Stop Ocwen & PHH Fraud
****NOTICE****
Past & Present Victims of Ocwen and PHH
Disclosure: This site is for informational purposes only, and shall not be construed as legal advice. For legal advice, contact an attorney. The owners of this website are individual consumers, located in the United States of America, who are exercising their right to freedom of speech and press, to expose and (hopefully) shutdown what we believe is a criminal enterprise. We are actively searching for competent and trustworthy attorneys and similarly situated victims to join our fight!
On April 24, 2024, a group of courageous and determined citizens ("Mass Tort Plaintiffs"), joined together and commenced a civil action in the United States District Court for the District of Columbia against Ocwen Financial Corporation ("OFC") and Ocwen Loan Servicing LLC ("OLS) (OFC and OLS are hereinafter collectively referred to as "Ocwen"), and PHH Mortgage Corporation ("PHH"), seeking injunctive and monetary relief against the defendants, for their continued engagement in unfair, deceptive, and unlawful practices pertaining to the servicing and foreclosure of residential mortgages, despite (and in violation of) existing consent judgments prohibiting said bad acts. In our complaint, we added as co-plaintiffs, the Consumer Financial Protection Bureau ("CFPB" or "the Bureau") and the District of Columbia ("D.C."), as required parties pursuant to the Federal Rules of Civil Procedure 19.
Each citizen named a plaintiff to our action, is seeking individual punitive damages for Count One and Count Two, for $1,000,000 per violation and $5,000,000 each occurence; an equal share of 25% of Count Five which is $5,000,000,000 in punitive damages; and other relief.
Federal & State Authorities Sue Ocwen & PHH, alleging unlawful servicing and foreclosure practices.
On December 19, 2013, the Consumer Financial Protection Bureau ("CFPB" or "the Bureau") and 49 State Attorneys General filed a civil complaint in the U.S. District Court for D.C., against Ocwen and its affiliate companies Litton Loan Servicing LP ("Litton Loan") and Homeward Residential, Inc. ("Homeward"). See Consumer Financial Protection Bureau, et al. v. Ocwen Financial Corporation, et al., (Civil Action No. 13-02025) ("Ocwen Complaint"). Similarly, on January 3, 2018, 49 State Attorneys General filed a civil complaint in the same court against PHH. State of Alabama, et al. v. PHH Mortgage Corporation, (Civil Action No. 18-00009) ("PHH Complaint").
In both of the foregoing actions, the State Attorneys General appeared on behalf of the citizens of their respective states, seeking relief against Ocwen and PHH, of which included, injunctive and monetary, for their engagement in unfair and deceptive servicing and foreclosure practices. The Ocwen Complaint set forth 17 "bad acts", while the PHH Complaint set forth "11", of which included:
*failing to timely and accurately apply payments made by certain borrowers and
*failing to maintain accurate account statements;
*charging unauthorized fees for default-related services;
*failing to properly process borrowers’ applications for loan modifications, including failing to account for and retain loss mitigation documents submitted by borrowers;
*preparing, executing, notarizing, and presenting false and misleading documents, filing false and misleading documents with courts and government agencies, or otherwise using false or misleading documents as part of the foreclosure process (including, but not limited to, affidavits, declarations, certifications, substitutions of trustees, and assignments); and
*preparing, executing, notarizing, and filing affidavits in foreclosure proceedings, whose affiants lacked personal knowledge of the assertions in the affidavits and did not review any information or documentation to verify the assertions in such affidavits. This practice of repeated false attestation of information in affidavits is popularly known as “robosigning.”
Ocwen & PHH Entered Consent Judgments, Promising to Cease Bad Acts.
On February 26, 2014 and May 10, 2018, Ocwen and PHH, respectively, entered consent judgments to settle the foregoing claims in civil actions wherein citizens of 49 States and the District of Columbia, were made parties by appearance of their respective State Attorneys General, and agreed: (i) to identify victims and remediate harm done; (ii) cease further engagement in the conduct subject of the civil actions; and (iii) that continued engagement in the conduct subject of the civil actions, would result in penalties of $1,000,000 per violation, and $5,000,000 each occurence.
See Ocwen Consent Judgment Documents
See PHH Consent Judgment Documents
-
A copy of the Ocwen complaint that the CFPB and state attorneys general filed
-
A copy of the Ocwen Consent Judgment entered on February 26, 2014
-
A copy of the exhibits to the Ocwen Consent Judgment: (Exhibit A, Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F)
-
A copy of the PHH complaint that the state attorneys general filed
-
A copy of the exhibits to the PHH Consent Judgment: (Exhibit A, Exhibit B, Exhibit C, Exhibit D)
Mass Tort Plaintiffs alleged continued bad acts by Ocwen & PHH Entered despite (and in violation of) the Ocwen and PHH Consent Judgments.
Mass Tort Plaintiffs, piggybacking off the Ocwen and PHH Complaints filed December 19, 2013 and January 3, 2018, set forth in their civil complaint filed in the same federal court on April 19, 2024, that despite the Ocwen and PHH Consent Judgments entered February 26, 2014 and May 10, 2018 (respectively), that Ocwen and PHH: (i) failed to identify the Mass Tort Plaintiffs as victims and remediate harm done; (ii) continued to engage in the conduct subject of the civil actions; and (iii) are in contempt of the Ocwen and PHH Consent Judgments upon failing to identify and remediate, and continued engagement in the conduct subject of the civil actions and consent judgments.
A FEW SPECIFIC EXAMPLES OF CONTINUED BAD ACTS
1. Continued Use and Trafficking of Forged/Falsely Notarized Documents in Foreclosure Proceedings, Created by the Criminally Implicated DocX, LLC, under the direction of the criminally convicted Lorraine Brown
On November 20, 2012 in United States District Court for the Middle District of Florida, Jacksonville Division, upon admitting her participation in creating more than 1,000,000 forged and falsely notarized instruments as an executive for DocX, LLC ("DocX"), that were recorded in land records and submitted in foreclosure proceedings. See United States of America v. Lorraine Brown (Case No. 3:12-cr-198-J-25MLR). See also the November 12, 2013 press release by the U.S. Department of Justice ("Over 1 Million Documents Prepared and Filed with Forged and False Signatures, Fraudulent Notarizations").
The same DocX, was subject to an investigation and report by the nationally syndicated television show "60 Minutes" in 2010.
Hence, as detailed in our civil complaint filed on April 19, 2024, Ocwen and PHH have (and continue) to use forged/falsely notarized documents created by DocX, after (and despite) the 2012 criminal plea agreement of Lorraine Brown, and despite the Ocwen and PHH Consent Judgment prohibiting such bad acts.
Images from Exhibit C3 attached to our civil complaint, displaying for four out of 1,000,000+ forged/falsely notarized instruments created by the criminally implicated DocX, under the direction and supervision of the criminally convicted Lorraine Brown, used by Ocwen/PHH to unlawfully seize real property of one Mass Tort Plaintiff in 2020 and two similarly situated consumers/citizens in New Jersey around the same time period; and Ocwen/PHH are presently attempting to seize real property in 2024 owned by another Mass Tort Plaintiff: