Consumer complaint received 2016-02-09
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I began the Loan Modification process with the XXXX XXXX XXXX XXXX - located at XXXX XXXX XXXX. 
XXXX XXXX XXXX, MD XXXX XXXX ; Housing Counselor in XXXX. Since then, we have provided tremendous amounts of duplicated information via XXXX for submission to OCWEN, refilled multiple times. OCWEN made XXXX offer for a loan modification via e-mail to XXXX XXXX and gave us 72 hours to respond in XXXX and not once did we receive anything in writing. At one point our case was referred to MD XXXX XXXX XXXX, XXXX, which the organization subsequently dissolved without resolving our case and did not notify us. During the period of time that they were involved, they kept requesting the same information over and over again. As a result, our case was sent back to XXXX XXXX XXXX XXXX and in XXXX XXXX - we receive a trial modification, which we signed and returned to OCWEN and began making payments to them. We also filed Chapter XXXX bankruptcy in XXXX XXXX through Attorney XXXX XXXX because of some other financial issues with the IRS. XXXX, XXXX, OCWEN had not notified us, so as a result, I called them to find out why we received no statements and was told that the paperwork sent in XXXX was not complete and therefore the trial was not accepted - we were still making payments, so, the gentleman I spoke too sent me the paperwork again in an e-mailed dated XXXX/XXXX/XXXX, which we download, had the same papers notarized again and sent via postal mail to XXXX. We also were told that we needed a letter faxed into OCWEN from our lawyers office for them to talk with us since we are in bankruptcy, which was done pronto, and when I called, I was told it was not there and I said, not that is not correct - here is the date and time it was faxed. She took time to go through the file and discovered it was misfiled as many of our documents have been by OCWEN and the need On XXXX/XXXX/XXXX - We received notification that OCWEN was unable to offer us the Home Affordable Modification because - we had filed bankruptcy and the modification was not approved by the court. Now - I called on XXXX/XXXX/XXXX - spoke to XXXX # XXXX, who told me that OCWEN had sent paperwork to my attorney on XXXX/XXXX/XXXX and never received a response. I asked " XXXX '' why were n't we notified if our attorney had not responded since we have working on this sine XXXX and it was a must need to be resolved and his response was that I had to talk to my relationship manager - who in my correspondences have been a XXXX XXXX. He tells me that " Oh, that has changed '' and asked to whom ; his response was XXXX XXXX ; I asked when did that change ; His response was that sometime recently - and I asked why, he said that I would need to make an appointment to speak to the new person - so I when and he " XXXX '' said XXXX/XXXX/XXXX at XXXX - XXXX XXXX was to contact me, and I did not receive a telephone call from him. At XXXX today, XXXX/XXXX/XXXX, I called OCWEN to ascertain why the call was not made to me as scheduled and was told that a call was placed to my lawyer - that was not the agreement. I called my lawyer and she told me that she was told, I sent to the documents to the final documents to OCWEN and she did not file a motion in court for it to be accepted and that we needed to begin all over again. I am sorry but this is very disconcerting and unacceptable. OCWEN is still accepting payments and told me on XXXX/XXXX/XXXX that we are making partial payments and are in danger of foreclosure - again unacceptable We provide a home for ourselves, our grandchildren, son and daughter-in-law and we are being pushed around like we are of no value. 
XXXX. We want OCWEN to honor and accept the trial modification which we signed and have been following to the letter. We want to see all documentation.

Company response to consumer: Closed