Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
Ocwen Servicing does not own our loan. They have collected our payments for yeas, but have added thousands in fees, and restructured our loan to charge us interest on interest. They have continually lied to us, sending letters that state " the investors wo n't allow HAMP modification or principal reductions, however, within the same investor trust records, many other loans are documented to have received principal reductions. The only document showing any assignment of our mortgage filed is completely fraudulent, it is filed several years after the pooling agreement for the trust closed. This document filed in our county records was falsely and maliciously prepared and was signed by an Ocwen employee, previously with GMAC, named XXXX XXXX, this " XXXX something year old '' signed as the Vice President of MERS using a completely fake MERS corp stamp. This stamp was used by many " Vice Presidents of MERS '' during their robosigning reign. XXXX XXXX XXXX in her lustrous career as Vice President for a National corporation, did n't even bother to pay the reported {$25.00} fee for the actual stamp with which to create fraudulent documents and file them in the county of our home, In addition, this same document is notarized by XXXX XXXX, who has had her notary privileges permanently revoked because of her misuse of her role also and in the criminal deception of homeowners documents for their corporate greed. We the homeowners, have built a life in our home with our children, go to work everyday, took care of each other and our home since we bought it in 2004. We took out loans that we still pay on to put on a new roof, heating and air units, hot water heater, carpeting, treat termites etc that have come up over the years. It appears during these same years Ocwen collected payments and paid investors, all though the trust shows the investment is paid in full. Ocwen restructured our loan insisting the investors would not allow a principal reduction, instead they added the interest we became behind on and are now charging us interest on the interest among hundreds of other fees, last month the charged use for a title report {$250.00}, HAMP reports among many other incentives they offer to have mortgage companies help their customers, they pay up to {$250.00} for a title report, so lucky Ocwen they get paid by their customer and by the government. We tried to get help through what we thought was a reputable attorney, XXXX XXXX in California, XXXX.His representatives told us, " oh yes, you qualify for our case, for {$5000.00} we will take Ocwen to court with hundreds of others they have wronged '' ( mass joiner scheme ), We were assured the outcome was all the wrongful things Ocwen did would be brought to light in court and we would end up with a 2 % loan and a large principal reduction. It didnt seem far fetched considering CFPB had basically assured the same thing when they met with the Attorney Generals of 50 states over the improprieties Ocwen had commited to so many people, illegal acts that they have not been charged for that are harming so many families.The mass joiner lawsuit supposedly filed and lost and appealed and lost took years, meanwhile we were not allowed to talk directly with our servicer Ocwen. Not one single person called, emailed, sent a letter, NOTHING about the case we filed with XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in months and now we find out its over, we now owe over {$50000.00} IN BACK PAYMENTS AND STARTING FORECLOSURE. Suddenly now Ocwen is flooding us with bills letters, foreclosure paperwork simultaneously with HAMP modification approval and trial payment schedule. I have tried for 3 days, XXXX, XXXX XXXX, etc and Ocwen wo n't let the payment go through before the deadline, they gave us an EXACT amount to pay and the payment is kicked back, stating its the wrong amount.

Company response to consumer: Closed with explanation