Consumer complaint received 2023-12-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XX/XX/2023 I logged onto the PHH Mortgage website to see my monthly payment raised from {$2800.00} to {$4400.00}. I was told this was due to an escrow shortage because they claimed a predictive model showed my home evaluation going up. 


The 2023 notice of appraised value document I received from the XXXX XXXX Appraisal district office shows my total market value going from {$610000.00} down to {$580000.00} and also proof of my Homestead Exemption as well. When I provided this document to PHH Mortgage they told me it was not enough to remove the increased amount to my monthly payment and they'd need the actual Tax bill that wouldn't be released until XXXX. 


Around XXXX PHH told me over several phone calls that I'd be placed on a 90 day forbearance where I wouldn't have to make payments and those XXXX payments would be placed on the back of my payment cycle and my account would still be reported in good standing. I was also told they'd have no problem extending the forbearance to XXXX so they could receive the tax bill. I was then told on XXXX that their " investor '' denied my request to have the payments moved to the end of my billing cycle and the amount was due immediately. 


I then found out my credit score dropped XXXX points because PHH was reporting my account as 180 days delinquent. I filed a dispute with XXXX and my credit report then showed my account in good standing but the score was not raised back to where it was originally In XXXX I was trying to work with PHH to resume payment under the reduced amount but they attempted to get me to sign up for a Mortgage assistance plan. They informed me I could no longer make payments via their website and I'd have to call to make XXXX consecutive payments for XXXX, XXXX, and XXXX for the amount of around {$2700.00} and after I was able to make those three payments I'd be able to again make online payments again at the adjusted rate now that they have the tax bill When I attempted to make my third payment on XXXX I was informed my home was now in foreclosure and it would be up for auction on XXXX if I didn't pay them {$24000.00}. 
they claim this had something to do with an issue regarding my Title and they had me fill out a Marriage Status affidavit and said that if I filled this out my home would no longer be up for auction but I'd still owe the {$24000.00} ( I have been single this entire time with no previous marriages ) PHH claims they have sent me notification documents via USPS but I have not received them. The documents are available in my account on their website but how would I know to check there if I wasn't being notified via email or even over the phone?! 


I just didn't want my monthly payment to double and now I might lose my house. Please help me CFPB... you're my only hope!

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