Consumer complaint received 2016-07-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Could someone tell me how this works? I have the title ( s ) to my property - XXXX versions, actually- recorded by XXXX XXXX XXXX XXXX XXXX GMAC MORTGAGE XXXX, XXXX XXXX XXXX XXXX COMPANY, an Escrow Provider for Bank XXXX XXXX XXXX. Secondly, I have a " Release of Lien '' Notice from XXXX XXXX, dated XXXX/XXXX/XXXX ; a Satisfaction of Mortgage from XXXX XXXX XXXX, dated XXXX XXXX, XXXX ; a Letter of Mortgage Satisfaction from Ocwen Loan Servicing, Dated XXXX XXXX, XXXX. I have not ratified the Deed ( s ) of Full Reconveyance documents in care of any mortgagee, nor have I transferred the right to ownership ; yet, XXXX managed to persuade a XXXX XXXX XXXX Judge to issue an Unlawful Detainer, without admitting that they " bought '' my home from Ocwen Loans, which had no authority to sell it! 
I have filed Qualified Written Requests to each, demanding that they provide to me a copy of the Deed of Reconveyance that must be signed over to any party in order to transfer the right of ownership and possession of that property. They have failed to respond. I have asked Ocwen Loans, who sent a letter of Mortgage Satisfaction on a date referenced earlier in this letter, but Ocwen has yet to respond. I have demanded from each of them, a " Release of Lien '', pursuant to California Civil Code section XXXX ( b ) ( XXXX, XXXX XXXX Assembly Bill, and ( Civ.Code XXXX, subd. ( b ) ( 1 ) ( A ) - ( C ). ). Ocwen loans owns all the loans both of GMAC MORTGAGE and Homeq Servicing ; therefore, it is there responsibility to honor and obey California Law : " California Civil Code section XXXX ( b ) ( XXXX ) requires the beneficiary, upon payoff, to " execute and deliver to the trustee the original note, deed of trust, request for a full reconveyance .... '' The trustee then executes and records the full reconveyance within 21 days of receipt of the documents from the beneficiary, delivers a copy of the reconveyance to the beneficiary and, upon request, delivers the original note and deed of trust to the XXXX. ( Civ.Code XXXX, subd. XXXX b ) ( XXXX ) ( A ) - ( C ). ). While the Deeds have been delivered, and XXXX of the Lien Release Notices have been provided by XXXX XXXX, the others have failed to comply ; Further, mortgage income is required to be reported to the Internal Revenue Service and the XXXX XXXX XXXX ; but, not XXXX of these companies has abided by Instructions for form XXXX, nor have they filed forms XXXX, XXXX, or XXXX as required. and, each deed of full reconveyance means that my loan ( s ) in XXXX, XXXX, XXXX and XXXX all have been paid and the account ( s ) closed. So what gives? Why does the government, specifically XXXX and the CPFB wallow in do-nothing-ism and allow this to continue? Why do these mish mashes of so-called " lenders and servicers '' get away with this. Why do n't I have Release ( s ) of Lien Documents ; and finally, why do n't I have in my possession, XXXX copies of the " Title XXXX '', as provided by Federal and State Law. Each of these companies have been mailed all the documents I have mentioned? So why wo n't your agency ( s ) assert themselves. I anxiously await a response. I have no loan with any of the above. They are fully paid.

Company response to consumer: Closed with explanation