Consumer complaint received 2019-08-29
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ocwen transferred what they say a mortgage to PHH mortgage. I disputed Ocwen as the lender of the home. Ocwen presented XXXX XXXX XXXX, Ocwen filed a false proof of claim as XXXX Bank as the owner of an asst XXXX trust. Ocwen claimed it was transfered to them given Ocwen the loan to my home. Ocwen was sued in XX/XX/XXXX by 49 attorney generals, Ocwen was sued in XX/XX/XXXX by 49 attorney generals. Ocwen attoney XXXX XXXX stood before a Judge in District Court and received a XXXX as Ocwen could not prove the lender of the home. Ocwen and XXXX Bank lied to the bank ruptcy court as they were part of a XX/XX/XXXX Making home affordable loan. Ocwen has committed fraud by transferring the loan, Ocwen commited fraud by stating they are the lender of the home. 

The FDIC XX/XX/XXXX took the loan from XXXX as they became insolvent and gave the loan to XXXX bank. XXXX XXXX bank and i modified the loan in XX/XX/XXXX under the  making Home affordable plan. Ocwen lied and said that XXXX Bank was the lender. 
The XXXX Circuit Court opinion stated that XXXX Bank is an unsecure creditor and they were not able to retain the loans as they did not have the funds. The loans was sold to XXXX bank. XXXX XXXX created an unemployment agreement with me in XX/XX/XXXX. The  last payment was XX/XX/XXXX care of XXXX bank via Ocwen. 

I sent a certified letter to Ocwen, PHH and FDIC. Requesting who owened this loan. As I did not know that XXXX sold my loan. XXXX and XXXX Bank was sued for HUD Fraud. My home was sold to me via XXXX XXXX in XX/XX/XXXX in the bill of sale it stated HUD settlement which mean funds was recevied via XXXX XXXX under hud. XXXX found a buyer XXXX and sold the loan. XXXX did not do a transfer of assignment in XX/XX/XXXX when they sold the loan. XXXX Bank purchased XXXX in XX/XX/XXXX7. XXXX bank purchased XXXX Bank loans from the FDIC. As XXXX and XXXX Bank was sued for hud fraud, false claim act etc. FDIC took the loans from XXXX Bank an sold them to XXXX bank in XX/XX/XXXX. The security and Exchange Comissions shows a new loan date at XX/XX/XXXX and closing XX/XX/XXXX this was not done correctly according to the FIDC plan. Doing this process I was never notified of all the issues. XXXX became Insolvent in XX/XX/XXXXand the loans were taken and given to XXXX bank who did not create an assignment. Ocwen took over the loans XX/XX/XXXX and created assignments in real property using XXXX in XX/XX/XXXX the same time as the FDIC sold the loans to XXXX bank. FDIC does not create Assignments. 

Ocwen some how received the loans in XX/XX/XXXX Ocwen is a debt collector who violated debt collector laws and do to their own negelet stalling to write the loan, creating missing documents, sending the modificaiton after the first payment due date is why no modificaiton was done with Ocwen. Ocwen never created a contract or consideration between the two of us. Ocwen changed their name to PHH mortgage sent a blue slip XX/XX/XXXX stating they were in the process of transfering the loan to PHH mortgage. Ocwen once again violated the law and Real Estate real estate settlement procedures Act. False  Claim Act, Debt Collection Act, Federal Trade Act. As we can see the loan was a fraud from the start. Ocwen some how has gotten a copy of my adjustable rate note, which is now fraud as it was under Hud fraud making the entire contract void. 

Mortgage Financial Fraud is Illegal PHH MORTGAGE IS OCWEN and committing fraud PHH never sent a welcome Letter according to RESPA laws. I request all items be sent certified mail. 

PHH sent a letter after I requested a full distribution of the the loan. They realize no welcome letter was sent via RESPA. They sent a correction letter stating the amount of the loan was not correct in the welcome letter I never recevied anyway. 

I recevied a blue slip that Ocwen was in process of transfering the loan to PHH Mortgage and would still be around to asst in the transfer. I did not get a letter or the date when this transfer would take place a violation of RESPA laws. They also violated bankrupcy laws by sending communication to me while in a active bankruptcy. STOP THE HARASSMENT!!!

Company response to consumer: Closed with explanation