Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Complaint Office : CFPB-Mortgage Complaint This letter is my written response to the foreclosure documents received on XX/XX/XXXX. With my husband death I was unable to continue the mortgage on our home. I had fell behind but was able to catch up but soon feel again due to lack of income. In XX/XX/XXXX I contacted OCWEN to start Deed In-Liue process. I received a letter stating what information I would need to submit. I proceeded with the information to them. I respectively sent the following information per their request. Husbands death certificate, income verification and bills I was responsible for. After several months of contacting them, I was informed that my case would need to go to a review. I received another letter on XX/XX/XXXX informing me that OCWEN had sold my account to yet another firm. I then received yet another letter stating that PHH is my mortgage company now. After receiving my monthly statement from PHH I called them to inform them that I had started the Deed In-Lieu process with OCWEN. PHH informed me that they had no information passed on to them from OCWEN and that I would have to start the process all over again. I asked PHH to send me the forms that they needed completed for this process to start. I received yet another statement stating that my account has been put into Deed in Lieu. Thinking that all process was being taken, I received a letter from an attorney stating that my account is going to foreclosure. On the same date I received a certificated letter form the XXXX County courts that I was being sued. During the same week I received another statement from yet another firm. At this point there 3 to 4 firms involved with my account. There are so many different addresses and phone numbers I am not sure who to contact now.

In the court papers there was a letter stating that I could request a conference with the lender. As this date I am not sure who I am actually dealing with. My whole experience with this has been overwhelming. The following companies are under OCWEN.

OCWEN-XXXX XXXX XXXX XXXX, CA XXXX net address : XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX ( XXXX XXXX ) PHH-XXXX XXXX  XXXX  XXXX, IL XXXX / XXXX XXXX XXXX XXXX. XXXX, NJ XXXX- XXXX XXXX-C/O-PHH Mortgage Service- XXXX  XXXX  XXXX   XXXX. XXXX, NJ XXXX-XXXX ( PHH Mortgage Services-XXXX XXXX XXXX   Mail Stop : XXXX-XXXX. XXXX, NJ XXXX XXXX I have several documents but are unable to scan them in. If I could get an address, contact person I will glad to make copies of all and send it registered mail immediately. Thank you for your time and I appreciate any assistance you could help me with.

*XX/XX/XXXX-sent letter to PHH about Deed in Lieu after I found out that they had no prior info from OCWEN . ( Which they are a part of as well ) *XX/XX/XXXX-PHH-Statement- $ XXXX- ( Statement reads : You have agreed to the following loss mitigation program ; Deed IN Lieu *XX/XX/XXXX- PHH letter to inform us that my account has been forwarded to the Research Department *XX/XX/XXXX-Phh letter informing me that the research has been completed and that additional info is needed.

* XX/XX/XXXX- XXXX  letter informing me that account has been turned over to an attorney.

* XX/XX/XXXX-Notice from Law firm.

*XX/XX/XXXX-XXXX-Statement- {$4900.00} ( statement reads : The first notice or filing required by applicable law for the foreclosure process has not been made *Dated XX/XX/XXXX-Summons from XXXX County Courts *XX/XX/XXXX-Statement- $ XXXX-statement reads-The first notice or filing required by applicable law for the foreclosure process has been made *XX/XX/XXXX- XXXX-Offering Deed in Lieu * XX/XX/XXXX-received letter from XXXX to obtain written requests.

Company response to consumer: Closed with explanation