Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My husband lost his job XX/XX/XXXX and was out of work for 3 months then had a job that could not fully pay our mortgage. As soon as we found out, I called Ocwen to let them know and to find out if there was anything they could do to assist us through the transition. They said, that until we were 6 months behind there was nothing they could do to help. I kept being harassed and threatened on a daily basis, so finally about 3 months into the job loss they allowed us to do partial payments. We entered into the process of a permanent modification in XX/XX/XXXX. In the 12 months it took them to finally approve the modification they " lost '' our paperwork twice, switched computer systems and changed our relationship manager at least 6 times. Every week or so my husband had a scheduled call with our relationship manager who assured us that everything was fine and we were " on track '' At this time they told us to stop making any payments because it would change the modification numbers and " mess up '' the process. When we finally received the completed modification paperwork, they began reporting that we had XXXX mortgages to the credit agencies, XXXX has 10 months of late payments, the other has 6 months of late payments. We have tried multiple times to refinance to get away from Ocwen so that we can have some peace of mind. But no one can help us. We have been paying a credit repair lawyer for months. Ocwen refuses to verify credit with the lawyers and they refuse to report to the credit bureaus correctly. For a few months they were rolling over the late payments of my husband 's credit, so first they reported that we were late from XX/XX/XXXX and back 6 months, now they have reported that we were late from XX/XX/XXXX and back 6 months. But the final modification did not originate until XX/XX/XXXX and our first modification payment was to be made by XX/XX/XXXX. We were to make 3 initial " trial payments '' which had to be done by certified bank check. The first XXXX was made on XX/XX/XXXX, the second was done on in XX/XX/XXXX and the 3rd one was done on XX/XX/XXXX. They are still claiming that we did not pay on time in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. In the " official '' modification paperwork, the mortgage payment numbers do not match our statements that we are currently getting. 
Currently XXXX has deleted both accounts from my husbands credit report because Ocwen refuses to verify credit. Recently, we were told that we were " sold '' to XXXX XXXX, which is just Ocwen 's new name ( we got a letter claiming they were changing their name from Ocween to XXXX XXXX a few months back ). When I tell other mortgage companies that we are with Ocwen currently, they tell me how sorry they are and that we are just " screwed '' And that Ocwen has been doing this type of shady business since at least XX/XX/XXXX. 

We were told by the VA that according to their rules that Ocwen was supposed to tack on the missed payments, create a new loan to get us out of the ARM we were in and then we would be able to basically start fresh with a new 30 year fixed rate loan. They are still saying that we owe them {$16000.00} in missed payments, when that was added to current new loan balance. 

They also forced me to be on the title, when I had not been on the original mortgage. 

On our final paperwork, they had our county wrong as well

Company response to consumer: Closed with explanation