Consumer complaint received 2024-03-28 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: AZ

Complaint narrative:
1. I completed this complaint one time tonight already and I don't see it. 
2. I am complaining about PHH not sending me statements for monthly payments, when I requested which started back in XX/XX/XXXX. 
3. Due to an adversarial divorce, and the co borrower being delinquent on this loan since XXXX i requested that we both get copies of the statements- but PHH stated they could not do this. PHH knew that the ex-spouse wanted to try and foreclose on the house since XXXX-but I didn't. 
4. So every time PHH would decide I would get the monthly statements the ex-spouse would call in to stop me from receiving them. 
5. Also every time I did go into a loan modification to try and get a loan modification on my own- i would pay trial payments and then the ex-spouse would call and tell them to stop. 
6. I didn't know of any other recourse other than to file a XXXX  XXXX to stop the foreclosure- but somehow, he would interfere with the XXXX XXXX and get it dismissed. 
7. Moving on- I filed a complaint with the CFPB regarding what had been happening- that PHH would not allow me to go into a loan modification, since the delinquent co borrower didn't want it- even though I was paying the mortgage. 
8. PHH then wrote a letter to me based on what CFPB advised them to do- stating that in order for me to get a loan modification and get him removed from the loan- i would need a court order- from a family court judge that would allow me to sign a loan modification on my own even in the event if the co borrower didn't agree since he was the one that was setting the home up for foreclosure. Also, I needed to execute a quit claim deed and then apply for a loan assumption removing him from the loan. 
9. On XX/XX/XXXX a court order allowed me to do everything the letter that PHH wrote to me to give to the court. 
10. I got a permanent loan modification in XXXX XXXX XXXX. I received the application to assume the loan- but it couldn't be done until I had the ex-spouse removed from the deed. 
12. I got him removed from the deed in XX/XX/XXXX. 
13. However, in XX/XX/XXXX the ex-spouse and his attorney managed to go back to court misrepresenting facts an trying to relitigate old information. Also, the judge forgot what he ordered me to do on XXXX he said he didn't recall he ordered me to do this. So he admonished me by taking away 50 % of military retirement pension-since I had signed his name on quit claim deed. 
14. So after XXXX i requested a forbearance and was granted one. I was only XXXX behind instead of being nearly XXXX dollars behind. 
15. In XX/XX/XXXX the ex-spouse took the XX/XX/XXXX Arizona order to Georgia and filed a XXXX XXXX XXXX against me and PHH. 
16. The ex-spouse had no authority to do this- because the XX/XX/XXXX order was still valid- and the XX/XX/XXXX order didn't tell him to go to Georgia and file an action and try and take the house away. 
17. During this time starting in XXXX XXXX PHH started to not communicate with me- and I was never sent any monthly mortgage statements until XXXX XXXX when the house was about to go into foreclosure on XX/XX/XXXX. 
18. I had tried telephoning PHH during the litigation and they would not accept my phone calls- i requested that they send me copies of my monthly statements- but they never did. 
19. I am still in pending litigation at the Court of Appeal level fighting this XXXX XXXX XXXX  that was wrongfully filed in the wrong county and now this wrongful foreclosure based on this quiet title action. 
20. Again, PHH jut notified me on XX/XX/XXXX, that my home was going to be foreclosed on as of XX/XX/XXXX, XXXX 21. PHH also had reversed my permanent loan modification and the quit claim deed that was executed per the AZ family court orders. 
22. So instead of being XXXX behind due to the hardship- i get this statement now that says I'm XXXX behind- and the only option I have is to pay the XXXX. 
23. I have written a postponement request to PHH stating that they I was only made aware of this foreclosure on XXXX XXXX and requesting that they stop the foreclosure immediately- and that I am also in an appeal in the Georgia court of appeals- as well as the Arizona court of appeals surrounding this entire deceptive matter of making the house crash and burn to a foreclosure brought on by the ex-spouse. 
24, Again no statements when I requested as a reasonable accommodation to my XXXX that I receive monthly statements as well- as the ex-spouse.- XXXX. Also, the ex-spouse has not paid anything on this house since XXXX

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