Consumer complaint received 2019-08-30
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to file a complaint on Phh Mortgage Company in XXXX XXXX NJ. 
I went thru an issue of temp loss of employment got behind in my mortgage payment starting XX/XX/XXXX. 
I did try to find a position but then car issues ect. Temp hardship I requested to pay loan but Phh mortgage wanted full amount. I filed for a loan modification package in XX/XX/XXXX awaited my 10 days .never received I started receiving letters from bankruptcy attorneys in my mail. I called mortgage company about my loan had been foreclosed on they said No. I asked about my modification package n they stated they were sorry computer error never sent it out. In the meantime instead I received foreclosure notice from attorney the next day and still no package for loan modification. 
I received numerous letters to me. My ex husband who was never on the loan and separate letters to both my daughters. All letters which I now have to pay attorney fees for and were unneeded. I am the only person on the loan. My ex passed in XXXX. 
I have had numerous issue w ohh mortgage continuous wrong information on my account. Wrong phone numbers given to me on important documents so when I called it said extension can not be located for my case manager. Just continues issues to prolong n add  fees to my loan I have since been denied my modification as of XX/XX/XXXX and given 14 days to appeal and not receiving this document til XX/XX/XXXX and have til tomorrow vto appeal. 
They denied me saying insufficient income and I do make enough they definitely calculated wrong I have the funds to pay my back loan plus late fees but they will not accept They want the extra {$2000.00} of attorney fees I have sent a letter to them requesting forgiveness due their delay in modification of loan and pointed out with dates their errors. Still no hope or help still continuous misguided information from Phh. 
Which is abusive day after day if stress and anxiety due to their contact mistakes and hours and hours of being on hold. Asking for onshore help specific to XXXX XXXX NJ and getting XXXX Everytime .to date not once Have I spoken to my individual case worker always wrong number or not available I feel there is no hope working w them  and they say a continuous sorry of their mistakes but do nothing to fix them There is so much more to add here and I am aware they were sued XXXX and had to pay many borrowers for exactly what they are doing to me Using deception and causing anguish for people who want to pay but they are declining the approval. Plus reading reviews I am not the only one once again having horrific experience w Phh mortgage company I have a reinstatement due by XX/XX/XXXX to prevent foreclosure on my home the one I grew up in and they are refusing my payment. Loan is due {$11000.00} w late fees which I have to pay But they are refusing it in the reinstatement and w not allow me to add the attorney fee to end of loan or as a short term payment plan They just want it all by XX/XX/XXXX Of {$13000.00}. 50 Please help me save and protect my rights on this loan for me and my memories of the home I grew up in In need of any information please contact me Thank you XXXX XXXX New Jersey PHh Loan w XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation