Ocwen Mortgage Complaint

Ocwen Mortgage department,

Other mortgage Credit decision / Underwriting California

Please accept this as a formal complaint against Ocwen Loan Servicing , LLC for failure to abide by RESPA guidelines. It is unfair and deceptive practice of OCWEN to request all necessary the information for their investigation and to still have our compliant as an unresolved matter. The original submission of our complaint to Ocwen was on -/-/- and Ocwen made the first day of the investigation, effective -/-/- once it was taken over by a different department, Office of Consumer Ombudsman at Ocwen. It has now taken - days and the issue is still unresolved. Under RESPA, an institution may be granted a - day extension following the expiration of the first - days after receiving the request. Please note my written request, per their instruction, was submitted -/-/- ; as of today, -/-/-, I have yet to receive a resolution from Ocwen. For your reference, please note the following : On - -, -, I purchased a single family property located at : - - - -, CA -, - # - with a first loan in the amount of $430000.00 through - - - Mortgage and a second loan with - - - in the amount of


-. On - -, -, I short sold the property located at - - - -, CA - ( Ocwen 's records show - - - - -, CA -, and should say - '' ) ; however, this did not report accurately on my credit report and it was found that as of - -, -, the balance of the second loan is still reflected on my credit report. My wife and I are currently in the process of obtaining a full conditional approval for a mortgage loan through - - - -. Due to the fact that Ocwen is still on my credit report, we have not received the approval and this is negatively impacting my FICO score as the balance shows unpaid. I escalated the matter to Ocwen 's Office of the Consumer Ombudsman on -/-/- and have provided all legal and recorded documentation indicating that as of -/-/- I am no longer responsible for this property. A copy of The Substitute of Trustee & Deed of Full Reconveyance filed - -, - with the County of - - by - - - followed by the Full Reconveyance filed - -, - with - - of - - by - - - Mortgage have all been provided and are in possession of Ocwen. To help speed the resolution process, I also provided copies of the outgoing wire sent by the Title Company to GMAC, the escrow settlement statement and the short sale approval letters. I am respectfully requesting Ocwen to provide proof that the loan is no longer in my name, have their records updated accordingly and also this matter be reflected on my credit report, having it backdated to the respective -/-/- timeframe. I have provided all the necessary documentation and more than complied with all their request. It is unfair to me and my family that this matter has not been resolved and that we continue to miss out on good opportunities to purchase a home. I kindly ask that you please hold Ocwen and its executive office accountable for their actions. This is clearly a violation of RESPA and TILA and unfortunately now find myself with no choice but to escalate this complaint through your regulatory agency, who has jurisdiction over RESPA matters. Thank you for your time and attention to this matter.