Consumer complaint received 2017-06-26
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning. During the last year I was experiencing financial hardship due to a divorce. I reached out to my loan service Ocwen, about the possibility of an in house loan modification. Ocwen had helped me once in the past with a modification when I lost my job. They advised me that they would be happy to help me again in any way they could and sent me a loan modification package, which i promptly filled out and sent back to them. In the meantime, they advised me not to make any payments, as they would not accept any amount less than the sum of my past due payments, and that when my modification was complete, that i would be " back on track ''. I had no reason not to trust in them, as I mentioned earlier they had done this for me in the past, so I took what they told me to heart and simply waited for someone to contact me about the final terms of my modification. Meanwhile, unbeknownst to me, Ocwen was in full force foreclosure of my property. During my previous modification, I was advised by an Ocwen representative that I may still receive delinquency notices, but to simply " disregard '', as they are automatically generated, and that everything would be alright, I trusted them then, and it all came together as they promised. However, NOT this time. Instead of receiving a modification package from Ocwen, i receive a letter from the local Sheriff stating that they would be here to " seize my home '', the same home that has been in my family for almost 50 years. I was absolutely FLOORED to find that Ocwen had not only initiated foreclosure, but also completed it, so they say, conveniently " bought my house '' at sale, and was having me evicted with NO CORRESPONDENCE WHATSOEVER informing me of the situation at hand. I collected myself as best I could, sought legal counsel, contacted Ocwen, to no avail, wrote the Circuit Judge a letter asking for a stay in my case until I could try to strike some sort of agreement with Ocwen, and ever since I have been tossed from one desk to the next at Ocwen, like they are playing some kind of sick game, and always seem to land right back at their customer service center.. '' helping homeowners is what we do '' they boast ... On Friday XX/XX/XXXX, 2017, I received a telephone call from a man stating he was a relationship manager from Ocwen. His name Is XXXX, employee id # XXXX. XXXX advised me that he was contacting me to finish my modification, and that I needed to contact THEIR attorney at once, requesting a stay on my writ of posession, whilst he worked on said modification. I was suspicious at this statement, as I immediately thought that THEY should be the party contacting their attorney, NOT me?? I expressed my concern to XXXX, and was promptly halted, and instructed to do as he said, that he had a lot of work to do in order to complete this modification and not a lot of time in order to do so, and if they were to give me any rebuttal, to call him on his " direct line '' at XXXX and he would handle it. I reluctantly obliged and was promptly halted by his attorney. In the days since, I have been unsuccessful in reaching XXXX or Ocwens attorney, and now am back to playing a game of musical desks with ocwen to no avail.. On the bright side, I have yet to be ejected from my home, as the local court is graciously giving me time to exhaust every possible resource, however, my time is limited ... PLEASE HELP ME .... This is taking a toll on my nerves ... This home belonged to my Great Grandmother and  I would like to keep it and pass it along to my only son ... PLEASE HELP

Company response to consumer: Closed with explanation