Consumer complaint received 2023-02-04
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I refinanced my property on XX/XX/XXXX with XXXX XXXX. XXXX informed me that they were an in-house lender and that it would not sell the mortgage. 

On XX/XX/XXXX, Wells Fargo filed a Petition to Enforce Promissory Note with Recognition of Mortgage seeking to Enforce the Promissory Note. 

On XX/XX/XXXX I disputed the authenticity of the mortgage and the amount owed. 

XXXXXXXX XXXX was claiming to be the servicer of the mortgage at this time and claiming Wells Fargo as the as the owner of the mortgage. 

On XX/XX/XXXX, during litigation, XXXXXXXX XXXX informed me that they were transferring servicing of the mortgage to XXXX XXXX 

Shortly thereafter, XXXX XXXX informed me that XXXX XXXX had transferred servicing rights to them. 

I immediately contacted XXXXXXXX XXXX and informed them that the case was in litigation, and that I was disputing Wells Fargo 's claim of ownership, and Wells Fargo'sXXXX 's presentation of a fraudulent assignment of Mortgage from an XXXX employee acting on behalf of XXXX, falsified Affidavits of Amount Owed and a forced place Insurance against my property and an erred and substantially inflated Affidavits of amount owed. 

These Affidavits of Amounts Owed are the identical Affidavits XXXX was prohibit from ever using again in a suit filed by the CFPB. XXXX followed with the same identical Affidavit with a substantially increase in amount owed. 

After informing XXXXXXXX XXXX of this and notifying them that I was going to file a complaint with the CFPB, they notified me of a " Notice of Ownership Change '' on XX/XX/XXXX, and a " Notice of Servicing Transfer on XX/XX/XXXX informing me they were transferring the subject mortgage to XXXX XXXX 

XXXXXXXX XXXX followed up with me informing me that they were now servicing the mortgage. I informed XXXX XXXX that I was disputing the authenticity of the mortgage and the amount owed. XXXXXXXX XXXX failed to respond to my phone calls and are sending me monthly statements with a {$50000.00} increase in amount owed. 

On XX/XX/XXXX, the trial court Granted Wells Fargo Summary Judgement against me. 

On XX/XX/XXXX I filed a " Notice of Intent to Appeal '' On XX/XX/XXXX, the Appellate Court reversed the Trial Court 's decision finding Wells Fargo failed to meet its burden to establish that it is the proper party to enforce the promissory note at issue. 

As mentioned above, on XX/XX/XXXX, I received a " Notice of Ownership Change '' verifying the subject mortgage was transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX not in its individual capacity but solely as Trustee of XXXX XXXX XXXX XXXX. 

Wells Fargo claims to be Trustee in its Petition against me on XX/XX/XXXX. 

Wells Fargo is not the holder of the promissory note and has never acquired it as claimed. 

Wells Fargo and XXXX XXXX  have presented Falsified Affidavits of Amount Due, a Fraudulent Corrective Assignment of Mortgage from an XXXX employee XXXX on behalf of XXXX, and a forced place Insurance policy on my property that refused to pay for damages storm damage. 

XXXX XXXX, claiming to be the new servicer has sent me notice of another forced place insurance with the same company that refused to pay for damages in XXXX. 

I litigated the matter back in XXXX, but the judge could not conclude the actual amount owed on the property so the case was dismissed. 

I have over {$100000.00} of repairs that yet remain to be repaired due to the forced place insurers refusal to cover damages incurred my home. 

My Mortgage amount owed back in XXXX was {$37000.00}.

Company response to consumer: Closed with explanation