Consumer complaint received 2020-02-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint due to the fact my home went to foreclosure sale illegally. In XX/XX/XXXX, PHH approved my loan for a modification whereas I was required to make 3 consecutive payments in the amount of {$6200.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which I adhered to. 
In XXXX, I called PHH to make my trial payment and I was advised that my modification was declined due to failure to return the permanent modification documents within the deadline imposed of XX/XX/XXXX. I was advised that in XX/XX/XXXX PHH mailed the permanent modification however I never received them. After being notified of the denial, I submitted a letter to PHH on XX/XX/XXXX advising that we never received the permanent modification documents nor did anyone reach out from PHH via e-mail or phone to notify me of these documents. Furthermore, we notified them of a death in our family that may have contributed to never getting this documents. Please see attached letter. PHH acknowledged our letter on XX/XX/XXXX whereas they advised that we can have the modification denial reversed provided that we return the modification agreement along with paying the XXXX and XXXX trial payments totaling {$12000.00}. It also stated that if the denial reversal did not transpire in XXXX, that a total of {$18000.00} would be due in XXXX. Please note that the response letter that was generated by PHH on XX/XX/XXXX did not arrive until Wednesday XX/XX/XXXX. I immediately got the documents and had them notarized on XX/XX/XXXX. I faxed a copy of these documents to PHH to advise them that I am in agreement with the response letter dated XX/XX/XXXX. PHH nor the foreclosure attorney advise me that they scheduled a foreclosure sale date on my property for XX/XX/XXXX although the response letter dated XX/XX/XXXX advised that I had through XXXX to pay the {$18000.00}. The response letter did not provide any deadline dates with exception to that I would have to pay the {$18000.00} in the month of XXXX. I contacted PHH on XX/XX/XXXX to confirm the address they would like me to mail the documents and check to only be advised that my property went to foreclosure sale on XX/XX/XXXX. It is my belief the representative did not properly disclose specific information such as when the documents and funds were due nor did the letter advise of a foreclosure sale pending of XX/XX/XXXX. Prior to the response letter PHH provided dated XX/XX/XXXX, they provided copies of the modification documents they resent on XX/XX/XXXX. Please note these documents were the exact documents they stated was mailed on XX/XX/XXXX. The cover page was also dated XX/XX/XXXX although the documents were re-generated on XX/XX/XXXX. The deadline on the documents read XX/XX/XXXX although they were being resent to me on XX/XX/XXXX. It is absolutely clear based on all correspondences received from PHH surrounding this issue that this issue was not properly address whereas it should have provided specific dates as to when the permanent modifications and funds were due by. If they required the permanent documents and funds prior to XX/XX/XXXX, why wouldnt this information be stated in the response letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation