Consumer complaint received 2020-08-29
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to resolve the issue, I spoke with XXXX on XX/XX/XXXX, XXXX with then Ocwen Mortgage Company and now PHH Mortgage Company . I have been constantly lied to and deceived by Ocwen Mortgage Company and PHH Mortgage Company. I inquired about a Loan Modification, I was told that I did not qualify for a Loan Modification. I was told that I did not qualify for a Loan Modification, over the phone, this was my first time inquiry about a Loan Modification. I happen to attend a free legal Clinic, I Told them what Ocwen Mortgage Company and PHH Mortgage Company had told me. I was told that, they were not telling me the truth. The Attorney for the Legal Clinic contacted Ocwen, it was then, that they sent the Loan Modification Packet, it was faxed, the Attorney helped me fill out the Packet, the same day that they faxed the packet. However, about three weeks later, my neighbor saw that our house was being Foreclosed on. I immediately called Ocwen Mortgage Company, and  XXXX told me that I had filled out the Packet wrong and that the Foreclosure Process could not and would not be stopped. 
I was devastated, I asked if I could file for Bankruptcy Protection, I was told that once again I was not eligible to file for Bankruptcy Protection. I was constantly lied to and deceived by Ocwen Mortgage Company and PHH Mortgage Company. 
I was deceived and deliberately lied to because I am a woman not just a woman but a minority. I was backed in a corner and I had no idea what I was doing all I knew was that I had to stop the Foreclosure Process. I could not afford an attorney, so I filled for bankruptcy protection on my own. I was having panic attacks and anxiety about losing our home. Ocwen Mortgage Company nor did PHH Mortgage Company ever offer any assistance for my catastrophic work related injuries that I sustained to my face and my back. I was constantly lied and deceived by a company that claims to keep homeowners in their homes. However, my ex husband was only XXXX years old, when he enlisted in the XXXX, he was so young that his parents had to sign a consent. Our home flooded in XX/XX/2016, we, I made the mortgage payments for two years after The Great Flood of XXXX XXXX Louisiana. I even asked about what disaster relief resources were available, I was never told about any services, I was always the one whom had to call and inquire. I have a great aunt that I take care of, she just made XXXXyrs. old on XX/XX/XXXX. I am keeping my circumstances from her, she has been on this earth for XXXXyrs. and I want her last days to be enjoyable. I have contacted Housing and Urban Development. I have contacted The XXXX XXXX OF LOUISIANA. I am contacting The Civil Rights Attorney. I have submitted a Letter to the Attorney General Office Of Louisiana. I know without a shadow of a doubt that our Civil Rights have been Violated. I have submitted several letters to PHH Mortgage Company. I did a review on The Consumer Affairs website, I later discovered that The Consumer Affairs website does not make reviews public, they are  private reviews. I have spoken to XXXX, I was so disgusted with XXXX, I submitted a Letter several Letters, Telling PHH Mortgage Company that I did not want to talk to XXXX again, they totally ignored me, they assigned my case to XXXX again. However, once my review was on The Consumer Affairs website, PHH Mortgage Company, lied, and said that they were going to contact me, I am still waiting to be contacted by PHH Mortgage Company. LIARS, FRAUDSTERS, HUSTLERS, CON ARTIST, DECEITFUL, MANIPULATORS, ARM TWISTERS, NON COMPASSIONATE. Unwilling to help us to keep our home. I was told about RESPA, I sent RESPA Letters to our dismay all of them were ignored by PHH Mortgage Company.

Company response to consumer: Closed with explanation