Consumer complaint received 2018-05-30
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased an home in XX/XX/XXXX. In XX/XX/XXXXI started having problems with my mortgage. Due to an financial hardship I had to file chapter XXXX. At this time the mortgage raised my payments claiming my insurance had went up to XXXX adding late fees and refused me for an modification. My Bankruptcy Attorney XXXX made several attempts to place calls on my behalf for an explanation on the extreme payment hike. My mortgage payment double to almost {$1600.00} a month. As the advise of Attorney XXXX that this was not something she could handle I needed to retain an attorney. I retain Attorney XXXX XXXX and he informed me that there were some issue with an deed to my property and misdated papers filed. XXXX XXXX was not familiar with bankruptcy laws and I had to retain and third lawyer who filed an XXXX that XXXX XXXX and XXXX were not the note holder but an servicing company. At this time I had been to court several times about late payment an payment increases. Once the motion was filed BY MY ATTORNEY Attorney XXXX XXXX of XXXX XXXX XXXX, XXXX Who represented XXXX XXXX XXXX  XXXX XXXX Trustee For XXXX XXXX XXXX XXXX 2007-2, Asset Backed Certificates, ( which doesn't exist at this time of act ) series 2007-2 never showed up to court and the Banrupcy Court dismissed the claim of XXXX  XXXX and XXXX. XXXX XXXX sent them a letter demanding a copy of the deed again. No response They did not notify me for apox 8 to 10 mpnths later.. and filed an forcloser notice. The sale of my home was to take place at the court house and Attorney XXXX advised me to attend an I was there from XXXX to XXXX An there was no sale of my home that day. The only home was sold was a property that Attorney XXXX was auction. On a friday evening I haad a gentleman show up at my home at XXXX XXXX an inform me my house was sold and XXXX can help me move. XXXX XXXX seemed in the beginng to work very hard for me. But the bankrupcy put an cap on what he could charge me and it seemed to tell me i couldnt afford the trial that i needed to work out an deal with the company. I was very hestiate about this but over the years I had empty my retirement fund and savings trying to pay attorneys and mortgage payments to hold on to my home. I even asked about the missing deed and the trust for XXXX  XXXX was clossed in XX/XX/XXXX and the signed transfer of deed years later in XX/XX/XXXX.I even ask that as long as I was in bankrupcy they stop responding accepting payments and answering any calls. The bankrupcy trustee held on thinking I was going to win money from the suit stayed invoved. In XX/XX/XXXX we came up with an agreement to set aside forecloser and readmit loan. What we agrred apon and it started all over again rasing fees, charging me un explain fees. In XX/XX/XXXX I spoke with them about fees and a supervisor said this is not an an attempted to collect an dept. An i ask to explain he didnt I also asked why was the agreement file on record of deeds. An my name on the taxes. and They stop accepting my payents locked me out my account and havent return my call when set up appointments. I have not been served or via mail to vacaant my home but my house is on the florcloser list. 
I really need your help i am a single XXXX XXXX  XXXX mother who have exhaust all resources and funds. I need someone of your expertise to look over the documents of my case> I feel the the XXXX profiled me. I feel the reason the let so much time lasp is to not focus on the deed and the XXXX XXXX. 
After reviewing the documents from Ocwen it clearly still does not answer any of my questions, what he said is true I did file a Chapter XXXX in XX/XX/XXXX. My complaint is, is Ocwen legally responsible for collecting a debt for XXXX XXXX XXXX XXXX trustee back 2007-2? Due to the fact that in XX/XX/XXXXwhile in bankruptcy I filed a motion to request such a document from Ocwen to file correct documents of ownership and authorization from the trustee and did not respond nor show up to court. I did that for XXXX XXXX XXXX and Ocwen. ( See attachments below ) Also Ocwen did not correspond with me for two years until they filled a foreclosure with a foreclosure deed in XX/XX/XXXX. I  see in his documents he showed transfer from XXXX XXXX   to Ocwen doesnt make sense to me since Ocwen reported on my credit report that the mortgage was transferred in XX/XX/XXXX but Ocwen went back in on my credit when I filled a chapter XXXX in XX/XX/XXXX after they put the {$150000.00} foreclosure debt on my credit report. Ocwen put the {$150000.00} debt under homeward residential in my chapter XXXX.after the loan had been transferred from them to another lender in XX/XX/XXXX, how could you legally do that. You will see in document that I sent the response from my attorney XXXX XXXX, It seems that every time I am in federal court or civil court they either dont show, wait a period of two years and before filing a motion it gives them a opportunity to falsify the documents. The reason it took them two years to file the foreclosure is because the trustees of bankruptcy was holding on to my case until they they assumed that there would be no money and benefits once they dismissed is when they filed their foreclosure. Through this process in bankruptcy the attorneys supposedly for XXXX XXXX, XXXX XXXX trustee back 2007-2 were the attorneys the entire time and still are. This could have been resolved in XX/XX/XXXX when we requested for such documents and attorneys did not file nor show. Also in his response he stated that there was no request on my behalf about my account, thats all lie! Also at this time there is there is no mortgage company on my credit report and I have been paying ever month since XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX I called to ask questions about my tax statement and why my name was not on those taxes or on the home and the substantial of {$6000.00} that was on the statement they could not answer and said this is not an attempt to collect a debt. So these are the following reasons why I feel that the assignments on my house are fraudulent and due to the fact that Ocwen has already been to court on such thing like filing false documents from XXXX  XXXX XXXX XXXX trustee.

Company response to consumer: Closed with explanation