Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We are in a crisis ... My Brother in law who is a XXXX in the XXXX area suggested I contact you, because what I shared with him about what my husband and I have been dealing with for years was very disturbing to him. Our Loan Servicer is Ocwen and we have a very convoluted and complex situation. Over a year and a half ago, our Home Owners Association ( XXXX lien holder subject to our Mtg.Co. ) here in XXXX XXXX, XXXX, foreclosed on our home after negotiations to work out a payment plan fail through and they denied what we could afford monthly. This was a XXXX HOA F/C on our property since XXXX. In XXXX XXXX XXXX, who is the assigned Trustee, for virtually thousands of HOA F/C in XXXX XXXX, immediately accelerated the F/C and the investor, XXXX XXXX, XXXX , who won the bid for approx. {$9000.00}. for a {$200000.00} home, immediately went to the Records Dept. and changed the Deed to XXXX, XXXX, XXXX, with out a Title Company processing the Title which would have required our signatures. We made numerous calls to Ocwen Loan Servicing to inform them of what was taking place, making them aware that this Investor would be demanding we sign a Lease Agreement with him for a certain amount of rent each month, or he would threaten to evict us. When the XXXX days was up, we received notice demanding {$18000.00} ( double his investment ) upfront and if we wanted to stay in the home we would have to sign a lease for {$1800.00} a month. XXXX XXXX, with XXXX XXXX, scheduled an appointment with us, after realizing the home would need slab work, our A/C went out @ the expense of {$2500.00} he agreed to let us lease for less without the down payment. We work out of our home & felt vulnerable to his demands.We have been leasing from him from month to month since XXXX XXXX, XXXX. During this time Ocwen was notified of what XXXX XXXX was doing & XXXX had their attorney 's contacted him to try to resolve this. However, the attorney 's and XXXX XXXX went back and forth filing suits for months, so that XXXX XXXX could prolong our lease. It 's been a year now, and just a month ago we started receiving F/C ads in the mail and calls from Ocwen began again, wanting to send us Loan Modification papers. We realized that something must be happening. The Attorney 's for XXXX/Ocwen had not notified us, so we decided to call XXXX XXXX XXXX & XXXX, XXXX, attorney 's for XXXX/Ocwen. They informed us of a recent ruling from the lawsuit that was between XXXX/Ocwen & XXXX, XXXX, XXXX.The judge in the XXXX County Courthouse dismissed the case without prejudice, sighting the original HOA F/C was a XXXX Lien holder and subject to the XXXX Lien holder which is XXXX.We had questioned this many times with Ocwen reps. but no one would do anything about it. Recently on the phone with XXXX of the clerks in the XXXX department for XXXX, I informed them that we had not gotten any notice of F/C, but we were aware through the mail ads of a sale date for XXXX/XXXX/XXXX. She put me through to an attorney and she explained the ruling against XXXX, XXXX. XXXX, and said that the date set was in error because they had not sent out the notification of a F/C Sale Date to us. They registered the letter for the sale date for the F/C sale on XXXX/XXXX/XXXX. which we had to pick up at the Post Office. We have been through some hard times, and through some unique turn of events that effected our situation, which is to much to explain here ... Ocwen has inflated our original loan from {$100000.00} to now at {$260000.00}. Our home is valued at {$200000.00}. The investor XXXX XXXX, whose name is on the Deed to our property, told my husband we needed to have an attorney dispute some major discrepancies in our loan documents bordering on fraud charges in our loan documents. We have been under so much pressure trying to keep our business going & dealing with this mess.Between HOA issues & hardship ... can you help?

Company response to consumer: Closed