Ocwen Financial Corporation

In XX/XX/year> I fell behind, I was due XXXX, XXXX and then XXXX, I was set to make a payment and I called then to do so, when I called they asked why I fell behind, I explained and they stated I was eligible for a deferment for the past due, We discussed this, they sent me the approval, they actually sent it twice. I called back and we discussed the escrow shortage being paid over XXXX months, they put in a ticket to have someone explain the increase in the payment, which they did, so I took the deferral. I use the payment I had to pay credit card debt, I am very much so in debt and its a struggle I am treading water on. I received a letter on XX/XX/XXXX saying I was not eligible for assistance, I call, it said nothing about the deferment, but I was curious, they told me I was in an approved deferment, that letter just was saying I wasn't eligible for any other assistance plans.…

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Last year I completed a loan modification with XXXX XXXX. The sold it to a company called PHH, which is now Onnity. The did " escrow analysis '' and raised my morgage from {$1800.00} to {$2100.00}. I informed them that this goes against my modification agreement, and they need to correct it. They offered to research the issue, when I asked for legal, they blew me off.

Complaint against : Onity Mortgage Corporation ( formerly PHH Mortgage ) Account # : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, PA I am submitting this complaint regarding improper mortgage servicing, inaccurate delinquency reporting, and failure to properly respond to repeated requests for information. My account is currently shown as being in a Temporary Loss Mitigation Program with a reduced payment of {$910.00} due XX/XX/XXXX. However, the same statement asserts that my account became delinquent as of XX/XX/XXXX and that I am approximately 351 days delinquent with a total past due amount exceeding {$16000.00}. This is the central issue of my complaint. The loan modification associated with this account was not approved until XX/XX/XXXX. Despite this, the servicer is asserting a delinquency beginning XX/XX/XXXX, XXXXprior to the modification approval and during the time I was in active loss mitigation.…

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MY " VA LOAN MODIFICATION AGREEMENT '', MONTHLY PAYMENTS ARE NOT BEING HONORED. I'M IN FEAR, WORRYING, AND BEING STRESSED TO HARASSMENT FROM FORMERLY PHH MORTGAGE SERVICES, NOW CALLED ONITY MORTGAGE SERVICES. MENTIONING THAT MY MONTHLY PAYMENTS HAVE NOT BEEN RECEIVED, THROUGH NUMEROUS FRAUSTRATING RECORDED PHONE CALLS ABOUT MY MORTGAGE PAYMENTS. PHH/ONITY MORTGAGE SERVICES ARE SENDING ME CORRESPONDENCE WITH " FORECLOSURE '', " MY ACCOUNT IS IN DEFAULT '', " LATE PAYMENTS '', AND " DELIQUENT ON MY MORTGAGE LOAN '' ( SEE ATTACHMENTS ), ETC. AND ITS STRESSING, DRAINING ME EMOTIONALLY, GIVING ME SLEEPLESS NIGHTS OF WORRIES! ONITY BEING MY NEW SERVICER ( SEE ATTACHMENT ) SINCE XX/XX/XXXX HAS BEEN A CONSTANT BACK AND FORTH ; I'M BEGINNING TO BELIEVE THAT THEY WANT ME TO FORECLOSE AND DEFAULT ON MY PAYMENTS-WHICH I'VE NEVER BEEN LATE ON ( SEE PAYMENT RECEIPTS ) -TO TAKE OVER MY HOME. I'M FEELING THAT THEY'RE PREDATORY AND SCHEMING TO " FIND ME IN DEFAULT!…

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XX/XX/XXXX Missed mortgage payment. XX/XX/XXXX Missed mortgage payment. XX/XX/XXXX ( Dated ) Early intervention Letter Received Designated Contact ( DC ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Reads : This account is in default and due for the XX/XX/XXXX payment. Please contact us about the missed mortgage payment ( s ). XX/XX/XXXX Called Onity Mortgage ( PHH Mortgage ), Customer Service, to make a payment and to discuss a payment arrangement for the XXXX months I was behind. The representative I spoke to said, If the payment did not include both XXXX and XXXX payments Onity Mortgage ( PHH Mortgage ) would not accept a payment. Also, to set up a payment arrangement, I would have to pay XXXX and XXXXXXXX XXXX payments. They did not offer a forbearance option. I was instructed to submit an XXXX.…

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NOTE : This is a NEW complaint. Prior complaint # XXXX was improperly closed by PHH on XX/XX/XXXX using an " unauthorized third party '' response without resolving any of the underlying issues. I am XXXX XXXX, the sole borrower of record, filing solely in my own name. No third party is involved in this filing. Loan : XXXX ( XXXX ) Property : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Servicer : PHH Mortgage Services ( NMLS # XXXX ) Prior CFPB Complaint : # XXXX ( improperly closed XX/XX/XXXX ) BACKGROUND : My VA-backed manufactured home was destroyed by fire on XX/XX/XXXX ( Fire Incident Report # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The structure was fully demolished under county Demolition Permit XXXX ( XX/XX/XXXX ). The property is now vacant land. My homeowner 's insurance issued {$240000.00} in loss proceeds. My loan transferred from XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) to PHH Mortgage on XX/XX/XXXX.…

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I am filing a complaint regarding PHH Mortgage ( now Onity Group Inc. ) and its handling of my short sale request. The process has been marked by poor communication, inconsistent information, and a lack of transparency that has delayed progress and put the transaction at risk. I have repeatedly experienced difficulty reaching the appropriate department. The short sale team does not respond to emails in a timely manner, and there is no direct way to contact them. Customer service representatives are often unable to provide meaningful updates, and supervisors frequently lack the necessary information to address my concerns. As a result, I have been unable to get clear or reliable answers about the status of my file. Additionally, I have received conflicting information throughout the process. On more than one occasion, I was told that all required documentation had been received, only to later be informed that documents were missing or incorrect.…

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I am submitting this complaint regarding issues I have experienced with my mortgage servicer during an ongoing foreclosure situation. I have made multiple good faith efforts to resolve my mortgage delinquency and avoid foreclosure, including applying for loan modifications prior to entering foreclosure. My initial application for a modification was denied because I was told I was not far enough behind on my mortgage. Following that, I continued to apply for additional modifications ; however, each request was denied. As I continued to pursue assistance, I was eventually informed that there were too many modification applications in the system. I was working with a free mortgage counselor at the time, and based on guidance I received, it was suggested that all prior modification applications be removed so that I could reapply properly. At the beginning of the year, I was told that the prior applications would be deleted to allow for a fresh submission.…

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We were in a three month loss mitigation plan. XXXX XXXX we spoke and paid the final payment of the plan and were told * congratulations * on making your final payment and getting into the modified mortgage plan and some one would reach out. XX/XX/XXXX we were called by a account rep they did not leave a message. We spoke to phh/onity after this and paid in full afterwards too. Were told congratulations afterwards. We got no correspondence online or in mail in the month of XXXX. Ive been told 4 dates if email by 3 people. XX/XX/XXXX, XXXX. ... turns out they sent it by mail not email as per their system. Their system preemptively emails to our document center on our mortgage account anything that is snail mailed. The document ( a request for correspondence apparently- titled - attestation- ) is not in our account on any standard. I was then sent a link where I was made to make a XXXX account to open an encrypted email showing me what they allege they sent to me by mail.…

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In XX/XX/XXXX, I requested FHA forbearance due to unemployment and loss of income. My Mortgage Assistance XXXX was marked complete on XX/XX/XXXX. However, my servicer, Onity Mortgage ( formerly PHH Mortgage ), misrouted my request into a loan modification instead of properly evaluating me for forbearance. I was placed into a trial payment plan that I did not request. During this time, I was advised not to make my XX/XX/XXXX payment while my account was under review. As a result, my account became delinquent. I was later approved for only a short-term ( XXXX ) forbearance, which ended in XX/XX/XXXX. My financial hardship has continued, and I currently have no income. Before the forbearance ended, I requested a forbearance extension due to ongoing hardship. However, my request was not properly reviewed. Instead, it was processed as a new Mortgage Assistance Application and denied.…

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XXXX XXXX transfer mortgage to PHH without notice from either company. Website shutdown. Found i formation by web search and found news article. I made XX/XX/XXXX payment to XXXX XXXX XX/XX/XXXX, XXXX XXXX removed funds from the bank XX/XX/XXXX which was unusual. Called PHH twice a month from XX/XX/XXXX to XX/XX/XXXX with company response " You Are not in the system, we can not take payments for an account that doesn't exist. XXXX is was in their system and still refused to take my payment. XXXX i received Foreclosure notice. Called, tried ro make arrangements to fix any issues, sent in forms, payment receipts, bank statements, and income verification letters. PHH sent my mortgage to collection, which made me ineligible for assistance. Also made me ineligible to take out bank loans to pay off past due balance. VA assistance funding for XXXX and VA Home Loan overview was expired and unavailable due to XXXX oversite.…

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Rebuttal to Onity Response / Incomplete and Nonresponsive Servicing Investigation To the Consumer Financial Protection Bureau, I submit this rebuttal regarding Onity Mortgage XXXX response concerning Account No. XXXX and the property located at, XXXX, TX XXXX. Onitys response remains incomplete and nonresponsive. This is not just a complaint about one incorrect phone statement. It is a record-integrity problem, a successor-in-interest handling problem, a payment-status problem, a foreclosure-expense transparency problem, and a modification-document problem. Onity admits that on XX/XX/XXXX its representative incorrectly advised that the final modification agreement had not yet been generated, even though Onity claims that agreement had already been generated and mailed on XX/XX/XXXX. That admitted misinformation goes directly to the loss-mitigation process and may have interfered with timely execution and return of the agreement. Under 12 C.F.R.…

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My loan is currently under an approved modification plan and the first payment was scheduled to be made on XX/XX/year>, that payment was made on XX/XX/year>. The mortgage company still has an active foreclosure sale date scheduled for XX/XX/year> even though I am under an approved modification. The company refuses to remove the foreclosure sale despite my approved modification and my completed payments.

I am filing a complaint regarding a significant error in my mortgage escrow account that has not been resolved despite multiple attempts to address it directly with my mortgage servicer. My mortgage company shows a property tax disbursement of approximately {$95000.00} from my escrow account. However, I have confirmed directly with XXXX XXXX tax office that they only received {$5000.00}. This leaves approximately {$90000.00} unaccounted for. As a result of this apparent error, my mortgage servicer has dramatically increased my monthly payment to approximately {$24000.00} due to what appears to be an artificially created escrow shortage. This payment amount is incorrect and not financially feasible. I have contacted my mortgage company multiple times and escalated the issue.…

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I am filing this complaint against Onity Mortgage Corporation ( formerly PHH Mortgage Corporation ) regarding the improper denial of my loan modification after I successfully completed all required trial payments. On XX/XX/year>, Onity notified me that my account was no longer eligible for mortgage assistance because I allegedly failed to provide an affordability attestation within XX/XX/XXXX days. I am disputing this for XXXX reasons. First, the request was never properly delivered. My account is coded for paperless communication, confirmed by multiple Onity and PHH representatives on recorded calls. The attestation request was sent by U.S. mail only and I never received it. It was also never uploaded to my online document portal. As of XX/XX/year>, no such request appears anywhere in my account. I have enclosed a portal screenshot confirming this. XX/XX/XXXX, I actively contacted Onity within the timeframe and received no warning.…

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I closed on a mortgage in XX/XX/year>XXXX for {$290000.00}. I made a lump sum payment on my mortgage on XXXX in the amount of {$260000.00}. My balance is now {$28000.00}. I sent a secure message on XXXX-26, asking how to remove the Private Mortgage Insurance. They replied saying they would mail me the information. On XXXX-26 they generated a letter stating I would have to pay for an appraisal in order for them to see if they could remove the PMI. It is my understanding that under the Homeowners Protection Act, lenders must automatically terminate Private Mortgage Insurance ( PMI ) when your principal balance is scheduled to reach 78 % of the home 's original value ( 22 % equity ), provided you are current on payments. I have also called the company and asked them to remove the PMI since I made the large principal payment. But they refuse to do so without an appraisal that I have to pay for.

I am the property owner in XXXX XXXX this. Mortgage lien the plaintiff is attempting to foreclose upon was satisfied and a formal discharge of the mortgage was recorded in XXXX. The plaintiff is currently pursuing a foreclosure based on corrective assignments filed in XXXX that contradicts the official records. I am not looking for a loan modification. I am looking to get a choir title action. I have the record, I have the recorded deed, I have the records of the discharge, and I have a HUD XXXX settlement statement ready for your review. Additional information provided by consumer : XXXX Please send this to PHH Mortgage

Mortgage company does not send monthly statements or year end statements. Claim that they are not required to .. i pay my mortgage every month. Have no idea what balance is .. cant file income tax because no XXXX with property tax and interest on mortgage ... last statement received was XX/XX/year> and i had to fight to receive it...

