Ocwen Financial Corporation

I was complaint about my VA assumption Loan in delay process so I couldn't get to move on my life and this loan take from XXXX, XXXX XXXX to XX/XX/XXXX. This demanding letters to the PHH Mortgage and looking for my financial damange Cover Letter ( My demand Letters ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PHH Mortgage Corporation Attention : Legal Department / Customer Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand Breach of Contract, Negligence, and VA Loan Servicing Failures To Whom It May Concern, I am writing to formally demand compensation for damages caused by PHH Mortgage Corporations mishandling of my VA loan assumption process.…

Complaint Against Mortgage Lender Regarding Misleading Promotion and Failure to Disclose Material Terms I am submitting this complaint regarding a promotional offer advertised by my mortgage lender, which stated that if they could not meet or beat a competitors loan offer, they would provide a gift card equal to my first principal and interest payment, up to {$2000.00}. During my interaction with the companys representative, I explicitly referenced this promotion and asked about it directly. I also clearly explained that I had received a significantly lower rate offer ( approximately 4 % ) from another lender and asked if they could match or beat it. The representative acknowledged my inquiry and responded by asking me to send the competing offer so they could review it and see what they could do. At no point during this conversation did the representative disclose any limitations, exclusions, or conditions associated with the promotion.…

i had apply for a loan modification with XXXX XXXX XXXX XXXX and they were in comunication with phh XXXX they confirmed my payments received than the XXXX XXXX XXXX asked me to send payment to them as they will hold it in escrow for when there was a solution at the and of the day i received a letter from a new owner the house was foreclosed i was not notified i had no idea there ' a fraud between Phh mortage service, XXXX XXXX XXXX, fl XXXX and XXXX XXXX XXXX i need the foreclosue to be reverse tis must get investigated.

I am filing a complaint regarding the handling of my FHA Partial Claim Modification by Onity Mortgage. As a result of the denial, I have now received a Notice of Intention to Foreclose dated XX/XX/year>, despite having submitted the original modification package well before the deadline and promptly correcting every issue identified by Onity Mortgage. I received the modification documents on XX/XX/year>, and signed and returned the completed package on XX/XX/year>, two months before the stated deadline of XX/XX/year>. On XX/XX/year>, nearly seven weeks after my original submission, I was notified for the first time that the documents could not be accepted because they were printed double-sided. I immediately corrected the issue and returned the replacement package on XX/XX/year>. On XX/XX/year>, I was notified that the replacement package could not be accepted because the notary crossed out the word " city '' and replaced it with `` county '' on the acknowledgment page.…

My XXXX XXXXXXXX loan was transferred from XXXX XXXX to XXXX on XX/XX/year>. XX/XX/year>, I received a document from Onity titled Payment Change. This document just said that my my monthly automatic mortgage withdew would be increasing from {$2300.00} to {$2800.00}. A {$500.00} increase. This new payment is higher then my mortgage payment that caused me to apply for the XXXX program. My situation is worse then it was before my XXXX loan modification. I will be pushed into foreclosure. XX/XX/year>, I requested an explanation as to why this was happening on the Onity secure messenger. I did not receive a reply. On XX/XX/year> I emailed XXXX at Onity a Relationship Manager for an explanation. XX/XX/year> I received Onitys response letter dated XX/XX/year>, stating the increase is entirely caused by a new XXXX escrow-shortage repayment plan. Onity did an escrow analysis on XX/XX/year> and determined my escrow account had a shortage of {$6600.00}.…

On XX/XX/XXXX, I submitted XXXX required form requesting my mortgage payment be split into XXXX equal automatic drafts on the XXXX and XXXX of each month ( twicemonthly ). My account was current at the time. The form states processing takes XXXX days, but Onity never acknowledged or processed it. I called on XX/XX/XXXX and was told the form was received and to allow another 10 days. I emailed again with no response. Because Onity had not set up the ACH, I paid {$400.00} on XX/XX/XXXX toward the XXXX payment. On XX/XX/XXXX, I called again and was told : the form was received on XX/XX/XXXX and was on file the remaining XXXX payment would be drafted between XX/XX/XXXX no late fee would be charged No draft occurred, and a late fee was added. During this call, the representative repeatedly insisted that I had requested biweekly payments, even though my written form clearly selected twicemonthly payments with specific dates.…

