Date Received: 2017-10-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind on my payments due to financial reasons and have not been able to catch up until recently. Ocwen never reached out to me to offer me help or assistance. I do recall reaching out to them and being told there was nothing I could do that they would be proceeding with the sale. After speaking with some friends and attorneys, I realize that this is not right nor fair. The Homeowner Bill of Rights state that the lender should be assisting me throughout this process and helping me find alternatives to foreclosure. I have never been assigned a point of contact and I have never been offered help.
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CFPB XXXX Complaint XX/XX/XXXX I am writing to file a complaint about XXXX XXXX and their agent servicer, Ocwen for sending me the detailed private confidential financial information of one of their customers by the name of XXXX XXXX in XXXX who appears to have applied for a loan modification from them ; they have sent me all of her personal details, name, address, social security number, bank information, income, phone number etc. etc. This is a breach of confidentiality, privacy and a violation of Federal laws, banking and other laws by XXXX XXXX/Ocwen! As a consumer protection agency with many powers bestowed upon you, by congress, are you going to do your duty and investigate to punish XXXX XXXX/Ocwen and inform XXXX, or should I? How many other such violations by such mailings have there been by XXXX XXXX/Ocwen? Did they send this poor woman 's private details to many others? How many others? Is this a mass mailing? Will her identity be violated even more then it already has been by this mailing at some future date? Have other such mailings about other applicants and their private data been mailed? Have they done the same with my data, will you investigate it and make sure they have not, while keeping me informed? On XXXX XXXX, XXXX, I called CFPB to see what I could do about it, who I could complain to, and a nice lady by the name of XXXX at CFPB ( employee number : XXXX ) suggested I file a complaint with you, after she heard what I could describe to her over the phone. I was impressed with her, so I am filing this complaint, although I know better since I have filed complaints with you before and you have done nothing about it. I have been tied up in a bankruptcy I had to jump in to when after my foreclosure I followed your RESPA rules and filed a loan modification paperwork with the judge who was misguided by the opposing attorney to rule against me and I had to file the loan modification papers according to RESPA rules by XXXX XXXX XXXX to stay the sale of my home, and the attorney representing XXXX XXXX/Ocwen was supportive over the phone as the paperwork was filled out to stay the sale of the home, but the opposing attorney failed to show up for the hearing on XX/XX/XXXX. A retired XXXX who was brought in to attend to the foreclosure cases that the state needed to process, was visibly angry at the XXXX XXXX/Ocwen attorney not showing up for the hearing. He threw out our response and with it the RESPA regulations since he clearly did not comprehend it. It was probably new to him and he was retired ( was he even qualified to be a XXXX )??? Should n't it be against the law to bring old retired judges who are on the verge of senility and are unfamiliar with the current changes in law and rules. Could he have even met the requirements for new judges being appointed to the bench? Yet, he is passing judgements? Is this not injurious to me and others like me? Why are you not doing your duty and allowing these unjust predatory acts to take place while you fiddle your thumbs with the title of " consumer protection. '' I had no choice but to quickly grab an attorney who was lurking around with an office very close by who was willing to file a chapter XXXX bankruptcy to stay the sale of my home. I paid him his demanded flat fee and was forced to soil my credit by saddling myself with a bankruptcy for the ONLY loan amount in question to XXXX XXXX/Ocwen, which had taken me to foreclosure, even though the conditions that would require foreclosure had not been met. The foreclosure was forced upon me, as was the default, which was manufactured. I of course filed a pro-se appeal for this injustice, but it was not sufficient to stay the sale of my home, I had to go into bankruptcy. My long experience with your organization has resulted in false hopes ; health, financial and other losses have concluded for me that you are useless, a stain on the term " Consumer Protection. '' I hope for your sake, you will do a lot more this time to modify my attitude towards you. I started by being your biggest fan, rooting for your success all the way but then discovered through my experience with you that CFPB is useless. I had high hopes for XXXX XXXX ( a title I gifted her and all of you at CFPB that were supposed to fight for consumers, the hurt little guy by those in power with money ). She fought her various battles, launching Consumer Financial Protection Bureau, even though she was denied the directorship by a few evil men in power I was rooting every step of the way, hoping it would help the little folks like us. I could not have been any more wrong in this matter. All of the hopes of us little people were blown, when that lawyer from Ohio was given that office instead of her. The title of Saint I withdrew from her when she stopped her follow through and all of those involved on your end, I gift you the well earned drastically opposite title by the addition of one word, " Fallen '' you know what I mean, you have earned it, perhaps you might consider seeking redemption by doing the right thing this time and help me fight this demonic evil of " Unjust Usury Eviction Predators '' practiced by XXXX XXXX. As in the past, more than once, I know you will read my complaint, then just write a token letter to XXXX XXXX/Ocwen, and they will respond back to you with some token letter, and then you will accept their standard response forwarding it to me, and that will be that. Then you will collect these complaints from people like me, when you have enough, you will fine them, and then collect that money for your own nefarious benefits, and let Ocwen continue its dirty deeds, so you can fine them again and it can become a nice revenue source/stream for you, using our complaints. We never get any help from you. No wonder your funding is getting cut off, and you are losing your credibility as congress considers doing away with you. Thats your well earned karma, you deserve that because of the injustice that you have dealt to us, the little guy, it is coming back to haunt youand haunt you it will, if you dont get your act together and start advocating for justice and helping the helpless. I am sure it will only be a matter of time before karma will end you. I hope and pray karma does punish you. One thing you must not forget, this destruction was caused by your own unjust, uncaring, selfish, greedy hands. Let me introduce myself, my name is XXXX XXXX XXXX. XXXX XXXXOcwen have slaughtered me and everything I hold near and dear to my heart, and they continue to XXXX me despite my never having done anything wrong. I have never been a day late or a penny short in meeting my unjust obligations, that I am not even sure were an obligation due to red lining and other last minute flim flams while I was in the hospital for XXXX XXXX, XXXX, XXXX XXXX, etc. In any case, I made my " red lining '' and " ARM '' contaminated high predatory sub-prime payments to XXXX XXXXOcwen, on my home loan that was signed up by XXXX XXXX and not XXXX XXXXOcwen who is destroying my life having robbed me of my health, my home of 30 plus years having never missed a payment, put me out of business and destroyed my credit and forced me into bankruptcy. I have been battling XXXX XXXX/Ocwen for years, and they continue to financially XXXX me while you watch, using my complaints along with others to collect fines for your benefit. I have filed two different complaints with the CFPB ( Case Number : XXXX submitted XX/XX/XXXX and Case Number : XXXX submitted XX/XX/XXXX ). CFPB is remiss in their duty of protecting me as a hurting consumer. XXXX XXXX/Ocwen keeps eating me alive and CFPB just sits back, oblivious to its duty of " consumer protection ''. There has been no follow up on my complaints, nor any follow up on the continued crimes of XXXX XXXX/Ocwen inspite of the many fines levied against them, they keep doing the same thing. Just the cost of doing business for them. I am still here, still fighting all alone with XXXX help the financial XXXX, Ocwen and XXXX XXXX, as I cling to my home they have been trying to steal from me with 30 years of equity, even though I never missed a single payment. Throughout this fight, I have been dealing with severe medical maladies that include XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many other dire medical conditions. The XXXX caused by XXXX XXXX/Ocwen is unbearable. I have lost my income, business, and so much time without any resolution. You have not helped me. You have no right to the title of " Consumer Protection, '' you do not protect the consumer! You allow the financial raping to continue. Never forget, Judgment Day is coming for you and others, individually and collectively for your failure to fulfill your fiduciary responsibility of protecting my interests and the interests of others like me. After they unjustly, illegally manufactured a default to foreclose on my home and falsely forced place insurance on my home when I already had insurance and it was proven to them two different times in mediation, and they still forced placed insurance on my home after being shown the policy and still took me to foreclosure even though criteria for foreclosure had not been met. I never missed a single payment, I had to jump into bankruptcy with moments notice to protect my home and file a pro-se appeal to fight for my home, complaining to you twice, and you never helped me. They are eating up my time ( statute of limitations ) and money, blown off RESPA laws, hearings, mediations, correspondence and this transaction is no different. They are doing this on purpose so that I wont be able to save my home. This breaching of confidentiality is their guise for ensuring they block my timeline for my appeals case which is me fighting to overthrow the unjust rocket docket foreclosure case along with other benefits to them that only you would know best, I am not a lawyer, I am grateful to GOD for not becoming a Lawyer and XXXX XXXX XXXX XXXX XXXX. XXXX XXXXOcwen when ordered by the bankruptcy court to enter mediation with me, which they have never complied in good faith, always pulling a " fast one '' to get out of it, decided to manufacture yet another requirement of their own pulling yet another " fast one '', that I fill out many pages for a loan modification even though the appeal is not yet over, and we do n't even know if the foreclosure is going to be thrown out. How can we establish a dollar amount for a loan modification, besides why would I get a loan modification from them?? That would be like forcing a woman back to her abusive husband who has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and she has finally run away and divorced him and she is being forced back into marriage again to continue this abuse, by the abusive law and the abusive courts. How does this make any sense at all??? They are thieves and they owe me money. Look at how many times they have been fined for countless reasons .... Dont you have some help for people like us? Im going to appeal my foreclosure, and am rapidly running out of funds due to Ocwen having robbed me clean, having to spend exorbitant amounts of money in trying to defend myself in the unjust court systems and now they want to double my payments from {$800.00} to {$1500.00}. My only income is social security which is {$10000.00}. Can you please send me some lawyers or legal help as I continue to fight these XXXX? In the event you think my rhetoric is harsh.you try having lost the twilight of your life, having experienced irreversible health, financial, and quality of life consequences through no fault of your own. I have attached the Loan documents of that poor woman whos privacy was violated due to XXXX XXXX/Ocwen breaking a federal law. How do I know they did n't send her my documents??? What do I do about that?? I am going to watch this case closely. Are you going to punish the pervasive, consummate criminals addicted to hurting others while stealing homes, life savings and equity, while breaking up their families and breaking federal laws in the process or have you become too much like them, feeding on their gains by levying microfines that they simply shrug of as cost of doing business? Will you again be an accomplice in their crime as you have countless times in the past, continuing down your beaten path of hurting the fragile helpless little guy who has no where to turn? I hope you make the right choice, after all.we are only here for a short time, and you will have to answer for your choices individually on judgment day. Your titles, your fancy buildings, and your fancy offices will not protect you nor will the illusion of power that you seem to think you possess. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Let us hope you make the right choice. The right choice is to make XXXX XXXX/Ocwen permanently stop their corrupt practices and release my deed, cancel my mortgage, and release my home to me and compensate me for all my lawyer fees, business losses, loss of my health and many other losses, including loss of my time in my twilight years that I have and continue to sustain. You need to do your duty so we the little guy will no longer have our lives destroyed and I will not have to get on my knees and XXXX XXXX XXXX XXXX, each one of you, starting with the lawyer Director from Ohio who runs your XXXX operation. It is the righteous thing to do, to XXXX XXXX, their pawns and obedient servants like you who have proven to be so in my experience with you, and that is all that matters to me under XXXX law. I await your response to me.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Mortgage not only charges a late fee if your mortgage payment is past is grace period, but also a {$10.00} " rush payment '' fee/ convenience fee. '' They wo n't take the payment unless its through XXXX XXXX, and XXXX is the one actually charging the fee. It 's unfair that their online system will not just accept the payment. For example if my payment was due on XXXX XXXX, and I do n't pay it until XXXX XXXX it charges a regular late fee, which is ok, but they will not accept the payment unless its through their XXXX XXXX it 's just seems unfair that they will not let me just pay my bill!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Started buying home XXXX ended up with subprime loan. My wife and I are seniors XXXX and XXXX XXXX XXXX an I am a XXXX XXXX with XXXX working for the government. We started having problems in XXXX and filed for a modification with Ocwen, nothing became of it. We filed bankrupt in XXXX and filed for another modification in XXXX and was led to believe that we had a modification until XXXX of this year XXXX XXXX ) and was told that we did not have a modification. We were told by XXXX XXXX XXXX in XXXX XXXX that they can and will refinance our home. They took {$550.00} for appraisal and the end of XXXX XXXX they told us they could not refinance. We contact XXXX in XXXX XXXX which we thought was this office and they took {$2500.00} of our money.We would call and could not get to talk with anyone. We are trying all we can to keep our home and continue to be taken through the ringer. We are at the point and do n't know where to turn to. We hope and pray that you can lead us in the right direction. If more information is needed, please contact us
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: OCWEN XXXX SERVICING, XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their malicious, deceitful/deceptive, fraudulent business operations ( See attached Exhibit D, http : XXXX and https : XXXX ) which includes, but is not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, XXXX 's products and services. How many bank account digits does OCWEN LOAN SERVICING, XXXX 's payment system REQUIRE to generate a payment confirmation? For example, can a consumer entered just XXXX bank account digits into OCWEN LOAN SERVICING, XXXX 's payment system and get a payment confirmation? There is NO civilian/citizen/consumer misunderstanding. Timestamped consumer bank records are available upon request to justify XXXX funds were available to pay ALL payment incidents in XXXX XXXX. For the record, OCWEN LOAN SERVICING, XXXX 's WEBMASTER ( XXXX XXXX XXXX show a login on XXXX XXXX, XXXX, but it now appears that OCWEN XXXX SERVICING, XXXX 's WEBMASTER ( XXXX ) created an instance/tampered with consumer records to CYA. Let me be CRYSTAL clear : I DID NOT login and cancel my XXXX XXXX, XXXX payment just to replace the payment again on XXXX XXXX, XXXX. I had to resubmit a payment on XXXX XXXX, XXXX due to OCWEN XXXX SERVICING, LLC FAILING TO PROCESS/WITHDRAW and APPLY MY PAYMENT CORRECTLY TO MY ACCOUNT on XXXX XXXX, XXXX. FUNDS WERE N'T RECEIVED BY OCWEN XXXX SERVICING, XXXX because OCWEN XXXX SERVICING, XXXX FAILED TO PROCESS/WITHDRAW and APPLY MY PAYMENTS CORRECTLY TO MY ACCOUNT. My incident is XXXX of many that have been cited as suspicious and malicious acts of fraud, collusion and corruption with other organizations affiliated/associated with/does business with OCWEN LOAN SERVICING, XXXX. Again, there 's class action litigation http : XXXX regarding OCWEN LOAN SERVICING, XXXX 's operations, XXXX include, but XXXX not limited to, malicious operations with OCWEN LOAN SERVICING, XXXX 's accounting practices XXXX XXXX XXXX ) I DID NOT and I NEVER cancelled my mortgage payment on XXXX XXXX, XXXX XXXX see attached files - Exhibit A as well as Exhibit XXXX which are Ocwen sourced Payment Receipts and Confirmation electronic records ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( XXXX ) failed to properly process and apply my XXXX XXXX, XXXX payment to my account and kicked it out of their system ( XXXX malicious incident in XXXX XXXX XXXX. I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XXXX XXXX XXXX XXXX See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC XXXX XXXX XXXX, XXXX. ( XXXX ) On XXXX XXXX, XXXX, OCWEN LOAN SERVICING, XXXX failed to process/apply my XXXX XXXX payment AGAIN on XXXX XXXX, XXXX XXXX See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit C ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( XXXX ) failed to process and apply my XXXX XXXX, payment/kicked it out of their system AGAIN ( XXXX malicious incident in XXXX XXXX XXXX. XXXX XXXX ) OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached consumer credit report document/file labeled Exhibit XXXX ). XXXX XXXX ) OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XXXX XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, XXXX XXXX XXXX department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC XXXX OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen ignore the Temporary Restraining Order from the XXXX XXXX of the State of California in an for XXXX XXXX of XXXX XXXX. Ocwen and their trustee XXXX, XXXX. XXXX XXXX and XXXX, XXXX continue foreclosure on our house, the sale date is XXXX XXXX, XXXX. Ocwen violate The California XXXX XXXX of Rights ( XXXX ) in many ways. I submit the loan mod on XXXX XXXX, Ocwen continued to charge late fees for periods during which a complete loan modification application is under consideration, during an appeal. Ocwen denial did not include a detailed explanation for their decision. XXXX requires the servicer to assign borrowers an accountable single point of contact ( XXXX ) to help navigate the loan modification/foreclosure process, upon request from a borrower who requests a foreclosure prevention alternative. I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Payment Errors : I need your company send me the complete payment history for this account from the day XXXX signed on the note : XXXX XXXX, XXXX