Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I apologize I have filed numerous complaints but the more I look the more I find.

Phh mortgage stole XXXX from our escrow account and XXXX insurance can verify it. They actually paid for 2 insurance policies to cover up some of their fraud. I now have two home insurance policies they charged me for. I will attach both policies for you. So they have taken almost XXXX out of our account for homeowners insurance. We want the XXXX they stole mailed certified XX/XX/XXXX and the flood insurance check they are regarding. I have reached out to the attorney general in New Jersey and in Texas. 
I will file with the police department and forward you the case number. 

This is the only license they possess that is not surrendered. 
I want them penalized for stealing more money from us. We discovered about XXXX today in fines. I will paste them beneath. It just makes me nauseated. 

Our accountant XXXX is essentially going through all the spreadsheets. 

This is the only license that has not been surrendered. I want it revoked immediately. Below you will see the list of fees and the 2 insurance policies that are currently on our home. That's almost XXXX stolen from us once again. It's heartwrenching. I can not take much more. I have to go to dr tomorrow for my XXXX XXXX and I have been having chest pains. I can not take much more of this! 

Owner/Entity Name : PHH MORTGAGE CORPORATION Location-Address : XXXX XXXX XXXX  Business Name : Zip : XXXX License Number : XXXX City : XXXX XXXX Status : Active State : NJ XXXX policies at XXXX XXXX of them and I am charged almost XXXX. 

policyholder Name XXXX XXXX Phone ( XXXX ) XXXX Policy Contact Email XXXX Policy Details Policy Number XXXX XXXX XXXX Effective XX/XX/XXXX to XX/XX/XXXX Status Active Premium {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Coverages Coverage A - Dwelling {$200000.00} Coverage B - Other Structures {$20000.00} Coverage C - Personal Property {$83000.00} Coverage D - Loss of Use {$20000.00} Coverage E - Personal Liability {$300000.00} Coverage F - Medical Payments To Others {$5000.00} Deductibles Wind/Hail {$4100.00} All Other Perils {$2000.00} Policy SearchEnter Payment DetailsReview and submit Policy Information ContinueCONTINUE CancelCANCEL Policy Holder Name : XXXX XXXX Policy Number : XXXX XXXX XXXX Term : XX/XX/XXXX - XX/XX/XXXX Total Premium + Fees : {$1800.00} Outstanding Balance : {$0.00} Minimum Due : {$0.00} Due Date : XX/XX/XXXX XXXXEmail Address : XXXX Payment Plan : Credit Card eCheck Please note : The payment method that has been preselected for you is based on your last payment. If you would like to change how you are paying for your policy, please contact your agent. Any changes to the payment method may result in a change to your premium.

eCheck Details *Payment Amount : *Account Number : Edit ACH Account I want them in jail, shut down, lien released and I am about to file for health problems. Below is a list of more embezzlement we found! Until the accountant is done I can only go through so much. There is a lot more to convey to you. 


XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late feet XXXX XX/XX/XXXX Late XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Long-form XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Longform XXXX XX/XX/XXXX Bad check reversal XXXX XX/XX/XXXX Longform XXXX XX/XX/XXXX XXXX nsf XXXX XXXX XX/XX/XXXX returned check fee XXXX XX/XX/XXXX returned check fee XXXX XX/XX/XXXX return check fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Bad check fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Principal curtailment XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Bad check reversal long XXXX I demand the insurance flood check they are keeping from us and the XXXX insurance check now. I want all these fees eliminated asap. I want the lien discarded and a written apology from them. If XXXX maintains his somewhat threatening demeanor, I will send this to the bar. He knows very well he is defending criminals. Get a moral compass! 

I encountered more spreadsheets with fraudulent account numbers on them and nothing and I mean nothing matches their forged statements. Let me attach them for you. I discovered payments I made in XXXX posted in XXXX. None of the escrow payments are in the accurate year. I have requested 5 times now a copy of the fake nsf checks they have charged us thousands for. I want a copy of them and they are past their 5 day grace period. I require copies of the checks they sent to insurance companies and tax offices. 

I will attach a copy of the XXXX and XXXX payments made from my escrow that I found in my saved emails. GUESSSSS what? Not one, not one, not one matches. Also, they are hiding XXXX and XXXX spreadsheets from me. I found 5 statements for XX/XX/XXXX and none of them match. Every one of them has a different amount paid. I have not even gotten the bank statements from XXXX in. I am also still waiting on the accountant. Can you imagine what will be unearthed when those come in? I also attached the XXXX escrow theft for you to see. You can clearly see they charged me twice for school taxes. I want that sent to me as well. Certified please. 

Here is a copy of the illegal XXXX fee they charged me and never reported on our statements. They were just sued in Minnesota for this. 


Please note : This e-mail message was sent from a notification-only address that can not accept incoming e-mail. Please do not reply to this message. 

RE : XXXX XXXX XXXX Dear XXXX XXXX This email is to confirm that a payment to Ocwen Loan Servicing, LLC was authorized to be applied to the account referenced above on XX/XX/XXXX. 

Details regarding the transaction appear below : Payment amount : {$730.00} plus {$10.00} convenience fee. 
Payment scheduled on : XX/XX/XXXX. 
Confirmation number : XXXX. 

I paid it on the XXXX and it shows up on the XXXX so they can impose more late fees. 

Now they are attempting to blackmail me to compensate them for XXXX second loan. It was released for the identical reason. We had no idea they were stealing from us until we obtained a letter in the mail. The feds closed XXXX down in XXXX and the lien was released in XXXX. Phh mortgage is attempting to make me pay them for it now. That's so unwarranted it's unbelievable. 

I am not halting till every dime they took is returned, lien released, an apology, and a significant check for all the anguish. 

When the bank statements arrive and XXXX is completed with accounting I will forward them to you. 

Have a good day XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation