Consumer complaint received 2022-04-11
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was working with XXXX PHH Mortgage to do Modification I made my 3 trial payments of {$420.00} starting In XX/XX/XXXX and ending in XX/XX/XXXX. They told me to sign the Modification paperwork and it would be approved with my Payments of being {$420.00} per mo and a balloon payment of about $ XXXX due on my last payment at the end of the loan. They told me it did not have to be notarized and I thought that was odd in the past I went to my Bank to have it Notarized and them saying it had to be done when they was Ocwen Loans.But they said it would have to be signed by both parties on the loan. I told them that I have done a loan modification in the past and did not need to have my ex wife signature do to me providing them the copy of my divorce decree and copy of my quit to claim deed.This started in XXXX of XXXX and went into the whole month of XX/XX/XXXX and I still continued to make my payments of {$420.00} I have asked to speak to a manager since the the Account Manager in charge of my account never calls me or emails I just get letters of who is in charge if I call her she never returns my calls.I have had several people come and taken pictures of my home and come up on my property and take pictures at my front do and my neighbors texting me someones is taking pictures of your home.I went out and asked they say call your mortgage company and when I do the say its not them.I ask them to call me after work hours and they call me during my work hours I have been yelled at by some of the people from XXXX and told my managers My Ex wife has to sign the papers and I tell them I have no Idea where she is is I have not been in contact with her since XX/XX/XXXX when she took off 22 days after buying my home I filed divorce papers in XXXX of XXXX and was awarded my home and filed a quit to claim deed to have her removed off the rights to the home. XXXX PHH management has told me in XXXX they would send the papers to have her removed off the loan.I waited weeks and called then get a letter saying it was denied due to not being current. Then again in XXXX of XXXX I was told they would get her name off and send me the papers since it was for the Months of XXXX and XX/XX/XXXX of waiting from them it was escalated to hire management on why my ex has to sign the Modification. I was told my XXXX PHH not to sign until they can give me a reason why it was supposed to be signed and returned by XXXX XXXX and every time I call them they are now asking for XX/XX/XXXX payment they cashed it on XX/XX/XXXX and I get Oh I can see it now or I can't see it or you will have to talk to a manager and then I get the same runaround I asked to speak to USA Reps because the Reps in XXXX and other countries seem to give me bad info often or they hard to understand or yell.I get XXXX and ask for US manager then they put me on very long hold times going back and forth with switching me back and forth with mangers or reps back to XXXX was going through this for the whole month of XX/XX/XXXX once or twice a week and them still contacting me after I just spoke to them sometimes the same day or next with same results. I sought help on the XXXX website and was referred to XXXX XXXX XXXX. We spent XXXX hours on the phone for each day trying to get answers and help. He witnessed what I was going through with XXXX PHH same issues asked to speak with a manager in US they would put us to a Rep the the rep would say this needs to be handled by a manager then it would be a manager in XXXX let me get you a manger in the US then they hang up or no managers asking for my XXXX payments they did say my divorce decree and Quit to Claim was not accepted nor would my modification without my Ex wife signature. He was on the phone with me 3 way conference call both days with no answers. He provided me your info and advised me to strongly contact your company for help stating this is not normal he deals with XXXX PHH and never saw how badly they are handing my modification process. I was also told by someone that Oklahoma is not a XXXX State so my Ex wife signature is not needed. XXXX XXXX PHH also stated before I seeked help that they would send me a new modification paperwork in XX/XX/XXXX with it just needing my signature and I was waiting for XXXX weeks and then it was the same paper I was sent in XXXX saying I will need to be current for before they can remove my Ex Wife. This has been going nowhere with this company It could have been resolved in XXXX or XX/XX/XXXX I sent them a check for my back payments when it was {$2500.00} or {$3500.00} they never cashed the check and told me due to Covid 19 all modifications are frozen and we will contact you when needed and had me keep signing forbearance agreements and never asking for Ex Wife signature.Now I owe over $ XXXX it feels like they are sending me into a foreclosure on purpose.By telling me I need my ex wife 's signature. I also kept asking them about what assistance from the federal government for Covid 19 and they kept telling me their are not any programs. 
I had to find out about XXXX weeks ago when I got in touch with XXXX He told me to get the modification notarized sign it with my name put N/A on Ex Wife name and mail it back.I did with my check for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation