Consumer complaint received 2018-04-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) XX/XX/XXXX I learned via a notice on the door XXXX XXXX via OCWEN foreclosed on my rental. It was XXXX XXXX on the eviction notice. 
2 ) I responded to their attorneys I had a long term lease and was entitled to stay to the endo of my lease, under both Federal and CA state PTFA. ( Protecting Tenants at Foreclosure. ) 3 ) They filed an eviction anyway, in violation of PTFA. 
4 ) I responded to their eviction, and included my lease. I also stated they did not have duly perfected Title which in California is required to evict. XXXX XXXX withdrew the eviction. ( # 1 ) 5 ) However, XXXX XXXX never acknowledged or acted as a landlord, an issue I will save for another complaint. 
6 ) In XX/XX/XXXX I wrote XXXX XXXX attorney a letter describing severe Geological issues which are a matter of life and death, with a report from a Geologist I hired, after I learned there was a previous mud slide which had caused 5 feet of mud in the backyard and caused the house to be evacuated. The Geologist report stated the house was A danger to life and limb. 
7 ) In the same letter, and in the prior eviction attempt which included an agreement for things at the house that needed to be fixed, I also told XXXX XXXX about other dangerous issues with the house. 
8 ) I found dangerous black stachy mold in the house at the same time, and sent their attorney pictures, along with their realtor. I notified them I would give them 48 hours to give me their management company to fix the mold, or I would repair it and charge them. They ignored me. 
9 ) I offered to buy the house, to fix the immediate and life or death issues and keep it from being red-tagged, expecting they would be willing to sell it. They already had it for sale in online auctions, despite our right to be here. 
10 ) In XXXX, XXXX XXXX XXXX responded by filing another eviction. 
11 ) I replied again to that eviction with my lease, showing it was 5 years. At this point they had a letter and two eviction responses with my lease. Its impossible they did not know I have the right to be here. 
12 ) Despite having evidence to know I have a right to be here, and multiple conversations with XXXX XXXX by my attorneys -- XXXX XXXX continued to try to evict me for four years. 
13 ) Having experience with wrongful foreclosure, I researched the property deeds, and found the first loan assignment was 3 years too late, and signed by XXXX XXXX which was a pseudonym used in the forgery house DocX. In short, the assignment was forged. 
14 ) I then researched the remaining deeds, and determined they were also forged and fraudulent for various reasons. 
15 ) In California, by case law, people can not be evicted from a home where the person claiming ownership has not properly followed our non judicial foreclosure laws. This includes renters. 
16 ) In short, I educated and pressed my attorneys to obtain proof any proof at all that XXXX XXXX had any interest in the house they claim. XXXX XXXX has never in 4 years been able to produce such proof. 
17 ) We finally had a joint deposition in XXXX, XXXX. I presented evidence XXXX XXXX stole the house, and did not have a right to evict my family. 
18 ) Based on this deposition, we also learned XXXX XXXX and OCWEN do not have a process to follow the law for renters at all. So across the US, every renter when XXXX XXXX and OCWEN obtain a house, despite Federal law and CA state law, are being illegally evicted. 
19 ) XXXX XXXX finally withdrew their bogus eviction, the Friday before trial the next Monday. 
20 ) Now they owe me for the attorney fees they forced me to pay, and repairs I have been forced to incur on their behalf. 
21 ) We have sent them multiple demands, and they have not paid me a dime, acknowledged their need to repair this house before its red-tagged, or taken on their landlord responsibilities. 
22 ) Just this last weekend, I spent all weekend cleaning up the INSIDE of the house from a persistent rat problem that, despite spending almost {$10000.00} of my own money, has reduced the rat infestation but has not eliminated it without repairing the failing walls and siding the house. 
23 ) They also owe me a significant amount of money for their wrongful eviction attempts, and I want it back. 
24 ) They have further damaged my family, who already spent 6 years of their childhood fighting an illegal foreclosure and eviction. My son is XXXX and change is his trigger. Trying to illegally evict us has caused him to have stress and extreme XXXX XXXX, XXXX, further struggle in school, and outbursts. Not to mention, safety issues as our home is listed as a foreclosure for sale to this day, and people just wonder onto our property. We have even found people in the back yard!! I had to change the locks, as a key came up missing.

Company response to consumer: Closed with explanation