Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This is a material breach and a personal attack from Ombudsman XXXX XXXX. She has acted in bad faith. She had no intention of mediating this. I blame her, as she represents this behemoth and I trust is behind this " response ''. 

PHH Mortgage is seeking to cover-up its wrong-doing by misrepresenting and using deceitful practices that have proven harmful. It's taken me awhile to piece all this together as I'm a struggling XXXX trying to prepare for a tour, observe XXXX, and remain calm and here I am seeking justice and being actively denied and not helped. 

As I've stated to XXXX XXXX, at this point PHH Mortgage is liable for ALL damages both to myself and XXXX Bank for whatever debt may or may not exist. Here are the facts, I've closely documented and sent evidence into the law firm of XXXX and XXXX for review. The fact is, PHH Mortgage actively blocked me from my account. That is not only a fact but a violation PHH Mortgage continues to overlook. I had to fight to even gain access to understand the contract and to perform the needed actioned as successor in interest. All this proven. 

It was a violation that incurred real damages and by PHH Mortgage admittedly denied me and bungling all this, do they deny? They don't get to walk away XXXX free after ruining peoples lives. And I will have justice. 

After denying me while struggling through a pandemic, I fell short and went into default, PHH Mortgage that up until that time actively denied me my rights took money from me, demanded more, destroyed both ( 2 ) cashiers checks, and then demanded more or they would auction my home. Now does that seem fair or reasonable? Deceitful at best, and these actions added undo stress and pressure when I was already struggling with the death of my Mother, covid, and sincerely trying to earn a living to cover my expenses. All this while barring me from my account, as PHH Mortgage still vacillate between its position, the recordings and mail will prove. 

After that ordeal, I began getting paperwork reflecting this home as paid off ; I had questions. These questions remained unanswered and I was given the runaround, the record will prove. Due to the breach of contract and PHH Mortgage actively denying me, abandoning its fiduciary role as servicer, the trust broke down, and PHH Mortgage IS liable. I felt, and reasonably so, grew suspicious of this company, and when PHH Mortgage refused to service me and remedy the issue by addressing my valid concerns in a timely matter I stopped paying. What other option was I left? PHH Mortgage refused to cooperate. 

I was already violated and denied all help after my Mothers passing, suffered through covid with no options of relief ( well documented ), overcame the unfair practices displayed by this behemoth and now I am clear. I am a victim of this company and should NOT be expected to pay when I was purposefully put in this dangerous situation, denied all help, and expected to just figure it out. A contract exist for a reason, PHH Mortgage doesn't get to change the rules as the go along. 

The fact is, the rules are clear and PHH Mortgage is in violation. Where in the land records are any of their claims substantiated? I've paid and looked into it and nowhere do I find PHH Mortgage listed as the legal servicer. They claim they deactivated it because it was delinquent in 2013, but that isn't true, it was a court order through bankruptcy meant to be a relief to my Mother, and there was in fact no reason to deactivate and eliminate MERS if there is still a active balance being collected on. MERS does NOT indicate delinquent-inactive status. So from XXXX where are the records of any of the alleged actions? 

XXXX knows the truth here, PHH Mortgage dropped the ball and are liable for all damages. Intentionally handling this in a way so as to put the consumer at a disadvantage. I've already stated everything in my demand letter, as an American I have a right to defend my rights and freedoms, this is MY land and I will die for what is mine. For PHH Mortgage I'm just a number but this is my life that I've been fighting for now years. So I won't go quietly in the night and let these criminals get away with mistreatment, unfair, deceitful and manipulative ways. 

PHH Mortgage kept me in the dark and impeded my ability to perform. These actions were intentional and deliberate. In all this, when will PHH Mortgage be held responsible? What responsibility do they hold in all this? PHH Mortgage is liable. If no one will help me, thats fine but I'll get justice if I have to rip it out of the grips of these criminals. What they've done is XXXX and are now trying to penalize the victim after having took their peace of mind, safety, opportunity, lets now throw the victim to th street. Unacceptable I will NOT take any further abuses from PHH Mortgage. They ar on notice.

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