Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
RE : Loan # XXXX XXXX XXXX On XX/XX/XXXX I received a answer back from your Ocwen s account anaylist XXXX XXXX when i pointed out all the fraud that the company that he works with and represent. He defence was such : " we can not comment on actions taken by " that '' servicing company. '' So my question to the gentleman is : Before you foreclosure me. If you want to do things right don't you think you should check every paper that, that prior company placed in court so you don't commit the same fraud? Since your company said the investor is the one who does not want to modify my loan so after just 2 weeks ago I requested from your company the XXXX from my loan. Because I thought : _Oh ... well, you must have it already in hand if you are denying my loan on bases of the investor been the one who does not want it. As of today they send me a letter saying that they had send me what I requested but. guess what? I never got it. this is the letter that I have sent to you. 
" Last week a received a call from your company. The represent told me that you guys where working on a in house loan modification and by last week you would give the the final figure and that every thing was ok and you just needed to give me final numbers.which i though it was very wise from you. Since my loan has so many fraud. You can not deny it.because again attorney general, etc, has send checks after checks apologizing for frauds you committed against me. Me and my family were happy with you decision that finally we would get our peace of mind back. we even went out to celebrate with our kids that blessing. But it is known the cruelty your company does with home owner! Sad to say today I got again some of your cruelty again because again today your representative came up with another story. They told me today that you can not modify my loan because there is too much interesse to pay. And also " the investor '' does not want that. Right now I'm challenging you to prove to me in court the investor has a say on it. 
First you dont even know who is the owner of my note after so many selling of it on XXXX XXXX. Even the representative of investors in the XXXX XXXX  says only the servicer can decide when to modify loans. you are The SERVICER. Also XXXX  XXXX XXXX XXXX XXXX spokesman XXXX XXXX says its misinformation to say that investors make these decisions.it is very rare for the language iven to exist on the XXXX So you are the ones who does not think you are going to gain as much as if you sell my loan.Again the house is in rehab. Every thing is on hold right now referent to that. I was fixing Walls has damaged through the years. ( 11 year ) Kitchen i'm putting new cabinet, fixing floor etc. Im experrient on that. I will be suppressed for it condition if you can make XXXX on that. Therefore you will loose more money if you sell it.apart of putting more name of fraud under your companies name, because I'm reporting every thing you are doing in my loan .also more money to loose because I'm about to go back in court to fight again. I m not taking vantage of the situation and asking for a free house. I just want a fair modification. 
I know you are doing the math and thinking you better off to selling it then work with me. But please don't test my intelligence. I know there is not investor in this. It is you who don't want to modify. You can say you were not taking care of my loan when all this happened but you can not close your eyes to some thing that is under y our authority at this present time. And if you sell my house you will be co participating with the fraud committed against me If you look at my loan. I'm part of the who had the XXXX sign fraud. Assignment of mortgage, the note, if you look at court paper shows lawyer XXXX saying. The note is lost " look at court papers please ''. Now the note is there. Is that the real one? Can i ask for a forensic of the note? Would you allow me? Lets set a place, perhaps court.Just to make sure you are been fair with me. Sense you say there is nothing wrong with my loan. 
Dont close your eyes. DO RIGHT, GIVE ME A IN HOUSE MODIFICATION Please i would like you to answer back my letter.

Company response to consumer: Closed with explanation