Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am steadfastly disputing Owens response dated XXXX/XXXX/XXXX under Case # XXXX to my compliant. Ocwen 's response is most certainly neither an appropriate and nor complete response to my complaint ; and I have emphatically denied, and continue to deny, Ocwen flagrantly erroneous assertions that my previous concerns were addressed ( those that was raised in my communication with Ocwen on XXXX/XXXX/XXXX and XXXX XXXX, XXXX ). XXXX XXXX XXXX 's response to my request and concerns, which were clearly and specifically delineated in ten points, is curt, short, and unacceptably far from comprehensive, as it failed to address those aforementioned issues, especially those concerning her department ( Ombudsman Office ). There are too many problems and questions that are unresolved, which makes me view Ocwens integrity as dubious at best, and too much of variable ; and, therefore, it would be unwise of me to be satisfied with the uncertain state in which Ocwen has left me, which is characterized by their statement, " still under review and will be addressed under separate cover ''. NO consumer would be satisfied with, agree to a endless deployment resolution, or willingly endure this kind of horrible behavior that Ocwen has displayed!
A review of Ocwen 's response indicates a major short to my required compliant, the Tax history request as  consistently been for XXXX to XXXX from XXXX XXXX verbally and written, even in the dispute CFPB compliant please review the paragraph. Ocwen has essentially, by their systematic practices of giving customers the runaround, ignored my repeated complaints and their own mistakes from XXXX XXXX, which was when I requested my Tax history information for the period XXXX. This information was supposed by be drawn from Ocwen 's Tax history ( its own proprietary management systems ). However, to date Ocwen has given me only an incomplete response to complaint by providing a half spreadsheet and voluminous, incomprehensible statements that I am expected to decipher. Ocwen 's has abjectly failed on this point, and it has orally and in writing given false  information to me by stating that it only possesses tax history from XXXX XXXX, XXXX a foolish act on my part gave this information out, I do regret to have taken this action. what happen to the completeness XXXX to XXXX/XXXX/XXXX ( not to XXXX ) on the spreadsheet in simplicity. Since filing with the CFPB, Ocwen has been intentionally and inexcusably, sluggish and parsimonious with their responses and information ( almost seemingly as a matter of policy and doctrine ), as they have dealt with me without any semblance of transparency or completeness. There was absolutely no legitimate reason for Ocwen to reply in this manner when it was not what I EVER requested.
Below is my oft-repeated, simple and specific request. It is the same information specifically included in the XXXX and breakdown in the following order ONLY for each from XXXX - XXXX : 1 )  Disbursement of XXXX XXXX XXXX, 2 )  Disbursement of XXXX XXXX XXXX, and 3 )  Disbursement of Village Tax, Any other information besides the above is at best superfluous and unnecessary. At worst, and most likely, it is red herring - an deliberately underhanded attempt by Ocwen to  mislead and confuse me, and a ploy to confound the consumer with voluminous and immaterial data and intricacies, all while engaging in a ceaseless and needless back-and-forth with Ocwen. It is unreasonable and devious to expect me to interpret Ocwen 's system file statements ( XXXX XXXX ). There is no need whatsoever to complicate anything with gratuitous details and figures. All that 's required is the simple provision of a ) XXXX XXXX XXXX, b ) School Tax, and c ) Village Tax. Furthermore, there was absolutely no reason for the information to stop at XXXX, rather than XXXX. I need the remainder populated as per my continual and consistent request. Ocwen should  recheck their nvestigation on XXXX for an example that you statement has a major flaw, and set the platform for errors on your model research in moving forward. Please address the following this specifics in your response : 1. Was there a XXXX XXXX distribution? Also, please make reference to the total tax paid out. ( It appears that Ocwen 's data is compromised, or that the resources used were not thorough with the investigation for XXXX. ) 2. I need the XXXX especially for XXXX launch state to verify Ocwen 's information. ( If Ocwen can make bold and absolute statements ( as it has often done in my case ), then there should not be an is ever-changing statuses and contradictions ; nor should there be any failures to take accountability for its mistakes. ) It is utterly impossible to trust Ocwen 's  integrity when they have so continuously and unapologetically behaved in such a capricious, deceitful and manipulative manner. And if I can not trust the information that I have been provided, then it is foolish to pass it forward to the next step. I have been injured three times before by Ocwen by my reliance on their information.
My request as well as the format thereof has always remained simple. And yet I have made over eleven ( 11 ) communications ( and counting ) since XXXX XXXX with XXXX, all of which have ultimately proven unproductive and unhelpful. The matter concerning your breakdown of the current outstanding amount monthly installment. My Tax Property Grievance Reduction has been reducing since XXXX. I do not understand XXXX, XXXX and XXXX XXXX XXXX installment payment was {$2000.00} then skyrocketed to {$2300.00} installment XXXX huge discrepancy of {$300.00} ) from XXXX XXXX, XXXX to present, explain? Now, regarding the matter of Notice Of Collection, which is required by the Fair Debt Collection Practices Act ( FDCPA ) prior to foreclose referral, I must state that I NEVER AT ANY POINT RECEIVED THIS NOTICE AND NOTHING WAS EVER SIGNED FOR THE SUMMONS AND COMPLAINT ( index # XXXX ). Service, therefore, has been incomplete and improper. I only found out about the matter because of the abundance of calls correspondence I was receiving from attorney 's that practice in the area of foreclosures. XXXX, if Ocwen contends that service was proper in this case, then I demand that Ocwen provide proof of the signing, the signature, and the date of place the service was completed. Given Ocwen 's history of shady and deceptive practices, I can not take anything for granted on Ocwen 's word, especially when this is essentially that same preemptive tactic Ocwned used in my second CFPB complaint ( Case # XXXX ) ; " A rush to judgment '' relevant points about the same are provided below : 1. Ocwen Notice was disputed ( XXXX ) ( DEBT IS NOT VALID WITHOUT VERIFICATION ). Ocwen never answered my communication ( whether in writing or verbally ) but went ahead filed a foreclosure action under false pretenses, with preemptive and premature intent, and against The Fair Debt Collection Practiced Act, which is exactly what is happening now.
2. I as " pro se '' attempted several times to contacted Ocwen and their attorney regarding the above, but my calls, voicemails, emails and faxes were never returned, as Ocwen was obviously engaging in their evasive and deceptive behavior, which seems to be occurring yet again.
3. Ocwen was found to have lied on several counts ( between XXXX and XXXX ) - e.g., 1 ) falsely stating that they forwarded solutions to my request and 2 ) falsely stating that they responded to my communications by calling me on my cell phone, when they, in fact, never did ( *when a call to a cell phone is made in 21st century, there are only a handful of possibilities : ( 1 ) the call is missed, ( 2 ) a voicemail is left for by the caller, or ( 3 ) the network is busy and there is the option to call again later ; but according to my service provider, there is no record of any of these taking place ; and nevertheless,  XXXX XXXX ( supervisor ) should have attempted to call me back if there was problem with the network ), ( Ocwen apparently has a science and a culture to misdirect and frustrate to homeowners through certain departments - i.e., Research Department , Consumers Advocate Department , HRD Mediation Team , Consumer 's Ombudsman Office ).
4. I asked XXXX XXXX ( Consumer Account Analyst ) about the reason for the above and he said he knew nothing about it ( Notice Of Collection or to Wait on Ocwens ). It is clearly abnormal for the person who is the point of contact to know nothing about the main issue? Perhaps if he took time to listen more, the outcome would be different.
5. And yet, what is happening now seems to be a  verbatim repeat of what has happened before, as another Consumer Account Analyst ( XXXX XXXX ) in the same Consumer Ombudsman office has unnecessarily complicated my compliant ( with reminiscent actions and tactics ), with even greater harm than before now being inflicted. It is evident that whatever is communicated by Ocwen has to be vetted. Ocwen has fail to take any responsibility adding more complications to what was already a disaster. <P/>These systemic regulatory violations are still apparent in XXXX as it was in XXXX, XXXX and XXXX. With Ocwen, there is a root to this behavior that comes from a common source, even after Ocwen changed attorneys. Ocwen is still delegating out these violations. There must be a policing enforcement by CFPB and FTC to protect the consumers.

Company response to consumer: Closed with explanation