Consumer complaint received 2022-05-31
Company: Ocwen Financial Corporation
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a Deed in Lieu with PHH Mortgage on XX/XX/2022 at XXXX over the phone but I keep getting billing statements and they are still adding fees so evidently PHH lied to me and didn't do the deed in lieu. I have tried to contact them but as soon as i enter my information my phone calls are disconnected and my emails are returned undelierable. I had tried to keep my house back in XXXX only to be lied to again over not having to have my ex the coborrower signature to do the modification. Phh let me do the trial modification for 3 months without his signature then when the trial period ended they wouldn't let me do the full modification without my ex 's signature. I proved to them that I could make the payments. In the 3 month trial period i made 3 payments in the total of {$910.00} which now seems to have just disappeared not showing that i made the 3 payments at all. To clarify about the coborrower my ex he has already filed bankruptcy and has been released from all financial responsibility from the mortgage and PHH won't take him off the mortgage loan. I did a deed in lieu and and returned the property back to them on XX/XX/2022 at XXXX. I now got my foreclosure papers so they claim a deed in lieu was never done. They claim I abandoned my property so now there is a key pad lock on my door. I didnt abandon it I came to west Virginia to help with my father who has XXXX, I made the mistake of trusting my ex to handle it like he said he would until I got back, I had every intention on coming back. When I found out that my the ex the coborrower had done it was too late and honestly I got overwhelmed. I started working with PHH Mortgage and tried to keep my home but got constantlylied to. All my furniture was still in the house but since they changed the lock Id say its all probably gone now. 
Another thing with PHH Mortgage services that upset me on the final modification paperwork they sent me they now had a balloon payment of {$35000.00} after paying for 30 years and we only gave {$49000.00} when we bought the property. That would mean in 30 years I wouldve only paid around {$14000.00} towards the property which averaged out to about {$220.00} a year towards the property. I guess XXXX XXXX has the deed because they are the ones named on the foreclosure paperwork, but this is the first time Im hearing their name. Our mortgage has kept being sold, went from XXXX XXXX to XXXX mortgage to ocwen mortgage to PHH Mortgage. All of them but XXXX XXXXXXXX have had government actions against them and I definitely know why already experienced all of them and to me their predatory lending tactics. Im on social security XXXX because of my eyesight and I live on only {$850.00} a month so I cant afford an attorney I dont know if you can help me but even any suggestions I would be grateful for. I also contacted the XXXX on XX/XX/XXXX and they contacted PHH mortgage with my complaint and PHH Mortgage hasnt even acknowledged the XXXX message. I really wanted to keep my house but I know thats not going to happen. The property address is XXXX XXXX XXXX XXXX, sc XXXX XXXX & XXXX File # : XXXX XXXX Thank you for your time and understanding XXXX XXXX XXXX

Company response to consumer: Closed with explanation