Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Via Certified Mail Return Receipt Requested PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ________________________________________ NOTICE OF NO ATTORNEY REPRESENTATION SECOND NOTICE QWR NON-RESPONSE DEMAND FOR REFUND OF {$7000.00} To Whom It May Concern : We are in receipt of your correspondence stating that you will not respond to our Qualified Written Request ( QWR ) based on the claim that we are represented by legal counsel. This statement is false. We hereby formally notify you that we do not have, and have never had, legal representation in this matter. Your records must be immediately corrected. Your refusal to respond to our QWR is a direct violation of your obligations under the Real Estate Settlement Procedures Act ( 12 U.S.C. 2605 ). ________________________________________ ADDITIONAL CRITICAL ISSUE : WRONGFUL RETENTION OF FUNDS In addition to your failure to respond to our QWR, you are currently in possession of {$7000.00} belonging to us, which you have failed and/or refused to return. These funds were taken and/or retained despite the dismissal of our bankruptcy Our mortgage loan is current You have previously indicated a willingness to refund these funds You are now improperly withholding the refund based on shifting and unsupported requirements At this point, your actions constitute wrongful retention of borrower funds and raise serious concerns regarding servicing misconduct. ________________________________________ PATTERN OF NON-COMPLIANCE Your conduct now includes : Maintaining inaccurate records ( false attorney representation ) Refusing to respond to a valid QWR Withholding {$7000.00} without lawful justification Providing inconsistent and contradictory explanations regarding the return of funds This pattern may constitute violations of federal law and unfair or deceptive servicing practices. ________________________________________ DEMAND FOR IMMEDIATE ACTION We demand the following : XXXX. Immediate correction of your records to reflect no attorney representation XXXX. Full response to our QWR ( originally sent [ date ] ) within RESPA timelines XXXX. Immediate issuance of a refund in the amount of {$7000.00} XXXX. Written explanation for : o Why these funds were retained o The legal basis ( if any ) for refusing to return them o All internal notes or decisions related to this matter ________________________________________ NOTICE OF ESCALATION If these issues are not resolved immediately, we will proceed with formal complaints and escalation, including but not limited to : Filing a detailed complaint with the Consumer Financial Protection Bureau Filing complaints with the Federal Trade Commission and State Attorney General Pursuing all available remedies for damages resulting from your failure to comply with federal servicing laws This is your opportunity to correct these issues without further escalation. We expect full resolution without delay. Sincerely, XXXX XXXX Enclosures : Original QWR Qualified Written Request / Notice of Error / Request for Information Under RESPA ( 12 U.S.C. 2605 ) Date : XX/XX/year> To : PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ________________________________________ Dear Sir or Madam, This letter constitutes a Qualified Written Request ( QWR ), Notice of Error, and Request for Information pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 and Regulation X ( 12 C.F.R. 1024 ). I am writing regarding serious concerns about the servicing of my mortgage loan, specifically the assessment of fees and charges that appear excessive, unexplained, and potentially improper. ________________________________________ Summary of Issue After missing an undefined mortgage payment ( s ), my account was assessed fees and charges totaling in excess of {$9000.00}. These charges were not clearly disclosed, do not appear proportionate, and include items described as pre-petition fees and other unexplained costs. Additionally, certain fees appear to have been added after my loan was reinstated, raising further concerns regarding the accuracy and legitimacy of the account balance. ________________________________________ Notice of Error I believe the following errors have occurred : XXXX. Assessment of unreasonable or excessive fees not justified by actual services performed XXXX. Failure to provide transparent and timely disclosure of fees XXXX. Improper application and/or timing of pre-petition charges XXXX. Potential misapplication of payments and/or improper default status designation XXXX. Assessment of fees after reinstatement of the loan ________________________________________ Request for Information Please provide the following documents and information : XXXX. A complete life-of-loan payment history, including all payments received, how they were applied, and any suspense account activity XXXX. A detailed, itemized breakdown of all fees and charges assessed to my account, including : o Late fees o Property inspection fees o Broker price opinion ( XXXX ) fees o Corporate advances o Foreclosure-related fees o Bankruptcy-related fees o Any pre-petition fees XXXX. Invoices, billing statements, and supporting documentation for all third-party fees, including : o Attorney fees o Foreclosure costs o Property inspections XXXX. The date and reason each fee was assessed XXXX. Identification of any law firm, vendor, or third party involved, including contact information XXXX. Documentation showing when the loan was referred to foreclosure, if applicable XXXX. Documentation supporting any bankruptcy-related charges, including proof of claim preparation fees XXXX. An explanation of any fees assessed after loan reinstatement, including legal justification XXXX. Copies of any notices of default, acceleration, or foreclosure issued on this loan XXXX. A copy of your policies and procedures for assessing default-related fees ________________________________________ Request for Correction If your investigation determines that any fees were improperly assessed, I request immediate correction of my account and removal of those charges. ________________________________________ Response Requirements Under RESPA, you are required to : Acknowledge receipt of this request within XXXX business days Provide a substantive response within 30 business days ________________________________________ Please note that I am maintaining detailed records of this matter and am prepared to escalate this issue to the Consumer Financial Protection Bureau and other regulatory authorities if necessary. ________________________________________ Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation