OCWEN FINANCIAL CORPORATION

2019-09-25

Staten Island, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-24

Bohemia, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: This home is a part of an Estate, the loan is serviced by Ocwen Loan servicing. After the death of the owner XXXX XXXX XXXX, XXXX XXXX, XXXX. The grandson after there were other Administrators, became the responsible person for this loan and has worked with Ocwen and made payments to Ocwen Loan servicing for XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX XXXX made the payments on the first modification dated XX/XX/XXXX ... All payments were made and they returned the payment that was sent by XXXX XXXX and then offered another modification on XX/XX/XXXX after they returned one of the payments from the first modification. They kept all of the other payments. No one knows what they have done with all of those payments. We have tried to talk to PHH that is now servicing the loan, they don't want to hear anything. They claimed they sent correspondence to an address that has nothing to do with this loan. When we tried to apply for help, first they told us to send in a loan modification package with all of the proofs we did, then after we sent in everything they told us the loan had to be assumed. We had to fill out the Application Identification Certificate, then we had To fill out the Family Transfer Package, Then we had to send The newly executed Deed and a picture with the date of birth. We went though all of that to be changed to PHH, where they absolutely do not try and help they had no knowledge of all that had been done and they really don't care. We have asked for supervisors or someone that we could talk to about this Loan no one has helped. There is a sale date for this home on XX/XX/XXXX. Please help, no one was notified about the sale, we found out about the sale from people coming by the house. After the transfer from Ocwen to PHH, every time we called there was an issue, the file had not been ported to the new system, then they told us that the account had a new new with PHH, we had to wait from the time the loan was c hanged to PHH an Ocwen company until XX/XX/XXXX before anyone to speak to us and the loan number was the same.
Company Response: Closed with explanation

Timely Response

2019-09-24

Jamaica, NY

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-09-24

Groton, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: We have requested to see the original note after numerous applications for a loan modification that is continually denied due to '' best available terms. ". No explanation is ever provided why they are best terms. The interest is higher than the current interest rate for more than 4 years,. We were refused access to seeing the note because they stated it is " an undue burden ''. Their attorney XXXX XXXX XXXX also ignored our numerous email requests and request by certified letters to PHH. XXXX XXXX XXXXXXXX has now scheduled a foreclosure for XX/XX/XXXX with notice given on XX/XX/2019. This is a violation of notification.
Company Response: Closed with explanation

Timely Response

2019-09-24

NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-24

Tarzana, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 4TH COMPLAINT AGAINST PHH MORTGAGE SERVICES Previous complaint # XXXX It is truly appalling to see the disgusting corruption, lack of attention and downright negligence and ignorance on the part of OCWEN/PHH Mortgage. They knew that my loan was going to be sold as evidenced by their letter dated XX/XX/19 ( attached ) so they moved forward with subjecting us to their lies and additional process so that we could not access the insurance funds required to pay for repairs on my home. Now, they can further delay repairs for over 30 days!!!!!! Today, our area is in a state of " fire warnings? '' My home still has broken windows, but it is apparently okay for Ocwen/PHH to get away with their inept and incompetent responses. THEY APPROVED IN WRITING AN EXCEPTION! WHY IS THE CFPB DOING NOTHING ABOUT THIS SITUATION?
Company Response: Closed with explanation

