Consumer complaint received 2015-05-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has for a XXXX time in two years backdated and failed to deliver our Loan Modification documents. Even after the Consumer Financial Protection Bureau has acknowledged and is currently making Ocwen Properly modify these loans. Ocwen has failed to obey the law a XXXX time in its poor, misleading and deceptive handling of this modification and in total violation of the premise of the complaint they are trying to rectify. 
These are unfair, deceptive, illegal, predatory business practices that Ocwen and now its attorneys at XXXX, XXXX, XXXX XXXX XXXX, XXXX. have committed. 
We had a court ordered modification in the XXXX XXXX XXXX XXXX for XXXX XXXX, Florida with Ocwen Finanancial Corporation on XXXX/XXXX/XXXX. We sent Ocwen all the paper work they required. On XXXX/XXXX/XXXX Ocwen sent a letter acknowledging receipt of our loss mitigation application and stated they needed to obtain an updated fair market value for my property. Then Ocwen had the property appraised. Ocwen then mailed us a copy of the appraised Value. On XXXX/XXXX/XXXX they sent a letter thanking us for submitting our application. On XXXX/XXXX/XXXX Ocwen sent a letter acknowledging the receipt of the complete application and stated that we had provided all the documentation needed to evaluate our loan modification. " At this, time your application is complete. You have provided all the documentation needed to evaluate your loan for each modification option or other foreclosure alternative solution for which you are eligible. We will process your request as quickly as possible. " ( Ocwen ) The next Letter we receive on XXXX/XXXX/XXXX Ocwen states the they are unable to offer us a modification because, ; '' You failed to make the Initial trial payment within the required timeframe. ". Now after all of this contact from Ocwen they failed to provide us with any information in regard to any approval of our modification. Never sent a letter, and email, or made a phone call to my cell. 
Failed to contact me within 30-45 days of my approval, which is evident by the letter dated XXXX/XXXX/XXXX stating we failed to make a payment we were never informed of or offered a reasonable chance of making. We never received a payment schedule, approval letter to sign, or even a payment booklet. When I contacted Ocwen about never providing me with any documentation of any approval they ignored the flagrant violation of our consumer rights said they would fix the mistake and allow me to make XXXX trial payment and the problem would be solved. That was 90 days ago and i have not herd back after countless phone calls and emails. Ocwens XXXX number says that my next payment is {$720.00} due XXXX XXXX, XXXX. This is part of Ocwen 's back dating of loan modifications scandal of XXXX. 
Ocwen needs to honor the court ordered modification which they approved and failed to provide me with any documentation of now for a second time. Approval letter, Consent Documents, Payment Schedule, Payment Booklet. How could we possibly make a payment we were never informed of. This is after at least XXXX contacts by Ocwen and not XXXX relating to payments. This is part of Ocwen 's back dating of modification letter 's scandal of XXXX all over again in XXXX. Its extemely unusual that Ocwen ca n't deliver the XXXX a XXXX loan modificatio agreement XXXX now in two years. Instead only recieve and email from XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX a month after the modification letter was dated. The terms have to be realistic principle and interest on {$360000.00} is closer to {$2000.00} a month at 2 % not the {$4000.00} Ocwen wants us to pay. XXXX reasonable and customary payments of roughly {$2000.00} payed to an escrow account to the investor on the loan rather than Ocwen a debt collector stealing and not reporting the payment as is the customary practice at Ocwen. We would like to resolve this matter in a reasonable manner.

Company response to consumer: Closed with explanation