXXX, XXXX I received two ( 2 ) different letters from Ocwen on XXXX XXXX, XXXX and XXXX XXXX, XXXX for me to contact their representative for mortgage assistance [ EXHIBIT B & C ]. 
If Ocwen mistakenly updated its system of record to reflect that Ocwen held the property as XXXX on XXXX XXXX, XXXX then at what point did Ocwen fix a " mistake '' they supposedly made? My first contact to the Bank was on XXXX XXXX, XXXX and I was told that the property was XXXX by Ocwen and I told the representative that that information was not correct because there was a foreclosure sale cancellation order. 

And if this was a genuine mistake by Ocwen why was it never acknowledged and promptly corrected? For over one and a half years nothing was done to fix said " mistake ''. Instead I was told that the only way for me to ever get the property back in my name was for me to repurchase the property and that the property was listed as damaged and not for sale ; the property was definitely not damaged and I got evicted. After Ocwen took the title to the property on XXXX XXXX, XXXX the property was miraculously not damaged and listed for sale with XXXX XXXX XXXX XXXX who stated that they are " acting as an agent for Federal Loan Mortgage for the above reference property on behalf of the seller ''. [ EXHIBIT D ]. 

I did submit a loan modification application for this loan on XXXX/XXXX/XXXX even though Ocwen had the property as XXXX and it was not ackowledge by Ocwen. On XXXX XXXX, XXXX XXXX XXXX sent me a loan modification package for me to fill out and to send back to him. How can I legally fill out a loan modification package if I was wrongfully evicted from the property

Company response to consumer: Closed with explanation