Consumer complaint received 2020-01-02
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I just found out by applying for a mortgage that there were balances on a some 7 year old short sale rental properties that were agreed to be paid in full and I have all of the documentation that the payoff was agreed and I have the HUDs and the mortgages were paid by an attorney with a realtor and the amount was satisfied. There were 6 properties involved closed 5 closed XX/XX/XXXX and the last one XX/XX/XXXX. 

2 mortgages were with Homeward and Ocwen did the closing and the other 2 were XXXX and XXXX did the closings. All documents were agreed and I worked extremely hard with NO pay to get these properties sold without being vandalized. Out of 24 units in this complex, I had the last 6 and they had all gone to foreclosure and the neighborhood was in dire straights and drug infested. I Could not rent for what the mortgage balance was and the appraised value was XXXX, XXXX. 

I called all of the 2 mortgage companies and THEY both Homeward and XXXX said the best decision was to short sale. 

The mortgage recession had ruined my career and now my property was worth 25 % for what I paid for them. I DID NOT cause these situation nor a dead beat borrower. The market put 9 million people out of business. We had buyers in XXXX of XXXX but due tro poor customer service we lost 2 cash buyers and the third buyer bought all 6 and these loans were closed and I never heard a word from anyone. I received a mortgage interest statement and that was it. 

In XXXX of XXXX I received started recieving dozens of letters from the IRS and the XXXX personal tax returns were reporting XXXX of income and only XXXX of XXXX was I able to pull the transcripts to see that Ocwen and XXXX had sent 1099s to the IRS that I had earned income on the properties. 

I have the waivers in my package. This is unbelievable. 7 years ago. I dont ; know if my tax returns were tampered with or what happened. XXXX XXXX is under investigation for committing fraud on my returns. 
At any case I do not owe any money. How is it legal for a mortgage company to bill a citizen and I am XXXX and live on XXXX and say I am responsible for the debt. 

If I knew that was even a remote possibility I would have filed for bankruptcy. 
This is a insane that both companies Ocwen and XXXX just happened to send the IRS 1099s at the same time the same year. I know there is fraud involved. 

How ironic that Ocwen a known scammer company and then XXXX supposedly a reputable company would report at the same time. 

The mortgage 2 XXXX and one Ocwen closings were in XX/XX/XXXX and the last Ocwen was XX/XX/XXXX. 
I have emails from the atty assuring me that there is not deficiency and I would not have wasted 6 months of my time and seriously it was hard work to get all this paper work done, If there was a fraction of a chance there was a deficiency. 
I have the paper work and have sent to XXXX and to PHH which is supposedly taken over Ocwens. 

This really looks very criminal and definitely violates my civil rights. I had never received any mail no notice nothing except the IRS saying my income was XXXX in XXXX. I pulled my transcripts in XXXX and THESE WERE NOT THERE> I have sent to XXXX  and to my XXXX XXXX XXXX and to XXXX and PHH all of the loan packages and the consent that the lender advised me to do a short sale in lieu of foreclosure. There are ( 4 ) 1099s that were sent to the IRS with out contacting me or sending me a copy or any notice at all. 
The IRS say they can garnish my XXXX and what little assets I have left. 
To charge me 7 years later for that kind of debt and if this is legal is communism and I will send this to TIGTA and will sue the Mortgage Companies for fraud and a malicious attempt to destroy my life and my what is left of my life. I just turned XXXX years old and this type of consumer abuse is criminal and absolutely violates several amendments. I have no problem going public with this and filing any complaint that will stop consumer bullying and the IRS should not accept this bill and apply it to my taxes. These closed 7 years ago. Doesn't the government protect the people. I have a wonderful lady helping me with this BUT the IRS should take one look at this and see the closing date and revers the charge. I am quite sure these companies wrote this amount off the year of the closing. Which is a tax write off. So this is illegal and I will write every member of congress and yes please post this, More people need to stand up for our rights. I had no control over the recession and the property values and I will not pay stand for this attempt to further destroy my life. I have suffered greatly and can barely live on a XXXX check. I was in XXXX  and the stress of this has cause my illness to resurface. 
This is financial abuse and I am being bullied by the Federal Government. I have been abused by crooked attorneys and crooked accountants and this is just proof that some how 2 companies that have nothing to do with each other and each townhouse had a different address and just so happens that ... BING.. all 4 hit my tax returns back to back. I have names, addresses, HUDs, documents and waivers of delinquency and will gladly provide any information you need. 

WE The PEOPLE need to gather together and enforce our amendments. Thank you CFPB for having this site for us to file a complaint and try and get justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation