Consumer complaint received 2017-04-27
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THERE HAS BEEN A LAWSUIT FILED AGAINST  OCWEN    XXXX   XXXX   XXXX    _____________________________________________________________________ My name is  XXXX   XXXX   XXXX   XXXX , PA.     My mortgage is wit h Ocwen Loan Servicing  and they are threatening to foreclose on my home and stating that I am missing payments. Which I am not and have bank statement to prove this. I filed a complaint with the Better Business Bureau and CFPB in regards to this matter.     In doing my research, I found that  Ocwen  is notorious for misapplying payments and foreclosing on homeowners even though they were wrong with paperwork etc.     Please see my complaint below along with my attachments regarding my complaint/dispute with Ocwen.     I 'm hoping you will help me with this matter.     I filed chapter  XXXX  bankruptcy in  XXXX  and my mortgage was included in my bankruptcy. My bankruptcy was  discharged  in  XXXX ,  XXXX .  Ocwen Loan Servicing was paid by the trustee each month. I paid my mortgage in full  each month on time!!!!! I received paperwork from  Ocwen Loan Servicing  on  XXXX / XXXX / XXXX  that my mortgage was delinquent in the amount of {$8900.00} for  XXXX  -  XXXX . They are now threatening to foreclose on my home if I do not pay the {$8900.00} by  XXXX .     I have attached my paperwork that I received from Ocwen, from my bankruptcy, my bank account showing my payments and the paperwork that I printed from the Ocwen website.     Also, if they had not received payment from  XXXX  -  XXXX , they would have informed the bankruptcy trustee and my house would have been foreclosed on then!!!!!!!!!!!!!!!!!!     ON  ONE HA ND THEY SAY I 'M CURRENT AND ON THE OTHER HAND THEY SAY I 'M DELINQUENT.     In regards to the information received back to the Better Business Bureau regarding my account, the information that they are stating complete lies made by  Ocwen Loan Servicing. They say in their response that it is not their responsibility to let the trustee know that payments are missing from the home owner. LIES!!!!! If I had missed these many payments, which I did n't, then why did n't Ocwen Loan Servicing begin a Motion  of Intent to Foreclose back when I " missed '' the first payment? Why did n't they  file a Motion ba ck in  XXXX ? How is it that I missed month in between the year, but not a full year. Seems like bad bookkeeping to me. On the website it states for  XXXX  I do not have any payments missing then all of a sudden for  XXXX  I 'm 180 days late?????? It does not add up. I have mad every last payment to  XXXX   (   XXXX   XXXX   before them ) while in my chapter  XXXX  bankruptcy. Again, if   these payments were " missing '' then why was n't the trustee made aware of these " missing '' payments when they were contacted in reference to my discharge. I would not have been  discharged  if my payments to my creditors and/or the trustee were not made monthly. Oh just somehow I " missed ''  XXXX   XXXX ,  XXXX  payment but now  XXXX  -  XXXX  payments? I missed  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  but not  XXXX  -  XXXX ,  XXXX ,  XXXX  or  XXXX   XXXX ? I missed  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  but not  XXXX  and  XXXX  or  XXXX  -  XXXX  or  XXXX ? Oh and just  one  month of  XXXX   XXXX ,  XXXX ? Where are the rest of the months payments for the entire year of  XXXX . And no missing payments for  XXXX ? THIS IS ABSURB AND ALL LIES. Oh I 'm just missing SOME months out an entire year to not pay for my mortgage knowing full well that I could got into foreclosure if I missed a payment????? THEY NEED TO GO OVER MY PAYMENTS AGAIN AND UPDATE MY RECORDS AS I STATED IN MY COMPLAINT. I DO NOT ACCEPT THIS RESPONSE!!!!!     A  XXXX   XXXX  responded back again to the BBB and all he did was submit the same paperwork that he submitted before. LIES YET ONCE AGAIN AND I 'M TIRED OF GOING BACK AND FORTH WITH THIS WHEN CLEARLY  OCWEN IS DECEI VING AND LYING. ALL OF MY PAYMENTS FOR  XXXX  WERE PAID. MY BANK STATEMENTS FOR EVERY PAYMENT IN  XXXX  WERE PAID. OCWEN HAS SENT OU T 5 DIFF ERENT NOTICIES WITH DIRRENT DATES OF OWED PAYMENTS WITH DIFFERENT AMOUNTS. ALSO, THEY HAVE LIED AND SAID THAT FORECLOSURE PROCEEDINGS HAVE NOT STARTED WHEN INDEED THEY HAVE. SEE THAT PRE-FORECLOSURE NOTIFICATION THAT I RECEIVED FROM OCWEN.     My attorney,  XXXX   XXXX ,  XXXX  has been trying to contact someone at  Ocwen in regards to this matter, yet NO ONE at Ocwen will return his call, respond to his faxes or reach out to him.

Company response to consumer: Closed with explanation