Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Please Note : The following complaint is meant to be publicly viewed with links included to show any and all attachments I submit with this complaint to the CFPB, by posted online for all to see. This environment with its reactive, not proactive, way of reporting fraud by submitting letters to an institution ( CFPB ) that merely funnels the complaint to the institution the complaint is on but chooses to not actually get involved in the process only favors these big banks, mortgage companies, and all others who have been and are committing fraud on the American public. It needs to come to an end. I am not playing their game. I am submitting this complaint as I will do all complaints, from a public computer. It needs to come across word for word from what I wrote and not intercepted so that my words and submission can be distorted in an effort to discredit me and keep me from exposing the fraud that I am knowledgeable of and of which I plan to 100 % share with the public. 


Alright PHH Mortgage Services, I am now going to meticulously pick apart and show with explanation backed with factual evidence, the fraud you have been committing on the American public for well over 10+ years now from what I have been able to determine by the brief research I am able to do with the limited resources that I have. There is no way around what this is, 100 % blatant, in your face, no doubt about it, fraud, that you, along with many other fraudulent companies and institutions, have been committing on the American public and still are to this very day. 
This is a HOMEOWNERS INSURANCE KICKBACK FRAUD SCHEME that I caught you in and that I was put through starting in XXXX when I filed a small claim against my homeowners insurance for water damage sustained from a clogged pipe that seeped into and ruined a portion of the carpet of the master bedroom in my home. XXXX XXXX ( complaint being submitted on them next ) sent a claims adjuster out to interview me where I was not just interviewed for the claim I was making, but was accessed for the fraud scheme I was about to be funneled in by you, PHH Mortgage Services, where you staged a default to my home loan through no fault of my own and illegally foreclosed and sold my home at auction on XXXX XXXX XXXX. The kickback that XXXX XXXX received for accessing me and delivering me up to you came in the form of increased premiums over the next 2 years by 200 % than what my premiums had been normally charged prior to being funneled into this fraud scheme. When making a claim against your homeowners insurance, the homeowner can expect their premiums to go up but not by 200 %! I believe the industry standard is, at most, 32-38 %, certainly not anywhere near 200 %. The actual evidence is what I show on attachment one to this complain. These are statements for XXXX XXXX, XXXX, & XXXX where you can see my premiums being raised by this substantial amount. 

XXXX XXXX is liable and shows they are involved in the scheme by the actual invoices they sent to me that substantiate the increase premium amounts that are shown here on transaction history of the 3 statements received from PHH for XXXX of XXXX, XXXX & XXXX. I will submit the actual invoices sent by XXXX as attachments to the complaint I submit to the CFPB on them next. Here though, as previously stated, I attached a snapshot of the statements as proof and for the public to view at the following link : XXXX : XXXX! XXXX So heres what I need you, PHH Mortgage Services to answer : Since you went ahead and allowed this 200 % increase in premiums for my Homeowners Insurance as evident on the attached statements, do you consider this a valid increase after a homeowner makes a claim to their Homeowners Insurance? 

If you agree this isnt a normal or valid increase in premiums ( as you should agree if werent for the fact you are involved in committing the same fraud and involved in the same scheme as XXXX is XXXX, than why was XXXX XXXX continuously used as my Homeowners Insurance in subsequent years after initial increase in XXXX? 


Do you have anything to say about the HOMEOWNERS INSURANCE KICKBACK FRAUD SCHEME that you are involved in and have been involved in for the last 10+ years? How far back does this scheme go and can you list other homeowner insurance companies that are involved in it with you committing fraud on the American public, as well? 


Please note this submission is also being forwarded to the FBI, the Attorney General, HUD Homes, XXXX XXXX and any other agencies responsible for regulating those operating within the mortgage industry that I feel fit to include at my discretion. This also may very well be used against you at some point in a court of law so by all means, please answer accordingly. 










FYI the next complaint you will see shortly involves the 3 step method being used to stage the default of a homeowners home loan ( mine to be exact ) on which you need to answer for. The method being used is all pre dependent on a period of days no longer recognized by the system as assigned to any period or month at all once they are converted from days that once were read and attributed to a particular period or month. The way you mortgage servicers are doing this is by shortening the statement period from when a homeowner is on automatically withdrawal for their monthly mortgage payment where they receive each months statement on the XXXX of the month with payment due by the following XXXX to when a homeowner is on manual payment where the homeowner receives their statement each month a day after grace period or the XXXX of each month. Payment is still due by the following 1st, but the month this change takes effect, as long as the previous month has been paid by the home owner and satisfied, these first 16 days are no longer recognized by the system as they are no longer attributed or assigned to any month at all since the current months statement period gets shifted from the XXXX to the XXXX. So these 16 days are void, blacked out, in limbo and therefore there should be no activity at all during these days but of course, this is exactly where PHH Mortgage Services commits their fraud in. 

They receive payment during these days ( XX/XX/XXXX ) no longer recognized by their system as will show on my XX/XX/XXXX statement, then convert my account from automatic to manual pay to shorten the statement period, and then purposely post the payment on a day that is still recognized by their system ( XX/XX/XXXX ) so that this fabricates a payment deficiency. The system recognizes payment is there as evident from the YTD amounts on the statement to be balanced with correct amount, but just doesnt know how the payment got there since it no longer recognizes XX/XX/XXXX, or the day payment was received. Then they purposely run escrow analysis on XX/XX/XXXX to covert the fabricated payment deficiency to an escrow deficiency so that they can use to on an upcoming month to lead the homeowner as to the reason their loan is in default spiraling fast forward into foreclosure. The reality is, it was all staged and the actual staged default date in the back ( XX/XX/XXXX ) where the system no longer recognizes where the current months payment was received, is the real reason for default all along and since it can never be satisfied no matter what once the auto to manual pay conversion takes place, the homeowner is doomed to fail no matter what he does to try and get his account current to save his house. This is how these mortgage servicers stage a default to a homeowners loan. This is how these mortgage services illegally foreclose and steal a homeowners home! 

And I will gladly show this all with substantial evidence ( with links for the public to see what is attached and not just left for these fraudulent mortgage companies and servicers to view only ) included and detail step by step the process and method they use in the very next complaint submission to the CFPB. Stay tuned. Its going to be a good one!

To the American public : This will be and is a wake up call! 
You need to check your notices and statements. If you were switched from automatic to manual pay by your mortgage servicer and it shortened the statement period, make sure there is no activity in the days that are no longer recognized by the mortgage servicers system. If there was activity, there is a high chance fraud was committed or is being committed on you where a default to your home loan is being staged or was staged and your house will be soon be in foreclosure to be sold at auction if it hasnt already gone through this fraudulent process, in which I am sorry to bring this news to you after the fact. Its a sore subject and will always be an open wound. I went through the whole process from beginning to end and know exactly how it feels. 
BUT WE NEED TO STOP THESE FRAUDULENT MORTAGE COMPANIES AND/OR SERVICERS FROM COMMITTING THIS FRAUD ON THE AMERICAN PUBLIC AND TO US HOMEOWNERS ONCE AND FOR ALL. THE ONLY WAY TO DO THAT IS WAKE PEOPLE UP TO THE REALITY OF WHATS REALLY GOING ON AND TO WHATS BEING DONE TO US AT THE HANDS OF THESE FRAUDUENT SERVICERS.

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