Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH Mortgage now XXXX is dual tracking. I was in trial modification. I made my first payment in XXXX with no problem. On XX/XX/year> I had called in to make my XXXX payment.Please see attached phone record. I was concerned because I had a foreclosure sale date showing still despite being in the trial. When I spoke to the rep XXXX on XX/XX/XXXX to make my payment and about my concern. I asked them about my sale date. Please pull the call. I asked them why I still have a sale date if they are about to take my trial payment. They told me that even if I make my trial payment, its not a guarantee that my sale date is going to be postponed. So I asked them why was I going to make a payment if they were just going to sell my house? They again said that if I make a payment, its not certain that my sale date will get postponed. PLEASE PULL THE CALL! So why was I going to give my money to them if they were just going to sell my house!? They were not honoring the trial agreement. I had made my first payment and this was happening when I was making my second payment. That is what they told me. I was informed that even if I make a payment they may still sell my house. So basically i felt as if they were advising me not to make a payment because they would take my money and sell my house. This is a illegal what they did. I learned after the fact that the consumer financial protection Bureau prohibits dual tracking. I should've never been told that my house would be sold!!! Instead, I shouldve been told to go ahead and make my payment because they would be postponing my sale date... I need the call pulled from XX/XX/XXXX!. This is completely unacceptable. I am demanding this be looked into. It is very clear that Phh/Onity gave me incorrect information. I truly feel as if they are discriminating against me because I am XXXX! Because XXXX a XXXX! because of My XXXX, race, marital status and national origin. It is also very clear that PHH is doing this not only to me, but most likely many other people! This is negligence. They are hiring people who relay incorrect information and people are losing their homes because of it. This is unacceptable. I was duped. I was scared. I was backed in a corner. I thought I was going to need this money to move out of my house because they told me they would still be selling my house even if I made the trial payment.I need help. They should not be allowed to treat people and their homes this way! Dual Tracking-Consumer Financial Protection Bureau ( CFPB ) actively protects homeowners from wrongful foreclosures by heavily restricting dual trackinga practice where a mortgage servicer moves forward with a foreclosure while simultaneously evaluating the borrower for a loan modification or other alternatives to foreclosure.The CFPB establishes these safeguards under Regulation X of the Real Estate Settlement Procedures Act ( RESPA ). Under the CFPB 's rules, dual-trackingwhen the servicer moves forward with foreclosure while simultaneously reviewing a borrower 's application for a loan modification or other loss mitigation alternativeis strictly restricted.Struggling borrowers are heavily protected by this framework, which aims to prevent homeowners from losing their homes while they actively seek assistance. Key components of these anti-dual-tracking rules include Application Protections : If a borrower submits a complete application for a loss mitigation option ( like a repayment plan or loan modification ), the servicer can not start a foreclosure proceeding, advance an existing foreclosure, or proceed with a foreclosure sale while that application is still pending review.

Company response to consumer: Closed with explanation