Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
In XXXX I purchased a home with my mom who had XXXX. I was her FPOA/HPOA at the time and I signed the mortgage documents for her. The home was held in her Trust, of which I was the Trustee. My dad had already passed and I am an only child. On XXXX/XXXX/XXXX my mom passed away. At this point I had been her caregiver for nearly 8 years, and had developed a XXXX ( XXXX ), so I filed for Social Security XXXX 2 months later ( XXXX XX/XX/XXXX ). I eventually was awarded XXXX, backdated to XX/XX/XXXX, but did not start receiving checks until XXXX of XX/XX/XXXX. In the 2 years between, I ended up behind on both my XXXX ( GMAC, now Ocwen ) and XXXX ( XXXX XXXX XXXX XXXX, now XXXX XXXX XXXX ) mortgages. Founders allowed me to bring my loan current XX/XX/XXXX, with a monthly payment of {$220.00} ( @ {$25000.00} @ 8 % ), and I 've paid on time every month since. Ocwen has given me the runaround for nearly 4 years now, and have actually foreclosed on their portion of my debt ( {$84000.00} on XXXX XXXX, XXXX in XXXX County Michigan ). I have worked very hard since XX/XX/XXXX to rebuild my credit score and now have it back up to the XXXX range, I have no other debts and XXXX has agreed that my income/cash flow is sufficient to repay both loans, which is my goal. 

My complaint is that Ocwen made a deal with me in XX/XX/XXXX to modify my original loan with a lower payment, and I made those payments on time for 6 months straight, but when they sent the forms to me to make the new payment permanent, they put them in my DECEASED MOTHER 'S NAME - 2YEARS AFTER HER PASSING! ( see attached ) I called them to correct this, but then all of a sudden they told me they could only talk to my mother because I was n't authorized on the loan! They also stopped accepting my payments in XX/XX/XXXX. This after I was the person who signed the original documents and had been discussing refinancing with them for nearly a year! So, I faxed what they asked for, but when I called back in, again they could n't find my fax, and gave me different numbers to fax to again. This happened multiple times over the entire year of XX/XX/XXXX, and by the time they would talk to me ( XX/XX/XXXX ), they had already started the foreclosure process. Then they sent me forms to sign, but they said I owed {$100000.00} ( THE ORIGINAL LOAN IN XXXX XX/XX/XXXX WAS ONLY {$100000.00} )! I agreed to repay the amount I owed as of XXXX XX/XX/XXXX ( when they stopped accepting my payments ), plus any escrow shortage, but they said I had to pay the whole amount they wanted, and still foreclosed - for {$84000.00}. I tried to refi with my local bank, but they ca n't loan /me the $ $ until XX/XX/XXXX as I was forced to file ChXXXX for unpaid doctor bills, and it was just discharged XXXX/XXXX/XXXX, which is the only reason they wont loan the $ $ today. I agree to pay what I owe, but not {$16000.00} more! Or, alternately, I need them to give me until XX/XX/XXXX or XX/XX/XXXX to get my financing from XXXX XXXX. Please help, otherwise I think I have to move by XXXX/XXXX/XXXX and I do n't want to lose the {$70000.00} equity that I have here! Thank you for your help. XXXX XXXX, Michigan

Company response to consumer: Closed with explanation