Consumer complaint received 2018-08-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As many Americans my finances was deeply affected by the XX/XX/XXXX economic crash. With that, from been very stable economically Our live changed drastically economically speaking. Sense my business required travel I was still fighting as I could to save our business and we ended up falling behind in our mortgage payments. Right way I called my bank asking for help However help did not come. Before 3 month that I stopped paying my mortgage bank went ahead to court without getting a hold of us and tried to foreclosure and sell our house with out our knowledge. ( And I m talking about before the 20 days required by law ), I had to go to court and explain to the judge that I did not know about the sell and he put a stop on the sell. But any way they give me a final judmente even before I wss served and did not it up after finding out their mistake. Sense the beginning To loose our home was not an option, so, we started to fight to the best of our knowledge to save it. I requested modification. But all modifications offered to me was predatory and deceptive. The intend of your bank was not to help me but set me for a felling. And I will explain to you why i'm saying that .Hamp program guide line for mortgage payment was 31 % of the home owners gross income and at the time my income was XXXX yearly. The 31 % of XXXX would be XXXX.. Can you anderstant why I was not able to accept the offer? Right now my financial situation is better ( much better ) again I requested a modification and they did not accept my modification request .Many excuse was giving to me one of them was that my investor was not agreeing with my request. I have been looking at the all documents of my mortgage. So far I dont see that the investor has a say on my loan modification. I have asked for the bank for the name of my investor so I could call him talk to him and they kept saying to me that XXXX XXXX  is my investor. But at this point I do not know who is my investor. Because the house was sold many times in the XXXX XXXX. TO THE POINT that even them do not know where is the note of my loan. 
This bank has used deception in my loan sense the beginning of it, such as -Less then 20 days of filing foreclosure paper in court, they tried to sell my home without communication with me. 
XXXX foreclosure filling was in filled XX/XX/XXXX Assignment of my mortgage was filled in court years after the foreclosure filling in XX/XX/XXXX ( 2 years after the foreclosure filling ) _ a alleged rob signer. XXXX XXXX. His name is all over many foreclosure papers.He was accused of been a mortgage lending company employee who prepared and signed off foreclosure without reviewing it. He signed off those papers for lawyer XXXX that eventually was in the list of foreclosure mills that became a target on attorney general in Florida and accused of using robo-signers to attest to the veracity of documents that would have no stander in court otherwise. 

- The lawyer XXXX XXXX testified in court that my note was miss placed and they had now-hereabout of it.If the note is lost and I have the pooling of mortgage in XXXX XXXX. Then, who is my investor? I called the bank they told me the same thing. 

AS you can see there is lots of fraud in my loan. I do not want to use it to get a free house. I just want reasonable modification. No predatory modification. If this bank had good faith in their ways they would be the first to offer mi a fair modification after seeing so many mistakes they made in my loan and after getting so many law sueand loosing in court on the same issue with many different costumers.

I'm a fighter and I will not rest.

I read a article in a news paper where your company and others are working hard trying to fix the issues that ocwen company has on it deceptive ways towards the home owner and you want to facilitate for home owner that struggled with them. I '' m one more home owner who needs your help. Please I beg you don't close your eyes to my situation. I will keep whistle blow it. as I have been doing it. Till my voice be heard.

Im seeking a modification and they again denied .I have a stable income I just need my loan to be modified so I can keep my home. I

Company response to consumer: Closed with explanation