Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
PHH mortgage recently sent me a notice of default and intent to accelerate letter. This letter claims they have not received a payment since XX/XX/XXXX. In XX/XX/XXXX I received notice that I was approved for a mortgage modification which I applied for in XX/XX/XXXX when my husband got sick and was no longer able to work. The trial modification was to go from XX/XX/XXXX - XX/XX/XXXX. If I complied with the terms I would be offered a permanent modification. I paid every payment in that time period not just on time but early. At the end of XX/XX/XXXX I received notice that I was being offered a permanent modification and the paperwork was in the mail. I continued paying per the terms of the trial modification while I waited for the paperwork. It took two months and several phone calls and emails before I finally received the new modification agreement. I immediately signed it before a notary and sent it back. I also sent my husbands death   certificate and proof that I was entitled to the property as my husband had passed away   in XX/XX/XXXX. I didnt get any response, however, shortly after I sent in the permanent modification paperwork I lost access to my online account, I could not log in. After several emails to customer service I regained access but I could no longer make payments on line and all the account information changed. Neither the temporary modification nor the permanent modification were reflected on the on line account information, and none of the payments I made under the modification were shown. After several months of phone calls, emails and complaints I received via XXXX the permanent modification paperwork and the agreement to assume the mortgage. I immediately signed and returned the paperwork via XXXX with delivery confirmation. Still nothing changed in my online account. I have made every single payment per the modification agreement since I received it, and every one was on time. I used cashiers checks from my bank and sent every payment certified with signature confirmation return. Every. Single. Payment. Was. Made. I have evidence of every payment. So why are they sending me a notice of Default? 
PHH also refuses to send any correspondence to me, they send mail addressed to my late husband. The mail is returned because the post office was notified of my husbands death. Ive sent countless emails requesting that everything be addressed to me, all are ignored. I didnt receive tax documents because they were addressed to my husband. I havent received any correspondence from PHH at all, except for this notice of Default letter. That they managed to address to both my husband and me. My payments have been made per both modification agreements, I have proof of every payment sent and received by PHH, but still they want to foreclose on my home. To them this is a great opportunity to take advantage of a widow in a vulnerable position who happens to have a somewhat valuable property. This is a scam and it absolutely should not be allowed to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation