Consumer complaint received 2015-12-19
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ocwen Loan Servicing , LLC failed to respond completely to a QWR composed XXXX/XXXX/XXXX. Ocwen did notify me that an extension would be needed to adequately respond to requests for production & answer questions. However, their Research Department sent the final/ incomplete response prior to the extension deadline of XXXX/XXXX/XXXX. 
A follow-up to the initial QWR ( QWR # 2 ) was sent from me to Ocwen on XXXX/XXXX/XXXX explaining that their response was unsatisfactory/incomplete and that it was my hope that a complete Response would be sent to me by the deadline of XXXX/XXXX/XXXX. This did not happen. Instead, Ocwen has sent duplicate packets of incomplete information hoping that they will suffice. 
In an effort to avoid sending an extremely long & complicated QWR that may be construed by Ocwen as being overbroad, I have sent XXXX additional QWRs to Ocwen ( # 3 and # 4 ) XXXX dated XXXX/XXXX/XXXX. QWR # 3 was composed to reply to Ocwen 's Response letter & ask additional Servicer-related questions. QWR # 4 was composed to record an inventory of the information that has been sent by Ocwen thus far & to explain which requests for production & answers remain outstanding. 
My mortgage was never registered with MERS ; so, all transfers of title should be recorded with XXXX XXXX, Colorado. According to the information made available to me by Ocwen, documents produced by XXXX XXXX XXXX XXXX formerly XXXX XXXX, & documents recorded with XXXX XXXX, Colorado, there had been no transfers of title since the inception of my mortgage with XXXX XXXX Mortgage XXXX ( XXXX/XXXX/XXXX ) until, coincidentally, XXXX XXXX, XXXX. Since XXXX XXXX filed for Chapter XXXX Bankruptcy XXXX/XXXX/XXXX, XXXX would think that at least XXXX transfer of title would need to have taken place prior to, on, or about that date, but that is not the case. Using this publicly recorded data, it is my claim that Ocwen has, as a knee-jerk reaction to my inquiries, fabricated a " XXXX XXXX of Deed of Trust ''. Additionally, Ocwen has filed this fabrication with XXXX XXXX, Colorado as of XXXX/XXXX/XXXX. In short, it seems as if my mortgage loan has not been funded since XXXX XXXX, XXXX. A XXXX/XXXX/XXXX HAMP modification agreement names no investor or lender ( only HomEq as the Servicer ). 
Per my original mortgage contract, I am obligated to defend generally the title to the property against all claims and demands. I believe the " Assignment '' filed by Ocwen maliciously slanders my title ; thus, after speaking with the Recorder 's office was given permission to file a Notice of Defective Title with XXXX XXXX, Colorado. 
Per discovery thus far, I do not believe Ocwen, as purported Attorney-in-Fact for XXXX XXXX, has standing to be considered a party to my mortgage contract. However, I will abide by my contractual agreement by not initiating or joining any judicial action regarding a breach of any provision of the security instruments by the other party until I have served Ocwen with a formal Grievance and allowed Ocwen the lawful time period in which to respond. 
As an aside to the title matter, after having had time to compare & contrast documentation regarding my mortgage loan transaction from Ocwen and XXXX XXXX, there are blatant Truth in Lending violations that do not necessitate forensics to understand. As XXXX dive deeper into this investigative process, in retrospect, it is clear to see that I was a victim of predatory loan practices, appraisal fraud, & put on a dual-track modification path. I will be outlining all of these items in more detail in a formal Grievance after I receive Ocwen 's Response to my latest QWRs. I will update the CFPB accordingly. 
I appreciate you consideration & thank you for the opportunity to relate this information to a third party. Please feel free to contact me for further questions or concerns. 
Respectfully, XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation