Consumer complaint received 2016-06-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Please be advised that this letter is a " Qualified Written Request '', DEMAND, AFFIDAVIT, and AMENDMENT in compliance with RESPA and under the DEED OF TRUST/SECURITY AGREEMENT/NOTE created namely the LOAN # : XXXX : OCWEN LOAN SERVICING LLC ; XXXX ; XXXX This letter is to inquire about the accounting and servicing of this agreement and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, inception of my loan to the present date. 

To this date, the information, documents I have, that you have sent, and the many conversations with your customer representatives/agents, have been unproductive and have not answered many or any questions. 

It has come to my attention that your company may have been accused of engaging in one or more predatory servicing or lending and servicing schemes. As a consumer, I am extremely troubled to know about such practices by anyone ; let alone. OCWEN LOAN SERVICING LLC ; XXXX ; XXXX financing company or anyone who has any interest in this matter. I am concerned that such abuses are targeting the uneducated and uninformed/unaware consumer and disadvantaged, poor, elderly and minority Americans. 

Regardless, I am most concerned. This situation worries me that potential fraudulent and deceptive practices by unscrupulous brokers ; sales and transfers of credit and or servicing rights ; deceptive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, loan account and/or the debt or payments that I am currently, or may be legally obligated to. 

At this time, I hereby demand absolute first hand evidence from you of the original blue ink signature of the note to verify holder in due course of this alleged debt and or security regarding account # XXXX In the case, that you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned my note. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent of the actual evidence of the security I have no choice, but to dispute the validity of your lawful ownership, funding, entitlement right, and the current debt you allege I owe. By debt I am referring to the principle balance you claim I owe ; the calculated monthly payment and any fees claimed to be owed by you or any trust or entity you may service or sub-service for. 
To independently validate this debt, I need you to conduct a complete exam, audit, review and accounting of this account from its inception through the present date. Upon receipt of this letter, please refrain from reporting any negative credit information to any credit reporting agency until you respond to each of the above mentioned requests. 

I also request that you kindly conduct this investigation and audit of this account by a certified public neutral party, since its origination to validate the debt you currently claim I owe. I would like you to validate this debt so that it is accurate to the XXXX. 
Please do not rely on previous servicers or originator records, assurances or indemnity agreements and refuse to conduct a full audit and investigation of this account. I understand that potential abuses by you or previous services could have deceptively, wrongfully, unlawfully, and/ or illegally : 1 ) Increased the principal balance I owe ; 2 ) decreased the proper amount applied and attributed toward principle on this account ; and/ or 3 ) assessed, charged and/ or collected fees, expenses and miscellaneous charges I am not legally obligated to pay under this DEED OF

Company response to consumer: Closed with explanation