Consumer complaint received 2024-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
Ocwen / PHH mortgage company has lied to me repeatedly, over and over. One person tells one thing. Then another person contradicts them. Then they say the problem is I misunderstood everything.

It began with a COVID Forbearance which they said could be put on the back end of the loan when it was over. When the time came, they told me they were not going to put it on the back end of the loan. They said it was their option to do so and that and I misunderstood what the people told me. I said how would I know the terminology if your people hadn't told me?. They demanded an immediate {$10000.00} + payment for the total. I told them that was nearly impossible and what they had promised. They said whoever told me that was wrong or I misunderstood and they don't have to honor what I was told. 

They said I could file an appeal. I wrote the letter of appeal. The next thing I knew they said they opened a modification case for me, which I didn't apply for. Then they sent me bills for an appraisal that I didn't ask for and inspections that they never did. When the appraisal came back at twice the value of my mortgage, I got an immediate rejection of my appeal. I spoke with them about this and they said I could file a reappeal and restate my case and hardships again. I did so. They rejected the re-appeal and asked who is the agents and what is their agent IDs I spoke with? They give it to you at the beginning of every conversation. Nobody writes that stuff down, and they say it so fast you can't even understand their foreign accents and bad XXXX. Before I could respond or have time to arrange any type of payment they filed for foreclosure within two days.

I borrowed everything I could borrow on every credit card and everything else to come up with the amount, and they refused to take in any other way but a cashier 's check or XXXX XXXX or some other money services. They said they could do nothing to help me because it was now in an active foreclosure. Even though they gave me no time to arrange anything. They said if I paid it off by the end of XXXX, the next payment would be due XX/XX/XXXX. I paid it off. By the end of XXXX. They said the amount would clear all charges and be reinstated in full and there would be no more charges. 

Then in the beginning of XXXX I got a phone call that said my payment was due XX/XX/XXXX. They told me incorrectly XX/XX/XXXX. I said this is XXXX day after I just paid you and borrowed everything I can. There's no way I can make a payment XXXX day. They said if you're late you will go in the default and they'll be late fees. I said this isn't what you told me. They said can you prove what that person said?. 

I was unable to make the XXXX payment by their deadline, but I made it in XXXX and I made XXXX in XXXX. And they said there were more than 10 % late charges. I said this unfair and what I was told and they said prove it. 

Yesterday XX/XX/XXXX I received a demand notice from them in an e-mail dated XX/XX/XXXX. It stated I'm late on my payment and owe late charges and they are charging me all the fees for the unnecessary foreclosure that should have never been filed and given me time to pay after the appeal. The demand notice states that if I don't pay it immediately nearly {$8000.00} more, they will file for foreclosure again. 

This is all deceptive. Everything they say is deceptive. I said I was about to pay the XXXX payment and they said they will not accept it only the Demand amount. 

I am XXXX nearly XXXX, I was XXXX of XXXX honorees of the XXXX XXXX XXXX in XXXX XXXX after XX/XX/year> as a special responder to the attack. 

I was recognized by the city council for 8 years of service on a police commission dealing with XXXX laws and trafficking. 

XXXX years ago I was elected to the XXXX XXXX XXXX XXXX. 

All this was provide to them in the re Appeal. I have almost no income other then {$1400.00} SS, some rent and a now vey little from my XXXX XXXX XXXX company which has had multiple disasters in 6 years. 
XXXX. The XXXXXXXX XXXX burnt our XXXX XXXX XXXX associated shop and all to the ground I lost everything, all inventory, equipment and in the middle of the busiest time. It took a year to get going partially and borrowed everything to do so. 
XXXX. Then Covid shut it all down. 
XXXX. Then we could not get steel we needed due to supply chain shortages. 
XXXX. Then we got XXXX  and XXXX and XXXX who worked with me for 40 years and co owned the shop died XXXX weeks apart. 
XXXX. I found a company a large XXXX and XXXX certified company that could make my equipment in Ohio. I packed up all in California and shipped there. 
XXXX. It has taken them a year to get up to speed. The this year could not make machines. They got a large Government contract and everything was going into that. 
XXXX. I have an average of XXXX machines a year and have sold none. They just made XXXX for inventory but no sales it is the end of the paving year. 

They said they did not care. Whatever people told me is not official policy. 

Now they have an impossible new demand including fees they said did not exist when if I paid the {$10000.00} + that should have gone on the back end of the loan and say id I do not pay the deman immediately they will file foreclosure and the fees for that will double.

Company response to consumer: Closed with explanation