Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
The last time I submitted this complaint on XX/XX/XXXX to the CFPB, I had to watch while this group or person employed by PHH Mortgage Services or someone on the side they hired, intercept my 2 complaints, take them and filter out all reference to the fraud I caught PHH in, and then let the complaints go through to the CFPB completely changed/altered. I come to find this is nothing new. They have been doing this sort of thing to homeowners for some time now. Hiring or employing hackers to come out to your residence to establish an access point ( no diff from when sign up for wifi and tech comes out to establish ) so that they can control your communication outflow, like they did here with my last complaints. They also capture and filter out any communication inflow you receive that could be detrimental to their goal of committing fraud and stealing homes undetected. What I caught PHH in is a Homeowner 's Insurance Kickback Fraud Scheme, but until now, my words have not been able to get out. 

So we are going to try this again. This time, I am at a public computer. Not at any one of my many phones they remoted into already and hacked where I can't get them to stay out. Not submitting this on my laptop either which you can see from the previous complaint I made back in XXXX of last year, it specifically addresses PHH being in my electronics and how I want them out. They are violating my civil rights by keeping me from seeking legal litigation against them. They stated they were not monitoring me. They lied and are still in there. I have to deal with this every single day. They also delete emails not just pertaining to fraud but anything that could help the fight against them to expose their fraud, such as getting a job. They keep you down in a hole and are purposely playing a heavy hand in bleeding you out. Getting a job goes aganist this very concept so you can rest assure they don't intend for you to obtain gainful employment. 

Now the last time I submitted complaints here to the CFPB, it not only got intercepted by PHH, but the complaints generated automatic responses from PHH and 2 other mortgage servicers. How can these mortgage servicers have it set up to automatically detect here on the CFPB website when a complaint is submitted on them? They should not be able to do that, yet they did. That's what worries me, especially when you consider I once already had a lawsuit filed in court on PHH, but they manipulated the situation to make it go away. Back then at that point I had only began to piece the whole fraud scheme they put me in together but as can read from attached, it still starts to show their fraud they are committing. I need to find out the truth though on why these mortgage servicers appear to have control here on this site where they shouldn't. So below is the same exact complaint, word for word, submitted back in XXXX, only this time I am at a public computer submitting it where they should not be able to intercept it before it gets there. Also, I am positing this very same complaint to social media and created an online version with a link that I can share and spread all around for all to see. In other words, there should no way what it is I say and make complaint about, get intercepted beforehand and changed at all. what comes out at the CFPB needs to match, word for word, what's posted elsewhere or we have a huge problem on our hands and not just the fraud I caught PHH in. Especially if more system generated responses get triggered once I submit this complaint as well. 

Also, I checked off to let this complaint get published on the CFPB website for all to see. I want to make sure that's understood as well. 


_____________________________________________________________________ In XX/XX/XXXX, PHH Mortgage Services committed fraud on me and staged a default that that would lead to an illegal foreclosure and auctioning off my house on XXXX XXXX XXXX. This was 100 % through no fault of my own. I had not missed any payments, was not late in payments once in the whole entire 10 years I had my mortgage, was not subprime, did not have a variable rate, bought a home within my means, even put 10 % of the note down when purchasing the home in XXXX. 

Apparently that wasn't good enough for PHH, so they took it upon themselves to stage a default of my home loan by fabricating a missed payment that they then converted to a fabricated escrow deficiency when running escrow analysis for the year on the same date as the statement date. They are basically using dual default dates in a method that has a staged default date in the back that can never get satisfied so always defaults the homeowner no matter what effort he puts in to fix or get his mortgage current, and a fabricated default date that the homeowner is led to believe is the default date and reason for him in foreclosure and his house going up for auction. Its all smoke and mirrors though and 100 % fraud that they have been using this to steal peoples homes and destroy their lived for over 10 years now from what I can trace from past examples in court proceedings, articles, blog entries by homeowners, etc. They just never realized it wasnt their fault and all due to fraud that they were losing their home. All the effort they were putting in researching about foreclosures, reaching out to others for advice, creating blogs to document what is happening to them as they go through it, trying effortlessly to hire a lawyer when it seems like none will take up your case, is basically all done for nothing. The fate of their home was pre determined the minute they got put into this scheme. Once in, the process can basically be considered automated at that point in that the staged default date in the back that cant be satisfied but the homeowner is unaware of as the problem to begin with, overrides everything. Pay to get current? It overrides and are still in foreclosure status. In a trial period of a loan modification? It overrides and is reason the trial period payments are misapplied. Do anything at all to save your home and you are wasting your time because it overrides, it overrides, it overrides. I went through the whole process and should know. 

The worst part is, as you can see from the attached evidence of NTS of auction on XXXX XXXX XXXX, PHH illegally stole my house and sold it at auction as if it was a legitimate foreclosure while I had to stand by and watch all the while knowing and screaming to others that it was fraud. They used a fabricated escrow deficiency that 100 % did not even exist in the 1st place as the basis to commit fraud and take my home. 
They broke federal law as you can see straight from my demolished Transunion report that they refuse to fix, every time they charged me {$1500.00} because this amount includes an additional {$460.00} of escrow charged to me in every charge that they did since XXXX XXXX on forward. And then colluded with my own bank, who has been caught doing this fraud before, XXXX XXXX XXXX, to overdraft and charge my account by this amount 13 times in XXXX of XXXX. I attached statement snapshots from XX/XX/XXXX when PHH did this XXXX overdraft as well as subsequent month statements when the overdraft was reversed and came back but was used as basis to strip my equity. 

PHH has my original default date in XXXX XXXXXXXX XXXX report is straight from pulling off their website. They have confirmed it is system generated meaning what's reported and shows on the XX/XX/XXXX report came straight from the system at PHH unaltered or changed. PHH 's own system shows me as satisfied or {$0.00} charged, {$0.00} paid, {$0.00} overdue, so therefore I'm green for the month on XXXX  report. You know where I'm not green for this month? Over at PHH which has me as red for the month or delinquent and used this as basis to default me. 

This all really really happened to me. 

Why? 

This was all fabricated and PHH used a payment/escrow deficiency that never even existed in the 1st place to default me and auction off my home. I will be forwarding this to HUD homes, getting the attorney general involved, as well as the FBI, and my lawyer. They should not be able to do this and destroy the lives of homeowners let alone ones with XXXX. I have a hard enough time making it in the world without having to worry about my own mortgage company committing fraud on me and stealing my home for no reason of my own whatsoever. But thats what they did and thats what they are continuing to do to homeowners today.

Company response to consumer: Closed with explanation