Consumer complaint received 2019-12-19
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am reaching out to you because I need help with my mortgage company. I feel I am being treated unfairly and i need to know my rights and what if any recourse I have. I was with Ocwen LLC when i was notified that the mortgagee co was being brought by PHH mortgage ( XXXX XXXX ). The next thing I received was a return of the last 4 or 5 payments with a note indicating that my mortgage increased, it asked that I add the increase. 

Also, I added the increase, returned the payments and paid two additional payments. I spoke to a rep to ensure we were on the same page as far as how much I owed. Originally, they had erroneous information, but i keep good records, so we got it all straight over the phone. I then went into the bank and requested a cashiers check for XXXX and another XXXX and sent off. A few weeks later, I get a letter stating that my home is in foreclosure, my mom and I received calls and letters from real estate investors asking about buying my house. ( My mom lives in Florida ; we share the same first and last name ) After weeks of calling tirelessly and struggling to speak with a rep who spoke clear english and never being able to speak to a manager, I discovered that the company did not know where my XXXX check was, they started an investigation and I began communication with the research department. 


During this time, I called the department several times to follow up and no one EVER once called me, despite ensuring me that they would. I have recorded most of the dates, agent ID 's and outcomes of these conversations. The research dept advised me not to send in XXXX and XXXX payments until they located the {$6300.00} check. Meanwhile, my financial institution ( XXXX XXXX ) did their own research and I soon discovered that the XXXX check was cashed on XX/XX/2019 which was 4 days after it was sent. 


I sent evidence to PHH mtg co but still I heard nothing. I have sent certified letters requesting written acknowledgment of the current situation for my records, they sent a letter stating ( literally ) that they received my letter, and nothing more. I never wrote a letter, I wrote a complaint and sent it to them CERTIFIED. It was not even acknowledged by the company. Nevertheless, they eventually sent the XXXX check back to me, it was written to their company, ( so it was cashed! ) they then stated that the check had been REJECTED on XX/XX/XXXX when they CASHED and LOST it. I was deeply offended by this. After months of waiting, they casually dismissed me and LIED on me statmg that my payment had been rejected. They also returned the XXXX check which was never cashed. Again, I say that at no point was my mortgage 90 days behind! Therefore, I should never be in foreclosure status ; also, I was unable to pay in XXXX or XXXX ( according to PHH ) and I do not feel that I should be treated that way. For example, they would only accept certified funds to be wired or sent electronically and that I had to send no later thanXX/XX/2019 etc. This when i was not in FORECLOSURE! 


I do not feel comfortable with this company, I want this cleared up and I want it acknowledged that they made an error. Why should I be on a foreclosure list or have my credit destroyed? why should my elderly mother be called and harassed and made to think that the only child she has to depend on is in a financial upheaval. 


I am tormented and harassed by investors constanty either via phone call or mail, a few have come to visit me. The mortgage company is causing me stress and pain as they wont communicate effectively.Someone came and served me as a clerk of the court and invited me to a foreclosure meeting scheduled in XXXX after XXXX!!!! 

I have even reached out to XXXX the law firm handling the case and they weren't much help but suggested I get my own lawyer because the things i was stating sounded strange. I refuse to allow a company to treat me this way and I am reaching out to you to know if I have any recourse in this situation. Since then, I have reinstatesd the mortgage based on my correspondance with XXXX  lawgroup. I sent them XXXX, XXXX on XX/XX/XXXX and I have paid my XXXX mortgage. However, I feel I have been charged wrongly as my mortgage was never 90 days late. Also, they have added another XXXX to my mortgage and have not described what the fees are for. 


have documented everything. I hope i don't have to take this treatment from my mortgage company lying down. 

Sincerely,

Company response to consumer: Closed with explanation