Consumer complaint received 2023-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
On XX/XX/XXXX, PHH Mortgage Services Foreclosed on our home. Under State of Wisconsin Law, the sale in a foreclosure is not finalized for I believe 5 or 7 days after the sale. We filed XXXX XXXX Bankruptcy through XXXX XXXX XXXX XXXX in XXXX Wisconsin on XX/XX/XXXX. On XX/XX/XXXX a letter from Atty XXXX XXXX, re : filing of XXXX  XXXX Bankruptcy by defendants & request the court not sign the proposed Order Confirming Sale was filed. 

The court never signed the Order Confirming Sale. 

Since then, we have discovered that the Mortgage Co is claiming REO status of the property. 

This discovery came about because in the months of XXXX and XX/XX/XXXX, when a third-party Company was sending people to our home and property to verify occupancy. At times one of those such people even tried to force entry into our home while my wife was refusing entry, resulting in a XXXX call being made to our local XXXX Police Department . During that time frame, several other emergency and non-emergency calls were made to the Police Department in relations to these inspectors being spotted on or near our property. Video evidence and copies of these complaints were sent to the Mortgage Co attorneys, and for the most part we believe they have stopped. It was at that time the REO status was discovered. 

Since then, we have had our attorneys make several attempts to have the REO status corrected. 

Our attorneys have also reached out to their attorneys regarding our request to have a hardcopy, written monthly mortgage statement mailed to our house to no avail. It got to the point that we contacted the State of Wisconsin Banking Commissioners office regarding their refusal to send the statements. They did eventually send statements but only for 4 months ( XX/XX/XXXX - XX/XX/XXXX ). Since then, we have not received any more statements. Also, if we go to their website, those are the only statements available to be viewed. They are not producing any statements even on-line. 

They also according to their website, they have not provided any form 1098 tax forms since XX/XX/XXXX. So that means they aren't providing us with any 1098 forms for 2 years. I believe this is a violation of Federal IRS Tax Laws. 

Not only our attorney, but we have also reached out several times ( both online and via phone calls ) requesting this information. Every time we personally reach out, we are told they aren't required to provide the requested information because of the REO status. They never responded to any of our emails. The only time we received answers have been when we have called in. 

In XXXX we applied for a program called Wisconsin Help for Homeowners. This program is a State of Wisconsin program that was designed to help homeowners get caught up in behind mortgage payments as part of a program created by the Federal Government as part of Covid 19 relief. This program would provide a grant for up to {$40000.00} sent directly to mortgage companies. 

Our application was picked up by an organization called XXXX and assigned to a lady named XXXX XXXX. Her contact info is listed below : XXXX XXXX XXXX XXXX cell : XXXX office : XXXX XXXX Over several months XXXX reached out to PHH requesting information to process our application. She has been met with nothing but stonewalling by PHH. At one point they requested a letter from our Bankruptcy Court granting them permission to proceed with working with her. Both XXXX and our attorney provided the requested letter for them. They keep claiming the REO status as reason not to work with the program. 

The mortgage company has been provided with a copy of the current deed to the property as given by the XXXX XXXX Government. They have also been provided with a copy of a Warranty Deed Search that was performed by XXXX  XXXX XXXX XXXX , XXXX on XX/XX/XXXX, proving they do not own the property. 

They have ignored us, our attorneys, and XXXX XXXX on SEVERAL occasions and seem to not even be trying to cooperate with any of us. 

Also, our credit reports falsely show our mortgage as being paid off, causing inaccurate credit scores. We would like this to be corrected for both my wife and I.

Company response to consumer: Closed with explanation