Consumer complaint received 2018-08-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Original loan date is XX/XX/XXXX, we have been with Ocwen since XX/XX/XXXX, prior to them we had XXXX. They are constantly charging fees of unknown origin, late fees, atty fees, foreclosure fees on foreclosures that never happened. At this time i'm not even sure how much we actually owe or even what our house payment really is. I will begin with the latest thing that has come up and we can go from there. In XX/XX/XXXX, i received and submitted a application for modification, in XX/XX/XXXX we began to pay XXXX the 3 month trial period. I received a modification agreement stating the amount of XXXX was our payment. I have attached that modification also showing a balance of {$94000.00} and a balloon payment of {$78000.00} after 30 years. We discussed this with our Bankruptcy attorney and i again contacted the Relationship manager asking that if they could submit another modification. After that the relationship manager scheduled several appointments and they were not kept, on the appointment date, i received a call stating that she was busy and we need to reschedule, this happened several times from XX/XX/XXXX to XX/XX/XXXX at which time a Motion to Lift Stay was filed with the Trustee. We were in Chapter XXXX bankruptcy since XX/XX/XXXX and on or about XX/XX/XXXX Ocwen filed a Motion to lift Stay stating that we had paid our mortgage since XX/XX/XXXX. We had continuously paid our mortgage and am attaching e-mails from them showing payment was received. i contacted Ocwen on XX/XX/XXXX to speak to a relationship manager about a modification, i was told there was a permission to speak letter on file, and set an appointment, on the appointment date of XX/XX/XXXX, i did not receive a call, but did call them and was told that a permission to speak letter was not on file, my attorney e-mailed it to them on XX/XX/XXXX, i reached out to them again around XX/XX/XXXX and was told that it would take 10 days for them to receive and i should check again in 10 days. i called again on XX/XX/XXXX they stated they had not received it. Again i contacted the attorney and asked that i give a little more time, so i contacted them on XX/XX/XXXX and they still stated they had not received it, he submitted it again on XX/XX/XXXX, they still stated they did not receive it, he again sent it on XX/XX/XXXX and they acknowledged receipt of it on XX/XX/XXXX. was also told that a modification packet was sent out on XX/XX/XXXX, which i later was told by another Relationship manager that it was not sent out. they finally sent it to me on or about XX/XX/XXXX. Two days later they filed the Foreclosure on XX/XX/XXXX and set it to auction on XX/XX/XXXX. I submitted the modification form on XX/XX/XXXX, via e-mail and confirmed via telephone that they had received it, they stated that it would take up to 30 days to review. I explained to her that we didn't have 30 days to wait as it was already on the foreclosure auction list. She stated that it was suspended at this time until the modification is approved. 
At this point we feel that we do not owe the XXXX in arrearages they are claiming from XX/XX/XXXX to present. We requested a payment log from them, received it, but as a lay person, we can not make heads or tails out of it. Please help us with this as we do not want to lose our home of 17 years. This has been going on for Years with them and we just want to know what we REALLY owe.

Company response to consumer: Closed with explanation