Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — Conventional home 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: LA

Complaint narrative:
I began my first modification on my home XX/XX/XXXX, a lengthy process that resulted in my mortgage going from {$2200.00} to {$1100.00}. In XX/XX/XXXX, I missed my payment by a week and tried to double my payment in XX/XX/XXXX and was told no and that my entire modification had to start over. Also was informed that the balance that accumulated from the first modification would be apart of XXXX modification. From XXXX XXXX XXXX, was the time frame of XXXX modification causing total balance to grow to XXXX. During the modification process forms were submitted in the beginning and in the months in between were frequent calls from PHH of appointment setting and appointment reminders, which I believe just stalls for the company to grow balance owed from me. In XX/XX/XXXX, I called PHH to see how they would accept XX/XX/XXXX payment and was informed my home was in ACTIVE FORECLOSURE because forms I submitted was missing my middle initial. PHH failed to notify that I needed to resubmit documents. I had XXXX weeks to sign their idea of a modification were my mortgage stayed the same, despite me providing proof of pay cut, but the accumulated balance that only accumulated, because of their unnecessarily lengthy modification process, was put the the back of my loan giving me a " clean slate. '' I signed documents agreeing because I didn't want to lose my home knowing that I didn't receive a fair modification. My mortgage staying the same would ultimately put me in the same position again being that I have a pay cut. Upon entering my " new '' agreement I requested an investigation be opened on why my mortgage didnt go down. The agent on the phone " mistakenly '' mentioned my new mortgage was then {$610.00}, and I had her repeat 3x. When questioned about the {$2200.00} mortgage she then admitted she was " looking at the wrong account. '' She had to verify she was speaking to me when we first started the call. She then admitted her " mistake '' and that my mortgage would be {$2200.00} and that she would request research team to investigate my modification. Today, XX/XX/XXXX, I called to see why new mortgage wasnt updating received no help from representatives. I was told I only had to pay {$1100.00} this month but next month would be {$2100.00} with still no word from research team. ( I requested research team to start investigating on XX/XX/XXXX. ) I am never able to speak to a supervisor about my account, a supervisor is conveniently never available. The file that will be up loaded is the dismissal of foreclosure notice. I have no other documents because PHH havent provided me with any. I have nothing in writing of the process they just put me through but i have requested something from their department I have yet to receive. Hoping that the letter I upon is some proof of the pressure I was put under to sign a modification agreement that didnt serve me.

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