Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Original loan was with XXXX XXXX ( XX/XX/XXXX ) I paid out of escrow homeowners ins., flood ins. and property taxes, In XX/XX/XXXX my mom got really sick and XXXX in XX/XX/XXXX. I had been traveling a lot during this time to Michigan to be with her and I had fallen behind in mortgage payments but always contacted XXXX with promise payments, I had never fell more than 2 months behind in payments. I made a huge error and forgot to pay my XXXX property taxes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was extremely close to my mother. 
In XX/XX/XXXX XXXX brought this to my attention, I made a promise payment to them that I would have my XX/XX/XXXX property taxes paid before the end of XX/XX/XXXX they gave me no reason to believe that this would be a problem, I have always followed through with every promise payment during this difficult time. I went to a XXXX bank teller XX/XX/XXXX to paid monies owed for XX/XX/XXXX property taxes. The bank teller directed me to XXXX XXXX a financial service rep. I told her my story and showed her that I had the money to pay my balance owed. After an hour of waiting for her she told me that she could not help me and I had to go see the attorneys, XXXX XXXX XXXX that XXXX was foreclosing on my home, and to go see these attorneys to re-instate my home. I went to XXXX XXXX  XXXX that day, I walked into the office and asked the woman behind the glass to help me with my problem, I told her my story and gave her all of my information. I waited 40 minutes only to be told that I must be confused and she does not have my name or loan number in her files. Now I went back to XXXX to speak to the financial rep., to only wait an hour before I was told by her to go back to the attorneys office and they would help me now. so I proceeded to go back to XXXX XXXX XXXX, after I arrived, only to wait another 30 minutes for XXXX XXXX to walk into the office and tell me that they would contact me when the re-instatement figure was ready. I visited that office everyday for the next 2 1/2 weeks, until finally I reicieved an email late evening XX/XX/XXXX that my re-instatement was ready. I immediately paid that bill the next morning. Now the 2nd part of my nightmare begins, XXXX sold my loan to XXXX. I had been making mortgage payments to XXXX XXXX on time every month, I learned my lesson with late property taxes. A couple of months into my new lender, XXXX, I was now told that I have an escrow account of XXXX, and they are now foreclosing on me. After several months of calling XXXX every evening, faxing, e-mailing, overnight certified mail proving to this lender that I do not have a escrow account, and I am current on taxes, ins etc.the problem is resolved, now my loan was sold to Ocwen. So I start to pay Ocwen my mortgage payments on time. I sent my property tax payment out in XX/XX/XXXX when they are due, only for the county to send me back my check and was told that my taxes were already paid. And then I received a foreclosure notice from Ocwen that I owe them XXXX. I sent Ocwen the payment for the property tax, I sent them proof of homeowners ins., flood ins. and explained them in writing that with the tax payment I am current. They would not give me the time of day, the staff with this lender was horrible and would not work with me to even listen what I had to say. I was told to send proof and I did several times. Ocwen would not stop the foreclosure, I had no choice except to hire an attorney, which I did, The XXXX XXXX XXXX. This attorney did nothing except delay the matter and take my money. I was re-assigned a different attorney every time I called to get an update. Now it is XX/XX/XXXX, I filed chapter XXXX bankruptcy in XX/XX/XXXX to save my home. ( my bankruptcy only includes my house, and I am paying 100 % back ) I received my proof of claim, and yes all of the re-instatement fees that I already paid along with property taxes, homeowners ins and all other ridiculous fees I am being charged in my proof of claim. My original amount owed is {$120000.00}. the claim is for {$240000.00}. I have tried to work with this lender on several occasions, only to be talked down to and called a liar by them. I am proud of myself for hanging in there but I am tired, I need help getting these fees removed. Can you help me? I have not attached docs due to so many and so much personal information on them. I am willing to send to the CPFB anything that you will need to prove my case. I have saved everything. Please help, after doing much research this year I believe that I am a victim of the mortgage melt. 

Thank you in advance, XXXX XXXX XXXX ( XXXX ) XXXX

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