Dear Consumer Financial Protection Bureau, I need your help. Can you please help me? My house is about to be auctioned out in a foreclosure on XX/XX/XXXX due to Onity violating the dual tracking rules, moving forward with a foreclosure while processing my modification. PHH is currently being sued for doing exactly this. PHH changed their name to Onity, ( most likely because of this lawsuit ). I have been unemployed for almost XXXX years, the pharmaceutical company I was with lost their patent and laid off all its sales force. I was sending out resumes over XXXX resumes a month, getting to panel interviews only to be ghosted at the end. The job market in the XXXX XXXX has been extremely difficult until recently. Before this time, I always paid my mortgage on time and had an XXXX credit score. I used up my XXXX and ran up my credit cards trying to stay up with living expenses. I unfortunately stopped paying my mortgage a year ago.…

Mortage Servicer of 9 years -- -PHH XXXX Hi XXXX, We're excited to let you know that PHH Mortgage is changing its name to Onity Mortgage in a couple months. XXXX XXXX -- - We are excited to announce that PHH Mortgage is now Onity Mortgage. Your mortgage servicer is not changing, and there is nothing you need to do related to our name change. We are the same company with a nearly 40-year legacy of serving homeowners, but now with a new name that is built with our customers in mind. People do business with us because they trust we are going to get it done and get it done right. XXXX -- In case you missed our news, PHH Mortgage is now Onity Mortgage! Youve probably already noticed our new name on our website, emails, letters and other communications.…

I did a loan modification at the end of XXXX beginning of XXXX due to a family hardship. When I did the loan modification everything was fine but then the payment after the loan modification jumped up {$800.00} due to insurance and property taxes increasing. My in-laws moved in and we were supporting them and keeping their mortgage going at the same time while my father-in-law was on XXXX until he past this XX/XX/XXXX. We listed the home to keep from going into foreclosure XX/XX/XXXX at the lowest amount they stated they would take {$700000.00} for a short sale ( 88 % ) of the amount owed ( {$780000.00} ). At this time my loan was with PHH. Fast forward to XXXX we started fire saling the home to get a contract to stay the foreclosure date and get it sold for as much as possible. PHH sold my mortgage to Onity in XXXX and on XXXX the short sale negotiator I was working with had to resend all the documents to the new company Onity.…

I am filing this complaint against Onity Mortgage Corporation, formerly known as PHH Mortgage Corporation, regarding mortgage servicing errors, escrow handling, rejection/mishandling of my payment, and improper late fees after my loan modification was transferred from the prior lender/servicer. I entered into a written loan modification with XXXX XXXX XXXX XXXX XXXX. Under that modification, my principal and interest payment was set at {$1200.00}, with escrow then estimated at approximately {$530.00} {$530.00}, for a total payment of approximately {$1800.00} {$1800.00}. I was making payments under the modified terms. After Onity/PHH took over servicing or control of the account, PHH issued a XX/XX/2026 escrow analysis that increased my payment to {$2100.00} effective XX/XX/2026. The increase was based on a claimed escrow shortage of {$4800.00} spread over 12 months.…

I. Background & RESPA ViolationsI am filing a formal complaint against Onity Mortgage ( formerly PHH Mortgage Corporation ) for operational escrow failures, severe billing mismanagement, and timeline violations under the Real Estate Settlement Procedures Act ( RESPA ), specifically 12 CFR 1024.17 and 12 CFR 1024.35. Following a formal Qualified Written Request ( QWR ) regarding a county property tax overpayment, the servicer generated an Escrow Analysis Statement dated XX/XX/year>, which exposes systemic billing delays and deceptive document dispatch timelines. ( See Attachment XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/year> : I formally notified Onity of my property tax reduction and uploaded the XXXX XXXX approval letter. Onity failed to act on this official documentation.…

SUPPLEMENTAL CFPB COMPLAINT / NOTICE OF ERROR / REQUEST FOR INFORMATION / CREDIT REPORTING DISPUTE Borrowers : XXXX XXXX XXXX and XXXX XXXX XXXX Property : XXXX XXXX XXXX, XXXX, CA XXXX Loan / Account Number : XXXX Servicer : Onity Mortgage Corporation , formerly PHH Mortgage Corporation Original CFPB Complaint ID : XXXX Original CFPB Complaint Submitted : XX/XX/XXXX Onity Response to Original Complaint : XX/XX/XXXX Related State Assistance Application : XXXX XXXX XXXX / XXXX Requested Relief : Deletion of 30-day late reporting, XXXX correction, fee waiver, ledger correction, production of XXXX records, and rescission/closure of default or pre-foreclosure activity tied to the disputed state-assistance cycle. I. PURPOSE OF THIS SUPPLEMENTAL COMPLAINT This is a supplemental CFPB complaint, formal RESPA Notice of Error, Request for Information, and direct credit-reporting dispute concerning Onity Mortgage Corporations handling of my VA-backed mortgage account.…

