Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
THIS IS THE THIRD COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ ~~~ou have not AGAIN addressed EVERYTHING in my complaint. The mortgage company came back to XXXX after Bankruptcy was SETTLED ( FORCED BANKRUPTCY BECAUSE THEY REFUSED TO TAKE TWO LATE PAYMENTS ) and said " oops, we just found XXXX MORE that you owe. I have since done more digging and this in not allowed. Ocwen should have done ALL their work prior to, and not added debt they just didn't 'find ' soon enough. That was one issue I brought up TWICE now, that is always ignored. Then the other issue that is ignored, is that just a few months ago the payment amount PHH is asking for monthly went up. It is Not supposed to have gone up more with you. We are at the end of our arm interest rate. Nor did PHH send any information to the attorney explaining anything ( I checked with them ). My payment will remain XXXX ( which is what is on my last attorney letter ). There has been no explaination and PHH is not following bankruptcy rules by going through attorney. 
As far as the 'inconvenience ' of not getting information on OUR OWN account, it has been BEYOND unreasonable. First, we have been communicating with Ocwen for all these years Since it happened, and Suddenly this summer, no one can give us info. THEN when lawyers DO send " required '' signed documents, PHH, Never can find them. So they have been resent multiple times ( delaying communication for months ... .very convenient for PHH ) ~~~ Nothing is settled until all issues are addressed and I  see in writing HERE, where there is a record, How TO GET FEES REIMBURSED, AGREEMENT THAT PMT IS NOT RISING, ADJUSTMENT TO LOWER, because I got the property taxes lowered. AND ADDRESS THE ADDITIONAL XXXX added to bankruptcy AFTER THE FACT The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and BBB to make PHH adhere. PHH can not arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH

Company response to consumer: Closed with explanation