Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
This is the XXXX complaint I filed against Ocwen ( first is Case number : XXXX which their response is in dispute ]. On XXXX/XXXX/15 @ XXXX, rec 'd a call from XXXX XXXX XXXX, Relationship Mgr.He stated docs were rec 'd but they were missing the confirmation for my food stamps.Expl that I just rec 'd a new XXXX & would be happy to send it to him & he said ok.He asked if I could fax it but I told him the prob I had last week trying to fax them & constantly got busy signals.He then asked me if I had a smart phone to which I told him no.Told him that I could email it to him but could n't do it until Wed the XXXX to which he said ok.He then asked me to hold on while he reviewed the docs and when he came back it was with a very hostile attitude ( which can be attested to by both my wife and daughter since he was on speaker phone ) .At that point he stated the I did n't have to send the document in due to the property being foreclosed on already on that date XXXX.Asked him numerous times what he meant and got the same response " it was foreclosed on today and that I did n't have to bother sending in the document '' .He gave me a phone number stating it was a real estate something or other ( could n't understand him due to language barrier ) .Upon Researching the # it comes up being attached to Real Estate Places, XXXX cust serv, not valid area code, invalid #, debt collector, loans, getting cc int rate lower, calls & hangs up etc.That was the end of the convo. They violated every PA Foreclosure Law i.e. not supplying us with an XXXX Notice giving us 30 days to pay arrearages, get consumer credit help ( they ca n't foreclose on property until supplying that notice per the attornies we spoke to ), They never went through the court system in PA to file foreclosure papers, and that had to be done in order to be served by the Sheriff 's Dept ( which they would have it on file and they do n't ), giving us a min of 30 days before ruling and 30 days prior to sale, they never sent anything registered or certified mail which they 're suppose to. We checked with the Sheriff 's Dept today XXXX XXXX this matter and they have absolutely nothing on record about the property being foreclosed on yesterday XXXX nor do they even have on record the supposed foreclosure date of XXXX that was stopped due to submitting loan mod papers and nor do they have anything on record of any foreclosure dates for the last 6 months, Foreclosures are also to be advertised in the newspaper after filing with the courts/Sheriff 's Dept and that was n't done either ( 30 days - XXXX consecutive Fridays ) .The attornies we spoke to all said that in order for Ocwen to foreclose, THEY MUST supply us with an XXXX notice ( giving us 30 days to either pay arrearages or get consumer credit help ) and they can not foreclose unless that is done and we also have to supply the attorney with it so the attorney can proceed.Ocwen does things the way they want to even if it means not doing it the legal way. Another note, yesterday XXXX, their website state that my prop was " real estate owned '' and today XXXX it states that my acct is delinquent and I should contact the Home Retention Dept for Help and ckg my Loan Mod status, both days stated that I need to " send in your documents '', Also stated that I would be receiving a letter telling which docs were missing ( still waiting ) .And the reason mortgage payments were missed was due to the fact that when we filed for loan modifications ( total of XXXX times ) over a period of 4 years, they REFUSE to take your regular monthly pmts while the docs are being reviewed. XXXX time it took 2 mths to get a response, another was 6 mths. It 's unfortunate that you ca n't speak to anybody in the United States because their customer service is based in XXXX.

Company response to consumer: Closed with explanation