Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
THIS IS A COMPLAINT AGAINST PHH MORTGAGE. THEY CONTINUE TO MANIPULATE AND PLAY WITH DIRTY HANDS. WE ASKED THEM TO VALIDATE A LOAN BALANCE THAT SHOW DIFFERENT TOTALS IN XXXX DIFFERENT PLACES. INSTEAD, THEY SENT AN UNSOLICITED BOGUS AND FALSE VALIDATION WITH A MISLEADING LABEL AS A LOAN PAYOFF. 

THIS LOAN HAS BEEN PAID OFF - PHH MORTGAGE SHOULD CORRECT THEIR RECORDS. BALANCE SHOULD BE XXXX Copy : Consumer Ombudsman, PHH Mortgage/Ocwen XXXX XXXX XXXX XXXX, PHH Morrtgage Subject : You sent a False, Misleading and Grossly Incorrect Loan Balance Hiding Behind an " Unsolicited and Deceitful Loan Payoff '' A. We did not ask for a Loan Payoff. The loan has been paid off - we ask that you immediately correct your records. Balance should be XXXX. 

You are in violation of the FDCPA for manipulative practices and providing fraudulent and false loan balances ( under the guise of a loan payoff ), and unfairly misrepresenting that it would fall as a loan balance validation. There is no evidentiary, historical detail that can be verified and audited. Again, our loan and the thousands that you are servicing should be audited. There are totally different loan balances in 3 different places. We demand a full audit by an appropriate government regulatory agency. 

MOREOVER, THE LOAN HAS BEEN PAID OFF AND IT SHOULD REFLECT AS XXXX BALANCE. 

B. It seems you are again manipulating the situation with your unfair practices. 

1. Again, we did not ask for a Loan Payoff. The loan has been paid off.

We Might Not Be the Only Member of this Class 2. We wanted to check if your accounting has any semblance of correctness and accuracy - and sure enough, there appears to be no accuracy - NONE. It is false, grossly incorrect. 

If this is happening to us, it is entirely probable that it is happening to thousands of mortgage holders whose loan you are servicing. 

3. The balance you are showing is totally different from what your counsel showed, and different from the last statement. You appear to be making things up, " padding the numbers ''. 

Your mortgage accounting should be audited by the appropriate government regulatory agency. And we have the proof that you appear to be manipulating loan balances. 

If this is happening to us, it is entirely probable that it is happening to thousands of mortgage holders whose loan you are servicing. 

You are in violation of the FDCPA for manipulating loan balances and making false, inaccurate and misleading loan validation. If this fraudulent and false balance remains uncorrected, we will not be constrained to report this matter to the Department of Justice, Fraud Division and request a full investigation.

We believe the CFPB should fine and penalize PHH Mortgage for an amount not less than {$5.00} XXXX as an effective deterrent to others. 


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