Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I, XXXX XXXX, the sole mortgage holder of loan # XXXX for property XXXX XXXX XXXX, XXXX, Ca XXXX that was recently being serviced under PHH Mortgage service but now been paid off by an unauthorized 3rd party without the consent or use from me of my personal usage of my information. PHH mortgage has not addressed nor resolved my prior complaints filed against them under FTC. 
My complaint against PHH Mortgage is they have continually given out my person information regarding my loan info. to a 3rd party unauthorized party. I was told by thier own representative on the customer service line in XX/XX/XXXX that an attorney XXXX XXXX that is not any attorney of mines contacted PHH Mortgage in XX/XX/XXXX requesting my payoff amount on my loan and I was told by Phh Mortgage representative that they did indeed give my payoff info to this unauthorized person that has no court order or consent of mines to get my payoff information. 
My question is why did phh mortgage give out my personal info once again to an unauthorized party? They continue to violate my rights of privacy and my own chapter XXXX  bankruptcy of the debt that has been discharged back in XX/XX/XXXX under XXXX # XXXX and no one should be doing any service under my debt at this point without my consent. 
However, it came to my attention my debt was now paid off in full in XX/XX/XXXX by an unauthorized 3rd party without my consent or knowledge which was told to me by a phh representative in XX/XX/XXXX. So I spoke with an escalation manager in XXXX XXXX regarding this situation to return the {$200000.00} back to whom ever paid off my debt. I did not want my loan paid off due to tax purpose. Phh Mortgage stated they do not know who paid off the loan, it was wired to them but they would look into the matter and request all monies be returned. However it is a whole month later and no money has been returned. I keep getting the run around it has to go through different departments for approval and once this is done they will return the money to the sender. 
I have never gave consent for anyone to assume my loan and I did not refinance my loan or consent for anyone to use my personal info to refinance my debt that has already been discharged. If phh mortgage was not giving my personal info out to others in the first place this illegal transaction could not have been carried out. 
At this point, I do not feel phh mortgage has any intention to return money to unauthorized persons. I dont feel they wouldnt care if someone robbed a bank to pay off the debt, as long as they got their money. They certainly don't care about giving out my personal information and I am filing this complaint once again for FTC to look into their practice. 
What I want answer and resolved by phh mortgage which still has not been responded to is : 1. Have phh mortgage address why did they give out my payoff info to attorney XXXX XXXX without my authorization which they now trying to cover up happened and play XXXX? Although they rep told my by phone back in XX/XX/XXXX. 
and 2. When are they going to return the {$200000.00} back to the unauthorized 3rd party sender as they have stated to me? 
Once again, I did not give my consent for anyone to do anything with my loan. Not assume it nor refinance it. Imy debt had already been discharged and no one had a right to do anything under my loan without my consent or court order. 
3. I'm requesting ftc take necessary steps to penalize this mortgage company for violating my rights to privacy and my own bankruptcy discharge.

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