Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Dear CFPB representatives, We submitted a complete Making Home Affordable Home Affordable Modification Program Request for Mortgage Assistance to Ocwen Loan Servicing in XXXX 2015 as evidenced by the attached letter dated XXXX XXXX, 2015, confirming receipt of a complete application. Appallingly, Ocwen is presently stating that we never submitted a complete application and that the MHA HAMP RMA was kicked out for missing documentation in XXXX 2015, which conflicts with phone calls made to Ocwen for account status and also the attached letters confirming receipt. 

In XXXX 2015, we received the XXXX ( XXXX ) attached conflicting letters from Ocwen stating that we submitted a complete application and stating that the application was not complete, which prompted us to make a call to Ocwen to speak with our new relationship manager, XXXX XXXX XXXX ( Agent ID # XXXX ), to clarify the RMA status. 

On XXXX XXXX, 2015, XXXX XXXX XXXX ( Agent ID # XXXX ) conveyed that the only missing documents were rental income documentation but we did not report any rental income, so he acknowledged the error and confirmed that all documentation was in as of XXXX XXXX, 2015. 

On XXXX XXXX, 2015, XXXX ( Agent ID # XXXX ) in XXXX, XXXX again requested the exact same rental income documentation that we spoke to our relationship manager about more than XXXX ( XXXX ) weeks prior and once again, we advised that there is no rental income reported. 

On XXXX XXXX, 2015, Ocwen placed a foreclosure sale date on the file for XXXX XXXX, 2015, and stated that there was no RMA review in progress yet I did not receive any MHA HAMP RMA denials for the MHA HAMP RMA that was confirmed received via the attached letters back in XXXX 2015, which is entirely in violation of the US Department of Treasury 's MHA HAMP programs per my understanding. 

To add insult to injury, on XXXX XXXX, 2015 ( today ), we spoke to our single point of contact ( relationship manager ) at Ocwen, XXXX XXXX XXXX ( Agent ID # XXXX ), who initially advised that I did not have any consumer rights because I did not make my payments, which is false, and that my MHA HAMP RMA was kicked out in XXXX 2015 for missing documentation that XXXX XXXX XXXX ( Agent ID # XXXX ) negated back on XXXX XXXX, 2015, per the RMA submitted. 

I am in outraged honestly as to Ocwen 's unfair, abusive, unlawful and deceptive acts and practices as well as the blatant MHA HAMP RMA violations in processing my request for mortgage assistance. In response to learning of the sale date today ( XXXX XXXX, 2015 ), I promptly resubmitted the MHA HAMP RMA from the Making Home Affordable website along with a XXXX, all profit and loss statements and a non-borrower authorization for XXXX XXXX. 

While I will continue to fight for the right to modify my mortgage loan event though my relationship manager, XXXX XXXX XXXX ( Agent ID # XXXX ), stated that I did not have rights due to my delinquency, I ask that you do all that you can to assist us in achieving a fair and affordable mortgage for our family home. We are not asking for special treatment, we are simply asking to be treated in the manner outlined by the Department of Treasury 's MHA HAMP RMA programThank you in advance for your assistance with this matter and please contact me either via email or phone for further information. Again, thank you! 

Thank you!

Company response to consumer: Closed with explanation