Consumer complaint received 2015-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Services handles my mortgage. I fell behind in monthly payments ( about XXXX months ). The last payment I sent in was returned to my bank. When I inquired about it I was informed that I had to apply for a loan modification. I asked if there was any other way I could get back in good standing. They refused to allow me to pay the amount I was behind. I did not want to apply for a loan modification with Ocwen because I had tried in the past and it is impossible to get all the documentation they ask for. On both occasions they notify me of remaining documents the underwriters need. It starts with about XXXX pages that are missing. I fax the pages and a week or XXXX later they send a letter stating they need the same pages. This goes on until enough time has passed that some of the documents they have are too old so I have to acquire those documents and submit them over and over again. The list eventually gets down to XXXX or XXXX pages and I submit them everytime they ask. The XXXX time this happened I was n't behind in payments, I wanted to lower my interest but I quit trying. XXXX months later I get a letter saying they could not process my request due to noncompliance on my part. This time I am behind in payments and I am about to lose my house. The same thing happens asking for documents that I have sent, via fax or email. When I requested a reinstatement quote they refused but months later I requested a reinstatement quote and they mailed the quote. If they had quoted a reinstatement amount when I first requested I could have paid the amount before the month ended. Now the quote has grown too large to pay off in one lump sum and they will not allow me to pay an additional amount each month until I am even. I even offered to pay XXXX the monthly payment to catch up. My original monthly payment is so small I could afford to do that but they refuse any offer of payment except lump sum. Right now the missing documents are lease agreement because I rent a bedroom to someone. There is no official agreement for this because the renter is a friend. I wrote an agreement stating how much rent I receive from him and the due date both of us signed the agreement. I have submitted this agreement along with monthly receipts when I collect the rent. Each time they request the same documents it takes longer for them to get the letter to me. Once the letter arrived the day after the due date. This has gone on for almost a year and I fall further behind. I do not qualify for any of the programs like HAMP my income is too large and the amount owed is too small. I have sent the same documents XXXX in one month in the meantime the other documents become too old so we start again from the top. I have sent a completed application XXXX times my income does not change, the pensions I receive are for life yet the XXXX months of bank statements they ask for have to be less than XXXX days old and they at first but they are stalling long enough and maintain the missing documents game so that I can never get all the documents in with the right dates. Communicating with the representative they assign is impossible his accent is so heavy I do not know what he is saying and he does not listen I have repeatedly written letters explaining the status of the rental. I am not renting my house I am just renting XXXX bedroom. I just know that one day soon my house will be in a foreclosure sale. I believe they are doing this on purpose because I owe less than {$80000.00} but the house is worth {$110000.00} without any improvements made. It is like playing the old shells con and Ocwen is the XXXX. They shuffle the documents and remove them from the shell so no matter what I can not get it right.

Company response to consumer: Closed with explanation