Consumer complaint received 2017-07-29
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as everytime i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX like whose the holder of my mortgage notes.
i have emails and documentations of all my dealings with Ocwen and will be happy to send it should you need all the details. it is quite long as alot of time has lapsed. i am prepared to send it should you need more info. Its unfair that these companies are allowed to get away with all this and its my hard earned work that i own my places.

Company response to consumer: Closed with explanation