Consumer complaint received 2018-09-13
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since early XX/XX/XXXX, the Save our Home AZ program ( part of HAMP ) was assisting me with paying my mortgage payment to Ocwen. I received a payment history two days ago. I reviewed it and Ocwen has been charging so many fees during the last three years. They even charged me for five property inspections ( drive by appraisals ) in less than four weeks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX @ {$20.00} each inspection. 

They charged late fees for every month of {$53.00}. On XX/XX/XXXX, even though payments were being made every month, they ran a title search and charged it to me in the amount of {$870.00}. The had ignored the fact that the other person on this mortgage had declared bankruptcy 3 years ago, yet they kept him on the mortgage and continued to harass him. He had filed a quit claim deed which I had told them about at the time. On XX/XX/XXXX, even though payments were being made every month by the Save our home AZ program and myself, they filed for a Trustee fee of {$810.00}, another property inspection fee of XXXX, a notice of sale of {$30.00} and another property inspection fee of {$20.00} and charged this all to me. As I stated, this was while payments were made regularly for months. During every month while payments were being made, they continued to charge {$20.00} property inspection fees starting with XX/XX/XXXX, all payments were made every month until XX/XX/XXXX, but they continued to charge late charges, property inspection fees ( XX/XX/XXXX and XX/XX/XXXX two inspection fees ), title search, trustees sale, Statutory mailing fee, they have even charged for what appears to be a full appraisal fee in XXXX, however no one has come on the property for which I am aware. 

Three weeks ago, I discovered that Ocwen had reported to all credit bureaus that I had declared bankruptcy. This is not true. I contacted them and insisted they correct this information with all three credit bureaus. They then reported to the credit bureaus that I had declared foreclosure. This is also untrue. I tried to get them to delay the foreclosure for next week XX/XX/XXXX so I could get my credit reports straightened out and get a loan modification but they will not. As soon as the Save our Home AZ stopped assisting me with the payments, Ocwen filed for a foreclosure. I called them in XXXX to find out what the payment would be and they told me it would be XXXX. They wanted the six months of delinquent payments from two years ago. When we signed on with the Save our Home AZ, there were two options. You could elect to bring the mortgage current and get one additional year of assistance or you could elect to not bring the mortgage current and get two years of assistance. Someone at closing suggested we may want to choose the two years of assistance. Not knowing much about it, we selected the two years of assistance. I asked someone at closing, would the mortgage company do something about the six months of delinquency and she said she didn't have any information. I know now that I should have been better informed. I have lived in my home for 20 years. I bought it brand new. Also, I'm fighting a critical illness, was hospitalized in XXXX and XXXX. I'm just now able to walk around and be out of bed for any length of time. My husband is XXXX with a complicated XXXX XXXX. This is a real hardship for us. Our original mortgage was not with Ocwen but when these loans are transferred, you have no choice. I hope you can help us, but I'm probably going to have to file bankruptcy now just to get a little more time and will still have to go through foreclosure. Thank you.

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