Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I contacted PHH to see who holds my note I was told XXXX XXXX I verified that was not true. I search XXXX my XXXX  # is inactive which means the loan was paid off or removed due to fraudulent activity. I researched further and found an Assignment of Mortgage was filed with XXXX XXXX in XXXX from XXXX to XXXXXXXX XXXXXXXX XXXX XXXX which went out of business around XXXX and the CEO went to prison for mortgage fraud, the Title Company on the Assignment of Mortgage deed also faced legal issue due to fraud. The notary on the Assignment of Mortgage is also fraudulent she resides in XXXX XXXX but, notarizing documents all over the state and different countries. The person that signed as the president of XXXX is not or ever been the president of XXXX. When I brought all my findings to PHH attention, PHH stated they could not disclose any information about the loan they're only the servicer. PHH has failed to provide who authorized them to service my loan, they failed to provide payment history from the time they started servicing the loan. They have added over XXXX to my principal stating I was on a forbearance that I did not sign for and stated I didn't have to sign but, they received 13 payments for the year of the forbearance. I plan to send a cease and desist letter until I can get this matter resolved. Because on the Assignment of Mortgage the lender, title company, president of XXXX and the notary are all fraudulent. I search everywhere no record of XXXX XXXX XXXXXXXX XXXX or no other financial institute have a record of my mortgage, utilizing my property address, social security number and name. PHH will only say the loan was transferred from XXXX XXXX which was the previous servicer and failing to provide who authorized them to service my loan. PHH originally informed me XXXX XXXX was the investor and holds my note but, XXXX XXXX has no record of my loan it was not until I made PHH aware, they then said it was XXXXXXXX XXXX which is no longer in business due to mortgage fraud. I tried to make a payment yesterday because I'm due for 4 payments they stated they will not accept anything less than 3 payments or they will send the payments back. I feel this loan was paid off/ and removed from the XXXX system years ago but, the servicers are transferring the loans utilizing fraudulent assignment of mortgages. I also requested assistance last year when I became XXXX PHH waited until the last day prior to my loan going into foreclosure status to tell me I did not qualify for any programs because my lender does not participate in any programs. Now PHH is requesting I send in a package for an alternative to foreclosure which they will deny again. I'm attaching the correspondence I received from PHH regarding the note holder, they failed to provide contact info leaving the phone number of XXXXXXXX XXXX XXXX because XXXX XXXX XXXX no longer exist . XXXX XXXX the original lender all were apart of bank fraud. My XXXX XXXX  is inactive ; An inactive XXXX designation may relate to the loan having been refinanced or paid off, discounted, or completely voided due to the invalid mortgage documents in the file.

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