OCWEN FINANCIAL SERVICES LLC OUTSOURCING TO INDIA FOR LOAN MODIFICATION AND DOCUMENTS BEING LOST

I have been speaking to Ocwen re: a loan modification since February 2009. Then on March when the Obama plan came into play I was given a new set of documents to fill out and return to them by fax, which I did immediately sent March 10th 2009. Waited to hear from them no response so when I called them they had not received documents, so they mailed me another set. I again filled out the same 3 papers
and returned them to them. again after waiting for a response I received another set of the same documents to fill out, when I called them they said they did not have anything from me so I again filled out the papers and sent to them, at this time the sale date on my home was 3/20/09 and they extended it to 4/-3/-09. when I still had not heard from Ocwen I called them again and was told they need more information. which I immediately sent again., a du plicate copy of when I had previoyusly sent them. the people they have handling these things in india do not have a clue as to what they are doing I am not the only one complaining about the service. I call them every day as they give me a different answer each time I call, I am now telling them that I am recording their phone calls for future legal use., as I no longer trust the way Ocwen is handling this sensitive matter. My original loan was from Delta funding, who have just recently been hit with a consumer and lending loss, and I feel that Ocwen is totally tied in with them, and must know how delta has been handling the loans they send to Ocwen for servicing. A class action suit should be filed against them. When I called today 4/13/09 I was told again they needed another paper from me, they said they had the fax I had sent but they could not see what I had sent. now the sale date is 4/17/09, they leave me no further choices. They are just stalling for time.,
Lulu Snohomish, WashingtonU.S.A

Ocwen Financial Filed fraudelent credit report stating they forclosed on me and they refuse to fix it. They got paid there money, but won't admit it.

This company bought my son's loan from Ameriquest. I was the co-signer. When Ocwen got it all of a sudden I was the only signer. The property became involved in a legal battle with family and they illegally added their names to the deed. I no longer had legal rights and never got a dime of the piece of property. Wasn't even a mortgage. Ocwen told my son they would wait for the sale to go through, but threatened all the time. The sale went through, I got nothing. Ocwen because of false lien filing (filed on someone elses property) still reported on my credit that they foreclosed. I sent them a copy of the letter they sent me stating it was paid in full, I sent them a copy of the settlement statement stating it was paid in full and still they won't take it off my credit. Its like a personal vendetta against me, because I want to refinance and they want me to continue paying the price of their ignorant hate. They actually hate white people and women, I am both. That to me is discrimination and they should be held accountable for that. They are all from India and think they are the superior race. Business is supposed to be non discriminate. Their practices are very shady. If the government bailed them out, we know who the government prefers out of country businesses.
LaurieFallon, NevadaU.S.A.
From: http://www.ripoffreport.com/reports/0/382/RipOff0382035.htm

Ocwen LOAN MODIFICATION COULD NOT MAKE MY PAYMENT BEFORE HOW DO THEY THINK I CAN MAKE A HIGHER PAYMENT West Palm Beach Florida

I did a loan motification in May, wanting to keep my house I did what they asked and gave them the down payment of $1,500. They said to make 2 payments for the first two months in the amount of $2,498.00. They still managed to send me a statement with late fees and other fees on top of that. I could not make my original payments that were around $2,100.00, why I agreed to it is beyond me. I recently contacted them again and advised that I just can't make those type of payments. They said that I could do another loan motification and that I would now have to come up with almost $2,700.00, which they said was an average of two monthly payments. I told the rep if that was true then why the first time was my down payment only $1,500.00? He could not answer me. I then asked if they were participating in the Hope for Homeowners program, he said that at this time he did not see that my loan would qualify that they had already sent letters to who did. I said that the program states that if the amount of your payment exceeds 31 percent of your income and that you needed to check with your mortgage company to see if they were participating. If you are participating and I fit the qualifications why can't I start the process. All he said was you might qualify later, but in the mean time the longer I wait the more my downpayment on a motification may go up. I could go on and on, specialy on how when you call customer service you get people who read a script from India. I have asked several times that I wanted to speak to someone in West Palm Beach and I get switched back to the main menu and get the same customer service in India. They act like they want to help but have the attitude of 'oh well'.....
ANDREApifer, FloridaU.S.A.
From: http://www.ripoffreport.com/reports/0/378/RipOff0378889.htm

Ocwen Financial Ways to Hold Ocwen Accountable, Straight Up Info, Take It Or Leave It West Palm Beach

Here's a few more contacts for you to voice your concerns. Start here with contact numbers and names. Beat their phones down and their emailsOcwen Consumer Ombudsman at (800) 390-4656 or OmbudsmanWilliam.erby@ocwen.com - 561-682-8520ronald.faris@ocwen.com - 561-682-8560scott.anderson@ocwen.com - 561-682-8913call into the switchboard at 407-737-5000 and ask for other members of upper management email and phone numberThe best way to get Ocwens attention is to call anyone above or below at the following companies that either supply Ocwen with your accounts or rate Ocwens performace and tell them how bad a job Ocwen is doing. Tell the companies that originated your loan how bad India is screwing up your account, terrible communication, lack of follow up, 5000 Indians, 5000 different answers etc... Tell the rating agencies that drive Ocwens stock price how bad a job Ocwen is doing. Again, Ocwen doesn't wake up every morning and say 'Now how can we screw our 400,000 accounts today'. Reminder, Ocwen makes more money via your performing loan vs a non performing loan, called an interest payment. Ocwen doesn't not intentionally or deceitfully try to break the law. They're just completely stupid via INDIA and upper management that can't settle into a consistent way of doing business. Everyday upper management wakes up and asks themselves how to make more money and they try different rules and regulations, internally, and hope that rules and regulations don't violate any law. Lehman Brothers - Richard Fuld Jr.Fitch - Thomas Crowe at 212-908-0227 or Kathleen Tillwitz at 212-908-0239Standard and Poors - Richard Koch - 212-438-2513 or John Bartko - 212-438-7368Moodys - Fern Wang - 212-553-4621MorningStar - ?Try also - Credit Suisse Bank - If these numbers don't work, call 411 for updated info but call the decision makers about your issue.Check Ocwens stock price - Pathetic - Ocwen stock price from 3.55 in 03 to 15 in 2006 back down to 4.65 in 2008. Erby will say, Well this and that, market conditions, economy, blah, blah, at the end of the day, little anticipation of your needs and his mismanagement which funnels down to his incompetent managment team.As a reminder, Ocwen is a skeleton crew in Orlando, FL, under 125 employees. Intuit - AKA Quickbooks supports takes up the entire top floor and over 1/2 of Ocwens bottom floor. They are also leasing out additional space that Intuit can't occupy. Most of Ocwens foreclosure reps are now in West Palm Beach, FL. India is your biggest liability if your loan is at Ocwen. Reminder, tell the Ombudsman or a manager to raise the USAO flag so that calls to you and from you will route to the US NOT india. And don't take Ocwens excuse that calls will still route to India whent the flag is raised, the call won't. Also tell a manager to place 'USA calls in and out only' in the comments screens on the front screen. Tell your congressman to mandate all calls about a mortgage stay in the US. Site communication, privacy and security of your SS#s and personal data in a foreign country as reasons to keep your accounts in the US. As far as the last comment made on 02/28 about why Ocwens doors are still open ?I can answer that, they don't blatantly break laws but they are sloppy with their rules and constantly changing processes. India and the US communication is extremely weak. What a US agent and a homeowner can discuss normally, is foreign to an Indian, they don't have a mortgage system in India. They are learning on the job with your loan and their turnover is very high. Read my original email from 09/03/2007. They aren't crooks, they're just aren't very smart and you pay for their mistakes. When you have a delay in some sort of processing, It's India, when your payment is posted correctly or on time, It's India, when your payment is lost, It's India, when your fax can't be found, it's India, when your payment is sent back, It's India. As for your complaints on this site. Waste of your time. Your time will be better spent when you begin complaining to rating agencies and the companies that supply Ocwen their loans. Don't complain to the originator of your loan, complain to the lenders company president. A few of the companies that feed Ocwen their loans are New Century, Delta Funding, Lehman Brothers and a host of others. Ask you lender who they farm out your loan to for servicing. Spread the word far and wide. The only problem with you sounding the alarm is that there are so few of you. Keep in mind, Ocwen services about 400,000 accounts. There are about 1300 complaints on this site. 4000 complaints are only 1%. So all you combined are less that .25 of 1 percent. But if you all call rating agencies, mortgage lender presidents, the BBB etc... you might get a more favorable response. As for the main way to get Ocwen off your back. Pay your mortgage payment on time. A forbearance plan is a priviledge not a right. Basic Forbearance Plan 101. If your payment is 100.00 and you are behind 1 month, How do you make up the payment ? Pay an extra 50.00 over 2 months, or an extra 10 over 10 months, but until your missing payment is accumulated and then utilized to complete the missing payment, you do pay a late charge, but that's better than loosing your home. Ocwen doesn't want your home. Most of you have deferred maintenance needing attention, you may live in a bad area on and on. Ocwen doesn't want the hassle of carrying your homes cost until sold. They want you interest payment. They are rated as a servicer based upon delinquency. Ocwens infrastructure is weak at best. They are constantly changing, never, never letting their process settle or gain strength before changing again. All this does is to keep the employees off balance and compromise the servicing of your loan. Ocwen calls Six Sigma constant process improvement, but at the end of the day, every conversation splinters the effort of servicing your loan that much more. If you read back years ago, you can find many posts from Robert the crybaby in Crestline California and Marlene the motormouth from Miami, FL. The worst homeowner that didn't understand the process of loan servicing was Kweku - (puke-up) Hansen. These 3 main whiners were the worst. They don't have a clue how the home they own became theirs or their responsibility once they signed on for the loan. Make it a point to educate yourself on homeownership responsibility. You have a responsibility to repay what you borrowed. You didn't sign a promise to pay.... unless this or that happens in your life including medical issues, loss of job, economic conditions or even if you croak. Ocwen is terrible as a loan servicing company, but you signed a promise to pay. They are governed by what you signed per the companies that assign loans to them. So, quit your complaining and pay what you owe on time.I'll address any issue from anyone, if you don't pay your mortgage payment for whatever reason, you are guilty. Unfortunately, I still have to audit Ocwens processes and screwups and I'm still amazed at the ineptitude but still not excuse for your lack of prompt payment.
Ocwen Facts of LifeWest Palm Beach, FloridaU.S.A.

From:http://www.ripoffreport.com/reports/0/327/RipOff0327262.htm

OCWEN Loan Servicing, LLCOCWEN Loan Servicing, LLC And RIchard B. Maner, PC Delta Funding and Fidelity Mortgage went bankrupt. OCWEN Loan Servicing,

OCWEN Loan Servicing, LLCOCWEN Loan Servicing, LLC And RIchard B. Maner, PC Delta Funding and Fidelity Mortgage went bankrupt. OCWEN Loan Servicing, LLC is based in INDIA. They were a federal bank in USA but our government shut them down! Atlanta Georgia

Delta Funding, the mother of Fidelity Mortgage, went bankrupt. Their doors are shut. Not one human 'mans' the office. OCWEN Loan Servicing, LLC took our payments for Fidelity, my mortgage company.During this time I filed Chapter 13. I sent in payments for 4 months consecutive; however, less than the amount due. My checks were cashed. I received a phone call, not a letter, from a man named Reid informing me that my mortgage company went bankrupt. He could not answer many questions. Although this is what he did provide: OCWEN was once a federal bank in the US. Our government shut them down due to breaking the FDIC regulations. OCWEN is now based in INDIA! They are difficult to get a hold of and seek to take property that have large equity in them. Reid explains that I would be notified by a new mortgage company. To date I have yet to hear from 'Reid' or Fidelity Mortgage via phone or in writing. Last week I receive a letter from Attorney Richard B. Maner, PC in Atlanta, GA, on behalf of OCWEN Loan Servicing, LLC stating I will be in default if I do not pay a substantial amount of late fee's and payments. The letter did not show my consecutive payments.I phoned Reid yesterday to find out my loan and about 29K other loans are not being bought in bundles. That there are not many mortgage companies that want to buy large debts. That if my loan was 100k and under possible. Unfortunately, my home has been without insurance for 4 months, as I just cannot afford it. I wonder why OCWEN did not place or demand insurance, as any other 'mortgage' or servicing company would. They are only demanding money for payments and late fee's. To whom will they pay it to? I question how can a loan servicing company represent a company that no longer exist? If my checks were cashed does that set a standard? What rights do OCWEN have?What government wants to step in and assist americans against a foreign company who already broke our laws? What Attorney would want to represent a foreign company that makes American's homeless? I would appreciate any support.
Jacqueline JacquelineTybee Island, GeorgiaU.S.A.
http://www.ripoffreport.com/reports/0/374/RipOff0374202.htm

Ocwen Financial Ways to Hold Ocwen Accountable, Straight Up Info, Take It Or Leave It

Here's a few more contacts for you to voice your concerns. Start here with contact numbers and names. Beat their phones down and their emailsOcwen Consumer Ombudsman at (800) 390-4656 or OmbudsmanWilliam.erby@ocwen.com - 561-682-8520ronald.faris@ocwen.com - 561-682-8560scott.anderson@ocwen.com - 561-682-8913call into the switchboard at 407-737-5000 and ask for other members of upper management email and phone numberThe best way to get Ocwens attention is to call anyone above or below at the following companies that either supply Ocwen with your accounts or rate Ocwens performace and tell them how bad a job Ocwen is doing. Tell the companies that originated your loan how bad India is screwing up your account, terrible communication, lack of follow up, 5000 Indians, 5000 different answers etc... Tell the rating agencies that drive Ocwens stock price how bad a job Ocwen is doing. Again, Ocwen doesn't wake up every morning and say 'Now how can we screw our 400,000 accounts today'. Reminder, Ocwen makes more money via your performing loan vs a non performing loan, called an interest payment. Ocwen doesn't not intentionally or deceitfully try to break the law. They're just completely stupid via INDIA and upper management that can't settle into a consistent way of doing business. Everyday upper management wakes up and asks themselves how to make more money and they try different rules and regulations, internally, and hope that rules and regulations don't violate any law. Lehman Brothers - Richard Fuld Jr.Fitch - Thomas Crowe at 212-908-0227 or Kathleen Tillwitz at 212-908-0239Standard and Poors - Richard Koch - 212-438-2513 or John Bartko - 212-438-7368Moodys - Fern Wang - 212-553-4621MorningStar - ?Try also - Credit Suisse Bank - If these numbers don't work, call 411 for updated info but call the decision makers about your issue.Check Ocwens stock price - Pathetic - Ocwen stock price from 3.55 in 03 to 15 in 2006 back down to 4.65 in 2008. Erby will say, Well this and that, market conditions, economy, blah, blah, at the end of the day, little anticipation of your needs and his mismanagement which funnels down to his incompetent managment team.As a reminder, Ocwen is a skeleton crew in Orlando, FL, under 125 employees. Intuit - AKA Quickbooks supports takes up the entire top floor and over 1/2 of Ocwens bottom floor. They are also leasing out additional space that Intuit can't occupy. Most of Ocwens foreclosure reps are now in West Palm Beach, FL. India is your biggest liability if your loan is at Ocwen. Reminder, tell the Ombudsman or a manager to raise the USAO flag so that calls to you and from you will route to the US NOT india. And don't take Ocwens excuse that calls will still route to India whent the flag is raised, the call won't. Also tell a manager to place 'USA calls in and out only' in the comments screens on the front screen. Tell your congressman to mandate all calls about a mortgage stay in the US. Site communication, privacy and security of your SS#s and personal data in a foreign country as reasons to keep your accounts in the US. As far as the last comment made on 02/28 about why Ocwens doors are still open ?I can answer that, they don't blatantly break laws but they are sloppy with their rules and constantly changing processes. India and the US communication is extremely weak. What a US agent and a homeowner can discuss normally, is foreign to an Indian, they don't have a mortgage system in India. They are learning on the job with your loan and their turnover is very high. Read my original email from 09/03/2007. They aren't crooks, they're just aren't very smart and you pay for their mistakes. When you have a delay in some sort of processing, It's India, when your payment is posted correctly or on time, It's India, when your payment is lost, It's India, when your fax can't be found, it's India, when your payment is sent back, It's India. As for your complaints on this site. Waste of your time. Your time will be better spent when you begin complaining to rating agencies and the companies that supply Ocwen their loans. Don't complain to the originator of your loan, complain to the lenders company president. A few of the companies that feed Ocwen their loans are New Century, Delta Funding, Lehman Brothers and a host of others. Ask you lender who they farm out your loan to for servicing. Spread the word far and wide. The only problem with you sounding the alarm is that there are so few of you. Keep in mind, Ocwen services about 400,000 accounts. There are about 1300 complaints on this site. 4000 complaints are only 1%. So all you combined are less that .25 of 1 percent. But if you all call rating agencies, mortgage lender presidents, the BBB etc... you might get a more favorable response. As for the main way to get Ocwen off your back. Pay your mortgage payment on time. A forbearance plan is a priviledge not a right. Basic Forbearance Plan 101. If your payment is 100.00 and you are behind 1 month, How do you make up the payment ? Pay an extra 50.00 over 2 months, or an extra 10 over 10 months, but until your missing payment is accumulated and then utilized to complete the missing payment, you do pay a late charge, but that's better than loosing your home. Ocwen doesn't want your home. Most of you have deferred maintenance needing attention, you may live in a bad area on and on. Ocwen doesn't want the hassle of carrying your homes cost until sold. They want you interest payment. They are rated as a servicer based upon delinquency. Ocwens infrastructure is weak at best. They are constantly changing, never, never letting their process settle or gain strength before changing again. All this does is to keep the employees off balance and compromise the servicing of your loan. Ocwen calls Six Sigma constant process improvement, but at the end of the day, every conversation splinters the effort of servicing your loan that much more. If you read back years ago, you can find many posts from Robert the crybaby in Crestline California and Marlene the motormouth from Miami, FL. The worst homeowner that didn't understand the process of loan servicing was Kweku - (puke-up) Hansen. These 3 main whiners were the worst. They don't have a clue how the home they own became theirs or their responsibility once they signed on for the loan. Make it a point to educate yourself on homeownership responsibility. You have a responsibility to repay what you borrowed. You didn't sign a promise to pay.... unless this or that happens in your life including medical issues, loss of job, economic conditions or even if you croak. Ocwen is terrible as a loan servicing company, but you signed a promise to pay. They are governed by what you signed per the companies that assign loans to them. So, quit your complaining and pay what you owe on time.I'll address any issue from anyone, if you don't pay your mortgage payment for whatever reason, you are guilty. Unfortunately, I still have to audit Ocwens processes and screwups and I'm still amazed at the ineptitude but still not excuse for your lack of prompt payment. Ocwen Facts of LifeWest Palm Beach, FloridaU.S.A.

From: http://www.ripoffreport.com/reports/0/327/RipOff0327262.htm

OCWEN OCWEN cheats people

Okay, so for the last three years, I have sent my payments in to Ocwen and usually have to wait three weeks for the payment to go through. This month, they ran my check through, and of course having paid my other bills, it didn't clear. I called them to see what needed to be done, having called my bank first, telling me that the check was returned to them. So I called them. This was the 21st of August. I talked to an agent (in a different country) who told me that it hadn't shown as returned, however if it does, (which my bank said did), then there would be a charge for the returned check, which was $25.00. So, knowing that the bank had returned the check to them, I went to the bank, and had a money order done in the amount needed, and sent it off to them, that day. Today, August 25th, I check my bank account, and I am in the hole, again, because they reran the check, which the bank had returned to them.....They're excuse, was that they never had it in their records that the check was returned to them. But they tried to tell me that I tried to have them take a payment by phone, which never happened, I don't like doing things that way, so why would I even go there? Then they tried to say that the payment would apply to September, well hello, if it didn't work the first time, how would it work the second time??? Now, this is a financial institution, wouldn't you think the agents would have up to date information as to when a payment has gone through, or if it didn't pass through the bank?? Am I giving our financial departments too much credit for hoping that they know what they're doing???? Apparently so.And how convenient it was because I was a male, they finally found a male to have me deal with, every female I spoke to wouldn't even respond to me. I found that to be quite amusing. Noone else could argue with me, so find the one in the bunch who could. Not that I could understand HALF of what he said?! Oh, yeah, and trying to get ahold of someone in the US who ould handle this account personally??? Not going to happen! JdsidDenver, ColoradoU.S.A.

from: http://www.ripoffreport.com/reports/0/366/RipOff0366559.htm

OCWEN Loan Servicing, LLC Stuck in the worst mortgage ever. They refuse to remodify. Can't refinance with anyone else!

I am stuck in what more than one person has stated to be 'the worst mortgage they have ever seen'. I refinanced with Fidelity in Charlotte N.C in April of 2007, by the way they are no longer there so I can't contact anyone. OCWEN got my mortgage somehow and I found out this year that my 30 year fixed which I was told by Fidelity turns out is a 50 year 5 year fix which I'm paying more than before I refinanced. This of course is my fault as I let the quick talking mortgage broker run too much.Anyway after finding out that I have this ridiculous mortage that I was also told I should have never been put in a 10% interest it should have been around 6% I of course tried to refinance....nobody will touch it. So I'm stuck paying a high mortgage with high interest and can't get out. My husband lost his job and now makes half of what he was, in October I will have to start repaying student loans and there is no way that this mortgage is going to work.After calling OCWEN many times and always speaking to someone in India, they will try and get away by when you ask where you are calling they say 'we have call centers in florida', but ask ...'no, where are you?' and they will tell you India. This company will pretend they will try and work with you. I spoke with a supervisor who I stated that I feel my terms of mortgage should be redone since I should have never been given this in the first place, he made me fax all my paperwork in and told me I would hear back in 5 days...okay 2 weeks later I have to recall only to be told that they see no reason for remodification since I'm not late and can pay. They then told me that I had to change my financial statement to say that my bills weren't so high and then they could 'work with me'. This is fraud and I let the gentleman know this, he said 'fine'. Well after lowering my bills and still not hearing back...2 weeks later called again only to be told....no we will not modify, you can pay your mortgage. I have yet to receive any letter denying my modification request. I spent alot of time faxing information when they had no intention on ever helping. I asked them if they were waiting for me to lose my house before they would help but after reading posts on them I don't think they would even help then.I'm stuck and don't know which way to go....I'm thinking on selling the house but I probably won't make enough to cover what I owe on the mortgage and there is a $6,000. early pay off. If someone has any advice that has dealt with this company please let me know.

from:http://www.ripoffreport.com/reports/0/363/RipOff0363771.htm
Callecoco Inverness, FloridaU.S.A.

Ocwen Complaints - They are a joke

I am having the same problems with Ocwen all the fees and hours on the phone on hold! I admit I was behind on payments but I made ever effort to fix it I did everything they told me too and am still behind by there calculations! I am considering hiring a lawyer! Dose anyone know any less costly way I can report them and get some legal advice on how to fight them! I had a forbearance plan in place paid it and there was a modification after that they lost my paper work when I sent it in I was smart though and sent it certified! I had to fax them copies of everything! I now find out they have been miss applying my payments to the old forbearance plan not my modification!
UGH HELP!


from: http://www.complaintsboard.com/complaints/ocwen-c60123.html

Ocwen Federal Loan Servicing Company Threatened With Foreclosure when I'm Not Even Behind Payments Orlando Florida

From:http://www.ripoffreport.com/reports/0/326/RipOff0326187.htm

ocwen has sent me a modification agreement to my Loan for me to sign, if i agree to sign it i give up all my rights to pursue anything from them but if i dont sign it i could be forced into forecloser on, based on prior servicer fees,previous bankruptcy expenses and legal expenses they are charging me . I'm not behind on any payments nor have any been missed,I have called them many times and it doesn't do any good,calls are rerouted to a call center in india,where you get someone you can't understand, and you get no where. They tell you their research team will get back to you and it could take up to 15 days.Why is this Company allowed to Operate in this Country and where is the Goverment to protect it's people from wolves like this.it just goes to show you the little people have noone to stick up for them.
Darlapoplar bluff, MissouriU.S.A.

OCWEN WHY DO THEY CONSTANT WANT TO RIP PEOPLE OFF? CAROL STREAM Illinois

From: http://www.ripoffreport.com/reports/0/329/RipOff0329339.htm

Why do they constant rip off people? They send letters and make telephone calls. When you submitted the payments, they are sending or calling saying you owe more money.They are my worst nightmare and I'm trying to resolved it and can barely understand what is coming out of their mouth, and have of them don't know nothing.It's bad enough your on hold for ever and then they put you back on hold or disconnect you from the line.Is, anybody else going through this in Texas?, i readed on other states.
Mz.fedupforreal SAN ANTONIO, TexasU.S.A.

Ocwen, ocwen Mortage Major rip off Orlando Florida

From: http://www.ripoffreport.com/reports/0/328/RipOff0328008.htm

My husband found out that they reported he was 3 months late with his mortage when he called he was transfered to a person in india who did not know anything after getting upset he hung up. I called back and was transerfed to india again after yelling at the person on the phone and cursing i told her i wanted to speak to an american person and if she did hang up i would call back and she would be sorry kind of childish but fter telling her i wanted to speak to a us person and not some moron in india thats taking jobs away from people in the us she finally transfered me to a us person you need to be persistant to spreak to someone in the usBhuneetasouth ozone park, New YorkU.S.A.