Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : Urgent Complaint Wrongful Foreclosure, Servicing Errors, and Loss Mitigation Violations Loan Servicer : Onity Mortgage Corporation ( formerly PHH Mortgage Corporation ) Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, We are submitting this complaint to report urgent and serious errors in the servicing of our mortgage loan, which have resulted in our home being placed into foreclosure despite our active efforts to comply with all requirements. We were enrolled in a forbearance and/or repayment plan with our mortgage servicer and have been making payments in accordance with the terms communicated to us. At all times, we acted in good faith and believed we were meeting our obligations. We were recently notified that our home is scheduled for foreclosure sale on XX/XX/year>. This was a complete surprise. The servicer has stated that foreclosure action was taken because a required agreement letter was not signed and returned. However, we did not receive this letter. As a result, we were not given a fair opportunity to comply with any additional requirement. Despite this, we continued making payments under the belief that we were performing under the agreed plan. The servicers decision to move forward with foreclosure under these circumstances indicates a breakdown in communication and potentially improper servicing practices. We believe the following issues have occurred : Failure to provide required notices and documentation necessary to complete our repayment or loss mitigation plan Improper handling of our loss mitigation account while we were actively performing Initiation or continuation of foreclosure activity despite ongoing borrower compliance Potential dual tracking concerns if foreclosure proceeded while mitigation efforts were active We have taken immediate steps to resolve this matter, including : Reapplying for loss mitigation assistance Submitting a formal Notice of Error under RESPA disputing the foreclosure Contacting the servicer to request a foreclosure hold and escalation However, we have not received meaningful resolution, and foreclosure proceedings remain active. We are requesting the CFPBs immediate assistance with the following : Investigation into the servicers handling of our account and potential violations of federal servicing regulations Assistance in ensuring that foreclosure activity is paused while our case is under review Verification of whether proper notices were sent and whether procedures were followed Support in facilitating a fair opportunity for us to resolve our loan and remain in our home This matter is extremely time-sensitive. Without intervention, we risk losing our home despite our good faith efforts to comply with all requirements. We respectfully request urgent attention to this complaint and assistance in preventing an avoidable foreclosure. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation