Consumer complaint received 2021-03-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ocwen / PPH mortgage servicing company have caused major financial damages with willful intent to wrongful foreclosure on our home and small business while servicing our Federal HAMP modified mortgage loan from XXXX to XXXX thru the following actions : 1. unlawful violations to federal regulations and HUD standards for mortgage servicing, misapplication of mortgage payments by placing large amounts funds paid in suspension accounts and consistently manipulating the accounting in order to withhold those funds as mortgage payments then demanding the same payments again to cause damage and default 2. large amounts of unapplied mortgage payments 3. excessive amounts of invalid fees and late charges contrary to our bank records 4. Fraudulent annual statements reported the IRS with major discrepancies 5. False information, invalid claims of debt and faulty accounting reported to Bankruptcy courts and US Trustee for unapplied mortgage payments and commuting perjury in bankruptcy court 6. major discrepancies in the annual escrow state post bankruptcy petition in the amounts exceeding {$14000.00} and discrepancies between annual escrow statements, yearly closing statements to IRS , monthly statements, accounting statements 7. Submitting fraudulent default notice with invalid claims for payments paid post bankruptcy and unapplied and misapplied payments sent to mortgage company per our bank statements and financial records 8. Obtaining court order rulings without notice given to us by anyone including our bankruptcy attorneys demanding pay for unapplied mortgage payments thru false reports contradict Fraudulent accounting with willful intent to remove automatic stay protection of chapter XXXX 9. Willful intent to wrongfully foreclosure on our property by making it impossible to cure default even after sending funds per reinstatement amount demanded then withholding those funds, misapplied and unapplied amounts in order to cause default immediately demand the same payments again. This has occurred numerous times XXXX, XXXX, and XXXX As we have received no response from our bankruptcy attorney and us trustee to correct and invalidate the court order rulings that are based on false claims with faulty accounting which our bank statements prove and so does the accounting statements from ocwen PPH themselves show funding yet their attorneys are moving forward with these fraudulent unlawful activities. 
Therefore have no option but to submit a claim to the federal government agencies to provide protection against Ocwen /PPH for willful intent take our home and only source of income as a XXXX XXXX XXXX of a vacation rental that my parents and I own and will render us homeless and jobless in addition to our XXXX and inability to care for my senior parents age XXXX Our federal modified HAMP loan fixed our mortgage payments principal and interest At {$1300.00} for 24 months post bankruptcy XX/XX/XXXX -present PPH own Accounting records, monthly statements and annual escrow statements shows suspension accounts withholding large amount of funds unapplied, partial mortgage payments applied instead of full payments and misapplied funds to escrow and fees exceeding {$14000.00}, funding and then reverse funding payments, collecting fees and manipulation of accounting as shown per records with discrepancies between claims to bankruptcy court, annual escrow statements XXXX XXXX and statements reported to IRS and the monthly statements and our bank records The XX/XX/XXXX XXXX order demanding 13 months unpaid months at is based on invalid claims of debt as the documents prove Payments funding account post bankruptcy exceeded {$45000.00} property tax $ 6600 yearly Insurance averages $ 1300 yearly Federal government thru HAMP granted us a fixed mortgage payment at {$1000.00} in XXXX to {$1300.00} post bankruptcy XX/XX/XXXX 2019

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