Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My loan was sold to Ocwen in XXXX from GMAC. Since that time, Ocwen has applied payments late ( and charged me a fee ), not honored a payment arrangement, and most recently sent me to foreclosure stating I had not made a mortgage payment since XXXX of XXXX ( which I did - I attached my bank statements showing the wire transfers )! This all started when my husband thought I made the mortgage payment and I thought he did so we missed a month. I called Ocwen immediately and spoke to a representative who set up a payment plan where we would add XXXX to the next XXXX payments ( which is when I was told I would have to wire payments ). They wo n't allow me online access, I ca n't get them to send me any of the documents I 've requested, they 've declined my modification request twice, and they are saying I have a balance of {$21000.00}. I can not get information from them since they " restructured '' their databases in XXXX XXXX and when I call I get nowhere. When I set the payment arrangement up with Ocwen they told me I could n't mail a payment or do it online - I had to wire it to their servicer XXXX XXXX. They gave me wiring instructions for their account at XXXX XXXX. We have been wiring payments to that account since that time ( even after we finished the arrangement we continued to wire there because we had no instructions otherwise XXXX and had no idea that Ocwen closed the XXXX XXXX account and moved it to XXXX XXXX. I logged in to check my credit report on XXXX/XXXX/XXXX to see that not only had Ocwen not contacted me at all about the payments ( which is why I assumed everything was fine ) - they have been reporting {$0.00} mortgage payments since XXXX XXXX. When I called to talk to them about it I spoke with XXXX XXXX who promised to keep me posted and help me. When I called the XXXX # he gave me I was repeatedly put into a queue where XXXX XXXX vouchers were being sold. I was eventually put in touch with our " Relationship Manager '' XXXX XXXX XXXX who never called or followed up - he just said our case was being researched. I got fed up and called Ocwen last week and spoke to XXXX XXXX who did offer to help and she has been very helpful. I had to send in proof of every wire transfer payment to prove that we made the payments. She said it could take months for Ocwen 's Cash Analysis department to work things out and that I could not make mortgage payments in the mean time. So, they have stopped the foreclosure process from going through on XXXX/XXXX/XXXX as they had planned but Ocwen says we are still in foreclosure. They are taking my mortgage payments XXXX XXXX XXXX confirmed that they HAVE been sending the wired $ to Ocwen ) but not applying them to my loan. They 've destroyed my credit, my stress level is through the roof, the fees and interest are absolutely insane, and I have nobody at Ocwen willing to help me except XXXX. What they 're doing is wrong and it has to be illegal on many levels. I need somebody more powerful than myself to step in so I 'm asking for your help or I 'm going to be financially ruined as a result of Ocwen 's unethical and shady business practices. I have attached proof of the payments we wired to XXXX XXXX XXXX confirmed receipt and forwarding to XXXX XXXX per Ocwen 's instructions ).

Company response to consumer: Closed with explanation