Consumer complaint received 2025-11-22 00:00:00
Product: Mortgage — FHA 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: PA

Complaint narrative:
In XX/XX/year> I fell behind, I was due XXXX, XXXX and then XXXX, I was set to make a payment and I called then to do so, when I called they asked why I fell behind, I explained and they stated I was eligible for a deferment for the past due, We discussed this, they sent me the approval, they actually sent it twice. I called back and we discussed the escrow shortage being paid over XXXX  months, they put in a ticket to have someone explain the increase in the payment, which they did, so I took the deferral. I use the payment I had to pay credit card debt, I am very much so in debt and its a struggle I am treading water on. I received a letter on XX/XX/XXXX saying I was not eligible for assistance, I call, it said nothing about the deferment, but I was curious, they told me I was in an approved deferment, that letter just was saying I wasn't eligible for any other assistance plans. Last week, I received certified letter I am XXXX  months behind, set to start foreclosure, I called, they told me again, I am in a deferment, they put in a ticket, they called back, said it was an error, no other explanation, now I am XXXX months behind as I just paid XXXX in XXXX, and they are unwilling to help, they wont let me pay partial to at least get under XXXX months past due, nothing, just sorry, it was an error, No obligation for accountability at all from them? I am so scared, I don't know what to do, I can get XXXX, maybe XXXX by the end of XXXX, but they said {$6700.00} by XX/XX/year> or {$9000.00} by XX/XX/year>, but I can apply for assistance again and maybe a deferment or a modification? I don't want a modification, my interest rate is 2.5 % Id have to start all over at XXXX or XXXX years with a higher rate, they helped cause this, I know I bear responsibility, but they certainly contributed, I may still be behind but I know enough to never go past XXXX  days, yet by the time I was told officially about their 'error '', I was already past XXXX days, they have no obligation to help me here, to at least take a partial so I can get under the XXXX  day mark< i can maybe borrow some money, but asking for {$5000.00} is certainly different that asking for {$9000.00}. I just want them to be more accommodating in helping me fix this situation they helped create, who offers a deferment, approves it and then takes it back and doesn't notify the customer? I am so scared and I am hoping you can help, maybe see if you can talk to someone that I cant because the only answers I am getting are basically, it was an error, lets move on and apply for our other assistance programs. I am hoping you can help, I googled and you came up as a potential source for help. I can pay, my fiance moved in in XXXX, I do have some extra income now and he said he would help but we cant climb this mountain in the time frame they have given and once lawyer fees get attached I will never be able to clear this delinquency, I hope you can help, I'm sorry for the last minute notice, but I just got the letter from them on Saturday, Thank you

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 monetary relief