Consumer complaint received 2022-08-25
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX, I want to report that XXXX XXXX XXXX XXXX XXXX filed a False Proof of Claim in my XXXX # XXXX / Adversarial Proceeding Case # XXXX in the CA XXXX Bankruptcy District Court on XX/XX/XXXX. Attached copy of XXXX Bank XXXX XXXX, Proof of Claim filed by XXXX XXXX, attorney at XXXX XXXX XXXX, XXXX and Copy of my Adversarial Proceeding Case file on XX/XX/XXXX. 


In addition, XXXX XXXX in my XXXX XXXX Superior Court Case XXXX in XX/XX/XXXX provided 263 pages of Production XXXX in which they included three different versions of the alleged Fixed/Adjustable Rate Note on pages 117, 127 and 144 out of 263 Pages, which likely reveals counterfeiting ( Copy Enclosed ). 


Therefore, I hired XXXX XXXX, Private Investigator to conduct two Audits of all documents of the alleged loan, assignments and documents provided to the courts and provide a Declarations of his findings under oath and Penalty of Perjury. 

The First Audit and Declaration by XXXX XXXX was Notarized on XX/XX/XXXX, uncovered numerous violations and issues including the following ( Attached copies of the Audit the following reports ) : 1. CFPB/Plaintiffs States Consent Judgment against Ocwen Loan Servicing , Dated XXXX XXXX, XXXX for Violations, among other laws, the Unfair and Deceptive Acts and Practices Law of the Plaintiffs States and the Consumer Financial Protection Act of XXXX. 


2. XXXX XXXX XXXX Deposition and Testimony on XX/XX/XXXX, acknowledged robo-signer, signed thousands of documents without first hand knowledge. 

3. XXXX XXXX Bank, FSB vs Meisel Case Decided XXXX XXXX, XXXX. 
Notice of Pendency Cancelled and discharged and further Ordered that Counsel for XXXX Bank XXXX Bank XXXX, XXXX XXXX XXXX and Firm XXXX and XXXX, XXXX engaged in " Frivolous Conduct '' defined administrator in Rules of XXXX XXXX ( c ). 

XXXX. Consent Order, US Office of Thrift Supervision against XXXX Bank, XXXX dated XX/XX/XXXX for " Unsafe practices and initiation/handling of foreclosure proceedings Under OTS 's Finding : 2 ( 2 ) " Litigated foreclosures and bankruptcy proceedings and initiate non-judicial foreclosures proceedings without always ensuring that the promissory note and mortgage document were properly endorsed or assigned and if necessary, in the possession of the appropriate party at the time. '' The Second Supplemental Audit and Declaration by XXXX XXXX XXXX, Under Oath and Penalty of Perjury, completed on XX/XX/XXXX New Facts Revealed ( Copy attached ) : Deceptive New Gap Assignment as Indicia of Fraud... 
Proof of Claim- Gap Assignment Corporate Assignment of Deed of Trust on Page 2 of 15 of Audit/Declaration : " Rather than Executing any type of corrective assignment to address or remove the fraudulent " XXXX XXXX '' assignment from the land records of from the facts presented to the state court, XXXX ignores and omits the " XXXX XXXX '' XXXX in the Proof of Claim ALLTOGETHER even when PHH had previously sought Judicial Notice of said assignment on XX/XX/XXXX. '' On page 9 of 15 of Audit/Declaration : " Claimant Trust has never owned or possessed the XXXX Note because the " Trust '' was never formed because the Transaction discussed in the SEC filings never occurred. '' Three Different Versions of Note Reveals Likely Counterfeiting On Page 11 of 15 on his Audit/Declaration he states : " It appears that on the same very day, the same person who executed the certification, executed a different Certification of the Note. Both Notes produced in the State Action Court are different than the Note produced in this Matter in Claimant 's Proof of Claim, which shows two blank endorsements one on " page 5 of 5 '' and the other on the Value has been Given : On Page 14 of 15 of Audit/Declaration he states : " I have seen NO evidence that the Claimant paid valuable consideration to any party for the subject Note in this matter or the Trustee ever took possession of said " original note '', properly endorsed on or before the Trust 's closing date of XX/XX/XXXX. 
I can state with near 100 % Certainty that NO party seeking to enforce the remedy of foreclosure and collection of any alleged debt in this matter can not/ will not produce any verifiable accounting to show the subject loan as an account receivable on any books or records of the Claimant Trust. '' In conclusion, I want to also report that the XXXX XXXX XXXX in the XXXX XXXX Superior Court of California / Sixth Appellate Court Case, and most recently XXXX XXXX XXXX in my Bankruptcy Adversarial Case have ignored XXXX XXXX 's Investigation, Audit and Declarations provided under oath and penalty of perjury. 

I'm demanding XXXX XXXX XXXX XXXX XXXX to cancel Notice of Trustee Sale Scheduled for XX/XX/XXXX and expunge the all instruments recorded on my property XXXX XXXX XXXX XXXX, CA XXXX, at the XXXX XXXX XXXX XXXX XXXX. 

respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation