Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
O n  XX/XX/XXXX  I  found out that Ocwen was supposed to send a a Non- Approval stating why I was denied loan modification. The Non-Approval letter should have the Net Present Value ( NPV ) that Ocwen used to decide non approval for all of loan modification from   XX/XX/XXXX  to  XX/XX/XXXX . Ocw en has violated my Civil Rights under the 14th Amendment, procedural due process. Ocwen treated my application different from other applicants. Sending every applicant a non approval letter with the NPV was mandatory if the individual was denied the loan modification. The federal gave applicant a way to double check to make the loan institution used the correct numbers. I was never given that chancertain. Ocwen is receiving federal funds from the government, and is not in compliance of Title VI of the Civil Rights Act of 1964 dealing programs and activities. MAKING HOMES AFFORDABLE was a program that was funded by the federal government.. TITLE VI SUBCHAPTER VFEDERALLY ASSISTED PROGRAMS states the following : 2000d. Prohibition against exclusion from participation in, denial of benefits of, and discrimination under federally assisted programs on ground of race, color, or national origin. No person in the United States shall, on the ground of race, color, or national origin, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any program or activity receiving Federal financial assistance. ( Pub. L. 88352, title VI, 601, July 2, 1964, 78 Stat. 252. ) AS I stated before Ocwen has refused to make available the NPV for my loan modification denials. No NPV was done for any of my loan modification because Ocwen refused to make them available to me.In Ocwen 's response, it was conveyed thatasking to see the NPV was addresses in my two previous complaints. If it was addressed, why do n't I have copies of the NPV. Ocwen 's sent me several documents along with reply to previous complaint. Nothing in that package discussed NPV. Below is the reply Ocwen emailed to me on   XX/XX/XXXX  :  XX/XX/XXXX  Lo an Number :   XXXX      XXXX   XXXX   XXXX   E-mail :   XXXX    Property Address :   XXXX   XXXX   XXXX    XXXX , AL  XXXX  Dea r  XXXX   XXXX   XXXX  , Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 You requested us to provide Net Present Value ( NPV ) used for the modifications during the years   XX/XX/XXXX  to  XX/XX/XXXX  .
Response : Ocwen previously received substantially similar correspondence regarding the same issue, concern or request for information. A response to that inquiry was issued on   XX/XX/XXXX   by our Ombudsman department. As this request does not contain new or material information, we respectfully request that you refer to responses previously provided by Ocwen. Please contact us if a new issue or concern arises or if you like to request new information that was not received in a prior response. As of the date of this letter, the loan is due for  XX/XX/XXXX  payment. For any further information, you may contact our Customer Care Center at   XXXX   ( Monday through Friday   XXXX   XXXX   to   XXXX   XXXX   ET, Saturday   XXXX   XXXX   to   XXXX   XXXX   ET and Sunday   XXXX   XXXX   to   XXXX   XXXX   ET ).
We hope Ocwen 's response addresses your query. Please take the brief survey on the link below. The survey will provide us with valuable feedback regarding your opinions on how we met your expectations with the response you received to your query. We understand your time is valuable and we greatly appreciate you providing your opinions in order to help us serve you better. Helping Homeowners is What We Do!   XXXX   XXXX   XXXX    loan=  XXXX   NMLS #  XXXX   XXXX  This communication is from a debt collector attempting to collect a debt ; anyinformation obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is purely provided to you for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally.
NO OCWEN 'S RESPONSE DID NOT ADDRESS MY QUERY. I WANT COPIES OF THE NET PRESENT VALUE USED TO DENY ME A LOAN MODIFICATION. IT IS MANDATED BY THE FEDERAL GOVERNMENT.

Company response to consumer: Closed with explanation