Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Conventional home 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: AZ

Complaint narrative:
Subject : PHH Mortgages Illegal Foreclosure on XX/XX/XXXX, XXXX, Based on a Void Quiet Title Judgment in Violation of UEFJA PHH Mortgage Used an Undomesticated XXXX  Judgment to Justify an Illegal Foreclosure on XX/XX/XXXX XXXX  PHH Mortgage illegally foreclosed on my home on XX/XX/XXXX2025, despite knowing that the Quiet Title Judgment they relied on was void under XXXX  law. 

The fraudulent Quiet Title Action was filed in XXXX XXXX, Georgia, even though my property is in XXXX XXXX. The judge in that case should have dismissed it immediately because : It was based on a XX/XX/XXXX Arizona Order that was never domesticated in XXXX. 
XXXX  Uniform Enforcement of Foreign Judgments Act ( UEFJA ) ( O.C.G.A. 9-12-130 et seq. ) prohibits the enforcement of foreign judgments unless they are properly filed and served. 
I was never notified, never served, and never given an opportunity to object before the Quiet Title case was filed. 
I formally objected to jurisdiction in both my Motion to Dismiss and my Appeal. 
Despite these clear violations, the XXXX XXXX XXXX wrongfully accepted the case and ruled against me, invalidating my Loan Modification and Quit Claim Deed. 

Instead of recognizing the fraud, the judge reinstated an old, defaulted predatory mortgage with {$160000.00} in arrears, with my ex-spouses name back on iteven though he was held harmless from the debt under the same XXXX  Order they were using. 

This judgment should never have existed, yet PHH Mortgage knowingly used it to foreclose on my home. 

PHH Mortgage Knew the XXXX  Order Was Not Domesticated But Used It Anyway PHH Mortgage was a co-defendant in the Quiet Title Action and : Knew that the XX/XX/XXXX XXXX  Order was never domesticated in XXXX. 
Did not object when my ex-husband and his attorneys filed the case in the wrong county ( XXXX instead of XXXX ). 
Allowed the court to reinstate a predatory loan instead of defending the validity of my Loan Modification. 
Remained silent while my ex-husband and his attorneys manipulated the legal system for financial gain. 
Used the fraudulent Quiet Title Judgment to begin foreclosure proceedings. 
This was a coordinated scheme between PHH Mortgage, my ex, and his attorneys to use an undomesticated foreign judgment and a fraudulent Quiet Title case to : Erase my predatory Loan Modification. 
Reinstate an old, defaulted predatory mortgage. 
Force a foreclosure that was guaranteed to happen. 
Benefit financially from the fraudulent proceedings. 
PHH Mortgages Conduct in the Illegal Foreclosure on XX/XX/XXXX Even though I filed XXXX  XXXX bankruptcy ( Case No. XXXX in XXXX  XXXX on XX/XX/XXXX, at XXXX XXXX, PHH Mortgage proceeded with foreclosure on XX/XX/XXXX. 

PHH Mortgage and their foreclosure attorneys, XXXX XXXX, XXXX, are deliberately misleading me about the foreclosure and my loan status : On XX/XX/XXXX, PHH Mortgage told me they " no longer had my loan. '' PHH Mortgage gave me the runaround all day, refusing to answer direct questions. 
Their foreclosure attorneys, XXXX XXXX, XXXX, falsely claimed they " couldnt tell what I was sending them, '' even though they knew exactly what it was. 
PHH Mortgage told me to call XXXX XXXX, but when I did, XXXX XXXX told me to call PHH. 
PHH Mortgage is purposely obstructing communication to cover up this illegal foreclosure. 

PHH Mortgage Violated Georgia Mortgage Law by Canceling My Loan Modification and Reinstating an Old Loan I legally obtained a Loan Modification in XX/XX/XXXX after following PHHs XX/XX/XXXX instructions to remove my ex-spouse from the mortgage. My ex had not paid since XXXX, so I secured a XX/XX/XXXX XXXX  court order that : Granted me full control over the property. 
Authorized me to sign on my exs behalf if he refused to cooperate. 
Explicitly prohibited my ex from interfering with my Loan Modification. 
XXXX  law prohibits lenders from canceling a Loan Modification and reinstating an old loan : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) A lender waives the right to enforce previous mortgage terms once a Loan Modification has been executed. 
Ocwen Loan Servicing , LLC XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) Once a Loan Modification is granted, the lender can not later reinstate a prior mortgage. 
PHH Mortgage violated XXXX  law by : Canceling my valid Loan Modification without legal justification. 
Reinstating an old, defaulted $ XXXX loan instead of honoring my Loan Modification. 
Pretending my Loan Modification never existed. 
PHH Mortgage Violated Multiple Federal Laws Dodd-Frank Act ( 12 U.S.C. 5531 & 5536 ) Prohibits unfair, deceptive, or abusive mortgage servicing practices. 
RESPA ( 12 U.S.C. 2605 ( e ) ) Requires servicers to provide accurate loan information. PHH knowingly misrepresented my mortgage status. 
CFPB Regulation X ( 12 C.F.R. 1024.31 ) Requires servicers to treat a confirmed borrower as the sole mortgage holder. PHH failed to remove my ex-spouse. 
TILA ( 12 C.F.R. 1026.36 ) Prohibits servicers from misrepresenting mortgage terms. PHH falsely claimed my Loan Modification was invalid. 
Resolution Requested I request the Consumer Financial Protection Bureau ( CFPB ) take immediate action against PHH Mortgage for its illegal foreclosure, violation of UEFJA, fraudulent mortgage servicing practices, and use of deceptive legal tactics. 

Declare PHH Mortgages foreclosure on XX/XX/XXXX, illegal and void. 
Order PHH Mortgage to reinstate my XXXX Loan Modification immediately, minus the predatory lending terms. 
Halt any attempts to transfer ownership of my property to a third party. 
Penalize PHH Mortgage and XXXX XXXX, XXXX for deceptive mortgage servicing and foreclosure practices. 
Investigate PHH Mortgages repeated use of fraudulent foreclosure tactics. 
Force PHH Mortgage to provide a full accounting of my loan status and mortgage history. 
Final Statement PHH Mortgage illegally foreclosed on my home on XX/XX/XXXX, knowing that the court ruling they relied on was void under XXXX  law. They have deliberately engaged in fraud, violated federal mortgage servicing laws, and used unlawful tactics to obstruct communication about my home. 

I demand that the CFPB immediately reverse this fraudulent foreclosure and take regulatory action against PHH Mortgage and XXXX XXXX, XXXX. 

Sincerely, XXXX XXXX XXXX

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