Consumer complaint received 2016-01-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sent an email to the Executive Vice President, General Counsel and Secretary at Ocwen Financial Corporation, XXXX XXXX XXXX, to let him know of the servicing wrongs committed by Ocwen Loan Servicing , LLC regarding the servicing of our loan. He is the representative for Ocwen that signed the Consent Judgment with the Consumer Financial Protection Bureau ( CFPB ), together with attorneys general and state banking regulators in XXXX states, and the XXXX requiring the largest nonbank mortgage loan servicer in the country, Ocwen Financial Corporation, and its subsidiary, Ocwen Loan Servicing, to provide XXXX in XXXX lien principal reduction to underwater borrowers. We do have a pending lawsuit with Ocwen Loan Servicing , LLC, f/k/a Homeward Residential f/k/a American Home Mortgage Servicing Inc, but I did not think that should prevent me from communicating with XXXX XXXX regarding our case, since he is the representative that signed the Consent Judgment. I thought he would get involved and figure out a solution to our concerns. Instead of XXXX XXXX addressing our concerns, he forwarded my emails to their attorney working on our case and their attorney issued us a cease and desist letter. I am now unable to follow up with XXXX XXXX to see what he is doing to address the servicing wrongs committed by Ocwen. 
Our home was initially listed for foreclosure sale on XXXX/XXXX/XXXX. I filed a complaint with the CFPB and the foreclosure sale was placed on hold. I requested that Ocwen provide the collateral documents that show that Ocwen has the authority to foreclose on our home. None of the documents provided names the mortgage-backed security trust. 
According to XXXX XXXX XXXX, XXXX XXXX XXXX, as trustee, has a very limited role and does not have discretionary authority to monitor or direct the servicer in the servicing of the loan. The bank informed the Office of the Comptroller of the Currency, that it is the trustee to the mortgage-backed security that holds an assignment of the mortgage loan. Ocwen has failed to provide that assignment. The XXXX assignments in our loan file did not include any assignment of the deed of trust to XXXX XXXX XXXX, XXXX as trustee or to the mortgage-backed security trust. Ocwen provided us XXXX copies of an allonge. XXXX blank and XXXX stamped. Both allonges have a property address that does not match our property address. Our property address is XXXX XXXX XXXX, XXXX, XXXX XXXX and the property address provided on both allonges is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
We did a property search in XXXX XXXX and discovered that our loan had not been transferred to the trust in the land records office in XXXX XXXX. Our original lender, Option One Mortgage XXXX, a California XXXX, was in first lien position. 
XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Company filed a fraudulent assignment of Deed of Trust in XXXX XXXX. XXXX XXXX retroactively attached our mortgage to a mortgage-backed securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. The person who signed the assignment, XXXX XXXX, is believed to be an employee for AHMSI. 
Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Company from XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages. 
Affidavit from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is a listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted.

Company response to consumer: Closed with explanation