Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I  XXXX   XXXX , with Loan Number  XXXX  from  OCWEN LOAN SERVICING, am writing you today to express my frustration in working with OCWEN on a mortgage modification under the Making Home Affordable program instituted by the Obama Administration. I am at a loss as to what to do now that will encourage them to act in a timely manner to finalize a modification process that began a couple of years ago. It is my hope that in filing a complaint that a resolution regarding my application for a mortgage modification can be expedited, and pressure placed on OCWEN to fulfill its obligation to act in a timely manner not only on my behalf, but on behalf of othe rs that are facing the same obstacles regarding their applications for mortgage modifications. I find it very observed that I have been trying to get a loan modification for over years, and yet, till this date, we have not been able to resolve the issue. It has come to my attention that my loan modification was denied on  XXXX   XXXX    XXXX   due to the Investor of the Mortgage does not want to participat e in a Loan Modification. In the phone conversation, you mentioned that the investor does not want to participate in the Loan Modification due to the File has been modified 2 times already in the past. I asked for the dates and you have no idea when the Loan was ever modified. To my records, and I have proof of this, my loan has been modified only one time. I requested this information to be sent 'd in writing to me,  not even a denial letter was s ent 'd to me acknowle dging that the denial was denied directly from the investor. Its easier to mentioned it over the phone, but it brings up the matter that you could just be making this up to cover your assets and let me loose my home, my investment, the property that I worked so hard to live and maintain. You mentioned you could not arrange an affordable payment to support  a Loan Modification due to excessive obligations to support a payment. You have received everything you needed in regards to the Loan Modification process, and acknowledge that the loan modification  was in process, giving me high hopes that I would obtain a loan modification. Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstandings and a misinformed process to resolve the loan modification. It is neither my intentions nor my fault that this debt has increased. Ever since my divorce, I have been the only person covering the household and expenses. I never meant to default. I been trying to resolve this issue for years with no results, basically with the same action, " I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this. I just find this really obnoxious and  XXXX  when you have a citizen like myself, asking for help, reaching out to you throughout all this time, just because I want to keep my home, my investment, the house where my children reside. In news reports I hear t hat OCWEN claims to  be overwhelmed with applications for modifications. As a result, your bank is  top 3 worst servicer processing a modification. When times were good and banks were encouraging everyone to take out 1st, 2nd and even 3rd mortgages they did n't seem to have any problem keeping up with the high demand. Full documentation Mortgages could be initiated and closed inside of 2 weeks. Now, when someone  asks for help, it takes years with no immediate results. I understand that across the country there are several lawsuits being filed ag ainst OCWEN, some seeking class action status. I think it would be worth your time to look into doing the same on behalf of all Home Owners that are facing the same uphill battle with you OCWEN as I am. Please take in consideration that I really want to keep my property. Please help me the best you can, I know I qualify for a better Loan Modification, and it  would be under our best interest to qualify this loan.

Company response to consumer: Closed with explanation