I am submitting this complaint regarding the servicing of my FHA-insured mortgage loan and repeated denial of mortgage assistance despite my active cooperation and attempts to resolve the delinquency. My hardship began following my divorce due to an interruption in court-ordered child support income, which temporarily affected my ability to remain current on my mortgage. My employment income has since stabilized, and I have repeatedly informed the servicer that I am able and willing to resume my contractual mortgage payments. I was initially approved for a mortgage modification ; however, the documents were repeatedly returned to me due to alleged notary signature placement issues. I corrected and resubmitted the documents multiple times in good faith. Despite my efforts to comply, the modification was ultimately treated as incomplete or failed.…

On XX/XX/26 I contacted PHH Mortgage ( now Onity ) in regards to canceling the escrow account as Ill pay XXXX and property tax directly. They wanted a surplus in the account to avoid a shortfall even though there hasnt been a shortfall issue previously. On XX/XX/26 they added a new XXXX policy for {$2000.00} claiming there was a lapse of insurance. I explained that there was never a lapse as they were the ones paying for the insurance out of the escrow account. How could there be a lapse if there was money in escrow and they paid directly to insurer and insurer was paid throughXXXX On XX/XX/26 my escrow account was slated to close and was told there is only {$38.00} in the escrow account. They still havent canceled the false insurance added nor reapplied the funds back ti my escrow account. Im of the belief that once you ask to start the process of canceling escrow they place false charges on an account essentially stealing from their client.…

I requested a loan assumption due to divorce the mortgage company advised me to submit a form to start the process. The form said to include the divorce decree and deed showing change in ownership. I provided the documents and then got a letter saying I have been denied for the request by the investor due to excessive debt ratios. I was never asked to provide income documents so Im not sure how I could be denied when my income was never verified. I want to dispute the denial decision and want my mortgage company to review my request in full for the loan assumption.

Trouble during payment process/ struggling to pay mortgage My mortgage is backed by XXXX XXXX and serviced by Onity mortgage. I am currently experiencing a documented financial hardship due to active unemployment. To prevent falling behind, I proactively submitted a complete hardship forbearance application while my account was fully current. Thirty days later XXXX XXXX XXXX XXXX XXXX XXXX phone conversation with Onity representative XXXX XXXX XXXX XXXX XXXX ) Onity verbally informed me that my application was denied purely because my account is currently up to date. The agent further claimed that I have " no option to appeal '' the decision. Onity is also withholding my formal written denial notice, blocking my ability to review the decision.…

This is with Onit.Y formerly PHH. I was approved for a modification XXXX XXXX and made all payments in compliance with modification agreement. After every payment I asked if there was anything else needed from me and was told " no ''. Once again while making the final trial payment I asked if there was anything else needed from me and was told " no ''. I then received a letter that my loan was put into foreclosure status for not completing the terms of the modification agreement. When I contacted the servicer they stated that I did not sign a document only to find out they did not send the document. They also confirmed that it was their error on multiple occasions but they still l was holding me responsible and I needed to reapply. During the first modification my ex-husband name was removed and all documentation for this to be completed was confirmed to be received. I reapplied and was approved once again. They sent the paperwork including my ex-husband 's name.…

I am submitting this complaint regarding Onity Mortgage Corporation ( formerly PHH Mortgage Corporation ) for ongoing contradictory servicing conduct, foreclosure activity, and derogatory credit reporting while my mortgage account has been under active loss mitigation and an approved Trial Period Plan modification. This complaint is not duplicative of prior complaints because it is based on newly issued XXXX mortgage assistance and foreclosure/reinstatement documents that demonstrate simultaneous modification activity and foreclosure advancement. On XX/XX/XXXX, Onity Mortgage formally approved my account for a Trial Period Plan under a Loan Modification program with monthly trial payments of {$910.00} due beginning XX/XX/XXXX. The Trial Period Plan documents repeatedly reference active mortgage assistance, modification approval, escalation rights, and foreclosure alternatives.…

On XX/XX/year> I was approved for a Temporary Hardship Forbearance Plan through PHH Mortgage Services ( now Onity Mortgage Corporation ) with a plan expiration date of XX/XX/year>. On XX/XX/year> two days before my forbearance expired I submitted a Mortgage Assistance Application to the servicer. I received two automatic email confirmations acknowledging receipt of my application, one specifically referencing my account and Mortgage Assistance Application. Their acknowledgment stated to allow up to 7 days for processing. On XX/XX/year> only 7 days after acknowledging my active application and before their own stated processing window closed the servicer issued a Notice of Default demanding {$5900.00} by XX/XX/year>. Between XX/XX/XXXX and XX/XX/year> the servicer reported my account as 90 days late to XXXX, causing my credit score to drop XXXX points. This constitutes a dual tracking violation.…

I believe that I have been a victim of predator mortgage refinance loan. PHH now Onity Mortgage owned by XXXX. I have done my best to get help with this but this particular company is not very helpful. My rate is 9.8650 1 % goes to principal and there is a pre payment penalty. I need help please help me

To Whom It May Concern, I am writing to formally report persistent servicing discrepancies with Onity Mortgage ( formerly PHH Mortgage ) regarding the failure to apply payments correctly to the borrower 's principal balance. Over the past XXXX calendar years, Onity Mortgage has repeatedly initiated electronic drafts from our designated bank account and failed to apply these funds to our mortgage account as required. These incidents have occurred multiple times, directly interfering with our ability to maintain accurate balance reports and disrupting our automated payment workflow. Key Issues : Failed Payment Application : Funds were withdrawn from our account but were not credited toward our mortgage principal or escrow. The amounts in question ranging from the bi-weekly amounts of/around {$1700.00} to the full amount of {$3500.00}. The most recent notice of a " failure to pay '' despite withdrawn funds was XXXX XXXX, 2026.…

Servicing of loan transferred from XXXX XXXX To PHH/ONITY mortgage XX/XX/year>. Loan has not been serviced since transfer date.PHH/ONITY mortgage said website would be accessible by XX/XX/year>. When I setup my access to their dashboard and payment portal the payment portal and payment scheduling had my account locked out. It did not give me access to that area at all. When my mortgage account was transferred from XXXX XXXX on XX/XX/year> my XXXX payment was still due. Today is XXXX XXXX and the dashboard still shows payment due for XX/XX/year> and says XXXX payment account past due by 106 days as they continue to block the payments. This is predatory servicing of a VA Loan. Since I was blocked from paying online I used their XXXX XXXX XXXX information. I have spoken with their customer service dept on numerous occasions the last 4 months every representative have a different answer after long wait time. They continue to mention loan modification and forbearance.…

I had a mortgage with PHH mortgage, which was acquired by a company called ONITY mortgage recently. I was on a forbearance plan through the end of XXXX. I was told by my relationship manager to proactively submit a new mortgage assistance application so that they can review what options would be available.. I completed that mortgage application on XX/XX/XXXX and had been waiting for a review. I had a relationship manager meeting on XX/XX/XXXX and was told that my updated forbearance plan was approved. When I called to make my XXXX payment, I was told by the representative that I could not make a payment unless I was able to fully reinstate my loan because my house was in foreclosure. I immediately asked how did this happen when I told that I was on a forbearance. They said they did not have one and that I needed to start over and submit a new mortgage assistance application which I did and was waiting for the review.…

This complaint concerns XXXX mortgage account number XXXX, serviced by Onity Mortgage Corporation, formerly PHH Mortgage Corporation. This is not a routine missed-payment complaint. This is a mortgage-servicing, credit-reporting, and foreclosure-escalation complaint arising from Onitys mishandling of approved state disaster-relief mortgage assistance through the XXXX Mortgage Fund. The central harm is that Onity reported, or caused to be reported, a XX/XX/XXXX XXXX-day late mortgage delinquency to XXXX XXXX and XXXX while the loan was already approved for XXXX XXXXisaster-assistance payments, while XXXX funds had already been sent directly to the servicer, and while Onity/PHHs own records show the first {$12000.00} XXXX payment was posted effective XX/XX/XXXX. I also dispute any XX/XX/XXXX negative reporting, rolling delinquency coding, account-status coding, payment-rating coding, derogatory payment history, or continued past-due reporting caused by the same servicing failure.…

Subject : Request to Correct Title Cloud/ Improper Maintenance of Duplicate Deed of Trust After Refinance Transfer. Current Loan Servicer : Onity Mortgage ( formerly PHH Mortgage ) Closing Agent : XXXX XXXX XXXX ( Defunct/ unreachable ) Property Address : XXXX XXXX XXXX XXXX CA XXXX Loan Number : XXXX I am requesting federal regulatory intervention to force Onity Mortgage to issue partial lien release or a Deed of Correction to remove an administrative double - recording error that is Clouding my title causing severe financial harm. The servicer has explicitly admitted in writing that they hold XXXX identical security instruments for a single active debt, yet their customer service and research department unit refused to issue a correction because the underlying single loan is still active and unpaid. Detailed History and Chronology : 1. Origination and error ( XXXX ).…

I am filing a complaint against Onity Mortgage, previously known as PHH MortgageXXXX, regarding their refusal to honor my mortgage reinstatement payment and their continued foreclosure actions. Onity Mortgage provided me with a reinstatement amount of {$11000.00} and instructed me regarding the payment process. I made the payment on XX/XX/XXXX, which was the date requested by the mortgage company. Their representatives personally walked me through the payment process and at no time did anyone advise me that the payment could not be accepted or would be considered late because of internal processing delays. Onity Mortgage is now claiming that because their system did not post the payment until XX/XX/XXXX, they will not honor the reinstatement agreement. They are demanding an additional approximately {$1200.00} on top of the {$11000.00} that I already paid.…

On XX/XX/year>, I received correspondence from Onity Mortgage ( formerly PHH Mortgage ) dated XX/XX/year>, stating that the company was still investigating my dispute and would respond further by XX/XX/year>. The letter instructed me to call a phone number and leave a voicemail with a return-call time request. The correspondence was issued by customer service representative XXXX XXXX. This directly conflicts with Colorados single point of contact requirements for mortgage servicing and loss mitigation matters. Instead of providing a dedicated, accessible representative familiar with my file, the company continues routing me through multiple unrelated agents and departments. Additionally, the correspondence and multiple prior servicing notices have recently been addressed only to me despite the mortgage involving both myself and my husband as obligated parties.…

I am writing regarding the continued mishandling of my mortgage account, the contradictory communications I have received from Onity Mortgage/PHH Mortgage, and the inaccurate representations now being made regarding my alleged withdrawal from mortgage assistance options. Your XXXX XXXX XXXX correspondence admits several critical servicing failures, including : * Failure to properly identify and resolve the property address discrepancy during onboarding ; * Improper lender-placed insurance resulting from that discrepancy; * Escrow and payment increases caused by the lender-placed insurance ; * Internal errors related to the cancellation and refund handling of the lender-placed insurance; * Credit reporting issues associated with these servicing failures. Your own response further acknowledges that the lender-placed insurance issue and resulting escrow/payment increases were tied directly to servicing and administrative errors.…

Beginning XX/XX/year> I filled out an approved Loss Mitigation Notice had it notarized and sent back. I was later told the notary made an mistake on my name. And the form was rejected. I filled another approved Loss Mitigation Notice later in the month XX/XX/year> and was told that the notary put XXXX Driver License instead of just Driver License and that was rejected. In XX/XX/year> PHH/Onity Mortgage sent a notary to my home the approved Loss Mitigation Notice was filled out and notarized and was told that my wife 's name didn't look like her name and it was rejected. Later in XX/XX/year> PHH/Onity Mortgage sent another notary to my home and the approved Loss Mitigation Notice was notarized and was rejected again because the notary used a USA Passport for identification and it was rejected. The actions of my mortgage company PHH/Onity Mortgage seems to setting me up for failure and foreclosure.

I am submitting this complaint regarding the servicing and administration of my FHA mortgage loan by PHH Mortgage/Onity Mortgage and the handling of my Trial Payment Plan during a financial hardship caused by Hurricane Milton . In XXXX, Hurricane Milton severely impacted my business and financial stability. From the very beginning, I communicated with my mortgage servicer in good faith to seek assistance and avoid foreclosure on my home. After multiple denials, I was eventually approved for a Trial Payment Plan for XXXX, XXXX, and XX/XX/XXXX. The XXXX payment was successfully processed from my XXXX XXXX XXXX account on XX/XX/XXXX, and I possess bank statements confirming that the funds were properly withdrawn from my account. However, when I later attempted to make the XXXX payment, I was informed that my Trial Payment Plan had been cancelled because the XXXX payment had allegedly never been received.…