Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
And I've given this company several times to correct itself any case ignoring the issues. First of all using the old contract XXXX is null and void the contract was rewritten in XXXX. Meaning trying to use XXXX contract as their basis for allowing for transfer is illegal. The XXXX contract supersedes and overrides the XXXX contract. Which means you have no legal right to sell or transfer my mortgage without my permission. If you want to go that way we can easily go to your another {$35000.00} in missed payments making it a total of {$55000.00}. I have provided you with more than enough information on several different occasions to show where the missing amount for which came from your own XXXX XXXX invoices. 
Which I will put again at the bottom of this but you need to properly investigate. 
If I do not receive a response by XX/XX/XXXX I will be forwarding all this information included additional information have to the IRS notifying this company money in which they have embezzled from me and failed to report to them. I will be contacting the FBI and letting you know that you have misappropriated federal stimulus money and embezzlement of money. 
You will break down every last dollar from the beginning this account from every money taken out how much was paid to each account ( insurance, taxes and etc. ) and how much it actually was by XX/XX/XXXX XXXX hrs. OTHERWISE IRS AND FBI and Florida prosecutors office The mortgage originated in XXXX with XXXX XXXX by XXXX XXXX. In XX/XX/XXXX the mortgage became XXXX XXXX. From there they went through a multiple of mortgage companies ( 7 ) from XXXX, XXXX, and several others before becoming Ocwen. This caused multiple issues. 
In XX/XX/XXXX the mortgage was modified XXXX XXXX XXXX XXXX ( XXXX ) incentive during this time the mortgage company right to transfer/sell off to another mortgage was removed. The mortgage company can only transfer /sell off with court order or XXXX XXXX Approval which OCWEN approved. Then as PHH mortgage purchase/acquired OCWEN still responsible for following this agreement. 
A letter was sent to OCWEN by certified mail in XX/XX/XXXX. This letter stated that any extra payment, funds, refunds and etc. would be applied to the principal for the entirety of the mortgage agreement. 
At the end of XXXX over $ XXXX of extra payments were not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
In XX/XX/XXXX PHH mortgage purchase OCWEN mortgage and taking over all responsibilities, issues, and agreements. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for. 
In XX/XX/XXXX PHH mortgage violated the agreement set forth during XX/XX/XXXX XXXX in which the mortgage company would have to XXXX XXXX approval or Courts approval to transfer or sell off. So, unless XXXX XXXX  purchased PHH mortgage then PHH mortgage violated the agreement and transfer/ Sale are null and void. Plus, PHH mortgage then committed identity theft by releasing XXXX XXXX personal information and Social Security without my approval. XXXX XXXX is also committed identity theft by not receiving preapproval to receive XXXX XXXX personal information and Social Security. 
At this point PHH mortgage is missing $ XXXX in payments ( extra payments, escrow, interest ). This doesn't include the missing amount for lower payments should have occurred from XXXX to XXXX to XXXX to XXXX to XXXX to current which I am guessing is another couple {$1000.00}. 
As PHH mortgage purchase OCWEN they are responsible for everything all the way back to XXXX. 
I have complained 100 times about these issues by letter, e-mail, and phone with no response from either OCWEN/PHH mortgage XXXX incentives of {$5000.00} on the sixth anniversary XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Payment was NEVER APPLIED. 
Government Incentive for Customers in Good Standing of {$5000.00} was also never applied. 
I contacted PHH mortgage both by phone and e-mail with no response. I also sent a letter which I waited 30 days with no response matter fact I have read your received response in 90 days from when the letter was sent. They only respond when consumer financial protection Bureau is involved. 

At this point with the missing incentives and the missing payments we are now over {$30000.00}. At this point I am ready to contact Florida prosecutors office and have PHH mortgage license revoked and embezzlement charges brought forth. Along with government fraud stealing government incentive. 


Charged with embezzlement of funds. Charge with government fraud. Charged with identity theft. 

They need to notify XXXX XXXX  that they no longer have the mortgage and will be having a third-party scrub all my personal information and Social Security numbers . 
They go back to XX/XX/XXXX and correctly apply all the extra payment and overpayments to the principal correctly along with missing interest. 
They will also apply the XXXX incentive {$5000.00} and the government incentive customers in good standing ( stimulus ) {$5000.00} that is also missing They will show documentation all the way back that this has been done otherwise will be contacting the Florida prosecutor office in having charges brought forth XXXX XXXX  to be charged with identity theft. If they wish not to be to have a third-party remove all my personal information and Social Security their records. 

If they do not wish to be then all records, contracts, sales are to be returned to PHH mortgage and then have a third-party remove/ verify all my personal information and Social Security numbers from their records XXXX XXXX  is filled the respond any complaint via mail or e-mail other than stating in a form letter that they will get back to you in 30 days. This is the exact response that was given to the consumer financial protection Bureau. It has been over 90 days with no response. It is unacceptable and unlawful.

Company response to consumer: Closed with explanation