Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Compliance This complaint concerns ongoing noncompliance with federal consumer financial laws related to mortgage servicing and credit reporting. The loan XXXX was reaffirmed XXXX via Bankruptcy Court XXXX and loan is being reported as active ; however, PHH Mortgage XXXX has applied payments and escrow funds inaccurately, including insurance-related escrow amounts affected by collateral impairment, resulting in a balance and account history that do not match documented payment activity. I requested a complete payment history, escrow analysis, insurance disbursement records, and an explanation of discrepancies, but the account continues to be reported inaccurately. Immediate correction of payment application, escrow accounting, and credit reporting is required to reflect the true account status.Compliance PHH Mortgage XXXX is reporting and servicing reaffirmed mortgage loan with inaccurate payment application, escrow accounting, and balance, including insurance-related escrow errors arising from uninhabitable, non-functional property conditions due to collateral impairment existing since prior to XXXX, including lack of potable water and sanitation services from the sole authorized public water authority ( XXXX XXXX XXXX currently billing for both water/sanitation services entire Condominium Community of approx. XXXX Condominiums via master water meter ) Monthly HOA maintenance fees include potable water/sanitation service and amenities of {$270.00} are current and paid as required., resulting in account history that does not match documented payment activity and requires immediate correction.Provide a complete transaction-level payment history and escrow analysis showing how each payment was applied. Correct the reported balance, payment application, and account status to match documented payment activity. Provide the method of verification, including the furnishers name, address, and procedures used. Confirm in writing that all documentation submitted via email was reviewed as part of the reinvestigation. Identify and correct any escrow and insurance-related discrepancies affecting the account. Cease reporting any inaccurate or misleading information pending correction. Confirm the effective date of corrections and provide an updated account statement reflecting all changes. Denied or unresolved insurance claims related to the property have not been properly reflected in escrow accounting or the loan balance and must be reviewed and accurately accounted for in the servicing and reporting of this loan Multiple insurance claims related to the property XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX have not been properly applied or reflected in escrow or account balance and must be reviewed and accounted for in the servicing and reporting of this loan.These issues constitute violations of RESPA, including failure to properly apply payments, maintain accurate escrow accounting, and respond adequately to requests for information and error resolution. Property inspections were not properly conducted or documented in relation to known collateral impairments include public water termination/public utility tampering in external common areas, resulting in inaccurate servicing, escrow handling, non functional properties including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and account reporting.

Company response to consumer: Closed with explanation