Consumer complaint received 2018-09-11
Company: Ocwen Financial Corporation
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I would like to file a formal complaint with CFPBA with the hope of finding a legal remedy resolution with Owen loan servicing. 
I applied for a modification in XX/XX/XXXX with XXXX XXXX XXXX, it took them 14 months and me paying an attorney {$2000.00} and a complaint being filed with the OTS. The OTS advised XXXX they had 30 days to modify my home and XXXX sold my loan to Owen loan servicing which took them an additional 8 months and me starting the process all over again. After they modified my home my payment was increased due to me losing my homeowners insurance due to the properly constantly flooding and claims filed with the insurance company, which they were aware of due to the fact I asked to walk away from the property due not receiving a federal truth in lending disclosure at settlement and the home flooding and I was not able to move into it. I WAS advised it had to be resolved thru Arbitration. I was not able to afford the premiums from a new insurance carrier, so Owen charged me an additional {$2100.00} a month which increased my mortgage payment to more than what I could afford and over the 33 1/3 % required for a modification. This caused me to have to file a chapter XXXX bankruptcy to save me from losing my home. I was required to pay {$750.00} month to the bankruptcy court as well as my mortgage payment of {$950.00} a month .Every time I called my payment into ocean bankruptcy department and asked them to process my payment of {$950.00} they would constantly argue with me and tell me that I have to pay {$1200.00} and they would attempt to collect arrearage that was included in the bankruptcy plan. In XXXX of last year my bankruptcy was dismissed because I had 2 XXXX   and could not afford to pay both payments, my bankruptcy was modified and we had a court hearing on XX/XX/XXXX.Ocwen contacted me even though there was a cease and desist on file when I asked I was being called they refused to tell me I advised that I was retained for a bankruptcy and that there is an active cease and desist on my account they representative disconnected the call and I received a another call the same day reading me the attempt to collect a debt disclosure. I advised my attorney of this who seems to not be concerned of FDCPA, TPCA AND bankruptcy violations. I also requested for the mortgage payment and the bankruptcy payment to be garnished from my wages, my payroll department received 2 court orders and somehow stopped the bankruptcy payment and started garnishing my mortgage payment which the bankruptcy trustee never remitted to Owen, this has left me with the trustee awarding Owen a stay and foreclosure of my home. All I have done is comply and tried to do everything I could to save my home. My property was included in the OTS class action law suit and is now currently a part of the TCPA class action law suit. I am trying to understand how a bank can violate so many laws and get I am the one with the damaged credit file to the point I am not even able to fund a place to rent for myself and my XXXX year old daughter, how they can be a part of these class action law suits and pay fines and nothing to myself for their violations. I haven't even received a mortgage statement in 5 years, I need your assistance with making Owen compensate me for these violations I want all the back payments they XXXX  me on taken off my mortgage balance and my home modified correctly. Please let me know if you are able to assist me, I am also currently looking for an attorney that can represent me in suing Owen for these violations if you are not able to assist me. Thank you for any assistance you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation