Consumer complaint received 2021-07-21
Company: Ocwen Financial Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Phh mortgage/Ocwen/Homeq had to hide charging us late fees somehow. So they put a fake account number on our credit report. 
We never paid late and never wrote a check. 

I will attach my credit report showing the fake account number and NEVER LATE. But do they charge fake late fees? Yes! Look at the credit report showing never late but thousands of dollars in late fees. They need to be behind bars. 

Also, I will attach my deed that shows you I do not have a day during the month that payments are due. I also do not have a NSF fee or policy. So they illegally charged me thousands and thousands of late fees and NSF fees when I have never written a check to them ever. I have asked for the proof of these NSF checks that we were charged thousands for and no one will respond. Because they are fake fake fake. We were charged fee after fee after fee illegally. It is on this website if you are going to enforce it then you must prove it. I have waited for 2 months for these so-called nsf checks and they do not respond. I am filing for identity theft against them for the credit report. Now they are retaliating against us and stating we have to pay them XXXX more a month. They don't say why just put on the front of the screen you owe us XXXX more a month starting XXXX. I am filing retaliation as well. Can someone on here please help us? They are scam artists. 


Look at this credit report with their fake account number. Our account number is XXXX. It has been that number for 15 years! Look at the XXXX. Such a scam! Do you see any late payments? Look at my statements and there are thousands of them. We can do this all day long but I am right and they are wrong. You do not steal from people. It is wrong people. We didn't deserve it. You made us lose faith in humanity the way you callously steal and think it's okay. Its not!!!! 

HOMEQ SERVICING XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$93000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : {$0.00} Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$91000.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1700.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 10 Creditor Classification : Activity Description : n/a Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Comments : XXXXMonth Payment History

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