Consumer complaint received 2017-02-24
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XX/XX/XXXX, Ocwen accelerated our note despite no default. We won THREE times due to NO STANDING & once for false caption ; their next appeal is next month. In the course of defending we found they are allegedly representing a dead entity using proof of ownership somehow provided by a lender that also does not exist. They have a copy of an unendorsed note only - that I provided. They have used a rotating cast of fantastical undated allonges that are voided/replaced/reordered based on each loss to try to correct the deficiencies found by the court. The final allonge - undated but alleged to have occurred in XX/XX/XXXX was signed by a former handyman who only began working for Ocwen in XX/XX/XXXX - and is now signing as the trust 's attorney in fact.In XX/XX/XXXX they recorded an " assignment '' allegedly created by MERS on behalf of a lender defunct for 10 years, directly into a trust that has been closed for 10 years. The assignment instructions say return to Ocwen - yet the address given is XXXX in Idaho. The " investor '' MERS listed PRIOR TO the assignment WAS NOT the alleged conveying lender on the doc ( and in fact that lender has never been listed in MERS. ) The investor MERS listed AFTER the alleged assignment is NOT the recipient trust to whom they claimed it is now assigned. They have recently " discovered '' a new loan mod that we allegedly signed in XX/XX/XXXX ( with a fax number at the top belonging to XXXX - dealmaker for the alleged owner trust ) My husband 's signature is obviously, comically forged and my signature appears to have been cut and pasted. The alleged loan mod did not change our payment - it simply changed the interest rate of the original note. They have terrorized us for five long years. Their lawyers went to my child 's school, they tried to keep my son from XXXX, have broken into our home, hurt our dog, and have repeatedly gotten me fired. They send open carry " inspectors '' to our home ( and claim we owe them for dozens of such " inspections '' and property valuations, ranging in price from XXXX, as well as yearly forced place insurance despite the fact that we have never had a gap - at XXXX per year ) In looking over these charges recently, it looks as though they may be keeping multiple sets of books. For example, on appeal at the end of XX/XX/XXXX, the alleged " escrow balance '' was {$4000.00}. Yet on the Spring XX/XX/XXXX " preforeclosure '' notice - the escrow balance was {$37000.00}, while the " monthly bill '' for XX/XX/XXXX lists the escrow balance. as {$17000.00}. They have provided four different " transaction histories '' since XX/XX/XXXX - all of which conflict with one another, yet all of which, amazingly, show our payments being made and received each month! The ledger provided to the court in XX/XX/XXXX had NO BALANCES. The ledger provided 3 months later in the appeal brief ( the XX/XX/XXXX TXN History ) shows that in XX/XX/XXXX the escrow balance was XXXX - but after an alleged 4,000 disbursement, the escrow balance the balance ballooned to {$21000.00}. Ocwen stopped sending monthly statements in XX/XX/XXXX and the XX/XX/XXXX ledger stops on that date. They resumed sending demands in XX/XX/XXXX and sent another preforeclosure notice in XX/XX/XXXX - then afterwards CLOSED OUR ACCOUNT WITH THE CREDIT BUREAUS. ( closed since XX/XX/XXXX ) Then the next month, the new FC mill started FC proceedings. The XX/XX/XXXX ledger also stops in XX/XX/XXXX XXXX and has no escrow or principle balances ; they sued for note amt. of {$240000.00}. The XX/XX/XXXX ledger has a fee bal. of {$14000.00}, escrow bal. of {$21000.00}, prin. bal. of {$260000.00} ( they added XXXX to bal. XX/XX/XXXX as cost of loan mod - which we only did b/c they claimed we had n't paid in 6 months UNTRUE but it was agree or FC. ) I have bank certified proof of no default & all allegations, including letters from Ocwen 's ombudsman who LIED about original contractual amt., default & more.

Company response to consumer: Closed with explanation