Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX XXXX, I had applied for a repayment plan for my mortgage. In XXXX XXXX, I was approved for a repayment plan and according to Ocwen, I was to wait for the paperwork in the mail to sign and return for the approval. In XXXX XXXX, I never received any confirmation of loan modification and I went online to check any status and saw that I needed to make a mortgage payment of {$1000.00} with no down payment needed. I made my payment for the amount of {$1000.00} via online Ocwen website. In late XXXX, XXXX I received a call from Ocwen saying I failed to make my down payment and the payment plan is null and void. I explained to them several times that I was never told that it was approved via mail with any documents sent to me with the approval. I was following what Ocwen 's online website said I needed to do which was make a mortgage payment of {$1000.00}. 
Now Since XXXX XXXX, I was told to fill out a new package for approval which I did. They kept denying y package saying it was not complete. I continued to fax or email to them the documents needed and they kept saying they could not find the documents. In XXXX XXXX, I finally got all the paperwork they needed and in XXXX XXXX they started the process to check for a modification. A little history on my mortgage, In XXXX XXXX XXXX, I paid them a total of my life savings of more than {$10000.00} to keep my home. Then they said that the mortgage payment plan was not sufficient and we had to start the process again. I have made several complaint to the CFPB in regards to the problems I have been having with Ocwen. 
On XXXX XXXX, XXXX, I was checking Ocwen website for any update on the loan modification and saw that it said, " Congratulations, You have been approved for a permanent loan modification ''. Then underneath the bold green writing of the congratulations it said, " You have been approved for a permanent loan modification. Please check your mail for the new terms of your loan ''. This was posted on the website on my loan account for 3 days. Then on XXXX XXXX, XXXX, I went back onto the website to show my wife the status and it said something completely different. It said, " You loan modification is under review ''. It stayed in this status until XXXX XXXX, XXXX when it said, " We are sorry you do not qualify for a loan modification. Please call your relationship manager ''. 
With this said, it was a devastating response to show my wife after I had gotten her excited and relieved to here we were approved. My stress and anxiety of now seeing a declination of a loan modification when we were told we were approved. This has been the games and the miscommunication that Ocwen has been doing to us. I am under a tremendous XXXX because of the situation Ocwen is doing to us. To see two different responses from them in unprofessional, detrimental to my families health and now I have to continue being unemployed, on XXXX because of XXXX and now the added XXXX that Ocwen is causing me. There website has shown to be inaccurate on several occasions and yet they deny that there website has been inaccurate. I have taken images of the website to show how they have given us inaccurate information. These images will be attached.

Company response to consumer: Closed with explanation