Consumer complaint received 2026-06-22 00:00:00
Product: Mortgage — FHA 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: VA

Complaint narrative:
I am filing a complaint regarding the handling of my FHA Partial Claim Modification by Onity Mortgage. As a result of the denial, I have now received a Notice of Intention to Foreclose dated XX/XX/year>, despite having submitted the original modification package well before the deadline and promptly correcting every issue identified by Onity Mortgage. I received the modification documents on XX/XX/year>, and signed and returned the completed package on XX/XX/year>, two months before the stated deadline of XX/XX/year>. On XX/XX/year>, nearly seven weeks after my original submission, I was notified for the first time that the documents could not be accepted because they were printed double-sided. I immediately corrected the issue and returned the replacement package on XX/XX/year>. On XX/XX/year>, I was notified that the replacement package could not be accepted because the notary crossed out the word " city '' and replaced it with `` county '' on the acknowledgment page. This change was made by the notary and was entirely outside of my control. Significantly, I was notified of this issue on XX/XX/year>, after the XX/XX/year> deadline had already passed. Upon receiving notice, I immediately obtained new notarized documents with no alterations and resubmitted the package on XX/XX/year>. The modification was subsequently denied because the final corrected documents were received after the XX/XX/year> deadline. My concern is that I submitted the original package nearly two months before the deadline, yet the defects were not identified until weeks later. The first issue was not communicated until XX/XX/XXXX, and the second issue was not communicated until XX/XX/XXXX, after the deadline had already expired. Had these issues been identified and communicated in a timely manner, I would have had ample opportunity to correct them before the deadline. At every stage of this process, I acted promptly, responsibly, and in good faith. I corrected each issue immediately upon notification and have documentation supporting the dates of submission, receipt, notification, and resubmission. In addition, believing that the FHA Partial Claim Modification was being finalized and wanting to remain compliant with my obligations, I made a mortgage payment on XX/XX/year>. This payment demonstrates my commitment to resolving the delinquency, retaining my home, and complying with the modification process. My actions were consistent with a borrower attempting to complete loss mitigation, not avoid mortgage obligations. I am also concerned about the customer service I received during this process. I attempted to contact Onity Mortgage on multiple occasions to discuss the matter and seek assistance. On two separate calls, I was disconnected before my concerns could be addressed or escalated to a supervisor. I respectfully request that Onity Mortgage : 1. Reconsider and reinstate the FHA Partial Claim Modification. 2. Conduct a supervisor-level review of my file and the processing timeline. 3. Provide a written explanation as to why defects in documents submitted on XX/XX/year>, were not identified until XX/XX/year>, and XX/XX/year>. 4. Suspend all foreclosure activity while this matter is under review. 5. Waive any fees, penalties, or adverse consequences resulting from the denial and processing delays. I believe I made every reasonable effort to comply with all requirements and deadlines. The denial appears to have resulted from delayed review and communication of document deficiencies rather than any failure on my part to cooperate, respond, or satisfy the requirements of the modification process. I respectfully request prompt review and resolution of this matter given the pending foreclosure action and the significant efforts I made to comply with every request made by Onity Mortgage.

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