Consumer complaint received 2016-08-11
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company filed foreclosure on me in XXXX, XXXX. We entered a court ordered settlement hearing XXXX, XXXX. They did not have any docs on their end. I appeared at the hearing without an attorney. They knew I did NOT have one at that time. A continuance was filed. 
XX/XX/XXXX, I received a package from the mortgage company saying I qualified for a modification. I returned their expedited affidavit and made the XX/XX/XXXX and XX/XX/XXXX payments. The court ordered settlement hearing that was moved to XX/XX/XXXX was again continued, due to our working things out. I showed up in court alone again, with NO ATTORNEY. I made the XX/XX/XXXX payment thereafter. I have also made a payment of the same amount in XX/XX/XXXX and XX/XX/XXXX as well. That is 5 total payments. 
By XXXX, I had not received any correspondence from the mortgage company so I went to the website. I discovered they had deactivated my account! I had to reactivate it using a new username. Once I did this, I was able to see that they had changed the statement mailing address to the Legal Clinic I had used three years ago. I promptly changed their address off my account, and replaced it with my own. I also wrote the mortgage co. a letter explaining I no longer use them and they had no right to put them on my account or send documents to them. I told them on the phone when I spoke to their agent in XXXX XXXX that I was NOT using an attorney. The mortgage co. has written letters telling them from the attorney telling them the same, as of XX/XX/XXXX, the Legal Clinic no longer represents me. They have also been called in XX/XX/XXXX by the attorney who told them he no longer represents me. I also told them as we met in the court in XXXX XXXX the I have no attorney, yet they insist on adding them on their own whim. They also have multiple legal docs. from me showing my legal name change from marriage since XXXX, XXXX, and they still refuse to acknowledge that as well, so this is their habit, to choose which documents they use. 
In XX/XX/XXXX, I still did not get any correspondence back from them. I logged back into the online system to see they put the Legal Clinic, plus added the lawyer 's name this time, back on my account. I took them back off again, and put me back on. I also sent them an email telling them they are doing this in error, and to look at the signed receipt mail I sent to them in XX/XX/XXXX. As of today, I still have no mail from them. 
At this point in XX/XX/XXXX, I called the Legal Clinic I had used in the past, to see if they actually received anything on my behalf. At that time, they had NOT. So, all this time I made payments for 4 months, and get nothing, and neither did the Legal Clinic, who I was not even using. They would have let me know if anything weird like that happened, since I was a previous client. 
I am providing statements from XX/XX/XXXX through XXXX, XXXX so you can see the mortgage co. had been sending me statements. I was offered a loan mod in XXXX, XXXX, which is the last month a statement was mailed to me ( the correct address ). XX/XX/XXXX through XX/XX/XXXX have all gone to the Legal Clinic, and they added an attorney name in XX/XX/XXXX as an authorized person on my loan ( he is NOT ). You may also notice inconsistent dates as well. I include the attorney release letter from XX/XX/XXXX, my letter and postal signed receipt from XXXX, XXXX, and court appearance records showing I showed up alone with NO ATTORNEY. 
This mortgage co sent my personal business to people who are not involved and totally ignored me, the person who they need to do business with. They totally ignored all previous communications I have had with them regarding my legal name and property valuation. I made the XX/XX/XXXX payment towards escrow, since that was the only way I was allowed to make any form of payment to them for the trial period amount.

Company response to consumer: Closed with explanation