Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have been dealing with Ocwen since XX/XX/XXXX trying to get a deed in lieu. I found your information online about the lawsuit. I am currently going through a divorce and my ex-husband and I decided its best to go through the deed in lieu. We started the process in XX/XX/XXXX signed the documents and it was approved. In XX/XX/XXXX Ocwen did a home appraisal. We followed up with Ocwen monthly and the only answer we would get was that there was a delay. in XX/XX/XXXX we got paperwork stating that it was approved and that the house was to be vacant by XX/XX/XXXX. At that time the house was already vacant and our home owners insurance was canceled due to it being vacant. Ocwen said that would be fine that they covered the house through their own insurance. We did get our own hazardous insurance XX/XX/XXXX and Ocwen was not putting it in their system and I kept getting notices that the house was not covered and that is why there was another delay. Ocwen did not call in regards to this and when I called they said that they had all the paperwork they needed but I kept getting letters saying the house was not covered. In XX/XX/XXXX I called and fought with the insurance department of Ocwen and finally got the insurance information entered into their system. I call between every week to every 2 weeks to check on the status of the deed in lieu and I always get that there was a delay with the paperwork and that the attorneys are working on it. I never get a reason as to what the delay is. XX/XX/XXXX I get a call from Ocwen that they will have a notary contact me in regards to signing the paperwork. Later that day I get another phone call the appraisal ran out and that a new appraisal will need to be conducted prior to signing any documents. I called Ocwen on XX/XX/XXXX because I got another letter in the mail stating that we did not have significant hazardous insurance on the house and that it needed to cover the total cost of what is owned on the property. None of this was listed in any of the letters I received nor during the phone called. I also talked to the deed in lieu department and that stated that they would expedite the appraisal as nothing had been ordered at that time. I called again on XX/XX/XXXX and got same answer but this time they gave me an order number for requesting the appraisal. Order number XXXX. I called again on XX/XX/XXXX and still no appraisal had been order and they said that I would hear from the appraiser by the XX/XX/XXXX. I called Ocwen back on XX/XX/XXXX and they still had not ordered the appraisal. I then asked to speak to the supervisor ID # XXXX. By the afternoon of XX/XX/XXXX the contractor for the appraisal contacted me and we met that day and had the appraisal done. I have contacted the BBB in complaint as this has been 8 months that Ocwen has been delaying to complete the deed in Lieu assistance program when it should have only taken 90 days at the most. I am beyond frustrated and at my whits end as what to do to get this completed. I cant afford an attorney as I am already going through a lawyer for custody and child support and then for my divorce once the house is out of our name. if you have any advice as what we can do or should do. I just want this taken care of and no more delaying. I did call Ocwen back today and let them know that they appraisal was done on Friday XX/XX/XXXX they said it will take XX/XX/XXXX business days for them to get the documents and then it needs to be accepted and uploaded in their system. At that point their attorneys will begin preparing the mortgage documents to sign off on the house. i am still fighting with Ocwen to try and complete the deed in Lieu assistance program

Company response to consumer: Closed with explanation