Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Our mortage loan originated with XXXX in XX/XX/XXXX. It was two parcel 's in one purchase combined and escrowed conventionally as one loan for $ XXXX, deeded together as one. 

Currently, we 've been with XXXX XXXX for about 4-5 years and have had nothing but issues. We were previously with XXXX XXXX who sold us to XXXX XXXX. In the middle of the Ocwen/XXXX transfer we filed bankruptcy to save our house ( XX/XX/XXXX est ) due to the economy, which never went through because we found the money to pay our way out. In the middle of the transfer between mortgage companies Ocwen, foreclosed on us without our knowledge on the auction block due to back taxes that XXXX never paid. We got as far as the deed changed over to another person due to taxes not being paid on the parcel of land our house sits on. We have another parcel attached that our land only on that were purchased together in the original loan explained above. My husband fixed the deed with Ocwen by calling them every single day for roughly two months while threatening lawsuit and bad practice because we were foreclosed to the sum of $ XXXX estimate in taxes that XXXX XXXX never paid. 
After the " foreclosure '' we were forced to sign a refi agreement ( Obama plan- but the numbers were skewed and we could n't get an answer on why ) with Ocwen in order to keep the home and for them to " research '' the $ XXXX that XXXX never paid. We gave birth to our XXXX child in this time line and were terrified of being homeless with a new baby. To date Ocwen has still have not cleared up or given us documentation on this issue but only the explanate. It was considered " lost '' per their books, but the deed was corrected with the county by switching it back to our name and all was well in regards to the XXXX in back owed taxes ( we think )? 

We never have found where our money has gone in the past 12 years, but we still owe over $ 200k on our home when our original note was $ XXXX. The only money we know that was accounted for was the $ XXXX down payment we put on it as a down payment to XXXX. 

Fast forward to summer of XX/XX/XXXX and, we hit hard times with a medical issue with our youngest ( we now have XXXX children ages XXXX, XXXX and XXXX ) and were out of work 6 months while living in the hospital. We reached an agreement with Ocwen to go on a re-payment plan this fall to correct our back payment and signed off on a new amount for one year for double our payment to catch back up. We paid early, quickly and on time. We made two payments on this plan, one in XX/XX/XXXX and one in XX/XX/XXXX. We paid our XX/XX/XXXX payment, as agreed and everything seemed fine. We received a notice yesterday that our escrow is now more than double the amount of last year ( our taxes do not justify this ) and we owe $ XXXX as a payment. We called and they have no answer for us, everything is still offshored, and they returned our payment made on XX/XX/XXXX, a week or so ago without our knowledge or notifying us. There is no reason for them to return the payment as we now pay them out of a separate account because we are scarred from the nightmare we have had dealing with them and the money is still there. It now appears we are in default of our payment agreement and they have no explanation for the escrow amounts and now our land is showing a different address that is no longer escrowed with our house parcel which was all in the orginal note to begin with. We are supposed to pay the 10 acre land taxes out of pocket, which does n't make sense since we pay into an escrow per our original agreement 11 years ago. 
We ca n't get a clear answer, clarity or anything and know we are past the point of " fixing '' it. We feel a deep dive investigation in our case would find significant fraud, deceit, mistakes in accounting and monies owed on our account by various mortgage companies.

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