Consumer complaint received 2021-04-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX. 
XXXX caused wind damage to my home. 

Filed damage claim with XXXX XXXX, XXXX, XXXX, XXXX, XXXX. 
NOTE : Had three quotes from roofing contractors confirming said wind damage. 
Contacted Citizens and filed claim. 

Their appraiser came, while he was here, another roofing contractor was here. 
Results, was threatened by this XXXX XXXX about filing a false claim and that a decision would come from XXXX approx 10 days. 
Got call 9 days later, told, you will get XXXX to cover minimal damage and that they will not pay for ceiling damage cause by water. Fact. 

I immediately Googled attorneys, found XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. XXXX. 

Fast forward from XX/XX/XXXX to XX/XX/XXXX.

Settlement agreed and signed, XX/XX/XXXX. Amount was XXXX dollars, XXXX to XXXX, XXXX to me. 
Told by Law firm that XXXX was mine to cover new roof, the balance, I though was pain and suffering but actually it was not. 
In fact, this law group did nothing for me at all over emotional distress and the fact they new I was on a REVERSE MORTAGE. 
This whole time and I told Me XXXX, I can not be defaulted over this Reverse MORTAGE and thrown out. 
Terrified. 
When I signed the settlement agreement believing that XXXX was mine and I had to take care of new roof,,, WOW, what a shock when I contacted PPH, the adjoined subsidery to monthly reports of my loan,,, WAS TOLD THAT THE CHECK, XXXX WHICH COMES WITH BOTH, MY NAME AND THEIRS WILL BE DEPOSITED INTO THEIR ACCOUNT AND THAT I WOULD NOT GET ANYTHING TILL : A ). ALL REQUIRED DOCUMENTS WERE SENT WITH CHECK. 
1 ) SIGNED ROOF CONTRACTOR CONTRACT. 
2 ) A WAIVER OF LIENS, DOCUMENT. 
3 ) W-9 FORM FROM THE CONTRACTOR. 
Very important, A COMPLETE COPY OF THE SETTLEMENT AGREEMENT BETWEEN ME, XXXX XX/XX/XXXX AND CITIZENS INSURANCE. 

THE QUOTE IS {$6700.00} I BELIEVED MY ATTORNEY WHEN TOLD THAT THE XXXX WAS MINE, MAKE SURE TO COVER NEW WORK. 
( I AM A SENIOR CITIZEN, DISABLED WITH OVER 20 YRS OF CONTRACTOR EXPERIENCE ) THE PPH customer service advised me, no sir this not yours. 
Once you satisfy our requirements, A ) Roofing contract will get half of quote for starting materials.

B. ) The Contracter will not get the other half till they send a inspector to check work. Only then can a check be sent.

C ) Once Contracter is paid,,, HERE 'S WHERE I GET SCREWED. 
BACK WHEN I FIRST WAS TAKEN CLIENT BY XXXX XXXX XXXX,,, I WAS TOLD BY CITIZENS INSURANCE TO COVER HOME TO PREVENT ANYMORE DAMAGE, TARP YOUR ROOF! 

I did not have the funds to do so, e mailed the XXXX XXXX, Legal assistant, XXXX, told her that not knowing what to do. She told me, don't worry we will take care of. 

TTHE VERY NEXT DAY A CREW OF MEN SHOWED UP, PUT TARP ON HOUSE, AND I SIGNED AN ELECTROIC NOTE PAD BELIEVING IT WAS A COMPLETION ORDER. 
2 WEEKS LATER, GOT 2 REGISTERED PACKAGES FROM CITIZENS INSURANCE. 
THEY INFORMED ME THEN THAT BECAUSE I SIGNED A REASSIGNMENT CONTRACT WITH ROOF DOCTOR, THE TARPING COMPANY, ANY CLAIM PAID WOULD GOT TO THEM! 
I WAS SHOCKED, I KNEW ALREADY NOT TO SIGN ANY DOCUMENT LIKE THAT YET WAS NEVER TOLD NOT TO SIGN ANYTHING CONCERNING THE TARP INSTALL. CALLED MR XXXX OUTRAGED CLAIMING WHY DID THIS OCCUR, WHEN YOUR FIRM SENT THEM WITHOUT OFFERING ANY DIRECT INSTRUCTIONS, I FELT DUPED, ALSO FOUND OUT ONE OF THE OWNERS OF " THE ROOF DOCTER IS MR XXXX XXXX FRIENDS! 
MR XXXX SENT THIS FRIEND OVER TO MY HOUSE TO PICK UP THOSE DOCUMENTS, WAS ASSURED A LIEN WOULD NEVER BE FILED AGAINST MY PROPERTY, I REQUESTED A SIGNED WAVIOR AGAINST LIENS FROM HIM, HE SAID HE WOULD DO IT. NEVER HAPPENED. THIS GUY ALSO, BEFORE I GOT THOSE DOCUMENTS TO GET A MOLD, FUNGUS REPORT BECAUSE MOLDING SPOTS HAD APPEARRED, REFURRED ANOTHER COMPANY HE USED, TOLD TO TO SIGN THAT REASSIGNMENT DOCUMENT, CLAIMED THESE BILLS WERE NOT MY RESPONSIBILITY TO PAY THAT THESE BILLS GO TO A DIFFERENT DIVISION OF CITIZENS, NOT THE CLAIMS DIV. 
I TRUSTED HIM. 
HE TOOK THE DOCUMENTS STRAIGHT TO XXXX XXXX XXXX. 
BECAUSE I BELIEVED THIS MAN, HAVE BEEN ASSURED BY AN ATTORNEY NAMED XXXX THAT THOSE 2 BILLS ARE NOT PART OF A SETTLEMENT,,, THAT'S EXACTLY WHY I MADE SURE WHAT THIS ATTORNEY SAID CONCERNING THAT XXXX DOLLARS, XXXX GOING TO LAW GROUP, SHE ASSURED ME, I AM NOT RESPONSIBLE. 

THIS IS MY TERRIFYING ISSUE. 

THE INSURANCE COMPANY NOTIFIED PPH ABOUT YHOSE 2 REASIGNMENT CONTRACTS, PPH NEVER CONTACTED ME CONCERNING THIS AT ALL. THE INSURANCE COMPANY REQUIRED BY LAW TO INFORM THEM I AM TRULY UPSET WITH PPH AND THEIR NON NOTIFICATIONS AT TIME OF CONTACTING, THEY CLAIM THEY HAVE THE RIGHT TO WITHHOLD MY MONIES. I ONLY NEEDED TO COVER NEW ROOF, I THOUGH! 
PPH, BECAUSE OF THE " DAMAGE SETTLEMENT AND ITS SPECIFICS '', WHY IS NEW ROOF ONLY XXXX, YET THE SETTLEMENT IS XXXX, MAJOR FLAG, NOTHING TO PAIN AND SUFFERING. 
I BELIEVE THEY WILL TAKE MY FUNDS AND PAY THOSE TO OTHER CONTRACTS, TARP, AND MOLD, OUT OF MY FUNDS, THEY ARE NOT TELLING ME THIS, I ALSO BELIEVETH XXXX LAW GROUP KNOWS THIS, AGAIN EHY SO MUCH SETTLEMENT AMOUNT WITH SUCH SMALL ACTUAL DAMAGE, MAJOR DECEPTION, MAJOR UNKNOWING WHAT THE TRUE DETAILS, TOLD NOTHING BY PPH REVERSE MORTAGE, NOTHING. 
I AM SO EMOTINALLY UPSET, TERRIFIED DUE TO THIS IDEA THAT PPH COULD DEMAND SATISFACTION TO THEIR LOAN AND EVEN WITH THE XXXX XXXX XXXX ASSISTENCE, I CANT TRUST ANYONE! 
COULD YOU? 
XXXX XXXX XXXX NEVER REQUESTED ANY DAMAGES FOR MY EMOTIONAL DISTRESS, INFACT TOLD BY XXXX, THE DEALINGS WITH YOU MORTAGE COMPANY IS NONE OF OUR BUSINESS, WOW, RIGHT THIS SECOND, SHAKING AND OH SO WORRIED, CAN NOT LOOSE MY HOME. 
RESOLUTION :. THEY ARE NOT ENTITLED TO KEEP THE DIFFERENCE FROM THE ROOFING CONTRACTOR FOR ANY OTHER DAMAGE, THERE IS NONE. 
I AM DEMANDING MY DIFFERENCE. 
.

Company response to consumer: Closed with explanation