Consumer complaint received 2018-09-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Sad to inform that XXXX Bank along with XXXX XXXX XXXX  that Today is Ocwen 's are taking care ff my loan .Therefore when the economy meltdown of 2008 happened, My business of more then 15 years felled apart as well, leaving me among many homeowners at the mercy of my bank institution. 
Since beginning of my nightmare I perceived that would be hard to get any help from them. On the contrary as i stated before along with the company they hired to handle my loan. They tried to sell my home even before 21 day required by law. By accident I found out and fighted in court about this injustice that was about to happen and the sell was stopped. 
There was lots of discrippency that happened in my loan that cost some home owners have their foreclosure case stopped. But now it looks like some states the law changed to accommodate their wrong doing. 
Such as They tried to foreclosure me would out proper papers in court Such as : XXXX Assignment of the mortgage ( it was done 2 years after the case went in foreclosure ) I mean they could had sold my house even with out the assignment of the mortgage been in court. 
_when they filled the assignment of my mortgage it was done improperly, They had hired the Lawyer XXXX . He became well known lawyer who allegedly filing false and misleading mortgage documents.When you look at my assignment of mortgage you will see all over signature of XXXX XXXX. They presented him as officer of MERS..On my papers it shows him as the one who signed the assignment of my mortgage, but had not position, or authority to sign any legal assignment of mortgage. As many court case stated and some even won on those arguments. 
_ at time in court lawyer XXXX stated they had lost the mortgage note and had no knowledge of it whereabout. Now out of the blue, the note is there, Many time I requested a forensic of my note and they have ignored me. 

But now more then all, I have though the years requested a modification. They had ignored or when they gave me was a modification that could not help due to enormous amount of money they wanted me to pay even though my monthly income was lower then the mortgage monthly payment they were giving to me. 
My financial situation has changed drastically. And now I can afford to pay my mortgage I requested a modification. and look what they told me Please be advised that the modification was denied as we are unable to offer you a proprietary modification as the owner and/or insurer of the loan did not approve the loan modification request So now XXXX bank does not want to help me .and they are the trustee or the owner of the mortgage, Which I'm not really sure if they really are, because my mortgage was sold so many times in the XXXX XXXX, i believe that is the reason they don't have the actual note. They don't know who is the investor. 
I requested My PSA so I could compare with what I have and they ignored me totally as well. At one time they said they were sending me one and it has been more then 2 month and they never send me a copy.Because if you look at my PSA it has nothing saying the investor has any saying on a modification .If it is not true I ; m requesting from them to show me the prove that the PSA says investor does have a say on a loan modification. If you decide to act in a good conduct please tell your associate to let my house to be modified. Otherwise, basically they are doing as always whatever they want and have no regards for the law. 
So, my question is when some one will stop them? 
It has been years after year XXXX Bank has done some much wrong with the home owner. They have enriched them selves at the cost of many americans like me loosing their home. 
I need some one to look at this and help me. 
I have the money to pay my mortgage. Do they prefer to give my house to someone else instead of me the owner? How cruel is that? Is that fair? Why they don't want to work with me? Are they trying to make more money out of my house as they did before?

Company response to consumer: Closed with explanation