Consumer complaint received 2020-01-14
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage made payment agreements with me on 2 different occasions only to deny doing so and sent 1st back, then saying didnt receive 2nd one at all although i explained i had and had proof they had received it, they said would review of my case and would take 10 days however 1st review done in beginning of XXXX wasnt ended and info redarding the result of it wasnt relayed to me until XXXX of 2019 and was entered into their computers improperly due to the information in their computers that they were telling me was their decision was actually information Ipersonally told them regarding date I received money back not why or who sent money back and was told that during review they forclosure couldnt and wouldnt proceed but they were in fact proceeding but assuring me they were not and to throw out letters I was receiving regarding foreclosure that it was just what would normally happen during such time frame had investigation or review of my claim was being handled and only after receiving letter on XXXX with auction an date did I realize I was seriously deceived with no time or money to file suit against and sale date is tomorrow!! They finally admit as of yesterday at XXXX XXXX  they received the money on date per our agreement and told me to call THEIR attorney and ask for a reversal and reinstatement so i did to be told need their other dept. and was transferred at XXXX. i can prove they have not given me proper notice, mislead me, mishandled phone records, prolonged reviews and research regarding these issues since I reached out to them in XX/XX/2019, and PHH did not properly acknowledge having accepted my money or review my information in a timely manner until to late to stop them from taking my home of 21 yrs, mishandled phone calls, mail fraud, withholding my payments or sending them back ( to assure sale of home happened ) for the sole purpose of financial gain for them and i feel may end in a total loss for my family which can leave us homeless. Also I believe there is improper handling of paperwork, deception, falsifying notes in their computers giving me inaccurate information which I can prove easily and can be proven more with phone records of theirs and mine and holding off on investigating since XXXX ( until yesterday although I had proof of them receiving money and me submitting it by phone and fax multiple times and even telling them the proper EASY steps to take within their company to see i complied with their attorney and them from the beginning ) and absolutely refused any management numbers, emails, or any other department besides the main dept that answers until this past friday evening, mishandling payments, proof of payments and not putting proper information that i told them in computer on multiple occasions since XXXX of 2019 which resulted in what I believe and know is a improper and illegal sale of my home which I had and still do not have no money since they still have it and no time to fight or file a claim against them and they are proceeding with the sale of my home today although they admit fault to me on now 2 occasions verbally over the phone. I am contacting their attorney as soon as they open today to ask for reversal and reinstatement per PHH as of yesterday at XXXX XXXX. which lleft no time to reach the proper department with their attorney yesterday so I was up the first 4 days contacting everyone that i could and researching how and who can stop this and was referred to you by HUD and internet but was working with them believing they would or I could get 1 person to hear me and Please stop the sale of my home. I continue to speak to them but now know they arent going to stop it since its today and i have to tell their attorney what i want? Makes no sense but i will again comply and ask YOU and anyone who can help. To STOP THE SALE OF MY HOME THAT IS HAPPENING NOW THIS MORNING at XXXX XXXX. ( i think because my papers show different everything than yours so i dont know about time and date was given to me by an attorney friend who looked up my case and found several inconsistancies but I couldnt hire him it was solely for my information ) or my family will be homeless. This as I've been told by PHH ( and knowing myself ) is of no fault of my own but mishandling of EVERYTHING by PHH and is unjust and unfair, has caused much distress to me, my family, my health, and my marriage of 30 years, and could have been resolved within 5 minutes with a simple phone call and /or proper investigating within their own company which i could not obviously do myself and that was resolved within 2 weekdays by a different department i was transferred to this past Friday so please stop the sale of my home due to these facts and the fact that your attorney as i believe you know must talk to you to stop it not me ( although i will comply and call ) since they are your attorney and work for you to sue me for my home is the way i see it anyway not knowing any of the legalities of that but seems like a no brainer to me and feels like another stall tactic at this point and if this doesnt happen, the stopping of the sale I have 1 news station on standby waiting to go public with the information and proof I have and to contact the C.E.O. and let him know this as well if I have to thats how positive I am with my knowledge and proof that this process was completely illegal in many ways. Theres also the issue with the amount still owed is more than my origional amount to be paid on a 30 year fixed 5.25 % ( ibelieve ) FHA loan 21 years later with no refinancing or other mortgages ever taken out on it only 2 i believe possibly 3 loan modifications that I would like a breakdown of and explination ofwhy it remains more or as much as the day i purchased it so pkease help me stop the sale of my home giving me at least 60 days to now get 4 more months that are due then another 60 to pay the next 3 that will be due from that or at least stop sale and we can try this again since not my fault but PLZ DONT SELL MY HOME since i complied 100 % and their company is at fault this is happening not me.

Company response to consumer: Closed with explanation