Consumer complaint received 2015-10-19
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Despite the CFPB ruling against Ocwen Loan Servicing LLC, in XXXX XXXX, this company is still illegally foreclosing on consumers. I am now XXXX their most recent victims. 

Ocwen Loan Servicing , LLC filed for foreclosure on my house and was awarded summary judgment with fraudulent paperwork. The property has been under foreclosure since XXXX. A different loan servicer sued for foreclosure and the case was dropped due to lack of prosecution. The house has been under XXXX different loan servicers, since the life of the mortgage loan. Ocwen Loan Servicing , LLC claims to be the new servicer of the loan and filed for foreclosure on the home and on XXXX XXXX, XXXX the Ocwen was granted a foreclosure summary judgment by a lower court in New Jersey. They won the summary judgment by submitting an affidavit of someone named " XXXX XXXX '' who is allegedly a " contract management coordinator '' for Ocwen Loan Servicing LLC . The company did not provide a certified copy of the original note on the home. Instead, they provided an assignment of the mortgage along with the XXXX XXXX Affidavit. The assignment of mortgage provided in the XXXX XXXX Affidavit does not even contain the name " Ocwen Loan Servicing LLC '' and it does not state on what date Ocwen Loan Servicing LLC was given servicing rights by the note holder. I defended myself as pro-se. I filed motions against their lawyer 's motion for summary judgment and I brought up these issues of material facts with the affidavit and the assignment of the loan. The judge, in New Jersey, dismissed my arguments and granted summary judgment to Ocwen Loan Servicing LLC . 

On XXXX XXXX, XXXX, I paid {$250.00} for the court transcripts of the case and proceeded to file a notice of appeal with the New Jersey XXXX Division along with a deposit of {$300.00} to file my case. The Judge that ruled on this case remanded the case to the office of foreclosure in New Jersey, so I was advised by the New Jersey XXXX that case has not been finalized and so I need to file a motion to leave for appeal. I am in the process of filing my motion to leave for appeal. 

I am aware that I owe the money on this home and I am aware that the house is under foreclosure. Those are facts. The reason I went under foreclosure is because XXXX the previous servicers, American Home Mortgage Servicing , Inc. ( AHMSI ) trippled my mortgage by raising my interest rates and opening a escrow for my taxes. 

I am aware that CFPB recently ordered Ocwen Loan Servicing LLC to reduce mortgages on consumers by {$2.00} XXXX and ordered them to pay {$120.00} XXXX to about XXXX home owners that have been foreclosed upon illegally. This agency also specifically accused Ocwen Loan servicing , LLC of " Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information. '' The " XXXX XXXX affidavit '' that has been used in my case seems to be another " robo-signed '' affidavit and they won their foreclosure case with this affidavit. 

This is property was an investment property for my retirement. I am a XXXX, retired, XXXX woman. I do n't want to lose what 's left of my savings as a result of an illegal foreclosure. I am afraid that Ocwen will win and the real note holder or real loan servicer will sue me again. I will do whatever I can to appeal this decision, but it is costing me a lot of time and a lot of money to defend myself against this company. 

Ocwen Loan Servicing , LLC has not ceased their predatory practices against consumers.

Company response to consumer: Closed with explanation