Consumer complaint received 2021-07-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Once again Phh mortgage/Ocwen/Homeq breaking the laws to hide their stealing. They charged me so many late fees for years but yet our credit report shows no late payments. WELL GUESS WHAT? Not only did we pay on time like we always do but we have perfect credit. MMMM something was wrong though and I could not figure out how they expected to get away with charging late payments and it not be reported. I figured it out after digging into their criminal cover-ups and wow this blew my mind. They use a fake account number to report to the credit bureau so it won't match. Wan na see? Let me enlighten you! I will attach the credit report for XXXX showing no late payments and I was charged over XXXX in late payment fees on my account. Never once late and they had to hide it somehow. Very smart but very criminal move they made. This is a felony and identity theft. They made up a fake number for our mortgage account and I will highlight it so you can see it. Oh, I am sure they will reply it was an honest mistake and some poor employee that worked there years ago will be blamed. The pockets that all the monetary gain goes into always find a way not to be accountable. Attached is the credit report from XXXX clearly showing a fake account number. I want charges pressed on them for identity theft. I want all the late payment charges refunded. Some of them are XXXX charges. I can highlight them for you. Attached is also proof they stole from my escrow claiming they paid XXXX on XX/XX/XXXX to XXXX school taxes. We paid the taxes until XXXX so how can they claim this on our escrow? I attached the school tax office payments, and XXXX will be happy to speak with you about their lies. Look where they messed up when copying and pasting numbers and left XXXX transactions in XXXX and then started with XXXX again. Freaking unreal. Look at where they charged XXXX for hazard insurance on XX/XX/XXXX when we had insurance. I will attach our receipts for taxes paid, insurance paid, and our credit bureau. How can you explain all this away? Just stop and show you defeated in this battle of the wills. Goodwill always prevails over bad. It's the way God made the world. Everything stolen from us is coming to the light and you being exposed for what you are. Look at XX/XX/XXXX where they charge us XXXX for a long-form. What the heck is this? Look where they charged us for locks and inspections. Look at the XXXX late fee and the XXXX late fees and the XXXX late fees. Look at all the money in suspense so they could charge us late fees. I want every XXXX from the suspense account applied asap to our mortgage. I want every fake fee returned. Look at all the corp advance fees and insurance company names on the right side. Look at where they are putting investor XXXX and pool on our report to scare us. They have now sent us demand for full payment or they will foreclose. We are prepaid XXXX and they wont apply it to our mortgage. Here is our statement. Look at where they are threatening us. Attached you will see we have prepaid XXXX and they said we are late. I am sick of it. Now we are afraid they will foreclose if we don't send them XXXX. XXXX NO. they owe us!

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