Consumer complaint received 2017-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I was told  by NACA Housing Counselling Agency to file  this complaint a gainst Ocwen Loan Servicing , LP for denial  of loan modification ( RMA ) package sent  XXXX   XXXX ,  XXXX . The initial loan modification was prepared by  Ocwen  in  XXXX  of  XXXX  with additio nal   RMA p ackages sent again in  XXXX  and  XXXX  of  XXXX .      Ocwen has refused to modify my loan that is predatory with a interest rate of nearly ( 12 ) % . I do not know if the balance is principal or interest. Last  XXXX  of  XXXX   NACA  sent  Ocwen a loan modification for an affordable monthly payment between {$500.00} to 600. They kept asking me for the same paperwork over and over   again. Come to find out after a month or so they were talking about another co-borrower on the loan who was never involved in the loan other then the origination of loan.     The loan modification was sent over several more times but was told by  Ocwen that my stepfather had to sign loan modification papers in order to get the loan modification. I informed them he had been estranged nearly ( 20 ) years. Ocwen never did anything to resolve the problem and requested I get a Quick Claim Deed re moving from the loan and off of the title.     While I was in the throws of the loan modification , Ocwen attorneys   XXXX   XXXX   XXXX  continued to schedule auction sales in  XXXX ,  XXXX  and  XXXX  of  XXXX  on my property which  shouldnt have been allowed. Because of Ocwens negligence in not complying with the National Settlement lawsuit.      A law firm did a search and found out were he lived and contacted him about the loan modification. He is elderly  XXXX   years old  and on a fixed income and can not afford any monthly payments on a small retirement income.     I went to all the trouble to get t he Quick   Claim Deed a nd to locate my stepfather for him to sign the paperwork removing him from the loan and title.       NACA sent another loan modification application to Ocwen with the " Quick Claim Deed '' Ocwen comes back and says they can do the loan modification rambling something about they ca n't reduce my principal which is exactly what the " National Settlement Lawsuits '' court and judge requires them to do.
These people meaning Ocwen are evil and should be put out of business. They have harassed me   ever since they took over my loan beginning in (  XXXX  ).      Ocwen has criminally trespassed on to my property breaking locks, doors, windows and putting " Lock Boxes '' on my doors. They have also cause me to loose my homeowners insurance by calling my own insurance company telling them to cancel my insurance policy and then turn around and put " Force Placed Insurance '' on my property for ( 3 ) times the amount when I was only paying { $800.00} with my prior insurance company before they called them.     I do n't know how   Ocwen is able to get away with all of this criminal activity. Any of person did these unlawful acts would be put in jail or made to pay a fine.
The D. C. DEPARTMENT OF INSURANCE Joins State Regulators by Issuing a Cease-and-Desist Order to Ocwen Loan Servicing, LLC for an array of unlawful actions.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation