Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XXXX XXXX my husband, XXXX XXXX, XXXX died. I continued to pay the mortgage and other bills to maintain the household. While trying to change the electric to my name, I was told by XXXX XXXX that I needed to submit a mortgage statement with my name, not XXXX 's. I contacted PHH mortgage because I had originally been making the payments online. I made them aware that XXXX had died, emailed copies of his death certificate. Then I was told that I needed to provide proof that we were married and that I was on the title deed ; I sent all of this in. The next thing I know I was told that they could not speak with me as I was not XXXX. I received a call a few days later from PHH informing me that I was not on the original loan, and that this should have never been approved. When I asked more questions I was sent to different people, who could not help me. The following months, PHH began returning my monthly payments and I was told that they could not accept payments from me. The next thing I know, my home is n=being placed under foreclosure. I obtained an attorney at this time, who I thought had helped me because PHH stated that I was approved to be the Successor of the loan. I began working with a Care Specialist from PHH, who I met via phone every 90 days to review the loan for modification. Over the past 4 years PHH has requested that I pay large amounts towards the mortgage. At times it was {$5000.00}, XXXX, XXXX, and most recently they are requesting {$10000.00}. I am not sure what they are doing because i try to pay this but if I am unable to pay a month 's mortgage, they now want to foreclose again! I am trying to refinance with XXXX XXXX  to get my name on this loan, but was made aware that it was not legal for PHH to have refinanced with XXXX without my signatures. I want to keep my home, HELP! I spoke with a Rep. from PHH yesterday because I made my mortgage payment XX/XX/XXXX, received a letter stating that they returned it because I needed to pay {$2900.00} instead of {$800.00} by the XXXX of XXXX. While I was trying to borrow the money from my retirement, I received another letter from PHH on XX/XX/XXXX stating that I now owe {$10000.00} on XXXX XXXX! I called and was told yesterday that I owed {$4300.00}!!! When i questioned this, she changed the amount to {$3600.00}. The PHH rep. could not explain to me why I received these letters with different amounts. She transferred me stating that she could not speak with me. I was sent to another person, who told me that my house was under foreclosure. When I questioned this she then changed and said that if I pay {$3600.00} by next Tuesday XX/XX/year>, that my account will become current again. I am so confused and really need you guys help! I have about lost everything and my home is all I have! Please contact me via phone XXXX XXXX XXXX. I am currently trying to refinance, but am having trouble because of what PHH did. I don't have any money left! My daughter may have to drop out of college! PHH says the house is theirs and they want to sell it! But they will not admit that what they did with the title company was not legal.

Company response to consumer: Closed with explanation