Consumer complaint received 2024-01-30 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: NJ

Complaint narrative:
FRAUD, WIRE TRANSFER FRAUD, IDENTITY THEFT Three Mortgage Companies involved that I know of XXXX ) Homecomings XXXX ) XXXX XXXX ) Ocwen Obtained Mortgage, Secured Deed and Note XXXX XXXX XXXX. Signed all documents on that day in the state of New Jersey. About XXXX XXXX I requested loan payoff documents. About XXXX XXXX  I requested a copy of the original note and deed from PHH Mtg Services , representing Ocwen Mortgage. 

When the documents came, I noticed several things : XXXX ) where we signed as the borrower two company representatives also signed as the borrowers from XXXX XXXX. When question I was told they were lenders not borrowers which is false. They borrowed from our XXXX XXXX XXXX XXXX Account and sold our security without our knowledge or authorization to a third party XXXX ) an additional document was attached to the Promissory Note called " XXXX. '' On one set of the documents returned to me was the Allonge with a FRADULENT, ALTERED SIGNATURE OF OURS attached to it. This document gives permission for our security interest to be sold without our knowledge or consent. It is used to induce lenders to buy securities. 

XXXX ) the affidavit of non-judicial foreclosure appears to be signed by us in the presence of the Sellers Closing Attorney and a XXXX XXXXXXXX We were never in the state of Georgia for the closing. We were in New Jersey and anything notarized was thru our attorney only. 

XXXX ) In the early years of the loan, when XXXX XXXX payments were made they were always doubled. On XXXX 's XXXX XXXX XXXX the fee that XXXX XXXX would add onto the payment. However that fee would always be doubled. When I complained to the lender, they said I had to take it up with XXXX XXXX, when I complained to XXXX XXXX they stated the fee was the fee the Lender charged. One fee went to XXXX XXXX and an ADDITIONAL fee for the SAME amount went back to the XXXX. I was unable to get anywhere with this constant DOUBLE DIPPING into charges and couldn't find a lawyer to investigate for a class action. The double dipping practice may still continue. 

My payments have not been late in several years. During the period of loan modification when the lender said payments did not have to be made until the modification went thru, they reported my payments as late to the credit bureau and refused to remove it. 

Due to this dispute fraud, identity theft, overpayments and full accounting, I have intentionally withheld the payments until it is resolved. The lenders notice says, when there is a " qualified written request '' regarding payment disputes, no payments would be due until it is resolved. However, I am getting letters of Default, phone calls for payments and late notices on my Credit Reports. 

I am requesting that they do a full accounting, remove any and all negative transaction history from their files and my Credit Report so this matter can be resolved.

Company response to consumer: Closed with explanation