Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
OCWEN LOAN, XXXX & XXXX XXXX CREDIT? ..PLEASE DO SOMETHING to fix the on going problems with OCWEN SINCE XXXX. SINCE XXXX XXXX MODIFICATION WAS TO BE DONE BY XXXX MODIFICATION KEEP MAILING ME PACKAGE TO SIGN..I HAVE FAX AND MAIL OUT XXXX PAGES FOR AFFORDABLE HOME ACT. A HARP LOAN. THERE STILL NO MODIFICATION, THERE WAS NO NOTICE GIVEN IN XXXX JUST LETTER SAYING PAST DUE. NOW TRYING TO TAKE MY HOME SINCE XXXX. THIS IS SUCH A SCAM. NEW APPOINTMENT ON XXXX XXXX MONDAY XXXX, OCWEN OR MY REP MGR. OR CUSTOMER SERVICE MGR. NEVER CALL ME TO GO OVER A NEW PACKAGE.I CALL OCWEN AT XXXX REQUESTING TO SPEAK TO MY OCWEN REP. 
ALWAYS SAY REP. IS NOT AVAILABLE WE CAN RESET UP APPT. THIS IS 3RD TIME THE OCWEN RELATION MGR.HAS NOT CALL SINCE XXXX. SEE EMAIL BELOW ALWAYS SENDING BUT NEVER CONTACT ME. SEE OTHER COMPLAINT. 
XXXX XXXX XXXX COMPLAINTS SINCE XXXX CONSUMER PLAINT DATA submission, [ Case number : XXXX ] Re : OCWEN EMAIL : Important Account Information Monday, XXXX XXXX, XXXX XXXX From : " Relationship Manager '' XXXX " XXXXXXXXXXXX '' XXXX In addition, if you are referring to the unpaid principal balance, the current unpaid principal balance on the account is {$89000.00}. Please note that the unpaid principal balance is not the amount required to pay off the loan. 
Furthermore, please be advised that the terms of any approved loan modification is not negotiable. The modified terms are based on the income information we receive and the current status of the account at the time of review, following the guidelines set by the United States Department of Treasury and the investor. If you disagree with the reason ( s ) for non-approval, you have the right to appeal. To appeal, you have 30 days from the date of the notice to send a written explanation and supporting documentation to substantiate your findings. Please email a copy of your explanation letter along with any supporting documents to XXXXXXXXXXXX or mail to the following address : Ocwen Loan Servicing , LLC Escalations Department XXXX XXXX XXXX XXXX, FL XXXX Important Account Information Wednesday, XXXX XXXX, XXXX XXXX Mark as Unread From : " Relationship Manager '' XXXX : " XXXXXXXXXXXX '' XXXX ; Dear XXXX, We apologize for any inconvenience this matter may have caused. Exceptional customer service is our primary goal and we regret your experience with us has been less than favorable. Please note that to ensure our customers will be assisted accordingly, we schedule them to the earliest available date and time when they preferences are no longer available. Nevertheless, customers may always reply or call us to decline the appointment and reschedule. XXXX XXXX comment : OCWEN NEVER CALL. 

In response to your other concern, we are unable to sell this loan to any other financial institution. However, you have an option to refinance this account. 
In addition, our bank account information for wire transfer has always been the following information : Ocwen Loan Servicing , LLC in Trust for Various Investors and Mortgagors Account number : XXXX XXXX XXXX Bank, NA XXXX routing number : XXXX Reference : ( your name, loan number, and the property address ) You may also send any details of the wire by email to XXXXXXXXXXXX. Be sure to enter the total wire amount on the subject line of the email. 
MY POINT IS THEY WONT MODIFIY MY LOAN BUT WANT MONEY WHICH THEY DO NOT REPORT TO CREDIT AGENCY..THIS IS SUCH A SCAM. I AM XXXX YRS OLD. IN XXXX THIS WAS MY FIRST HOME AT AGE OF XXXX SINGLE MOM WITH CHILD XXXX LOAN BY XXXX XXXX CLOSED THE DAY OF SIGNING, CLAIMING BANK ONLY GAVE ME XXXX. BUT LATER ANOTHER XXXX DOING SIGNING OF LOAN. MY EQUITY LOST.

Company response to consumer: Closed with explanation