Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
This is my third CFPB complaint regarding XXXXowned Account XXXX, serviced by PHH Mortgage ( prior servicer : XXXX XXXX XXXX ). Prior complaints : XXXX ( filed XX/XX/XXXX ) and XXXX ( filed XX/XX/XXXX ). Both were closed after XXXXHH 's XXXX ( XXXX XXXX ) submitted responses that my XX/XX/XXXX evidentiary letter and XXXX binder prove are materially false. XXXX told CFPB the XX/XX/XXXX closure was a " denial '' for a missing " explanation for default '' but that explanation was submitted twice ( XX/XX/XXXX hardship letter and XX/XX/XXXX demand letter ) and was in PHH 's possession before both the closure and the CFPB response. The delinquency is entirely servicercaused. I was approved for XXXX and made both XXXX payments timely and in full. On XX/XX/XXXX, I requested a shortterm extension from XXXX, stating I could resume by XX/XX/XXXX. XXXX assigned a phantom SPOC ( " XXXX '' ) who never called, told me to " hold off '' for the PHH transfer, marked my cases " resolved '' without resolution, and transferred the delinquency to PHH around XX/XX/XXXX. XXXX did not honor XXXX and started from scratch. I proposed structured payment solutions XXXX times : XX/XX/XXXX ( XXXX reinstatement, forbearance, or deferral up to $ XXXX by XX/XX/XXXX ) ; XX/XX/XXXX ( freshstart reinstatement preserving my 2.5 % rate or repayment capped at $ XXXX ) ; and XX/XX/XXXX ( XXXX reinstatement with deferment XXXX affordable repayment plan ). XXXX never accepted, counteroffered, or formally denied any proposal. PHH held my account in limbo for XXXX months while arrears accumulated and never offered forbearance which XXXX C.F.R. XXXX requires before initiating default on a VA loan and which PHH 's own XX/XX/XXXX letter listed as available. PHH then : ( XXXX ) issued a Notice of Default XX/XX/XXXX XXXX days after RESPA XXXX transfer protection expired during active review; ( XXXX ) autoclosed the application XX/XX/XXXX with no missingdocument list and no appeal rights ; ( XXXX ) reversed the closure XX/XX/XXXX and deemed the same XX/XX/XXXX submission " complete '' without new documents proving PHH had a complete application the entire time ; ( XXXX ) conducted inspections and a BPO on an occupied VAowned home during active review; ( XXXX ) failed to respond to my XX/XX/XXXX QWR/NOE now 131 days, approximately 68 days past the Regulation X maximum ; and ( XXXX ) failed to disburse my escrowed homeowner 's insurance for over XXXX months, forcing me to pay {$270.00} out of pocket to prevent a coverage lapse on the VA 's XXXX property. XXXX SPOCs across XXXX servicers since XX/XX/XXXX none has ever contacted me. XXXX 's Ombudsman issued XXXX letters between XX/XX/XXXX and XX/XX/XXXX, requesting XXXX XXXX extensions where XXXX ( XXXX ) permits XXXX, opening XXXX new cases to reset deadlines, and blowing the XX/XX/XXXX deadline on XXXX XXXX without a single substantive response. Every communication I have received from PHH bears the FDCPA debtcollector legend. Not one has been an offer of assistance, a XXXX response, or a XXXX call. On XX/XX/XXXX, XXXX offered a XXXX XXXX XXXX ( $ XXXX, {$8400.00} total ) and confirmed for the first time that the VA owns this loan. The trial requires " clear title '' for permanent modification and reserves PHH 's right to deny even if all payments are made. PHH conducted a BPO and may know of a title defect making this illusory potential fraud by inducement under 12 U.S.C. 5531. I conditionally accepted XX/XX/XXXX under full reservation of rights to preserve my home. The XXXX was contacted XXXX times between XX/XX/XXXX and XX/XX/XXXX, has enforcement authority it has not exercised, and has been functionally silent.

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