Consumer complaint received 2020-01-20
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been contacting OCWEN MORTGAGE, PHH MORTGAGE, AND XXXX, to no avail, I have expressed concern about the EXTENT OF THE DAMAGE TO THE HOUSE, SEVERE TERMITE INFESTATION, MOLD, AND MILDEW. I continued to make over {$22000.00} dollars in MORTGAGE PAYMENTS FOR A HOUSE THAT IS UNDER WATER, I have called over ten backs, to get approved for a loan for refinancing, I was told by each lender that the HOUSE had to be RENOVATED FIRST, THE HOUSE FLOODED IN XX/XX/XXXX, I still continued to make payments. I am living in a house that has been DEEMED TO BE UNINHABITABLE AND UNSAFE, DUE TO THE STRUCTURAL INTEGRITY OF THE HOUSE. I HAVE INVESTED TO MUCH TO WALK AWAY FROM THE PROPERTY. 
I DID NOT HAVE FLOOD INSURANCE. I HAVE BEEN IN THE HOUSE FOR 24yrs. 
I have submitted the pictures of the damage caused by the TERMITES. HOWEVER, THE ONLY THING THAT THE MORTGAGE COMPANIES WERE INTERESTED IN WAS THE MORTGAGE MONTHLY PAYMENTS. I ALSO SUBMITTED SUPPORTING DOCUMENTATION OF MY WORK RELATED INJURIES THAT I SUSTAINED ON THE JOB WORKING FOR XXXX XXXX XXXX. I HAVE BEEN WAITING ON HELP FROM THE RESTORE LOUISIANA PROGRAM. IF I WOULD HAVE GOTTEN HELP FROM THE RESTORE LOUISIANA PROGRAM, I COULD HAVE FIXED THE HOUSE, AND SOLD IT, AT MY CHOOSING. I WAS TOLD THAT OCWEN MORTGAGE, PHH MORTGAGE, AND XXXX, HAVE NO DESIRE IN HELPING THE HOMEOWNERS, KEEP THEIR HOMES FROM FORECLOSURE, BECAUSE THEY GO TO THE AUCTIONS AND BID ON THEM THEMSELVES. I WAS NEVER OFFERED THE CHANCE TO REFINANCE BY THE MORTGAGE COMPANIES INVOLVED, NOR WAS I GIVEN THE CHANCE OF A LOAN MODIFICATION, OR A CHANCE OF FORBEARANCE, ALL PARTIES MENTIONED ARE AWARE OF THE HOUSE FLOODED IN XX/XX/XXXX. THEREFORE, NO LENDER WILL REFINANCE, NOR WILL OCWEN MORTGAGE, PHH MORTGAGE, NOR NEWREZ. I CONTACTED PHH MORTGAGE ABOUT MY INTEREST IN LOAN MODIFICATION IN XXXX, I ASKED IF THEY COULD SEND THE PACKET TO MY EMAIL ADDRESS, I WAS TOLD THAT THE PACKET COULD NOT BE EMAILED. I WAS TOLD AT THAT TIME THAT I COULD GO TO THEIR WEBSITE FOR THE LOAN MODIFICATION PACKET, I TRIED, I GOT TWO EMPLOYEES AT THE PUBLIC LIBRARY TO HELP TO NO AVAIL. TODAY IS SUNDAY XX/XX/XXXX, AND I AM STILL WAITING FOR THE LOAN MODIFICATION PACKET, TO ARRIVE IN THE MAIL. HOWEVER, BEFORE I FORGET I ASKED ONE OF THE AGENTS WITH PHH MORTGAGE ABOUT MY INTEREST IN REFINANCING WITH PHH MORTGAGE, I WAS TOLD BY THEIR OWN AGENT THAT THE HOUSE HAD TO BE FIXED FIRST. I EXPLAINED TO THE AGENT, THAT IF PHH MORTGAGE WOULD NOT REFINANCE, HOW WOULD THEY EXPECT ANOTHER LENDING COMPANY TO REFINANCE. I MUST ADD THAT I HAVE RISKED MU HEALTH STAYING IN THE HOUSE, BECAUSE IT HAS AFFECTED MY HEALTH, THIS WAS AND HAS BEEN ADDRESSED. I HAVE BEEN STAYING BUT I REFUSE TO LET MY CHILDREN BE SUBJECTED TO THE HEALTH CONCERNS. I AM ALSO STAYING TO PREVENT SQUATTERS FROM DWELLING IN THE HOUSE. I WAS TOLD THAT THE LOAN MODIFICATION PACKET HAD TO BE RETURNED WITHIN THIRTY DAYS. I SUBMITTED A CLAIM PRIOR TO THIS CLAIM, AND I DO NOT SEE ANY DIFFERENCE THAT IT HAS MADE. I WAS TOLD THAT IN THE PREVIOUS YEARS CONSUMER FINANCIAL PROTECTION BUREAU, WAS LIKE XXXX XXXX XXXX.

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