Mortgage -- Trouble during payment process -- Complaint #5601218
Complaint Overview
Complaint ID: 5601218
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-Product: Reverse mortgage
Issue: Trouble during payment process
State: Maine
ZIP Code: 040XX
Date Received: 2022-05-25T12:00:00-05:00
Date Sent to Company: 2022-05-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have already submitted a complaint about this mortgage to the CFPB. It is Complaint Number XXXX. With that complaint, I sent to the CFPB a Notice of Error letter which I had sent to PHH Mortgage Services ( XXXX XXXXXXXX ) which included a Third Party Authorization signed by the Borrower in favor of me, XXXX XXXX XXXX, XXXX. Today I received from XXXX a letter dated XX/XX/XXXX and referencing " Regulatory Case XXXX. '' The letter states that PHH has " not received authorization from the account holder to provide specific information to you. '' This is false. PHH has received the third party authorization multiple times, and when I called PHH today, they admitted that they had it. The PHH representative to whom I spoke today, stated explicitly that this letter is not in the borrower 's file. She then tried to tell me that the XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, NJ shown on the PHH letterhead is not a PHH post office box address. The PHH letter comes from the " Office of Consumer Ombudsman, '' but when I asked the PHH representative on the phone today to connect me with that office, she told me that there was no such office. Then the PHH representative told me that the loan has been referred for foreclosure to the law firm of XXXXXXXX XXXX XXXXXXXX. The loan was put in COVID-19 forbearance on XX/XX/XXXX until XX/XX/XXXX. I was told by PHH in a telephone call on XX/XX/XXXX that a second six-month forbearance has been approved to go into effect on XX/XX/XXXX. It is wrong for for this loan to be referred to counsel for foreclosure while it is in forbearance.
Frequently Asked Questions
What is Complaint #5601218 about?
Complaint #5601218 was filed against Ocwen Financial Corporation regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-05-25T12:00:00-05:00.
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.