Consumer complaint received 2018-03-28
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2018 I was approved for a trial modification plan that required 3 monthly payments {$1100.00} each month beginning XX/XX/18 and the last payment being on XX/XX/2018. I was told that the foreclosure scheduled for XX/XX/2018 would be on hold postponed while I am in this plan. I made my first payment on XX/XX/2018, second on XX/XX/18 and third on XX/XX/18. All payments we at least 2 weeks ahead of the due date. Each month I would call and ask why the foreclosure sale for XX/XX/2018 still shows active and each time I was told it is on hold. on XX/XX/18 I emailed XXXX XXXX XXXX of Ocwen Loan Service asking why the foreclosure was still active, he replied with the following " Dear XXXX, We apologize for the confusion this matter may have caused you. 

Please be advised that the foreclosure activity on the account is currently on hold as the account is set up for Trial Payment Plan. Your second trial plan is due on XX/XX/2018 in the amount of {$1100.00}. 

on XX/XX/18 I emailed XXXX from ocwen again asking why the sale is active to which he replied " Dear XXXX, Please be advised that the confirm foreclosure sale date is scheduled for XX/XX/2018. However, the foreclosure is put on hold to complete the trial plan successfully. 

Once you complete the trial plan successfully by making all trial payments on time then the account will be reviewed for permanent modification. '' on XX/XX/XXXXI emailed XXXX from Ocwen again to as why the sale is not on hold to which he replied " Dear XXXX, We apologize for any inconvenience this matter may have caused. Exceptional customer service is our primary goal and we regret your experience with us has been less than favorable. We have noted the account with the information you have provided. Our records show that the account is under foreclosure. However, the foreclosure sale date has been placed on hold. For any clarification regarding the foreclosure, please contact the foreclosure attorney at XXXX XXXX XXXX, XXXX at ( XXXX ) XXXX and ask for XXXX XXXX or XXXX XXXX. '' on XX/XX/18 I called XXXX XXXX the attorney for Ocwen who advised me that the sale is still active and is not on hold. He advised that it wont be put on hold until the firm is advised by the client ( Ocwen ) to do so. I stated that Ocwen told me that they did notify the attorney to which XXXX reply was " Not Yet '' On XX/XX/18 I contacted my attorney XXXX XXXX and asked if he could contact the attorney for Ocwen to get clarification. XXXX called the Attorneys office who also indicated to him that the sale is still active and not on hold. 

on XX/XX/18 I contact the XXXX XXXX XXXX to file a complaint. I do not recall the agents name but calls are recorded. She advised that I am on a modification plan and the foreclosure should be on hold. I was told she would call me with in 24 hours but that call never came in. 

on XX/XX/18 I was called by XXXX from Ocwen to tell me that they are still working on a modification. He stated I should receive it in 10 business days which will be XX/XX/18 - 1 day after the foreclosure sale date of XX/XX/18. 

As of today XX/XX/2018, my sale is active on the XXXX county sheriff sales page. I have numerous people stopping in front of my home taking pictures daily, I get no less than XXXX pieces of mail per day asking me to file bankruptcy and stating my home will be sold on XX/XX/18 and this is marked in big letters on the outside of the envelope for my kids and postal worker to see. My home is listed as foreclosure on real-estate websites prompting Agents to contact me and other so drive by and stop across the street and photograph me and my home. This has caused so much stress to my family and is have health impacts due to the stress. I though this was illegal, A lender can not be in a modification plan and still move forward with foreclosure. 

please advise on what I need to do.

Company response to consumer: Closed with explanation