Ocwen Loan Servicing Sent my home to foreclosure without notifying me first, even though I had made my payments West Palm Beach Florida

I was two months behind on my mortgage so at the beginning of the following month I sent a check for 3 months in order to catch up.  Two weeks went by and my check hadn't been cashed.  I received papers from an attorney that my house was being foreclosed on.

I called Ocwen to find out if they received my check and why I got foreclosure papers.  They told me that they couldn't accept my personal check since I was more than 2 months behind on my payments. They said they needed a certified or cashier's check to cover the payments.  I asked them if they sent me a letter telling me this and they said they only make an internal note of it and don't send letters to the homeowner.

I told them that i could send them a cashier's check the following day and asked if they would return my personal check.  They said they didn't do that either; they just shred the personal check.  I told them that I wasn't going to send a certified check unless they promised to send me back my personal check.  I spent over an hour on the phone with them.  They gave me a phone number that they said I would need to call if I wanted my personal check back.

The very next day, I got another call from Ocwen informing me that I was behind on my payments.  Before the rep could finish, I told her she needed to check her computer and see if there were notes in there that I had spoken to someone for over an hour just a day earlier.  After yelling at her for 15 minutes, she finally acknowledged that there were notes and she apologized for calling me.

The following week I got another call from them.  I had tracked my certified check and found that they did receive it.  I asked the person who called if they did receive it.  He said yes they did.  I asked him why he eas calling and he asked when I was going to send my next payment even though it isn't due for two more weeks. i told him they would receive it in plenty of time.  The very next day, they called again...I didn't answer the phone.