Consumer complaint received 2018-04-06
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is the third complaint to the CFPB on this death/assumption/modification closing. No one seems to be on the same page. They have sent all the same paper work requesting executorship for my daughters estate before they can talk to me? I have received two packages now of final paperwork which has already been signed notorized and returned to OCWEN. To date OCWEN has only retaliated for my complaint by changing the terms and transfering my deceased daughters loan which had been transferred to me, back into her estate? Legally you can not do this. The loan was transferred to XXXX who is now requesting {$8000.00} instead of {$12000.00} which Ocwen claims to have forgiven : Current Terms were : Unpaid Principal Balance : {$21000.00} Interest Rate : 10.375 % Remaining Term : 188 months? Loan maturity date : XX/XX/XXXX Proposed Terms are : Unpaid principal balance {$33000.00} Principal forgiveness : {$9000.00} Amortizing unpaid principle balance : {$24000.00} BALLOON PAYMENT : {$4200.00} INTEREST RATE : 3.875 % REMAINING TERM : 213? REMAINING AMORTIZATION TERM : 245? Modification Effective date : XX/XX/XXXX? Loan Maturity Date :  XX/XX/XXXX. I continually questioned the terms of the death/assumption/modification and finally received this unofficial non RESPA document. I was told that there was no BALLOON NOTE and all this information would change after the trial period? It was not changed but instead my daughters loan was transferred to cover up this disaster. In addition I was continually questioned as to where I got the document? So I gathered I was not supposed to know that I was being defrauded and taken advantage of. I was promised by the OMBUSMAN department that they would adjust the junk charges added to my loan previously appraisals, inspections, title search which was charged more than once etc. when this loan was paid off? No one addressed this and now OCWEN is saying this never happened? Why would I lie. Is it a technicality that transfer does not mean paid off? Ocwen is now requesting estate documents before they can talk to me? Documents that were provided last year in order for them to provide a mortgage assistance acceptance form and final notorized borrowers acknowledgement. The payments are current to XX/XX/XXXX and all payments were made as agreed per the contract we are into 7 payments and no one is paying attention. All documents have been provided after CONTINUALLY CONTACTING OCWEN and finding someone who explained that most people there do not know whats going on and he sent the final documents to me. The modification payments first started in XX/XX/XXXX. My personal information and paper work was sent to the wrong place. My personal information was sent to an attorney who was no longer my attorney. I did not want my information shared or breached with anyone. No one is addressing this issue? So there were mistakes and servicing errors from XX/XX/XXXX up until now. NO FINAL DOCUMENTS WERE SENT IN XX/XX/XXXX. The first modification payment was made in XX/XX/XXXX again when I FINALLY received the paperwork from that mixup and servicing error. The same servicing error has occurred again in the finalizing of the documents. The only thing I could do is continue making the payments which I did and will do until these errors or corrected. OCWEN needs to own up to these mistakes and make things right for their mistakes. Sure I finally got the documents to notorize and finalize this transaction. OCWEN can't just say I did not do this in XX/XX/XXXX because I could not, because I did not have the documents then, just as I did not have them in XX/XX/XXXX when they were sent to someone else. The final documents were not sent in XX/XX/XXXX as stated. Only to find that OCWEN is trying to say that the contract has not been finalized with everything that has gone wrong with this entire process because of the retaliation from the attempt to rob me and my deceased daughter with a pen. PLEASE, PLEASE HELP.

Company response to consumer: Closed with explanation