Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
On XXXX XX/XX/year> I replied to PHH Mortgage with a NON-NEGOTIABLE NOTICE OF ACCEPTANCE to Discharge liability to perform or pay on a notice sent by them dated XX/XX/year>. 
On XXXX XXXXXXXX XXXX I additionally served NON-NEGOTIABLE NOTICE OF INQUIRY to PHH Mortgage 's concerns from XX/XX/year> to request status of the account inquiry into the liability of unauthorized actions on my account. 
PHH Mortgage Services acknowledged my correspondence in letter dated XX/XX/year>, and refused to acknowledge Discharge of their liability on my account. 
I replied XXXX XX/XX/year> with NON-NEGOTIALBE NOTICE OF ACCEPTANCE to Discharge liability to perform or pay on PHH Mortgage correspondence dated XX/XX/year>. 
PHH Mortgage monthly mortgage Statement dated XX/XX/year> includes unauthorized Transaction Activity of payment to XXXX XXXX on my account. 
My Representative, XXXX XXXX XXXX, sent a Conditional Acceptance to PHH Mortgage dated XXXX XX/XX/year> to the condition that PHH Mortgage must hold me indemnified to unauthorized payments made by PHH Mortgage, and their liabilities are not to be construed as a debt on me. 
PHH Mortgage Accepted and executed this contract dated XX/XX/year> upon deposit of check # XXXX from XXXX XXXX XXXX. 
I served PHH Mortgage the NON-NEGOTIABLE NOTICE OF INQUIRY dated XXXX XX/XX/year> requesting the liability for the Escrow account and information regarding my liability and liability of PHH Mortgage to indemnify me against their actions. 
I served PHH Mortgage the NON-NEGOTIABLE NOTICE OF ACCEPTANCE dated XXXX XX/XX/year> in reply to PHH Mortgage correspondence dated XX/XX/year>. 
NOTICE OF AND RESCISSION OF NOTE FOR CAUSE and NOTICE OF AND RESCISSION OF MORTGAGE FOR CAUSE dated 2 XX/XX/year> in addition to NON-NEGOTIABLE NOTICE OF INQUIRY were also served to PHH Mortgage and Legacy Mortgage. 
An acknowledgement of correspondence was received from PHH Mortgage dated XX/XX/year>. 
My Representative, XXXX XXXX XXXX, sent a Conditional Acceptance to PHH Mortgage dated XXXX XX/XX/year> on the condition that PHH Mortgage indemnify me against their liabilities that they have attached to my Escrow Account. PHH Mortgage accepted and executed this contract on deposit of check # XXXX from XXXX XXXX XXXX. 
In reply to PHH Mortgage correspondence dated XX/XX/year> I served NOTICE OF AND RESCISSION OF XXXX TO NOTE AND NOTE AND MORTGAGE AND UNIFORM RESIDENTIAL LOAN APPLICATION FOR CAUSE and NON-NEGOTIABLE NOTICE OF ACCEPTANCE dated XXXX XX/XX/year> on PHH Mortgage, Legacy Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I also served NON-NEGOTIABLE NOTICE OF INQUIRY dated XXXX XX/XX/year> and NOTICE OF DISHONOR dated XXXX XX/XX/year> of this instrument. 
I sent NON-NEGOTIABLE NOTICE OF ACCEPTANCE dated XXXX XX/XX/year> in reply to PHH Mortgage Escrow Analysis Statement dated XX/XX/year> discharging any liability to pay or perform on this statement. 
NOTICE OF AND RESCISSION OF MORTGAGE FOR CAUSE and NON-NEGOTIABLE NOTICE OF ACCEPTANCE dated XXXX XX/XX/year> was served in reply to PHH Mortgage correspondence dated XX/XX/year> to discharge any liability to pay or perform on this statement. 
NON-NEGOTIATBLE NOTICE OF INQUIRY dated XXXX XX/XX/year> was also served to PHH Mortgage to reiterate that I am paying the Principle and Interest and requesting that they Discharge their liability from my account. 
My representative, XXXX XXXX XXXX, served NOTICE OF DEFAULT AND DISHONOR dated XXXX XX/XX/year> on PHH Mortgage. I served NON-NEGOTIABLE NOTICE OF ACCEPTANCE dated XXXX XX/XX/year> to PHH Mortgage to Discharge statement claiming PHH Mortgage liabilities on my account.

Company response to consumer: Closed with explanation