Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. It was confirmed in XX/XX/XXXX. My Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX was included in the bankruptcy. The bank was allowed payments under the plan of XXXX. I began making payments in XX/XX/XXXX. Up to this date there was no problem with my credit reporting. In XXXX I received a letter informing me that Ocwen was my new servicer and to start making payments to them, which I promptly began doing. I was under the impression that everything was going perfectly with my reorganization for the next year an a half. I had kept everything on time with my bankruptcy never making any late payments to any of my creditors. I then began the process of trying to get another mortgage. It was declined because Ocwen was reporting fluctuating, with no apparent pattern, consistent late pay of XXXX day. It also showed that it was a closed account, but that I was still paying late. Nothing made sense, yet they insisted they were reporting correctly. It ruined my credit at the time and I was denied the mortgage solely because of this misreporting. I promptly disputed with all three credit reporting agencies. I was informed that Ocwen had confirmed that it was being reported correctly and my only option at that point was to contact them. I called Ocwen. They confirmed that were are no missed payments but said there was nothing they could do. Finally after making a complaint to the cfpb they offered to correct the misreporting and to take any negative information off of my credit reports, which they did at the time. I recently pulled my credit and my score was lower than it should have been, given the fact I have never been late on any payment since the confirmation of the chapter XXXX. This was in part because Ocwen was reporting past late but current which is still derogatory. I felt that it could be just an oversight and asked the for the account to be corrected. When I got the investigation results back, once again Ocwen is fraudulently reporting the same thing they were reporting the last time before they " fixed '' the problem. My credit score immediately dropped XXXX points. The representatives have said there is no one to call, if I wanted them to look into it I would have to fax information and wait for a response. I asked to be sent an email to that effect and was told under no uncertain terms will Ocwen communicate via email. I am at my wits end. I have done everything required by me and have abided by all of the guidelines set forth by my Ch XXXX, yet Ocwen, even though I have paid as required has found a way to continue to defraud the system to continually ruin my credit. To date, because of this misreporting by Ocwen which apparently they are not offering any way for it to ever be permanently fixed, I have been turned down for a mortgage and as well I have been declined a loan for a car. I have provided documentation proof of the misreporting on my credit, my bank roster showing consistent payments, and the bankruptcy treatment for this loan as per the confirmed plan. In closing I would appreciate any help you could possibly give to finally clear my credit of the false late pay reportings. I have provided documents, however, I can provide you with any further documentation that you need.

Company response to consumer: Closed with explanation