Timely Response

2019-09-24

Wallington, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-24

Matoaca, VA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-09-24

Struggling to pay mortgage

Mortgage: Reverse mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-24

Staten Island, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I got behind on my mortgage after I incurred unforeseen expenses in helping my ill, elderly motmy to relocate from storm-ravaged XXXX XXXX and move in with me. After I was sued in foreclosure, I applied for a mortgage modification and was offered a trial streamline modification from my former servicer, Ocwen. I timely made the first payment in XX/XX/2019. The servicing of my loan was transferred from Ocwen to PHH/XXXX close in time to the commencement of my trial plan. In early XX/XX/2019, I called PHH/XXXX to make my timely second trial payment. I stated that I wanted to make a payment in the amount stated on my trial offer as the required monthly trial payment : {$1300.00}. Instead, however, the representative with whom I spoke insisted that the required payment was less than the amount stated on the trial offer, and even though I was worried and reluctant, I believed that the representative had superior information and followed his instruction to make the lesser payment. My apprehension later proved to be warranted when I called PHH/XXXX to make my timely third trial payment in XX/XX/2019 and was told that I had been kicked out of my trial plan because my XXXX payment was insufficient. I explained to the PHH/XXXX XXXX employee that I had made the payment that I was instructed by PHH to make, and even asked that PHH/XXXX XXXX listen to a recording of the call if one had been made and retained so that PHH/XXXX XXXX could see that the error was on PHH/XXXX XXXX XXXX part. PHH/XXXX XXXX agreed to investigate. Increasingly worried that I might lose my house despite being offered a trial modification and complying with my servicers instructions, I called PHH/XXXX XXXX several times in XXXX and XXXX to find out the results of its investigation. Finally, on or about XX/XX/2019, PHH/XXXX XXXX informed me over the phone that PHH/XXXX XXXX had listened to the tape of my call in early XXXX to make my trial payment, and that I had accurately described the events : I had tried to make the correct payment, and the PHH/XXXX XXXX employee had insisted on collecting a lesser payment. Upon making that determination, PHH/XXXX XXXX directed me to make a payment representing trial payments for XXXX and XXXX, as well as the difference between the correct trial payment for XXXX and the payment that the PHH/XXXX XXXX employee had insisted upon. The total amount of the payment required by PHH/XXXX XXXX was {$2700.00}. PHH/XXXX XXXX told me that in order to restore my trial modification, the payment must be received by PHH/XXXX XXXX no later than XX/XX/2019. On XX/XX/2019, I sent a check for {$2700.00} to PHH/XXXX via USPS Express Mail to the XXXX, Pennsylvania address provided to me over the phone. When I tracked the delivery, I saw that it had been delivered to the post office in XXXX, Pennsylvania at XXXX XXXX on XX/XX/2019. I called PHH/XXXX promptly thereafter to confirm delivery, but a representative told me that the payment had not been received. I called repeatedly thereafter, but each time, PHH/XXXX told me that my payment had not been received. I called the post office in XXXX and was told by a USPS employee that the package had been deposited into the PHH/XXXX post office box and there was nothing further that the USPS could do to cause PHH/XXXX to collect the package. I pleaded with PHH/XXXX to accept a phone payment from me, becausefor reasons that were not then and still are not clearPHH/XXXX had not looked for the package I had sent, much less applied my payments. On or about Friday, XX/XX/2019, I and my advocate from XXXX XXXX XXXX XXXX telephoned PHH/XXXX. During that lengthy call, my advocate and I had to summarize all of the foregoing for the PHH/XXXX representative, who initially saw only the old notes about the insufficient XXXX trial payment and was unaware that that dispute had been resolved in my favor. I told the PHH/XXXX employee ( who identified himself as XXXX, employee # XXXX ) the address I had sent the check to, and the employee conceded that I had sent my payment to the correct address. He indicated that he would send a message to the mail room instructing them to check the post office box for my payment. At that point, he said, either the payment would be applied and I would then be asked to make another trial payment for XXXX ; or the payment would be returned to me and I would be asked to make one payment representing the shortage of the XXXX trial payment plus trial payments for XXXX, XXXX, and XXXX. We were encouraged to call back the following Tuesday to follow up. When I asked if I could simply resolve the matter by making the full payment over the phone, the PHH/XXXX representative said it was not possible. My advocate at XXXX XXXX XXXX XXXX called PHH/XXXX on or about Tuesday, XX/XX/XXXX, and was told that PHH/XXXX was still investigating. The representative suggested calling back on Friday. My advocate at XXXX XXXX XXXX XXXX called PHH/XXXX on or about Friday, XX/XX/XXXX, and was told by employee XXXX that PHH/XXXX is still looking for my payment and meanwhile the mod is still canceled and " may not be '' revived. My advocate asked to be transferred to a supervisor. Once connected to a supervisor ( employee XXXX ), my advocate had to explain the entire issue once again to him. After putting the call on a lengthy hold, the supervisor returned to the call and said that trial modification can not be reinstated until the payment is posted and PHH/XXXX is still looking for it. The supervisor said he had put in an " escalated '' inquiry to track the payment. Since last Friday, I have had no updates on PHH/XXXX supposed efforts to find my payment.
Company Response: Closed with explanation

Timely Response

2019-09-24

Atwater, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-24

Carmel, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-24

Jupiter, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: The borrower missed the first payment on the loan in 2019. The property was under contract in XXXX, scheduled to close in XXXX, 2019. The lender assured the owner that they would not proceed with foreclosure proceedings as they knew it was scheduled to close early XXXX, 2019. The owner tried for over 20 days to get a payoff statement from the attorney representing the current loan servicer/investor but no success due to XXXX XXXX not cooperating. The property closed on XX/XX/XXXX and the title company has sufficient funds to payoff the loan from the sales proceeds but they have not been able to get a payoff statement. The seller has tried to get the law firm to provide a payoff statement but it has been one excuse after another and they have been very difficult to deal with. I am asking for you help as the new owner is very concerned that the lender will not provide a Satisfaction of Mortgage and Dismissal of Lis Pendens, even though it was filed two days before closing and they knew the loan was being paid off.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Brightwood, NC

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Dallas, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Gloucester City, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I received mail correspondence from PHH Mortgage Services on XX/XX/2019 enclosed with a notice regarding 'what does a company do with your personal information? ' On the lead mailing addressee sheet that was enclosed with the notice there is a 3rd party name in the addressee in addition to my name and my wife 's name. On XX/XX/2019 I attempted to resolve this issue with PHH Mortgage Services escalation department in the XXXX and XXXX XXXX, NJ as to why the 3rd party name is in the addressee for the documents sent to us. I have been put on hold for over an hour and a half with the PHH escalation department in XXXX XXXX, NJ only to have to leave my phone number to have them call me back. I have received no call from PHH to explain why there is a 3rd party name on the addressed documents. The 3rd party name on the addressee document is a known acquaintance to my wife and myself.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Lewisville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: THIS IS THE SECOND COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and XXXX to make PHH adhere. PHH can not arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Philadelphia, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-23

Kissimmee, FL

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Blairstown, IA

Trouble during payment process

Mortgage: VA mortgage

Complaint: I have a VA loan. Has changed holders 3-4 times in the year we have had it. During the last transfer there was a lost payment. The company PHH mortgage withdrew the XXXX 2019 payment on XX/XX/XXXX. The loan was transferred to the new company XXXX XXXX around XX/XX/XXXX or so The XXXX payment has not been credited yet I have called PHH three times. During each call they first tell me that they rejected the payment. Then after conferring with a supervisor they say the payment was sent to the new company They have not provided any documentation supporting this and they tell me they will call me back with information which they have yet to to My account is listed a past due with the new company. I went and paid an extra payment to make my account current but I am still out a full payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2019-09-23

Chicago, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Working with a HUD certified housing agency, a loss mitigation application was submitted to PHH Mortgage through the HOPE Loan Portal on XX/XX/XXXX. As of today, XX/XX/XXXX, the file has not been reviewed by PHH mortgage. Meanwhile, PHH continues to move towards foreclosure.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Kingstree, SC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: For the last 3 months, I have received a bill stating that I owe {$1300.00} and I have mailed in the payments in the form of certified check and send the payments certified with a signature to show the payments were received. Well with that being said PHH Mortgage states we are behind and we aren't. We are also in bankruptcy and we wouldn't be late because the company would foreclose on us. Our loan was changed over from Ocwen to PHH Mortgage and now it's saying our mortgage is with XXXX how confusing is this. A company that can't get their act together and has so many complaints against them but trying to mess a homeowner out of their home they have been paying for. Also, stating that a home that is only valued at {$24000.00} and the company pulls up these fake sites stating that the homes in my area are worth anywhere from {$50000.00} to {$250000.00} there isn't a home in my area that is worth that amount. Even the home next door with a tree that has grown through the roof and no one lives in the home because of its a run-down home with termites and all its not livable. But PHH Mortgage claims the home next door is worth {$46000.00} not possible at all. The area we live in is nothing but a run-down drug area and it's sad this company is trying to make something off people who are poor and struggle every day to pay for something that isn't worth nothing more than the value that the county states. It really upset me with all the mortgage companies being able to rip people off as they do. This company really seems like a scam without a doubt. I will be contacting a lawyer with this issue I'm sure I have a lawsuit. Also, our payments use to be {$400.00} and then they went up to {$440.00} and it wasn't supposed to stay at that but they have been getting an extra {$40.00} in a payment every month without anything showing where this is going. Bad enough Ocwen put us through XXXX now PHH Mortgage is doing the very same thing. I see that PHH Mortgage has had many lawsuits over the years. This started with Ocwen in XX/XX/XXXX and continued to be an issue this whole time. Now that my account was sold over to PHH Mortgage or XXXX in XX/XX/XXXX that is when the issues got worse to the point of them stating I'm late on my payments and not adding the payments that have been made and weren't late. I send all my payments with a certified check and a certified delivery with a Signature required so I know they got it. Before when I would call in it would say PHH Mortgage now when you call-in it says XXXX WHAT?? What kinda scam am I dealing with here nothing is right with this picture.
Company Response: Closed with explanation

Timely Response

2019-09-23

Hartsville, SC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-22

Hialeah, FL

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response