Consumer complaint received 2018-12-01
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have additional questions regarding Ocwen Loan Servicing response on CFPB complaint # XXXX. Please answer the following questions below honestly and under penalty of perjury! These questions are completely different! 
1st, Ocwen attorney XXXX XXXX stated in the CFPB complaint mentioned above, that " as a starting point, there is no investigation and the fact that borrower submitted another frivolous complaint the CFPB under the auspices of the identified issue as trouble during payment process does not create convert this to a CFPB investigation ''. Now, is Ocwen and there attorney aware that the CFPB excepts complaints from consumers, reviews all the complaints ( investigates ) for any and all violations prior to initiating a criminal complaint as the CFPB and the S.E.C just to name a couple, has done against Ocwen in the past? Is Ocwen and there counsel aware that if the CFPB does not find any violations, the CFPB closes the complaint? Is Ocwen and their counsel aware that the CFPB has an obligation to except, investigate all complaints that may violate federal laws such as the Fair Credit reporting Act, 12 CFR along with mortgage servicing rules just to name a few prior to initiating a criminal complaint in federal court? Now, the CFPB notified us in the past that page 2 of the  complaint section reflects underneath the trouble during payment process, that this section is for loan servicers, payment processing and escrow accounts and that we needed to check this section, is Ocwen and their counsel aware of this? 
Is Ocwen and there counsel aware that there is NOT another section that deals with servicing issues and servicing requests? Now, Ocwen counsel also stated, " related to borrowers loan and it appears borrower simply wishes to harass Ocwen based on a personal dissatisfaction with a single credit reporting dispute that Ocwen resolved in a timely manner and consistent with applicable laws ''. Now, we are NOT harassing Ocwen, we want the truth and if Ocwen violated ANY laws, Ocwen must be held accountable for their actions! Furthermore ; Ocwen counsel said that there was a single credit dispute which means ( 1 ) dispute! Is Ocwen and their counsel aware that there has been multiple credit reporting disputes? Here are a couple of the CFPB disputes for your records, CFPB case # XXXX submitted on XX/XX/XXXX, CFPB case # XXXX which was submitted on XX/XX/XXXX and CFPB case # XXXX which was submitted on XX/XX/XXXX! Is Ocwen and their counsel aware that these complaints that we have filed for years do in fact fall under the CFPB jurisdiction??? As I stated in the previous complaint, response section, willfully knowing and providing a false statement to a federal agency is against the law and is un-ethical! Is Ocwen and their counsel aware that you just violated our laws by providing a false statement??? I also stated that the previous complaint needs to be sent to the FBI for investigation regarding willfully lying to a federal agency? I also feel that the Nevada State Bar needs to be informed of Ocwens counsel, providing a false statement to a federal agency! Now, why does Ocwen fail to report or report accurately when a dispute is going on? Does Ocwen feel that there policies are more important that consumer rights, our laws or what your company was required to do by being our mortgage servicer??? 
Now, is Ocwen and there counsel aware that Ocwen and the trustee ( XXXX XXXX XXXX ) must follow all the guidelines, rules, regulations regarding mortgage securitization, unlawful foreclosures ETC? 
Lastly, I warned Ocwen to respond to my inquiries and not there counsel. With this being said, more complaints against Ocwen will occur!

Company response to consumer: Closed with explanation