Consumer complaint received 2023-08-16
Company: Ocwen Financial Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, from 1099-A and 1099-C were submitted and approved by the Department of the Treasury Internal Revenue Service to discharge the mortgage obligation with Summit Funding. 4 months later I received a presentment from PHH Mortgage Services stating my mortgage was transferred to them and that they are the servicer of the mortgage now effective XX/XX/XXXX. I sent PHH Mortgage Services a valid and lawful Negotiable Instrument. The instrument is presented under the authority of House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ), Spencer v. Sterling Bank , 63 Cal Ap. 4th 1055 ( XXXX ), Guaranty Trust Co. Of NY v. Henwood et al, 307 U.S. 247 ( FN3 ), the Within Negotiable Instruments, Vol. III ( including 2006 Supplement ) on the Undersigned 's UCC Contract Trust Account. " The entire taxing and monetary systems are hereby placed under the U.C.C. '' ( Uniform Commercial Code ) - The Federal Tax Lien Act of XXXX They refused to accept the Negotiable Instrument and sent it back committing a crime. According to Georgia Code Title 11 Commercial Code Article 3 - Negotiable Instruments Part 6 - Discharge and Payment 11-3-603. Tender of Payment If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. On XX/XX/XXXX, PHH mortgage received a Non-Negotiable Conditional Acceptance via U.S.P.S. Certified Mail XXXX XXXX XXXX asking company to valid the debt. I received communication back from PHH mortgage stating and I quote The information you requested has not been provided to you because production would create an undue burden on PHH see attachment. PHH Mortgage received Non-Negotiable Notice of Rescission via U.S.P.S Certified Mail Tracking number on XX/XX/XXXX via U.S.P.S. Certified Mail Tracking Number XXXX. Next PHH Mortgage Services received Non-Negotiable Acceptance via U.S.P.S. Certified Mail Tracking Number XXXX on XX/XX/XXXX. PHH Mortgage Services received Non-Negotiable Notice of Fault and Opportunity to Cure on XX/XX/XXXX, via U.S.P.S. Certified Mail Tracking Number XXXX. Lastly PHH Mortgage Services received Non Negotiable Notice of Default and Estoppel via U.S.P.S Certified Mail Tracking Number XXXX. In additional there has been countless " Acceptance '' of statements being sent directly to me via U.S.P.S. 
For the past 30 days I have been receiving letters from XXXX XXXX XXXXXXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, GA XXXX threatening to Foreclose on my property. My private information has been given out to multiple entities such as Law firms. In addition, PHH Mortgage Services and XXXX XXXX  XXXX XXXX XXXX XXXX has called and sent written communications to addresses not associated with me. Some of the letters were addressed to XXXX XXXX who is not on the mortgage. Several friends and family members have been contacted in attempt to collect the debt bringing my private information into the public.

Company response to consumer: Closed with explanation