Consumer complaint received 2020-06-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was wrongfully foreclosed upon, admittedly by the Mortgage Company. They attempted to rescind the foreclosure. OnXX/XX/XXXX, I received the following email " the sale rescission process on the account has been denied. Hence the modification will not be completed. Any payments received for modification will be returned '' Below are a list of events :XX/XX/XXXX - Submitted Mortgage Modification Application. 
XX/XX/XXXX - Rejected Modified payment amounts due to un-affordable, submitted Mortgage Mod. app. 
XX/XX/XXXX - Rejected Modified payment amounts due to more un-affordable ( higher hazard Ins. premium, because of claim filed due to damage from Hurricane Irma ) XX/XX/XXXX - Secured lower hazard premium, submitted Modification Application. 
XX/XX/XXXX - Ocwen received refund check of {$8800.00} from cancelled higher insurance premium.XX/XX/XXXX - Rejected Modified payment amounts due to lower hazard ins. premium not considered, submitted Modification Application. 
XX/XX/XXXX - Accepted Modification trial payments.

XX/XX/XXXX - ACH first trial payments XXXX and XXXX XX/XX/XXXX - ACH 2nd trial payments XXXX and XXXX XX/XX/XXXX - ACH 3rd trial payments XXXX and XXXX XX/XX/XXXX - requested sole assumption of loanXX/XX/XXXXXX/XX/XXXX - received denial of loan assumption XX/XX/XXXX - returned signed modification agreement in return envelope provided ( received on XX/XX/XXXX ), due XX/XX/XXXX XX/XX/XXXX - submitted signed notarized Mortgage Modification agreement in return envelope provided.

XX/XX/XXXX - returned signed modification agreement in return envelope provided ( received on XX/XX/XXXX ), due XX/XX/XXXX.

XX/XX/XXXX - returned signed modification agreement in return envelope provide ( received on XX/XX/XXXX ), due XX/XX/XXXX. 
XX/XX/XXXX - XX/XX/XXXX - email sent to PHH XX/XX/XXXX ( names removed ) " I disagree with the reason for non-approval of modification of loans listed above. I have returned the modification acceptance documents immediately each time received. [ former spouse 's name ] is my former spouse, divorced since XX/XX/XXXX, I have no contact with him and can not obtain his signature on the acceptance documents. 

Your dis-approval of modification is because I returned the signed by myself notarized acceptance documents immediately upon receipt and without his signature. 

You approved [ my name ] to pay the amounts of {$1600.00} and {$82.00}, based solely upon my financial information and I gladly accepted these amounts. You then disapproved [ my name ] to pay the amounts listed above because my former spouse from whom Ive been divorced since XX/XX/XXXX did not sign the agreement. 

I would like to remain in my home, and would like to know what I can do to achieve this. '' XXXX Sole assumption of mortgage loans granted for first mortgage account number ending XXXX. 
XXXX Modification Appeal Review complete, PHH acknowledged an error to deny modification, recommend foreclosure rescinded for account number ending XXXX. 
XXXX Modification Approved {$2100.00} to begin XXXX ( 1st mortgage acct. ending XXXX ) XXXX - Modification Appeal Review complete, Modification approved, foreclosure rescind pending signed accepted modification agreement and 3 trial payments each {$2100.00} ( 1st mortgage ending XXXX ) XXXX - check # XXXX - XXXX, check # XXXX - XXXX, check # XXXX - XXXX XXXX Permanent Modification approval ( 2nd mortgage acct. ending XXXX ) XXXX Modification Approved, on hold ( citing foreclosure XXXX XX/XX/XXXX ) XXXX - check # XXXX - XXXX, check # XXXX - XXXX XXXX - check # XXXX - XXXX XXXX - received returned check # XXXX XXXX ( forgot to date ). 
XXXX - called PHH spoke with MsXXXX XXXX ( Specialized ) who requested a call back from XXXX XXXX who is assigned to account ending XXXX. 
XXXX - received a call from XXXX XXXX, he stated that he would request a refund of the 2 trial payments for account ending in XXXX received after the foreclosure sale. I requested a refund of the previous 3 trail payments since this was the second set of trial payments from the Mortgage XXXX Application I submitted XXXX, he said he would put in a request for a refund of these three payments previous to the foreclosure. I also requested a refund of the the 6 trial payments and XXXX for the mortgage ending in XXXX, he said he would request a call back from the representative assigned to that account. 
XXXX - received a call XXXX XXXX - representative assigned to account ending in XXXX, requested a refund of 6 trial payments plus XXXX. XXXX said she would request these payments.

Company response to consumer: Closed with explanation