Breaking Dossier
Borrower Advocacy Intake
Story after story. File after file. Borrowers still reporting harm.
Public records show years of enforcement actions, court cases, and ongoing litigation tied to Ocwen/PHH servicing conduct.
We are collecting fresh victim reports now, especially heir and successor cases with assumption, credit-reporting, assignment,
note-chain, and MERS/MIN problems.
Date check: On February 4, 2025, the Eleventh Circuit held Ocwen violated the FDCPA in
Glover v. Ocwen over convenience fees. On December 10, 2025, additional PHH/Ocwen litigation was filed in federal court in Rhode Island.
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AI Mortgage Discovery Bot posts new Ocwen/PHH/Onity record hits below in reverse time order.
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Notice to Onity Leadership
As of this posting, Onity's investor relations management page lists Glen A. Messina as
Chair, President, and CEO. This site is a live intake channel where affected borrowers and heirs can submit contact details,
document issues, and request case review.
If you are with Onity/Ocwen/PHH and want to resolve specific case files, use
intake@victimsofocwen.com with the subject line
"Leadership Response".
Mike A's Story (Allegations)
Mike A is an heir and reports that he was subjected to fraudulent and abusive conduct tied to
Ocwen/PHH loan servicing while attempting to address inherited property obligations tied to his late father's loan.
His account includes two core allegations:
- An unexecuted mortgage modification that was presented as active or relied upon but never fully and validly completed.
- A mortgage registration/recording chain that was never fully completed with the county, creating uncertainty about title records and authority.
Mike A also alleges that these failures contributed to compounding financial harm, prolonged uncertainty, and loss-mitigation barriers.
We are seeking other borrowers with similar documentation patterns.
This section states allegations provided by Mike A and has not been adjudicated as fact by a court in this posting.
Case File Board: This Did Not Stop in 2017
Court Ruling | February 4, 2025 | Eleventh Circuit
In Glover v. Ocwen, the Eleventh Circuit affirmed judgment against Ocwen and held it violated the FDCPA by charging certain
convenience fees not expressly authorized by the debt agreement or permitted by law.
Pending Allegations | Filed May 12, 2025 | M.D. Florida
Shekar v. PHH Mortgage Corp. et al. names PHH/Ocwen/Onity-related defendants. The docket reflects ongoing proceedings.
Allegations are not findings.
Pending Allegations | Filed December 10, 2025 | D. Rhode Island
McCusker v. PHH Mortgage Corp. et al. includes Ocwen/PHH defendants, with a corporate disclosure identifying Onity Group as parent.
Allegations are not findings.
Company Disclosure | 2025 SEC Filing
Onity's Form 10-Q states it is currently a defendant in various matters alleging improper fees, loan-modification and loan-assumption
issues, payment-processing issues, and other servicing-related violations.
Status key: "Court ruling" = adjudicated outcome. "Pending allegations" = claims filed in court and contested. We separate allegations from proven findings on purpose.
2026 Ongoing Tracker: They Are Still in Court
As of February 12, 2026, public dockets and SEC filings show continuing PHH/Ocwen/Onity-linked mortgage litigation activity.
January 8, 2026 | E.D.N.Y. Filing
PHH Mortgage Corp. v. Walker, Sr. was filed with exhibits including note, mortgage, assignment, and modification documents.
Corporate disclosure identifies Onity Group in the parent chain.
January 30, 2026 | E.D.N.Y. Filing
PHH Mortgage Corp. v. Phillip was filed with assignment and loan-modification exhibits.
This intake project treats repeated assignment/modification disputes as a red-flag pattern to investigate.
January 26, 2026 | S.D. Texas Order
In Anderson v. PHH Mortgage et al., the court granted a partial motion to dismiss certain Texas Property Code claims.
Remaining claims continue under the case docket.
Q3 2025 SEC 10-Q Disclosure
Onity reported ongoing legal and regulatory accruals and described active litigation risk tied to mortgage servicing operations.
October 31, 2025 8-K Disclosure
Onity disclosed non-renewal by a major client representing a material portion of delinquent subserviced loans.
Not a misconduct finding, but relevant context for operational pressure.
"Still doing it" on this site means: allegations and servicing disputes continue to be filed and litigated in recent years.
It does not mean every allegation is proven.
Litigation Treasure Chest: Securities & Debt Dossier
We built a dedicated filing-by-filing dossier for counsel and investigators, including debt rounds, refinancing pressure,
legal/regulatory disclosures, executive compensation, and a source-linked critique of each major SEC filing.
It is organized as a vulnerabilities map: debt stack stress, disclosure pressure points, litigation exposure categories,
and officer compensation context in one structured research file.
Open SEC Dossier
Key Alleged Servicing Errors in Mike A's Case
- Ocwen/PHH allegedly added a balloon rider / balloon-payment structure tied to a modification that Mike says was never properly executed.
- The mortgage debt originated in Mike's father's name, but Mike alleges the account was placed on Mike's personal credit report for years.
- Mike alleges he never signed an assumption agreement, yet reporting and collection treatment treated him as personally liable.
- Mike alleges this conduct deprived him of successor protections and materially damaged his credit profile and borrowing options.
Why this matters for heirs
Under federal servicing rules, a confirmed successor in interest is generally treated as a borrower for servicing protections
without being forced to assume personal loan liability as a condition of receiving those protections. If credit furnishing
is inaccurate, federal credit reporting law requires correction and investigation after dispute.
This is advocacy information, not legal advice. Individual rights and liability depend on state law, loan documents, and case facts.
Alternative 2: "Pandora's Box" (Proposed Escalation Scenario)
The following timeline is Mike A's advocacy scenario describing what could happen if his settlement request is not resolved.
