Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
By their own admission PHH Mortgage has known since XX/XX/XXXX that my mother had passed away and they stated that they had the death certificate since then, yet they ignored every request that made from XXXX XXXX requesting assistance since I was unemployed. Even when the foreclosure was on hold, they refused any amount of money that I sent. They sent me a photocopy of the check I sent and shredded the check which made absolutely no sense. PHH waited until XXXX when the loan matured and the fees started mounting. Like inspection fees every month that started at {$20.00} then went up to {$30.00}. Oh they could manage to send the letters for those but conveniently never received the request for mortgage assistance. I received a letter today stating the payments starting XX/XX/XXXX, were supposed to have been {$750.00} which {$630.00} would go to the principal amount and interest ; {$120.00} would be allocated to the escrow account. Instead of it being that amount I was charged from June 2025-August 2025. But instead, I was paying {$1100.00} for XXXX XXXX, and they continue to charge monthly {$30.00} inspection fees. What are they inspecting? That's over {$300.00} more than what I received in the letter dated XX/XX/XXXX. Also, according to the letter when an escrow analysis was done XX/XX/XXXX the escrow shortage was {$560.00} ; why they feel like it need to be spread over XXXX XXXX is nonsense. But currently it shows the escrow is- {$2300.00}. That's a huge jump from {$560.00}. That's over a {$1700.00} increase. Since XX/XX/XXXX, I have called PHH several times informing them that I had sent {$1000.00} over night to be paid strictly to the escrow balance. It was eft at the post office several days and was finally picked up and applied XX/XX/XXXX to the principal balance. I called again XX/XX/XXXX asking about the money being put towards the escrow only to be told by XXXX that it will only go towards principal because the account is behind BUT the letter dated XX/XX/XXXX states I can make a lump sum deposit towards the escrow. Since this letter is signed from the loan servicing department why are they refusing to put the {$1000.00} where they were instructed to put it? I was told that I sent it to the wrong P.O. Box BUT there was a letter attached to the money order stating exactly where the money was supposed to go. Everyone knows that the lower the escrow balance when it's in the negative it will lower the mortgage. Yet, PHH mortgage is charging me more for the mortgage than the letter states and they are refusing to put the money I sent to the escrow. Not only that I received a letter XX/XX/XXXX, for over $ XXXX for foreclosure and another XXXX date XX/XX/XXXX, for over $ XXXX in foreclosure fees how is that possible? When I inquired about it they stated they would research it and I never heard back from them. I was supposed to have received a call from XXXX on XX/XX/XXXX about this situation, that call never came but this letter did instead.

Company response to consumer: Closed with explanation