Consumer complaint received 2016-04-29
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX - XXXX XXXX, XXXX We filed a complaint of discrimination/Race [ XXXX ], against OCWEN Loan Servicing LLC, XXXX XXXX, XXXX. 
We filed for mortgage loan relief XXXX XXXX, XXXX. That 's when we discovered OCWEN was indicating they had control of the note. During the same time period, on XXXX XXXX, XXXX, the Department of Justice announced the Federal Government and State Attorneys General Reach an XXXX Agreement with the XXXX Largest Mortgage Servicers to Address Mortgage Loan Servicing and Foreclosure Abuses, in which OCWEN was a named co-defendant [ see OCWEN attachment ]. 
OCWEN 's behavior was under scrutiny for homes that were sold or taken in foreclosure XXXX XXXX, XXXX thru XXXX XXXX, XXXX. Violations include servicers ' use of " robo-signed '' affidavits in foreclosure proceedings ; deceptive practices in the offering of loan modifications ; failures to offer non-foreclosure alternatives before foreclosing on borrowers with federally insured mortgages ; and filing improper documentation in federal bankruptcy court. Mortgage servicers are required to fulfill these obligations within three years. To encourage servicers to provide relief quickly, there are incentives for relief provided within the first 12 months. Servicers must reach 75 percent of their targets within the first two years. Servicers that miss settlement targets and deadlines will be required to pay substantial additional cash amounts. During this time period, OCWEN was doing the same offenses to me and my family, while trying to keep a low profile as not to show up on the United States Department of Justice 's Radar. 
The following is a short list OCWEN 's wrongdoings : 1. We never signed a mortgage agreement/note with OCWEN Loan Servicing , LLC . 
2. We never received the official turned down 's on the companies letterheads stating we were in fact turned down or did not qualify. 
3. We did not receive any correspondence under " Truth in Lending '' that OCWEN Loan Servicing , LLC had acquired our loan without notice to us in writing. 
4. OCWEN used XXXX ( XXXX ) non-english ( first language ) speaking relationship managers, that acted like they could not discern between " XXXX and XXXX '', which delayed processing our application by weeks. 
5. XXXX XXXX HUD 's primary investigator assigned did not know what and immediate eviction notice meant. I have his statement in writing. 
6. XXXX XXXX HUD 's primary investigator 's supervisor verbally attacked me on a phone conversation summarizing " I was a trouble maker, wanting something for nothing, low life with issues, etc. '' I have emails to XXXX HUD responding to the unprofessional behavior of that supervisor 7. After multiple attempts to strong-arm my family into signing a modification, which would legally give OCWEN control of the note, XXXX HUD switched their ploy, into requesting homeowners insurance that had nothing to do with our complaint, which we objected to giving for that reason. 
8. We received a letter, dated XXXX XXXX, XXXX, from XXXX XXXX XXXX, Regional XXXX Director, Office of Fair Housing and Equal Opportunity, stating the investigation was completed and the complaint dismissed, stating ; " HUD has determined that no reasonable cause exists to believe that a discriminatory housing practice has occurred ''. I find that interesting, due to the fact we were never allowed to give our side under the " auspices '' of the investigation, of what had occurred. We have the emails that state though facts to relevant and credible parties, including XXXX XXXX XXXX, HUD OIG who did not answer our inquiry as to the 100 day estimation of how long the investigation would take, ran over a year. 
9.Furthermore, OCWEN Loan Servicing , LLC conspired with XXXX HUD to ensure they would not be found guilty of discrimination. 
see Addendum

Company response to consumer: Closed with explanation