Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Ocwen abused of power/Fraudulent created illegally documents To whom it may concern : This is to inform you that the mortgage was originated with XXXX XXXX XXXX, XXXX, on XX/XX/XXXX. On XX/XX/XXXX I received an accelerate letter transferred from XXXX XXXX  to XXXX. On XX/XX/XXXX I received an important Legal notice from XXXX stated that as you know, the servicing of your home was recently transferred to XXXX XXXX XXXX  the name of the creditor to whom the debt is owed : XXXX XXXX, including a fair Debt collections Act and State Law Notice stated that the servicing of your home loan was transferred to XXXX  XXXX XXXX, XXXX. Effective XX/XX/XXXX the name of the creditor to whom the debt is owed : XXXX ( XXXX XXXX. On XX/XX/XXXX received a letter from XXXX XXXX XXXX   XXXX, XXXX. Said that lender loan # XXXX and investor loan # XXXX requesting payment foreclosures in the amount of {$200.00}, XXXX but there was no transfer letter received from XXXX to XXXX  XXXX XXXX, or XXXX  XXXX. on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR MORTGAGE PASS-THROUGH CETIFICATES, XXXX XXXX XXXX case # XXXX filed a lawsuit under a lost note stated that plaintiff is the owner of said note, but the original promissory note was lost or destroyed subsequent to plaintiffs acquisition thereof, the exact time and manner of said loss or destruction being unknown to plaintiff. Plaintiff was an in possession of the promissory note and was entitled it when loss of possession occurred. The loss of possession was not the result of a transfer by plaintiff or a seizure. The plaintiff can not reasonably obtain possession of the note because its whereabouts can not be determined. Said note is not in the custody or can not or control of plaintiff. The note submitted show that another party owns the note. On XX/XX/XXXX received notice of voluntary dismissal and release of Lis Pendent. On XX/XX/XXXX another Lawsuit was filed again by XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR THE HOLDERS OF THE XXXX XXXX XXXX XXXX, XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX case # XXXX. On XX/XX/XXXX I received a notice of servicing transfer ( RESPA ) Welcome to ocwen Loan Servicing, LLC. Dear customer ( s ) : Ocwen Loan Servicing, LCC (  ocwen ) welcomes you as a new customer. Effective XX/XX/XXXX, the servicing of your mortgage loan, is, the right to collect payments from you, is transferring from XXXX  XXXX XXXX to ocwen. Except in limited circumstances, the law requires that your present servicer send you notice fifteen ( 15 ) days prior to service transfer. In XXXX Ocwen Loan Servicing, LLC ( Ocwen ) stated that Ocwen is the owner or loan servicer of numerous loans throughout Florida. This letter shall serve as evidence and acknowledgment that ocwen has authorized the withdrawal of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  as its counsel for every case on the attached exhibit ; has retained XXXX XXXX XXXX XXXX XXXX, to appear and substitute as counsel for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  and assume responsibility for those cases as the filing of XXXX XXXX   XXXX, XXXX Notice of Appearance. On XX/XX/XXXX I received a Delinquency Notice from Ocwen loan servicing said that you are late on your mortgage payments as of XX/XX/XXXX ; you are 1912 days delinquency on your mortgage loan. Your account first became delinquent on XX/XX/XXXX. Failure to bring your loan current may result in fees and foreclosure- the loss to your home. Ocwen also stated that according to the records made available by the prior servicer the last payment remitted was on XX/XX/XXXX in the amount of {$930.00} and was applied toward the XX/XX/XXXX contractual payment. We received an escrow payment in the amount of {$5900.00} on XX/XX/XXXX. While I made payments to XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX, and XXXX  XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, including taxes, and home insurance. On XX/XX/XXXX I received a Monthly interest payment amount paid to interest and amount paid to principal {$200.00}, XXXX including current balance as of XX/XX/XXXX. XX/XX/XXXX {$930.00} XXXX, XX/XX/XXXX {$930.00}, XX/XX/XXXX. XXXX, XX/XX/XXXX {$930.00}. XXXX, XX/XX/XXXX, {$930.00} from XXXX XXXX XXXX  on XX/XX/XXXX Ocwen loan servicing foreclosed my property incorrectly on behalf of XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR THE HOLDERS OF THE XXXX XXXX XXXX XXXX. XXXX ; MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX, whose address is c/0 Ocwen Loan Servicing LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is due : principal {$200.00}, XXXX. Interest on the note mortgage from XX/XX/XXXX through XX/XX/XXXX {$44000.00}, Escrow Advances {$45000.00} Property Inspection Fee {$400.00}, TOTAL {$290000.00}. On XX/XX/XXXX my attorney XXXX XXXX received a letter from Ocwen loan servicing admitted that Ocwen incorrectly foreclosed the property. We sincerely apologize for any inconvenience this may have caused. On XX/XX/XXXX I received a loan modification from ocwen loan servicing with an Investor Loan # XXXX including an Investor / owner Name : XXXX XXXX XXXX XXXX XXXX XXXX, As Trustee for mortgage pass-through certificates, XXXX XXXX XXXX, in the amount of {$220000.00}, with a balloon payment in the amount of {$150.00}, XXXX. Please be advised that Ocwen loan servicing fraudulent created multiple escrow accounts including payments history to hurt home owners stated that the lender placed hazard and insurance and taxes on the properly. On XX/XX/XXXX received a letter from Ocwen stated that the mortgage was originated with XXXX XXXX XXXX XXXX XXXX ; on XX/XX/XXXX, we acquired the servicing rights from XXXX  XXXX XXXX effective XX/XX/XXXX ; please find a copy of the Notice of servicing transfer notice from XXXX  XXXX XXXX dated XX/XX/XXXX and the servicing transfer notice from ocwen dated XX/XX/XXXX. On XX/XX/XXXX I received a letter from PHH mortgage stated that this is an important notice containing information critical to this mortgage account .Ocwen Loan servicing has joined forces with PHH mortgage services XXXX a mortgage company with well-established mortgage origination and servicing capabilities. As a result, we will be consolidating all mortgage accounts into one company, PHH mortgage services { PHH } Effective XX/XX/XXXX ; PHH became the new servicer for this account and will be collecting the mortgage payments forward. On XX/XX/XXXX, received a response letter from PPH mortgage stated that effective XX/XX/XXXX, ocwen loan servicing, LLC ( Ocwen ) acquired servicing of this account in XX/XX/XXXX, ocwen Financial corporation purchased PHH Mortgage services ( PHH } ; PHH is now a wholly owned subsidiary of ocwen Financial corporation. 

Ocwen loan servicing has bad habits by fraudulent created escrow accounts and payments history to home owners to foreclose on their properties. Please be advised on and XX/XX/XXXX, and XX/XX/XXXX Ocwen fraudulent illegally created multiple annual Escrow Disclosure Statements Accounts History Stated that they received an escrow payment in the amount of XXXX and the new loan setup Balances is {$42000.00} and Lender placed Hazard insurance projected ending balance is {$52.00}, XXXX {$3000.00}, and projected Ending Balance is {$46.00}, XXXX. In the annual 2019 Year End Escrow Account information Ocwen said that ocwen issued an DISBURSEMENTS IN THE AMOUNT OF {$1.00}, 007, 73 just to create a shortage on the escrow account in the amount of {$1800.00} so ocwen can increased the mortgage. Yes my taxes went up {$260.00} extra, and my home mortgage insurance was increased of {$120.00}. 00 also On XX/XX/XXXX I received a certified mail from Ocwen attorneys XXXX XXXX XXXX with an invalid four digit loan number XXXX stated that you appear to be concerned about the foreclosure that was initiated against your property. However, that foreclosure has been dismissed in light of the loan modification XXXX XXXX entered into Ocwen. I am attaching the other of dismissal. Which is public record? Please be advised that loan number does not exist. Furthermore Mrs. XXXX XXXX XXXX failed to submit proof regarding numerous escrow accounts, and payments history fraudulent created by Ocwen especially the {$5.00}, 906. 12 Ocwen claimed that they received in XX/XX/XXXX. I, m requesting that Ocwen Loan Servicing to submit proof of all escrow accounts disclosure statements and all payments history, including proof of lender placed hazard insurance and taxes, also who own my mortgage, and note including the investor loan # XXXX owner Name XXXX XXXX XXXX XXXX XXXX XXXX, As Trustee for Mortgage pass-Through Certificates, XXXX XXXX XXXX XXXX Ocwen claimed that Ocwen transferred the mortgage to PHH Mortgage, and I called PHH Mortgage and asked them who own my mortgage the agent from the PHH mortgage said to me that XXXX XXXX is the one who own my mortgage. This is to inform you that I received an Substitute Form 1098 submitted to XXXX from Ocwen for the of Year XXXX from said that the mortgage interest received from payer ( s ) borrower { s ) {$8300.00} outstanding principal as of XX/XX/XXXX {$200.00}, XXXX mortgage origination date XX/XX/XXXX, including a Substitute form 1099-c stated that as XX/XX/XXXX amount of debt discharged {$91000.00}. I received a Substitute form XXXX submitted to XXXX from Ocwen for the XXXX XXXX said that the mortgage interest received from payer XXXX XXXX ) borrower XXXX XXXX ) {$8300.00} and outstanding mortgage principal as of XX/XX/XXXX XXXX mortgage origination date XX/XX/XXXX. Also received an substitute form 1298 Submitted to XXXX from Ocwen stated that Mortgage interest received from payer ( s ) borrower ( s ) {$3400.00} OUTSTANDING MORTGAGE PRINCIPAL {$220000.00} including another 1098 submitted to XXXX from PHH mortgage said that mortgage interest received from payer ( s ) borrower ( s ) {$4700.00} the outstanding mortgage principal {$210000.00}. On XXXX, XXXX received a statement from PHH mortgage said that your loan balance is {$210000.00}, principal Balance second mortgage {$30000.00}, your Loan started XX/XX/XXXX, your Loan ends XX/XX/XXXX. Remaining payments XXXX prepaid principal {$0.00}, prior year principal paid - {$29000.00}, and prior year interest prepaid {$4700.00}, combined Balance first and second mortgage is {$240000.00}. Mortgage fraud is a criminal offence. I will forward a copy to the Attorney General in Florida, including the attorney General in New Jersey as well requesting an investigation regarding Ocwen bad behavior by fraudulent created multiple escrow accounts, payments history including lender placed hazard and insurance, taxes. Because Im totally frustrated, mentally, physically with Ocwen, enough is enough. Ocwen do not respect the Law. 
I will appreciate very much if someone could look in this matter for me if you need any more documents please feel free to contact me via my email XXXX or on my cell ( XXXX XXXX XXXX Thank you for your cooperation.

Company response to consumer: Closed with explanation