Consumer complaint received 2016-02-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good morning, I really need your help! I did a Loan Modification three years ago, in XXXX XXXX, with Homeward Residential after going through years of hardship due to my loss of income ( real estate ), my husband had XXXX at the same time and I was his caregiver for several years. Within 30 days of signing the loan modification paperwork with Homeward Residential, this loan was acquired by OCWEN. OCWEN informed me via regular mail that they had acquired my loan from Homeward Residential. I phoned Homeward Residential and they would not speak to me about this matter, only said the loan was acquired but could not confirm with whom. I then began calling OCWEN since the mortgage statements they were sending me were not reflective of the Loan Modification I had just signed with Homeward Residential. Ocwen reps kept apologizing to me, telling me that it could take months for the loan mod paperwork to be transferred from one lender to another. Also, I was told a different story by their reps each time I phoned Ocwen. I am a XXXX and I took notes of every phone call. Finally, after many months, I asked Ocwen if they wanted my executed copy of the Loan Modification with Homeward Residential. They said yes and I did sent it to them. I believe this is their only copy. Since then, I have been trying to resolve this matter. Telephone calls between me and their Relationship Mgrs took place every 2 weeks for 3 YEARS where I was told numerous stories by their reps in XXXX. ( Again, I took notes on each call ) At some point I was told since they never got the proper paperwork from previous lender that I needed to start a new loan mod application with OCWEN. I did so. Twice, in fact, over the past 2 years. The first time the application sat in the wrong dept ( short sale dept ) and then it floated over to the Bankruptcy Dept. This went on for 8 months or so. I kept telling them that the original loan modification with Homeward Residential took only 30 days for approval and I asked numerous times what was the problem causing the delay. No rep could explain why. During this time the documents became outdated and I would have to sent in numerous updated documents, and I complied with their requests each time. And I have copies of all. Finally, I was told to start a second application for a Loan Modification with Ocwen. This was painfully slow again, and with documents becoming outdated again, and I would have to resend in numerous documents to keep the application process updated. And I was speaking to Relationship Mgrs in XXXX every 2 weeks. It was also a year ago that I was advised by another lender that Ocwen had to honor the original Loan modification that I had with Homeward Residential. ( which Ocwen had acquired ) Since that time, I have been asking Ocwen to honor the original loan modification dated and signed in XXXX XXXX. On XXXX XXXX, XXXX, I contacted Ocwen 's Ombudmans Office and told XXXX XXXX XXXX my story. I also mentioned to XXXX that the loan I had with Homeward Residential in XXXX XXXX was never recorded properly. I had learned that the title company had recorded it in error on another home I owned. That home was sold and the mortgage was dismissed in XXXX. The Loan Mod that I had was from this mortgage note that I was unable to make during the mortgage crisis that took place in XXXX. ( As a XXXX of {$1.00} XXXX on the XXXX contracts I lost for new homes to be built in XXXX XXXX, Florida ). XXXX XXXX said he would do his research on this matter to see if even a mortgage existed. Last night, I received a SUMMONS from Clerk of the Court in XXXX XXXX Florida with intentions of foreclosing on my home! I have 3 years of documents & notes so will be hard to send these as they are not scanned into my computer. But I could copy & send via XXXX. Please advise me!

Company response to consumer: Closed with explanation