Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I set out to catch and show PHH Mortgage Services in the fraud they committed to me when they staged a default to my home loan starting in XX/XX/XXXX and then illegally foreclosed on me and sold my home at auction later that following year in XX/XX/XXXX, simply by requesting the statements they have on file for me and my mortgage there at PHH from XX/XX/XXXX - current so that I can show not only have they committed fraud by trying to cover up the fraud they committed on me from XX/XX/XXXX - current ( covering up fraud is an act of fraud in itself ), but would have actually done so by having PHH submitting this fraud cover up straight through to the CFPB as I submitted this request through the complaint process and would have them no choice but respond and send back any statements sent back, sent through the CFPB portal as well.

What I got back in response to my request ( attachment 1 ) is all together appalling, disgusting, and downright discriminatory towards me that they would try and make only me have to settle for these statements when no one else at all would put up with these statements they are trying to pass off as legitimate. Not only do these statements break numerous RESPA violations, as well as show on record PHH breaking Federal Law more than once and in more than one way ( dual tracking is breaking Federal Law, charging me the amount of escrow in the {$19000.00} overdraft PHH did to my checking account in XX/XX/XXXX is braking Federal Law ), but their own response also proves what I have been saying and submitting complaints to the CFPB all along, that PHH Mortgage Services messed up so bad when putting me into their fraud scheme that shows a revenue stream that they, as well as multiple entities, are participating in when they stage defaults and illegally foreclose and sell homeowners homes at auction, that the only way they could cover it up is by setting these hackers on me ( something I have sent numerous complaints to the CFPB on ) in effort to hinder my communication so that I am unable to get word out and expose their fraud. PHH Mortgage Services has violated my civil rights by preventing me from seeking and obtaining legal litigation against them for the fraud they did to me by having these hackers continuously remote in and intercept any communication through emails or other communicative methods I send out so that I can never get my day in court or justice for what they have done to me. If that werent enough. These hackers have actually came into my main XXXX  email account I receive estatements on, set the time back to a certain date/time in the past, and then sent through statements they wanted to pull off as being the originals that were initially sent. The problem is, I already anticipated them doing this and planned well in advance by saving original statements and emails that I received from when I received the original statements, snapshots of how it initially looked to use as proof if anything at some point was changed, and numerous source docs, notices, etc. all to show as proof as to what originally happened to my mortgage account in case they try to cover up their fraud at any point, which they did, and try and pull off a set of statements that contradicts anything but the truth. 

The kicker is, I didnt even need to do all that. Looking over these statements, this has got to be the sloppiest, most unbelievable, full of errors, way of covering up fraud ever and yet, they not only didnt cover it up to begin with ( Look at XX/XX/XXXX statement to see still is record of {$19000.00} overdraft PHH colluded with my bank, XXXX  XXXX XXXX, to overdraft my account by $ XXXX that was then used as basis to strip my equity ), they missed some what they should have tried to cover up altogether ( misapplied trial period payments on XXXX, XXXX, XX/XX/XXXX statements ). PHH has added statements that were not there to begin with or were not sent to me initially since these months were missing with reason ( XXXX XXXX for instance when I was supposed to be off the books and out the door with auctioning of my house taking place a month prior but luckily pulled off the unthinkable where PHH was made to pull back and rescind the sale putting my mortgage back where rightfully belongs, in my hands ) as well has some months without details on statements ( RESPA violation ), followed by others that do, and then back to non detailed ones. These fraudulent statements that they have added after the fact, are so easy to pick out from the originals, its an absolute insult they would try and pass off these as original and even make me accept what no one in their right mind would. You dont even need to look at the actual statements! Just go to emails they sent the statements in to find the ones that no longer say were sent by PHH and look for when switched to say are now coming from XXXX XXXX, a company they supposedly tried to say I was transferred to during their big transfer of mortgage accounts that took place in XXXX XXXX ( snapshot of each included to see the difference ). Truth be told, I was never part of any transfer and PHH literally broke all RESPA transfer rules when they basically tossed me off to XXXX in late XXXX, well passed their date of big transfer of mortgage accounts. 

No matter what though, whether you believe their set of statements or what I have that are the actual originals to what happened to my account during this time that not only shows the fraud done to me but exposes their whole scheme as well as the method they are using to fool homeowners into accepting the default to their home loan as their own fault when it was all staged to begin with, there is something their statements dont have and can not hide from or even explain. The actual notices of sales I had to go through that shows the dates my house was put up to be sold at auction in XX/XX/XXXX, XXXX XXXX, and XXXX XXXX. All of these are attached and before I move forward, I want these officially documented and sent through the CFPB as proof that PHH is fraudulent and anything they put forth and send through to the CFPB on my account in the form of statements, notices, or any other source documents is fraudulent as well. Their statements dont show the truth because if they did they would account for the 3 auctions listed on the 3 attached notices of sales for my house that are attached. Simple as that.

Company response to consumer: Closed with explanation