Mortgage -- Struggling to pay mortgage -- Complaint #4905315
Complaint Overview
Complaint ID: 4905315
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
State: Colorado
ZIP Code: 80026
Date Received: 2021-11-12T12:00:00-05:00
Date Sent to Company: 2021-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/2021 I filed a Loan modification application with PHH Mortgage, I received an email within 10 days stating they received the application, after that I NEVER received a response, Nothing, I called several times and was told I could not apply for a modification because I am in Chapter XXXX bankruptcy, this in inaccurate and you can check with Bankruptcy court, YES you can file for a modification. I spoke with XXXX on the next call and she stated that I had to put in writing that I am not affected by Covid in order to be considered. After that call I called a HUD counselor, I spoke with XXXX XXXX on XX/XX/2021 and discussed PHH, prior to the call I received a letter from XXXX XXXX XXXX, they represent PHH and it stated I have a forbearance from XX/XX/2021 through XX/XX/2021, I never asked for this, I am asking for a modification so I can get caught up on payments. XXXX and discussed a plan and I have included her on emails t PHH. I forgot to mention that the first rep said they needed a letter from my attorney stating they could talk to me about my mortgage, the rep said they did not have it, it has been sent maybe 8 times by my attorney and also by me, I have attached the letter that I sent to PHH again last week, the letter states I can discuss all aspects of my loan. The rep said Oh, I found it in another folder. Today XXXX I called the escalation department has an email instructed me to do and I got the same rude representative named XXXX, she said I can not apply for a modification because of Bankruptcy and that I need to send a letter stating I am not impacted by Covid. She said she could not discuss with me and I stated that once again the Letter from the attorney is with PHH and states YES you can. She said she only sees a image and she can only discuss payments, I hung up before I let loose on her. This is outrageous, I am trapped from doing anything, I can not keep paying an attorney to address PHH. I am asking for a modification and need a response. PHH should have a lawsuit against them.
Frequently Asked Questions
What is Complaint #4905315 about?
Complaint #4905315 was filed against Ocwen Financial Corporation regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-11-12T12:00:00-05:00.
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.