Ocwen Ocwen pretending to help homeowners , Internet

Ocwen is my loan processor - they're motto is "helping homeowners is what we do" but it should be "pretending to help homeowners is what we do."

After becoming unemployed I sought out a loan modification to my mortgage of which Ocwen is the loan processor.  I applied for HAMP and HARP which I didn't qualify for because when I got married my underwater property became a secondary residence.  I applied for an internal modification which they first told me that I qualified for but then said that I didn't because the owner of the loan said I didn't meet their financial guidelines even though I've never missed a payment and have excellent credit.  After six months of lost paperwork, requests for forms that don't exist, telling me that they will send information that they don't, etc. they said that the rules have changed and wanted me to start all over again.  Rather than spending another six months wasting my time with countless phone interviews and paperwork I checked it out for myself.  I still don't qualify for HAMP for the same reasons as before and I don't qualify for HARP 2.0 because my loan is not owned by Fannie Mae or Freddie Mac.  Ocwen refused to divulge the owner of my loan although they did pretend to send me the information twice.  I had to find out the owner of the loan myself through the MERS system at http://www.mersinc.org/  Whether Fannie Mae or Freddie Mac backs the loan can also be researched online at http://harp-mortgage.com/who-owns-my-loan/ - I also called them both to make sure.  If you're in the same boat, research the information yourself because Ocwen will take six months of pretending to help before telling you they can't help you.  It took me two days to research it myself.  How does such an incompetent company survive?