Consumer complaint received 2025-02-08 00:00:00
Product: Mortgage — FHA 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: GA

Complaint narrative:
I am writing a formal complaint as I believe PHH is participating in predatory lending practices. 

It was late XXXX, early XXXX of 2024 when I first reached out. I reached out because I was experiencing legitimate hardship by loss of employment. I explained I have an open case with the XXXX that has engaged in this issue against XXXX, whom is to blame at the root of this all. Why I no longer work at XXXX is because I was consistently XXXX harassed, harassed, discriminated against for my XX/XX/XXXX and also treated differently than my straight presenting counterparts, being recorded by co-workers that sent the footage around, and retaliated for me reporting, and the list goes on. Ultimately I was wrongfully terminated and this case is active and ongoing. With that loss of income I reached out to explain first a forbearance would greatly help to give me time to collect, figure how I was going to ethically pay my bills, and also work the case against XXXX all things time sensitive. 

XXXX of 2024 I received a letter dated XX/XX/scrub> 2024, it indicates that my XXXX application was completed on XX/XX/scrub>/2024. At this time my home was not in foreclosure. And I was reaching out for help available to homeowners that are experiencing legitimate hardship. I never received my denial which is important as moving for an appeal is time sensitive, and I was not afforded that right. I only found out I was denied by calling in after receiving foreclosure notice from XXXX and XXXX. 

Additionally, a PHH rep told me to apply mid XXXX for mortgage assistance which was different from a modification ; which is what they said was denied although I requested a forbearance which is entirely different, and now am being denied mortgage assistance after being directly told to call back and apply mid XXXX ( for which I can provide proof ) by a PHH rep. This feels predatory, unjust, and imbalanced when PHH in particular has monies and programs exactly for people like me, they are denying or flat or refusing to look into. I started all this long before they initiated these actions against me. Senator XXXX XXXX has taken up my case and his office is investigating at this time to be transparent. 

It's important to note that I have a repayment plan that can be validated which is why the forbearance was critical in buying me time to find another ethical means of income, I solved that issue, but now but my home being listed for auction when I just got my XX/XX/XXXXand my home is both my residence and building and in addition I have a current tenant, and have two more coming in XXXX and I will be able to resume without issue. I have XX/XX/XXXX, am battling unlawful actions against me at my place of work ( XXXX ) which led to my unemployment, PHH knew of all this and is proving they are dishonest, not transparent, and seek only to appear to be helping homeowners all while conspiring to sabotage any real effort. 

In our previous battle, PHH was sending critical documents to my old address they knew full well I no longer lived at. Here now, I have no letter to show proof they denied me because either they didn't send it, or sent it to the wrong address yet again. I am under extreme duress, reached out for help and sought help. I was under the impression I had a forbearance because I never heard anything else. 

These actions are unlawful, to take what one needs most to survive ( a home ) who is a victim, reporting, and standing up for justice, and was fired for reporting acts such as XXXX harassment for which I can prove, I would have a job if it were not for these harmful actions ; which is why I am also contending with XXXX at the same time. By denying me all help, misleading, and misguiding homeowners, would be an extreme miscarriage of justice. They may be using the " law '', but all laws aren't lawful, ethical nor equitable.

I am being forced into bankruptcy to avoid losing my home which means I'll be spending money, meant for repayment, to afford an attorney instead, which is counterintuitive and putting further burden on someone that literally reached out for help. PHH could afford me the resources available to those in need of those programs and resources and had a fiduciary duty to do so.

Keeping people in their homes should be paramount. That should be the last thing when you can clearly see legitimate cause and claim. Please help and look into this. I can provide all my information regarding my XXXX case, I can also provide legitimate repayment plan with leases from Tenants ( 2 in XXXX ) represented by XXXX. PHH is known for these insidious practices, and are at it once again, and at a time such as this. I am XX/XX/XXXXXX/XX/XXXX, I am being further brutalized when I could use all the help available, PHH was granted XX/XX/XXXX in subsidies, yet will turn away valid cases in need and auction my home without providing any real pathway to success in this matter. I believe PHH purposely did not send the letter, so that I could not appeal or seek other remedies in time to be of assistance with is egregious and wrong. Thank you truly. Sincerely, XXXX 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