Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4578693
Complaint Overview
Complaint ID: 4578693
Company: Ocwen Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 33312
Date Received: 2021-07-27T12:00:00-05:00
Date Sent to Company: 2021-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I refinanced and PHH Mortgage purchased the loan. I placed myself on autopay, as I have done for every mortgage for the last 15 years. PHH asked me to mail in something to place me on autopay, which I did and my autopay started. PHH mistakenly removed me from autopay. I found out and made several calls, all to which they advised nobody was available to discuss this with me. On one call in the beginning of XXXX, they said there was nobody that could answer the phone at all and to try back another time. I have had nothing but trouble with PHH Mortgage. They did not disclose the problem with autopay until XXXX when they reported this to the credit bureaus and my scores dropped from the XXXX XXXX to the XXXX XXXX. I HAVE NOT RECEIVED A SINGLE LETTER FROM THEM OR I WOULD HAVE DEALT WITH THIS IMMEDIATELY. THEY WILL LE AND SAY THEY DID BUT WHY WOULD I BE DISHONEST? WHY WOULD I RUIN MY CREDIT IF I CAN ABSOLUTELY AFFORD TO PAY MY MORTGAGE??? I am about to lease a new car and sell this property and now I can only sell my property. I can not rent because of the credit score that PHH mistakenly reported was late. The mistake was on THEIR END. I have never made a late mortgage payment, ever. They even agreed to waive the late fees I already paid to bring my account up to date. This is clearly an admission of their mistake. They have still failed to advise the credit bureaus of THEIR mistake and this has impacted my life terribly. THIS EXACT SAME ISSUE OCCURRED IN XX/XX/XXXXWITH PHH!!!!!!!!! On XX/XX/XXXX, I called PHH AGAIN! at XXXX. I spoke to someone to explain the problem again and asked for the escalation manager. This was at XXXX XXXX. After holding for 9 minutes, someone came on the alone and said there was a bad connection and disconnected me!
Frequently Asked Questions
What is Complaint #4578693 about?
Complaint #4578693 was filed against Ocwen Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-07-27T12:00:00-05:00.
How did Ocwen Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ocwen Financial Corporation?
Yes, visit the Ocwen Financial Corporation company profile at readthecomplaint.com/company/ocwen-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.