Consumer complaint received 2019-10-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The XXXX XXXX XXXX XXXX XXXX ( `` XXXX '' ) assisted me in getting a mortgage modification after years of unsuccessful attempts with Ocwen Loan Servicing. 
I was able to pay my monthly mortgage amount and meet the basic needs of my household. 

Last year, XXXX, Ocwen claimed that the XXXX, XXXX payments was not received ; I notified Ocwen that it made an error because I had proof of the money order and a copy of the stamped receipt showing that I hand delivered the payment, as I customary d. I also receive a letter from PHH advising me that I was to mail my check to them as being the new servicer After verifying the information, I sent in preceding monthly payments which where all returned to me, siting that Ocwen reported that the XXXX 's payment was not received. 
I then sent proof to PHH that the payment was indeed received and the money order was cashed.

I did not received information from PHH mortgaging verifying or correcting the incorrect information ; instead PHH continues to refuse to accept the mortgage payments.

Further, PHH Mortgage did not revealed to me that It the same company as Ocwen Loan servicing PHH asked that I apply for a mortgage modification which I did.

PHH Mortgage denied the request for the modification and offer me the option to surrender my home or do a short sale I have appealed the decision and posted the copy below.

Thanks for assisting me save my home Emailed sent to PHH mortgage XX/XX/XXXX Hi XXXX, I am writing to appeal the decision of PHH to nullify the mortgage modification. As stated before, I never had an issue making my mortgage payments. It was PHH decision to refuse to accept the preceding monthly payments when Ocwen reported the previous month 's payment ( XX/XX/XXXX ) was not received ; and though I sent information and proof to PHH that the money order for the XXXX 's payment had been cashed by Ocwen, yet still no investigation and communication was sent concerning the information and proof ' but PHH continues the return of all preceding payments I made on the mortgage. 


The mortgage modification granted me the opportunity to meet the monthly mortgage obligations and other basic needs. 
In spite of the various life challenges, I am constantly seeking opportunities to improve my financial situation. Currently, I have applied for a scholarship that will enable me to increase my income capacity ( see below email correspondence ) I am hoping that PHH will reconsider its decision to force my home into foreclosure, allow me to improve my financial situation and pay off the mortgage. 


Thanks for responding XXXX XXXX XXXX XXXX Thu XX/XX/XXXX XXXX XXXX   XXXX CAUTION : This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. 

Thank you for your interest in applying for the Workforce Innovation and Opportunity Act ( WIOA ) Training Scholarship. We have received your application and will begin its review. 

This is the first step in determining your eligibility and suitability and is no guarantee that you will acquire this scholarship. 

You will receive further information by email from one of our Career Consultants within the next three to four business days.

If you do not, please be sure to check your email spam folder.

Regards, The Career Development Unit Please Note and read carefully : Florida has a very broad public records law. Most written communications to or from XXXX XXXX XXXX County are public records available to the public and media upon request. Your email communications may therefore be subject to public disclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation