Consumer complaint received 2022-06-09
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There are two reasons for this complaint, one of them being that my house was sold in an illegal sale when we were protected by the FEDERAL automatic stay.. Second PHH purposely sabotaged my loan modification.My house was approved for a loan modification in XXXX. Please see attached records of each and every time I called PHH When I called in on XX/XX/XXXX I wanted to make sure PHH had all my correct information such as phone numbers and emails. I was advised I had {$150.00} credit. On XX/XX/XXXX I talked to agent XXXX XXXX and i was told again I have {$150.00} credit. I asked how, she didnt know, would put it in request to find out, but I was told to pay {$610.00} for my month of XXXX loan modification. On XX/XX/XXXX I called again to confirm the {$150.00} credit again I talked to my single point of contact agent XXXX XXXX, she confirmed again to make the trial payment minus the XXXX credit so I did! Please see attached proof of payment! 
XX/XX/XXXX I made my appointment for pH H to confirm that they received my payment they said they did not. I called back with the tracking number XXXX they told me it was there. 
XX/XX/XXXX I called again to confirm the payment was accepted.It was. 
XXXX called to confirm payment for XXXX was to be XXXX. I spoke to XXXX XXXX XXXXpayment received was advised that after the XXXX payment they would send out the modification finalized. 
XX/XX/XXXX I received a letter I was denied for failing to make payments within the timeframe. 
Was I never advised that the payment was incorrect? How can you guys set me up for failure like this. Why was I told the first payment was the correct payment amount when it was not! I was given bad info that has cost me my home!!!!??? 
I was never advise that the payment was incorrect. Ive been trying to rectify the situation with no help. I had no choice but to file for bankruptcy. You guys still sold my house. 
On XX/XX/XXXX I called the floor closing attorney XXXX and they said the sale date was canceled due to XXXX. 
On XXXX I called back to see what was going on as PHH now is saying my home sold!!! I was trying to get info on my modification situation but they did nothing but run me in circles. 
XXXX The girl at the law office XXXX said the home was sold. I asked how after they told me the sale was canceled on the XXXX! She said that they are waiting for instructions from phh, but that the home will be rescinded. Regardless, I left a message for the attorney to call me back he never did!!!!!.. At this point its been made very clear that PHH wants my house. Ive been trying to get through for help and have been speaking with a supervisor by the name of XXXX XXXX. His direct phone number is XXXX. He stated that he would assist me on this recession matter. 
Yesterday XXXX he called me to say that the decision is final and the house is being filed. He told me to call the attorney directly because he cant do anything else at this time. He said to ask for XXXX or XXXX. By the time I finally got someone to help me it is now too late! 
Why for all these weeks has anybody refused to answer any questions about how my household was when I called literally the next day and you guys told me it was canceled due to the bankruptcy you guys were very well made aware that a bankruptcy was filed. 
My bk was filed XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX I called the attorney 's office XXXX a number of times and the staff terminated the calls on me. I called back and spoke to XXXX  who said XXXX is the only XXXX attorney there and he is the only one who can help. Phh is refusing to speak to me as they are saying nothing but XXXX. The only one who did anything for me there was XXXX. The attorney have never returned my call nor attempted to explain to me what is going on. I will be filing a complaint with the state bar. 
I am demanding that all my documents be reviewed, all calls replayed as they are monitored, my home back, and my modification back! IT IS ILLEGAL WHAT YOU HAVE DONE TO ME!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation