Consumer complaint received 2017-10-18
Company: Ocwen Financial Corporation
State: CA
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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation