Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/XXXX PHH Mortgage which disguises themselves as a mortgage company but really, they are a debt collector. In XX/XX/XXXX I filed for XXXX XXXX bankruptcy and the bankruptcy was discharged XX/XX/XXXX, by Bankruptcy, Chief Judge XXXX XXXX. PHH Mortgage/debt collector obtained the discharged debt. Two previous debt collectors brought this debt ( 1 ) was the original debt collector and a second debt collector before PHH/debt collector. I sent them a copy of the discharge order and a letter explaining to the previous debt collectors stating that the debt was discharged in bankruptcy on XX/XX/XXXX. I attached a copy of the Judge 's debtor 's discharged order. And I never heard from them again. PHH Mortgage/debt collector has refused to stop sending mail to me stating that I owe them the discharged amount on the bankruptcy, and they have added money to the account from the pass 6 1/2 years totaling over 90K. I sent a letter to them stating that they are violating and ignoring my Debtor 's Discharge Order given by the U.S. Bankruptcy XXXX ordered by Chief Judge XXXX and my consumers rights. I can't handle the pressure any more I had given my neice the authority to talk to them. They refused to adhere to what I am telling them in my letter. They are still making contact with me to collect a debt that has been XXXX in bankruptcy that I do not owe and sending monthly statements, and they are even sent a woman from their company to physically come to my home on XX/XX/XXXX I had my niece call them on Monday, XX/XX/XXXX about the woman who came to my house leaving a piece of paper to have me call them. And so, my niece did contact customer service they refused to connect her to the bankruptcy dept. The customer service rep. had her on hold for over 20 minutes. When he came back to the phone, he told her they have no way to connect her to their Bankruptcy dept. But, the customer service rep. also stated that the house was taken out of their bankruptcy dept. and put back in to active files to collect or foreclose on the property. He told her to send an email to customer service to inform the bankruptcy dept that she needs to speak to someone and they would contact her in 48 hours well that never happened. My aunt is XXXX XXXX XXXX her health can not handle the aggressive pressure from the debt collector 's illegal practices at PHH Mortgage/debt collector. She has serious issues breathing if she can talk for a minute or two she immediately loses her breath and she has to get on her ventilator and at that point she can't talk anymore for awhile. She is on oxygen and other medications. She is a nervous wreck when she receives phone calls or mail from PHH XXXX XXXX. She has been hospitalized several times because of the abusive aggressive manner about a debt she does not owe to anyone. The statute of limitation is five years in the state of Florida it has been 6 1/2 years to date. Legally they can not sue her for the discharged debt in bankruptcy and because of the statute of limitation of 5 years in Florida has passed. But, most of all the debt was discharged and now they have continued violating the bankruptcy discharge order from XXXX XXXX XXXX XXXX. 

I am asking that you make them stop all communication with my aunt ( XXXX XXXX ) her health is not good at all and my family and I are afraid what could happen to her if the aggressiveness of the debt collector does not stop. Because, PHH Mtg/debt collector is breaking the law and her consumer rights as well.

Company response to consumer: Closed with explanation