Consumer complaint received 2016-08-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN Loan Servicing LLP is violating my rights as a US Citizen. OCWEN began an all out attack on my loan in good standing after they posted {$76000.00} I was awarded by Keep Your Home California and {$5000.00} HAMP incentive that I earned by never being late on my loan for six years. XXXX XXXX from the OCWEN Ombudsman office was so jovial when she told me that my name being removed from the loan was not the worst of it, that my assumption of the loan being reversed was not the worst of it, that reversing the loan modification of XX/XX/XXXX that was made when the loan was being serviced by XXXX XXXX was in the works. I refused to speak with XXXX XXXX after that conversation because she talked down to me and seemed as excited and joyful as a soccer fan as she relayed to me all the terrible things OCWEN was going to do to me. Her tone of voice was jovial, full of joy, excitement and passion, as if she was engaged in XXXX and really XXXX delivering bad news. 
Reversing the loan modification of XX/XX/XXXX was put on the back burner when I reported the reversal of my loan assumption and my six year perfect payment history and that OCWEN was stealing Keep Your Home California money and HAMP incentive money that I as a home owner had applied for and earned by my perfect payment history. 
The abnormal amount of time my " Probation '' period lasted feels criminal and very punitive. 
It also feels punitive, as if I am in some sort of debtor 's prison that my six year perfect payment history only seemed to annoy OCWEN and make them try harder to find ways to punish me, lowering my credit score with an assortment of different " optional '' remarks that carry hefty score lowering clout, causing my score to drop XXXX to XXXX points as soon as the optional remarks were added by OCWEN. Each time Ocwen would claim the remarks were " Mandatory '' even though all the bureaus said they were completely " Optional '' and each time the remarks were different. 
XXXX XXXX became my next point of contact in the Ocwen Ombudsman 's office. In a soft spoken, serious voice he would send me on back to back wild goose chases to verify if the accusations he made against XXXX, then XXXX, then XXXX again were true or false. It was a great burden on me to write letters, make phone calls and check out the accusations and in each case what XXXX XXXX claimed was caused by XXXX or XXXX was in fact caused by OCWEN. XXXX XXXX would make serious accusations against XXXX, accusing them of changing the XXXX score. I told him that from now on he needed to put his accusations in writing. He did put in writing that OCWEN puts score lowering statements on MANY Ocwen accounts, remarks that are optional but OCWEN has made a mandatory internal policy to lower scores however they can. XXXX XXXX told me many of the " errors '' he correct could " happen again '' and he would fix them again. I contacted his supervisor and his supervisor 's supervisor. The sheer number of times there have been " errors '' on my account since XXXX XXXX is proof that OCWEN is either the most incompetent organization on earth or engaging in criminal activity or perhaps both. I feel like I have been financially kidnapped by OCWEN and denied my Constitutional rights. OCWEN is engaging in a form of slavery. Even after OCWEN it told not to overturn loan mods, they started the process of overturning my XX/XX/XXXX loan modification. They only put the process on hold because XXXX XXXX told me to report OCWEN to the CFPB. They have indicated to me that it could happen in the future and that the assumption of the loan could be reversed again, my credit score could be messed up again by incorrect info reported by OCWEN. They threatened me by telling me every time I report them it to the Attorney General and the CFPB, it causes them to do things that harm my credit score, that it 's my fault

Company response to consumer: Closed with explanation