Consumer complaint received 2016-09-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
COMPLAINT 1 This complaint is against OCWEN Loan Servicing who has scheduled another foreclosure on my property for XXXX XXXX, XXXX. I wish this foreclosure stopped and cancelled due to OCWEN 's continued violations of law. OCWEN has scheduled foreclosures on my property for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX, XXXX. That is XXXX foreclosure attempts in one year. Dual tracking is alive and well at OCWEN. 
I wish to file this complaint with the CFPB for OCWEN 's repeated violations of law & repeated refusal to respond to the CFPB and to Borrower 's complaints to the CFPB concerning issues covered by Dodd-Frank Act, CFPB regulations including Reg Z & Reg X, RESPA, TILA, FDCPA, and the numerous federal consent orders OCWEN has signed. I have filed prior complaints with the CFPB against OCWEN and have never received proper to detailed legal and factual questions from OCWEN representatives. OCWEN 's responses are in the form of long, repetitive letters not addressing the violations, and sending the OCWEN accounting history of the " loan '' but not the prior Servicers ' accounting history despite their requirement of life of loan documentation from all Servicers. Any specific violations such as robosigning, fraudulent acts or documents, VOID documents, suspense accts, escrow, sanding, pretender lender, dual tracking, etc. are denied or ignored in responses. Any judge would have ordered a Motion to Compel with Sanctions against OCWEN for refusal to answer responses or be honest. 
OCWEN has repeatedly refused to respond to specific violations concerning : ( 1 ) robosigning ; ( 2 ) lack of standing from illegal non-bank lending without a registered corporation or lending license in the state where loan originated ( " pretender lender '' ), such as XXXX did in NY where it operated under the name " Americas ' Wholesale Lender '' allegedly under " the laws of NY '' while not incorporated in NY and no lending license in NY causing XXXX XXXX VOID mortgages ; ( 3 ) ignoring breaks in the chain of title at every stage, & accepting robosigned documents as assignments ; ( 4 ) accepting XXXX ' assignment of fraudulent deeds ; ( 5 ) dual tracking ; ( 6 ) violation of the required pre-foreclosure notification for high priced loans ; 7 ) issuing inaccurate demand letter prior to foreclosure attempts and never correcting such ; ( 8 ) attempting to use unendorsed, fraudulent Notes for standing in foreclosures ; ( 9 ) attempting to use fraudulently assigned deeds for standing in foreclosures ; ( 10 ) refusing to address loan modification requests from Borrower including pay off option ; ( 11 ) failure to send accurate regular statements ; ( 12 ) failure to correct obvious errors in statements ; ( 13 ) refusal to credit Borrower monies paid amounting to {$120000.00} ; ( 14 ) failure to pay property taxes causing Borrower to have XXXX liens, incurring extra penalties, and bad credit reports ; ( 15 ) failure to disclose fees, charges, penalties, mystery fees ; ( 16 ) failure to send accurate and reasonable escrow charge statements ; ( 17 ) improper use of Suspense Accounts ; ( 18 ) charging fees and expenses to monies held in Suspense Accounts ; ( 19 ) sending inaccurate statements to Borrower with extreme monthly swings in category figures ranging from {$30000.00} to {$150000.00} ; ( 20 ) sloppy and inaccurate accounting & deficient platforms for handling transferred accounts ; ( 21 ) refusal to respond or deal with disaster occurrences to property ; ( 22 ) failure to present accurate reinstatement figures in statements ; ( 23 ) intentionally and knowingly using fraudulent and VOID documentation such as the basis for foreclosures ; ( 24 ) imposition of unwarranted fees, improper use of suspense accounts, & failure to credit Borrower monies paid ; ( 25 ) other violations of law to be presented in companion CFPB complaints with proof.

Company response to consumer: Closed with explanation