Consumer complaint received 2016-02-12
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
on XXXX XXXX, XXXX, I was approached by my cousin, she told me that she needed me to help her, she said she needed me to go on title for six months, after she pay the mortgage on time for six months, my name would drop off title, we had to prove that we were related, and they did what they called a quick claim, after that they started the same process that they had did with me the night before, and I asked her if this is the same thing that we did the night before, because I do not want to by your house, I just bought my house last night, she took out {$8000.00} that night, had 90 days to pay the first mortgage, was late, they were late for 47 months, did pay for 24 months and paid on 3 months because her God father pay it with his credit card, she use my name ssn # birthdate address to setup an account with the mortgage company, I could not go online to check the accounts, both my mortgage and hers were held by the same mortgage company, she called the mortgage company and had the mortgage statement sent to her house, I had to go there to get my statement, XXXX XXXX, XXXX I XXXX, had a total of XXXX XXXX, spent many months in the hospital and XXXX, while I recovering, she was in constant contact with the mortgage company, keeping them for foreclosing on the house, all the this time they were using my ssn #. All this time I am thinking everything is getting paid, because I was not receiving calls from the mortgage company, that is because she had rerouted all communication to her phone and house, XX/XX/XXXX, I was served a judgement through my nephew at my Mother 's house for {$350000.00}, that is when I first discovered that was trouble, I later found out that the judgement was served at her house, she never informed me, by the time I was served, they had already defaulted on the judgement, so I started looking into what was happening, she had done so much damage, that it was hard for me to deal with the mortgage company. I found out that she did a quick claim and sold it to me the same night, so I had to evict her, because she would not leave, made spend money on attorney, sheriff, and court cost, I ask to do a deed in lieu of forecloser, they agreed, and when they called to inspect the house she denied them access to the house, so the mortgage pulled plug on that. I was given a relationship manager, she gave me a lot of information, mainly after, I was released from deed in lieu, and why, I found out that there was a lean on the property, that was placed on the property XX/XX/XXXX, so they could not take the property back because of that, that is why she did the quick claim, to hide the lean, so she can sale me the property, I hire XXXX Attorneys, XXXX took my money, and did nothing, would not answer or return my 74 calls, and the other XXXX has not done anything. I am XXXX XXXX, I have gone to the police department, to press charges for identity theft, but her mother is the XXXX, and they called a civil case and would not investigate, I also went to the Postal Inspector, for mail theft, and changing address on my mail, still waiting to hear from them

Company response to consumer: Closed with explanation