Consumer complaint received 2017-04-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen essentially, by their systematic practices of giving customers the runaround, ignored my complaint and their own mistakes from the start of my journey back in  XXXX   XXXX , which started with my request for my Tax history information for the period  XXXX - XXXX . This information was supposed by be drawn from Ocwen 's Tax history  ( its  own proprietary management systems ), and not " third party 's '' source or an amalgam of sources for the period in quest ion. Ocwen 's has ab jectly failed on this point, and it has orally and in writing given false information to me by stating that it only possessed tax history from  XXXX   XXXX ,  XXXX  ; however, have I received tax information from  XXXX   XXXX ,  XXXX  to  XXXX   ( un verified ). Significant harm has been done here, as I have made multiple complain ts Ocwen 's deficiencies. Ocwen 's policy  handbook seems devoid of the definition of " escalation ''., " Escalation Rel ationship Manager '' are policy only , not proactive procedures to adequately resolve the complaint or escalate the call for investigation.     I have no way to duel check, balance or assess the vetting processing with a third party 's details, because I did not received any  XXXX  or statements of  my Property Tax Disbursement (  when due and paid ). There is a total lack of transparency here, which is compounded by Ocwen 's continual attempts to confuse and convince me that it is not responsible for the apparently lost details and history it has failed to provided . Ocwen has als o failed to send us any accurate periodic statements detailing how Tax charges were applied, leaving me in the proverbial dark. This kind of treatment is belligerent. This i s the 21st century  and regulatory practices demand that  the money trail b e followed.     Besides all the abo ve, Ocwens an d its attorney,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , have taken shortcuts and preemptively initiated a foreclosure proceeding without first forwarding the Notice Of Collection subject to the Fair Debt Collection Practices Act ( FDCPA ). There is also a bright line prohibition against servicers engaging in unfair, deceptive, and abusive acts and practices related to mortgage debt collection activities. Furthermore, it warrants mentioning that, in my case, Ocwen engaging in the same behavior for which it was fined hundreds of millions of dollars in  XXXX  of  XXXX , along with other institutions such  XXXX ,   XXXX    XXXX   XXXX ,  XXXX  and other governing entities by the Independent Foreclos ure Review ( IFR ) i.e ., Ocwen is preemptively, under false pretenses, and without regards to the regulatory and compliance procedures initiating and pursuing a foreclosure action. I also received a settlement from a class action suit in  XXXX  for this same extremely deceptive conduct, which is a flagrant violation of proper practices, procedures and regulations. The same gave us ( the consum ers ) thirty ( 30 ) days t o answer with a dispute to the Notice.  XXXX   ( Ocwen )  ignored this step and filed before that deadline a Summon in New York State  XXXX  Supreme Court before that deadline. Ocwen has been a repeat offender with this illegal practice and violation of regulatory standards. This ultimately is costly and also violates mortgage servicing processes.     ***I am requesting a copy of the Notice Of  Collection, whi ch was never received. **** I have attached proof and corroborative details that Ocwen has engaged in significant, culturally pervasive, and systemic misconduct as I engaged with four of their departments on my mortgage servicing process. I believe the evidence will show that Ocwen 's behavior toward me is nothing less than unfair, deceptive, and abusive. Ocwens deficient foreclosure policies and procedures violate basic protocol.

Company response to consumer: Closed with explanation