Consumer complaint received 2016-02-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XXXX of XXXX ( we have lived here since XXXX but refi the loan and had it put in our names inXX/XX/XXXX ) My husband lost his job due to illness. was fired after 5 yrs, because he was out sick and could not produce a note from his doctor that he was 100 % better to return to work his boss also thought he was to heavy to continue to do his job. he tried to get unemployment but was denied, so I had to try and restructure our financial situation for just XXXX income. I was having a hard time. by XXXX of XXXX my husband XXXX started XXXX and the future looked better but in the meantime I was only paying what I could to get caught up. In XXXX I paid for XXXX mortgage in XXXX I paid for part of XXXX..still falling behind I thought it would get better it didnt by XXXX XXXX XXXX was having XXXX and his health at XXXX was deteriorating.He went in to see the doctor the end of XXXX and they admitted him. He was in the hospital XXXX. Hospital bills were huge I had to take care of the home bills keeping lights on water cars with gas and food let alone his prescriptions still couldnt pay the mortgage. Every time I called to talk to Ocwen I got a different person, having to explain everything over and over everyone asked me to do a modification. I did and turned in XXXX pages of documents when I finally heard from them about 30 days later they told me some papers were missing to resubmit another package. Now we are in the end of XXXX and a nod is recorded and sent to our home. I called Ocwen again and they said to just go ahead and finish the package and send it back. I did and then I find out 8 days after I submitted the second package that the investors of our loan do not do modifications. Now they knew this from the begining but failed to tell us and had us do a whole other package only to reject it once again. Did they try to see if we qualified for other modifications? No they said they only did the " In house modification '' I asked about a pre payment plan they said I had to come up with XXXX in 3 days or I could not do it.I asked them why the deed of trust that came to our home was in my mother in laws name when we clearly had the deed recorded in our name. they said it didnt matter. I think it does I have yet to see the deed that we recorded to have the house put in our name in XXXX of XXXX. Now dont get me wrong but isnt it illegal to sell a piece of property under the wrong name? My mother in law has been dead since XX/XX/XXXX.I called and asked Ocwen if they had the " note '' associated with the deed of trust and they said they did I still have yet to see either the deed in the correct name or a promissary note. Please, theforeclosure sale of our home is XXXX XXXX, XXXX I feel they are rushing it cause we have XXXX in equity. Ocwen has not been helpful, has demanded money for a prepayment plan.Has not produced the right documents and has played with us regarding the modifications. If you can help my family please let me know.Thank you and XXXX bless

Company response to consumer: Closed with explanation