Consumer complaint received 2017-10-19
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 status incorrect

Complaint:
OCWEN XXXX SERVICING, XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their malicious, deceitful/deceptive, fraudulent business operations ( See attached Exhibit D, http : XXXX and https : XXXX ) which includes, but is not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, XXXX 's products and services. How many bank account digits does OCWEN LOAN SERVICING, XXXX 's payment system REQUIRE to generate a payment confirmation? For example, can a consumer entered just XXXX bank account digits into OCWEN LOAN SERVICING, XXXX 's payment system and get a payment confirmation? There is NO civilian/citizen/consumer misunderstanding. Timestamped consumer bank records are available upon request to justify XXXX funds were available to pay ALL payment incidents in XXXX XXXX. For the record, OCWEN LOAN SERVICING, XXXX 's WEBMASTER ( XXXX XXXX XXXX show a login on XXXX XXXX, XXXX, but it now appears that OCWEN XXXX SERVICING, XXXX 's WEBMASTER ( XXXX ) created an instance/tampered with consumer records to CYA. Let me be CRYSTAL clear : I DID NOT login and cancel my XXXX XXXX, XXXX payment just to replace the payment again on XXXX XXXX, XXXX. I had to resubmit a payment on XXXX XXXX, XXXX due to OCWEN XXXX SERVICING, LLC FAILING TO PROCESS/WITHDRAW and APPLY MY PAYMENT CORRECTLY TO MY ACCOUNT on XXXX XXXX, XXXX. FUNDS WERE N'T RECEIVED BY OCWEN XXXX SERVICING, XXXX because OCWEN XXXX SERVICING, XXXX FAILED TO PROCESS/WITHDRAW and APPLY MY PAYMENTS CORRECTLY TO MY ACCOUNT. My incident is XXXX of many that have been cited as suspicious and malicious acts of fraud, collusion and corruption with other organizations affiliated/associated with/does business with OCWEN LOAN SERVICING, XXXX. Again, there 's class action litigation http : XXXX regarding OCWEN LOAN SERVICING, XXXX 's operations, XXXX include, but XXXX not limited to, malicious operations with OCWEN LOAN SERVICING, XXXX 's accounting practices XXXX 

XXXX XXXX ) I DID NOT and I NEVER cancelled my mortgage payment on XXXX XXXX, XXXX XXXX see attached files - Exhibit A as well as Exhibit XXXX which are Ocwen sourced Payment Receipts and Confirmation electronic records ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( XXXX ) failed to properly process and apply my XXXX XXXX, XXXX payment to my account and kicked it out of their system ( XXXX malicious incident in XXXX XXXX XXXX. I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XXXX XXXX XXXX XXXX See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC XXXX XXXX XXXX, XXXX. ( XXXX ) On XXXX XXXX, XXXX, OCWEN LOAN SERVICING, XXXX failed to process/apply my XXXX XXXX payment AGAIN on XXXX XXXX, XXXX XXXX See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit C ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( XXXX ) failed to process and apply my XXXX XXXX, payment/kicked it out of their system AGAIN ( XXXX malicious incident in XXXX XXXX XXXX. XXXX XXXX ) OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached consumer credit report document/file labeled Exhibit XXXX ). XXXX XXXX ) OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XXXX XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, XXXX XXXX XXXX department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC XXXX OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.

Company response to consumer: Closed with explanation