Consumer complaint received 2021-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Once again I'm dealing with these wan na be hackers in my phone literally deleting pics I have, stoping me from reporting the fraud I caught phhh mortgage services in and XXXX XXXX XXXX XXXX which is phh and the cfpb sitsback and does nothing. The worse part js these group of people are staged at my house sent by none other than phh mortgage services to literally participate andbleed you out. This shady person named XXXX from phh has actually been in my XXXX  residence! At no point should the answer have ever been to send anyone out to myhouse but that is what I'm dealing with day by day. And XXXX this person has literally used the only other person here to try and hold me down taking my phone, taking my keysand keeping so I don't go anywhere at all like I'm in prison and they have the right to do! This person, XXXX XXXX is in stage XXXX XXXX failure and on XXXX  and they literally used her. They don't have herbest interest in mind and now she's on her own because I can't trust her after she has sold me put over and over again. Is sad. Literally just sad. I've known this person for over 10+ yrs and now she's non existent. Unfortunately it's not the 1st time. XXXX XXXX was the 1st they reached out to and sold me out. All for a little money and a car. You check the Vin number or license plate number on car in pic in driveway and you'll see belongs to her. Her with bad credit, never had a loan before, or anything. Just like that. I bought her the previous car she had, a XXXX jeep and they literally got her to keep my keys from me so I couldn't do ride share to make the payment. These shady people with the backing of phh mortgage services even made sure to get the repo team to break laws and keep for a time from me getting items from car. XXXX gets repoed. My credit further ruined and the jump in and save the day buy her a car. Then this freaking person WHO SHOULD IN NO WAY BE NEAR OR IN MY HOUSE FROM PHH, starts literally staying with and sleeping with her at my house! On more than one occasion and keeps coming back. Like this is some game! They literally used her and now what? Is he going to take care of her??? WHAT IS THIS! I SIGNED UP FOR A MORTGAGE, PAID IT DILLIGENTLY EVERY SINGLE MONTH ON TIME NOT ONE SINGLE PAYMENT MISSED NOT ONE SINGLE PAYMENT LATE AND THIS IS WHAT I GET! Myown mortgage servicer staging groups of people at my house! Literally following people out in effort to intimadate and ruined this woman 's life. I took care of her. When where she stayed with her dad was unstable I took her in and this XXXX XXXX who is probably married played a game and she's on her own. I can't afford to be around anyone at all especially people that can cause damage since they close to me and basically cuz that's my choice. I will never see her again. I will never want to hear from her again. This is the destruction these mortgage services cause! AND FOR THE LAST TIIME LET 'S BE CKEAR SINCE THE CFPB IS BEING MADE OUT TOBE A JOKE BY PHH MORTGAGE SERVICES. IN NO WAY SHAOE OR FORM DO I WANT ANYONE AT ALL SENT FROM PHH MORTGAGE SERVICES NEAR, CLOSE, IN YES XXXX  IN MY HOUSE NOW OR EVER!!!!! WHY DO I HAVE TO KEEP COMING BACK ON HERE ABOUT THESE SAME PEOPLE AND NOTHING IS DONE! Harassment, destroying people 's lives!!!! I didn't sign up for this! I signed up for a mortgage XXXX! I paid it DILLIGENTLY for 10 years and phh mortgage services just up and decides they want me off the books so the staged a default to my home loan and illegally foreclose and sell my home right before my eyes onXX/XX/2019. Then they send these wannabe hackers literally out to my residence to causeeven more damage by pitting the people closest to me against me to help bleed me out! All because they messed up when processing me for mortgage assistanc 1 and it blew up in there face and I'm the one paying for it! This is my life!!!!! NOT A GAME!!!!!! THERRS EVIDENCE EVERYWHERE IT CABT EVEN BEE HIDDEN. PHH PAID OFF THE LAWYER I HIRED TO FILE A LAWSUIT AGAINST THEM SO THAT THEY CAN SWOOP IN AND PAY OFF THE ENTIRE LOAN IN AN ATTEMPT TO HIDE THEIR FRAUD. What's even worse I have to now report XXXXXX/XX/XXXXXXXX for selling me up the river where XXXX possibly get barred. Because he's a CPA and either he sold me out or is going to actually try and use the argument that he didn't notice which is impossible. I'm not like any other case. If XXXX XXXX set the presidence for beating phh at trial, I'm not a case or subset like that case. They are a subset or case like me. Because whereashe had to prove with records, receipts, call logs that he made his trial payments they missapplied but coulnt see where they went, on my statements you see it all. Every miss applied payment and where it's missapplied to, every XXXX overdraft phh does in between mortgage assistance 1 and 2 where they collude with XX/XX/XXXXXXXX which was my bank I had a checking account with to strip me of my equity once the overdraft comes back where after they close then open the next period, every little abd big destruction done to my account and now to me. A mortgage servicer I didn't get to pick causing me to have XXXX  for 1st time in life. They know I have XXXX, I even signed an avidavit at one point telling phh of it because they were fishing for any lil reason to justify what even their foreclosure dept saw I was caught in. A tried and true complete homeowners insurance XXXX scheme with a method at the XXXX that has been used in all their fraudulent schemes that they stage and take a homeowners home. And not just phh or any of the fraudulent servicers under the Ocwen umbrella. All if them. I found clear cut evidence of exact same scheme used by a different servicer in a diff state 11 years ago. Like XXXX XXXX, she received the other set of statements than I did. Rember dual statements means dual iterations to what happened, dual time lines and yes, dual statements to! How they do it I'll show on next complaint. I now need to find where I'll be staying. I have XXXX. There's no denying that. People are always my Achilles heel and those close have caused the mist damage. And I never even saw it coming. Which is why I have to stay away. Next time I may not even make it out. This is the destruction and fraudulent acts I'm dealing with all because they committed fraud on me. I paid my mortgage DILLIGENTLY for 10 years on time and phh ruined my whole life. Every single part, every single person in it.

Company response to consumer: Closed with explanation