Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I have a home that went into foreclosure in XX/XX/XXXX. I do not know this company that sue me or did any mortgage trans action in the past let me tell you this in the beginning. my mortgage company was Homecoming Financial in XX/XX/XXXX my rate adjusted in due to the economy lost my company that year. I try to modified the loan with Homecoming but right when I was modified the loan a Attorney from XXXX XXXX trustee gave me a notice to foreclose. I ask Homecoming about this Company they had no idea who this company was either. they submitted fraud paper work and mortgage note that only had Homecoming on the promissory note in XX/XX/XXXX of a complaint to foreclosing. While there foreclosing still on me Homecoming Finacial decided to transfer the loan to a different servicer and holder in XXXX of that year to GMAC AND RESDENTIAL CORPORATION BEING THE HOLDER.. now this time is getting more confuse to find out who to modified the loan. I also know that XXXX XXXX Trustee is a trustee for a investment group the one that was foreclosing was also using GMAC as a servicer. I got a Attorney started to answer the foreclosing and the Judge set a side the foreclosure I told him i was trying to modified the loan. XXXX my lawyer try to modified the loan with GMAC Servicer with residential corporation being the holder of the note. The Service would always come back to say send us paper work or we never received paper work. One time back in XXXX XXXX my lawyer told me to send a payment trail XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX payments was XXXX all these payments have been document. all together was XXXX dollars that was never recorded to any pay off mortgage records as of today. In XX/XX/XXXX XXXX Turstee filed again for foreclosure. My lawer summited to the courts a answer to the complaint and counter suit the claim too for false collection with out proper paperwork, adjustable rate adjusting before the time to adjust and transferr notice to XXXX XXXX Trustee from Residential Corporation with no notice from GMAC Servicer to transfer 30 days notice. there was also a robo signer to a affidavit that XXXX XXXX Trustee submitted to the courts in XX/XX/XXXX and XX/XX/XXXX was not crediable signer to the courts a XXXX XXXX you can see more info on him through the internet looking up his name that work with GMAC Service. My Attorney argue through out XX/XX/XXXX and the courts would never knowledge the evident. it took the courts 5 months to even rule on the foreclosure which was rule on in XXXX XXXX after all the arguments were in. the last document that was submitted from XXXX XXXX Trustee was XXXX XXXX in they came back with a endorse copy of a promissory note stamp to XXXX XXXX Trustee pay to the order from Residential Corporation. paper work this was never submitted to the courts when they first filed for foreclosure they were back filling ownership but we still havent verified if this is a true statement from GMAC XXXX OR XXXX BEING THE HOLDER. It was hard to reach them at the time and GMAC went bankrupt and turn there loans to Ocwen. the service GMAC and Ocwen service to this date has not recorded pay off number of the loan right, transferring notice sent in 30 days from Residential to XXXX XXXX Trustee by mortgage federal laws. All this was pointed out to the judge in XXXX County in XXXX, Indiana Courts. the judge still ruled for XXXX XXXX Trustee. I believe the judge here in my county has no time to look at my case in detail so he just rule on who has a promissory note with out looking at the details of this case closely. the loan number XXXX with ocwen loan servicing the loan now XXXX XXXX with my address being XXXX XXXX XXXX XXXX Indiana XXXX my number is XXXX please do look into the case in XXXX county XXXX XXXX Trustee vs XXXX XXXX its a long journey to get someone to understand how wrong this is and breaking Mortgage laws.

Company response to consumer: Closed with explanation