Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am writing on behalf of the estate of XXXX XXXX, for which I serve as the appointed Executor. I would like to formally bring to your attention a serious concern regarding the recent trustee sale of the property located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which was sold at auction on XX/XX/scrub>XXXX 

Upon review of the foreclosure documentation, I have discovered that the Notice of Default ( XXXX ) which initiated the foreclosure process had expired prior to the recording of the Notice of Sale ( XXXX ) and the subsequent trustee sale. Under California law, specifically XXXX XXXX, a Notice of Default that has expired ( due to the one-year period passing without a foreclosure sale ) requires refiling before the sale can proceed. Based on my understanding, the XXXX associated with this foreclosure was not refiled. 

As a result, I respectfully request that your office review the status of the foreclosure sale, as it appears that the sale XXXX have been conducted in violation of XXXX foreclosure procedures. Specifically, the trustee sale appears to have been based on an expired XXXX  which would render the sale invalid. 

I would appreciate your prompt attention to this matter. I request that you provide me with the following information at your earliest convenience : 1. Confirmation of the foreclosure process, including the date the XXXX  was originally filed, and whether it was refiled in compliance with applicable law.

2. A copy of the Notice of Default and Notice of Sale records to verify the validity of the sale.

3. Any actions you are willing to take to resolve this issue, including the possibility of rescinding the trustee sale or providing alternatives for the estate. 

Please be advised that I am seeking legal counsel regarding this issue and will pursue any necessary legal action to protect the interests of the estate. I look forward to your prompt response and hope we can work together to resolve this matter amicably and in accordance with the law. 
Thank you for your attention to this important issue. I look forward to hearing from you soon. 
I would appreciate your prompt attention to this matter. I request that you provide me with the following information at your earliest convenience : 1. Confirmation of the foreclosure process, including the date the XXXX  was originally filed, and whether it was refiled in compliance with applicable law.

2. A copy of the Notice of Default and Notice of Sale records to verify the validity of the sale.

3. Any actions you are willing to take to resolve this issue, including the possibility of rescinding the trustee sale or providing alternatives for the estate. 
Please be advised that I am seeking legal counsel regarding this issue and will pursue any necessary legal action to protect the interests of the estate. I look forward to your prompt response and hope we can work together to resolve this matter amicably and in accordance with the law. 
Thank you for your attention to this important issue. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation