Consumer complaint received 2018-12-15
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification in XX/XX/XXXX through the help of XXXX XXXX XXXX XXXX XXXX XXXX. I was granted the mod based on the trial period to start payments of {$1400.00} starting XX/XX/. I paid my payments of {$1400.00} XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as instructed.XX/XX/XXXX i was sent my " congratulations on your approved loan modification letter ''. As instructed a sent back the docs that were to be signed and notarized. This was done by myself one of the borrowers on the initial loan. As done in the past my documents ie., pay stubs, hardship letter, tax docs, application, etc. was the only docs and signatures submitted due to a divorce in XX/XX/XXXXwhich started all the mod processes. I was asked by Ocwen, the mortgage company prior to this mod to send in docs ie. divorce decree, quit claim deed , county clerk recordation, etc to substantiate my divorce and the fact that the other initial borrower ... my ex husband was no longer living in the residence or owner of the property or part of the process. Having done this in the past solidified his name never being required as a signator. As in a previous mod i followed suit and sent in the required docs that stated starting XX/XX/ i was to start my modified monthly payment of now {$1400.00} ( modified interest rate of 3.25 % and will be fixed for the remaining term of the mortgage account as follows {$1000.00} principal and interest, {$300.00} escrow, {$1400.00} total modified monthly payment, maturity date of XX/XX/XXXX ). I continued to make the previous trial agreement amount of {$1400.00} for the month of XX/XX/ and then per mod agreement amount of {$1400.00} for the month of XX/XX/. When trying to make the XX/XX/ payment, i was halted due to a " null and void '' account per the representative i spoke with. Per his notes it claimed my account was null and void due to the lack of my ex husbands signature. I explained to the agent that per previous mods and submission of all the docs pertaining to my divorce, quit claim deed, etc that Ocwen required from me and the county, that his signature was never required. I have in the past had problems/issues with Ocwen due to their unscrupulous and unethical practices of changing up terms and conditions and changing payment amounts hey claimed due to their error in the middle of my contracts again null and voiding my accounts even though i was making payments for which i have NEVER missed a payment in my paying history when having an " active '' account, all this always forcing me to apply for loan modifications where they always then went up in payment amount. This i feel was another ploy because they didnt like the payment amount to force me out of contract AGAIN and have to reapply for another loan modification only to go up in payment amount again or deny me which is consequently what happened. After months of fighting and trying to understand why my account would be closed due to a lack of signature that was never required before, i finally requested mediation. This mediation took place at my local courthouse on XX/XX/. Here i met with the mediator XXXX XXXX and the attorney for Ocwen XXXX XXXX. During this mediation it was confirmed that the account was null and voided due to the lack of signature from my ex husband supposedly due to some new rule where Ocwen no longer respects the documents that had previously requested of me. The attorney for Ocwen per questioning from the legal mediator stated that i simply needed to apply for another loan modification where this time my ex husband would be required to sign if was granted the mod. I explained that i had already sent per the law firms request of me another loan mod app already by certified mail on XX/XX/. As of our court date onXX/XX/XXXX, they claimed to had not received it. The attorney then took the copy of the loan modification application that thankfully had with me that i sent off in XX/XX/. The attorney stated firmly that the modification would be cleared due to the fact that it had already been granted and was initially accepted without my ex husbands signature and that he this time around would need to sign.This was stated both in front of me and the mediator due to the mediators question prompting the response. I stated that i wasnt sure if he would be comfortable in doing that but would try to reach out to him. I have then since been in compliance with all that Ocwen has requested of me ie. additional info, etc. Oddly enough when following up per phone calls to get status updates, etc. an agent asked me if my ex husband would be willing to sign. I stated he would. However i then receive a letter dated XX/XX/ stating that my modification was denied and that i would be facing foreclosure if i didnt apply for an appeal by 14 days of the letters date. Again oddly enough, despite the XX/XX/2018 date that the letter states, i didnt receive until XX/XX/XXXX which due to a death in my family i wasnt home and wasnt able to open letter until XX/XX/. I immediately called and was told to submit the appeal request by email which i did on XX/XX/. I am null and void of the understanding of how my loan mod request was approved initially and i did everything correctly to then unfairly due to " a new rule '' have my account inactivated. And then to have been told by Ocwens attorney during mediation to simply to reapply for another mod which would approved and just have ex husband to sign to being denied. How does this happen to good and decent people who just want to stay in their homes and give literally all of their money/paychecks to make this happen. I could see if this all happened because i was non compliant .... Unfair and unethical!!!

Company response to consumer: Closed with explanation