Consumer complaint received 2023-10-07
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
PHH MORTGAGE NEED TO STOP INTERFERING IN MY FINANCIAL AFFAIRS LISTED BELOW ARE ACTION THAT I TOOK TO SOLVE MY FINANCIAL/TAX SITUATION : 1. On XX/XX/XXXX received notification from XXXX XXXX that that my property taxes were in arrears, and that I had to act ( solve the issue within 30 days ). 
2. On XX/XX/XXXX, XXXX XXXX open its applications for homeowners to apply for the XXXX Tax Sale Deferral Program 3. XX/XX/XXXX, I submitted my application for the Tax Sale Deferral Program and received an email that my application has been submitted 4. XX/XX/XXXX I received an email from XXXX XXXX representative, notifying me that my application for the tax sale deferral program has been approved XXXX. XX/XX/XXXX I received an email from XXXX XXXX that my tax sale deferral application was submitted to the Department of Finance, and they have removed my property from this years tax sale. 

The purpose of the above process was to allow me time to explore financial assistance 6. On XX/XX/XXXX - PHH Mortgage payment was posted to my XX/XX/XXXX to XX/XX/XXXX Property Tax Bill ( at this time my bill was deferred until XX/XX/XXXX XXXX. XX/XX/XXXX I emailed PHH Mortgage explaining to them that they interfered in my financial affairs ( as mentioned above, I had already taken care of my tax situation ). PHH Mortgage wanted me to sign a Repayment Plan for the {$2200.00} that they had paid. 
a. I originally resisted to sign the Repayment Plan and eventually agreed to sign the Repayment Plan 8. XX/XX/XXXX I agreed to a Repayment Plan for the {$2200.00} that PHH Mortgage had paid for my XX/XX/XXXX to XX/XX/XXXX tax bill. I mailed PHH Mortgage a check in the amount of {$140.00} ( this amount was for 3-months worth of payments ) 9. On XX/XX/XXXX my property tax bill was issued for the period XX/XX/XXXX to XX/XX/XXXX. 
10. PHH Mortgage decided to pay that bill in the amount of {$1000.00}, on XX/XX/XXXX and cancelled my Repayment Plan and began calling me to pay them a total of {$3200.00} a. According to Maryland State Regulations, this bill would not be considered delinquent until after XX/XX/XXXX. 
11. AT THIS POINT, PHH Mortgage is attempting to foreclose on my property because they are making me responsible for their intentional efforts to interfere in my financial affairs. 
My Reverse Mortgage does not give PHH Mortgage the authority to pay my property taxes unless Im in a default status. I was not in a default status during the two times that PHH Mortgage interfered in my financial affairs by deciding to pay property taxes that were not delinquent. I am fully capable of handling my financial affairs and would like PHH Mortgage to STOP interfering, creating problems that do not exist! 

PHH Mortgage has taken a position of violating my financial boundaries.

PHH MORTGAGE NEED TO STOP THEIR AGGRESSIVE BUSINESS PRACTICE! 

NOTE : In addition to the above issues, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ) that there had been a third-party software event to gain access to my personal information ( social security number, address, etc. ). Accordingly, my identity had been compromised on or about XX/XX/XXXX. 
Now Im receiving notice from my XXXX XXXX that my social security number was found on the Dark Web.

Company response to consumer: Closed with explanation