Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am submitting this complaint regarding issues I have experienced with my mortgage servicer during an ongoing foreclosure situation. I have made multiple good faith efforts to resolve my mortgage delinquency and avoid foreclosure, including applying for loan modifications prior to entering foreclosure. My initial application for a modification was denied because I was told I was not far enough behind on my mortgage. Following that, I continued to apply for additional modifications ; however, each request was denied. As I continued to pursue assistance, I was eventually informed that there were too many modification applications in the system. I was working with a free mortgage counselor at the time, and based on guidance I received, it was suggested that all prior modification applications be removed so that I could reapply properly. At the beginning of the year, I was told that the prior applications would be deleted to allow for a fresh submission. However, after that occurred, I was then informed that no additional modification applications would be accepted. As a result, I was left without any opportunity to pursue a modification and have now been placed into foreclosure. In addition, I submitted a request for foreclosure mediation ; however, my application was denied due to allegedly missing or incomplete information. I was not clearly informed of what specific documents were missing, which has made it difficult to correct the issue and move forward. I attempted to contact the appropriate office for clarification and received multiple responses that did not contain any useful information or guidance. This lack of communication has delayed my ability to properly resubmit my application and pursue mediation in good faith. When attempting to correct and resubmit my application, I also encountered technical issues with the system. I received repeated error messages stating that I must select a valid transaction ID from the list using the down arrow, despite entering multiple valid transaction numbers related to my payment. This prevented me from completing the submission process. During this time, I have also experienced significant financial hardship, including unexpected property damage caused by a fallen tree, which resulted in major roof damage and required insurance involvement and emergency repairs. Throughout this entire process, I have made consistent good faith efforts to resolve my financial situation, apply for assistance, and avoid foreclosure. However, I have been denied opportunities to obtain a modification, provided with inconsistent and unclear information, and blocked by technical and administrative issues. I am requesting the following : A full review of my loan modification history and an explanation as to why my applications were not accepted or processed appropriately. A fair opportunity to submit a new loan modification application for proper review. Assistance in resolving the technical issues preventing submission of my mediation application. Clear identification of any missing or incomplete documents required for my mediation application. Consideration of alternatives to foreclosure based on my demonstrated good faith efforts to resolve this matter. I am committed to resolving this situation and avoiding foreclosure if possible, and I am requesting timely and clear assistance so that I may proceed.

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