Consumer complaint received 2017-05-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is  XXXX   XXXX   XXXX , and I am the rightful heir and owner of the property located at  XXXX   XXXX   XXXX   XXXX  in  XXXX , NY. My now deceased husband and I are victims of mortgage fraud, and I have been trying to fix this problem for several years with little progress made. I am led to believe that the current servicer of this loan  is Ocwen a nd the investor is   XXXX   XXXX  . It has been difficult to communicate w ith Ocwen to determine the nex t steps and we are trying to get some type of escalated response to get information and fix this problem.     The current mortgage loan on the property is in the name of  XXXX   XXXX . She was duped into serving as a straw buyer a few years ago after a mortgage frauds ter ( now conv icted and in jail ) had tricked us into deeding our home to him. After the fraud was revealed  XXXX   XXXX  contacted us and wanted to fix the situation and deeded the home back into our name. The ban k (   AHMSI  at the time ) took us to court to try and foreclose, but the judge ruled that due to the mortgage fraud that this was not a legitimate loan and that the foreclosure would not be allowed to move forward. ( I have included this paperwork ). After that happened AHMSI ( loan #  XXXX  ) who was the lender at the time offered a loan modification to us in the name of  XXXX   XXXX . We began making the payments for the loan modification but then  AHMSI was sold to Homeward Residential, and then it became a part of Ocwen. We  got lost in the shuffle and did not know who to talk to, where to send the payments and the agreement ended up getting cancelled. Since that time we have been in limbo trying to resolve this matter but dont know where to turn. I am the rightful heir and owner of the property and occupy the home along with my  XXXX  children. I also rent out a portion of the property to a family in order to increase the household income. Between my salary as a   XXXX   XXXX   and the rent I make a good living and can definitely afford a fair and reasonable mortgage payment. The issue is that I cant make any progress  with Ocwen and cant ge t any information about this mortgage loan, even though I have enlisted the cooperation and blessing of  XXXX   XXXX  who is listed as the borrower on this loan.     My late husband and I have owned this home for 21 years. In   XXXX  , my husband, who was a pastor, was struggling financially and he was approached by a parishioner who told him they could help him.  XXXX   XXXX  entered into a  one year lo an agreement with this individual, but later found that he had deeded the property into the name of the fraudster. The property was then refinanced and/or sold a couple of more times in order to drain all of the equity.  XXXX   XXXX  was asked to do a favor to complete purchase loan paperwork for a motivated borrower who could not qualify for the loan. She had no idea that there was bad intent, but realized after the fraudsters were arrested what happened. She deeded the house out of her name back to me.   We ne ed Ocwen to acknowledge that they are the current holder of this loan, and provide the current loan number. At this time Ocwen is attempting to pursue past due balance amounts from me since I   occupy the home, but currently I am not listed as the borrower on the loan at this time.   I want to get to the bottom of this situation and try and get things fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation