Consumer complaint received 2025-11-22 00:00:00
Product: Mortgage — VA 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:
Subject : Formal Complaint Against XXXX XXXX XXXX XXXX  and PHH Mortgage for Servicing Errors, Failure to Communicate, Mishandling of VA-Backed Mortgage, and Improper Reporting of Arrears To Whom It May Concern, I am filing this complaint regarding severe and ongoing mortgage servicing issues involving XXXX XXXX XXXX XXXX  and PHH Mortgage involving my VA-backed home loan. These errors have created wrongful arrears, damaged my credit, obstructed my access to veteran-specific programs, and placed my home at risk despite VA protections and an active foreclosure moratorium.

Summary of Issues 1. Improper Servicing Transfer with No Notification XXXX XXXX XXXX transferred my mortgage to PHH Mortgage in XXXX, but I received no notice of this transfer. 
I was first contacted by PHH four months later, in XXXX, via email. 
During this time, no statements, letters, or instructions were provided to me. 
XXXX. Retroactive Delinquency and Incorrect Reporting of Arrears When I contacted PHH the same day I received their XXXX email, I was told that I had been placed in arrears dating back to XXXX, even though : I had no knowledge of PHH being the new servicer. 
I received zero notification or instructions on where or how to send payments. 
XXXX XXXX  XXXX had not indicated arrears at the time of transfer. 
PHH is now reporting approximately {$20000.00} in arrears, an amount that is incorrect given : My approved California XXXX XXXX XXXXXXXX Veteran Property Tax Exemption Prior escrow corrections XXXX XXXX XXXX written confirmation of an approved plan VA XXXX program eligibility Escrow shortages that were already being addressed through a 60-month plan All documentation supporting the correct amounts has been sent to PHH, but they have not responded. 
XXXX. Mishandling of the XXXX XXXX I was approved by XXXX XXXX XXXX for a XXXX trial plan ( XX/XX/year> ). 
The letter simultaneously stated that I qualified and did not qualify, with no financial review ever performed. 
Upon transfer to PHH, I immediately requested XXXX continuation and reevaluation. 
PHH has not responded to any XXXX inquiries or document submissions. 
They have not initiated the required fresh start placing arrears at the back of the loan. 
XXXX. Failure to Honor XXXX Veteran Property Tax Exemption California approved my {$250000.00} property tax waiver, which requires : Immediate escrow re-analysis Adjustment of monthly payments Removal of improperly assessed amounts XXXX XXXX XXXX refused to apply the waiver without a {$42000.00} payment. 
PHH has received all exemption documents yet has taken no corrective action. 
XXXX. Harm Suffered My once-excellent credit has fallen to below XXXX due to erroneous reporting. 
I am a XXXX XXXX XXXXXXXX veteran with XXXX, and this situation has caused documented XXXX  and XXXX XXXX 
Despite VA protections, I am at risk of homelessness because of servicing failuresnot borrower negligence. 
Requested Resolution I am requesting the CFPB to require that XXXX XXXX XXXX XXXX  and PHH Mortgage : Correct all arrears, removing amounts caused by failure to notify, mishandled transfers, or incorrect escrow. 
Immediately apply my California XXXX Veteran Property Tax Exemption and recalculate escrow. 
Conduct a proper XXXX evaluation with clear written communication. 
Stop negative credit reporting until the errors are corrected. 
Provide a full accounting of the loan from the date of transfer, including escrow, arrears calculations, and VA program eligibility. 
Thank you for your assistance. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation