Consumer complaint received 06-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: The complaint is on Ocwen Financial Corporation, a mortgage servicer, and its contractor for foreclosure-related services, the law firm XXXX XXXX XXXX XXXX XXXX XXXX. Ocwen assumed Litton Loan Servicing 's interests in XXXX. I filed complaint against Litton shortly before that time on what are virtually the same grounds on which this is based. In the first few months of operation, Ocwen did NOT have us speak with qualified customer service representatives who where familiar with the accounting process there. Instead our calls were routed to a rent-a-center in XXXX with operators having no real knowledge of procedure and no direct access to our records. The XXXX personnel were difficult to understand at times due to a XXXX accent or use of terms not in our own vernacular. After Ocwen was made to dispense with those representatives, several months passed before we received ANY communication from them, via mail or phone. Also Ocwen has repeatedly mishandled or discarded documents sent to them with the claim that they were not received or sent in on time ; and anything having to do with application for the HARP / HAMP loans was ignored or given undue opposition. There were several instances in which I should have qualified but was turned down flat if not previously stymied by " missing '' documents. I was allowed to seek a reverse mortgage as a remedy to the default on XXXX to XXXX occasions ; but though approved on each occasion things fell through at the last stage due to " discovery '' that the reverse mortgagee and the current mortgage company were interlinked by XXXX XXXX. ( A side note - High fees were paid for the application each time ; and XXXX of the banks was XXXX XXXX. ) I believe that Ocwen had knowledge of the XXXX XXXX affiliation in each case though such would not be known to the general public. XXXX recently placed our house up for auction through judicial foreclosure without ANY prior notification of that fact coming from them or Ocwen. I believe it was by accident or careful engineering that word was received through my XXXX Program attorney via e-mail just 26 days before the sale date. XXXX told him that they were unaware of my representation when the same attorney has been had for the 6 years before the attempted sale and proof is had of the previous law firm 's XXXX XXXX 's ) knowledge of my present attorney through saved correspondence with them. ( A side note - I received {$1500.00} in settlement from a class action suit for XXXX 's negligence in handling my documents. ) XXXX also claimed that they were new to the case as an excuse, but proof is had through court records and personal correspondence written that they were on my account for at least 1 year before the exchange had with them at the end of this XXXX. XXXX also claims that it knew the property to be unoccupied and filed a cert with the court to that " fact '' to expedite the sale. A family member has always been at home before ( since the house was built in XXXX ) and since the default and there is usually a car in the driveway. XXXX 's offices are located in XXXX, MD as we are, and are just XXXX miles away. A document Ocwen drafted in XXXX XXXX states that our property is occupied ; while the cert they filed with the court 2 months and 10 days later says it is NOT. Also, my previous personal attorney of record for my bankruptcy involving foreclosure on this same property joined XXXX to go against me. XXXX 's counsel have been extremely negligent either by accident or on purpose. They entered errant dates into the official court record - including what sites the posting of the notice of foreclosure on the house 's front door as being about a month and a half after it occurred. The Order of the Court sent after the mediation hearing grants foreclosure but does not clearly show the judge 's name and misquotes the plaintiff 's name / identity.

Company response to consumer: Closed with explanation