Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/XXXX I missed one month payment. 
I pay by the internet on PHH Mortgage web page. 
I tried using a new portal, and my money did not go though. I was told to call. I then spoke with an agent who said the money would not be touched. I asked about paying XXXX in two months with my next months payments. He talked about saddling the payments on the end of the mortgage. I receive social security payments, so I would have no trouble paying this way. At the time in XXXX I was sick, I suffer, XXXX, XXXX, XXXX, with XXXX XXXX but only work XXXX XXXX. I recently suffer a small XXXX and XXXX  from being sick XX/XX/XXXX. I was sick a month misdiagnosed and probably had the XXXX  XXXX, they weren't used to that as the XXXX  showed XXXX XXXX  to my XXXX and state XXXX  and they assumed post  XXXX affects from my XXXX XXXX XXXX. also, I have XXXX  deposits on my XXXX. 
I'm under the care of a XXXX  and XXXX XXXX. anyway, a week later after the portal mess up I check my bank account and it is in the negative. I call phh mortgage talk to the manager, and she said the portal has been having many glitches and so what. So, basically as a customer I get an answer like that. I went to my bank because I dislike dishonesty from a company. the bank gets my money back. I get a check back from phh mortgage, but I only discover the check and recently deposited it into my bank account. In the meantime, they don ; t want to work with me as now within three months they hired an attorney who is soaking me for fees. I send them a check, it gets returned then a cashiers check for {$2700.00} which would had taken care of it but it by passes the attorney 's letter, so I speak with the case manager and they she says they haven't gotten it yet. So, I get a letter for a short sale for my place where they give me {$10000.00} and they take {$200000.00}. I am distraught and my hardship letter goes unnoticed. I also can't believe that such a mortgage company would do such a thing. This could've been all handled correctly but they went to far. In XXXX I lost my job, besides being so sick and unemployment started XX/XX/XXXX. In the meantime I cut back on all my bills, get rid of cable, get rid of phone and get government phone, food stamps, and have the state pay my water bill and gas and electric. my wifi is {$9.00} for senior citizens since I'm XXXX years old. 
I received a letter from phh motgage stating that my modification loan was denied ( no I wanted to pay the months out with my monthly payment ) because of my credit score. So, I called and paid off all my creditors except XXXX XXXX XXXX XXXX  which I now pay them {$200.00} a month ( bill at {$1000.00} right now ). But, I notice that phh mortgage added {$97000.00} on my credit score which states that in nine months I only paid for six months! ( Six months would be {$3500.00} ) I am so levied because they put me in this position. After three months they would not accept any money. I had my social security money to pay. Now I have my unemployment money, but no, they keep stalling every few weeks with more letters, where I'am going into the hole. And dragging it on with a case manager who acts like she cares, putting me further in debt. 
They currently want {$9400.00} due!!! My delinquency has been due to them not accepting payments. 
I've had my house since XXXX and want to live the rest of my life here. 
They don't care about my situation and saw an opportunity to take my place and make a big profit off of it. 
Each time I called a different agent with an accent I couldn't understand because of a XXXX  injury from a XXXX  accident, I had to repeat myself. No one would connect to the extension of the case worker. All a hoax and a lie. Just stretching time out, to XXXX me over. 
I also, suffer XXXX  badly, and speaking back in XXXX with one doctor as I saw three, I told him I wanted to XXXX, that's how sick I was. I live alone, and it's not good to be by yourself struggling with health and then dealing with a corrupt company. With all this, it has caused me many sleepless night, medication for XXXX and XXXX. 
Governor XXXX has a stay against mortgage lenders foreclosing on houses. And the Care Act, as of XX/XX/XXXX. I want this resolved where I keep my house. My payments are only {$590.00} a month. The stimulus plan for the coronavirus comes out soon. It will help me catch up with my mortgage. I am tired of getting threats from an Attorney who throws his fees up every minute. I am tired of a mortgage company dragging their feet so they can take my house. The case manager is suppose to me helping me, but she is only helping her company. Both Ocwen and Phh mortgage are corrupt as you already now all to well they have many lawsuits against them. I'm tired, frustrated, and so upset. 
Thank you for your time in listening to my case. 
Sincerely.

Company response to consumer: Closed with explanation