Consumer complaint received 2016-02-02
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen, XXXX XXXX XXXX, XXXX. and XXXX violated Fair Debt Collection Practices Act, '4th Amendment rights and right to privacy. I have listed the acts that pertain to my situation and the rules that were violated. They also failed to follow the guidelines of XXXX XXXX. 

The following is taken from XXXX XXXX website A Servicer is expected to comply with all applicable federal, state and local laws, regulations and orders. ... borrower privacy, ... fair debt collection practices ... 

Taken from the " Fair Debt Collection Practices Act ' 804. Acquisition of location information [ 15 USC 1692b ] Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( Communicated with XXXX a 3rd party more than once ( XXXX XXXX of XXXX XXXX wrote, " spoke with woman, said we 've been here before looking for defendant.. '' ) listed her name address, and my personal relationship information on a " foreclosure '' which is a public record that anyone can view. See Exhibit E. 
Page XXXX came to my home at XXXX on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX came to my home at XXXX, on XXXX/XXXX/XXXX came to my home at XXXX on XXXX came to my home at XXXX ) 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ( XXXX XXXX XXXX, XXXX. and its agent XXXX, XXXX both work in the field of law and should know that such contact with my former employer would be prohibited. ). 
I ( b ) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( The debt collector communicated with XXXX without my consent. ) Usual place of adobe-In general means. 

Underlying consideration in determining " usual place of abode '' for purpose of service of summons, is whether substituted service at chosen dwelling place is reasonably likely to provide defendant with actual notice of proceedings. XXXX, XXXX " XXXX, within this paragraph, providing for substitute or constructive service of process, means the place where a person dwells. XXXX, XXXX Substituted service by learning a copy of the process at the dwelling house of another person is not sufficient, but such service must be by leaving at the usually place of adobe of defendant. XXXX. I have cited some case laws to help show that the XXXX should not have tried and served me at the some of the above locations. 
( Foreclosures and Mortgage Serving, Fifth Addition )

Company response to consumer: Closed with explanation