Mortgage -- Struggling to pay mortgage -- Complaint #11391409
Complaint Overview
Complaint ID: 11391409
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief
State: Florida
ZIP Code: XXXXX
Date Received: 2025-01-05T12:00:00-05:00
Date Sent to Company: 2025-01-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
This is a formal complaint against PHH, following receipt of correspondence dated XX/XX/year>, received by my person, via USPS, on XX/XX/XXXX and to which I am submitting this response/refutal, the basis of this complaint. The reason for the response/refutal is that said correspondence includes continued, on the part of PHH, misrepresentation of facts, inaccuracies and misleading information, all to the detriment of my person, the borrower, and family. I thank you for the time you spent in responding, well over a month, however, the source ( s ) that provided you with information is/are void of verifiable facts and objectivity. This response is consistent and supports prior borrower responses and submissions. This response/refutal clearly presents the facts, all supported by PHH Mortgage Services-generated/issued ( PHH ) documents, all that unquestionably place the responsibility of this situation squarely on PHH, following their violation of notification requirements as required by its own, state and national laws and regulations governing mortgage servicers and further compounding the situation by treating it as if it was the borrowers fault, attempting to free itself from its self-imposed liability and errors. PHH has acknowledged, in writing, in its XX/XX/year> correspondence, that it clearly violated and did not comply with its Temporary Hardship Forebearance Plan Agreement, stating, We acknowledge that no call-out attempts were made to contact the borrower before the end of the plan. Further, PHHs attempt to disengage from its acknowledgement of violation and non-compliance by referencing a XX/XX/year>XXXX correspondence, is disingenuous and totally misleading as the referenced correspondence was mailed to a third-party that is not a party to the account/mortgage and not personally liable for the same.
Frequently Asked Questions
What is Complaint #11391409 about?
Complaint #11391409 was filed against Ocwen Financial Corporation regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-01-05T12:00:00-05:00.
How did Ocwen Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Ocwen Financial Corporation?
Yes, visit the Ocwen Financial Corporation company profile at readthecomplaint.com/company/ocwen-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.