Consumer complaint received 2020-10-15
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:
By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector XXXX  '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with  the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement  for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the  statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX, the latter falsely stated that I defaulted upon the  subject transaction as of XXXX XXXX when, at all relevant times : ( 1 )  said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor Litton Loan Servicing LP ( " Litton '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by XXXX 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 ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt  Collector XXXX and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation. 

Additionally, Debt Collector PHH by and through Debt Collector XXXX   and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.

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