Consumer complaint received 2016-09-07
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been fighting violations by Ocwen Loan Servicing ( formerly American Home Mortgage ) for 10 years. In XX/XX/XXXX I was solicited by a " so-called '' broker ( former landscaper ) who, without my understanding the consequences sold me a negative amortizing loan. I tried refinancing again but it was impossible due to the housing crash. 
I have not been foreclosed upon. In XX/XX/XXXX I filed a complaint against American Home Mortgage and XXXX in Maryland for fraudulent practices. While the judge ruled against me in favor of MERS, during negotiations American Home Mortgage agreed to relinquish their interest in my loan stating that American Home Mortgage " is not a functioning company, '' has " no successors in interest '' and " is permanently out of business. " ***please see attached. We were planning an appeal at the same time that my lawyer died of natural causes. I did not hear anything from the lender for some time and did n't know what to do as I had stopped making payments during litigation. Subsequently, Ocwen bought American Home Mortgage 's shares and I started receiving dunning letters, harassing phone calls and again sought legal representation, filing suit against Ocwen. I applied for a loan modification and Ocwen responded by giving me a billing statement for a modification ( no details included ) which was an amount I could afford. The first checks I mailed to them were cashed. Then, Ocwen started mailing back the uncashed checks stating that I owed them thousands more. My attorney advised me to keep mailing in the checks as originally stated. I have done that every month since up until today. 
In XXXX XXXX Ocwen issued me a Notice of Intent to Foreclose. It did not list the named of the secured party, but only mentioned XXXX. They claimed a year earlier that XXXX XXXX XXXX XXXX owns and holds my note when the entity went bankrupt in XX/XX/XXXX and that in XX/XX/XXXX, with no assignment involved, XXXX XXXX XXXX XXXX and alternately American Home Mortgage Assets owns it. In fact, in response to my Qualified Written Request letter to Ocwen, the cover letter provided a telephone number for XXXX which when I called it, brought about a U.S. bank agent. I do not have reason to believe that Ocwen has the original note. 
Some months back an Ocwen attorney asked my counsel if I would be interested in applying for another loan modification. Although wary, to show good faith, I applied again. Last month, my case was dismissed without hearing in favor of Ocwen. Although my modification was received by Ocwen on XXXX XXXX, to date I have heard nothing. 
Ocwen also refuses to allow me access to my own online portal account citing that it is " flagged. '' They continue to mail back my uncashed checks to my attorney. In the meantime, my {$580000.00} loan has escalated to {$820000.00} This seeminglly endless decade-long ordeal has cost me my health and even stolen attention from my child and my work. All I ever wanted was a reasonable modification to fix a predatory loan solicited by an unscrupulous broker in XX/XX/XXXX.

Company response to consumer: Closed