Debt collection -- False statements or representation -- Complaint #4778636
Complaint Overview
Complaint ID: 4778636
Company: Ocwen Financial Corporation
Product: Debt collection
Sub-Product: Mortgage debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: XXXXX
Date Received: 2021-10-04T12:00:00-05:00
Date Sent to Company: 2021-10-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/XXXX I sent a Cease and Desist Letter to PHH-XXXX XXXX XXXX time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The New Jersey Sheriff in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with GMAC Mortgage sold to Ocwen loan Services around XXXX or XXXX XXXX Sold to PHH Mortgage a of Ocwen XXXXPHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} XXXXAlso sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.
Frequently Asked Questions
What is Complaint #4778636 about?
Complaint #4778636 was filed against Ocwen Financial Corporation regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-10-04T12:00:00-05:00.
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 (Debt collection) 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.