Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have had a foreclosure dismissed last year of XX/XX/2014.It cost {$7500.00} in attorney fees. 
Ocwen reneged on a XXXX agreement dated XXXX after they cashed my check. I believe they had all documentation and simply failed to process the loan, a case of the left hand not knowing what the right hand was doing. Then post facto they amended requirements. Ocwen claimed there was a problem with signatures for this XXXX. I have always maintained they are liars and cheats-they had the originals. I recently found out what they were accusing me of was falsifying the signature document from my ex husband. In XX/XX/XXXX I faxed a copy of an affadavit to the CFPB from my ex and the original notary for his signature that it was indeed his signature. My lawyer shared this document with Ocwen 's attorney. This should have taken care of the enforcement of the terms of the XXXX. Recently, as requested by Ocwen, I had an independent appraisal done on the rural approximate XXXX acre parcel with the house for which the original mortgage is based, came out to {$100000.00}. Current County Auditor property taxes are based on {$100000.00} to further support that number. Sales offers also support the appraisal. That appraisal was also submitted to Ocwen 's lawyer which they deemed " invalid '' and refused to recalculate a new modification based on that figure. Ocwen claimed the properties it was compared to were to far apart. Not true, I live in a rural farming area and that is physically how the area is laid out with similar sized homes and parcels. I believe Ocwen committed fraud against me ( multiple ways and times ) and are in breach of contract for the XXXX XXXX based on their own lies of the signature page once the affadavit from my ex husband was submitted to them recently. Ocwen never reached out to my ex husband in four years for verification of his signatures EVER. I learned from a housing advocate that was helping me and communicating with Ocwen on my behalf in XXXX of this year, that Ocwen was accusing me of forgery ( Ocwen never outright ever told me or my ex that ). They just said there was a problem with the signature or that it was a copy, never told me how to rectify whatever was wrong. I always maintained they had my ex 's original and my original notarized signatures.They claim they would not honor that XXXX XXXX until I submitted a new appraisal. I did. They do n't like it. They have offered a newer HAMP when I was working with Springboard out of California, a HUD agency and sent it to me AFTER or very close to the date it was to expire. Most recently they offered another HAMP for {$190000.00} and arrears. I disagree with this principal loan amount of their latest modification and it needs to be modified to the current appraisal. On XX/XX/XXXX, I received XXXX letters from Ocwen, XXXX were certified. XXXX was stating that I am behind, another that I am in preforeclosure, and another advising me of alternatives to foreclosure and foreclosure scams. I have tried repeatedly to work with Ocwen, countering their offers that push my already underwater mortgage further underwater, I will never be able to refinance with a local bank that services their own mortgages with a house and XXXX acres that is simply not worth what it is currently mortgaged for. No legitimate financial institution would do that. Ocwen needs to make this right, but it seems that they can not rid themselves of a culture of lies and deception, not only to the consumer but to their investors as well. They continue to make each and everyday an " OCWEN GROUND HOG day for every consumer they deal with. Need back on a level playing field by forcing them to do the ethical/legal thing without incurring $ XXXX in legal fees. Do n't have that kind of money and they use that to wear people down. It would be cheaper for both parties if Ocwen just went with the facts and appraisal.

Company response to consumer: Closed with explanation