Consumer complaint received 2022-03-22
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The mortgage originated in XXXX with XXXX XXXX  by XXXX XXXX. In XX/XX/XXXX the mortgage became quicken loans. From there they went through a multiple of mortgage companies ( 7 ) from countrywide, XXXX, and several others before becoming Ocwen. This caused multiple issues. 
In XX/XX/XXXX the mortgage was modified Home Affordable Modification Program ( HAMP ) incentive during this time the mortgage company right to transfer/sell off to another mortgage was removed. The mortgage company can only transfer /sell off with court order or XXXX XXXX Approval which OCWEN approved. Then as PHH mortgage purchase/acquired OCWEN still responsible for following this agreement. 
A letter was sent to OCWEN by certified mail in XX/XX/XXXX. This letter stated that any extra payment, funds, refunds and etc. would be applied to the principal for the entirety of the mortgage agreement. 
At the end of XXXX over $ XXXX of extra payments were not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
In XX/XX/XXXX PHH mortgage purchase OCWEN mortgage and taking over all responsibilities, issues, and agreements. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
In XX/XX/XXXX PHH mortgage violated the agreement set forth during XX/XX/XXXX HAMP in which the mortgage company would have to XXXX XXXX approval or Courts approval to transfer or sell off. So, unless XXXX servicing purchased PHH mortgage then PHH mortgage violated the agreement and transfer/ Sale are null and void. Plus, PHH mortgage then committed identity theft by releasing XXXX XXXX personal information and Social Security without my approval. XXXX XXXX is also committed identity theft by not receiving preapproval to receive XXXX XXXX personal information and Social Security. 
At this point PHH mortgage is missing $ XXXX in payments ( extra payments, escrow, interest ). This doesn't include the missing amount for lower payments should have occurred from XXXX to XXXX to XXXX to XXXX to XXXX to current which I am guessing is another couple {$1000.00}. Plus, I was never late on any payments. 
As PHH mortgage purchase OCWEN they are responsible for everything all the way back to XXXX. 
I have complained XXXX times about these issues by letter, e-mail, and phone with no response from either XXXX mortgage XXXX incentives of {$5000.00} on the sixth anniversary XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Payment was NEVER APPLIED. 
Government Incentive for Customers in Good Standing of {$5000.00} was also never applied. 
I contacted PHH mortgage both by phone and e-mail with no response. I also sent a letter which I waited 30 days with no response matter fact I have read your received response in 90 days from when the letter was sent. They only respond when consumer financial protection Bureau is involved. 

At this point with the missing incentives and the missing payments we are now over {$30000.00}. At this point I am ready to contact prosecutors office and have PHH mortgage license revoked and embezzlement charges brought forth. Along with government fraud stealing government incentive.

Company response to consumer: Closed with explanation