Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXXThis complaint presents one specific new development that has never appeared in any prior PHH complaint. On XXXX XXXX XXXX the FBI responded to XXXX XXXX XXXX XXXX criminal complaint with formal FOIPA Response XXXX XXXX signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FBI searched their XXXX XXXX System under XXXXXXXX XXXX XXXX and released one page an email dated XXXX XXXX XXXX from XXXX to the FBI Tampa Division reporting the void assignment XXXX and XXXX XXXX XXXX XXXX XXXX dissolving in XXXX XXXX the missing recorded assignments in XXXX County and Accredited Lenders having no record of any assignment.\XXXX reported this exact fraud to the FBI Tampa Division on XXXX XXXX XXXX four months before the void judgment was entered XXXX XXXX XXXX9 and XXXX months before his home was sold XXXX XXXX XXXX. XXXX XXXX XXXX XXXX PHH's predecessor was the active servicer on XXXX loan throughout XXXX. XXXX own XXXX XXXX XXXX XXXX XXXX admitted under oath in an affidavit filed in XXXX County Circuit Court Case XXXX XXXX that the void assignment listed XXXX XXXX XXXX as assignor due to the fact that the Mortgage listed said party as the original lender even though Accredited Lenders owned and held all assets. XXXX knew dead XXXX was being used on the void assignment. XXXX reported this to the FBI. The foreclosure proceeded anyway. XXXX home was sold XXXX XXXX XXXXPHH is XXXX successor. PHH produced the XXXX XXXX confession from XXXX own files. PHH confirmed in their XXXXXXXX XXXX XXXX letter that XXXX XXXX XXXX XXXX acted as the investor for the loan. PHH confirmed in three separate letters that XXXX XXXX routed complaints to PHH for response. PHH has responded to every complaint since XXXX XXXX stating the request is untimely because the property was sold more than XXXX years ago. There is no statute of limitations on challenging a void judgment under Florida XXXX XXXXXXXX). The FBI confirmation that XXXX XXXX report to federal law enforcement is still in their XXXX XXXX XXXX XXXX XXXX years proves this matter has never been closed.\XXXX XXXX XXXX XXXX filed a new criminal complaint with the FBI Tampa Field Office certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX delivered XXXX XXXX XXXX containing significantly more documented evidence than the XXXX email including the XXXX XXXX Affidavit the complete XXXX page XXXX confirming XXXX XXXX violations the bankruptcy discharge violation under XXXX XXXX XXXX XXXX XXXX XXXX criminal connection to XXXX XXXX federal conviction Case XXXX XXXX the fabricated loan number XXXX confirmed nowhere in original loan documentation and the XXXX XXXX XXXX XXXX confirmed trustee succession chain from actual XXXX XXXX Florida public records.XXXXThe FBI has not yet responded to XXXX new XXXX XXXX XXXXriminal complaint. The investigative review remains pending with the FBI Tampa Field Office investigative agents. XXXX has sent XXXX XXXX XXXX a complete updated case letter documenting the FBI XXXX response the released XXXX complaint email and the XXXX XXXX XXXX new criminal complaint letter. XXXX has begun the process of going public with all files and records and intends to share every document publicly.XXXX is attaching the FBI FOIPA response letter the released XXXX FBI complaint email the FBI complaint letter mailed XXXX XXXX XXXX and the XXXX XXXX XXXX letter documenting the complete case.XXXX XXXX XXXX XXXX XXXX Circuit Court. Bankruptcy Case No. XXXX Middle District of Florida. PHH account number XXXX

Company response to consumer: Closed with explanation