OCWEN FINANCIAL CORPORATION

2019-09-09

Grand Prairie, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-09

Oxford, GA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: We refinanced our mortgage, previously held by XXXX XXXX servicing for PHH mortgage in XX/XX/XXXX. We were given an amount to wire to the closing attorney and this was done the day after the paperwork was filed. The payoff was adjusted the following Monday however the closing attorney/title company made the payment to XXXX XXXXPHH for the original amount, resulting in an overpayment to them in the amount of {$1000.00} plus an overpayment of interest in the amount of {$140.00}. The details are as follows : On XX/XX/XXXX the company we refinanced with was provided with a payoff statement from XXXX XXXXPHH. This statement provides the following : Current principle balance : {$180000.00} Interest due through XX/XX/XXXX {$740.00} ( at a per diem rate of {$24.00} ) Recording Fee : {$14.00} Recoverable balance {$11.00} Wire fee : {$25.00} Total Payoff : {$190000.00} Your payoff statement further states : THIS STATEMENT REFLECTS THE TOTAL AMOUNT DUE UNDER THE TERMS OF THE NOTE/SECURITY INSTRUMENT THROUGH THE CLOSING DATE WHICH IS XX/XX/XXXX. On XX/XX/XXXX XXXX XXXXPHH was wired {$190000.00}. The difference between the amount of the payoff ( through XX/XX/XXXX ) and the amount they were wired is {$1000.00}. Additionally, they applied the funds to our loan on XX/XX/XXXX. This leaves 6 days of interest which would not have been accrued at the per diem rate of {$24.00} for a total of XXXX. Neither of these amounts have been refunded to us at this time. In fact, the online system we have for our account with them shows a lot of odd amounts all attributed to " late fees and misc '' on the day the wire for payoff was sent to them. We have screen shots of these but the run down is as follows : The activity of our loan in the online portal shows the following, all for XX/XX/XXXX. Payment received : {$180000.00} Suspense Payment received : {$990.00} Misc fees/late charge Payment received : {$990.00} Misc fees/late charge Payment received : {$990.00} Misc fees/late charge Payment received : {$990.00} Misc fees/late charge Payment received : {$640.00} Misc fees / late charge Payment received : {$14.00} Misc Fees / Late charge Payment Received {$25.00} Misc Fees / Late charge The total of these payments is {$190000.00} or exactly {$11.00} less than the actual amount of the wire sent to the mortgage company on XX/XX/XXXX. The second issue is our escrow account. As of the last statement dated XX/XX/XXXX as well as the payoff statement dated XX/XX/XXXX our escrow balance was {$6400.00}. No payments of our insurance or taxes have been disbursed from this account and this has been verified with our insurance company and the XXXX Department of Revenue. Within days of the payoff of the loan, our escrow was suddenly reduced to {$3100.00} with absolutely no notation in the activity of where the remaining {$3300.00} went. As the payoff statement indicated that it was the TOTAL AMOUNT DUE and as XXXX XXXX/PHH was already sent well above that amount, we can see no reason within the provisions of the payoff that any escrow could have been used for any shortfalls in the payoff amount. There is no other acceptable reason for our escrow to have mysteriously dropped by this amount with no accounting for expenditure. On XX/XX/XXXX a check was issued to us for just under half of our escrow in the amount of {$3100.00} and this is reflected in the activity online. Based upon the above, the totals currently owed to us are as follows : Overpayment of payoff : {$1000.00} Overpayment of interest : {$140.00} Escrow refund due : {$3300.00} ======== Total owed to us : {$4600.00} We have been unable to get the company to explain where all of our missing money is. We provided a detailed accounting of the missing funds to them by certified letter and fax on XX/XX/XXXX. We have only received a response indication they received our letter but nothing else. We are turning to you in the hopes that you can assist us in getting them to respond and reimburse us the funds that have been improperly withheld. Documentation of the payoff, excrow, amount wired and all other aspects of this complaint have been provided to XXXX XXXX/PHH and can be provided upon request.
Company Response: Closed with explanation

Timely Response

2019-09-09

Bridgeport, CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Attached is the appeal I am sending to PHH for denial of a modification. Inside of this document are all of the facts that transpired. The amount per payment was {$1900.00}. Ocwen the previous servicer allowed 89 day rule meaning if you fell behind as long as you weren't 89 days it was acceptable to keep paying the one which I had been doing for a long time. Because a lump sum to catch up was required, I was waiting until the end of this year because a bonus is coming and a raise came in XX/XX/XXXX. Then PHH misled me and wouldn't allow me to make my regular payment claiming they had a 45 day rule which was never disclosed to me. This led into me applying for a modification I didn't want, and then they denied me. Seems quite fraudulent and a trap in my mind. I am appealing the decision and my letter is below. Because they are requiring a lump sum I must accumulate many checks to make that happen. I don't have access to additional funds. I am a single, divorced mother of one, who lives with me full time, and I receive no alimony. Honestly, there are many avenues of resolution and I need assistance because it is me against big business and need someone in my corner to explain to these people they misdirected me and are now trying to bully me by making me apply and then denying me. Please also note, my actual last name has been changed although no one will change it even though I have continuously supplied the documents. It is XXXX no longer XXXX. However, when I filled out the end of this submission to you, am putting XXXX to avoid confusion. I am writing to appeal a letter I received on XX/XX/XXXX reflecting a denial for mortgage assistance regarding the home I have lived in for the last 19 years. I would like to take this opportunity to present the entire case of facts, not just the unsettling matters that have occurred over the last 60+ days ; in particular. 1. Notice of reaching the maximum number of modifications o It should be noted, that at no time was a forbearance option offered o I am unsure the number permitted however, as limits were never disclosed to me ; however, I have since been divorced and circumstances are different, never have I been modified under my own income and circumstances I have only modified repayment terms 2 times with my ex-husband. o As I explained on the phone, I sustained flood damage in XX/XX/XXXX and lost many things, this includes some historical paperwork. I have requested payment history to which I still have not received, and would like copies of modifications on file since XXXX. 2. Notice of > 90 days delinquency o I have been making the monthly modification payments ( Under the last modified terms it had been configured for 2 incomes. Although I had complained at the time that I was a single income this modification was using 2 incomes, which was no longer as the divorce had occurred o I am still unable to access my own information and have yet to receive my request for payment history which still has not been sent to me and said could not be provided to me, beyond the last year which she confirmed all were paid, on the call to PHH on XX/XX/XXXX o Last payment was made on XX/XX/XXXX o I received an Intent to Foreclose XX/XX/XXXX ( dated XX/XX/XXXX ) stating I was 3 behind. ( Attached Intent to Foreclose ) This was not, nor never has been the case. Since I was consistently paying before the 89th day, and Ocwens terms allowed that, that means the payment I made XX/XX/XXXX took care of the XX/XX/XXXX payment. Now I was due for XX/XX/XXXX that I intended to make in XX/XX/XXXX, hence the call I made XX/XX/XXXX. Thats 2 payments owed, it cant be 3 until XX/XX/XXXX comes and nothing is paid. This was explained and confirmed by the agent on my call. Please see Activity Schedule ( attached. ). o I placed a call with PHH on XX/XX/XXXX. On this day, the most recent payment was less than 80 days late ; and I wanted to discuss my next payment the week of XX/XX/XXXX since the letter was confusing I was not requesting assistance I have requested this call be reviewed by PHH to prove my assertion that I was not requesting assistance 3. The lack of appropriate written notification where the terms in which Ocwen accepted payment was no longer being honored by the new servicer o No written notice received disclosing the 89 day rule no longer applied. On the call on XX/XX/XXXX the following took place : Agent XXXX advised me PHH goes by 45 days delinquency hence the letter Agent XXXX, advised me that I would be prohibited from making a single payment, as it would be returned. I explained 2 payments by the end of XX/XX/XXXX was not possible Agent XXXX suggested several options and took me through a 2 hour interview for prequalification of mortgage assistance Agent XXXX told me I was prequalified for all options discussed I waited for the package. o I promptly completed the package on time and emailed it on XX/XX/XXXX o I received confirmation on XX/XX/XXXX of receipt o I received notice of no receipt on XX/XX/XXXX o I received notice of completion and acceptance on XX/XX/XXXX o I called PHH on XX/XX/XXXX for a status. o I was given the status of final stages and escrow analysis was in process o On XX/XX/XXXX, I received a denial letter dated XX/XX/XXXX ( a day prior to my verbal confirmation of final stages and escrow analysis o On XX/XX/XXXX I spoke with Agent XXXX. o Agent XXXX informed me XXXX XXXX is the servicer holding the actual collateral documentation ( loan and modification packages ), and PHH is actually just the sub-servicer o Why is there New Rez on the denial letter on the top never was explained o No written notice has ever been provided of the servicing relationships ( Until XX/XX/XXXX ) o Agent XXXX stated I should have made the XX/XX/XXXX payment. o Agent XXXX asked me if I could make 4 payments by the end of XX/XX/XXXX. I said no. o Agent XXXX asked me if I could make 5 payments in XX/XX/XXXX, I said no. o XXXX counter-offered Agent XXXX that I could 6 payments in XX/XX/XXXX by the end prior to XX/XX/XXXX and she said no. o Agent XXXX stated the denial for the modification was due to modifying my loan with Ocwen prior to the servicing transfer PHH so the number of times is cumulative. I am unaware what this number is. Many of my records were lost in the flood in XX/XX/XXXX. I am only aware of 1 possibly 2 and have lived here 19 years and none under just myself since being divorced. If PHH is my sub-servicer, then why am I not being held to XXXX modification criteria? What are those criteria? Are they more stringent or lenient ( as Ocwens was )? o Before I could even finish this submission for appeal, I received yet another letter dated XX/XX/XXXX, from PHH now stating that XXXX XXXX is the owner of the loan and PHH is still servicing? And not on paper that had XXXX XXXX at the top. ( Attached Change of Bank Notification ) o XXXX XXXX was listed at the top of the the denial letter, however Agent XXXX said the bank was XXXX XXXX. o What happened? I do not understand why my loan keeps transferring both bank and servicer now. Has this been sold as an REO Asset while Im still trying to remediate acceptable repayment terms? If so, the new letter does not indicate that ; but why else would another servicer be willing to purchase my loan unless they plan to sell it in REO? Why XXXX XXXX was on the denial letter on the top never was explained. There are many options I can suggest that I think are reasonable and can benefit all parties : 1. Reconsideration of reinstating the existing modification although was developed for a 2 person income this is what I alone was paying for 2. A repayment plan with payments that would include extra per month to catch up those that are behind 3. A forbearance option to get back on track due to PHH misdirection of not allowing me to make the payment in XX/XX/XXXX on the schedule I had been 4. Establishing a new set of terms as the single person that I am, and have been for several years 5. Finally, although it would be putting an unnecessary hardship on me, I am willing to make 6 payments prior to XX/XX/XXXX as a last resort, should a new modification and/or forbearance not be offered. The end goal is simple. I want to resume making my payments, remain in my home and move on with my life as a single parent, as this has been an ongoing saga with PHH for close to 3 months. This process has delayed me from paying as I had been, and I reiterate, I never was seeking any help at the time of the call on XX/XX/XXXX which put me where I am. My daughter is in her junior year of high school and knows no other place but this home. She lives with me full time. I believe it is a fair representation to summarize this process as having serious flaws regarding communication and assistance. I strongly request reviews of the recorded calls from XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-09

Kansas City, MO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My loan was recently transferred to PHH Mortgage Services on XX/XX/2019. Not only did I not receive any information from either processor about this transfer until late XXXX, but now I am unable to make my payments to PHH. I made a payment on XX/XX/XXXX for the XXXX due date ( I never make my payments that late, but was forced to do so due to neither party accepting my payment until that time ). Now when I try to make my payment online or over the phone for the XXXX due date I get a message stating that they are not able to take my payment. They do not have any of the correct dates of payment on their website and show something about a " payment rejected by bank '' for {$0.00} on my payment history - my payment has been cleared from my account since XX/XX/XXXX. I was told I could call back and make my payment today XXXX after " everything clears up '', but am still unable to make my payment! I feel I am being forced to make payments late due to them continuing to have processing issues and not taking my payment! I keep getting vague answers when calling the company like " give it one more day '' and " well you aren't late until the XXXX so you still have plenty of time '' - that is not the point! I want to be able to make my payment within the 1st week of the month and for it to be processed properly. This leaves me feeling uncomfortable and not confident in the company 's ability to service my loan. When you request to send a written complaint on their website the link does not work. I will also be contacting the media about this company and sending a written complaint to their managing committee. This is ridiculous that I am unable to make a payment and am being FORCED to pay late when you have had my loan for over a month now. You should have had the transfer completed in full by now.
Company Response: Closed with explanation

Timely Response

2019-09-09

Sandy Hook, CT

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-09

Brentwd, MD

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-09-08

Saint Clair, MO

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Missed work due to a natural disasters and then a c person contacted us from Ocwen mortgage that turned out to be a scammer lost XXXX dollars tried to get a modification or repayment plan or forbearance denied all said they sent out a letter never received so don't even know the reason we were denied they said it was in the letter .now our payment has gone up almost XXXX dollars a month mortgage company says insurance increase but now we have a letter saying insurance cancellation because of none paymen.we our at our ends we don't want to lose our home we have been in for 15 years feel we our being screwed we have just fell on bad times and want to workout a deal please help I don't know what else to do so many scammers out there afraid of them and they say I should not have to pay for modification help thank you XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-07

Las Vegas, NV

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-06

Ashburn, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-06

Jupiter, FL

Incorrect information on your report

Mortgage: FHA mortgage

Complaint: This home was sold in XXXX of XXXX.. in XXXX of XXXX while in the process of purchasing a new home we saw that Ocwen was reporting late payments on the account which was incorrect..While they where researching the account someone at Ocwen entered some wrong information into my credit report stating that the account was still open and delinquent!!! Well our new loan was denied and we almost didnt get the loan for the new house ... Well we finally got Ocwen to enter the correct info regarding the loan being closed and sold, but they never removed the delinquent payments on the credit report.. I have submitted several disputes for them to correct this info, but they have not corrected this info yet.. Once again there were never any late or delinquent payments on this account!
Company Response: Closed with explanation

Timely Response

2019-09-06

Nyc, NY

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: On XX/XX/XXXX I used online bill pay to send {$100000.00} to my HELOC to pay down the balance. I didn't realize my bank ( XXXX ) had moved it's servicing business away from PHH and the funds were not credited to my HELOC account. I called during the week XX/XX/XXXX to retrieve the funds. I have been calling 2-3x per week since then. I have submitted proof of payment to PHH but PHH are not returning my funds. PHH claims they sent the money back to XXXX but are refusing to provide proof of payment. I have called more than 10x to try and get my {$100000.00} back but am always told that PHH needs to find out what happened with the cash department and get back to me. They never do. These are the people I have spoken to at PHH : ( XXXX ) XXXX XXXX XXXX extension XXXX XXXX exension XXXX XXXX - ( don't have extension ) https : //www.phhmortgage.com/
Company Response: Closed with explanation

Timely Response

2019-09-06

Stkn, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-06

South Florida, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My current servicer is force placing insurance for a structure located on my property that has been destroyed by Hurricane Irma and no longer exists. Before the storm there were two structures on the property. Full Insurance coverage has remained in place for the remaining structure. I have sent the required documentation multiple times that the property no longer exists in order for them to cancel the forced placed insurance. Even though they have cancelled the policy several times once they receive my documents they continue to do it again the following month and I have to repeat the process all over again. They have cancelled the forced placed coverage several times this year alone and put in writing acknowledging their error and that they are aware there is no longer a structure yet every month I get a new forced placed insurance policy. This is so ridiculous to have to prove every single month that they there is no structure and it has caused me distress and so much time to stop them from doing this every single month. It is blatant disregard and it should not be allowed. It has caused me emotional distress and I am worried the lender is trying to charge me for something I do not owe. Please make them stop. I have tried everything! I am uploading all of the forced placed notices along with correspondence stating they are cancelling the coverage.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-05

Bel Alton, MD

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-09-05

Orlando, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-05

Cary, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-05

Sigel, PA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-09-05

Watkins, CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a loan with Ocwen mortgage company. On my statement is says I owe them {$6800.00}. I went to their website to pull a payoff statement. I tried a few times but their system was to working. I wanted to pay this off so to be safe I sent them a payment for {$6800.00}. I called the company today and they said they out the payment on hold ( and it is still on hold ) because it was more than the statement said. I asked why they did not pay the loan of and send me a small refund? Their representative could not really speak to it. I then said the statement still is the same pay it off today and send me a small refund. He stated that is against their policies. Now they are sending it to the payoff department to see what they can do. I am not going to be paying another 11+ days of interest because Ocwen could not simply apply my payment that I overpaid. I thought this would be a very easy process and it seems that is not the case. I did tell them I did this exact same thing past year with Ocwen as well and the process went exactly how I hoped it would go this time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-05

FL

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: go to page 4 on XXXX to view all of the Exhibits for this Complaint. BANK FRAUD COMPLAINT EMERGENCY MOTION TO STOP AND ARREST THE LAWYERS AND BANK FOR BANK FRAUD AND ILLEGAL EVICTION WITH NEWLY DISCOVERED EVIDENCE. AND FRAUD This is total Fraud, XXXX and XXXXXXXX XXXX is breaking all Laws to take our property because I as XXXX for Trump have been treated bad with XXXX MEGA Discrimination because of me helping Republicans from BUSH, XXXX TO TRUMP. Newly discovered evidence and fraud, XX/XX/XXXX, we went to the XXXX County records Department because all Mortgage Notes are Required to be Recorded with Original Signatures F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) exh. A. and. We discovered that the XXXX XXXX NOTE has absolutely no signatures of the so called buyer ( XXXX XXXX ) on Note as Required by F.S. 695.26 ( 1 ) ( a ), which caused me to search the whole record to discover that All Buyers ( XXXX XXXX ) SIGNATURES and INTIALS are all Blacked Out and the blacked out signature as shown on XXXX # 1 showing XXXX County Clerk XXXX XXXX XXXX XXXX behind Clerks desk behind protective glass. Shes on video after red stamping and putting my payment receipt on the Certified so called XXXX XXXX showing Mortgage Note on Camera, video shows blacked out initials on XXXX Note. And two managers of the Clerks office saying theres no way this Note should have been put on Recorded without the Signature, XXXX and I recorded this all on docket for XXXX XXXX theres no signed Mortgage, Promissory or Prepayment Rider Recorded in XXXX County . go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg1 go to page 4 on XXXX to view all of the Exhibits for this Complaint. There is no lost Note count in XXXX XXXX Complaint and XXXX is not listed in the Note as Nominee or anything at all, exh. A. Which is why they did a Fake Mortgage Writ of possession attached to back. Assignment which included the Promiss ory Note as stated on the bottom of the Assigned note from XXXX XXXX to XXXX exh. C., signed by the Vice President of XXXX ( XXXX XXXX ) the same lady who on the exact same date she signed a fake Allonge to another Bank called XXXX XXXX XXXX, illegal see exhibit CC 1-5 you cant sell a Note to two different entities especially on the same date and did not record the assignment until XXXX 1 year and 5 months after sale which makes the note void according to F.S. exh. C. Allowing an unsigned Mortgage Note to be Recorded in Florida which is a Felony, F.S. 817.2341 and 775.082, 775.083 and 775.084. And are all forgeries that can almost be seen under the blacked out ink when comparing that signature to the other signatures of the other notes with the correct signature see the Plaintiffs XXXX Recorded Note shows Note has a wrong forged signature that you can see under the blacked out signature, exh. A. This is the Correct XXXX XXXX real signature from the other note from real Recorded Note of XXXX XXXX other property. From a real Closings, see pgs. 16 and 20 of, exh. B1 and B2. And XXXX XXXX XXXX was sued by XXXX XXXX XXXX XXXX Because of money given but no Note, exh. F1, F2, F3,. And no valid Warranty Deed because XXXX XXXX was not there and did not sign the Warranty Deed, exh. G. One of the owners of the home XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was not at the closing, see affidavit exb. H. and XXXX XXXX did not sign anything as it APPEARED on the fake Warrenty Deed, exh.G. See XXXX XXXX real signature on drivers license, exh. H2. Someone illegally signed for XXXX XXXX. See Affidavit from XXXX XXXX another owner saying that he ( XXXX ) was their at the Angry wiped out non closing and witnessed that XXXX XXXX, XXXX XXXX, XXXX XXXX nor did XXXX XXXX show up to the closing and the Warranty Deed was not signed, see exh. L. Affidavit from XXXX XXXX stateing that he was not at the closing so there was no Legal Warranty filed on the Record! So payments continued to Bank, exh. S1, S2, S3. and then XXXX XXXX XXXX XXXX. XXXX XXXX. wrote and said make all payments to XXXX XXXX XXXX, exh. T. And Payments were made on time even six months after XXXX XXXX Foreclosure was started XX/XX/XXXX, exh. M. See receipts showing payments XX/XX/XXXX to XX/XX/XXXX 4 months after XXXX XXXX foreclosure started exh. K1, K2, K3, K4. And unknown Bank. XXXX XXXX Lis Pendance date filed with no Due Process Notice to us, see page 11 of XXXX Docket exh. O. This filed while Payments were still being made and on TIME, exh. 5. And notice the Note blacked out the Loan Number so that you could not check it, exh. A. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg2 go to page 4 on XXXX to view all of the Exhibits for this Complaint. THERE IS ABSOLUTELY NO XXXX NOTE AT ALL A. ) Because XXXX XXXX did not go to the Closing and did not sign the Notes to XXXX BANK, so then the Note was never Assigned to MERS, exh.C. 2 B. ) Assignment must be recorded within 30 days F.S. 494.0075 3. ( 3 ) our Assignment WAS RECORDED 1 YEAR AND 5 MONTHS AFTER THE SALE/CLOSING, The Assignment conveyed, sold and signed XX/XX/XXXX Recorded XX/XX/XXXX, exh. C. C. ) Because MERS never got a Legal Assignment from XXXX XXXX because there was no XXXX XXXX Mortgage Note that existed. So XXXX did not Assign the Mortgage Note to XXXX XXXX. Which shows that this EVICTION is ILLEGAL THEFT OF THIS PROPERTY, we actually have no rights to own property. heres more proof. D. ) If Mortgage Note is not recorded by 1 year the Mortgage Note is void. This Note was never signed and never Recorded with XXXX XXXX signature from XX/XX/XXXX until today so Mortgage Note is void. And in violation of F.S. 695.01. and see : Exh. A. E. ) The Mortgage Note has a space in the right corner of Mortgage Note for the preparer of the Note where the name and post-office address of the natural person who prepared the instrument or under whose supervision it was prepared are legibly printed, typewritten, or stamped upon such instrument ; this Note is void. And in violation of F.S. 695.26 ( 1 ) ( b ). F. ) And then the Note was Conveyed illegally by XXXX XXXX to XXXX XXXX XXXX XXXX ( XXXX ) with no thirty day or any notice As required by Florida which renders Note unenforceable and void. F.S. 701.02 ( 1 ) ( 2 ) ( 3 ). Notice requirement - The borrower must be giving 15-30 days notice before note is sold or assigned to another entity. ( RESPA Law 12 U.S. CODE 2605 ) the Mortgage Note signed XX/XX/XXXX and the Assignment was on the same day of Sale without required Notice also in the original fraudulent mortgage note PAGE 11 number 20 states that the sale of note or change of services the borrow must be given notice according to RESPA law which is 15 to 30 days. But the fraudulent Assignment was signed XXXX. XXXX XXXX, exh. C. the same day as the fraudulent closing, written on the front page of the Mortgage Note, exh. A. which makes this Assignment void.F.S. 701.02 ( 1 ) ( 2 ) ( 3 ). G. ) Assignments must be recorded with in 30 days according to Florida STATUTE 494.0075. 3 ( 2 ) ( 3 ). This Assignment was recorded two years after sale was illegally signed, exh. C. this Assignment is totally void. H. ) If Assignment is not recorded by 1 year the Assignment is void according to Florida Statute 695.01. The Assignment was signed and notarized XXXX XXXX XXXX but was recorded XX/XX/XXXX, one year and 5 months later. Exh. C. I. ) ( Mclean v. JPMorgan ) says you cant foreclose before you own the Note! The Assignment from XXXX to XXXX XXXX is Void because assignment was made after foreclosure started XX/XX/XXXX, exh. M. and the XXXX Assignment to XXXX XXXX was XX/XX/XXXX, exh. N. and ( Mclean v. JPMorgan ). SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! ILLEGAL FAKE NOTARY PUBLIC VOIDS OWNERSHIP ON MORTGAGE NOTE go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg3 go to page 4 on XXXX to view all of the Exhibits for this Complaint. The Notary on the Mortgage Note is a VOID. The Notary stamp must contain commission or ID number, to identify the person if needed to varify or in court, ( Our Mortgage Note for XXXX address has no commission or ID number thats at all Legible to hide their thievery see page 15 of the MORTGAGE Note of Record. in violation of F.S. 117.05 ( 3 ) ( A ) and F.S. 695.26 ( 1 ). This Mortgage Note does not have proof of identity of signer as required in violation of F.S. 117.05 # ( 5 ) and ( 5 ) ( a ) see exh. C. page 2. at middle of the paper. The Notaries name must be printed under their signature, on XXXX Mortgage Note there is no printed name under the Notary Public signature in violation of the fake Assignment to XXXX. Is void of see exh. C. Page 2. F.S. 695.26 ( 1 ) ( D ) ( E ). New Jersey notary stamp rules is the same as Florida rules, the New Jersey notary of XXXX looks totally different from the Fraudulent one on our Mortgage note, exh. P. and C. The State of New Jersey Notary stamp on our mortgage assignment is a COMEPLETLY MADE UP FRAUD! Exh. C. page 2. and is a punishable felony, s.775.082 775.083 or S.715.84. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! ILLEGAL FAKE NOTARY PUBLIC VOIDS OWNERSHIP ON MORTGAGE ASSIGNMENT Must have at least one witness. There is no with witness on our Mortgage Assignment in violation of, F.S. 117.05 ( b ) 1.a.b.c.d.e. see exh. C. page 2. the Assignment is void. The Notary on the Assignment is a fake. The Notary stamp must contain commission or ID number, to identify the person if needed to verify or in court, ( Our Mortgage Note for XXXX address has no commission or ID number to hide their thievery in violation of F.S. 117.05 ( 3 ) ( A ) and F.S. 695.26 ( 1 ). see exh. C. PAGE 2. The name of each person who executed such instrument is legibly printed, type written, or stamped upon such instrument immediately beneath the signature of such person and the post-office address of each such person is legibly printed, typewritten, or stamped upon such instrument in violation of F.S. 695.01 ( 1 ) AND F.S. 695.26 ( 1 ) ( a ) and F.S. 494. 0075 ( 5 ) and F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) exh. A. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg4 go to page 4 on XXXX to view all of the Exhibits for this Complaint. NEVER BEHIND ON PAYMENTS We were making payments to XXXX XXXX see : exh. S1 - S3, what was the XXXX XXXX Mortgage Note because the buyer XXXX XXXX from seller XXXX XXXX closing did not happen and then XXXX XXXX Transferred the Note to XXXX XXXX XXXX, exh. J. We made payments to XXXX XXXX XXXX exh. K1 - K5. We were making those payments far after XXXX XXXX filed the no Due Process of Services Notice Foreclosure h up until they got the Default Judgement against us we paid XXXX, exh. S1 - S3 then the new bank XXXX XXXX some how stop taking our on time Payments And refused to take payments from us after they secretly got a j. And now this new Bank who have harassed us, helped sink my boat in my back yard, XXXX # 10 A. and broke into my house and stole from us, see police report exh. Y. And now this Fraudulent XXXX XXXX is now Evicting us from the house exh. G. with the help of the Clerk of the Courts. See video of Clerks have allowed unsigned Notes like ours to be illegally recorded and then banks foreclose on u with no Note even if you are paying on time with the help of the judge who without seeing the Note that is Completely FRAUDULENT Blacked out signatures from the XXXX County Records Dept. WOW XXXX at the top of the web site # AA. and AB.. They must be stopped!!!! this EVICTION IS ILLEGAL AND I JUST REPORTED TO THE FTC TO PRESIDENT TRUMPS NEW BANK FRAUD TASK FORCE!!! SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! HISTORY OF THIS FRAUD AND HOW THEY DID IT! The property was quit claimed by owner XXXX XXXX over to XXXX XXXX, XXXX XXXX and to himself ( XXXX XXXX ) XX/XX/XXXX, exh. D1. We had a lease with an option to buy for XXXX a month, exh. E. All. before XXXX XXXX Fraudulently Recorded an unsigned blacked out Mortgage Note exh. A. And before the so called sale to XXXX XXXX, and XXXX XXXX, XXXX XXXX and XXXX XXXX quit claimed it over to XXXX XXXX and XXXX XXXX XX/XX/XXXX, exh. D2. Then XXXX XXXX quit claimed it solely to XXXX XXXX XX/XX/XXXX, exh. D3. .XXXX XXXX then Quit claimed it back to himself, XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, exh.D4. And XXXX XXXX, XXXX XXXX and XXXX XXXX quit claimed it to XXXX XXXX, exh. D5. lastly XXXX XXXX quit it to XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, .exh. D6. There was supposed to be a Sale Closing on the house but XXXX XXXX did not show up and XXXX XXXX did not show up because he quit Claimed the property before the so called closing date and could not be found. After arguing. XXXX XXXX and XXXX XXXX did not sign the Notes and the closing Docs, but somehow the title company or some one kept the money. The Proof of this is Attorney Title Insurance Fund ( ATIF ) sued XXXX XXXX XXXX XXXX who was supposed to do the closing on the house. ATIF Accused them of keeping the money from the closing that did not happen with XXXX XXXX, exh FI `- F6. WHICH WAS SOMEHOW RESOLVED between XXXX XXXX and Title Insurance Company, see exh. F1. & F2. On the same day of XXXX XXXX, XXXX, and a letter had came to tell us that they would not be accepting payments from us to our former bank and that it would be going to XXXX XXXX XXXX and we were making the payments to XXXX XXXX and then three months later XXXX XXXX filed a foreclosure against us that we didnt know they had filed which is no Due Process and then suddenly XXXX XXXX sent a payment money back to us and then told us that they would not be accepting payments from us anymore because they were foreclosing on us but we were paying XXXX and XXXX XXXX XXXX and we replied to them to prove their dept. exh. Z. We had no idea who XXXX XXXX was and that they were foreclosing on us, we found out Deutsche bank was assigned the note by MERS exh. H. and without Noticing the buyer as required by RESPA 12 U.S. CODE 2605 and According to F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) and also in the original fraudulent mortgage note PAGE 11 number 20 which states that the sale of the note or change of servicer the borrow must be given notice according to RESPA law 15 to 30 days Florida Statute XXXX got the Note from XXXX XXXX but XXXX never had a closing with XXXX XXXX. Notice requirement - The borrower must be giving 15-30 days notice before note is sold or assigned to another entity. ( RESPA Law 12 U.S. CODE 2605 ), F.S 701.02 ( 1 ) and also in the original fraudulent mortgage note PAGE 11 number 20 states that the sale of note or change of services the borrow must be given notice according to RESPA law which is 15 to 30 days. But the fraudulent Assignment was signed XXXX XXXX XXXX, exh. C. the same day as the fraudulent closing, written on the front page of the Mortgage Assignment, exh. C. which makes this Assignment void. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg5 THIS MORTGAGE NOTE IS FRAUD Fraud because in # 20 OF The mortgage Note it says in accordance with RESPA Disclosure after settlement law they must give buyer 15 days before selling the Note. But their saying they sold assigned Note the same day as settlement which voids out Assignment F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) .THE MORTGAGE NOTE HAS NO SIGNATURES WHICH IS ALSO CLERK FRAUD. F.S. 701.04 YOU MUST RECORD ASSIGNMENT WITH 60 DAYS, our Assignment was signed XXXX XXXX, XXXX but recorded XX/XX/XXXX = Void their is no address or Legal description on the Note. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! Law Enforcement must immediately take jurisdiction of this matter and enter and arrest them! And cancel the foreclosure Eviction and stop the ILLEGAL EVICTION and SET ASIDE TITLE! Respectfully submitted this XXXX day of XXXX, XXXX go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg6
Company Response: Closed with explanation

Timely Response

2019-09-05

Tustin, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-05

SD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: We were paying off our mortgages ( we had a 1st and 2nd mortgage ). The payment was sent and accepted on XX/XX/2019. Payment was posted to the 2nd mortgage on XX/XX/19, but for some reason the other funds were " misplaced '' at PHH Mortgage. We did not realize this until we received a call stating we were 15 days late on our mortgage payment. We explained that couldn't be as we paid it off before it was due. They politely said thank you and that was that. We thought it was a bit weird that we even got the call, as the transaction had happened two weeks prior. We decided to check online. That is when much to my dismay we discovered the loan had not been paid off. We called, and after several minutes of waiting finally got to talked to a customer service rep, XXXX, he kindly stated I am sorry, but we do not show the funds were received. He asked if we could send proof that it was sent. I in turn called my bank to get actual payment date info. I then called back and waited several more minutes before customer service rep XXXX came on the line. We explain when the bank sent the money and if she would check, she would see the other loan had been paid in full. Several things were needed so we asked if our bank could call and talk to them as we did not want to be the in-between person, they could fault for relaying something wrong. On XX/XX/XXXX our bank called PHH and also sent verification that the funds were sent and confirmation that the fund were received. But no result was returned. And no reply to the bank if the payment was ever found and applied to the loan, as XXXX XXXX XXXX ( intermediary bank ) had not received the funds back or any information from PHH regarding this. They sent in a service request and after a week. After several calls the wire was released back to our bank. The funds were received by our bank ( XXXX XXXX XXXX ) on XX/XX/2019. Our concern now was that is was coming up on 30 days past our payment date and our credit would be affected. Finally on XX/XX/19 we call PHH again, and asked for a supervisor. We wanted the rep to know they didn't do anything wrong, but really wanted to get something done and soon. After waiting we finally talked to a supervisor ( XXXX, who said he was XXXX ). Anyway we explained what was going on and time space we were looking at. He requested proof again, even though we stated it had already been sent. He gave us an escalation department number to have our bank call because they told them it would be up to ten business days to get a payoff. After our bank finally talked to them they agreed if payment was sent on XX/XX/19, they would be sure to post it right away, but they refused to backdate the interest to XX/XX/19. We were basically forced to pay an additional {$480.00} of interest. We don't think this is right. What did they do with the funds for a whole month? We have attached documents that were sent to PHH, along with a letter that we wrote to them as well. Thank you
Company Response: Closed with explanation

Timely Response

2019-09-04

Bear, DE

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-04

Marshallton, DE

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-04

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-09-04

Bridgeport, CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I was served Execution for Ejectment papers on about XX/XX/XXXX, the papers stated that the authorities would be at my house to move my belongings out on XX/XX/XXXX. I went to the Courthouse and filed for a motion to stay. At that time, the judge granted me the stay, after I explained I had applied for a mortgage modification. The judge then asked the attorney representing PHH Mortgage Services, roughly how long does it take to get a decision on the modification, the attorney said 15 to 45 days. It was at that point she granted my stay until XX/XX/XXXX. Since that time I have been going back and fourth between the attorney and the mortgage company trying to get a rescission on the completed foreclosure. PHH wont review the modification application, because it states that the foreclosure is completed. When I ask PHH to consider doing a rescission, I was told that I would have to contact the attorney for that to be considered. When I finally got in touch with attorney asked them to consider doing it, they said they would have to get those instructions from PHH.
Company Response: Closed with explanation

Timely Response