Date Received: 2018-09-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I recently submitted a complaint to CFPB on XX/XX/XXXX since I was given a loan modification by Ocwen Loan Servicing Company ( Complaint No. XXXX ). Therefore, since I was granted a loan modification and accepted the Streamline Trial Period Modification I was reassured once again by the Relationship Manager XXXX XXXX XXXX that the foreclosure case would not proceed. Please keep in mind that this foreclosure action was dismissed in XX/XX/XXXX and signed by the XXXX Supreme Court Judge XXXX XXXX on XX/XX/XXXX ( Index No. XXXX ). However, on XX/XX/XXXX the attorneys for XXXX XXXX XXXX and XXXX did not remove their motion to restore this foreclosure case even though a Consumer Financial Protection Bureau XXXX HOLD '' applies to this action. The attorneys for Ocwen wrote a letter to The Honorable XXXX XXXX of XXXX Supreme Court on XX/XX/2018 informing him of the CFPB " HOLD '' applies on this case, and it was XXXX -filed on XX/XX/2018. I Quote the letter by Attorney XXXX XXXX " We have been advised by Plaintiff, through its servicer, that an active Consumer Financial Protection Bureau ( hereinafter " CFPB " ) hold applies to the Action based on loss mitigation activity. The subject hold takes into consideration any appeals, as stated in 12 CFR Section 1024, which may be taken by the borrower. '' " In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time it prepares to foreclose on the subject property. See 12 CFR Section 1024. '' " Accordingly, Plaintiff respectfully requests that the pending motion practice is held in abeyance while the matter remains on a CFPB hold. We thank the Court for its time and understanding '' ( END QUOTE ). When I spoke to Miss XXXX my relationship manager at Ocwen today XX/XX/XXXX she told me that their was a foreclose hold on this case, but when she emailed me today she stated that there was a foreclosure sale hold on my case. Please keep in mind that this action was dismissed and not restored, and there is currently a motion pending to restore this case. However, since I accepted a Streamline Trial Period Modification their motion to restore must be removed, immediately. Ocwen is violating RESPA Regulation X. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Re : loan # XXXX To Whom it May Concern : I am writing this letter to request a mortgage modification that will allow me to continue to make my mortgage payments and stay in my home of 11 years. Asking for a STOP of the foreclosure sale scheduled for XX/XX/XXXX. I had fallen behind due to decreased income in XX/XX/XXXX and my loan modification was denied due to missing documents XX/XX/XXXX. I have boxes of letters from OCWEN however, I have never received any actual help with a loan modification approval. I have never borrowed money against my home. I have a Flex Pay loan/Neg Amortization Loan on my first and a closed end 2nd. I have a 80 % first, 10 % second, and I put down the remaining 10 % for the purchase of my home. I Have never borrowed against my home. I have never been able to refinance my home. I have never been modified even though I was part of the " Hardest Hit California '' Group of homeowners. Most of which have since lost their home to either Foreclosure, or Shortsale. 5 of my neighbors lost their home. My dad didn't have a copy of his retirement pension, which is why we were denied. He only had the bank statements showing his social security and government pension going into his bank account, which I had provided. Unfortunately, at the time was not sufficient enough for the underwriter. Although, I was doing better financially, I personally had exhaused all my retirement and savings trying to save my home. The loan then was transferred to OCWEN from XXXX. All the paperwork was lost. When I called OCWEN, they said that they never received it from XXXX. I was unable to reinstate or modify I had fallen further behind. My dad, who was living with me and a contributor at the time, said to call the bank to see if he could help me to reinstate. He was willing to use all his savings. I was told by representative XXXX lD # XXXX on XX/XX/XXXX at XXXX Pacific time, that the payoff the total amount due to reinstate was {$33.00}, XXXX. I told her I wanted to include my XX/XX/XXXX` payment of {$2200.00}. She said go ahead and make the wire for {$35.00}, XXXX instead of {$33.00}, XXXX and that will take care of your XX/XX/XXXX payment. She confirmed that my next payment due date was XX/XX/XXXX for {$2200.00}. On XX/XX/XXXX, my dad wired {$35000.00} to OCWEN. That was the amount that was given to m by OCWEN, see attachment of the Reinstatement Quote. I have a confirmation of the wire sent and received by OCWEN. See attachments. However, the funds were misapplied and caused me to go into default again. On XX/XX/XXXX, I spoke with XXXX 1D # XXXX to verify that my next payment would be due XX/XX/XXXX for {$2200.00}. I received a confirmation on XX/XX/XXXX confirming the payment for {$35.00}, XXXX had been received. I called OCWEN on XX/XX/XXXX, to make my payment for XX/XX/XXXX. I spoke with XXXX # XXXX, I spoke with ID # XXXX XXXX, at XXXX XXXX. I spoke with lD # XXXX, XXXX # XXXX, she said that the wire had not been applied to the computer system and it was not allowing her to accept my payment. She said she saw the wire had been received, however the computer did not allow her to make the payment. It was still showing 1 was in default. I begged her to escalate the call. She transferred me to XXXX ID #, Escalated Relationships Manager. She said she the system would not allow her to take my payment either. So, I left many messages for the Ombudsman to try to get help. Unfortunately, we never were able to connect. I sent him an email letter stating my urgent situation. I then received a Notice of Default, before they reinstated the money dad had wired to OCWEN. The bottom line, the payments were applied incorrectly on XX/XX/XXXX. I continued to reach out for help. Unfortunately, it appeared no one knew how apply the wired funds correctly to remedy the situation. Please see attachment of Mortgage interest statement. This was all I received with no explanation as to what exactly happened and I was never reinstated with the opportunity to just make my payment of {$2200.00}. Therefore, It was never remedied for me, the mistake caused me to go back into default and behind yet once again on my payments. I also lost my best friend last year, my dad. He lived with me for 7 years, and XXXX took over his body. He had prayed he would see OCWEN modify our home loan before he passed XX/XX/XXXX. I miss him dearly. I was given no other choice but to file a BKXXXX in XX/XX/XXXX. I had submitted timely payments to both the Trustee and to Ocwen for my mortgage for 12 months, from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the court granted debtors application for order confirming that loan modification discussion would not violate the stay. However, even after my attorney mailed it to OCWEN, I was unable to have anyone acknowledge that it had been received. Unfortunately, I then received notice that my loan had recast, my payment went from {$2400.00} to XXXX, XXXX causing me severe hardship once again. I do not have an attorney representing me for a modification. I have authorized a 3rd party, on my behalf, XXXX XXXX, HUD representative. And here we are. I have much more, however, I wasn't sure how much your system would take in. Thank you again for all your help. Please let me know what else you need. Thank you
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On XX/XX/XXXX I received a phone call from a toll free # XXXX, the person on the phone stated she was a process server and was calling in advance to let me know she would be serving me a summons she was informing me in advance to give me the chance to call the Plaintiff XXXX XXXX, before the lawsuit would be filed. I shared no information with this person and call the XXXX number the phone did not ring and went straight to music on hold, I held on for ten minutes. A person who would not identify herself answered and told me she would look up my file, she asked for my name and I told her XXXX XXXX. She placed me on a hold and when she returned she asked me if my ss ended in XXXX. I said how do you have my information? She started it was from a XXXX back account NSF fees of XXXX from XXXX. I explained that I do not have NSF fees of XXXX since XXXX XXXX bought out XXXX it looks like this is a scam, she then threatened me with a civil lawsuit and would proceed to garnish my wages. I told her I will file a complaint today with cfpb and insure that this scam ends today. I also called XXXX XXXX bank to confirm that this is a scam and as I thought XXXX XXXX has no NSF fees on file on my bank account that I have maintained in good standing since. Please prosecute these thieves who are impersonating lawyers and government offficials and threatening consumers with erroneous civil lawsuits.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am the personal representative for my deceased cousin, XXXX XXXX XXXX. My cousin passed away just over a year ago, XX/XX/XXXX. I was not provided with the Letters of Personal Representative until this XX/XX/XXXX. At that time, XX/XX/XXXX, I started visiting his banks and closing accounts. After closing his main checking account, and after providing evidence of his death, I was notified by TIAA-CREF that all automatic payments into the account from his retirement annuity must be repaid back to them. This seemed to make sense, but using that same reason, it also seemed fair to assume that all payments made from that account, using the money that was deposited to that account by TIAA-CREF should then also be returned to the account, or now, the estate, since the account is now closed. We contacted all those who received money from the TIAA-CREF deposits, and for the most part all have repaid that money to the estate, except OCWEN. OCWEN has failed to pay back {$9100.00} of the money they automatically withdrew from that account. XXXX XXXX for their part in this provided contact information to most of the parties that received automatic payments from the account. We had to contact each of those individually, some of which were XXXX XXXX branches, but they seem to have all paid back the money that was withdrawn from the account, except Ocwen. Ocwen, who received all proceeds from the sale of the house, states that the payments from the checking account were part of the sale of the house. We feel that Ocwen should have know of any laws concerning automatic payments from the checking account of a person deceased, and should have known they would have to return those funds. The house had lost value and was not able to be sold for the amount owed on the mortgage to Ocwen. A short sale was agreed to and when the house sold, all money went to Ocwen.
Company Response:
State: NE
Zip: 68516
Submitted Via: Web
Date Sent: 2018-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The CFPB incorrectly closed # XXXX. Ocwen 's response did not include any answers to the questions I asked : 1. The Current Total Amount Suspended, which may represent the HO monies, does not appear on any billing statement. True? 2. The billing statement dated XX/XX/XXXX shows a payment due for XXXX of {$1700.00} ( Exhibit 1 ). This amount was received by OLS on XX/XX/XXXX. True? 3. The billing statement dated XX/XX/XXXX shows the payment received on XX/XX/XXXX was applied to escrow on XX/XX/XXXX, ( Exhibit 2 ). The on-line transaction log, however, shows this payment applied to suspense ( Exhibit 3 ). True? 4. How can a single transaction be classified differently on the statement than on the transaction log? Please explain. 5. The XX/XX/XXXX statement shows that {$1900.00} was due ( Exhibit 2 ). The escrow amount on this statement was incorrect. True? 6. The prior months statement dated XX/XX/XXXX ( Exhibit 1 ) states escrow as {$600.00} instead of {$790.00} ( Exhibit 3 ). The following month dated XX/XX/XXXX, shows an escrow fee of {$760.00} ( Exhibit 4 ). True? 3 different amounts for escrow in 3 consecutive months. True? 7. On XX/XX/XXXX I contacted an Ombudsperson at OLS in XXXX, Iowa. I did not record their name. Before the call, I had researched that {$1700.00} had been applied to suspense ( i.e. unapplied funds ). I asked, and the Ombudsperson agreed, the {$1700.00} in the suspense account could be applied as payment for XXXX ( Exhibit 5 ). I can not understand the entries dated XX/XX/XXXX on this statement. It appears these entries were not treated as a payment by OLS. They should have been. True? Please explain the XX/XX/XXXX entries. 8. Beginning with XXXX billing statement dated XX/XX/XXXX, the billing date was moved from the first of the month to the middle of the month ( Exhibit 5 ). True? Why? 9. For 6 years my billing statements have been at the beginning of the month instead of midmonth. True? 10. I was not notified of this billing date change. True? 11. The billing date change had the effect of reducing the grace period and creating late fees ( assuming I continue to pay on the XX/XX/XXXX of the month which I always have and still do ). True? 12. On XX/XX/XXXX, Ms. XXXX XXXX, OLS Ombudsperson in XXXX, Iowa called me. She had responded to the complaint I filed with CFPB and the BBB. I was able to set a date & time when we would talk. Among many questions, I asked her to explain the transactions applied on XX/XX/XXXX. I dont think she knew. During our conversation, I discovered that Suspense on transactions was the same as Unapplied funds on the statement. It is very concerning that the first transaction date applied on XX/XX/XXXX ( as suspense ) was a transaction already posted on XX/XX/XXXX ( as escrow ). True? 13. Review the statement dated XX/XX/XXXX ( Exhibit 6 ). It states {$1800.00} is past due ( XXXX ) and {$1800.00} is due for XXXX plus a late fee of {$25.00} totaling {$3700.00}. During the call with Ms. XXXX I asked her if the account was current as of XX/XX/XXXX. Ms. XXXX said yes. Then why the late fee? Please explain. 14. Please refer to Exhibit 7. It shows that my account should be current. True? 15. I received a notice of Your Mortgage Payment is Past Due, on XXXX XXXX ( Exhibit 8 ). The second line 1 states Please pay the CURRENT AMOUNT DUE IMMEDIATELY OF {$1800.00} by any of the methods mentioned on page 2. The mortgage payment for XX/XX/XXXX was made on XX/XX/XXXX. This notice conflicts with Exhibit 6 and what the I was told by Ms. XXXX. True? Over the last 6 years, OLS has incorrectly notified credit agencies of delinquencies many times. I have diligently attempted to maintain the new modified mortgage current. It was signed in XX/XX/XXXX. The inconsistencies on OLS billing statements over the past 11 months, as listed above, requires a significant time commitment by me to know what is properly due each month. I have spent more than 80 hours on Dispute 5. I believe I am current. I am, however, being charged late fees. I do not want OLS to continue to service my account. OLSs accounting system and statements can not be trusted. OLS requires an excessive amount of my time and we still cant agree on the status of my loan. Effectively I have been trapped, against my will, between OLS and the credit agencies. I want OLS to remove the misleading information forwarded to credit agencies over XXXX and XXXX. I want to refinance with another firm. Respectfully, XXXX XXXX XXXX | XXXX | XXXX CC : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Kansas Attorney General Ms. XXXX, Ombudsperson, XXXX XXXX, Kansas Senator Ocwen Loan Services XXXX XXXX, Kansas Senator XXXX XXXX, Kansas 3rd District House Representative XXXX XXXX
Company Response:
State: KS
Zip: 66216
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: LOAN # XXXX Too whom this concern : cfpb My name is XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Fl.XXXX On XX/XX/XXXX I went down to the XXXX XXXX Tax Collector Office to pay my XXXX and XXXX property taxes. I was told that I can only pay the XXXX property taxes. XXXX XXXX XXXX had already paid the XXXX property taxes on XX/XX/XXXX. I call XXXX XXXX XXXX and ask them where they want me to send the money for XXXX property taxes. One of XXXX XXXX XXXX represented told me I did not have to pay the XXXX back taxes in one lump sum. If I would let them start an escrow account for taxes and insurance. I said no what if I let you escrow my property taxes only not my insurance. XXXX XXXX XXXX represented said yes we can do that. I said what the best deal you can give me. Loan Servicing represented said we already paid the XXXXand let us pay XXXX that will keep about {$14000.00} in your pocket. I said the problem with that I already paid my XXXX property tax. XXXX XXXX XXXX represented said what if we pay your XXXX property tax when it is due in XX/XX/XXXX. And we will call it your escrow shortage. I said the problem with that is you are going to try to collect over period of 12 month. XXXX XXXX XXXX represented said no let me see what can do. XXXX XXXX XXXX represented said ok the escrow shortage balance is {$14000.00} that will be collected over 60 months you will be paying {$230.00} a month plus the {$570.00} for your current property taxes. I said the only problem I have now if a new servicing company takes over can they try to collect the escrow shortage over period of 12 month. XXXX XXXX XXXX represented said no the new servicing company can not change the agreement between you and the prior servicing company. They have to honor servicing company prior agreement. Look at ( exhibit A ). XXXX XXXX XXXX and Ocwen are partner look at ( exhibit B ). One of Ocwen Settlement with ( cfpb ) failing to honor in-process loan agreed by prior servicers. Look at ( exhibit C ). ( THIS IS MY TRUE STORY ) XXXX XXXX XXXX interest rate was 8.25 % now once I enter into agreement with XXXX XXXX XXXX they then transfer Servicing to Ocwen their partner XXXX will tell me to send whatever proof I have of our agreement to the retention department in XXXX XXXX XXXX Fl. After 90 days of researching they then can file a foreclosure against me wish they can force me into an in house mod with an interest rate of 8.21 % after 4 years trying to send proof to Ocwen research department. They got the proof in XXXX. Ocwen represented then ask me why didnt i give them the proof before the mod took place in XXXX. I told Ocwen represented I did he said let me check. Ocwen represented said they have no record of me sending them anything at all in XXXX look at XXXX exhibit D ). I sent it by certified mail to Ocwen research department they sign it twice to in XXXX XXXX Florida Need I say more? Look at ( exhibit D ). Read the email from the Ocwen Attorney it did not took 4 year to give me an answer. Look at ( exhibit E ). This is my question to the Ocwen lawyer by email read ( section 1 ) after reviewing same ( exhibit A ) paper work that I fax and mail countless time to Ocwen Research Department in XXXX XXXX XXXX, Fl. After I received my Annual Escrow Account Disclosure from Ocwen Dated XX/XX/XXXX.Look at ( exhibit F ). This is the respond from Ocwen Attorney to my email. Look at ( section 2 ) telling me in so many words that our agreement with XXXX XXXX XXXX was I had 60 months to pay back on my escrow account not 12 month. When a bank starts an escrow account they escrow the taxes and insurance. Let Ocwen explain why in XXXX their where no escrow account for taxes or insurance until Ocwen force me into an in modification from an 8.25 % to an 8.21 % interest rate. One of Ocwen Settlement with ( cfpb ) failing to honor in-process loan agreed by prior servicers. Why are Ocwen still doing this? THIS IS WHAT OCWEN ARE DOING TO ME NOW. 1. Ocwen failing to honor in-process loan agreed by prior servicers. 2. Charging improper fees and hidden fees of a lock box. 3. Never credit me back {$6000.00} for place flood insurance. 4. Why are Ocwen still doing this? XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was completed as of XX/XX/XXXX. However, on XX/XX/XXXX, a decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then, that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. Moreover, they stated that they also sent in a XXXX XXXX and XXXX XXXX Flex Modification application for us. We did some research on XXXX XXXX and XXXX XXXX Flex Modification and these are two of the links that we researched for information about it : XXXX XXXX XXXX XXXX XXXX XXXX Therefore, we have the understanding that we may be able to get the help we need from this modification, so that we wont go into foreclosure. Ocwen kept the appeal from XX/XX/XXXX until XX/XX/XXXX to send us another denial letter, which we received yesterday XX/XX/XXXX. In fact, this is the fourth time they denied us for a modification in one year. For example, XXXX applied for us and it was denied, Florida Hardest Hit applied for us and it was denied an this is XXXX and XXXX XXXX second time and it too was denied. As seniors, with a meager total combined income from Social Security of {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1700.00} or even more each month for mortgage payments, keep up with other bills and to survive? At this time, we are not willing to accept any of the options Ocwen is offering such as : short sale or deed-in-lieu because we want to remain in our home which took my husband ten years to build up with his own hands.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear CFPB, Your CFPB Portal is proof of my over 12 complaints against several entities including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ocwen Loan Servicing and XXXX XXXX, XXXX over the last five years. These entities are unknown to me. All these entities have conspired to commit fraud by forging, falsifying and fabricating documents and instruments and recording them at the XXXX XXXX County Recorders office. I want to report that another fraudulent Notice of Default Instrument # XXXX has been recorded by XXXX XXXX, XXXX at our XXXX XXXX County Recorders Office on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected foreclosure sale date schedule for XX/XX/XXXX. OCWEN LOAN SERVICING, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX have committed IDENTITY THEFT by using my name, social security, private and personal information to create account # XXXX without my consent and authorization, in clear violations of my consumer protection rights under FDCPA, FTC, FCRA, TILA, RESPA and CA XXXX. There are no signed agreements, No contracts No business relationships between myself and these entities. No Disclosure, No Consideration, No Lawful Terms & Conditions, No Signatures of both the parties in interest. NADA. NOTHING. Per the CFPB OCWEN Consent Order Agreement Settlement Term Sheet provision on page A-1 Section 1, Foreclosure and Bankruptcy Information and Documentation : " Servicer shall ensure that affidavits, sworn statements and declarations are based on personal knowledge, which may be based on the affiant 's review of Servicer 's books and records, in accordance with the evidentiary requirements of applicable state and federal laws. '' In XXXX the XXXX County Civil Grand Jury paid for the " Integrity of Land Records in XXXX County '' audit conducted by XXXX XXXX, Certified Mortgage Fraud Forensic Analyst. COPY OF AUDIT ENCLOSED FOR YOUR REFERENCE " EXHIBIT A ''. XXXX XXXX 's preliminary findings identified the following : You have robo-signers galore ; fraudulent assignments ; unauthorized substitutions of trustee ; MERS fraud ; and a host of violations of California statutes. XXXX, XXXX. Letter to XXXX. XXXX XX/XX/XXXX. TS. In her expert opinion : Innumerable negative externalities result from this errant behavior, e.g., due process violations ; wrongful foreclosure ; wrongful displacement and homelessness ; clouded and unmarketable titles ; uncertainty in real estate transactions ; devaluation in property values ; erosion of the tax base ; social unrest ; undue burdens on social services and welfare programs ; increased crime ; vacancies ; neighborhood blight, etc. the price of which is paid at the local level. XXXX, XXXX. Letter to XXXX. XX/XX/XXXX. TS. ENCLOSED FOR YOUR REFERENCE " EXHIBIT B '' you will find the fabricated, forged, robosigned, and falsely notarized, Assignments executed by XXXX XXXX XXXX XXXX, and unlawfully recorded in violation of California Law. The Substitution of Trustee, executed by XXXX XXXX XXXX on XX/XX/XXXX as Vice President for XXXX XXXX XXXX, and Notarized by XXXX XXXX XXXX on XX/XX/XXXX and recorded at XXXX XXXX County Records on XX/XX/XXXX. Assignment of Deed of Trust, also executed by XXXX XXXX XXXX, as Vice President for XXXX, XXXX on XX/XX/XXXX and recorded at XXXX XXXX XXXX XXXX on XX/XX/XXXX. ENCLOSED FOR YOUR REFERENCE " EXHIBIT C '' Please reference to full deposition of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX vs XXXX XXXX XXXX, Case # XXXX CA, XXXX Judicial Circuit, acknowledged and confirmed robosigner. I hope that with the new Executive Order XXXX " The Establishment of the Task Force on Market Integrity and Consumer Fraud '' signed by President Trump on XX/XX/XXXX the Department of Justice, SEC, HUD, FTC, California Attorney General, California Department of Business Oversight and our local District Attorney and XXXX XXXX Attorney will investigate, enforce and start prosecuting the white collar crimes of individuals within these entities orchestrating massive fraud not only with me but hardworking families and homeowners across the XXXX. I applaud XXXX XXXX XXXX from Hawaii, letter to XXXX XXXX XXXX, Chair and Board of Director at XXXX XXXX XXXX. Addressing pattern of consumer harm at XXXX XXXX and DEMANDING ANSWERS. Over 3.5 million people harmed by fake accounts and over 400 families lost their homes in error. XXXX XXXX BANK is NOT alone and its NOT the only one creating, fabricating, and forging fraudulent accounts. ENCLOSED COPY OF LETTER " EXHIBIT D ''. Moreover, in light of these audits and discoveries I hope the XXXX XXXX County Recorders Office and the XXXX XXXX County District Attorneys Office work together to identify means by which fraudulent robo-signed documents can be identified early by the County and reported to the District Attorney. TO enforce California Penal Code section115.5 ( Forging, Stealing, Mutilating, and Falsifying Judicial and Public Records and Documents ) which provides for statutory penalties up to {$75000.00} for filing with the County Recorder fraudulent documents relating to the title of or security interest in real property. As XXXX XXXX XXXX, Ex-Deputy Attorney General Department of Justice put it : " Corporations can only commit crimes through flesh-and-blood people. It's only fair that the people who are responsible for committing those crimes be held accountable. The public needs to have confidence that there is one system of justice and it applies equally regardless of whether that crime occurs on a street corner or in a boardroom. '' In conclusion, I'm demanding immediate cancellation and rescission of all fraudulent, unlawful, and illegal instruments, assignments, and documents recorded on my property XXXX XXXX XXXX XXXX CA XXXX at the XXXX XXXX County Recorders Office starting with the Notice of Default recorded on XX/XX/XXXX. respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95076
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was working with my relationship manager XXXX XXXX XXXX at Ocwen Home Retention Dept.since XX/XX/XXXX, and she was helping me with loss mitigation offers since last year. Therefore, in XX/XX/XXXX I was offered a loan modification in which I accepted and submitted to Ocwen by email in which I received a confirmation on XX/XX/XXXX. During my myriads of telephone conversations with Miss XXXX at Ocwen I was reassured that while I was working with my relationship manager to find a solution for my loss mitigation options to retain my home Ocwen will not go forward with a foreclosure. However, in XX/XX/XXXX Ocwen filed a motion to restore my foreclosure case ( Index No. XXXX XXXX Supreme Court ). Even though I was working with Ocwen in good faith to get either a short payoff offer or a loan modification during the time period in which Ocwen 's Attorney 's filed a motion to restore my case for foreclosure I was appalled to learn of their action. Furthermore, when I when to Court today to inform Ocwen 's attorney 's that I accepted a loan modification and showed the attorney from XXXX, XXXX and XXXX XXXX. proof and confirmation of email they did not remove their motion to restore.There was a letter submitted to the Honorable XXXX XXXX XXXX on XX/XX/2018 by the attorney 's for the Plaintiff, through it's servicer, that an active " CFPB '' hold applies to the Action base on loss mitigation activity. In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time that it prepares to foreclosure on the subject property. Sincerely. XXXX XXXX
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am looking for help with our housing situation. Ive been a customer of Ocwen Financial Corporation for over 10 years, in those years Ive applied for mortgage modification and have been denied many times. I have an adjustable rate mortgage that is currently 6.5 %. Since XXXX, I have been upside down in my home value. I didnt walk away, Ive held on and I have tried to do the right thing. My mortgage has doubled and continues to increase. I cant get Ocwen to do the right thing and modify my loan to a standard home loan. In XXXX Ocwen accepted approx {$50000.00} from the Hardest Hit Fund and they continue to want more. I am now at risk of foreclosure as my mortgage continues to increase. In XXXX, we went from a dual to single house home income after my wife became sick. Ive used my savings and now tapped into my 401k. I can no longer risk and spend my retirement to save a home from a company that doesnt make an attempt to make things right. I can send more information including the total income they have received from me in over 10+ years. I look forward to hearing from you and can get into more detail. Thank you for taking our case.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A