Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
Loan # XXXX To Consumer financial Protection Company, I have already contact you guys about this issue with PHH mortgage company about PHH not taken my payments and were they are the ones that cause me to get behind on my mortgage. After trying since XXXX of XXXX to straight this out I final get a response from my escalation manger XXXX XXXX on XX/XX/XXXX that it was their fought and the customers service representative should have accept my payments until the problem was corrected. As of today I'm behind 14 months and PHH has sent me foreclosure papers in XXXX to my attorney office in Ohio, which I live in Iowa. I retain them just to look into this for me and they just told me to get away from PHH and try to refinance my home with another lender, because PHH is bad news and will be changing there name again. They told me several times I was not qualified for a modification but yet they sent me the paper work final for the modifacation due to me having a hard time to get them off there website and my attorney had the same problem. XXXX XXXX told to send a letter of Error to PHH I did  on XX/XX/XXXX and they still have not received it as they told me. So what should I do, send another one? 


I went back and look at what happen again and look through my payment history and what I paid to Ocwen and PHH mortgage companies. 


XXXX payment history for Ocwen XXXX- {$800.00} XXXX- {$840.00} XXXX- {$840.00} XXXX- {$800.00} XXXX- {$840.00} XXXX- {$800.00} XXXX- {$800.00} XXXX- {$800.00} XXXX ) XXXX {$800.00} owed, in the hospital XXXX ) XXXX dont remember why {$800.00} owed, Which I don't understand why I was never notified by this and I set up direct deposit this month. I was going through medical issues and still is but I did notified Ocwen I would pay them back and they agree to it and said just add it in with my payments how much extra I want to pay. 

XXXX- {$1500.00} XXXX-XXXX If you add all of this up you should get {$9000.00}. If you add my normal payment a month by XXXX XXXXx XXXX= {$9600.00} so this means I was short {$590.00} and never knew it or receive any call or notice from Ocwen about it, would of been take care of. 

Now lets look at the Tax history for XXXX taxes which for that tax year is {$3700.00} XXXX {$1300.00} I paid for the installment of XXXX taxes XX/XX/XXXX Ocwen paid {$600.00} XX/XX/XXXX ) XXXX taxes installment {$1800.00} XXXX  paid them, and from my understanding they are part of Ocwen.

This mean I owed them back {$2400.00} for taxes, which I thought Ocwen took it out of my payments but did not. 

XX/XX/XXXX ) Ocwen called me by phone and said they made a mistake and realized they were short and told me what to pay {$1000.00}, and I recive another call from Ocwen a few days later saying I owed {$350.00} and once again it was their mistake, not collecting the right amount. I'm now resheaching ever payment that was paid. The customer service rep form Ocwen said everything was good. Which I never knew the numbers were off. We our also looking at the reflection of my balance how it went up and never move even when payments were made. 

So this would of took care of the {$580.00} and this will leave {$420.00}, still owing {$380.00} for the month of XX/XX/XXXX and maybe not if I find the last payment of {$350.00} this would leave a XXXX balance XXXX ) I paid {$2800.00} to PHH and the XXXX taxes {$2400.00} XXXX owing {$44.00} left XXXX owing {$800.00} adding these two together {$840.00} I could have paid this in XXXX of XXXX but they told me I still owed {$2800.00} for the month of XXXX of XXXX, which I did not! After that it all went down hill. PHH would not expect any of my payments and said I owed for all of XXXX taxes year and XXXX taxes year which is not true. They now have me owning {$3900.00} one month or higher amount when I call back, it depends on who I talk too. What a night mare! 

Taxes I paid for XXXX {$3700.00} XXXX Tax year for the first installment in XXXX, I have already paid {$2000.00} and will pay the second installment in XXXX. 

Maybe CFPB can see what happen, because I did not and PHH gave me the run around. My monthly payments has been high as {$4900.00} a month which can be confuse and lower it depends who I'm taking to at PHH. So now I understand why the escalation manger XXXX XXXX said they were wrong for not expecting my payment because I wouldnt have been behind if PHH took my payments until this was straighten out. I dont know why Ocwen or PHH never said anything but this confuse within there own company but instead it was all on me and brought nothing but grief, when I try to straight it out. Can CFPB help me with this. By the way a custom service representative told me XXXX XXXX is the one that started the foreclosure on my home and said I did not return his phone call and this is why he sent it to foreclosure. I was in connect with PHH and venture Mr.XXXX   phone call, as well as my attorney at the time. Which XXXX XXXX said he did not know I had attorney when I talk with him, so he must not received the message when I called back as well. I would also like to started back receiving my monthly statements every month as well, which I haven't. XXXX XXXX did give me the address to send in a Notice Error to their Florida office and no respond. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation