Consumer complaint received 2015-12-17
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, we started getting behind on our mortgage payment due to a change in job status. We contacted Ocwen via mail to let them know we would be getting caught up as soon as possible. We also contacted them via phone. In XXXX, my husband contacted them by phone to discuss how to make the payments to bring the loan up to date because they were n't cashing the checks we had mailed to get everything caught up. Ocwen instructed us to make a payment of XXXX through XXXX as they would not accept regular checks until our account was current. However, when we logged into XXXX, XXXX only allows for XXXX per day to be sent. As a result, we sent XXXX through XXXX and mailed a money order of XXXX to Ocwen. The XXXX payment cleared our checking account and XXXX showed the payment as received by Ocwen. As far as we knew, our mortgage was caught up and we did n't need to make payments again until XXXX. Since it was believed to be caught up, we mailed a regular check payment into Ocwen for XXXX. 

On XXXX XXXX, we received a delinquency notice from Ocwen stating that we should pay XXXX in order to bring our loan " current ''. It had one sentence in the notice that said the first filing of foreclosure had been completed. After receiving the notice, I sat down and went through our checking account to find where the payment sent by XXXX had cleared our account as well as any other check payments made to Ocwen in XXXX. Believing there was a mistake in posting the payments to our account, I contacted Ocwen within 3 business days of receiving the delinquency notice to discuss getting the payments posted to our account. After spending most of the day on the phone being bounced around, I was told there was no mistake and Ocwen had declined our payments because the payments were n't sent in a single payment through XXXX. Keep in mind, they instructed us to use XXXX and we have no control over the daily send limit, we simply mailed the remainder of XXXX to Ocwen via money order. While I was on the phone, I told Ocwen that we had the money in our account to pay in full and get everything taken care of. After several hours, I got an attorney 's name out of Ocwen and contacted the attorney to get things straightened out. The attorney representing Ocwen told me that the house went to auction the day before and went back to Ocwen. When I called the listing agent Ocwen said had the house listed, they told me there was no listing or pending listing for the house. BOTH the lawyer and the listing agent instructed me to contact Ocwen to get things straightened out, which I did, but Ocwen would not take payment in full or work things out. They told me it was too late. 

The only " notice '' of foreclosure that we received was one sentence in a delinquency notice that came in the mail less than 5 days before our house went to auction. No legal documentation or certified mail was delivered either to our current address or the address of the property on this loan. We 've had this loan for years and never been behind before. My husband is a XXXX Vet who has taken a job XXXX in order to get our loans caught up and get us back on track. However, Ocwen has done everything they can to reject payments and be misleading even though they knew we wanted to keep the house. They 've even went as far as to say they have n't received documents that we expressed mailed/ delivery confirmation on. 

We also have another mortgage through XXXX on a separate property. We got behind on that loan as well. However, the difference was that XXXX was clear in communicating and offered repayment options, open communication, and willingness to help us get our loan current. IT IS NOW CURRENT. Our loan with Ocwen would be as well if they had communicated with us.

Company response to consumer: Closed with explanation