Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I want to put in a complaint with XXXX XXXX XXXX, XXXX ITS CAPACITY AS TRUSTEE for selling my loan service to phh mortgage. 

PHH MORTGAGE is not the lender. PHH MORTGAGE is the company that manages the loan. PHH MORTGAGE never contacted XXXX XXXX XXXX to the best of my knowledge till XXXX. 

I recorded a bargain and sale deed on XX/XX/XXXX of XXXX. I also had some research done on the property. 

Exhibit 1 : bargain sale deed and research on the property I contacted PHH MORTGAGE in XX/XX/XXXX after my father passed away. I informed them at that time I would need a letter stating that I was not on the loan and I was not responsible for the loan. PHH MORTGAGE never did one XXXX thing. I have over 23 hours of talking with PHH MORTGAGE to get the letter done and they kept saying they're getting it they're getting it. After my dad 's state closed, I'm not sure how many times I called but I could pull up the phone records and tell you. 

Exhibit 2 : hours on phone My mother hired me an attorney to see if PHH MORTGAGE would respond to them but there was no response Exhibit 3 : letter from lawyer I hired an attorney in California because that's where my dad died and that is where the probate was. I spent over {$60000.00}. I should never have spent a penny because if PHH MORTGAGE would have done their job we wouldn't be here I never heard from the PHH MORTGAGE until XXXX when they sent me a notice of intent to foreclose. I called PHH MORTGAGE and they informed me that they never got a change of address or phone number which was a total lie because I enclosed all my information when I sent the death certificate. PHH MORTGAGE said they had the death certificate. 

Exhibit 4 : notice of intent to foreclosure I didn't understand what the heck was going on because I had it being directly paid out of my checking account. The reason the mortgage got upside down was because PHH MORTGAGE never informed me that the interest rate had changed. PHH MORTGAGE started charging me interest for late fees and everything else they returned my money for the XXXX payment. I fought with them to get the late fees off and they said that they would, and I said I would pay the payment but they never did anything about it and I never made a payment since. I called them repeatedly about it and you can see that on Exhibit 2. 

XXXX through XXXX of XXXX the payments were taken out of my father 's account. In XXXX of XXXX the executor of the estate said that my father was not responsible for the loan because I was also on the loan. That is a false statement because I am not on the loan and I'm not responsible for the loan Exhibit 5 : Money that I paid personally on the loan In XXXX of XXXX I put it in a mortgage assistance application. That was really a mess of bad communication between me and PHH MORTGAGE. I want to do a short sale and I offered XXXX and they did not accept it. I asked PHH MORTGAGE what they would take. PHH MORTGAGE would be XXXX but I couldn't do it because the loan was in modification, and I would have to wait till they got out of modification. We went to court I believe three times I can't remember and the last time we were going to go to court and get it all handled PHH MORTGAGE didn't show up, so the case was dismissed and dropped. We were back to square one. 

Exhibit 6 : Mortgage assistance I have talked to so many people at PHH MORTGAGE. I have had at least three different case managers. I forgot my first case manager 's name but the second one was XXXX XXXX. She is a very kind lady and she tried hard to get things done but she couldn't get anything done. The next one that's current now is XXXX XXXX XXXX he is very disrespectful and doesn't even know his job. 

Exhibit 7 : Reassignment caseworker They did investigation XX/XX/XXXX and they said that I was wrong if they were right Exhibit 8 : response letter PHH MORTGAGE is like working with a bunch of first graders. They don't have a clue of what's going on. I finally said I can't deal with them anymore. I authorized XXXX XXXXXXXX to do the documents and communicate with PHH MORTGAGE. I want to prove how bad PHH MORTGAGE is and now there's a third party. 

Exhibit 9 : authorization of XXXX On XX/XX/XXXX of XXXX PHH MORTGAGE sent out another Borrower assistance package. I filled out all the paperwork for them and they keep calling me saying their missing stuff but this time I went through XXXX so it would be my word against PHH MORTGAGE like the first time I learned my lesson. XXXX has been so kind to me it's unbelievable. Now I believe the State of Oregon the District Attorneys office is on my side as well. It's nice to finally get help. PHH MORTGAGE and their attorneys as well have lied to me over and over over again plus they have lied to Consumer Finance. 

Exhibit 10 : Company responding to consumer finance Exhibit 11 : Letter stating I'm missing documents for the mortgage assistance which I have proof that I sent them to PHH MORTGAGE. 

Exhibit 12 : borrower assistance I don't recall the date I put in a request for a short payoff with PHH MORTGAGE. I believe it was like six months ago and in XXXX I received a phone call from PHH MORTGAGE to send the XXXX and they give me the wire instructions. I told them it would be a couple days for me to get the money together. I got the money together and wired it XX/XX/XXXX. On XX/XX/XXXX, I received the letter that they're not accepting that short pay off now. I believe they are not accepting it because the house is gone up so much since XXXX. In XXXX it couldnt even sell for XXXX. I had it up for sale because I was going to move to California to take care of my Father, but he passed so I took it off the market the next day. I received a letter on XX/XX/XXXX of XXXX saying PHH MORTGAGE is not refunding my money. That is 100 % against the law. 

Exhibit 13 : information on short payoff and a letter about the XXXX I sent them. 



I applied for a loan, and it appears that loan was taken out with me and my dad in XXXX. I don't know what PHH MORTGAGE has done now but they are hurting my credit. 

I reached out to the Oregon Legislature and got a nice Response. 

I requested documentation from my case manager at PHH MORTGAGE XXXX XX/XX/XXXX and I haven't heard one thing I am really reaching out to everybody I can. PHH MORTGAGE is 100 per cent in the wrong. I just need some people to help me. 

Exhibit 14 : proof of the things I said above

Company response to consumer: Closed with explanation