Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This issue has been going on for 10 plus years! PHH mortgage has made several accounting errors and has put fees onto my loan to compensate for their mistakes. In XXXX There was a fire where I live and I called to see if I could make a payment possibly 2 weeks late due to a hold up on an escrow. I was granted that request by a forbearance. I was able to make my payment in a little over a week but was denied because I was in a forbearance. I was held in this forbearance for approx. 11 months and during this time was sent into a foreclosure and charged fees for such. during this time it was found out that PHH had not been collecting my property taxes as part of my impounds as my loan paperwork had stated and so since I could not come up with the back taxes they said they could put that amount on the back of my loan with a modification. The paperwork was sent out in someone else 's name however my property address and I was told I must sign the paperwork or they would sell my property but they could fix the name and the fees afterwards. Also I must agree to have the impounds for taxes included in my payment which was not an issue since I had set it up that way in the beginning. modification done. never was the modification paperwork fixed. 
around XXXX I get a notice that my property taxes were not paid. I contact the bank and it is confirmed that they had not been and I start receiving new payment amounts to include those back taxes which of course I can not pay because I did not keep money for taxes I thought were being paid yet again. During the time figuring this out I was sent into foreclosure yet again and thee property was due for auction. By the way the same person was sending me out notices posted to my door, the same name as last time however all the notarized documents has different signatures to the same name. Fraud I would say. Finally after contacting a administrator in the company she was able to get things straightened out however only to stop the sale and again the back taxes were added to the back of my acct and the fees were supposed to be removed and my credit restored. The credit was fixed however 5 years ago I found out the fees were never taken off my acct. I found this out when the bank tried to breach the previous modification they had done on my acct and I had to write to your agency again for help which did solve the problem and everything was reversed yet the fees has to be ok 'd and taken off by another department which I was told would be done and guess what??? Right never done. 
I am trying to pay off my house and I would like these fees which amount to around $ XXXX to be credited to my acct as you previously had arranged and XXXX XXXX from PHH agreed to and it has not been done. 
This company is a predator and has tactics that are fraudulent to the consumer and unlawful they should really be shut down. I just want to be free of them. I am a XXXX woman who has worked her tail off to be free of these monsters and I just want these foreclosure and attorney fees credited back to my acct as promised several times and never done. I want to pay off my loan. Please help again! Also I have boxes of every letter every notice on this situation. 
Thank you.

Company response to consumer: Closed with explanation