Consumer complaint received 2015-06-26
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Respond to: XXXX 
This is a formal complaint relating to a Homecoming XXXX  \ GMAC\ Residential  XXXX \ XXXX  sale  on XX/XX/XXXX foreclosure.  
Documents indicates XXXX Morgan  foreclosed     on  XX/XX/XXXX
 Further noted, XX/XX/XXXX foreclosed on the property, by The Bank XXXX.    Question prevails of which mortgage servers had LEGAL STANDING. How binding were the Substitute Trustee appointment.  I hereby, request a official review of all past and current Register of Deeds  with XXXX Register Of Deeds to validate for accuracy.
The NOTICE OF ASSIGNMENT , SALE OR TRANSFER OF SERVICING RIGHTS  created  XXXX  . Currently  XXXX  is a company delisted   since XX/XX/XXXX. Formally, know to grant a mortgage for XXXX. resident.
This  foreclosure results requires  immediate  review  and  correction of any wrongful  laws.  I had  been a home owner at the residence since XX/XX/XXXX with  eviction from the property date  XX/XX/XXXX
The foreclosure has created undue stress,  family  hardship , stress for my spouse and  myself.  Within, the month of XX/XX/XXXX, I was in the process of retiring .  In the month's XX/XX/XXXX to XX/XX/XXXX I was not  healthy for the type of work I was assigned.     Nonetheless,   a disaster for the family was created with the foreclosure, loss of income, court fees, moving expenses, attorney fees for XXXX different attorneys, misrepresentation with disbarment of the XXXX attorney, relocation at XXXX residents, deposits and rent fees, transfer of electric services, credit tarnished -- a lien on the property from Citi Financial that continues to show on my credit report and unable to secure Retirement Benefits until XX/XX/XXXX.  Uncertain of how the foreclosure status on my credit report will be removed  or discharged with balance of  $XXXX   GMAC  MORTGAGE /  HOMECOMING XXXX.  ORIGINAL SERVICER  XXXX.  a delisted company.
Seeking review for a $XXXX bond that was placed on the property thru the Courts.    With no  DUE PROCESS  this   seems to be a cover up.  XXXX loan modifications were requested with no results.   No response was ever given for acquiring a loan modification with XXXX requests.  In  as  much , XXXX   loan     modification paperwork   was inclusive to record  XXXX on a document  and appears to fraud...DOCUMENT AVAILABLE FOR  REVIEW...  The XXXX was inclusive as if this was part of a down payment in the modification process.  However, the modification was never approved and  foreclosure  procedures were mandated , with every piece  of personal  property placed on the curb side in front of the resident . for a public display and  scavengers to steal possessions owned by my family.  
 In XX/XX/XXXX,    I experienced issues with late payments and requested a loan modification.   
DOCUMENTED      XX/XX/XXXX    XX/XX/XXXX.   A workout   /or repayment plan is documented with a notice from Homecoming XXXX.
Within the terms of the agreement it was determined that
Homecoming XXXX   approved a REPAYMENT PLAN   
DOCUMENTED    XX/XX/XXXX - XX/XX/XXXX   Payments are part of my immediate   file on record.   I request an audit of my payment for this mortgage.   In addition, a forensic audit has to be reviewed and submitted for my  account, with original  late fees ,home  insurance , private mortgage insurance county and city tax payments  any work out repayment plans , all foreclosure sale dates   for XX/XX/XXXX--XX/XX/XXXX--XX/XX/XXXX--XX/XX/XXXXXX/XX/XXXX. These are payments reviews I can account for as noted :     Payments history  with receipts XX/XX/XXXX  --  XX/XX/XXXXXXXX 
XX/XX/XXXXXXXX  XX/XX/XXXXXXXX   XX/XX/XXXXXXXX XX/XX/XXXXXXXX
XX/XX/XXXXXXXX    XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation