Mortgage -- Struggling to pay mortgage -- Complaint #4653162
Complaint Overview
Complaint ID: 4653162
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: Oklahoma
ZIP Code: 74012
Date Received: 2021-08-22T12:00:00-05:00
Date Sent to Company: 2021-08-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
From XX/XX/XXXX we were unable to pay mortgage payments due to a severe injury to my leg. I lost my job as a XXXX because I was temporarily XXXX and in a XXXX. I applied for COVID-19 relief due to my severe illness. In XXXX XXXX I was able to become fully employed again after being out of work since XXXX XXXX because of my injuries and subsequent illnesses. Started working on a loan modification with PHH Mortgage in XX/XX/XXXX. They have made this process impossible due to lack of access to people that are able to help with this process. PHH claims every time you call that you didnt send paperwork ( all paperwork was sent via email, we have these ), didnt fill out a small detail, ( this had been given on previous occasions ), it wasnt there on time ( when it was sent the day it was requested ), now they claim I dont occupy the house, ( have lived in this home for 20 years and is my primary residence ). This company has no intention on fixing this situation when we have the income now and the means to easily stay in this home. They want to foreclose on this home and will not communicate any terms or modifications with us so we can resolve this problem for over 8 months. They send a letter with a request for more paperwork and it arrives so long after the fact that they tell us we have to start all over. Even when we have sent the information and called them to update any needs. All calls are answered in XXXX with severe language barriers and no one knows what is happening because it is never the same individual, they just tell you to call back in a week and they have done nothing. We owed {$180000.00} on this home when this started. We have no access to any records on this home now as they have removed all access to our loan. This company is the most fraudulent company I have ever dealt with in my lifetime. They have been sued over and over again for these practices and no one will help homeowners!!! This company does not deserve to be in business, they are hurt so many people that are unable to fight for themselves.
Frequently Asked Questions
What is Complaint #4653162 about?
Complaint #4653162 was filed against Ocwen Financial Corporation regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-08-22T12:00:00-05:00.
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.