It is presented as a proposed strategy and projection, not as an established fact.
- Friday, February 13, 2026 (planned): draft settlement demand target date ($276,000 plus loan cancellation).
- Friday, February 13, 2026 (planned): potential credit bureau disputes alleging no signed assumption, no executed modification, and note/document defects.
- Friday, February 13, 2026 (planned): victim intake campaign launch with heir-focused evidence collection.
- Friday, February 13, 2026 (planned): public-record scanning begins in Paterson/Passaic and expands to other New Jersey counties.
- After Friday, February 13, 2026: coordinated complaints, media outreach, and multi-plaintiff litigation prep if pattern evidence is confirmed.
Mike's stated resolution path is straightforward: lien release, credit correction, and negotiated settlement before broad escalation.
Posted timeline context: today is February 12, 2026. Mike A reports that outreach to Onity leadership has
not yet been sent as of this date; proposed launch/escalation dates above are aligned to Friday, February 13, 2026.
Public Record Timeline: Ocwen/PHH
December 19, 2013
CFPB and state authorities announced an order requiring Ocwen to provide up to $2 billion in principal reduction,
$125 million in refunds, and servicing standards reforms.
December 22, 2014
NYDFS consent order period established borrower payment frameworks tied to New York foreclosure activity and compliance oversight.
March 27, 2017
NYDFS entered another consent order referencing ongoing corrective measures and operations oversight after the 2014 order.
April 20, 2017
CFPB sued Ocwen, alleging widespread servicing failures. Florida filed a similar action the same day.
October 4, 2018
Ocwen completed its acquisition of PHH Corporation.
October 15, 2020
Florida announced a consent judgment and more than $11 million in relief tied to alleged improper servicing practices.
June 10, 2024
Ocwen Financial rebranded as Onity Group. Borrowers may still see legacy references to Ocwen and PHH.
February 4, 2025
Eleventh Circuit published Glover v. Ocwen, affirming FDCPA liability related to convenience-fee collection practices.
2025-2026
New PHH/Ocwen-linked mortgage cases continued to be filed in federal court. This intake project treats those filings as active warning signals.
Could You Be a Class Victim?
You may have a similar claim pattern if one or more of these happened:
- Modification approved in communications but never fully executed in final signed documents.
- Conflicting payment demands after trial/permanent modification steps.
- Force-placed insurance, unexplained fees, or unexplained escrow handling errors.
- Foreclosure activity while loss-mitigation paperwork was active.
- County records missing key assignment/release/modification filings needed for complete chain clarity.
- You are an heir or estate representative and servicing records did not align with ownership or succession records.
- You were reported to credit bureaus as personally liable despite no signed assumption agreement.
- A balloon rider/payment term appeared in modification records that you never validly executed.
Documents that help us evaluate your case
- Mortgage, note, assignments, and any allonges.
- Modification packets, trial plans, and signature pages.
- Monthly statements and escrow analyses.
- Default/acceleration letters and foreclosure notices.
- County recorder screenshots or certified record copies.
Research Sources
- CFPB (Dec. 19, 2013): $2B relief / $125M refunds order
- CFPB (Apr. 20, 2017): lawsuit alleging system-wide servicing failures
- CFPB enforcement action page (case procedural updates)
- Florida AG & OFR complaint against Ocwen (Apr. 20, 2017)
- Florida AG release (Oct. 15, 2020): over $11M relief
- NYDFS Consent Order (Mar. 27, 2017)
- NYDFS/Ocwen payment administrator page (2014 consent order borrower payments context)
- SEC 8-K (Oct. 4, 2018): Ocwen completion of PHH acquisition
- SEC exhibit (Feb. 27, 2018): PHH merger announcement
- Onity/Ocwen release (May 28, 2024): approved rebrand timeline
- Onity management page (Glen A. Messina role listing)
- Eleventh Circuit opinion (Feb. 4, 2025): Glover v. Ocwen (FDCPA convenience-fee ruling)
- Onity Form 10-Q (Mar. 31, 2025): ongoing litigation disclosures including modification/assumption claims
- Shekar v. PHH Mortgage Corp. et al. (Filed May 12, 2025, M.D. Florida) docket
- McCusker v. PHH Mortgage Corp. et al. (Filed Dec. 10, 2025, D. Rhode Island) docket
- PHH Mortgage Corp. v. Walker, Sr. et al. (Filed Jan. 8, 2026, E.D.N.Y.) docket
- PHH Mortgage Corp. v. Phillip et al. (Filed Jan. 30, 2026, E.D.N.Y.) docket
- Anderson v. PHH Mortgage et al. (Jan. 26, 2026 order, S.D. Texas)
- Onity Form 10-Q (Period ended Sept. 30, 2025): legal/regulatory accrual and litigation risk disclosures
- Onity Form 8-K (Oct. 31, 2025): major subservicing non-renewal disclosure
- Onity Form 8-K (Nov. 17, 2025): reverse servicing asset sale by PHH
- Passaic County Clerk Land Records (Paterson, NJ access point)
- MERS ServicerID borrower lookup
- MERS System Procedures Manual (MIN structure)
- CFPB Reg X §1024.30(d): confirmed successor in interest treated as borrower for servicing protections
- CFPB Reg X §1024.31: successor in interest definitions (including transfer due to borrower death)
- CFPB Reg Z §1026.2 commentary on successor-in-interest treatment
- 12 U.S.C. §1701j-3(d): due-on-sale exemptions for specified inheritance transfers
- 15 U.S.C. §1681s-2: furnisher duties to provide accurate credit information and investigate disputes