Consumer complaint received 2017-04-30
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Chptr  XXXX  dismissed mid  XXXX    XXXX  , out of bankruptcy had others debts owed. A decrease of my income  XXXX  job loss. Applied for loan mod during that time  Ocwen den ied me to try at a later time. There is an increase in expenses and supporting my sons younger brother as their mother passed away. He had medical issues needed counseling, medications and my savings exhausted. I wor k 36 h ours per week.My name is the on ly one on the   mortgage. I pay most of the house expenses. My spouse has a pending work meeting and not guaranteed to be employed. I need assistance in my mortgage. Loan account #  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  CO  XXXX  End of  XXXX    XXXX   submitted  to Ocwen Loan ser vicing a modification package.  XXXX   XXXX   XXXX  my name the onl y   one  on the loan/deed. Accou nt Loan  #  XXXX . My spouse has been in contact with kynan fernandes relationship manager. Each phone call request different docs.   I contacted attorney as having issues with Ocwen. The I received a phone call  XXXX / XXXX /  XXXX   rec 'd call from  XXXX ,  XXXX , name  XXXX   XXXX  with ocwe n Loan se rvicing we had been approved for a loan modification and need to pay the attorneys fees in order to get the loan package out to us for signature. It was quoted to me via phone conversation with  XXXX   XXXX  an approval for a 30 year fixed rate for 3.75 % with a all payments in arrears added to end of loan. The monthly mortgage payment would be {$730.00} a month for the 30 year fixed rate.   I contacted the attorney, I had been in touch with he said take thr offer. I contacted  XXXX   XXXX   XXXX  stated  " Ocwen Loan servicng when calling me " I was given two name of attorneys to forward funds 1 ) {$850.00} to   XXXX   XXXX   XXXX   XXXX  receipt #  XXXX   XXXX  Fl, sent  XXXX / XXXX /  XXXX  , next funds sent to different person as  XXXX   XXXX  stated our case was with a different attorney now need to send {$730.00} to be sent to  XXXX   XXXX  receipt #  XXXX ,  XXXX  Fl both money transfer funds were picked up. Then the modificatio paperwork would be sendt out to  XXXX  to sign. I tried to contac t Ocwen. I was informed by Ocwen Loan servicing no one by those name   worked there and no money received from me. Now i have been served paperwork from attorneys pending funds foreclosure/ have less tha 30 days to respond.   I was scammed reported to federal trades comission and to date working again with an attorney to help me in the loan modification process. There has to be some resolve in this situation people work hard to keep their home circumstances happen in life that are no control of the homewowne rs. Ocwen is one of the worse companies an owner can work with. My husban d is trying to get a resolve on a fixed interest rate with a lower payment due to decrease in income and work hours. Can someone assist us. I have been in contact again with an attorney to try and help get the matter resolved.

Company response to consumer: Closed with explanation