Consumer complaint received 2019-06-13
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I was with Saxon mortgage. I got caught up in the loan scam where they increase your loan rate. My mortgage went from {$2100.00} to {$3500.00}. At the time, I was married and our business which was as an electrical contractor almost went belly up due to the economy. And with the payment almost doubled and my income falling stale ... I contacted Saxon Mortgage and was approved for the HAMP program. I made 3 payments XXXX, XXXX, XXXX ... and they called me and said they made a mistake and I didn't qualify. They then told me I was in foreclosure. I called back and spoke to a different person ... they said I qualify but they gave me the wrong amount. So we began on the HAMP program again. Now before I go any further, 2 of the previous payments were never credited to my account. It was in the amount of I believe {$860.00} and some change. I asked for it to be reviewed only to be ignored. I then just kept paying my payments for the new HAMP program I received. In XXXX of XXXX they told me that I was approved and the final modification would be mailed to me. I was told not to make the HAMP program payment thru XXXX XXXX  but to send it as a bank check attached to the signed loan docs for the modification. I never received the loan docs. I called numerous times asking for the docs ... they said they sent them ... then they said they resent them via XXXX. Still nothing. I called many many times that month. On XX/XX/XXXX, I spoke with a rep named XXXX. She seemed concerned for me and said if I didnt get the pkg by XX/XX/XXXX to call her and she would take my payment over the phone. I called on XX/XX/XXXX, they said XXXX wasn't in but that they couldn't take a payment because according to the HAMP program now I was 31 days late and now no longer eligible for the program and they were foreclosing on my home. I freaked out and called an attorney after calling the AG office. The attorney said to save my home, I needed to file bankruptcy. So I paid Attorney XXXX XXXX from XXXX, NH and began the bankruptcy process. A couple weeks after filing, Saxon sold me to Ocwen and Ocwen was willing to " work with me ''. 
Now when all this process began, I owed just over XXXX on my mortgage. Bare in mind that I had been paying on my mortgage in one form or another and that this process had been approx just over year ... but again, I paid XXXX for 3 months ( only 2 of which were credited ) and then XXXX thru XXXX at just over {$1600.00}. Ocwen mortgage then made my principle balance over {$310000.00}. It didnt compute and I called the AGs office again as well as my governors office trying to get help. No one could help me so to save my home, I had to take the cards I was dealt. 
I canceled the bankruptcy and it was dismissed not discharged. I  paid all my debt. 
Now, in XXXX XXXX, Ocwen sold my mtg to PHH and it seems I'm missing payments to my loan. And I cant get in touch with Ocwen ... it automatically sends me to PHH when I dial the Ocwen number and I cant get any info. 

I need your help. Here 's a quick summary ... 

1. Payments missing from Saxon totaling over {$1700.00}. 
2. Adding almost 100k to my loan ... for what? Now I'm severely upside down on my home by over 130k. 
3. Ocwen missing payments and putting me into preforclosure. Currently I'm only 1 payment behind but shouldn't be based on the previous missing payments from Saxon and a payment seems to be missing from XXXX or XXXX of this year but no one can give me info from Ocwen. 

They also have me at 4.5 % for the rest of the life of my loan and I found out I have a huge balloon Payment at the end which I was told when I accepted the $ XXXX mortgage that if I paid on time for 5 years, that Ocwen would forgive the balloon ... another lie. I paid on time and {$500.00} extra every month. 

Ocwen, Saxon and PHH are terrible companies and I advise against ever doing business with them.

Company response to consumer: Closed with explanation