Consumer complaint received 2015-06-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. I am writing in regards to loan # XXXX with Ocwen. In XXXX XXXX, I called and started a modification with you. At that time I became unemployed and my then husband, XXXX XXXX, lost his business. We became over extended in debt. In XXXX, we divorced, which put more strain on me financially. I was approved for a Shared Appreciation Modification, but you allowed XXXX XXXX to cancel it and he put a password on the account. 
Because of my financial hardship and not being able to complete the modification, I was forced to file Chapter XXXX Bankruptcy with XXXX XXXX XXXX. The payments were so high, I could not keep up and received a dismissal without prejudice. I then filed a lawsuit in district court which was dismissed in federal court. I continued to go back and forth with Ocwen about my mortgage until I received a foreclosure notification. At that point I filed Chapter XXXX Bankruptcy and it was discharged in XXXX, XXXX. I applied for another modification. During the process, I was told that I would need XXXX XXXX to sign the documents and also a copy of my divorce decree because the loan is in his name. 
I provided Ocwen with a copy of my divorce degree show that I had been given the home. Ocwen then told me to apply for an assumption to get the loan in my name. I applied for the assumption and it was approved, pending my mortgage becoming current. The only way that I could bring it current was to get my modification approved. I called the modification department and they told me the Special Waranty Deed that I had included for my assumption was not good enough for the modification. I needed a quit claim deed, signed by XXXX XXXX. I pleaded with XXXX XXXX to do a quit claim deed. By that time, I was told, that my original modification application had expired. I submitted a new XXXX within days. 
This happened in XXXX, XXXX. I waited for a response from Ocwen. I called them in XXXX, XXXX and was told that my package was complete. I then scheduled an appointment with an account manager on XXXX XXXX, XXXX. At that time he told me that my house had been foreclosed on XXXX XXXX, XXXX. I was in shock. He told me that I was missing a page from my modification and he was on vacation. XXXX XXXX stated that he had spoken with his supervisor and nothing could be done. He said that a letter had been sent out advising me that there was a page missing from my modification, which I never received. He also said that a foreclosure notice had been sent which I never received either. He told me to contact an attorney and see if Texas is a redemptive state. He said that he could not offer me any more assistance to get my house back. 
I then asked to speak with a supervisor. I was told by the supervisor that she could n't do anything to help me and that all proper letters had been sent out notifying me of the missing document and the foreclosure notice. 
I contacted an attorney and I have been working with him to get this matter resolved. My attorney was ineffective in dealing with Ocwen, as they poorly communicate from XXXX department to another. I would like to continue with my house back. I paid this attorney {$3000.00} and my house was still put up for auction. I will be evicted on XXXX XXXX, as per the agreement that was made to buy me more time. The plan was to work out something with Ocwen. Nothing has been resolved and I have XXXX daughters who are about to be homeless. 
Ocwen totally ignored the rule that the Consumer Financial Protection Bureau put in place regarding loan modifications and foreclosures in XXXX, XXXX. It states : Notify consumers of loss mitigation options and restrict dual tracking. They did not give me any notification about my modification and foreclosed on my home. I need help as soon as possible. My attorney has no idea who to talk to.

Company response to consumer: Closed with explanation