Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Several years ago, my mortgage was sold t o Ocwen Mortgage Servicing.  Not long after, I was laid off my job due to their age policy and I could no longer afford my mortgage payments. I notified Ocwen of the situation and they proposed that I take their " unemployment modification '', making monthly payments of a reduced amount for 12 months and if I did that, they would then give me a permanent modification. I was compliant, made my payments, called them a month before the temporary unemployment modification ended. They then told me I owed {$13000.00}, which was increased a month later to {$16000.00}, then {$18000.00}, until it reached almost {$55000.00}. I was told the money reflects mortgage due for that year long period. They called it a " balloon '' payment. I was shocked since no one told me that this would happen. I reminded them that I had been making monthly mortgage payments, albeit a reduced amount. The told me to complete a loan modification application, which I did. In fact, I completed close to a dozen modification applications, sending them all the documentation they requested, only to be told they either never received it, lost it or denied it. I requested that they tell me what to pay for a monthly mortgage while this was resolved but they never did! They then told me that I had no homeowner 's insurance on the property, which was wrong since  that is paid through my HOA and I sent them proof of the insurance. They then attempted to charge me for " inspections '' ( never happened ), lockbox ( there was none ) and they advised me via a phone call ( nothing ever was hard copy! ) that I signed a deed-in-lieu and to vacate my property! I NEVER signed a deed-in-lieu and told them I wanted to see it because if it did exist, my signature was forged. I never received a copy. I attempted on NUMEROUS occasions to resolve this, including going to Keep Your Home California for assistance. They approved my request for assistance, offered Ocwen up to   {$100000.00} to reinstate my loan and reduce the principal to make payments more doable. Ocwen refused to accept the money! Now, my home is scheduled for auction on  XXXX   XXXX ,  2017. I a m  XXXX  years old with several catastrophic medical conditions and will not survive living  on the street. I believe   Ocwen has behaved in a criminal-like manner and is attempting to rob me of my home, as they have done with so many others. I do know that  XXXX   XXXX , the AG of California, has been attempting to prevent Ocwen from doing business in California and the BBB refuses to do business any longer with Ocwen. Now, they are attempting to force me to sell my home in a short sale prior to the auction date. They have done many other less than legal and fraud type of activity on my loan. I am desperate at this time not to be put out o n the street, esp ecially by a lying, thieving company like Ocwen. They should not be allowed to remain in business due to their more than shady practices. Please help me remain in my home and put these people out of business to prevent them from doing any more damage to their " customers ''. I am open to virtually anything that would resolve this issue and allow me to remain in my home, which I have lived in for 13 years! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief