Consumer complaint received 2016-10-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is about OCWEN Loan Servicing , LLC . I have a scheduled foreclosure for Tues XX/XX/XXXX and I have written OCWEN, the CFPB, and OCWEN 'S attorneys asking to have the foreclosure cancelled with no response. 
I have an outstanding loan mod/offer to OCWEN to settle this case which has gone on nearly 10 years. It began with XXXX, then XXXX, then BAC, then XXXX, and now OCWEN. I have been to federal court twice. I have filed XXXX injunctions stopping foreclosures. I have had Servicers try to foreclose when they held my money in suspense acccouts and abused escrow accountI have had them lose {$120000.00}. Finally OCWEN had to recognie and pay back about {$32000.00}, leaving me {$90000.00} short of what I paid. I have had late fees placed on non late payments, I have not been reimbursed for tax payments, I have had XXXX liens placed on my property because OCWEN negligently forgot to pay property taxes so I had to pay to get rid of liens, extra costs and expenses. I have had natural and man made disasters occur on the property but received no help or FC mitigation from OCWEN. I have filed other CFPB complaints which I incorporate here but OCWEN will not answer questions about robosigning, dual tracking, mystery fees, environmental problems with the property, I have had them violate TILA, RESPA, FDCPA, the XXXX requirements and the XXXX consent orders. I have suffered all of the issues that OCWEN has been charged with repeatedly over and over.OCWEN 's only responses to me are to send my Note which is not indorsed to anyone after 10 tries, my Note and Deed which call XXXX the lender but XXXX was dissolved as a corporation in XX/XX/XXXX and did not have a broker or lender 's license when the mortgage was closed XX/XX/XXXX. 
Now in Ga there are new cases that state that a homeowner has standing to challenge anything and anyone who clouds the title to the property. Since I have a lender who is a pretend ender, and assignments based off the void transaction from the pretender lender meaning no one has any secured interest but me through the warranty deed, I would think OCWEN would want to negotiate and deal with the robosigning, dual tracking and other violations in their awful record keeping and incorrect periodic statemenets. 
Perhaps the CFPB can wake them up before I have to resort to a QT action and take the property free and clear. 
Please stop the foreclosure scheduled for tomorrow XX/XX/XXXX. 
In support of my summary of claims I have attached a letter and exhibits I sent OCWEN 'S attorneys XXXX XXXX XXXX in XXXX, the scheduled FC page as of today, the XXXX v. XXXX case I referneced, and a number of pages from the XXXX for XXXX pass through certificates XX/XX/XXXX-XXXX, noting the proper procedure, following the PSA, noting environental problems on property, restrictions on servicers, warnings about seervicer abuses of borrowers, how the tranches work, how payments work from servicer to primary servicer or the trustee, the serious penalties for violation of trust agreements, PSA, REMIC tax laws, improper handling of mortgages in REMIC pools of mortgages and so forth. Maybe the CFPB can investigate and talk some sense into a rogue servicer before they have to give up this property and allow me to exercise a right of redemption and get the property and all the money I paid already. Please see attachments re letter to attys and exhibits, some of which have been sent to CFPB, info on pretender lender, listing of numerous violations of CFPB enforced laws and regs, and operating without any common sense like we are all fools and despite what it has cost them they do not stop abusing homeowners. Thank you

Company response to consumer: Closed with explanation