Consumer complaint received 2016-03-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called them to see about getting a modification and the interest rate I noticed was going lower. I contacted them to see about what I can do for a modification. They told me that they had a lot of people file for modification. The talked me into in and were very professional and after the third month after the modification and that sounded good and I called them back and they said they would send me out a modification packet. I filled it out completely and I asked how long it would take. They told me it would take about XXXX 3 weeks. They told me they were not able to process it and they sent me a document that was missing. I sent that back to them and they told me that it was too late and they would need to start over with a new packet. I filled out that and sent it to them and some other issue happened and they told me I was in foreclosure. The manager told me that the computer system put out the foreclosure notice. They told me there was a sale date for XXXX the XXXX 2010 and I called back and he said not to worry about it and the computer does it. They put me into foreclosure and they never served me. I started looking for an attorney. That he had to file and they over turned the foreclosure and that after sending them papers back for the modification. They never let me know about what happened with the modification and then they had the fine when they were fined. Then we got paperwork asking me to attend by phone. They did n't do anything and refused to mediate. They guy did n't participate and we got a different judge and he did n't rule on the sanction. I started paying the mortgage after 9 months they did n't do anything. They sent me a modification and sent it back to them and my lawyer responded to them. They never responded to us and they never responded at all. XXXX I canceled the bankruptcy and to get the funds that were in bankruptcy. Then I filed a complaint with the attorney general. She wrote Ocwen and they assigned me an ombudsman. They did n't include them not serving they did n't include them not showing them doing the sale date. She also stated that I never paid a certain amount that I never paid that and I did pay it I did pay the {$4000.00} and lots of errors in her report and I had sent proof of XXXX pages and emailed her. That paperwork she said it does n't matter and it would n't help me save my house. That 's why I 'm in the situation of what they did to me. I asked them that I need a few more months and I can make payments in the next few months. I let them know about my XXXX and I would inherit his home and would be able to get money. I let them know that this is my home and I want to keep it and I just had XXXX and XXXX that would be causing me pain. I would have to be sitting down for a few weeks. If they take my house I would have no way of moving after the XXXX. I sent them proof of all the personal injury case that I would be getting money from that case. She claimed that they did serve me and sent it to my lawyer and I did n't have a lawyer at that time. It was just XXXX thing after another. I told them I had to fire my attorney and they would not talk to me if I had him. I told my attorney if he can send me a copy of the first contract that it would not correspond to him at that time. If you know where the person is you have to serve them at that place. She was saying she was going to be working with me. Then next thing I know I get an email from my prior lawyer saying they would. I contacted her and told her why did they push to ask the courthouse to get the deed so they can take ownership of the house. I told me I would need more time to pay them. I told them and provided them with everything they need. It 's not fair and it 's not legal and not ok. It 's been XXXX mistake after another. Ombudsman is supposed to be on my side she claims

Company response to consumer: Closed with explanation