Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Case # XXXX After filing a complaint with the Consumer Financial Protection Bureau XXXX XXXX Ombudsman sent correspondence agreeing to hold a check in the amount of {$3500.00} from the Mortgage Relief Program and to allow me to pay the balance of {$1100.00} as a down payment for a repayment plan. They indicated that this was an exception and that XXXX XXXX XXXX should send the funds as soon as possible. 
On XXXX XXXX I sent an email to the XXXX Ombudsman clarifying that at no time did PHH notify me that it would reject the original check after I made numerous calls to company. In that email I asked specifically how much would the down payment be in order to be considered for a repayment plan. 
On XX/XX/XXXX, I received an email response from the Relationship XXXX from XXXX  Mortgage clarifying the letter from the Ombudsman the email stated Please be advised the required down payment is {$4600.00} and if the mortgage relief send {$3500.00}, the remaining amount required will be {$1100.00} as you mentioned that you will be able to arrange the remaining balance by XX/XX/XXXX. ( a copy of that e-mail is attached ). 
After receiving the XX/XX/XXXX, email from XXXX  I diligently started making inquiries on the status of reissuing the check from XXXX XXXX XXXX. After numerous phone calls and emails I met with the staff of the Mortgage Relief Program on XXXX XXXX who stated that XXXX XXXX XXXX XXXX Department wanted a guarantee that PHH Mortgage would accept the check if it was reissued. I called the XXXX XXXX and was informed that XXXX  mortgage would hold the check upon receipt and allow me to send the {$1100.00}. 
On XX/XX/XXXX, XXXX Ombudsman sent a letter again stating that the XXXX Department would hold the check from the Mortgage Relief Program upon receipt and that they would assist me as a exception, and would receive partial payment on the account temporarily. 
It is to be noted that at XXXX XXXX was I given a DEADLINE to has the funds sent. The letter stated as soon as possible. 
On XX/XX/XXXX, I then received a letter from XXXX Mortgage entitled : XXXX XXXX with the total amount of the reinstatement to be {$8500.00} in order to bring the account current. In addition, the deadline for receipt of this payment was XXXX XXXX. 

Once again after numerous phone calls I went to the office of the Mortgage Relief Program On XX/XX/XXXX and spoke with my case XXXX XXXX XXXX ( XXXX ) to ask when the XXXX check would be sent to XXXX Mortgage. He indicated that XXXX had approved the reissued check for {$3500.00} and that XXXX should receive the check in XXXX working days. 
On XX/XX/XXXX, I sent an email to XXXX Ombudsman notifying them that the XXXX check was approved and to call me and hold the check until I send my portion of the down payment. 
On XXXX XXXX after sent the email I received a call from a mortgage relations XXXX notifying me that I had to pay the full amount of my past due mortgage which is now over {$9000.00}. 

As a response to the email sent to the XXXX ombudsman. The research XXXX at the mortgage company stated that as of XX/XX/XXXX, they had not received a check. ( It should be noted that It had been only been XXXX working days since I had notified the company that the check was in route. 
In addition the letter stated that I had to pay the full amount over XXXX and that there is no repayment plan. 
This is unfair and unethical. It has been less than XXXX weeks that a repayment plan agreement was presented and now XXXX Mortgage has reneged on this agreement because they could not receive the XXXX check immediately. 
I am not in control of XXXX XXXX XXXX XXXX and could not expedite the countys payment process. 
Their previous and current actions are designed to force me to go into FORECLOSURE!

Company response to consumer: Closed with explanation