Consumer complaint received 2015-08-27
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XX/XX/XXXX, I started applying for modifications due to the fact that I lost employment. My mortgage company was IndyMac Bank d/b/a XXXX. There were several programs that were being developed due to the economy. I had completed several modification trial periods with the XXXX XXXX. After every trial period, the bank would literally send me correspondence stating the house was in foreclosure with a sale date. I would contact XXXX to figure out what was going on. They had me to do the modification process over and over again. Finally, my house was foreclosed on in XX/XX/XXXX. I had been contacting XXXX and XXXX regarding my loan for a good while and XXXX has an extensive phone log on me. I was put out of my house in XX/XX/XXXX by the XXXX. Before then I had contacted the Bank and they stated to me that there was no sale date on my account. These phone calls were made in XX/XX/XXXX and XX/XX/XXXX. I received the paperwork from the courts in XX/XX/XXXX. After being put out of the house, I started receiving paperwork from Ocwen Bank regarding a modification on the house. I contacted them and explained to them that the house was no longer in my name, It had foreclosed and I had gotten put out. They explained to me that they received this loan from XXXX XXXX and the house did not foreclose. I told them that I had not lived at the property in over a year. The paperwork kept coming regarding the loan. I contacted XXXX in XX/XX/XXXX. I spoke with a supervisor and she explained to me that the foreclosure was rescinded. She stated that XXXX XXXX contacted them and stated that they needed to investigate the situation because something was wrong. I was never informed about them rescinding the foreclosure. She apologized to me and stated that " we '' messed up and that the house was still my property and I could move back in if I wanted to. XXXX stated that I was in bankruptcy when they foreclosed so they had to rescind the foreclosure. If that is the case, they foreclosed on my property in XX/XX/XXXX not XX/XX/XXXX. The paperwork that was filed with the courts is fraudulent. They have since changed mortgage company again. It went from XXXX XXXX to Ocwen Bank now to XXXX XXXX. XXXX has since contacted me regarding a modification but the house is back into foreclosure again. Due to the fact that I was not in the property for a year. Ocwen Bank and XXXX XXXX has both stated that they did not know anything about the foreclosure. I do believe that XXXX has lured me back into the property to foreclose on me again. Once I moved back in the property, everything was taken out of the property. All the appliances were gone. I contacted XXXX and Ocwen Bank. They both were blaming each other but neither of them would replace the appliances. But they both are coming after me regarding payments and bringing the loan current. Now, XXXX is harassing me for all the past due regarding this property and the property is now in foreclosure status. Something has to be done regarding all this illegal transactions being done.

Company response to consumer: Closed with explanation