Consumer complaint received 2015-08-11
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello XXXX XXXX and staff, My name is XXXX XXXX formerly known as XXXX XXXX. 
The reason that I 'm contacting your office is due to the mortgage that I had with Litton Loan ( Loan # XXXX ) and currently have with Ocwen Mortgage LLC. loan # XXXX. I purchased my house XX/XX/XXXX for {$110.00}, I made a down payment in the amount of {$9000.00} leaving a balance to be finance in the amount of {$100000.00}. 
I received a letter from Ocwen indicating they are taking ownership of the loan from Litton Loan balance in the amount of {$160000.00}. I addressed the issue every since XX/XX/XXXX. I have never taken a loan out against my home since I have lived in it. I 'm currently behind in my mortgage due to medical issues. 
Ocwen sent me an invoice indicating that I had a {$45000.00} forbearance. I requested over XXXX times ( no exaggeration ) requesting documentation to why a {$45000.00} forbearance would have been necessary to date it has not been provided to me. I have only received a receipt of my request and it is in the research department and they will contact me upon a time when a resolution has been made, an additional letter is sent indicating it will take longer than expected more time is required. 
Ocwen states that when the loan was retrieved from Litton Loan it was at XXXX When I call Ocwen or someone call me they will say the loan amount at the time of receipt of my loan was {$160000.00}. I am not sure how this happened and no one seems to be able to provide any documents with this amount on it. Ocwen requested the original copy of the mortgage contract and still nothing has been done to resolve this issue. 

I have been in my house for over 20 years and I have never been {$45000.00} behind where I required a forbearance. I have been contacting Litton loan and Ocwen for the past 15 years regarding this issue to no availIn addition to Litton having the loan my ex-husband obtained a loan solely, XXXX XXXX was ordered by the Judge to pay it back in the divorce decree. However ; XXXX was the originator of the loan, XXXX Bank was purchased by XXXX XXXX this loan was foreclosed on and it was brought to my attention that XXXX purchased the property for {$28000.00}. 

I 'm unaware of how Litton loan was able to sell the loan to Ocwen when the Mortgage was purchased by XXXX for {$28000.00}. As well as how the {$28000.00} was applied to my mortgage when the payoff of the loan was to be conducted solely by XXXX XXXX it is ordered in the divorce decree, a copy of all of this information has been provided to Ocwen and I have no information to date. 

Ocwen also was charging late fees, and other fees during my modification. Ocwen is by far one of the worst companies ever thecharges are exaggerated added without explanation. I have a charge on my invoice for {$25000.00} next to it is miscellaneous. How can you charge that amount of money without explanation for every dollar and dime, and address it as miscellaneous ( still no answer ) because it is bogus. 
The other XXXX plus dollars indicate fees and late charges and more bogus charges. 
I 'm not sure if this is the correct department if this is n't the correct department to submit this letter, will you please make sure the proper department and people receive this information. Please help me with this matter. I want the money that was added to my mortgage. I would like toreceive my money backXXXX XXXX, XXXX ( CFPB ) Hi. I am out of the office from XXXX XXXX and not regularly checking email. If you

Company response to consumer: Closed with explanation