Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for a loan modification with a Ocwen Loan servicing in XXXX XXXX. My home had sale date set for XXXX XXXX XXXX while in the modification process. Which was finally postponed. I had a new sale date set for XXXX XXXX XXXX. Then on XXXX XXXX XXXX I received a modification which I was to review. The sale dates are totally a violation of my CALIFORNIA HOMEOWNER BILL OF RIGHTS. When the XXXX XXXX XXXX sale date was finally postponed a new sale date for XXXX XXXX XXXX was set. VIOLATION VIOLATION VIOLATION! Ocwen is still breaking the law of California while under investigation. The CALIFORNIA FINANCIAL PROTECTION BUREAU. The CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT. Why does this keep happening to me and other people of California and the country. Ocwen has been fined by the state which means nothing. Because Ocwen seems to be above the law. What is going to be done for me the home owner for violations of California law. The attempts to foreclose on my home illegally. The law is suppose to protect me and other people of the state of California. The facts are true that Ocwen has violated the law many time in California and around the country. HOME OWNER BILL OF RIGHTS OF CALIFORNIA. CALIFORNIA STATE SUPREME COURT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WRONGFUL FORECLOSURE and cases prior to foreclosure. All the FRAUD from ROBO SIGNING to PHOTOSHOPPING to VOID FORECLOSURE SALE DATE NOTICES. Also PREDATORY LENDIND AND SUB PRIME LOANS and MORTGAGE BACK SECURITIES. My loan is a PREDATORY SUB PRIME LOAN. But the same FRAUD still going on today. STOP this now. GREED GREED GREED! Call it like actually is. I am not making this up. This kind of behavior has to me over and over again. I have health conditions be of what I am going through Ocwen. My so called modification I sent to me consist of a payment of XXXX. Which takes up 53 % of my net income. This is totally absurd. My monthly debt is around XXXX dollars a month. Ocwen has listed my net income at XXXX. Which I do n't know how Ocwen came up with that amount. My loan amount that Ocwen states that I owe is XXXX. My house value of today is only XXXX tops. By XXXX I would pay Ocwen XXXX plus a balloon payment of XXXX due XXXX. A total of XXXX in a total of 18 years. Totally RIDICULOUS amount. This not helping me with my payments or my loan amount. It is only in the best interests of Ocwen and XXXX XXXX. Let me make myself clear. It does not cost Ocwen and XXXX XXXX a dime to give me a modification I can actually afford. The government through the taxpayers have paid for it. The stimulus package back in XXXX and up until now. I did not get the bailout nor did the rest of the people of California and the country. The banks like XXXX XXXX and the rest of them. They get paid by the insurance companies like XXXX OR THE FEDERAL RESERVE when a house goes into foreclosure process. So when the servicing companies and banks foreclose on someone. What ever they get on the foreclosed property is all profit. Millions of WRONGFUL FORECLOSURES across the country.

Company response to consumer: Closed with explanation