Consumer complaint received 2017-04-24
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it  may Con cern, I was a resident of  XXXX  Va. and My mother was a resident of  XXXX  Ga. My grandmother brought a home in  XXXX  Ga with her and my mom. My grandmother passed away and I started traveling back and forth from  XXXX  to Georgia a  6 hour drive  both way to care for my mom after my daughter and her family left and relocated back to New York. By   XX/XX/XXXX   I became ill and hospitalized at the time I owned a business but due to my illness it became impossible to keep it opened~ I struggled to pay bills in both places and was paying  Ocwen 2  -3 m onths payments at  one  time to catch up if payments were behin d, By  XX/XX/XXXX  I ha d several   XXXX   my mom had to be placed in  a    XXXX   XXXX   and I had to apply for  XXXX , The house went into foreclosure after I miss ed  XX/XX/XXXX   XX/XX/XXXX  and the  XX/XX/XXXX    XXXX  gave me an advance payment but I was short of {$600.00} and  Ocwen would not  accept a partial payment so I went to a housing help center and was assigned to   XXXX   XXXX    from  the   XXXX   XXXX   XXXX   XXXX   who started the process and paper work on the assumption and modification process, and assured me as soon as they finish the modification there is a program that they were going to get me approved for it is a program that helps pay the mortgage monthly for a few years. I did an assumption first and that is when the problem begins, The Owner which was my grandmother left a last will and testament which states the property is to be will out to My youngest Son who suffers from  XXXX , She was very closed to him, I believe this was her way of making sure that no one could sell the property so that her daughter my mom and my Son who has  XXXX  would be okay because the area was a good place to be safe for them both~ So when I did the first assumption it was in my name and  XXXX   name  I was not an expert at this at all, after I sent the assumption package they then immediately started on the modification first with my grandmother whom they got confused with my mom I think? Then when we got that situation straighten out we re-did the modification under My income and  XXXX  income and my grandson  XXXX  's income Now that the Modification is all done and straighten out which took close to a year? is that normal? They are now requesting another assumption? well this has been going on sinc e  XX/XX/XXXX ,   My mother was gravely ill and her only wish was to come back home and be with her family before she past but I was hesitant by the possibility of a foreclosure So I asked her to hang on we were almost done but it took far longer then I would have ever anticipated and she never got her chance to come back home she passed away   XX/XX/XXXX  a t  XXXX   XXXX   XXXX  Now I was at the courthouse trying to  speed up t he process of probating the will which was being held up until my mother could be cleared mentally able to either accept or contest the will? which is  just county  procedure But once I told them my Mother was now deceased I now need to re-file the request in which there now is no living heir to contest or accept which now makes it less complicated Okay Now to the punch-line I am not saying that    Ocwen is a bad c ompany at all they helped my family and they seem to have been working very hard to help me, But the Assumption Dept. has failed to send me another assumption package? which was requested by my  Case manager   XXXX   XXXX  a very nice lady and many other representatives and this has been going on for months? it ca n't be that hard to forward a package from the assumption dept. then they took my foreclosure status off of hold????? when I asked why they are telling me because I did n't send in the assumption package???? How can I send in a package that I have yet to receive? I have informed them that I have n't received the package they even requested that it be sent via email nothin yet I do n't like the feeling that they  may be h olding this assumption package to deliberately cause me to foreclose on this property,  XXXX   XXXX  has not contacted me and that alone is very unusual for her, she is very accurate and detailed at what she does. And seems to be a very honest person so if she knew they were not doing the right thing by at the assumption dept. level it would seem she would avoid speaking with me at least I would think so because she is so trust worthy and honest I would assume that would be hard for her to do I can tell by her demeanor~ Ocwen  offered m e {$10.00} to relocate a few months ago I did n't take the offer because I was n't sure I could make a decision like that since I am not the heir of this estate, I felt it is not my will to do so My grandmother left this property in trust for  XXXX  and he will turns  XXXX  in 5 years Then the property can be put into a trust for  XXXX   I contacted home s for habitat and told them my situation before my mom died and they are willing to come and help renovate the house which is in pretty bad shape from poor maintenance and since my stay here I see that it must have been a task for my daughter with her hands full, But there is a 25x45 foot pool that is inoperable condition and it is  12 fe et deep and I do not swim smh~ There is electrical problems in and outside of the house the problem from the leak in the pool has started cracking the concrete surrounded by the pool~ there is water damaging inside the kitchen ceiling and familyroom a new fence is needed Code enforcement has came for numerous issues, it was unbelievable when I got here So to the point I had to sell my property