Consumer complaint received 2016-10-27
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Well I will start with my original loan amount was {$100000.00} now XXXX XXXX has my loan balance at almost {$150000.00} with their fees and such included which first issue is those fees should not have been add it to my account such as the sheriff 's fee and any fee associated with the home being in the Sheriff 's sale or foreclosed because a modification was pre-approved and then payments were made but XXXX XXXX forgot to cancel the sale and the home sold at the Foreclosure Sheriff 's auction I was unaware of this until 3 months into making my modification payments the sheriff came to my door and serve me papers telling me I had 5 days to vacate the property after days taken off of work and countless hours on the phone XXXX XXXX assured me they would have the same reversed but those fees were still added to my loan. Secondly the county assessor 's office which is XXXX County assessors shows that there was a sale to XXXX XXXX from myself for the {$0.00} amount and until recently the property was showing and XXXX XXXX 's name so when filing for my taxes it made it very challenging because they had not corrected the assessors information or the title filing for my property and it showed them as a homeowner it took me almost a year to get that corrected several phone calls to XXXX XXXX several phone calls to the county several emails until I got this matter resolved but that is the only thing that has been resolved. my modification payments agreed upon were {$680.00} I had that amount put into a separate account and those payments Auto drafted monthly from that account monthly pmts made with no problem for well over a year then in XX/XX/XXXX they attempted to pull {$300.00} more than what my original agreed XXXX.I contacted XXXX XXXX in regards to this and they explained to me it was due to my escrow being in the negative {$7000.00} I explained to them just a few weeks previous I received a check from XXXX XXXX because of an escrow analysis showing I have an overage now XXXX XXXX has my escrow in the XXXX just weeks later??? Previous to this increase in my modification payments only 2 months into my modification I received a eviction notice from XXXX XXXX XXXX stating my home was sold in the sheriff sale an absolute confusion and panic I contacted both XXXX XXXX and the county attorney that roll up the eviction to inquire as to why I have been making modification payments and my property what sold at the auction I was advised XXXX XXXX neglected to cancel or withdrawal the property in the sale which in turn call the XXXX County assessors to list XXXX XXXX as the property owner that issue took me countless emails phone calls to both County and XXXX XXXX to get corrected now a year later it is back in my name but still shows record of the sale to XXXX XXXX. During XX/XX/XXXX when they attempted to pull the {$300.00} additional in payments I did not deposit that amount of funds into that account so that payment was declined I contacted XXXX XXXX and quiring to the increase they advised me it was due to Escrow so I got a print out of the transaction history since 2013 and had countless unexplained escrow adjustments besides property taxes and homeowners insurance I have sense called many times spoke to many people sent many e-mails even faxed in letters requesting escrow to be reanalyzed due to huge discrepancies in the amounts and the fluctuation from a XXXX balance to a negative {$17000.00} balance to a {$2000.00} balance to a {$15000.00} balance and the fact that XXXX amounts in one year we 're paid for homeowners insurance which clearly is incorrect I have to this day still not received a response and explanation of Corrections and now they are requesting my payments to go up to almost {$900.00} instead of the XXXX agreed upon which has in turn cause my house payment to be delinquent again and when I paid bill pay over {$1800.00} it took 45 days for

Company response to consumer: Closed with explanation