Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Subject : Request to Correct Title Cloud/ Improper Maintenance of Duplicate Deed of Trust After Refinance Transfer. Current Loan Servicer : Onity Mortgage ( formerly PHH Mortgage ) Closing Agent : XXXX XXXX XXXX ( Defunct/ unreachable ) Property Address : XXXX XXXX XXXX XXXX CA XXXX Loan Number : XXXX I am requesting federal regulatory intervention to force Onity Mortgage to issue partial lien release or a Deed of Correction to remove an administrative double - recording error that is Clouding my title causing severe financial harm. The servicer has explicitly admitted in writing that they hold XXXX identical security instruments for a single active debt, yet their customer service and research department unit refused to issue a correction because the underlying single loan is still active and unpaid. Detailed History and Chronology : 1. Origination and error ( XXXX ). In XXXX, I completed a mortgage refinance transaction with XXXX XXXX XXXX XXXX XXXX During the recording process, the closing settlement agent, XXXX XXXX XXXX XXXX mistakenly double-filed the Deed of Trust with the XXXX XXXX XXXX XXXX XXXX This resulted in XXXX identical liens being attached to my property under separate county instrument numbers for the exact- same singular transaction. 2. Servicer transfer ( XXXX ) : In XXXX, the servicing rights of the this loan was transferred to PHH Mortgage, which was rebranded as Onity Mortgage recently. Onity Mortgage currently holds the servicing rights to both recorded entries. 3. Discovery of Harm ( XX/XX/XXXX ) In XX/XX/XXXX, I applied for Home Equity Line of Credit ( HELOC ). The XXXX bank discovered the duplicate XXXX liens and denied my application because I could not obtain a clear title or a release of lien for the duplicate entry. 4.Efforts to mitigate : Since XX/XX/XXXX, I have attempted to contact all parties. The original closing agent, XXXX XXXX XXXX, is non operational and unreachable, I sent formal demand letters and emails to Onity Mortgage ( PHH ) explaining the situation. 5. Servicers Non- compliance : Onity Mortgage responded to my formal inquiries by explicitly confirming that both recorded Deed of trust are identical and secure only XXXX single underlying loan. However, their research department stated that no release of obligation will be issued because the loan is still active and unpaid. Onity Mortgage is fundamentally failing to distinguish between a request to satisfy an active debt and a request to clean up a duplicate public recording error. By maintening both active tracking numbers in the XXXX XXXX XXXX public records, Onity double the collateral they are contractually owed. This cloud on my title has directly resulted in denial ( the blocked HELOC ) and continues to freeze my propertys equity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation