Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
This mortgage is with PHH. Our previous complaint number was XXXXXXXX XXXXXXXX. 
I did not answer back on that complaint because to me their response was more of the same untruths that I had seen in other letters to the Attorney General. My life experience is very different from what they have in their response. But this complaint is to finalize my experience with them and I need your help. This proves that they are fraudulent as I have said all along. 

I offered them a payoff on the home of {$100000.00} on XXXX XXXX. They needed over 4 weeks to get another appraisal on the home before they turned that down. That is what I owed when the mortgage CLOSED in XX/XX/XXXX. ( We had hired a lawyer to sue Ocwen/PHH for fraud and he actually turned out to be fraudulent as well. He NEVER gave us ONE document that the mortgage company gave him from XX/XX/XXXX till we received the ACT 91 notice in XXXX XXXX including their loan modification offer to this day ). Unfortunately, they were continuing to add on to the CLOSED mortgage every month through the pandemic.for the past two years. 

XXXX XXXX XXXX, who gave me the refusal, also suggested to offer {$110000.00} which I did. It took them till XXXX XXXX, to turn that offer down. They sent several letters for extension saying they had to do research and I had a complaint???? ( don't know what that was ). I had asked for an answer by XXXX so that we would be able to enjoy our last family XXXX together as my mother has XXXX  XXXX and I had been in and out of the ER and doctor 's offices because I could no longer keep my food down without medicine and extreme pain. The doctors finally deduced this was due to the mortgage stress and loss of income due to attendance at the events we do for a living because of the virus and a severe loss of income. So XXXX was a hellish month for myself and my husband instead of one of holiday joy. 

Then XX/XX/XXXX, we received an email from XXXX XXXX, who has always been amiable, saying that our {$110000.00} offer was unacceptable and the " investor '' wanted the full amount of {$130000.00}. Our original mortgage in XXXX was {$140000.00}. We received {$10000.00} in principal credit through the HAMP program from President Obama 's program, so the " investor '' is giving us credit on 3 MONTHS of mortgage payments that we made during 15 YEARS of making payments. XXXX XXXX gave us until XXXX XXXX to obtain the additional {$16000.00} in funds. However, this past Friday, the XXXX of XXXX, we received a letter dated XX/XX/XXXX that they have hired a lawyer and STARTED the FORECLOSURE process on us. I had told her all along the 14 months that we have been communicating that I wanted to avoid that at all costs. At no point in her email to us did she say that she was going to foreclose on us before XXXX XXXX. 
She NEVER SAID that we had to overnight {$130000.00} to avoid the FORECLOSURE process. We want that FORECLOSURE process STOPPED NOW!!!!

Company response to consumer: Closed with explanation