Date Received: 2018-03-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Attention : Honorable Attorney General XXXX XXXX State of Minnesota XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX Re : Florida 's XXXX XXXX XXXX XXXX XXXX Fraud and Retaliation, Foreclosure, and Homelessness for Reporting URGENT Epidemic Level Loan Number XXXX - My Home Mortgage File Number with Ocwen Dearest Attorney General XXXX : I am writing under circumstances that I wish I did not have to write on, but as a military spouse, and advocate for justice, and an American Patriot, I simply can not allow any further deviance and harm by this Corporation, actively housed in Florida, but customer services are " off shore '' ( assumed XXXX, XXXX, XXXX XXXX area ). I am writing this letter to address the issues of fraud and retaliation for reporting to the XXXX of XXXX Florida that have directed affected me and my family. There are several major issues affecting the servicing of my home mortgage over the nearly decade that Ocwen has serviced it, and there are immediate issues that if not resolved WILL render my still active military family homeless due to their illegal, penalized, but ignored and continued practices. Additionally, due to XXXX XXXX XXXX after the XXXX of our XXXX child that took me to the brink of XXXX, but from which XXXX continues to bless me with one more day, I have requested a loan modification under the HUD HAMP ( Making Homes Affordable ) process until I am able to return to substantial work. The modification process was moving forward, approved at all levels as is documented, but took much self-advocacy for the following of the law. Until recently, there have been a number of telephone calls, e-mail, and mail correspondence regarding these issues, and I would like them have these issues researched and resolved immediately, as to move forward with the modification of my loan through the Home Affordable Modification Program, but due to the identified fraud, reporting by me to the XXXX of XXXX Florida who holds the nearly 4000 currently open filed complaints against Ocwen, and their active retaliation against me, we are at a stand still, one that is having a much greater impact that anyone could believe. The issues are as follows : 1. The property listed in relation to this account at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, MN XXXX has been fully and completely awarded to XXXX XXXX XXXX XXXX XXXX XXXX ( further referred to as XXXX XXXX XXXX XXXX XXXX, with the maiden name of XXXX reported and notarized in previous documents, and attached to this letter as a part of the research file. The property was awarded via divorce in the State of Minnesota XX/XX/XXXX, the Judgment and Decree ( Divorce Order ) being provided a number of times to Ocwen. There is a filed and recorded Quit Claim Deed that has been recorded by the State of Minnesota and the County in which the property and primary residence exists ( XXXX County, Minnesota ), and there are subsequent notices and orders identifying this property as solely belonging to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Let this be a clear subsequent notice that the process of Assumption has been completed by XXXX XXXX XXXX, but has not been recognized by Ocwen, and has led to many issues in completing the loan modification process. The issues are numerous, and require a complete revision of the modification document to remove any naming of XXXX ( XXXX ) XXXX XXXX from the documents. 2. The second, and even more major issues with the loan modification documents have been presented in multiple recorded conversations with Representative XXXX - # XXXX ; Escalation Manager XXXX - # XXXX ; Representative XXXX ; Customer Relations Representative XXXX XXXX ; and several others, including legal counsel, multiple Notary Publics, and persons from the HUD/HAMP Regional and Federal offices. The issues are numerous, and will require thorough and complete research by Ocwen, and will also be submitted to the HUD/HAMP offices for review. The issues include : A. The Ocwen Loan Servicing Corporation 's ( further referred to as " Ocwen '' or " The Corporation '' ) fraudulent handling of HUD and other Federal mortgage and loan servicing in Minnesota, including my own. B. The Florida Corporation 's " bullying '' of Minnesota consumers with fraudulent threats of foreclosure, and/or actual unwarranted foreclosures, denial of modifications without following the HUD guidelines that would actually allow for, and encourage the modifications, or going through and completing the modification process, and retracting it for random and illegal reasons. C. Increasing of the interest rate beyond the maximum agreed upon HAMP Rate, seemingly to recoup the funds that are written off and/or paid at a non-interest bearing rate. D. The forcing of signatures by persons that have been removed from ownership via divorce, that has been repeatedly documented via divorce decree, recorded Quit Claim Deeds, and State of Minnesota Judicial Orders awarding the property solely to XXXX XXXX XXXX in XX/XX/XXXX. E. Ocwen and its representatives have repeatedly ( on recorded calls ) cited policies and practices that are in direct contradiction with the Home Affordable Modification Agreement and Program, but because the document was prepared by Ocwen, and served on multiple occasions by Ocwen, the contradictions, attempts at forced agreement, and major illegal actions have simply been re-printed and re-sent to the homeowner, XXXX XXXX XXXX XXXX. XXXX XXXX was advised by Ocwen and its representatives to not change any portions of the documents, or that will delay and/or cancel the modification. Nonetheless, the issues as marked, highlighted, underlined, addressed orally, and in written form have not been corrected, addressed, or made to be legal and congruent with the three-party agreement. In fact, Ocwen has attempted to, within the context of the HAMP Agreement, force the accepting of terms that are not a part of the HAMP program, and are not acceptable Notarization practices, banking/mortgage practices, re-financing practices, and many other practices typically associated with FRAUD. It would be easy to note these as simple errors, if the errors had not changed to be more beneficial to Ocwen, had not been repeatedly sent to the homeowner with specific instructions not to change, cross out or correct any portions of the documents, and if Ocwen had not itself contracted a Notary that refused to notarized the documents due to the repeated issues that are present in the multiple forms of the document. One of these major issues is the attempt to force the Notary to sign off that more than one person was present with only one representation line ( see file ). This is not legal nor acceptable, and also goes against the assumption process that has already been completed multiple times. Another example is the separation of legally binding pages, with blank space that could be modified or doctored and that are required to be connected, or to have the information repeated on both pages. There are over 100 said issues in the documents, each noted in the recorded conversations, in the written documents, and highlighted and/or marked on the multiple copies of the attached documents. Also attached are the Judgment and Decree ( XX/XX/XXXX Divorce Decree ) awarding the property to XXXX XXXX ( XXXX ) ; the Quit Claim Deed recorded in XXXX County, and the highlighted statements that these have all been verified by Ocwen as a part of the HAMP Modification review process. Furthermore, it is stated that the HAMP modification will not be honored if not completely executed by XX/XX/XXXX. Because on that date, and for weeks prior to that date, there were multiple attempts to have the documents and contractual agreements made correct and congruent, it is not only viewed that this was the attempt at a forced agreement and legal arrangement by Ocwen for the HAMP contract, on behalf of the Home Affordable Program/HUD Programs, but that Ocwen refused and continues to refuse to put forth the correct contractual documents, rates, etc., as they agreed to put forth with HAMP, but rather, Ocwen appears to want to continue to put forth their own terms using the HAMP process as their gateway. This is not only unacceptable, but it is illegal, and needs to be investigated, without the risk of retaliation by Ocwen, its partners, subsidiaries, fiduciaries, and stakeholders. The investigation must be by all parties involved, and corrected at no penalty to the homeowner who has done due diligence to work with the loan servicer. F. Florida Corporation, Ocwen, taking retribution actions against Minnesota and other consumers when complaints ( and even law suits, including class action suits ) are launched against them. In my case, when I launched an investigation and complaint with the XXXX of XXXX Florida, who holds Ocwen 's nearly 4000 actively open complaint files for XX/XX/XXXX-XX/XX/XXXX, my modification was revoked, and I went from being approved and moving forward, to being denied, and also given a list of stipulations for the repairs of my home from a septic/sewage/rain damage issue that occurred the last week of XX/XX/XXXX, of which Ocwen was notified right away. The Corporation 's representative also noted that I needed to have another person take assumption and sign documents for my home to again be jointly owned, mailing this correspondence to my ex-spouse of nearly a decade, demanding that he re-assume liability, and, in the same correspondence, my new spouse who is actively working both in civilian and military work. We hold separate lives due to the duty and obligation he, we feel to serve our Nation and our State. Again, all documentation, including divorce decrees, Quit Claim Deeds, are included in the substantial documentation that is actually " simplified ''. G. Corporations failure to account for all payments made to Ocwen Loan Servicing at all times. Ocwen repeatedly states that I have had a delinquency since XX/XX/XXXX. However, when I began the modification process, I was not delinquent, and was told to hold payment due to trial period being assessed and determined ( on recorded Ocwen line ). During the trial period and beyond, we made the required payments that included Principal, Interest, Escrow, and Taxes from XX/XX/XXXX XX/XX/XXXX via the Ocwen online system ( this can be verified through banking ). They will not account for those payments of nearly {$1600.00}, of which only about {$350.00} are being applied to the principal loan. H. The Corporation does acknowledge that I completed the trial period and payments in their correspondence informing me that I had been approved for a full modification. I would be sent a modification contract, and you can read much of the back and forth with the names and the notary issues, and the forced assumption, etc. above. However, finally, a document was sent in which I could legally have my own name signed and the process completed, which was done, and all was complete. I. At that same time, I began to receive a different type of correspondence demanding that I include my former spouse or my new spouse, and the names that were on the documentation were not even mine, spelling my name " XXXX '' and still addressing the materials to XXXX XXXX, my ex-spouse of nearly a decade who has had no claim to the property since XX/XX/XXXX due to divorce decree and Quit Claim Deed. J. XXXX XXXX XXXX XXXX has no known local or regional offices, but contract several organizations to threaten and/or lead the forclosure processes, come to homes and look in windows, photograph and film inside and outside of properrty through windows, certainly invading privacy, hanging tags to call, notaries, and individual persons who have even approached our then XXXX year old son ( XXXX years old as of XX/XX/XXXX ) to ask him questions about our home, who lived there, and so on. My son was able to describe the man as having " peach skin '' ( XXXX ), dark hair, and " younger than you Mom! '' He said that he drove up in a gold/tan SUV similar to one that we own, and I myself have seen that vehicle slow driving around our property with someone taking pictures out of the vehicle windows regularly. Actions Requested 1. First and foremost, that these issues be resolved immediately with the proposed actions, consequences, and penalties, a minimum, be sanctioned on The Corporation and Ocwen Loan Servicing as a Subsidiary. 2. That Ocwen Loan Servicing re-approve the loan modification for my home, but that all processes are completed directly by the HUD office, and that all information is correct, and that NO FRAUD, Illegal Actions, Bullying, or other unruly actions continue to take place. 3. During whatever processes need to occur, that I am not continually fined, penalized, harassed, threatened with foreclosure, etcetera, and that I be provided, in writing, the safety and sanctity of our home. 4. That the Corporation, and Ocwen Loan Servicing be stripped of any abilities to do any business in Minnesota, loan servicing in Minnesota, and prayerfully any other States, and that they be penalized to the highest and most stringent points of local, State, and Federal law for their fraudulent, harassing, harmful, unprofessional, and simply un-American making of homeless families as generous financial benefits to their Corporation and subsidiaries. 5. That Ocwen Loan Servicing be investigated for using a " balloon-style '' scheme that raises HUD approved rates to the maximum, and even beyond based on formulary, to increase revenue. I ask that the investigation include the investing or " hiding '' of these and other monies from their schemes being kept " off shore. '' 6. I propose that the Corporation and/or Ocwen Loan Servicing IMMEIDATELY be forced to pay all fines, fees, excess funds paid, funds that have been inaccurately charged, taken, unaccounted for, etc., since XX/XX/XXXX, the start of our mortgage. 7. I ask that I be releaased from being serviced by Ocwen as soon as possible, with all actions, sanction, penalties, and punishments being placed on the Corporation to the highest extent. 8. I ask that Ocwen Loan Servicing be forced to clean nmy mortgage records to be truthful, have sole ownership, follow HUD requirements, State, Federal, HUD, and Commerce laws and regulations. 9. I ask that all overpayments and/or payments that were benefited to the Corporation via their " balloon-style '' and other methods that were misappropriations of " THE PEOPLE 'S '' funding be returned to myself and others that are found to have been affected, and that all Escrows, Mortgage Fees, Escrows, Taxes, etc., be paid by Ocwen and/or the Corporation through the legnth of this process, and for a minimum of five years after. 10. More fairly would be the forcing of Ocwen and its Parent Corporation to pay for the home in full, return all funds to HUD that belong to HUD, and re-build our home at or above the assessed level or {$650000.00}, whichever is more. If more is needed to do the work, then that amount should be used, and should include the replacement of all furniture and other items, including stored keepsakes from my husbands many deployments around the world that could have been saved should Ocwen have cooperated and kept their promises, not committed fraud or retaliation for reporting fraud. 11. I propose that all financial loss from the sewage/septic damage, the refusal to release the checks for payments for services, the refusal to allow services ( listed in their retaliation response included in packet ), and all loss be charged completely to Ocwen and/or the Corporation, and due to the time that has passed, and the likelihood of the need for complete demolition and reconstruction ( aided by ReBuilding Together MN for military families with disabled members that are also low income ). I request that our home be assessed by a County and/or State assessor, that our home be demolished and re-build to that assessed value or above ( estimated {$500000.00} post re-model ; {$350000.00} prior to re-model with no " true '' assessment, only estimated value. at or above the newly assessed value post re-model just prior to the septic issue. Though some work has been done to make the home livable, work has been slow and often halted due to lack of funds to pay because of Ocwen 's refusal to release the dual signature check. Come on, would you want to spend the rest of your life in a house that has been partially or wholly sitting in raw sewage for nearly six months? 12. I put forth that all items, furniture, toys, all items lost ( records and photos available ), as well as the time that we were out of home, etcetera. 13. I put forth that Ocwen Loan Servicing and/or The Corporation be forced to pay for all fees, loss, tax, potential growth, etc. From having to take out every cent of my son 's College fund to pay for at least a home to sleep in, as well as the need to use an " alternative loan '' method to pay for some of the costs that has now lost us more funds, and is consuming what little we have, including the vehicle that we used as collateral. Additionally, it has been brought to my attention that Ocwen Loan Servicing or it's " Parent Company '' holds my loan, but rather another company, which is believed to be related or a fiduciary to the Corporation, " Parent Company '', or Ocwen itself. The information is limited, vague, and has come with only a postcard 's worth of information sent nearly a year ago. In many ways, I believe that Corporations such as this one feel the " bravado '' to take advantage of people that are " low income '' or going through difficult times, because they believe they are " smarter, wiser, better, etc. '' However, as a fairly successful dual-PhD trained advocate for American justice in nearly every arena, this is just one Militaray Spouse, Mother, Christian, Minnesotan, and United States Patriot that is standing up with NO FEAR! Finally, until these many issues are rectified, there should be a NO PENALTY, NO INTEREST, NO FEE STAY on the mortgage, and also a review into any other activities that may have violated the consumer, other consumers, and the law. This portion of the letter was submitted to Ocwen electronically, via signature-required mail, and via direct e-mail, on XX/XX/XXXX. It is critical that there is recognition that it has been received. There are far more issues that will be identified here, and then the proposed actions, penalties, and punishments against this Corporation that has no place in our American civil society. Sincerely, XXXX XXXX XXXX XXXX XXXX CC Office of the Attorney General for the State of Florida, The Honorable XXXX XXXX United States Housing of Urban Development Fraud Investigation Department United States Office of the Inspector General, the Honorable XXXX XXXX XXXX United States Office of the Attorney General, the Honorable XXXX XXXX. XXXX President of the United States, Donald J. Trump
Company Response:
State: MN
Zip: 55082
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: From the Desk of XXXX XXXX Private Attorney General 42 U.S.C 1988 RACKETEER INFLUENCED AND CORRUPT ORGANIZATION ( RICO ) and One of People in a Court of Record * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Consumer : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX PENDING CRIMINAL INVESTIGATION LAST UPDATE XX/XX/XXXX ATTN : MAGISTRATES, JUDGES, OFFICERS OF THE COURT, PUBLIC SERVANTS ( Any public servant under Oath of Office ) Including all members of Congress, Federal Agents or Military Authorities. & ANY AFFILIATES CONNECTED WITH THE DOCUMENTS RECORDED IN SAID COUNTIES : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX XXXX ALL CRIMES/FELONIES ARE REPORTED TO THE ABOVE PUBLIC SERVANTS IN VIOLATION OF THE FOLLOWING CODES : PENAL CODE 115 FILING FALSE DOCUMENTS PENAL CODE 182 TWO OR MORE COMMITTING CRIMINAL CONSPIRACY PENAL CODE 470 FORGERY ; SIGNATURES OR SEALS ; CORRUPTION OF RECORDS ; INTENT TO DEFRAUD 18 U.S.C. 4 MISPRISION OF FELONY AND 18 U.S.C. 371-CONSPIRACY TO DEFRAUD THE UNITED STATES IF THESE CRIMES ARE NOT PROPERLY REPORTED YOU WILL VIOLATE YOUR OATH OF OFFICE AND ENTER INTO 18 U.S.C. 2381 TREASON RESCISSION OF SUBJECT PROPERTY UNDER CALIFORNIA CIVIL CODE 1688, 1689 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( 3 ) 1689.2 DUE TO ELDER ABUSE, RACIAL DISCRIMINATION AND RACIAL PROFILING ON MORTGAGE CASES ON BEHALF OF CERTAIN BANKS AND THEIR SERVICERS/DEBT COLLECTORS COLLECTING ON TERMINATED TRUST ACCOUNTS WITH THE SECURITY EXCHANGE COMMISSION FEDERAL CONSUMER LAWS CIVIL CODE SECTION 1567. An apparent consent is not real or free when obtained through 1. Duress 2. Menace 3. Fraud 4. Undue Influence or 5. Mistake FEDERAL CONSUMER LAWS CIVIL CODE 1571. 1572. 1573. 1574. 1575. 1576. 1577. AND 1578 FORGERY CALIFORNIA CODE OF CIVIL PROCEDURE 749 AND 749.5 NOTARY VIOLATIONS ; VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( d ) Failure to Discharge the Duties or Responsibilities of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( e ) Adjudged Liable for Damages in Any Suit Grounded in Fraud, Misrepresentation, Violation of State Regulatory Laws or Failure to Discharge Fully and Faithfully the Duties of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( i ) Act Involving Dishonesty, Fraud, or Deceit with the Intent to Substantially Benefit the Notary Public or Another, or Substantially Injure Another VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( l ) Execution of any Certificate as a Notary Public Containing a Statement Known to the Notary Public to be False Execution of a certificate that the notary public knew contained false information. VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( o ) Failure to Secure Journal or Official stamp DOCUMENTS IN ORDER Yes No Not Required Comments GRANT DEED XX/XX/XXXX DOCUMENT # XXXX XXXX COMMONWEALTH ESCROW # XXXX TITLE ORDER XXXX XXXX XXXX XXXX AS TO AN UNDIVIDED 5 % INTEREST AND XXXX XXXX AS TO AN UNDIVIDED 95 % INTEREST GRANTS XXXX XXXX, A SINGLE MAN NOTARIZED AND ACKNOWLEDGED XX/XX/XXXX DEED OF TRUST XX/XX/XXXX DOCUMENT # XXXX XXXX COMMONWEALTH TITLE ORDER # XXXX LOAN # XXXX MIN # XXXX BORROWER- XXXX XXXX LENDER-. XXXX XXXX XXXX XXXX XXXX. TRUSTEE-XXXX XXXX XXXX XXXX. XXXX IS BENEFICIARY {$530000.00} ADJUSTABLE RATE RIDER ***XXXX XXXX XXXX XXXX XXXX WAS SUSPENDED IN XX/XX/XXXX BY THE SECRETARY OF STATE OF CALIFORNIA AND FRANCHISE TAX BOARD IN XX/XX/XXXX. SEE ATTACHED INTER-AGENCY INQUIRY*** ***ON XX/XX/XXXX MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC AMENDED UNDER ARTICLE 1 : THE NAME OF THE CORPORATION IS XXXX XXXX NOTARY PUBLIC XXXX XXXX XXXX HAS COMMITTED CRIMINAL CONSPIRACY WITH THE MULTIPLE VICE PRESIDENTS OF XXXX XXXX XXXX XXXX XXXXC. AND DUE TO THIS THE SECRETARY OF STATE HAS REVOKED HER COMMISSION AND HAD HER IMMEDIATLEY DESTROY HER STAMP AND EMBOSSERS SEE ATTACHED ORDER AND LETTER SENT TO SENATOR XXXX IN VIOLATION OF PENAL CODE 115.5. FALSE DOCUMENTS RECORDED IN SAID COUNTY, PENAL CODE 182 CRIMINAL CONSPIRACY AND PENAL CODE 470 INTENT TO COMMIT FORGERY QUITCLAIM DEED XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX XXXX HEREBY GRANTS TO XXXX XXXX AS TO A UNDIVIDED 95 % INTEREST AS TENANTS IN COMMON XX/XX/XXXX SIGNED BY XXXX XXXX XXXX XXXX NOTARY PUBLIC : XXXX XXXX SUBSTITUTION OF TRUSTEE XX/XX/XXXX DOCUMENT XXXX LOAN # XXXX MIN # XXXX XXXX FILE NO. XXXX XXXX A CALIFORNIA CORP HEREBY SUBSTITUTES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AS INDENTURE TRUSTEE UNDER THE INDENTURE RELATING TO XXXX XXXX XXXX XXXX XXXX XXXX SERIES XXXX MORTGAGE BACKED NOTES SERIES XXXX THIS TRUST ACCOUNT HAS BEEN TERMINATED AS OF XX/XX/XXXX TAX EVASION, SECURITIES FRAUD, AND MONEY LAUNDERING SIGNED BY XXXX XXXX XXXX ASSISTANT SECRETARY NOTARY PUBLIC : XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECT ACTING AS NOTARY PUBLIC XXXX XXXX IN VIOLATIONS OF PENAL CODE 115 FILING FALSE DOCUMENTS IN SAID COUNTIES, PENAL CODE 182 TWO OR MORE COMMITING CRIMINAL CONSPIRACY, PENAL CODE 470 INTENT TO DEFRAUD NOTICE OF RESCISSION XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX XXXX. TS # XXXX TITLE ORDER XXXX LOAN # XXXX RESCINDING PREVIOUS NOTICE OF DEFAULT SIGNED BY XXXX XXXX EXECUTIVE VICE PRESIDENT FOR XXXX XXXX AS TRUSTEE BY XXXX XXXX XXXX XXXX XXXX AS AGENT BLANKET ASSIGNMENT OF DEED OF TRUST XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXX FOR VALUE RECIEVED THE UNDERSIGNED FEDERAL DEPOSIT INSURANCE CORP AS RECEIVER OF XXXX XXXX AND XXXX XXXX, XXXX. BY XXXX XXXX XXXX XXXX UNDER LIMITED POWER OF ATTORNEY DATED XX/XX/XXXX RECORDED XX/XX/XXXX IN XXXX COUNTY TEXAS IN DOCUMENT # XXXX HEREBY GRANTS TO XXXX XXXX XXXX XXXX SIGNED BY XXXX XXXX XXXX, ASSOCIATE GENERAL COUNSEL FOR FEDERAL DEPOSIT INSURANCE CORP AS RECEIVER OF XXXX XXXX XXXX XXXX XXXX XXXX. BY U.S. BANK NATIONAL ASSOCIATION UNDER LIMITED POWER OF ATTORNEY DATED XX/XX/XXXX RECORDED XX/XX/XXXX IN XXXX COUNTY TEXAS IN DOCUMENT # XXXX NOTARY PUBLIC XXXX XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECTS ACTING AS NOTARY PUBLIC XXXX XXXX XXXX AND XXXX XXXX XXXX IN VIOLATIONS OF PENAL CODE 115 FILING FALSE DOCUMENTS IN THE XXXX XXXX COUNTY RECORDERS OFFICE NOTICE OF DEFAULT XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXXXXXX. TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXX XXXX SUBSTITUTION OF TRUSTEE XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX XXXX. TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXX HEREBY SUBSTITUTES XXXX XXXX XXXX XXXX XXXX. NOTICE OF TRUSTEES SALE XXXX DOCUMENT XXXX XXXX XXXX XXXX TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXX HEREBY SUBSTITUTES SIGNED BY XXXX XXXX AGENT FOR XXXX XXXX XXXX SIGNED BY XXXX XXXX OFFICER FOR XXXX. XXXX XXXX XXXX. NOTARY PUBLIC XXXX XXXX ORDER NOTARY OATH AND ALSO CHECK IF THE SIGNATURE IS A STAMP SIGNED BY XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECT ACTING AS XXXX XXXX IN VIOLATION OF PENAL CODE 115 FILING FALSE DOCUMENTS IN SAID COUNTY OF XXXX XXXX, PENAL CODE 182 CRIMINAL CONSPIRACY, PENAL CODE 470 INTENT TO DEFRAUD THE PUBLIC The White House United States President Donald J. Trump Sr. XX/XX/XXXX Submitted appointment request on XX/XX/XXXX via The White House website successfully submitted XXXX XXXX. Executive Order 13818 THE AMERICAN ANTI-CORRUPTION ACT AND EXECUTIVE ORDER 13818 BLOCKING THE PROPERTY OF PERSONS INVOLVED IN SERIOUS HUMAN RIGHTS ABUSE OR CORRUPTION BY THE AUTHORITY OF PRESIDENT DONALD J. TRUMP ISSUED EFFECTIVE DATE XX/XX/XXXX SECTION 1. ( B ) ( 1 ) CORRUPTION, INCLUDING THE MISAPPROPREATION OF STATE ASSETS, THE EXPROPRIATION OF PRIVATE ASSETS FOR PERSONAL GAIN, CORRUPTION RELATED TO GOVERNMENTS CONTRACT OFLR THE EXTRACTION OF NATURAL RESOURCES OR BRIBERY : OR ( 2 ) THE TRANSFER OR THE FACILITATION OF THE TRANSFER OF THE PROCEEDS OF CORRUPTION. United States President Donald Trump XXXX XXXX XXXX XXXX XXXX, New York XXXX Certified Mail XXXX XXXX XXXX XXXX XXXX CONGRESSMAN XXXX XXXX XXXX XXXX DISTRICT REPORTED ON XX/XX/XXXX AT XXXX XXXX SPOKE TO XXXX XXXX DISTRICT REPRESENTATIVE EXPLAINED ALL THE CRIMES AFFECTING THE ELDERLY, AND HARD WORKING VICTIMS FEDERAL AND STATE CRIMES AFFECTING MILLIONS OF VICTIMS IN MULTIPLE COUNTIES. XXXX XXXX CA MOBILE OFFICE THE XXXX XXXX COUNTY RECORDERS OFFICE LOCATED IN XXXX Commission of Judicial Performance XXXX XXXX, Ca XXXX Spoke to XXXX XXXX and he stated he would send a letter pertaining to the investigation against the State Judges. XXXX XXXX NOTICE PENDING MAILED XX/XX/XXXX MAIL ID # XXXX WRIT OF ERROR TO FORMER SHERIFF XXXX XXXX XXXX FILED XX/XX/XXXX IN DEPARTMENT 1 AT THE XXXX XXXX COURTHOUSE UNITED STATES SENATOR XXXX XXXX XX/XX/XXXX PRIVACY ACT COSENT FORM FILED BY XXXX XXXX CONGRESSMAN XXXX XXXX 31ST DISTRICT IN PERSON ON XX/XX/XXXX AT XXXX XXXX WITNESS XXXX XXXX SPOKE TO XXXX XXXX STAFF ASSISTANT IN GRAND FEDERAL BUREAU OF INVESTIGATION COMPLAINT FILED ON XX/XX/XXXX SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED VIA PHONE BY PRIVATE ATTORNEY GENERAL 42 U.S.C. XXXX XX/XX/XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT VIA PHONE XXXX XXXX SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX 42 U.S.C. XX/XX/XXXX ( RICO ) XX/XX/XXXX XXXX DEPARTMENT 1 AT THE XXXX XXXX COURTHOUSE PENDING ( XXXX ) ON BEHALF OF THE PUBLICS INTEREST, SECURITY, FREEDOM FROM ORGANIZED CRIME WHICH WAS COMMITTED TO APPROX. 13 MILLION INHABITANTS IN THE UNITED STATES OF AMERICA VIOLATIONS OF RACKETEER INFLUENCED AND CORRUPT ORGANIZATION, MAIL FRAUD, WIRE FRAUD, MONEY LAUNDERING, TAX EVASION, FABRICATION OF FALSE DOCUMENTS, PENAL CODES 115, 182, 470 CCC 2934, 2924 CIVIL RIGHTS, WHITE COLLAR CRIMES FEDERAL BUREAU OF INVESTIGATIONS VIA PHONE XX/XX/XXXX AT XXXX XXXX APPROX.SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX Senator XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX DECLARATION OF STATE OF EMERGENCY AND CIVIL UNREST CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Judge Advocate General OJAG XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX PENDING ( XXXX ) DEPARTMENT OF TREASURY SPECIAL AGENT XXXX XXXX XX/XX/XXXX OPEN INVESTIGATION Office of the Provost Marshal XXXX XXXX XX/XX/XXXX REQUESTING MILITARY ASSISTANCE DUE TO TREASON COMMITTED BY ELECTED OFFICERS OF THE COURT IN MULTIPLE COUNTIES DECLARATION OF STATE OF EMERGENCY AND CIVIL UNREST CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED IN PERSON BY PRIVATE ATTORNEY GENERAL XXXX XXXX IN THE UNITED STATES BANKRUPTCY COURT XX/XX/XXXX at XXXX XXXX approx IN THE CASE OF THE DEBTOR XXXX XXXX WHEREIN AS JUDGE XXXX XXXX ORDERED XXXX XXXX BY FORCE IN CONTEMPT OF THE COURT TO COME BACK IN AFTER JUDGE XXXX XXXX WAS DISQUALIFIED BY XXXX. XXXX RESPONDED XX/XX/XXXX Conclusion OFFICE OF THE COMPTROLLER OF CURRENCY CASE # CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT # DISTRICT ATTORNEY XXXX XXXX ( XXXX XXXX COUNTY ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL # ATTORNEY GENERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL # Speaker of the House XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX phone XXXX fax Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX * COURT OF RECORD. To be a court of record a court must have four characteristics, and may have a fifth. They are : A. A judicial tribunal having attributes and exercising functions independently of the person of the magistrate designated generally to hold it [ XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Ex parte XXXXl, XXXX XXXX. XXXX., 171, per XXXX, XXXX. See, also, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ] [ XXXX 's Law Dictionary, 4th Ed., 425, 426 ] B. Proceeding according to the course of common law [ XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX ; Ex parte XXXX, XXXX XXXX. XXXX, XXXX, per XXXX, XXXX. See, also, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ] [ XXXX 's Law Dictionary, 4th Ed., 425, 426 ] C. Its acts and judicial proceedings are enrolled, or recorded, for a perpetual memory and testimony. [ XXXX XXXX. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte XXXX XXXX XXXX Cal XXXX ; XXXX v. U.S. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ] Has power to fine or imprison for contempt. [ XXXX XXXX. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte XXXX XXXX XXXX XXXX XXXX ; XXXX v. U.S. , XXXX, XXXX XXXX XXXX, XXXX L.R.A. XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX. ] [ XXXX 's Law Dictionary, 4th Ed., 425, 426 ] E. Generally possesses a seal. [ XXXX XXXX. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte XXXX XXXX XXXX Cal XXXX ; XXXX v. U.S. , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. ] [ XXXXXXXX XXXX Law Dictionary, 4th Ed., 425, 426 ] ***Private Attorney General Private attorney general is an informal term usually used today in the United States to refer to a private party who brings a lawsuit considered to be in the public interest, i.e., benefiting the general public and not just the plaintiff. [ 1 ] The person considered " private attorney general '' is entitled to recover attorney 's fees if he or she prevails. The rationale behind this principle is to provide extra incentive to private citizens to pursue suits that may be of benefit to society at large. Another example of the " private attorney general '' provisions is the Racketeer Influenced and Corrupt Organizations Act ( RICO ). RICO allows average citizens ( private attorneys general ) to sue those organizations that commit mail and wire fraud as part of their criminal enterprise. [ citation needed ] To date, there are over 60 federal statutes [ citation needed ] that encourage private enforcement by allowing prevailing plaintiffs to collect attorney 's fees. Attorneys who function as a private attorney general do so without compensation. The statutes permitting a plaintiff to recover attorneys ' fees have been held not to apply when the plaintiff is an attorney.
Company Response:
State: CA
Zip: 90041
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Why is the CFPB inept at handling complaints against OCWEN? I am being forced to sign a modification in which I lose over $ 50k in equity - despite taking OCWEN to US District Court, our family does not have the resources to continue the effort so we have to settle! Where is CFPB in all of this?!? I have filed several complaints and have heard NOTHING. OCWEN has violated our rights under nearly every piece of legislation out there including my protections while XXXX as a XXXX XXXX in a XXXX XXXX and their agreement with the 50 states. We can show that we made every payment early or on time, many times in excess of the amount owed. Despite this OCWEN has reported us late many times, including times that XXXX serviced the loan! OCWEN foreclosed on us TWICE concurrent with their own proffered modification process- in one case congratulating us for earning a modification and foreclosing on us ON THE SAME DAY! After taking them to US District Court in Colorado they offered us another modification as a settlement. This modification seeks more money than we owed IN 2005. So- the wrecked our credit, cost us thousands in fees and damages credit, ruined our lives and our health, and CFPB does nothing. We really need your help NOW. We have ALL the proof, we can show their illegal and unethical practices using their own paperwork ... and weve done everything we can to bring these scoundrels to your attention and that of the State District Attorney. But it doesnt matter if yall sit on your backsides and watch my family lose everything. Shame on you and XXXX your ineffective methods. I hope they erect a statue on the site of your building so I can at least have something tangible to look at and give me hope.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: they have been raising my payments and when I call to speak with them they are very rude and get upset because I speak XXXX. I called you all and told you about my complaint and I have my daughter checking for the report number but it say I don't have a complaint number can you please call me XXXX XXXX speaking please
Company Response:
State: TX
Zip: 78586
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen Loan Servicing, LLC continues their mortgaging servicing misconduct by sustaining the breaching of the binding modification contract after accepting our successful trial payments. Ocwen still disingenuously maintains their game plan of deception by continuing to misinform us, our attorney XXXX XXXX and the Florida Office of Financial Regulation as attachments show by stating on their XX/XX/XXXX letter to the Florida Office of Financial Regulation page 3 which I quote : " the account is in foreclosure and on a temporary hold, which may be lifted at any time '' buy yet fail to notify the courts of such posture as their latest motion neglects this info proceeding with the foreclosure. Ocwen still refuses to honor the modification agreement due their claim of not receiving back the signed agreement copy which was never received and neglects to provide proof that it even exists after multiple requests by us and our attorney. Ocwen failed to pay our insurance premium that should have been paid from escrow payments made during our successful trial payment period to our established insurance carrier of 38 years causing its cancellation and then without our consent substituted the policy with their insurance choice at doubled the premium with less coverage. Ocwen as attachments show, deceitfully ignored our appeal unilaterally violating the RESPA ( Real Estate Settlement Procedures Act ) stature.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: At the conciliation court conference on XX/XX/XXXX, lenders counsel confirmed that a TPP had been offered and verbally reported that they amount due is {$560.00} due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but did not mention needing a signed returned agreement. On XX/XX/XXXX, the homeowner received a billing statement from Ocwen dated XX/XX/XXXX, confirming the amount of the TPP : {$560.00}. Timely payments were made XX/XX/XXXX & XX/XX/XXXX. They were accepted by Ocwen and as of this date have not been returned to the homeowner. On XX/XX/XXXX, an email attachment with a letter from Ocwen was received by the housing counselor ( sent from lenders counsel ) stating that the modification offer was not forthcoming and was being cancelled/denied because the homeowner had not returned a signed copy of the TPP offer. However, the homeowner had never received a detailed TPP offer packet. She was not given a copy of the TPP offer until XX/XX/XXXX via email from lenders counsel. *HOMEOWNER HAS NEVER RECEIVED THIS OFFER BY MAIL* The homeowner immediately signed and returned the TPP offer, but at the conciliation court conference on XX/XX/XXXX, the homeowner was told by lenders counsel ( after mistakenly telling her that shed been denied for missed TPP payments ) that she would have to reapply for another TPP. Ocwens counsel reported that Ocwen would keep the submitted TPP payments and apply them to the delinquency but not modify the mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen Mortgage Servicing did a loan modification with me in XX/XX/XXXX with a clause that stated when I paid back the loan I would owe 25 % shared appreciation. It did not state that the shared appreciation would survive any future modifications. I completed another modification XX/XX/XXXX. When the paperwork arrived there was nothing in it about a shared appreciation. I specifically asked my relationship manager if the 25 % shared appreciation was still part of the new modification. She said " it is not listed in this paperwork so it is no longer in force, but if you aren't sure you can have an attorney look over this modification. '' ( Having an attorney look at the modification would not have helped as the paperwork did not mention the shared appreciation. ) When I asked regarding payoff last week I was told I need an appraisal because of the shared appreciation. When I told him what my relationship manger said, he said " you still owe it even if she gave you bad advice. '' ( They record all conversations so there will be a record of what my relationship manager told me as well as the agent I spoke to XX/XX/XXXX. )
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: AFTER COMPLETED MODIFY TRAIL LOAN, AYMENTS IN FULL WITH OUT NO MISS. PAYMENTS. {$2500.00} THEN 2 MONTHS LATER XXXX XXXX XXXX SAID MODIFY LOAN IS DENIED.. AFTER TAKEN MY PAYMENTS.AUCTION MY HOME ON XX/XX/XXXX TO ASAANJI -MUHAMMAD XXXX, XXXX GA.WHOM WAS ALSO XXXX PROPERTY..SEE XXXX COUNTY COURT RECORDS TO PUBLIC . OCWEN ATTONEY SAID THEY HAD SOLD THE HOME. FORCE TO MOVE OUT.. NEW OWNER A SAID THEYPAID $ XXXX NEW OWNER-XXXX REALTOR .CAME BY THE HOME AT XXXX XXXX XXXX XXXX XXXX. PER NEW OWNER IN XX/XX/XXXX BY HOME. OWNER GAVE ME 40 DAYS TO MOVE. I NEEDED MORE TIME BECAUSE OF DISABLITY PERSON IN HOME. AND IM OVER XXXX OLD..SUCH SCAM IN XXXX XXXX GA I HAD TO GET ATTORNEY TO STOP DISP0SSESSOR OR EDVICTIONS. XX/XX/XXXX XXXX XXXX AFTER XXXX NON-CONTACT..TO ME. XXXX SOLD XXXX XXXX XXXX TO XXXX WHICH CLOSED ON HOME XX/XX/XXXX SO I HIRE ATTORNEY WHOM INFORM THEM OF WRONGFUL FORCLOSE AND TO FIX THE PROBLEM XXXX HAD.AGREED AFTER PAYING $ $ $ .PAID OCWEN $ $ .. TOO... LATER XX/XX/XXXX I FILE COMPLAINT WITH MY XXXX DISTRICT CONGRESSMAN XXXX XXXX XXXX. WHOM A XXXX XXXX, HAS CONTACTED OWCEN REQUESTING PAYMENT HISTORY..MISAPPLIED NON-RESPONSES BY OCWEN. LAST WEEK XXXX XXXX EMAIL SAID HE WOULD ALSO WORK ON THIS.HE WOULD HELP..FILL FREE TO CONTACT HIM FIRST HOME BUYING. XXXX XXXX XXXX. XXXX.THOUGH XXXX.THEN XXXX XXXX, XXXX. XXXX OCWEN. XX/XX/XXXX
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen loan servicing, llc Ocwen has failed to credit my my loan payment. on XX/XX/XXXX my bi weekly payment was paid through XXXX XXXX my Bank statement shows it was paid Ocwen contacted me on XX/XX/XXXX to tell me they have not received my payment The amount is XXXX XXXX XXXX dollars XXXX XXXX cents. Ocwen told me the payments were handled by pay map phone XXXX That I should call pay map will do so Monday XX/XX/XXXX Can Ocwen charge me with late fee as I did my part, thank you
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2018-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: over the last 2 years with several requests, Ocwen Loan Servicing continues to deny my ability to pay my own taxes and insurance. as a mortgage professional, who has originated several Ocwen loans to my clients throughout the years, I have had to personally assist 4 of them with issues surrounding Ocwen 's misuse and inability to manage the funds that are to be properly disbursed to the city tax assessors office and/or the insurance companies. After 12 years of paying my mortgage on time, and several hours of wasted conversations with the incompetent staff of Ocwen Loan Servicing, who give you the runaround and can not provide adequate answers for their inability to function properly, I ask that you investigate the abuse suffered at the hands of consumers by this company Ocwen has been issued cease & desists for originating loans by 30 AGs offices around this country, I am now requesting that a full investigation of the abuse and misuse of clients escrow funds and the need to revoke Ocwens ability to even service loans, never have I dealt with a more thoroughly incompetent group of people than the staff of Ocwen Loan Servicing
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A