Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
*********************************************** THIS IS NOT A DUPLICATE COMPLAINT*************THIS IS NOT A DUPLICATE COMPLAINT **************** THIS IS NOT A DUPLICATE COMPLAINT ******************************* NEW COMPLAINT*******XX/XX/XXXX XXXX XXXX 
*********************************************** This complaint was submitted XX/XX/XXXX. OCWEN CLOSED this Complaint # XXXX as a duplicate. 

The complaint # XXXX was submitted XX/XX/XXXX expressing that it was not a duplicate. 

Today XX/XX/XXXX, OCWEN closed this Complaint as well as a duplicate? 

The CFPB says I have a right to be heard. The CFPB will provide an answer for me? I did not and do not have an answer to this complaint. 

My concerns have not been addressed and remain unanswered. I have not received an answer to issues brought to OCWENS attention. I have not received a return call from XXXX XXXX XXXX after several attempts to reach him to make sure he knows what is going on because he is ultimately responsible. 

There has been no thorough investigation, as no correction or solution has been provided. The COMPANY OCWEN, is not concerned or they would have fixed their problems and errors by now instead of being embattled with a customer. 

Everything was completed, the name was changed from my deceased daughters estate to mine the recorded deed provided to OCWEN. Five actually five instead of three payments had been made while I was still calling the errors to OCWENS attention. 

My concerns are how you maliciously responded to my concerns and outcry. I never gave you any indication that I had changed my mind that I did not want these changes as evidenced by the notorized signed documents once I finally received the paperwork after XX/XX/XXXX. 

I provided the signed notarized final documents and you accepted it? I know how the modification process works. I know how the assumption process works. 

This was a streamline process. Meaning you processed both transactions simultaneously. I know that. 

OCWEN did this because of all the errors committed during this process. 

What I dont know is how OCWEN thinks it is ok to do what they are attempting to do? I paid five payments? That is how I know it was not proceeding correctly. I called it to OCWENS attention and have been punished ever since. 

OCWEN passing a loan to another lender in a foreclosure status vindictively. 

There is no reason to contact OCWEN when you say you are standing on your position and lies and you think you are right when you continually lie and attempt to cover your tracks. 

The modification as well as the assumption were completed simultaneously without a doubt. You can continue to respond, but until you respond with the truth, there is no response or resolution. 

1. You were not in the process.

2. Everything modification and assumption were COMPLETED at the same time, simultaneously. dually processed, streamlined. 

My concerns have not been addressed. I have not received a return call from XXXX XXXX XXXX after several attempts to reach him. 

There has been no thorough investigation, as no correction or solution has been provided based on the true facts. 

The COMPANY OCWEN is not concerned or they would have fixed their problems and errors by now instead of being embattled with a customer/consumer. 

Everything was completed, the name was changed from my deceased daughters estate to mine and the recorded deed was provided to OCWEN. 

It is not my fault that you did not disclose any terms of the loan other than the payment up front. 

It is not my fault that I had to force and coerce an employee to give me information that should have been readily provided without request. 

When an employee asked how do you know that? I knew then that OCWEN was hiding relavent information from me purposely. I also knew that this was not an isolated incident but an OCWEN PRACTICE. 

Your lie that a supervisor gave me that information as a courtesy is not going to fly! The information was not properly and timely provided. It was not provided by a supervisor at all. Your response is ludicrous and a lie. 

Five actually five instead of three payments had been made while I was still calling the errors to OCWENS attention. 

My concerns are how you maliciously responded to my outcry. I never gave you any indication that I had changed my mind. 

I provided the signed notarized final documents. I know how the modification process works. That is how I know it was not proceeding correctly. I called it to OCWENS attention and have been punished ever since. 

The modification as well as the assumption were both completed. There is no question or doubt. 

If your mission is to help homeowners what is going on? ANSWER REQUZiRED? You cant execute what you dont have. You did not send the final documents until I contacted you. 

That was acknowledged by an OCWEN employee, and I never spoke with a supervisor as you allege. The employee I spoke with acknowledged that the documents WERE NEVER SENT, until I contacted OCWEN. 

When they were finally sent I signed and had notorized and returned by mail and e-mail those documents. 

We previously advised that in order to complete the assumption process, the account needed to be current? This was also a lie. I never had that discussion with anyone. 

This is why the process was streamlined and done simultaneously. OCWEN continually made mistake after mistake which is why the process was being completed at the same time as the modification. 

It took from XX/XX/XXXX to XX/XX/XXXX because OCWEN continually loss documents. OCWEN then sent the documents to the wrong party XX/XX/XXXX. My personal information was sent to someone else without my consent? 

Both processes were completed simultaneously because I complained about the loss documents that were sent several times and claimed not to be received by OCWEN, and then finally found by OCWEN. 

In addition to the process starting over and over it was an issue of time and your errors. So for the sake of time both processes were completed simultaneously. 

If youre going to do an investigation and call it thorough do it right and tell the truth in regards to the finding. This had absolutely nothing to do with the account being current and there was no advising of such. 

Let me reinterate, both the assumption and modification were completed simultaneously. 

Nothing was ever closed as you state. If there is no record of that now, this needs is to be investigated as well. 

Trial modification approved in XX/XX/XXXX? Was it approved or was it closed? Make up your mind since you so thoroughly investigated? 

OCWEN as a servicer and its employees should be very well versed and informed of all laws and regulations involving the day to Day operations of your company. 

I am well aware of the history of this loan which was transferred to OCWEN from GMAC Mortgage XX/XX/XXXX. There were problems upon transfer just as problems continue today with OCWEN. 

Im not concerned about your belief. Any interpretation should come from your attorney. You clearly have gotten in over your head and pay grade. This was a loan that was being assumed which would be treated differently. It is not my responsibility to educate you on what you should know and believe. 

As a customer I can only call things to your attention and trust that you are qualified enough in your job duties to know how to follow guidelines. 

It is evident to me now more than ever that this is not the case. Eventually the courts will decide because you are entering realms for which you have no knowledge or proper understanding. 

I reintegrate, I have no relationship with anyone but OCWEN until you clean up the mess you created. Either XXXX XXXX will step in and show what should have been done or the government authorities and the courts will do so. 

If this complaint is CLOSED AS A DUPLICATE, for a third time I will let the public and other government agencies that govern and regulate OCWEN know that you have not only not followed the law, but have deliberately lied to the CFPB in regards to your errors. 

You also returned my payments and threatened me for sending payments to you when these errors are all on OCWEN. 

QWR ; I am also making a QWR for any and all documents for Loan Number XXXX from receipt of loan from GMAC Mortgage to present XX/XX/XXXX to include a complete and thorough payment history. 

OCWEN alleged that the loan was in a late payment status when received from XXXX, it was not. There were errors from day one that were never followed up on and or corrected when requested. 

THIS IS NOT A DUPLICATE COMPLAINT*******THIS IS NOT A DUPLICATE COMPLAINT**************************THISIS NOT A DUPLICATE COMPLATE****** **DO NOT CLOSE THIS COMPLAINT** Includes QWR Tuesday XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation