Ocwen Mortgage Complaint

Ocwen Mortgage department,

Conventional adjustable mortgage (ARM) Credit decision / Underwriting California

In approx - Indymac Bank gave my then husband, - - a loan. - asked if he could take me off the loan and promised he would put me back on soon afterward, that this was a special deal he and his racquetball buddies were all doing to save money. What in fact happened is that I found - - was NOT using my paycheck to pay bills each month anymore. I found stacks of unpaid bills. His intention was to inherit a " free house '' from his parents who were near death and he got his " free car '' by making the Indymac loan that he never intended to pay. I stopped giving him my paycheck and he moved in with his parents.We divorced. I got him to sign a document giving me power of attorney to pay all debts connected to the home, home loan, HOA fees, all debts he had abandoned. He signed a quit claim so I was on the deed again. I contacted Indymac via a three way call with the organization HOPE helping me and asked how my request to modify and assume the loan was progressing. Indymac told me and HOPE


this morning ''. I put my - son - in the car still in his pajamas and - - filed Chapter - and stopped the foreclosure 15 minutes before the home was to sell. With the open Ch - I was able to achieve a loan modification. The loan was purchased by - Bank and managed by - - -. I started paying the modified loan on - -, - and to this day have NEVER been late, never missed a payment. - - was satisfied that I was going to continue paying on time and sent me an assumption packet so I would begin to get credit for paying the loan on my credit reports. A week later the loan was moved to OCWEN. OCWEN 's underwriters refused to recognize me until - -, after I had been paying the loan six years. They finally let me assume the loan. I immediately contacted KYHC, Keep Your Home California and applied for help with the upside down loan. KYHC gave OWEN over $74000.00, which Ocwen accepted for the payment of my Ocwen Loan # -. Ocwen then told me repeated in writing and via phone that they reported my loan to all the credit bureaus. They gave me a letter to show the bureaus to show it was the BUREAUS fault if my home loan was not being reported. In fact, - told me that on - - OCWEN removed my home loan. - told me OCWEN removed my home loan on - -. It was removed from - as well. Ocwen claims I am responsible for the loan but should not get credit for the payments I made because of the Ch - filed due to divorce. Ocwen claims - - should not have modified the loan. Ocwen is making such a confusing mess that I request CFPB investigate and get them to let me get credit for paying this loan. I have NEVER been late. Since the divorce this loan has been paid by me only and ALWAYS on time. I have begged - - to let me assume this loan from day one. It seems like very punitive harsh punishment for me and my - son to suffer while -/Ocwen take my money for six years and yet treat me like I do not deserve to have my loan reported to the bureaus like most people do. I feel I am being treated like an indentured servant who has no rights.