Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home 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: AZ

Complaint narrative:
PHH Mortgage Corporation has repeatedly violated federal guidelines under RESPA and Regulation X in handling my mortgage as a successor in interest. These violations align closely with systemic issues identified in the XXXX XX/XX/XXXX article, Mortgage Companies Create Obstacles for Homeowners After Death or Divorce. The article describes how servicers delay loan assumptions, allow unauthorized interference, and fail to protect sXXXX XXXX XXXX XXXXissues that mirror my experiences. Specifically : Reneging on Loan Modifications PHH agreed to multiple trial loan modifications, and I faithfully made the required payments each time. However, they canceled these modifications, often due to interference by my ex-spouse, leaving me in a worse financial position. 
This pattern culminated in PHH reneging on my most recent loan modification, which would have resolved the arrearages. Their refusal to finalize the agreement forced me to file for XXXX XXXX XXXX as a last resort to save my home. 
In XX/XX/XXXX, I entered into a permanent loan modification agreement with PHH Mortgage Corporation. This agreement adjusted the mortgage balance and set new terms, which I complied with. However, PHH reneged on this agreement and is now attempting to enforce a higher mortgage balance that does not reflect the terms of the modification. 
I am attaching documentation showing : The mortgage balance and terms before the loan modification. 
The agreed-upon terms after the XX/XX/XXXX modification. 
The current inflated balance PHH is trying to enforce. 
These documents demonstrate PHHs bad faith and negligence in honoring their own agreements, further contributing to my financial hardship. 

Delays and Interference PHH delayed my loan assumption for years by repeatedly requesting the same documents and failing to act on completed submissions. 
Despite a court order issued on XX/XX/XXXX, granting me sole authority over the mortgage, PHH allowed my ex-spousewho has no financial interest in the propertyto interfere. His interference included canceling trial modifications and blocking my attempts to assume the loan. 

Improper Foreclosure Attempts and Bankruptcy Since XXXX, PHH has initiated multiple foreclosure attempts, forcing me to file at least XXXX bankruptcies to save my home. Most recently, I filed XXXX XXXX XXXX in XXXX because of PHHs aggressive foreclosure efforts. I am now facing a dismissal of this bankruptcy, and I will have no recourse to stop PHHs next foreclosure attempt. 
On XX/XX/XXXX, PHH filed a motion to dismiss my bankruptcy, knowing full well that their own actions caused my financial hardship and that I have no ability to fund the bankruptcy plan due to their mishandling of my account. 

XXXX XXXX XXXX My ex-spouse has a documented history of XXXX XXXXXXXX, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite a court order barring his interference, PHH forwarded critical mail to him and allowed him to cancel trial payment plans. This behavior aligns with the CFPBs findings that servicers often fail to protect survivors by enabling abusers to interfere with accounts. 

Trial Modifications and Pressure PHH pressured me to resolve arrearages caused by my ex-spouse and pushed me into costly trial modifications. Despite making the required payments, PHH canceled these plans due to unauthorized interference by my ex-spouse, leaving me in worse financial and emotional distress. 

XXXX Instructions and Failure to Act In XXXX and XX/XX/XXXX, PHH Mortgage Corporation provided me with detailed instructions on how to assume the loan and remove my ex-spouse from the mortgage. These instructions included executing a quit claim deed, bringing the loan current, and submitting a loan assumption package. Despite my compliance with these steps, including obtaining a permanent loan modification in XX/XX/XXXX and executing the quit claim deed, PHH allowed my ex-spouse to interfere with the process. This interference, which included canceling trial payment plans and disrupting my progress toward assumption, was in direct violation of a XX/XX/XXXX court order prohibiting his interference. 
PHHs failure to protect my rights under RESPA and XXXX XXXX caused significant delays, forced me into multiple bankruptcies, and resulted in ongoing foreclosure threats. I am attaching evidence of PHHs letters, the quit claim deed, and proof of my compliance with their instructions to demonstrate their negligence and the harm caused by their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation