Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
b"Approximately 2-2 1/2 years ago, I experienced a chain of life hardships that required I reach out to my mortgage company (benchmark mortgage at the time.  PHH mortgage bought the mortgage from them and is the company I am filing this complaint on), and filed a hardship packet with them.  Initially they came back and gave me a forbearance and didn't have me pay my mortgage for 3 months, and at the end of that 3 months they had me not make my payment for another 3 months.  After that I was offered a modification agreement to which I accepted.  I made the three required payments to make the mod permanent, but when it came to the signing the modification agreement after making the payments, PHH mortgage had put my ex-wife on the modification, although she was never on the loan.  PHH mortgage and I went back and forth on this, but they refused to remove her.  I met with a few different real estate attorneys, all of which said that PHH didn't not need to put, nor should they put my ex-wife on the modification seeing she was never on the loan to begin with.   At that point, I would have a PHH customer service person, over the phone, tell me that we are all good and the modification has been accepted and I can start making payments at the beginning of the next month.  Then 2-4 weeks later I get a call from PHH telling me that the modification has been rejected, stating something wrong with the signature.  I would literally be told by one person I was good, and then later told I was not good and had to start over with the hardship packet and modification process.  I would literally call to make my payment and they refused me and wouldn't let me, stating they were reviewing my options.   Then the whole cycle would start over.  I'd make the 3 mortgage payments at the offered modification amount, then we would go back and forth about my ex-wife being on the modification.  Eventually, seeing that they were not going to follow the law and they were not going to budge on removing my ex-wife, I was finally able to get her to sign it.  That then started a back and forth with PHH where we would sign and notarize the modification, wait weeks to hear back from PHH, and then be told they have rejected it due to something they didn't like about the signature.  I have been paying the mortgage for well over a year.  This year alone, I have attempted to complete the modification 4 separate times.  All the while making the payment.  First they rejected it saying the notary should have put an aka next to my ex-wife's name.  Then they sent a new agreement with the aka on it.  We got it signed and notarized, only for it to be rejected by PHH, stating that the notary messed up on something.  The last attempt, I was able to get the modification agreement signed and notarized.  I mailed it to PHH 9 days before it was due.  A few days later, I called just to check with PHH that we were all good, fully expecting us to be.  To my horror, they are claiming that they didn't get the agreement until November 10th, and that the agreement was due on the 8th of November, and that now they are going to take my house and sell it on the courthouse steps on January 4th, 2026.  I am married with 3 children living at home ages 4-15.  I have been making the mortgage payment every month for at least the last 15-16 months,  Prior to that, the only time I didn't make a payment was when they told me I didn't have to, or when they wouldn't let me.  This is absolutely predatory lending.  Please help me and my family.  One last thing, PHH mortgage committed massive crime by sharing my personal and financial information with a person who they are not authorized to share that information with."

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