Consumer complaint received 2015-04-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I contacted Ocwen to apply for a Making Homes Affordable program. The loss mitigation specialest was willing to help with my request to do a deed in leiu based on my hardship, I no longer wanted a property that I owed more than what it was worth and needed work I could n't afford. Based on my hardship we moved forward, She contacted me every few weeks to advise me and check for documents. All was moving forward well I was told that they accepted my application and that their lawyer would contact me and that an inspection of the property would be done prior to final approval. At this point things began to change and i was contacted by another individual from the bank that was pushing the matter by asking if I was contacted by anyone yet. Latter that evening on XXXX XXXX the lawyers office called to verify my mailing address and informed me of what happens next. She told me after the paperwork is returned they will schedule an inspection and I would be notified when to turn off the utilities. If the inspection comes back clean then the bank would tell them to file the paperwork and that I would have final approval. When I recieved the paperwork I had my lawyer look it over and it was good, It was signed and returned on the XXXX to meet the XXXX deadline they gave me. I then waited for an inspector to call to set an appointment and give him the keys. Communication had stopped and more than a week went by, I was in the dark waiting and not knowing. During this time I made sure the property was clean and any debri was removed, I even painted an unfinished room and replaced some lighting. After a few days away from the property I went to get my mail when a neighbor told me on the previuos Saturday ( XXXX XXXX ) they forced their way in to change the locks this was on XXXX XXXX. My keys still worked on all but the back door which they destroyed with pry bars removing the deadbolt. I called the bank that evening and talked to XXXX in the Deed in leiu department to complain about the damage and never being called.She told me the lawyer ordered the inspection twice but there was a problem with the title and she would email me the inspection report. I never recieved it. I called their lawyer the next day on XXXX XXXX to ask if the paperwork was filed or if there was a problem, she knew nothing and told me the bank orders the inspection and she would call me back in 2 days. In the meantime I complained to XXXX XXXX the inspection company and I got the police report of the forced entry. I told them of the damage and that i had they keys for the locks.They did n't follow through with the complaint. On XXXX XXXX I recieved a letter from Ocwen dated XXXX XXXX saying it normally takes 30 days but there was a problem with my account. I will receive a letter of approval or denial by then. On XXXX XXXX all locks were changed and notices that they controled the property were posted on the doors. I NEVER recieved that approval or denial in writing yet they took the property forcefully rather than how I was told. Once the paperwork was done it did n't matter if I was approved or denied or if they caused property damage. No one will return my calls or confirm. When I access their site no information is displayd other than the property is now REO. What happened to my paperwork?

Company response to consumer: Closed with explanation