Consumer complaint received 2020-09-16
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHH Mortgage Corporation d/b/a PHH Mortgage Services ( " PHH '' ) by and through XXXX XXXX XXXX ( " Attorneys DM '' ) and the latter 's employee XXXX XXXX ( " Attorney XXXX  '' ) caused a false response to be forwarded to the Consumer Financial Protection Bureau ( " CFPB '' ) by use of wires in violation of 18 U.S.C. section 1343 that is enclosed hereto as Exhibit A, by falsely stating that I defaulted upon the subject mortgage loan as of XX/XX/XXXX, contradicts the XX/XX/XXXX date of default declared under penalty of perjury by PHH 's predecessor Litton Loan Servicing LP  ( " XXXX '' ) to the Superior Court of New Jersey by foreclosure debt collection complaint filed JXX/XX/XXXX under Docket No. : XXXX, a true and correct copy of which is enclosed hereto as Exhibit B.

Within the XX/XX/XXXX response to the CFPB enclosed hereto as Exhibit A, PHH by and through Attorneys DM and Attorney XXXX are concealing approximately {$21000.00} in monthly payments that I made towards the subject account from XX/XX/XXXX through XX/XX/XXXX, of which approximately {$16000.00} was cashed by PHH 's predecessor and / or affiliate Litton Loan Servicing LP ( " XXXX '' ) and never credited towards the subject account. I hereby ( submit ) again to the CFPB as Exhibit C checks totaling {$15000.00} that I made, PHHs predecessor XXXX cashed and failed to credit my account for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; and XX/XX/XXXX. I further submit ( again ) to the CFPB as Exhibit D checks totaling {$5100.00} that I made, PHHs predecessor XXXX received and rejected without good cause for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX.

I further object to and reject the false statement made within the response electronically submitted to the CFPB by PHH through Attorneys DM and Attorney XXXX, that PHH has provided me with all the information that I have been requesting since XX/XX/XXXX to present date by way of debt validation letters, qualified written request, and presentation of transferable record pursuant to applicable federal laws, for which they have responded with : ( 1 ) incomplete responses ; ( 2 ) no responses at all ; and / or ( 3 ) contradictory and / or forged evidence.

Essentially, PHH as the successor of XXXX has stolen at least {$15000.00} from upon taking and cashing the payments that I made to XXXX XXXX  for the months of XX/XX/XXXX through XX/XX/XXXX without crediting the subject account. Attorneys DM and Attorney XXXX are, essentially, aiding and abetting said theft of my monies and attempted theft of my property by PHH as the success of XXXX upon falsely stating to the CFPB onXX/XX/XXXX that I defaulted as of XX/XX/XXXX ( See Exhibit A ) when the evidence that I have enclosed hereto as Exhibit B ; Exhibit C ; and Exhibit D demonstrates otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation