Consumer complaint received 2020-07-15
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:
The letter dated XX/XX/XXXX that was uploaded to the Consumer Financial Protection Bureaus ( CFPB ) website on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX c/o PHH Mortgage Services ( PHH ), Ocwen Financial Corp. and Ocwen Loan Servicing, LLC (  hereafter collectively referred to as " Ocwen '' ) displays the foregoing parties continued and willful engagement in unfair, deceptive and unlawful debt collection practices in violation of the consent judgments entered on XX/XX/XXXX and XX/XX/XXXX in the U.S. District Court for the District of Columbia under Cas No.s 1:13-cv-02025-RMC and 1:18-cv-00009-TFH, and false statements to a Federal Agency in violation of 18 U.S.C.  section 1001. 

In particular, the foregoing parties continue to falsely declare that I defaulted by not making a payment due for XX/XX/XXXX which contradicts the statements made by Ocwen 's affiliate company and predecessor upon commencing foreclosure for the same transaction by complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX wherein the default is declared as of XX/XX/XXXX and no payments were made for the months following and through XX/XX/XXXX. Furthermore, the foregoing parties continue to conceal approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX with approximately $ XXXX being cashed by PHH 's predecessor. 

Lastly, the foregoing parties refuse to comply with my request and demands made pursuant to 15 U.S.C. 1962 ( g ), 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq., and 15 U.S.C. 7021 ( f ), by omitting and failing to forward the following : Proof and validation as to the existence of the XXXX XXXX XXXXXXXX XXXX XXXX. 
The original loan application and file in its entirety. 
Date the subject account became payable. 
Certified, true and correct copy of the of the Notice of New Creditor sent to me by the creditor or the latters authorized agent ( s ) that you claim is legally entitled monies for the disputed debt as required by 15 U.S.C. 1641 ( g ). 
Date of default and acceleration ( if applicable ) for the subject account. 
Certified, true and complete accounting for the subject account from the first payment applied to present date. 
Certified, true, complete and itemized statement of any and all arrearages including each month in which the alleged default occurred, and the amount of each monthly default for the disputed account. 
Complete and itemized statement of any late charges to this disputed account from the origination date to present date. 
Complete and itemized statement from the origination date to the present for any fees incurred to modify, extend, or amend the disputed account or to defer any payment due under the terms of the disputed account. 
Current amount needed to pay-off the subject account in full. 
Current amount needed to reinstate the subject account in full, if it is not current. 
Certified, true, complete and itemized statement of all advances or charges against the subject account applied for any purpose. 
Certified, true, complete and itemized statement of the escrow account for the subject account, if any, from the inception of the subject account to the date of this letter, including, but not limited to, any receipts or disbursements with respect to real estate property taxes, fire or hazard insurance, flood insurance, mortgage insurance, credit insurance, or any other insurance product. 
The names and addresses for the certificate holders for XXXX XXXX XXXX claiming ownership rights to repayment of the subject account number. 
A certified true and correct Authoritative Copy of the transferable record assigned MIN XXXX and made part of the above referenced account number in dispute, as required upon demand made pursuant to 15 U.S.C. 7021 ( f ). 
Proof of mailing denial of modification letter dated XX/XX/XXXX.

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