Consumer complaint received 2015-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Ocwen mishandling my acct. 
1. Class action suit XXXX XXXX/XXXX/14 XXXX sent them a check to be credited to loan balance. They never did.Atty asked where money was-they mailed a check to me? Never got & no posting of check. Settlement wo n't reissue a check-its passed the deadline. 
2. Ocwen took double payments out of my bank ( XXXX & XXXX ). Received refunds 3 WEEKS LATER & " no reimbursement '' for bounced checks, bank fees, other creditors & ruined my credit. Ocwen said not their fault? 
3. Tried to make mortgage in XX/XX/2014 & Ocwen refused my check saying my account was zero & I owe nothing?? No statement online & I checked & zero balance. No notice, no explanation & several calls to try to pay-I was transferred over & over & disconnected. Insurance co sent letter to notify them when I know new lender. 
XX/XX/2014 same thing, Ocwen wo n't accept payment. Ca n't afford lawyer so do n't know what to do? Then I got letter - I missed XXXX payments & Ocwen is starting foreclosure. 
Just before the letter, my well & septic went out & I used my XXXX payments to make repairs so I could live I my home. 
XX/XX/2014 I made a normal payment, & have been current ever since. 
Received a letter from Ocwen I owe 2 months & I owe extra for escrow shortage. I need to pay $ XXXX within 30 days or foreclosure will start. 
I applied for FHA HAMP - denied. Have to wait till XXXX to apply. Applied in XXXX - turned down again. I can pay $ XXXX in 6 months - I do not qualify for any help & they will start foreclosure. Found out my income was n't enough-so forced to rent to a stranger. 
I have now reapplied & its not looking good again. They want to foreclose or let me short sale. 
I am XXXX senior on SS income only. I am not able to move XXXX no where to go XXXX & can not afford anything else, & health issues. I live in a manufactured home & not too many companies finance this type of home. My home is appraised at {$170000.00} & I owe {$110000.00} XXXX with all their fees & late charges ). I ca n't refinance - Ocwen ruined my credit, I do n't qualify for other programs because I 'm late XXXX payments, & Ocwen is not helping me in anyway. I asked if the amount owed could be added to the final balance because I ca n't afford their repayment plan ( which is my only option-besides foreclosure ). I asked for a longer repayment plan-no. Everything I hoped for is turned down. 
I am currently paying {$100.00} more a month ( they bill me & I think its for the escrow shortgage ) yet they keep asking for all money up front I 'm threatened daily between calls & letters of foreclosureI talked to XXXX lawyer who said I had a good case for a " quiet title '' because of Ocwens mishandling ( I have all papers verifying this ) but it would cost me {$2000.00} upfront & {$700.00} a month afterwards. If I could afford that I would pay off Ocwen. I 've tried to locate another attorney pro bono, but am unsuccessful. Maybe they heard about Ocwen? 
All-in-all, I 've paid every month since XX/XX/2014 on time.. missed 2 months because Ocwen refused my payments, and am unable to catch up on payments because they will not work with me. I can not move & am able to make my normal payments & all of this would not have happened if " Ocwen never made their servicing errors & forced me into this situation. 
I would love to leave them in a heartbeat, but no one will even talk to me because my credit has been ruined so badly. 
Please help me! 
Ocwen forced me into this situation because they mishandled my account

Company response to consumer: Closed with explanation