Mortgage -- Struggling to pay mortgage -- Complaint #5567744
Complaint Overview
Complaint ID: 5567744
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
State: California
ZIP Code: 902XX
Date Received: 2022-05-16T12:00:00-05:00
Date Sent to Company: 2022-05-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been trying to receive a review for my loan modification since XXXX of 2022. Per your response to my previous complaint, you have said that my Request for Mortgage Assistance has been closed multiple times due to failure to submit documents on time. This is ABSOLUTELY untrue. I submitted my application with ALL of the required documents the very 1st time I submitted my application. The XXXX XXXX, XXXX. XXXX XXXX XXXX, has not even looked at my application or supporting documents as stated before because I have sent in pay stubs, bank statements, and letters of explanation for 5 months in a row now. Furthermore, PHH is disturbingly inaccurate in all information they are responding to th CFPB. For example, in the last response, they stated in writing the My account is represented by an attorney, which it is absolutely not, unless I am in foreclosure and my account was referred to an attorney on their behalf. In which case they have neglected to inform me of such proceedings in 5 months. Also, in their response to my complaint, they have stated that On XX/XX/2022, the XXXX was able to speak with XXXX at the XXXX XXXX XXXX XXXX XXXX and during this call. This also makes me extremely disturbed as I I have a 3rd party authorization on file for a XXXX XXXX at THE XXXX XXXX XXXX XXXX. If PHH can not bother to look at simple authorization form that I have sent in and analyze it correctly, then how can I expect them to accurately review the time sensitive, important documents that I am sending in month after month.PHH has also stated that the relationship XXXX has tried to contact my authorized 3rd party, which is also untrue. On a scheduled appointment call, a representative from XXXX called my 3rd party and stated that the Relationship XXXX is unavailable, and after XXXX minutes of my 3rd party being on hold, another representative said that the relationship XXXX is on another scheduled call and my time had passed. My 3rd party nor I have ever spoken to XXXX XXXX in the past 5 months, and as stated by PHH themselves she does not have a direct line to be reached at. I would like to be reviewed for a modification with the past 5 months of documentation that I have provided.
Frequently Asked Questions
What is Complaint #5567744 about?
Complaint #5567744 was filed against Ocwen Financial Corporation regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2022-05-16T12:00:00-05:00.
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.