Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I was seeking a loan modification to my home loan from PHH Mortgages back in XXXX of XXXX. 
I received the loan modification, sign it and mailed it back to them. 
The loan modification was denied supposedly due to some lien attached to my property. 
PHH Mortgages gave me a lien instrument number of XXXX to work with and for me to get evidence that their is no lien in my name or against my property. 
I went to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and to the XXXX XXXX XXXX, and all XXXX said that I didn't have any liens against me or against my property. 
I asked if they could print that out for me and all XXXX said that they couldn't do it. 
I informed PHH what I have done and what was said to me, so PHH sent me a new loan modification to signand mail back to them in XXXX of XXXX, with my first payment to be made on the XXXX XXXX XX/XX/XXXX. 
In XXXX of XXXX, I received foreclosure paperwork via a servicer. 
I called PHH Mortgages immediately to find out the reason why the modification was denied, again. 
I am told the same thing, that their is a lien attached to my property that hasn't been cleared up yet. 
Again, I go to all XXXX XXXX  offices again to get proof that this lien is not mine nor is there one attached to my property. 
Only this time, a person at the XXXX XXXX XXXX XXXX said to contact my title service company and that they could get the information that I needed. 
My title company sent me records that my title is clear and that their is no lien against my property. 
I promptly emailed that information back to PHH Mortgages to stop any further foreclosure proceedings and to get the loan modification that I originally asked for back in XXXX of XXXX. 
I didnt hear anything back from PHH again in XXXX of XXXX, so I called them in XXXX of XXXX to find out what is going on and I'm told to wait because their team is still reviewing the case. 
Since I didnt hear anything back and I getting foreclosure papers nonstop, I contacted the XXXX  since I have a XXXX  XXXX loan guarantee. 
I called XXXX XXXX to inform them what is happening and see how I can stop this foreclosure from happening when I have done everything I could to proof this lien is not mine nor is their a lien on my property, and that none of the tax offices will print anything out for me stating that. 
On XX/XX/XXXX, on a XXXX  evening, a lawyer comes to my home introducing himself as a auctioneer commissioner saying that my home has been foreclosed on and that he has XXXX scheduled open-houses of my home within XXXX weeks. 
I told him that I am not allowing any open-houses to my home and that my home has not been foreclosed on yet and that I am fighting this foreclosure so that I can get a loan modification. 
I contacted PHH Mortgages again asking why someone is trying to auction off my home when I'm trying to get the information that they are asking for. 
All that PHH Mortgages would say to me is that foreclosure proceedings are still on going. 
I called XXXX XXXX  to let them know about this lawyer coming to my home and my call to PHH Mortgages. 
The XXXX  instructs me to contact my title company again so that they can double check for any attached liens. 
Since my title company couldn't find any liens with that instrument number XXXX that PHH Mortgages provided to me, I asked my title company to try searching that lien with the name of any XXXX XXXX, and cross reference with that lien instrument number, because my full name is XXXX XXXX XXXX. 
My title company was finally able to proof that this lien was not mine at all, but belonged to a XXXX XXXX XXXX, in which the XXXX XXXX XXXX XXXXXXXX XXXX had placed against him. 
I immediately sent that documentation that my title company received from the XXXX XXXX XXXX to PHH Mortgages. 
On XX/XX/XXXX, I received court papers in the mail. 
That lawyer from XX/XX/XXXX, filed court papers to auction off my home without a open-house. 
My home has not been foreclosed on and I have been in constant contact with PHH Mortgages to prevent any foreclosures. 
I do not know how PHH Mortgages and their title team could not see that this lien belonged to a XXXX XXXX XXXX, and not to me, XXXX XXXX XXXX to start with. 
If PHH knew the lien instrument number, they should ave known who this lien was against and who the lien holder was. 
Instead of just giving me a lien instrument number, PHH Mortgages could have given me the name of the person that the lien was against and who was the lien holder back in XXXXXXXX XXXX XXXX  so that this lien could have been corrected and prevented any foreclosure proceedings. 
I do believe that PHH Mortgages is engaging in purposely allowing foreclosures to happen because they will probably see a bigger pay-day if the property is auctioned off or sold in a short sell.

Company response to consumer: Closed with explanation