just to get this property in order I put a new roof on this house they nailed table mats in the attic where it was leaking? This house which was  built in  XX/XX/XXXX  is old and I had to r eplace electrical appliances and sockets and the back side of the house has no working sockets so I had to run extension cords  SMH~ I h ad to redo the kitchen floors but it is still somewhat uneven with a sort of a slop if that makes sense? then only to be told recently that the property needs excavating and with the unsuccessful work I paid for on the pool which now needs electrical work and it has to be re-cemented? it is an in ground Granite pool so much money spent already and I have all my receipts Thank Goodness I had to have the porch done over, panels replaced, grass done, trees done and carpet replaced in formal living room, and now if habitat of humanity helps they will replace the windows, close and seal the pool and fix the electric issues now as for the excavating? I am not sure because that was n't an issue in the original request for assistance the wood floor in the family room I had done over and there is mold in the basement all around the lower area near the floor and the outside lights does n't work The toilet in the middle bathroom needs repair though they came out already I have a home warranty but the tub in the master needs to be replaced and they do n't cover that and the door entries are swollen and need to be replace they keep getting stuck when you close them it is th e three d oors on the nd level, the cooling units went out while here and I had to have them replaced and the chimney is collapsing which I was told the insurance company should come out to replace but I was waiting for the modification because of the foreclosure, they say the insurance people will give me a hard way to go if I make a claim now?? The stair railing needs to be put in there is none? and the attic is a whole other situation So I figured if I can get the help to renovate the property get the loan modification which will be coming directly out of  XXXX  account into  Ocwen 's a ccount and I can handle the utilities and now I have the insurance in my name and I am going to find a PMI insurance so that if anything happens to me the house will be paid off So  XXXX  will not have to go through this ever again and I understand the past situation seems like a failed attempt on this loan but you must understand there was no t one but two elderly people here and they did the best they could Now I do agree on one thing and t hat Is that This community is very nice and safe for  XXXX  and they all know him and look out for him, I would really prefer that he stays here~ Just in case something happens to me '' I am sure he will be just fine right here even if he has to be on his own. We are on a fixed income but once I turn  XXXX  I will get double my income and my retirement and my widows benefits and if anything happens to me  XXXX  is well off as the beneficiary I am not sure what is going on but I have sacrificed way to much Spent a fortune on property that was n't my own trying to save my Sons estate  if Ocwen did  not want to honor the Last will and testament they could have been honest about it but to lead me on for over a year and not even giving me time to seek housing after selling my own property trying to fix there 's up only to be taken away and sold behind my back is being deliberately cruel and inhumane And I just do n't see them as that way I think many complaint s may just come  from people not understanding the procedures or not inquiring because my interaction with them seems to have been pleasant I just need for them to put the foreclosure back on hold as it should rightfully be and send me the assumption package as per requested months ago By my cas e Manager and othe r representative s Ocwen is not a re gular mortgage Company but they seem to be very kind and they seem to do well I have had to deal with worst, So no huge company goes without a complaint because you just cant please everyone that is understandable but this assumption situation has drawn some concern with me th at it may be some form of predatory practices and I hope this is truly not the case because I really  think highly o f Ocwen and   everyone I tell that too says I 'm crazy But they have already experienced foreclosure while I am still holding on So I guess that is my opinion. As they say  one bad Apple does n't spoil the bunch as for one bad situation~ Ocwen d eals with millions of cases like this they get al these difficult situations if anything they should get good recognition for the hundreds of loans that they saved not the few that they did n't. It only takes  one worker t o fail to do they 're job they were hired to do to cause someone to lose they 're home and it is not the whole company just the wrong staff member and another thing never leave young adults to do a job they are clearly not prepared for SMH~ So Please Help in this situation maybe if you contact the people in that dept. this will be all resolved Because why would they withhold documents needed for me to fill out and return and then hold me accountable? and putting my foreclosure status back on active when it was on hold? That does not sound like  Ocwen so s omething is very wrong. I have sunk all that I have every dime including my savings to try and repair and fix this home up for my Son I have been ready to pay mortgage over 7 months now and I even offered to pay the taxes this year if they had n't done so YET '' So I am trying here please help if you can if you can Thank you and Be Blessed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation