Consumer complaint received 2018-09-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : loan # XXXX To Whom it May Concern : I am writing this letter to request a mortgage modification that will allow me to continue to make my mortgage payments and stay in my home of 11 years. Asking for a STOP of the foreclosure sale scheduled for XX/XX/XXXX. 
I had fallen behind due to decreased income in XX/XX/XXXX and my loan modification was denied due to missing documents XX/XX/XXXX. I have boxes of letters from OCWEN however, I have never received any actual help with a loan modification approval. 
I have never borrowed money against my home. I have a Flex Pay loan/Neg Amortization Loan on my first and a closed end 2nd. I have a 80 % first, 10 % second, and I put down the remaining 10 % for the purchase of my home. I Have never borrowed against my home. I have never been able to refinance my home. 
I have never been modified even though I was part of the " Hardest Hit California '' Group of homeowners. Most of which have since lost their home to either Foreclosure, or Shortsale. 5 of my neighbors lost their home. 
My dad didn't have a copy of his retirement pension, which is why we were denied. He only had the bank statements showing his social security and government pension going into his bank account, which I had provided. Unfortunately, at the time was not sufficient enough for the underwriter. Although, I was doing better financially, I personally had exhaused all my retirement and savings trying to save my home. The loan then was transferred to OCWEN from XXXX. All the paperwork was lost. When I called OCWEN, they said that they never received it from XXXX. I was unable to reinstate or modify I had fallen further behind. 
My dad, who was living with me and a contributor at the time, said to call the bank to see if he could help me to reinstate. He was willing to use all his savings. I was told by representative XXXX lD # XXXX on XX/XX/XXXX at XXXX Pacific time, that the payoff the total amount due to reinstate was {$33.00}, XXXX. I told her I wanted to include my XX/XX/XXXX` payment of {$2200.00}. 
She said go ahead and make the wire for {$35.00}, XXXX instead of {$33.00}, XXXX and that will take care of your XX/XX/XXXX payment. She confirmed that my next payment due date was XX/XX/XXXX for {$2200.00}. On XX/XX/XXXX, my dad wired {$35000.00} to OCWEN. That was the amount that was given to m by OCWEN, see attachment of the Reinstatement Quote. 
I have a confirmation of the wire sent and received by OCWEN. See attachments. However, the funds were misapplied and caused me to go into default again. On XX/XX/XXXX, I spoke with XXXX 1D # XXXX to verify that my next payment would be due XX/XX/XXXX for {$2200.00}. I received a confirmation on XX/XX/XXXX confirming the payment for {$35.00}, XXXX had been received. I called OCWEN on XX/XX/XXXX, to make my payment for XX/XX/XXXX. I spoke with XXXX # XXXX, I spoke with ID # XXXX XXXX, at XXXX XXXX. I spoke with lD # XXXX, XXXX # XXXX, she said that the wire had not been applied to the computer system and it was not allowing her to accept my payment. She said she saw the wire had been received, however the computer did not allow her to make the payment. It was still showing 1 was in default. I begged her to escalate the call. She transferred me to XXXX ID #, Escalated Relationships Manager. She said she the system would not allow her to take my payment either. So, I left many messages for the Ombudsman to try to get help. 
Unfortunately, we never were able to connect. I sent him an email letter stating my urgent situation. I then received a Notice of Default, before they reinstated the money dad had wired to OCWEN. 
The bottom line, the payments were applied incorrectly on XX/XX/XXXX. I continued to reach out for help. Unfortunately, it appeared no one knew how apply the wired funds correctly to remedy the situation. Please see attachment of Mortgage interest statement. This was all I received with no explanation as to what exactly happened and I was never reinstated with the opportunity to just make my payment of {$2200.00}. Therefore, It was never remedied for me, the mistake caused me to go back into default and behind yet once again on my payments. 
I also lost my best friend last year, my dad. He lived with me for 7 years, and XXXX took over his body. He had prayed he would see OCWEN modify our home loan before he passed XX/XX/XXXX. I miss him dearly. 
I was given no other choice but to file a BKXXXX in XX/XX/XXXX. I had submitted timely payments to both the Trustee and to Ocwen for my mortgage for 12 months, from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the court granted debtors application for order confirming that loan modification discussion would not violate the stay. However, even after my attorney mailed it to OCWEN, I was unable to have anyone acknowledge that it had been received. Unfortunately, I then received notice that my loan had recast, my payment went from {$2400.00} to XXXX, XXXX causing me severe hardship once again. I do not have an attorney representing me for a modification. I have authorized a 3rd party, on my behalf, XXXX XXXX, HUD representative. And here we are. 

I have much more, however, I wasn't sure how much your system would take in. Thank you again for all your help. 

Please let me know what else you need. 
Thank you

Company response to consumer: Closed with explanation