Consumer complaint received 2025-03-01 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:
XXXX applied for a hardship in XX/XX/XXXX. I am currently behind XXXX mortgage payments. I have I was 4 behind but I have managed to go down to 3 missing. I am asking for a modification to have those two attached to the end of my loan. I am able to make the monthly moving forward. 

Submitted the documents for the HARDSHIP. Numerous times they said I was missing documents. When I did submit, it took more time to tell me something else was missing. The closed the application by mistake and someone help me to re-open the application. I tried to call my Account Manager and he is never available. I left messages and he does not return my calls. I am still waiting for a respond. And the scary thing is that they are switching over to a new mortgage company on XX/XX/XXXX. I have not been told what is going to happen to my Hardship Application This is my activity with them Loss Mitigation Welcome Package Description : Loss Mitigation Welcome Package Received XX/XX/XXXX XXXX XXXX XXXX Hardship Letter.pdf Description : HARDSHIP LETTER Uploaded XX/XX/XXXX XXXX PM ET App page XXXX Description : APPLICATION Uploaded XX/XX/XXXX XXXX XXXX XXXX App page XXXX Description : APPLICATION Uploaded XX/XX/XXXX XXXX XXXX XXXX App page XXXX Description : APPLICATION Uploaded XX/XX/XXXX XXXX XXXX XXXX App page XXXX Description : APPLICATION Uploaded XX/XX/XXXX XXXX XXXX XXXX App page XXXX Description : APPLICATION Uploaded XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Description : Proof my XXXX income from employer Uploaded XX/XX/XXXX XXXX XXXX XXXX Temp Disability Proof XXXX Description : Here is proof of Temp XXXX Uploaded XX/XX/XXXX XXXX XXXX  XXXX XXXX Help XXXX XXXX XXXX Description : This is a bank statement that has my husband SSI benefits by direct deposit. 
Uploaded XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX Uploaded XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Uploaded XX/XX/XXXX XXXX PM ET Loss Mitigation Welcome Package Description : Loss Mitigation Welcome Package Received XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Document Center Know I sent this email last week REGARDING Account Number : XX/XX/XXXX at XXXX XXXX To : XXXX I am sending this email in hopes to get some kind of response. I have been waiting on a decision on my application for Hardship. As the month of XXXX comes to an end, I wonder if anyone is even working on my application. I submitted my application back in XXXX. I have not heard anything from you or the company. 

I have made several attempts to call but you never answer your phone, and I have left a message or XXXX and have not heard back from you. All I want to know if I am going to be approved for a loan modification or something. When no XXXX contacts me, it makes me feel like you and the company want me to lose my home. XXXX since XXXX is ridiculous. 

I would like to hear from someone with an update on my account. I am back at work as of XX/XX/XXXX. I have been able to make payments but having a hard time with the past due payments. My account says I have XXXX due. I understand that the next payment you receive will be for the month of XXXX. I am also hoping that be able to submit the payment for XXXX. This will leave XXXX. I do need the help. I would really like to keep my home that I have been in for over 20 years. 

Please please respond to me. 


Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation