Consumer complaint received 2016-03-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is actually directed to the Consumer Financial Protection Bureau ( CFPB ) in regards to Case numbers : XXXX and case number XXXX. Please reference the above mentioned case numbers for details. These cases are in regards to an illegal foreclosure action by Ocwen Loan Servicing LLC . Ocwen was awarded summary judgment based on a robo-signed affidavit. As the lawyer for Ocwen stated, in response to the above referenced cases, Ocwen Loan Servicing LLC has proceeded with a foreclosure action docketed as XXXX in the XXXX XXXX XXXX New Jersey. In that action, the Court granted Summary Judgment in favor of XXXX, as Trustee. The court based its response on the XXXX XXXX affidavit provided by Ocwen Loan Servicing LLC, which appears to be another robo-signed affidavit. 

As referenced in CFPB case numbers XXXX and XXXX, I requested that the lawyer for Ocwen provide evidence that the Plaintiff, the trust named " XXXX as trustee of XXXX., Asset-Backed Pass-Through Certificates, XXXX XXXX '' still exists. The trust in this foreclosure action has not filed any paperwork with the SEC since 2006. The lawyer failed to provide any evidence that the Plaintiff exists. How can a trust that does not exist, sue for foreclosure? 

I mentioned, in the above referenced cases, that the XXXX XXXX affidavit is probably a robo-signed document. I demonstrated that XXXX XXXX is a robo-signer by providing copies of other XXXX XXXX affidavits in previous Ocwen foreclosure actions ( see attachments ). After I submitted these XXXX XXXX affidavits, in the referenced CFPB cases, the alleged " real '' note for the home suddenly made an appearance. This is the first time the note has been provided, throughout this entire foreclosure process. The lawyer submitted the alleged original note for the mortgage with an undated allonge that has a blank endorsement. This allonge can belong to any document or to any other note. 

The CFPB has already demonstrated that Ocwen Loan Servicing LLC has used robo-signed affidavits and doctored documents to illegally win foreclosures in courts ( see attachments ). The lawyer for Ocwen has notified me that he will be filing for final judgment in this foreclosure case. This means that despite the CFPB actions to keep Ocwen from conducting illegal foreclosures with robo-signed affidavits, Ocwen continues to do so. 

I understand that the CFPB " can not comment on possible violations of the law unless they 're made public '' but Ocwen Loan Servicing LLC 's violations against home owners were made public and published on your website ( see attachment ). Now Ocwen Loan Servicing LLC is repeating the same actions, despite the CFPBs actions against Ocwen. 

I am a retiree, surviving on a small pension and social security, so I can not afford counsel. 

How many new complaints against Ocwen Loan Servicing LLC need to be filed in order for the CFPB to stop them from repeating the same violations that they were already prosecuted for?

Company response to consumer: Closed with explanation