Consumer complaint received 2015-06-15
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello!  In XX/XX/XXXX, I applied for a loan modification at the encouragement of Ocwen to assist with lowering my mortgage payment.  I was told I would have to do a trial period from XX/XX/XXXX to XX/XX/XXXX, which I completed successfully.  After this, I was told I would received permanent loan modification.  It took 3 months for Ocwen to send me the new terms and conditions of the loan, which had to be notarized.  I completed the paperwork and sent it back.  2 months later (in XX/XX/XXXX), I received a phone call indicating that the paperwork was rejected due to the co-borrower not signing (my ex husband).  I was very upset by this because my ex husband and I have been divorced XX/XX/XXXX.  He signed a quit claim deed back over to me and I sent that, along with my divorce decree to Ocwen the year we divorced.  I think the mortgage company was GMAC at the time.  Regardless, I resent the quit claim deed and Ocwen was able to find my divorce decree.  At this time, I contacted the Ombudsman through Ocwen.  They offered to have a notary come to me to resign the paperwork.   The notary came to my work and I completed the paperwork and then received a call a few days later that it had been rejected due to not signing correctly.  I was told that I needed to sign the paperwork with my married name, and then aka with my current last name, as it appeared on my quit claim deed.  The notary who came out initially was given the wrong direction and while meeting with me, called for clarification.  When this was rejected, I received another call from Ocwen and they sent another notary out to my home. This was on XX/XX/XXXX.  While there, she wanted me to sign the paperwork with my legal name and no aka.  I told her no, that was wrong, but she didn't have any further instruction.  After she left my house, I received a phone call from the title company who sent her and I let them know what happened and they called the notary back to my house and I signed the paperwork the way I was supposed to.  3 weeks later, I receive a phone call from Ocwen, and they tell me that the paperwork was rejected, as of XX/XX/XXXX, and I need to have the co-borrower sign!  They are referring to my ex husband and here we are back to square one.  I am going in circles with them.  I almost had XXXX on the phone with them and immediately called the Ombudsman again.  I am waiting for a call back now.  I am so frustrated because this has affected my credit score, as Ocwen is reported my account to be delinquent, as this has not been updated to the credit bureaus.   I have a 592 credit score because of them and there is absolutely nothing I can do, which is why I am reaching out to you.  If there is anything you can do to expedite this and to right the wrong they have done with my credit score, I would appreciate it.  I am a hard working person, I don't qualify nor want any state aid.  I have a good job.  I just fell behind due to my divorce.  This modification is taking 9 months now.  This is so unfair.  I couldn't even get a loan or refinance if I wanted to.  Please help.

Company response to consumer: Closed with explanation