Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In XX/XX/XXXX I took out a loan for a very small 1 bedroom home the loan was with XXXX XXXX. Everything was going great my loan was going down I paid on time every month. In this loan the insurance was already included as well as the taxes. In XXXX XXXX went bankrupt my loan was sold to XXXX and that when the nightmare began they was charges constantly added my account and the starting charging for flood insurance I repeated told them to remove these extra charges there also late fees extra and my payments were on time. There payments I made not applied extra. We called and called nothing was removed and no one spoke clear English. XXXX the loan was sold off to Ocwen the problem got worse they now said I owned {$13000.00} on 15 year loan I been paying on since XXXX. Property preservation charges they never came out there Did anything. Then XXXX they said my loan was done which should been and sent modification papers. I asked see all my documents that they had reguardinf payments. Attached to this was payment schedule OCWEN now had my home loan for XXXX draw out into 30 years in showed from day one in XXXX - XXXX. With homecoming my loan was going down in XXXX. But with this that they made up it had I been paying 15 years and I still owed XXXX as of XX/XX/XXXX. I tried everything get them to clear the problem. Then this summer they sent a court hearing to for close from a company named XXXX XXXX they now had my loan and attorney named XXXX XXXX XXXX. The papers were sent to my old address of XXXX XXXX XXXX I never got them to go to the hearing then in XX/XX/XXXX. A sheriff found my home by talking to my old neighbors and serviced them to me. There was two hearings that I never attended because I didnt know about them. I called the court house they told me call the attorney and company. I tried and tried and u call and they both say they are debt collectors. The amount now that they have there seeking including false charges of mowing the grass and taking care of them. Came too {$19000.00}. Yesterday we received yet another paper saying the foreclose date and another {$6000.00} added on for even more charges. I cant afford an attorney but clearing fraud and I have had these people and there getting away with. They have written in this foreclosure I never made any attempts to ever pay my mortgage. Are u kidding my total with taxes and insurance I have paid {$40000.00} in 15 years. This fraud what they done to me and ruined my credit ... please help me .Also if look at the documents I am going to upload on the paper that is not my signature its the person filling out the paper. Also and of course there is no name of XXXX, XXXX, Ocwen it looks as though I never made any payments ever. If that case they should foreclosure a long time ago. This isnt right that they are able do this to people. They send papers too that said your payment now {$230.00} and then go up again ... I dont know but I do know this there something that clearly happen to me that should have. If you look at documents I attached you will see how late fees on me when I paid on time sometimes two payments a month ... I included to show a print out I sent them at the time this was from XX/XX/XXXX through XX/XX/XXXX. Please help me if you need anymore papers please contact me. Also have what they charge us and send by certified mail things try and make me modify my mortgage with them ...

Company response to consumer: Closed with explanation