Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage has repeatedly failed to comply with RESPA / Regulation X duties to timely acknowledge and substantively respond to my written Requests for Information ( RFI ) and Notices of Error ( NOE ). Instead of providing required servicing records, PHH has used litigation posture as a pretext to withhold information, suppress evidence, and avoid accountability. This has created ongoing harm because PHH continues collecting payments while refusing to provide basic documentation showing what it is collecting for, who the creditor is, and how the amounts are being applied. 

Pattern of misconduct and suppression XXXX. Non-response / non-substantive responses under Regulation X PHH has repeatedly ignored or failed to provide complete, timely, and substantive written responses to my Regulation X RFIs/NOEs. 
When they respond, the responses are incomplete, evasive, or do not address the specific items requested ( XXXX XXXX, servicing notes, payment history, escrow analysis, insurance claim/force-placed insurance, title insurance data, and ownership/authority to collect ). 
XXXX. Withholding insurance and title insurance information PHH withheld insurance-related information and title insurance information that contradicts the 2007 narrative being used to justify servicing positions and/or the asserted chain of title. 
The withheld title insurance information materially conflicts with PHHs narrative and demonstrates that the servicing/ownership storyline is unreliable. 
XXXX. Using litigation as a tool to suppress evidence PHH has claimed it is acting as a litigator or that the matter is in litigation to avoid providing information that it must provide under consumer servicing rules. 
PHH is using litigation tactics to block discovery of the XXXX XXXX, servicing notes, and creditor authority, while still collecting funds. Litigation is being used as a shield to prevent verification of the very facts PHH relies on to collect. 
XXXX. Collecting payments with no servicing notes/ unclear creditor PHH continues to collect payments while failing to produce servicing notes or competent records showing who they are collecting for, what entity is the creditor, and what contractual authority supports collections. 
We do not know who PHH has been collecting for because the servicing record is not being produced. 
XXXX. Wire transfers and deductions under multiple names/aliases Payment records and wire transfer evidence show PHH has XXXX funds from our account under various alias names, creating confusion and suggesting improper third-party routing, misapplication, or concealment of the true recipient/creditor. 
This is especially serious because consumers must be able to verify payee identity, authority, and allocation. 
XXXX. Refusal to provide an XXXX XXXX and proof of the note PHH refuses to provide a complete XXXX XXXX of servicing activity, payment application, and escrow/insurance handling. 
PHH has also failed to produce proof of the note / ownership / authority to enforce, despite repeated written requests. 

Why this is not a duplicate complaint PHH should not be permitted to close complaints as duplicate because the duplicate designation is part of the misconduct pattern. The ongoing violations are continuing and include new, continuing, and unremedied failuresspecifically the refusal to provide the requested XXXX XXXX, servicing notes, and proof of authority. Labeling complaints as duplicate is being used to avoid investigation and to obstruct access to records that PHH is required to produce. 

Requested resolution I request that PHH be required to : XXXX. Provide a complete servicing XXXX XXXX including full payment history, allocation, suspense, escrow computations, corporate advances, and transaction logs. 
XXXX. Produce servicing notes and the complete system of record entries for the account. 
XXXX. Identify the current creditor/owner of the loan and provide proof of authority to collect and enforce ( including relevant transfers/assignments and the basis for servicing ). 
XXXX. Provide all insurance-related records, including any claim correspondence, loss draft handling, escrow/force-placed insurance records, and any withheld title insurance documents. 
XXXX. Explain all deductions/payee names/aliases associated with withdrawals or wires and where funds were routed. 
XXXX. If PHH can not provide competent documentation proving authority and correct application of funds, PHH must refund misapplied or improperly collected amounts, correct the account, and stop collection activity until compliant. 
XXXX. Confirm PHH will not continue using litigation as a blanket reason to withhold Regulation X-required information and will provide a written, item-by-item response to each request. 


PHH has a documented pattern of dismissing or closing matters as duplicate instead of addressing the substance. This complaint should not be closed as duplicate because the violations are continuing and PHH still has not produced the required records. I request CFPB require PHH to provide a substantive, itemized response and the underlying documentation, not a form denial.

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