Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I Have a Mortgage with PHH Mortgage. In the beginning of XX/XX/year> I was late with my House payments and behind by 6 Months. The amount I was behind was {$9300.00}. During those 6 months I kept trying to apply for assistance and I continued to get turned down. The house was ready to go into Foreclosure and they wouldnt work with me. I reached out to XXXX XXXX at Save your Home California and he began to help me with my Mortgage Company. They Finally agreed to a repayment plan of {$6500.00} down and then XXXX payments of {$2200.00} for 5 months beginning XX/XX/year>. I told them that I was struggling to pay my mortgage payment to begin with and now they want to add {$1100.00} more a month to my payment? I told them I dont think I would be able to do that but I would try. They did not care and said its the only was to keep your home. so I greed and made my first Payment of {$6500.00} by Credit Card over the phone that afternoon and faxed all required paperwork back to them. On XX/XX/year> I got XXXX  and on my third day I had XXXX XXXX  and ended up in the XXXX. I was unable to return back to work and had to go on leave for minimum of 3 moths for therapy and doctors visits. My XXXX and XXXX XXXX were impacted very much so. I no longer had any income until my doctors and company agreed to my XXXX Leave. 
Anyways I did struggle to come up with my first installment payment of $ XXXX My last pay Check from my employer and on XX/XX/year> I called to make that payment. I was told I could no longer make any Payments as my payment arrangement was not kept as agreed and I was now in default. I asked to please speak to my relationship XXXX. I was refused an appointment as they said there was no appt available. They said I could reapply for mortgage assistance and they would then give me an appointment with my relationship manage. So I agreed and they set up and appt for a month away. I went online and applied. and then I waited to hear back. A whole month passed and I never heard anything and I never received that call from my Relationship Manager at all. On XX/XX/year> I called PHH Mortgage again and i still was unable to speak to any relationship Manager. The girl told me that my house was now in foreclosure. She said there was no sale date yet and would set up another appt with a relationship manager. She said I could try a Mortgage assistance application to put the foreclosure on hold while it was being reviewed and it would take up to 30days. She said when I apply this time since its a medical emergency to make sure I dont include any income information since there is no income right now. And make sure I send Hardship letter stating information about the XXXX  and Doctor information.So I did what she told me to do. That same day XX/XX/year> I faxed it back to them. Again I never heard a word back. Then on XX/XX/year> I recieved a letter in the mail stating that I was refused assistance because I did not include any income information on my application. I called them right away and I was told I would have to set up appt with Relationship Manager once again. So i did. Then before my appt with them ... XXXX XX/XX/year> I receieved another letter saying my house was now in foreclosure and to contact the attorney on the letter. I immediately reached out to XXXX XXXX at Save your home California and he is in the process of helping me with them since they refuse to help me or explain anything to me or whatever. He is he one that told me to reach out to you and file a complaint. I am hoping you can help me with this issure as I feel I am being treated unfairly and unjustly. They know how much equity is in the home and thats why they refuse to do another modification for me or to help me. I feel through this whole Mortage assistance they are trying to pull the rug out from under me. Its been a Nightmare dealing with PHH Mortgage and nothing has been explained to me correctly. No one is returning my calls or trying to help me resolve this. I dont want to lose the home. I would like to keep it or be given time to resolve this. How can a company be so callous as to not understand that for one ... .I had a medical XXXX, XXXX of them actually. I needed help. And for XXXX ... that if I was struggling to make my regular mortgage payment of XXXX how would i possibly be able to make XXXX even just for 5 months? That is just so wrong. They are an unscrupulous Company with unjust Business Practices. I honestly feel that they didnt explain to me at the time that I HAD to make those next XXXX payments after the {$6500.00} payments ... .on the first or it would be in default. I feel they set me up for failure to begin with and they know that they did and thats why no one will work with me, Explain anything to me or all me back. Bad Business Practices. Just a thought that confuses me and makes me think the reason that they dont want to work with me is that they are changing their name for the 4th time since I got my loan on this house. They will soon be called Onity Mortgage. Many years ago I got behind and they were Called Ocwen Mortgage. They refused to work with me and I almost lost he house then. They had alot of lawsuits against them and alot of people lost their homes because of their unscruptlous practices. So maybe thats why they refuse to work with me.

Company response to consumer: Closed with explanation