Consumer complaint received 2016-05-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
THIS BANK IS NOT THE INVESTOR - per their own statement and per statements stating would be Impossible to be INVESTOR - yet for this same reason XXXX XXXX XXXX has caused havoc on my entire life for the past 10 years. This firm has allowed misrepresentations to cause massive harassment on a daily BASIS TO A BORROWER THAT HAD INTENTIONS THAT WERE GOOD AND MET WITH DECEPTIVE PRACTICES BY that of a servicer claiming can not be reasonable due to XXXX stating would NOT ALLOW any of the 10 years of waiting for a good outcome. Instead abuse on every XXXX Investor guidelines for complete package for 7 days - Internally XXXX XXXX XXXX acting as a Servicer for this alleged XXXX as trustee claimed Investor they took it upon to also use reasoning NOT BY CALIFORNIA STANDARDS BUT BY FEDERAL STANDARDS OF 37 DAYS. California Laws are shorter. They have stated that the investor being NEW YORK MELLON BANK AS TRUSTEE -- STATING AFTER GIVING ME HOPE AFTER THREE TIMES FILING DUAL TRACKING MISREPRESENTATIONS. While is a review they posted a sale on my house then lied and stated that I was not in review. XXXX mailed items prove opposite. Then when informed that fraud, forgery and illegal origination documents with false claims being made and payments being made to closed paid off loans they in turn created a new history. XXXX XXXX XXXX continues to create alter and fabricate now having XXXX versions of NOTES ; False and FAKE assignments ; and constant lies and deceptive practices on a " Daily '' basis. That this firm hired to Service a loan that was accelerated in 2007 ' by a written letter expired under Statutory of Limitations and under CA laws XXXX. Then during each regulators lawsuit caused borrower distress by pushing off results making false promises and continually creating bogus stories as to why they could not accommodate the promised rewrites on these FAULTY ORIGINATION LOANS OF THE MOST ABUSIVE COUNTRYWIDE LOANS. THAT THIS WAS PART OF A PONZI SCHEME IN WHICH XXXX Stole money from borrower. This was admitted and was to be rectified. XXXX XXXX XXXX is pretending to service a Loan for a Trustee that has stated they are NOT the Investor and NOT possible. That they do not set any standards and have not had any such statements as Bof A keeps claiming. The Assignment was done by a robo signer ; XXXX XXXX XXXX who uses XXXX distinct names simultaneously obviously NO TRUST WOULD PURCHASE A LOAN 4 YEARS LATER AND NON PERFORMING -- XXXX XXXX XXXX HAS CONTINUED TO LIE AND DECEIVE BORROWER HAVING NO GOOD FAITH EVER. THAT THE SAME SUPERVISORS ARE ACTING IN ROLES TO HARASS AND DECEIVE AND BANK XXXX AS TRUSTEE CLAIMED AS INVESTOR IS ALLOWING MASSIVE ABUSES AND OVER XXXX HOSPITALIZATIONS FOR EMOTIONAL BREAKDOWN OF FAMILY MEMBER FROM OVER XXXX SALE DATE THREATS SOMETIMES WEEKLY THREATS. XXXX BANK UPON CONTACTING THEM 3 TIMES EACH TIME STATES " THEY ARE NOT THE INVESTOR '' YET BANK XXXX XXXX CONTINUES TO STATE THEY ARE ACTING ON BEHALF OF INVESTOR. THIS IS ABSOLUTE HARASSMENT TO BORROWER. I now hold false notes ; and wrong parties also holding wrong versions of newly created notes. This is fRAUD FRAUD FRAUD FRAUD FRAUD AND FORGERY. FORGERY IN THE LOAN DOCUMENTS AND NOW FORGERY ONTO FEDERAL COURT IN A MOTION FOR RELEASE OF STAY. THIS IS ABSOLUTELY CORRUPT BUSINESS PRACTICES TO ALLOW A SERVICER OR ALLEGED SERVICER TO ACT IN SUCH DECEPTIVE PATTERNS TO HARASS AND RUIN ENTIRE LIVES. THIS IS UNACCEPTABLE. UNCONSCIONABLE LOAN THAT HAD NO POSSIBILITY TO PERFORM. NEW YORK MELLON BANK AS TRUSTEE HAS ADMITTED THEY ARE NOT THE INVESTOR AND SOMEHOW ALLOWING THIS ABUSE. OFFERS WERE MADE THAT WOULD PAY BACK AND EACH TIME IGNORED. BANK XXXX XXXX HAS CONTINUED TO CAUSE HARM AND HARASSMENT AND INCLUDING BREAKING INTO BORROWER 'S HOME BY OTHER FALSE SUB SERVICER HARMFUL PATTERNS TO INTIMIDATE BY FORCE. THIS IS UNACCEPTABLE

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