Consumer complaint received 2016-02-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX XXXXXXXXXXXX, ( XXXX ) XXXX XXXX/XXXX/XXXX Ocwen, Dispute and Research Department XXXX, XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX, Fax ( XXXX ) XXXX SUBJ : REQUEST FOR CONSUMER RELIEF FROM OCWEN CONSENT JUDGMENT Dear Consumer Finance Protection Bureau : I bought a house in XXXX, XXXX XXXX XXXX, XXXX Ga XXXX from Litton Loan. Account # XXXX - XXXX. 

I got behind in my payments in XXXX. I sent in loan modification requests like the TV said I could do under the law put in place by President Obama. Ocwen and or Litton Loan denied my modification requests, and foreclosed on my property on XXXX XXXX, XXXX. The home was bought by a different buyer on XXXX XXXX, XXXX for {$91000.00}. 

The foreclosure went on my credit report, but was deleted on or about XXXX XXXX, XXXX. On XXXX XXXX, XXXX I was qualified to buy a house, because the foreclosure information was not on my credit with the XXXX credit bereaus. The derogatory credit was placed back on my credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I applied for a new home loan, but was denied credit because the foreclosure was back on my credit, and it erroneously stated that the foreclosure happened on XXXX XXXX, XXXX. 

Currently XXXX is reporting that the foreclosure happened in XXXX XXXX. XXXX is reporting the foreclosure happened on XXXX XXXX, XXXX, and they are also reporting that I have XXXX delinquent accounts, XXXX from Litton and the other from Ocwen, but they are from the same transaction and or occurrence. XXXX is reporting the foreclosure happened on XXXX XXXX, XXXX and they are also reporting that I have XXXX delinquent accounts both from Ocwen, for the same transaction and or occurrence. Since the new reporting, my FICO score dropped about XXXX points from all three credit bereaus. Currently, I can not qualify to buy a house. 

I called Ocwen on XXXX XXXX, XXXX and requested that they take off the duplicative accounts on XXXX and XXXX. They said they would, and they stated they were going to delete all the accounts on my credit reports. I called back today XXXX XXXX, XXXX, and they said they would write me back after they complete their research on or about XXXX XXXX, XXXX. 

In the meantime I did some research on Ocwen on the internet, and I ran across a Consent Judgment. It stated that Ocwen, and or Litton Loan violated the law when they : ( 1 ) failed to provide me with foreclosure avoidance, ( 2 ) failed to account for loan documents, ( 3 ) failing to expedite the approval or denying loss mitigation, ( 4 ) providing false reasons for loan modifications, and ( 5 ) failing to control and provide oversight over the foreclosure attorney. 

Ocwen did not act on or consider a modification of my loan. The Consent Judgment said that there is XXXX XXXX dollars and a XXXX XXXX amount set aside for consumers of theirs like me, if they qualify for relief. 

Please inform me if I qualify for relief, and send me the necessary documents to claim money and actions from Ocwen in accordance with the Consent Judgment. The parameters of the Consent Judgment was from XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Since my foreclosure was from OCWEN/Litton Loan and on XXXX XXXX, XXXX, it appears I meet that criteria. 

Thank you for your attention to this matter. Should you have any questions, comments or concerns, please contact me by calling or texting me at ( XXXX ) XXXX, or email me at XXXXXXXXXXXX, or write me at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation