Consumer complaint received 2015-12-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen placed my condo up for a foreclosure auction sale on XXXX/XXXX/XXXX @ XXXX ( Monday ) with XXXX XXXX XXXX XXXX XXXX XXXX despite repeated requests for a reasonable loan mod. On the morning of Friday XXXX/XXXX/XXXX, I was forced to file bankruptcy ( BK ) in order to prevent to pending sale. The BK petition was filed at XXXX on XXXX/XXXX/XXXX. My lawyer XXXX from XXXX XXXX Law Firm reassured me that there was no way for OcwenXXXX to sell my condo once the BK had been accepted by the court and that any further attempts to do so would be illegal and display contempt for the BK court. 
Due to my multiple negative experiences with Ocwen in the past, I decided to check up on whether or not my property was still up for sale. So I contacted the sales office of XXXX, etc. later that afternoon at XXXX XXXX to make sure that they had been notified. Unfortunately, I found out that my property was still listed as being up for auction on XXXX and that Ocwen had not yet informed them about my BK filing. So I contacted the BK/Collections Dept. at Ocwen and was finally able to get through at XXXX XXXX and was once again routed to XXXX where I was informed that their department had not yet received official notification of my BK. I reiterated that I had filed BK and that Ocwen had to immediately cease and desist from any further attempts to sell off my property. The person on the other line was incapable of assisting me. 
So I contacted my BK attorney by Friday XXXX ( XXXX/XXXX/XXXX ) but he had gone to another firm for a meeting. So I left a message with his secretary letting him know that my condo was still up for sale at XXXX XXXX the following Monday morning. I then contacted XXXX XXXX from Ocwen 's Escalation Dept. since she was personally handling the foreclosure auction sale of my property with XXXX. I left a detailed message with her answering service at XXXX since her office in Florida was closed by then, letting her know that a BK had been filed to stop the sale of my condo and I also left my attorney 's name and phone number on her recording. I thought that I would now be safe. Wrong again. 
I called XXXX sales office repeatedly throughout the weekend to ascertain whether or not there was simply a time delay between my filing and their processing. However, XXXX refused to acknowledge my BK filing up until less than 1 hour before the auction sale on Monday XXXX/XXXX/XXXX @ XXXX. Ocwen 's BK dept. also refused to acknowledge my BK filing right up to less than 1 hour before the sale despite my repeated numerous frantic phone calls to them. 
I was finally able to get hold of my BK attorney by XXXX Monday morning and informed him that the auctioning of my condo was still going forward at XXXX XXXX. He was shocked by Ocwen 's obnoxiousness and illegal manueverings. I then gave him Ocwen 's Escalation specialist XXXX XXXX 's direct line since she had never returned my phone call or acknowledged my BK filing in spite of several attempts. I also gave him XXXX 's sales office phone in order to immediately stop the illegal sale of my condo. I finally received confirmation at XXXX that the sale had been stopped. 
This is the XXXX time that Ocwen has attempted to illegally sell my condo. On XXXX/XXXX/XXXX, in spite of the fact that I had wired the entire funds in arrears needed for full reinstatement directly to Ocwen 's account, their facade company XXXX Foreclosure attempted to continue to sell off my property within minutes of the auction time slot. I had to fax info to XXXX even though it was a subsidiary of Ocwen copies of my wire transfer. In addition I had to repeatedly call Ocwen to call XXXX back to inform them that they had received all of the stated needed funds. This is once again further proof that Ocwen continues to engage in illegal tactics and unethical corporate behaviors in spite repeated statements that it has finally changed.

Company response to consumer: Closed with explanation