Consumer complaint received 2026-06-18 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:
Dear Consumer Financial Protection Bureau, I need your help. Can you please help me? My house is about to be auctioned out in a foreclosure on XX/XX/XXXX due to Onity violating the dual tracking rules, moving forward with a foreclosure while processing my modification. PHH is currently being sued for doing exactly this. PHH changed their name to Onity, ( most likely because of this lawsuit ). I have been unemployed for almost XXXX years, the pharmaceutical company I was with lost their patent and laid off all its sales force. I was sending out resumes over XXXX resumes a month, getting to panel interviews only to be ghosted at the end. The job market in the XXXX XXXX has been extremely difficult until recently. Before this time, I always paid my mortgage on time and had an XXXX credit score. I used up my XXXX and ran up my credit cards trying to stay up with living expenses. I unfortunately stopped paying my mortgage a year ago. I got a job at the begging of this year XXXX and my boyfriend was supposed to move in with me and I was able to get a loan modification trial with Onity previously PHH that was supposed to start in XXXX, the job ended up being a fake job, I was not getting paid like the owner promised and my boyfriend and I ended up breaking up so he did not move in. At the same time I was in the middle of landing this job and getting my license and so I figured that I could pay XXXX and XXXX together. I called on XX/XX/XXXX to pay both months and they would not take my money. I appealed that decision on XX/XX/XXXX and I got confirmation that the appeal was received but received no response from Onity. Then when I called on XX/XX/XXXX XXXX told me to send in my expenses which I did on XX/XX/XXXX. And I did not hear back from Onity and was extremely surprised on XX/XX/XXXX when I received a Sale Date of XX/XX/XXXX from the attorney in California. I called on XX/XX/XXXX to find out what had happened and they told me to submit a new application. I called on XX/XX/XXXX and they said they had received the package. Which I did and I received a letter saying they received it and that there is no material change but there has been, I am now employed and it seems like they are not reading the application and automatically denying it. I called again on XX/XX/XXXX because Onity says that they will review the package with in 5 days and get back to me, when I spoke to the gentleman on the phone he said that there was no material change when there has been all along I am now employed. On XX/XX/XXXX when I spoke to XXXX on the phone in the XXXX not XXXX, he stated that being employed is material change. On XX/XX/XXXX I submitted again a package with an additional person with his bank statements, my bank statements and tax returns, employer statements. A HUD approved agency submitted the documents with 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