Consumer complaint received 2017-09-05
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Here is further proof that the transfer of assignment filed in XXXX County Land Records office on XX/XX/XXXX was fraudulent and American Home Mortgage Servicing Inc knew it was fraudulent. 

When our mortgage loan became delinquent we received letters from XXXX XXXX XXXX, which is the first time we learned that the " holder of the note '' was XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. We made a qualified writted request - verification of proof of claim request of XXXX XXXX XXXX to provide copies of any transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX was the " holder of the note '' because no transfers or assignments had been filed in the XXXX County Land Records office that transferred the note or deed of trust from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was not able to provide any of the documentation to show the note or deed of trust was ever transferred to the trust. 
We also made the same request of AHMSI and XXXX XXXX XXXX XXXX to provide copies of any transfers or assignments to show that note or deed of trust was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. From XXXX  's website I was able to see the attached communication from AHMSI 's research department that shows the qualified written request - verification of proof of claim request that was made and a cease and desist notice that had been filed in the XXXX County Land Records office, which AHMSI decided to disregard. 

There is also an attached email dated XX/XX/XXXX from AHMSI 's Legal Correspondence Group to disregard my cease and desist request regarding the foreclosure action and as we know, the fraudulent transfer of assignment was filed 10 months later. 

The attached response from AHMSI 's Loan Administration Research Specialist were documents to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX was the holder of the note. But the attached documents just shows that as of XX/XX/XXXX, the holder was XXXX XXXX XXXX XXXX and that note and deed of trust had not been transferred to the trust, which is also evidenced by the title search we did in XX/XX/XXXX. 
AHMSI had no idea that XXXX XXXX XXXX XXXX did not transfer the note or deed of trust to XXXX XXXX and requested that we direct our concerns to XXXX XXXX XXXX. As we know from the declaration of President of XXXX XXXX XXXX, XXXX XXXX XXXX did not own any residential mortgages to transfer as of XX/XX/XXXX. So how is the transfer of assignment that was filed in XX/XX/XXXX valid? 
Again, we have not received any valid transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX is the holder of the note. We have been making this same request from XX/XX/XXXX and have not received the requested documents. We have only received the fabricated documents to wrongfully foreclose on our homestead and collect our monthly mortgage.

Company response to consumer: Closed with explanation