Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My name is XXXX XXXX. I have a mortgage loan with PHH Mortgage Loan # XXXX. I recently filed a consumer protection complaint against them under case # XXXX-XXXX and they responded XX/XX/XXXX. The issue with them is continuing to collect mortgage payments under my name by an unauthorized 3rd party who filed bankruptcy chapter XXXX on my debt lying to bankruptcy court listing debt as her own ( Ms. XXXX XXXX ) when the debt is solely mines. I am the purchaser of property at hand and already filed chapter XXXX bankruptcy with my debt being discharged. I requested my case be closed, my personal information stop being used by others, and all debt collection under my name and loan be ceased. However, debt is still being collect by bank from unauthorized 3rd party who has been late continuously under the bankruptcy plan. She lied to court she lives in property when it actual sits empty. I'm filing another complaint ahainst PHH in esponse to first complaint which they stated I may contact them and when I did, a representative refused to speak to me on my own debt because the case is under chapter XXXX with an attorney for this 3rd party unauthorized party. Ms. XXXX XXXX. This is unlawful I can not even speak on my own debt I acquired and the bank assigned a manager relation named XXXX XXXX which numbers provided in response are invalid. 

The resolution I'm requesting from PHH is to : 1. Clear me to speak on my own debt. I am not represented by an attorney and therefore, should be allowed to speak on my debt. 

The bank indicated in their response they obtained legal counsel to inquire how this property was obtained. 
I am responding to they inquiry. 
I purchased home in XXXX as a single woman. Worked all my life living in home for 14years. I had become terribly ill with ongoing health problems and in XX/XX/XXXX was hospitalized where Ms. XXXX XXXX, my cousin came with notary while I was on medication and had me sign my home so she can handle my affairs if I died. When I got out I asked her to sign home back.over while I lived in it continuing payments. However, she always wanted home but was never willing to work for one of her own and lied stating she spent {$20000.00} on upgrades not willing to produce one rreceipt for so called upgrades to rent house out for me. We had mediation with court mediator who told my cousin she can clearly see she is trying to take my home and any arbritrator could see that and she knows she's lying about spending {$20000.00} in this home she barely had signed over to her. My cousin then evicted me out the house with no place to go. I have never been homeless in my life until this dirt bag came along. 
Worked all my life until I became very sick and XXXX. I had money to pay her back for true amount she really spent on upgrades after I went to store XXXX XXXX  and obtained receipt she only spent {$3000.00} but she continued to tell her same {$20000.00} lie to make sure I could not get my home back. The true place ms. XXXX spent {$20000.00} on is all her attorneys fighting to take and keep my home. During this time, I have had negative reportings on my credit because she pays late having to dispute negative credit reportings. I still have home owners insurance being bought on my behalf by bank. I'm still currently receiving billing statements every month when I already filled bankruptcy and my debt discharged. I think this is the most illegal thing I ever heard how bankruptcy court allowed a unuthorized 3rd party person to make payment arrangements on a debt that is not even legally theirs. 
I am once again asking PHH to stop and cease all payments and actions under my name. If they don't, I'm going to be searching for an attorney to bring a lawsuit so great against the bank and bankruptcy court for violation of my rights to privacy of my personal information and violation of my own bankruptcy. This is plan ridiculous!

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