Fee Errors : Your company incorrectly imposed a late fee. I need a breakdown for all the fee/cost/payment and any other amount on your reinstatement statement. Please be very specific and very detailed for single dollar you put in it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: As an additional matter, we have performed a review of the current loan activities with your company. Needless to say, we are alarmed with the manner in which we have been treated by your company 's representatives. Your representatives have made blatant misrepresentations causing us serious damages, including the potential foreclosure of our home. The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. Following is a summary of our Procedural findings : There are many legal issues here ; LACK OF CLARITY AS TO REAL PARTY IN INTEREST WITH STANDING TO FORECLOSE The Deed Must Follow the Note : Physical Separation of the Promissory Note From the Deed of Trust, Necessarily Results in the Permanent Severance of the Relationship between the XXXX Instruments, and Any Previous Ability of XXXX to Produce Any Causal Effect upon the Other is Extinguished We believe and allege in good faith the all foreclosure actions being presently carried out against us and our property is invalid. Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " G '' XXXX and the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " H '' ), that purportedly assigned all beneficial interests under the original Deed of Trust ( Exhibit " A '' ) to the purported foreclosing beneficiary, the XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates Series XXXX, was invalid by the very contractual rules that govern deposits of XXXX XXXX XXXX and Notes into this Securitization Trust. Also, this assignment would have resulted in the permanent separation of the Promissory Note from the Deed of Trust, and thereby converted the debt on the XXXX into unsecured debt. Chain of title in this case is unclear to say the least. The right to foreclose appears to sit with more than XXXX party but in actuality belongs to no part involved with this case. ( XXXX ) The first possibility is that only the Deed of Trust was assigned via either the Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " G '' ) or the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " H '' ), and not the note. The pooling and servicing agreement ( Exhibit " P '' ), which created the trust, does not allow ANY individual transfers into the trust after 720 days after the closing date ( Exhibit " P '', pp. XXXX ). The closing date on this XXXX XXXX was XXXX/XXXX/XXXX ( Exhibit " G '', pp. XXXX ). This would extend the maximum allowable time for the deposit of both the Deed of Trust and the Note, together, into this trust to about XXXX/XXXX/XXXX. This Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " G '' XXXX and the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " H '' ) were not executed until XXXX and XXXX respectively. These dates are XXXX and XXXX years after the outermost deadline allowed under the contractual terms of the pooling and servicing agreement. A proper, timely, and lawful transfer of this property into this securitization trust is a contractual and factual impossibility. Therefore, only the Deed of Trust was transferred and thus the XXXX only has possession and ownership of the Deed of Trust, not the note. The Deed of Trust alone is a nullity and has no authority to foreclose. In this case XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates Series XXXX did not possess the Deed of Trust in a timely manner it has no claim against this property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: This complaint is to follow up on the COMPLAINT # XXXX The complaint was sent onXX/XX/XXXX Ocwen replied on XX/XX/XXXXunder the supervision of the CFPB. Ocwen continued to send revised responses on XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXXAll this has caused confusion and they insist that despite the fact that the debt was discharged in Bankruptcy on XX/XX/XXXXthey insist in foreclosing because they claim that the beneficiary, who is the only entityXX/XX/XXXX should be dealing with can enforce the Deed of Trust. The Assignment if fraudulent, the chain of title is broken, assignments in order for XXXX XXXX ' Note and Deed of Trust of validly be transfererred into the trust, XXXX XXXX XXXX XXXX XX/XX/XXXX-W1. Corporate Assignment of Deed of Trust inXX/XX/XXXX was executed by XXXX XXXX and notarized by XXXX XXXX both are well known robo-signers and the same is true for XXXX XXXX. Although the video deposition was taken down and there paper copy of the deposition which is too big of a file to upload, here is the link XXXX XXXX XXXX The Corporate Assignment of Deed of Trust is bogus, this is not a valid " corrective assigment '' for it does not meet the regulations regarding filing a corrective assignmnt in California. See EXHIBIT H & I The Substitution of Trustee was prepared and signed by Ocwen, without mentioned Power Atty. This is not possible because per the Deed of Trust, Section 24, only the Lender can substitute the trustee. Exhibit G See attached Loan transaction history and Form 1098 ( Exhibit C & D ) this will show the financial irregularities with regards to XXXX XXXX ' loan and fraudulent entries in fact. Take special notice that in XX/XX/XXXX the principal balance was {$0.00} ... XXXX XXXX 'XX/XX/XXXXcredit report reflects this also. Securitization into the purported trust, XXXX XXXX XXXX XXXX XX/XX/XXXXW1 after reviewing the the governing agreements listed below, it is not possible VALID transaction and therefore voids the assignment of deed of trust and substitution of trustee recorded against his title at the XXXX County Recorders Office. 1 ) Sale and Servicing Agreement - Exhibit I 2 ) Mortgage Loan Purchase Agreement - Exhibit J 3 ) Amended and Restated Trust Agreement 4 ) Mortgage Loan Schedule Loan Modification Agreement with AXXXX XXXX XXXX XXXX XXXX can not be valid because they stated that they were the Lender in XX/XX/XXXX The agreement was not acknowledged, recorded at the land records. See suspicious fax transmittal document showing potential illegal transactions with XXXX XXXX ' Loan Modification application documents being used for the pretender lender 's benefit without XXXX XXXX ' consent. This must be addressed. This is potentially identity theft. The Note and Deed of Trust received by Ocwen is different from the original Notes and Deed of Trust that we downloaded directly from Ocwen 's website under the file name " MORTGAGE 33 PAGES '' onXX/XX/XXXX I did not upload all the documents for they were not relevant to this complaint other than the note and deed of trust. The Note and the Deed of Trust in this file was the True and Certified copy and it is not indorsed. The copies being mailed to me repeatedly are with fraudulent indorsements. See Exhibit M and all the Exhibits. Exhibit M is a part of a prepared statement of XXXX XXXX XXXX Esq., XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. See page 6. It will show XXXX XXXX missing assignments with regards to the trust, XXXX XXXX XXXX XXXX XX/XX/XXXX-W1. Again, see all attached EXHIBITS that proves that Ocwen, XXXX XXXX and other third parties involved have not authority passed on to them and have no authority under the NOTE AND THE DEED OF TRUST. Rescind the Notice of Default, Notice of Trustee Sale and remove the cloud and slander against my once, good title. The title is clouded, broken and is unmarketable. Respectfully submitted, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a XXXX at my residence in XXXX XXXX, the property was deemed a total gut, by the insurance company. I 've started the process of repairs after being paid by the insurance company. The mortgage company is in possession of the funds. After a mortgage ordered inspection, which was deemed to be XXXX % of the work completed, it was lowered to XXXX %, after review by their inspection team. " According to the mortgage company the pictures do n't justify the percentage. I have still been paying the mortgage monthly, I 'm in XXXX XXXXg the policy limits will be reached next mo th, then I will be responsible for the rent which is XXXX and my mortgage which is XXXX per month. I need the .mortgage company to cooperate and release the remaining funds, so I can compleye the need repairs so I may return to my home by next montj
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I started a loan Mod. With OCWEN & they stated after 4 time 's sending them all the info they requested they are saying they never received it but when I call they say they received it but the info from XXXX XXXX XXXX was the wrong paper work needed & so I went & got the new info right from my bank & SSD & SSI & again they say they did not receive it & then I get a letter from them saying it was not the correct info that they needed & now last month they are to take the payment out of my bank automatically on the 15th of every month {$890.00} but last month XXXX/XXXX/XXXX they did not take it out & I called them & said a late payment was applied & after arguing with them for over a hour with a person that could not speak or understand English what so ever said I would have to file a dispute & I said no this is OCWENS fault & he said they will foreclose on me for not making payments on time & I said they were the one 's that did not take my payment & finally he said it was there fault & he would fix it but not this month XXXX/XXXX/XXXX it is now XXXX/XXXX/XXXX & they still have not taken payment out again & I am so afraid that they are going to try to foreclose on me like they have done with a LOT of others. I have never missed or been late on payments until after I started this loan mod that I wanted a refinance of my loan with them since I have great credit but I think OCWEN is trying to make my credit bad with not taking my payment on the date due & trying to charge me late payments that was late because of them. Also over the years I have paid more on insurance & Taxes that was needed & when I asked were the extra $ went, I got hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A