Consumer complaint received 2016-07-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The servicer is OCWEN who has scheduled another foreclosure on my property on XXXX XXXX, XXXX, which I would like cancelled. This case is connected to XXXX others, all interrelated including a natural or man-made disaster case, # XXXX, and a consumer law violations case, # XXXX. This complaint is about OCWEN 's violating the requirements in the Consent Order concerning application of the NMS to OCWEN by the NY State Dept or XXXX Services and the CFPB ( hereinafter referred to as the " NMS Consent Order '' ). 
The issues here are continuing ones about OCWEN 's attempting to foreclose on my property on XXXX XXXX, XXXX despite an outstanding offer to buy the property, a request for a moratorium of 90 days to address natural and man-made disasters that have hit the house, despite the fact that the house is underwater, despite the fact that XXXX other complaints have been filed ; XXXX concerning the natural and man-made disasters, and the XXXX about the plethora of consumer law and NMS Consent Order violations that OCWEN has committed that prohibit any foreclosure, and need to be addressed. 
This complaint focuses on violations OCWEN has committed of specific NMS Consent Order requirements that go to the heart of the Consent Order on issues like -- robosigning and fraudulent assignments, broken chain of title, dual-tracking, the effect of unendorsed Notes in securitization and lack of standing to foreclose. 
A final issue involves voiding the transaction because of unlicensed brokers and lenders making home or mortgage loans without a lending license, or a corporation not being registered in the state where they conduct significant business. I have provided documentation proving assertions that the mortgage bank involved here, XXXX, was not licensed and not a registered corporation based on a proper examination of the documentation in the case ; so the loan is void. This and the other issues are fundamental to the NMS Consent Order in terms of making sure any action taken is based on proper and legal documentation. However, despite calling their attention to these issues, OCWEN has made the decision to ignore the facts in violation of the NMS Consent Order. 
ROBOSIGNING. Robosigning is fraud whereby people sign other 's names, claim official bank titles which they do not have, notarize falsely, or otherwise fill out and sign important real estate documents without any authority whatsoever. Robosigning companies were set up to service the banks and trusts to make up documentation the banks and trusts could use to complete their files so they could foreclose on borrowers with impunity. 
Companies like XXXX and XXXX had robosigning mills until the publicity shut them down. Now the big banks and servicers have specialized units under other corporate names to do the same thing as a matter of convenience if they are missing paperwork because loans were made so fast between XXXX to XXXX that documents were often missing. Some of these quieter robosigning operations work in Florida, South Carolina, Mississippi, California and Iowa. 
Fraudulent or forged real estate documents like deeds, assignments, allonges, and affidavits for foreclosure are documents that when discovered are marked VOID. The chain of title is also broken. Real estate titles can not pass by virtue of fraudulent documents. If a document is determined to be fraudulent it has to be replaced legally if it can or else no title can pass with the fraud and the alleged owners claiming title to the property do not have authority to foreclose, nor standing to bring actions to claim and take the property because they have no ownership due to the fraudulent documents. 
XXXX robosigner on a document makes it fraudulent and void. I have XXXX robosigners on XXXX different assignments related to my property. Exhibit XXXX contains the first page of the security deed for refer

Company response to consumer: Closed with explanation