Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Hello! The following has occurred with PHH Mortgage. PHH phone number XXXX Their email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner bought in XXXX XXXX present. 

I was approved for a homestead exemption on XX/XX/XXXX. I emailed my homestead exemption to PHH mortgage on XX/XX/XXXX and they have refused to apply it to my loan. 

From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : XXXX XXXX escrow shortage analysis has been done 2 months in a row and I have already filed a homestead exemption that still has not been applied Hello XXXX!! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX executed my closing. XXXX forwarded me your name to follow up on my concerns regarding escrow analysis, taxes and my homestead exemption not applied Hope all is well. I have attached a copy of my letter from PHH on XX/XX/XXXX at that time it stated that I had an escrow shortage of {$520.00}. Today I looked at my mortgage payment and it has increased dramatically in one month.

My initial payments to PHH Mortgage {$1500.00} monthly mortgage payment began on XX/XX/XXXX On XX/XX/XXXX my payment increased to {$1600.00} based on an escrow analysis is what PHH mortgage told me it was short by {$520.00} to be paid over 12 months. 

Today I checked my PHH mortgage account and my mortgage is now showing I owe {$1800.00} in mortgage payments a month. 

I did not receive an email or notification that my mortgage increased again 1 month after the first escrow analysis. 

I called Phh mortgage to find out why I had another mortgage increase in my escrow shortage 1 month after the first mortgage analysis and phh said it was an off schedule escrow analysis.

I have paid all my homeowners insurance on time, phh also has a copy of the Condo insurance on file and up to date.

I have filed for a homestead exemption and I just emailed it today to PHH for the second time and they still have not applied my homestead exemption Can you please let me know what steps I can take?

It seems predatory for my loan to keep increasing 2 months in a row without proper notification. 

They also still have not applied my homestead exemption. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Messages Found in XXXX XXXX XXXX Customer Care To : XXXX XXXX XX/XX/XXXX Payment Change Reminder PHH MORTGAGE Account ending in XXXX Hi XXXX, Next month your new payment amount will go into effect to ensure your escrow account has sufficient funds to make your escrow payments. The analysis shows an updated escrow amount of {$520.00} effective XX/XX/XXXX. 
You can view this update on your billing statement. 
As an Autopay customer, the new monthly mortgage payment will draft automatically on XX/XX/XXXX. There is nothing you need to do. 
Log in to your account to see your most recent escrow analysis statement or other helpful information. 
We appreciate your business. 
PHH Mortgage Escrow Team Access Your Account Online Access your mortgage account online by setting up an account at XXXX XXXX Access Your Account On Our Mobile AnD Download on the App ANNUAL NOTICE OF ASSESSMENXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Annual Assessment Notice Date : XX/XX/XXXX last date to XXXX a wracten appeal : XX/XX/XXXX This is not a tax bill - Do not send payment*. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX county property recoras are avatiable online at : XXXXXXXX  the amount ofyour ad valorem tax bill for the year shown above will be bared on the Appraised dOom and XXXX sea ( XXXX ) values spetfied XXXX XXXX XXXX of this notice. You have the right to submit an appeal regarding this assessment to the XXXX XXXX XXXX XXXX XXXX. If you with to hle an appeal, you must do so in writing no later than 45 days after the date of this notice If won do not file an appeal by this date, your right to file an appeal will be lest. Appeal forms which may be used are available at. 
http : //dor.seorgia.govXXXX At the time of filing your appeal you must select one of the following appeal methods. 
( County Board of Rouslization ( salve, unifority, denis o exemption, on taxabiltty ) County Hearing Officer ( value or uniformity, on non-homestead real property or wireless personal property valued, in excess of {$500.00} on All documents and records used to determine the current value are available upon request. For turther information regarding this assessment and filing an appeal, you may contact the county Board of Tax Assessors which is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and which mas be contacted by teleonone at : XXXX. Your staflicontacts XXXX XXXX. 
Additional information on the appeal process may be obtained at http : //dor.georgia.gov/property-tax-real-and-personal-property Acrease Tax Dist XXXX XXXX XXXX XXXX XXXX ID Number XXXX XXXX XXXX XXXX - XXXX XXXX Property Description NBHD - XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sales Price The estimate of your ad valorem tax bill for the and the able XXXX 's XXXX lair market value contained in this nouce. I he actual tax bill you receive may be more or less than this estimate. his estimate may not include all eligible exemptions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Begin forwarded message :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation