Consumer complaint received 2022-08-24
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : cfpb Consumer Financial Protection Bureau ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX, TN XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX REF : File a complaint against PHH Mortgage Services Ocwen Loan Servicing LLC XXXX 
Product : Mortgage ( Ocwen Loan Services ) & ( PHH Mortgage Services ) Loan number XXXX Property Address : XXXX XXXX  XXXX XXXX XXXX 
XXXX, TN XXXX Issue : 1. Not getting full payment credit for reinstating the loan in full after court decision XX/XX/XXXX. 
The loan was reinstated paid in full brought current XX/XX/XXXX with two payments : 1. reinstatement amount. 2. A second payment paid in full for the other outstanding amount that was due on the loan. 
I will send copy of the wire transfers that will show proof of both payments to the mortgage company. 
2. A Settlement Agreement was reached between Ocwen Loan Services LLC and Plaintiff XXXX XXXX on XX/XX/XXXX effective XX/XX/XXXX at which point the mortgage loan should have been reported as current to all credit bureaus. Ocwen Loan Services LLC from year XXXX did not bring the account current and Ocwen Loan Services LLC breached the terms of the Mediation Settlement Agreement. The United States XXXX XXXX for XXXX XXXX XXXX Tennessee XXXX XXXX handled this first case. 
Note : See PDF Document Labeled XXXX TN XXXX XXXX XXXX As a result of breaching the Settlement Agreement another law suit was filed against Ocwen Loan Service LLC on XX/XX/XXXX in the United States XXXX XXXX  for the XXXX XXXX XXXX Tennessee XXXX XXXX case number XXXX Plaintiff XXXX XXXX. 
You will see from the case file that on XX/XX/XXXX section ( Alternative Dispute Resolution ) section A and B Mediator must file Mediation Certification Form. Note : See PDF Document Labeled XXXX TN XXXX XXXX XXXX You will note that on XX/XX/XXXX the Judge set a Pretrial Conference date XX/XX/XXXX and then a Jury Trial Date of XX/XX/XXXX at XXXX am. 
Because of Covid19 the trial was postponed. 
During this time PHH Mortgage Services reported two late payments on the plaintiff mortgage account to the Credit Bureaus XXXX, XXXX and XXXX while still in this litigation. Case number XXXX proves that litigation was going on and enforced by the XXXX Courts. Note : See PDF Document labeled XXXX TN XXXX XXXX Court A copy of XXXX XXXX credit profile history will revile this action by PHH Mortgage Services. 
Fact XXXX XXXX credit report will also revile that Ocwen Loan Services LLC never reported the mortgage loan XXXX as current to any the credit bureau XXXX XXXX, XXXX and XXXX except as late. Instead XXXX XXXX XXXX XXXX falsely reported late payments on the mortgage account XXXX to the credit bureaus for three years causing serious credit damage to XXXX XXXX credit history. 
XX/XX/XXXX the judge ruled that the Mediation Settlement Agreement will remain enforced for the plaintiff XXXX XXXX and that I had thirty days to bring the Account current. 
The wire transfer record will serve as proof that PHH Mortgage Services received full payment to reinstate the XXXX on XX/XX/XXXX in the amount of {$39000.00} and a second wire transfer in the amount of {$3600.00} to XXXX Mortgage on the same date to cover the other outstanding charge that was listed on the reinstatement letter. 
Note : See PHH Mortgage Services Reinstatement Doc2 or PHH Mortgage Service Reinstatement XX/XX/XXXX. It The amount paid was enough to cover all reinstatement fees and outstanding balances due plus XXXX XXXX payment included to bring the Mortgage loan ( XXXX ) current in full. 
Note : See PDF name Wire Transfer to PHH Mortgage Services. 
This also will serve as proof that PHH Mortgage Services should have never reported any latency on this mortgage account loan number XXXX during this time. 
A copy of XXXX XXXX credit report will be attached to this complaint for you to review. The credit report it will prove everything thats stated in this complaint from year XXXX, XXXX, XXXX, XXXX, XXXX and XXXX present. 
3. Both mortgage companies reported false late payment on the mortgage account even after the loan was reinstated to full status and several times while in US Court  litigation to the three-credit bureau XXXX This caused further serious damage to XXXX XXXX Credit Profile preventing him from getting refinanced by other potential Mortgage Lenders.

Company response to consumer: Closed with explanation