Consumer complaint received 2016-01-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB representatives and advocates, I qualified for and entered into a trial period plan with Ocwen Loan Servicing back in XXXX XXXX. There was some confusion as to what steps needed to be taken in order to satisfy the trial period plan so after making all three ( 3 ) required payments through XXXX XXXX, the trial period ended and no permanent loan modification was extended to me because Ocwen stated that I did not send back the loan documentation. To date, there is still {$3000.00} in payments sitting in a suspense account because although Ocwen refused to extend to me the permanent modification, they continued to accept my payments made on the trial period plan. 

On XXXX XXXX, XXXX, I contacted Ocwen Loan Servicing to discuss the status of the account and to find out what happened since I never heard from my relationship manager ( single point of contact ) and was unsure about the status of my mortgage loan account. An Ocwen Loan Servicing representative by the name of XXXX ( XXXX ID # XXXX ) in the relationship management department advised me on XXXX XXXX, XXXX, at approximately XXXX am that the documentation was not completed, which was why I was not extended a permanent modification. XXXX also advised me that the foreclosure was on hold and that I was eligible to reapply for mortgage assistance, as there was still time to do so. XXXX confirmed that there was no foreclosure sale date on my mortgage loan at that time and I explained that I would be completing and submitting a new application for mortgage assistance ( RMA ) as quickly as possible. 

I submitted a complete Request for Mortgage Assistance ( RMA ) on XXXX XXXX, XXXX, and received both the confirmation of submission on the XXXX ( see attached ) as well as a notice that I now had a foreclosure sale date scheduled for XXXX XXXX, XXXX, via email embedded in the RMA submission confirmation ( see attached ), which was a complete shock and surprise. I never received the required legal notices from the foreclosure attorney either, which I believe is a violation of my constitutional rights in addition to my consumer rights. 

Ocwen is now stating that since I did not submit my application until XXXX XXXX, XXXX, which is the date it was processed by Ocwen and not the date I submitted my application ( it was submitted on the XXXX ), that I did not meet the 7-day requirement ( I was never advised of the 7-day requirement until yesterday ) and therefore, my RMA application would not be reviewed or even considered. What a complete lie since I have proof of submission on XXXX XXXX, XXXX, which would meet the 7-day requirement not to mention the fact that Ocwen placed the foreclosure sale date on my mortgage account the day after I advised that I would be resubmitting a new RMA and within 30 days of the foreclosure sale date ( I contacted Ocwen to advise of the forthcoming RMA on XXXX/XXXX/XXXX and the foreclosure sale date was placed on the account on XXXX/XXXX/XXXX ). 

It is my understanding that Ocwen Loan Servicing has some ongoing issues with compliance and specifically, with account holders in the California area. Please help me to stay the foreclosure sale so that my application can be fairly reviewed and so that I can have an opportunity to save my primary residence and family home. Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation