Consumer complaint received 2026-05-28 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: MI

Complaint narrative:
I applied for a mortgage modification in XXXX or XXXX of XXXX due to financial hardship ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I was told by the mortgage company, then PHH mortgage, now Onity, that I wasn't delinquent enough. When I fell behind another month, I reapplied. This time I was approved in XXXX of XXXX. I followed the instructions, made the trial payments for XXXX months like I was supposed to. My final mortgage modification agreement was complete at the end of XXXX of XXXX, with my first payments of the new amount beginning in XX/XX/XXXX. I was the only XXXX who filled out the application, only my finances were taken into account. When the agreement came in, it had my name, the name of my ex ( who is not responsible for the mortgage according to our divorce agreement which the mortgage company has ), and the name of my current husband ( soon to be ex ). His name has never been on the mortgage and only my name is on the deed. It took another XXXX days for them to remove the soon to be ex and get me the modified agreement. I contacted them to take the first ex off the agreement but they said they couldn't because the account was delinquent, even though they needed me to be more delinquent in order for the modification to be approved. I contacted him, he initially told me he was going to sign it, but a few days later, he refused. By this time, it was XX/XX/XXXX. Because the modification agreement payments were less than the normal monthly payment, only XXXX regular payments were applied to my loan so in 4 months, I went from being 2 months behind, to being 4 months behind. I contacted the mortgage company again, told them the situation, and asked for options. They gave me no options. It was now the beginning of XXXX and instead of being 3 months behind, I was now 4 months behind. I had weekly calls with a relationship XXXX, each time nothing was resolved. On XX/XX/XXXX, I called the mortgage company to pay XXXX month payment because their online system wouldn't let me. The mortgage company told me they could accept no less than XXXX months payment from me, even though I told them I had XXXX month now and when my VA XXXX compensation came in, I would have another monthly payment. They refused to take one month payment. I told them that because it was a VA loan, they were legally required to work with me to avoid foreclosure. They told me they were, even though they refused to take a payment from me. I contacted the local VSO and filled out an application for the Michigan XXXX XXXX XXXX. I was approved for {$3500.00}, which would cover XXXX monthly payments. I called the mortgage company on XX/XX/XXXX ( because everything was closed for XXXX XXXX ) to let them know and got confirmation that they would accept the money from the XXXX after XX/XX/XXXX and that I could pay the remaining amount. In a recorded conversation, my relationship XXXX confirmed that they would. On XX/XX/XXXX, I got a call from the XXXX stating they needed written confirmation from the mortgage company saying they would accept the payment from XXXX different sources. The person I talked to this time told me the XXXX payment would be rejected if it didn't cover the entire amount that was due. Because the payment wouldn't get there til after XX/XX/XXXX, another monthly payment would be added so the total would be around {$4400.00}. I spent hours on the phone with them trying to resolve this. I was transferred to multiple people, spoke with managers, and they still told me it would be rejected. I told them they had a recording of my relationship XXXX telling me they would accept it after XXXX and I could pay the rest. They said they would have to review the recording and call me back. As of XXXX on XX/XX/XXXX, they have not.

Company response to consumer: Closed with explanation