Consumer complaint received 2021-06-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Once again I have to come file a complaint on my mortgage servicer who can't get it through their heads to stop remoting into my laptop and phones, denying me my rights by blocking website I need to go through to make contact with others needed to report the fraud they committed on me, when they, along with XXXX  XXXX XXXX and XXXX XXXX, colluded and participated in a Homeowner 's Insurance Kickback fraud scheme and staged my default, illegally foreclosed on my home where it was auctioned off and sold on XXXX XXXX 2019. 

They are showing they do not fear the CFPB or place any bearing on this reactive complaint process that I reaching out to the CFPB through for help on my proactive situation but whom it turns out is not even there. They are making a mockery of the whole system and showing they will do whatever they feel like in an effort to no have their fraud exposed. The writing is on the wall that this system favors these mortgage companies and big banks since it allows them the freedom to do what they want and run a muck so long as they don't do it to often where the cfpb will take notice and have to get involved. But if you notice, we have a industry proven to run rampant with fraud and yet never once, has cfpb ever considered what would happen when the homeowner catches their mortgage company or mortgage servicer in the act of actually committing fraud and not after its already been done. The homeowner that does is in for quite a shock when they realize there is not a process in place, not an institution that will help out as they have to helplessly watch as fraud is committed in them and their home illegally foreclosed on and sold at auction as mine was on XXXX 2019. The most they can do is write these letters that only work for mistakes that the mortgage servicer has made, not for blatant in your face, no question about it, fraud that they committed on me and even show on my statements so clear that no one believes as I describe it unless i actually provide the statements as well to show. I can not do that if everytime i have to watch as these people or person that is a part of PHH or who they hired hacks into or remotes into my electronics and intercepts my communication or purposely blocks websites and phone numbers i need to use so that i have to figure out a way around. 

They do a process called app stacking where they even come behind the scenes when my phone is off, turn it on from their side only, and send through a different version of statemts that they will use at a later date either when they speak with my lawyer or at court that will used to discredit what it is i say and leave me looking as if im lying. They remote in, change the time on my phone or laptop to a day/time in the past and the sender on their side chnges their day time to the same in the past as well and then they send throgh the statments, capture it on my end to show proof later it was received and maybe even acknoledged on my end by emailing something back when these statements are received, and then delete all evidence and get out without the homeowner ever knowing. They mess up when they forget to change the clock like it shows in attachment one i provided.

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