I am filing a complaint regarding a mortgage servicing transfer error involving PHH Mortgage ( XXXX XXXX XXXX XXXX and XXXX XXXX. I made my XX/XX/XXXX mortgage payment via XXXX XXXX bill pay on XX/XX/XXXX to PHH Mortgage. My bank has confirmed that this payment was successfully delivered and cashed by PHH Mortgage on XX/XX/XXXX. Shortly thereafter, my loan servicing was transferred to XXXX Mortgage. XXXX is now stating that they never received the XXXX payment from PHH Mortgage and is treating my account as delinquent, despite the fact that the payment was made in full and on time. All subsequent payments ( XXXX through XX/XX/XXXX ) have been made on time and properly processed. PHH Mortgage received and cashed my payment but failed to properly transfer or apply those funds during the servicing transfer.…

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CFPB COMPLAINT FAILURE OF NEW SERVICER TO HONOR VA XXXXXXXX APPROVAL / WRONGFUL DELINQUENCY STATUS Product : Mortgage Issue : Incorrect information on account / Trouble with mortgage / Servicing transfer XXXX XXXX XXXX XXXX XXXX What happened I am filing this complaint against my current mortgage servicer for failing to correct and honor a VA-approved loan resolution ( XXXX ) and for continuing to report and act on an incorrect delinquent loan status that was inherited from the prior servicer. This loan is a VA-backed mortgage, and the Department of Veterans Affairs ( VA ) has confirmed : - Approval under the VA Servicing Purchase XXXX XXXX ) program - Payment of the entire loan on XX/XX/year>XXXX - Approved loan terms, including a 2.5 % interest rate Despite this, my current servicer : - Claims they have no record of my XXXX approval XXXX Refuses to honor the 2.5 % VA-approved rate - Continues to treat my loan as delinquent - Is relying on incomplete and inaccurate data…

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I am filing this complaint due to ongoing servicing errors, misrepresentation, and mishandling of my loss mitigation application by PHH Mortgage ( Onity ), which have directly caused financial harm and placed my home at risk. I have been in an active loan modification process since approximately XX/XX/XXXX. Over the course of nearly 10 months, PHH has repeatedly claimed that my application is incomplete, despite multiple submissions of requested documents. I have received numerous conflicting notices, including repeated acknowledgments of receipt followed by incomplete determinations without clear or consistent explanation. Recent events demonstrate serious servicing failures : XX/XX/XXXX : PHH issued a written payment deferral offer, stating I had until XX/XX/XXXX to accept. XX/XX/XXXX : I was contacted by a PHH relationship XXXX ( XXXX XXXX, who incorrectly stated that I had already accepted the deferral.…

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I have called 3 times now asking for info and I keep hearing call back tomorrow, we dont have access to your account Etc. my loan was sold from Cenlar to PHH or soon to be Onity. No transparency, or communication. I just want to pay my mortgage and keep going. I have not received a packet or welcome letter. First rep told me I had to re sign up. 4th rep said my info and auto draft should transfer. I just want to see my payment come out. It is now 5 days late. I budget weekly / monthly. This will cause me financial issues. Granted I moved the cash over and have it separated I like to see my bills come out as scheduled. The economy is rough & prices are at an all time high. Please fix this communication issue, take my mortgage payment and let me live in peace. The 1.1 star rating online does not help put my mind at ease. It also does not help that the hold times are rough and reps have a non professional way of answering and talking on the phone.…

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PHH aka now Onity informed borrowers on loan modification due to medical hardship. they put loan under review of modification and while wife ( borrower ) informed PHH/Onity that my husband who is XXXX XXXX XXXX XXXXXXXX Permanent and total medical hardship increased to us staying in XXXX XXXX and XXXX XXXX for moths awaiting XXXX XXXX they deceptively said no new news on mortgage after many calls and moved into forclosure for XX/XX/XXXXXXXX when ( wife/ borrower ) has been on the phone asking and seeking help and getting updates of loan modification for weeks 2-3 times a week from transpant unit and they saying no new news on modificaiton and dont have to pay until modification complete and all the while saying on XX/XX/XXXX that they denied modification on XX/XX/XXXX and will proceed to forclosure XX/XX/XXXXXXXX when borrower was on the phone with them on XX/XX/XXXXXXXX and all agents/reps there never releasing info until XXXX XXXXXXXX that loan mod was denied a long time ago…

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Mortgage company PHH which is now Onity has failed to pay my XXXX property taxes with my escrow money. I have spoken to their customer service twice, 1st attempt was XX/XX/XXXX and then again on XX/XX/XXXX. I was told both times that they couldnt tell me when my taxes would be paid. I have received a pre-foreclosure notice from my county stating that if the taxes are not paid by XX/XX/XXXX, they will foreclose on my home.

I am filing a complaint against PHH Mortgage Services regarding improper fees, servicing errors, and failure to respond to a Qualified Written Request ( QWR ). On XX/XX/year>, I requested a mortgage payoff statement and simultaneously submitted a Qualified Written Request ( QWR ) disputing late fees included in my payoff and requesting a full audit of my account. I clearly informed PHH that I was under contract to sell my home and scheduled to close on XX/XX/year>. PHH issued a payoff quote valid only through XX/XX/year>, instead of a standard XXXX payoff, which interfered with my ability to close. I repeatedly contacted PHH requesting updated information and resolution of the disputed fees. Due to PHHs failure to respond, my closing had to be rescheduled to XX/XX/year>. Despite being aware of my pending sale and ongoing dispute, PHH referred my loan to foreclosure on XX/XX/year>. I was not properly notified prior to this action.…

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Subject : Formal Dispute of Denial Notice dated XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Loan Number : XXXX To the Office of the Consumer Ombudsman, I am writing in response to your correspondence dated XX/XX/XXXX I formally dispute your finding that the XX/XX/XXXX, Account Modification Agreement was delivered. I maintain that this agreement was never received, and therefore, the subsequent denial based on a " failure to return '' the document is invalid. Please address the following points : Failure of Delivery : While you have provided " proof of mailing, '' I have no record of this document arriving at my residence. As you noted, these offers are sent via regular mail rather than certified mail, leaving no paper trail to confirm actual delivery to the homeowner.…

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I am submitting this complaint regarding PHH Mortgages handling of my VA-backed mortgage loan and loss mitigation applications. I submitted a complete mortgage assistance application on XX/XX/XXXX. Despite providing all required documentation, PHH did not mark my application as complete until XX/XX/XXXX, due to an internal property valuation process that was outside of my control. During this time, I continued to receive conflicting and inaccurate correspondence, including notices stating my application was incomplete or that additional documents were requested when they were not. A decision was not made until XX/XX/XXXX, and my application was denied using PHHs internal completion date rather than my actual submission date. This delay caused me to become more delinquent than I was at the time I applied, negatively impacting my eligibility for assistance options. I submitted a timely appeal on XX/XX/XXXX, which has now been denied.…

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I am submitting this complaint regarding PHH Mortgage XXXX Onity Mortgage and the handling of my mortgage account, which is currently scheduled for foreclosure sale on XX/XX/year>. For several months, I proactively contacted PHH Mortgage to inform them that I was experiencing a temporary financial hardship due to unforeseen circumstances, including two automobile accidents that resulted in medical expenses and temporarily prevented me from working, as well as a death in my family. During this time, I made multiple attempts to seek assistance and was repeatedly advised by PHH Mortgage XXXX Onity Mortgage customer service representatives to wait until the following month to pursue a forbearance plan or payment arrangement because my new employment would be starting. I relied on this guidance in good faith.…

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I am filing a complaint against PHH Mortgage regarding what appears to be inaccurate and deceptive mortgage balance accounting after a servicing transfer from Ocwen to PHH. My mortgage was previously serviced by Ocwen. In XXXX, Ocwen issued an IRS Form 1099-C for this mortgage loan, reporting cancellation of debt in the amount of {$230000.00} for the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Years later, after servicing transferred from Ocwen to PHH in or about XX/XX/XXXX, that same debt amount appears to have been added back into my loan through a later loan modification, but the modification documents do not clearly disclose that a previously canceled/discharged amount was being reinstated. The balance history reflects major unexplained increases. The reported mortgage balance was about {$300000.00} in XXXX, {$380000.00} in XXXX, {$610000.00} in XXXX, and {$700000.00} in XXXX. The current payoff is about {$700000.00}.…

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I am seeking assistance regarding my mortgage servicer, PHH Mortgage ( Onity Mortgage ), and their handling of my request for continued disaster-related forbearance following the XXXX wildfire in XXXX, California. My home was impacted by a declared disaster, and I previously received wildfire-related forbearance. In XX/XX/scrub> 2026, I requested an extension of this forbearance due to ongoing hardship directly tied to the disaster. I specifically requested that my situation be handled under California XXXX XXXX disaster-related mortgage relief protections. I have raised this repeatedly with the company, both in writing and by phone. Despite this, PHH has not processed my request as disaster forbearance. Instead, they have required me to go through a standard hardship application process, including answering interview questions and undergoing a XXXXday review for approval or denial.…

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Complaint Against : PHH Mortgage Services ( XXXX XXXX XXXX XXXX ) I am filing a formal complaint regarding ongoing mortgage servicing errors that have resulted in financial harm and an improperly created delinquency status. Beginning in or around XX/XX/year>, my mortgage servicer failed to properly process valid homeowners insurance documentation. Despite continuous valid insurance coverage, the servicer improperly imposed force-placed insurance, applied unauthorized escrow charges, and assessed late fees. The issue was addressed and corrected in or around XX/XX/year>. However, the same issue reoccurred in XX/XX/year>, demonstrating a repeated failure to properly service the account.…

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