Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

CFPB XXXX Complaint XX/XX/XXXX I am writing to file a complaint about XXXX XXXX and their agent servicer, Ocwen for sending me the detailed private confidential financial information of one of their customers by the name of XXXX XXXX in XXXX who appears to have applied for a loan modification from them ; they have sent me all of her personal details, name, address, social security number, bank information, income, phone number etc. etc.
This is a breach of confidentiality, privacy and a violation of Federal laws, banking and other laws by XXXX XXXX/Ocwen! As a consumer protection agency with many powers bestowed upon you, by congress, are you going to do your duty and investigate to punish XXXX XXXX/Ocwen and inform XXXX, or should I? 

How many other such violations by such mailings have there been by XXXX XXXX/Ocwen? Did they send this poor woman 's private details to many others? How many others? Is this a mass mailing? Will her identity be violated even more then it already has been by this mailing at some future date? Have other such mailings about other applicants and their private data been mailed? Have they done the same with my data, will you investigate it and make sure they have not, while keeping me informed? 


On XXXX XXXX, XXXX, I called CFPB to see what I could do about it, who I could complain to, and a nice lady by the name of XXXX at CFPB ( employee number : XXXX ) suggested I file a complaint with you, after she heard what I could describe to her over the phone. I was impressed with her, so I am filing this complaint, although I know better since I have filed complaints with you before and you have done nothing about it. 

I have been tied up in a bankruptcy I had to jump in to when after my foreclosure I followed your RESPA rules and filed a loan modification paperwork with the judge who was misguided by the opposing attorney to rule against me and I had to file the loan modification papers according to RESPA rules by XXXX XXXX XXXX to stay the sale of my home, and the attorney representing XXXX XXXX/Ocwen was supportive over the phone as the paperwork was filled out to stay the sale of the home, but the opposing attorney failed to show up for the hearing on XX/XX/XXXX. 

A retired XXXX who was brought in to attend to the foreclosure cases that the state needed to process, was visibly angry at the XXXX XXXX/Ocwen attorney not showing up for the hearing. He threw out our response and with it the RESPA regulations since he clearly did not comprehend it. It was probably new to him and he was retired ( was he even qualified to be a XXXX )??? 

Should n't it be against the law to bring old retired judges who are on the verge of senility and are unfamiliar with the current changes in law and rules. Could he have even met the requirements for new judges being appointed to the bench? Yet, he is passing judgements? Is this not injurious to me and others like me? Why are you not doing your duty and allowing these unjust predatory acts to take place while you fiddle your thumbs with the title of " consumer protection. '' I had no choice but to quickly grab an attorney who was lurking around with an office very close by who was willing to file a chapter XXXX bankruptcy to stay the sale of my home. I paid him his demanded flat fee and was forced to soil my credit by saddling myself with a bankruptcy for the ONLY loan amount in question to XXXX XXXX/Ocwen, which had taken me to foreclosure, even though the conditions that would require foreclosure had not been met. The foreclosure was forced upon me, as was the default, which was manufactured. I of course filed a pro-se appeal for this injustice, but it was not sufficient to stay the sale of my home, I had to go into bankruptcy. 

My long experience with your organization has resulted in false hopes ; health, financial and other losses have concluded for me that you are useless, a stain on the term " Consumer Protection. '' I  hope for your sake, you will do a lot more this time to modify my attitude towards you. 

I started by being your biggest fan, rooting for your success all the way but then discovered through my experience with you that CFPB is useless. I had high hopes for XXXX XXXX ( a title I gifted her and all of you at CFPB that were supposed to fight for consumers, the hurt little guy by those in power with money ). She fought her various battles, launching Consumer Financial Protection Bureau, even though she was denied the directorship by a few evil men in power I was rooting every step of the way, hoping it would help the little folks like us. 

I could not have been any more wrong in this matter. All of the hopes of us little people were blown, when that lawyer from Ohio was given that office instead of her. The title of Saint I withdrew from her when she stopped her follow through and all of those involved on your end, I gift you the well earned drastically opposite title by the addition of one word, " Fallen '' you know what I mean, you have earned it, perhaps you might consider seeking redemption by doing the right thing this time and help me fight this demonic evil of " Unjust Usury Eviction Predators '' practiced by XXXX XXXX. 

As in the past, more than once, I know you will read my complaint, then just write a token letter to XXXX XXXX/Ocwen, and they will respond back to you with some token letter, and then you will accept their standard response forwarding it to me, and that will be that. Then you will collect these complaints from people like me, when you have enough, you will fine them, and then collect that money for your own nefarious benefits, and let Ocwen continue its dirty deeds, so you can fine them again and it can become a nice revenue source/stream for you, using our complaints. 

We never get any help from you. No wonder your funding is getting cut off, and you are losing your credibility as congress considers doing away with you. Thats your well earned karma, you deserve that because of the injustice that you have dealt to us, the little guy, it is coming back to haunt youand haunt you it will, if you dont get your act together and start advocating for justice and helping the helpless. I am sure it will only be a matter of time before karma will end you. I hope and pray karma does punish you. One thing you must not forget, this destruction was caused by your own unjust, uncaring, selfish, greedy hands. 

Let me introduce myself, my name is XXXX XXXX XXXX. 

XXXX XXXXOcwen have slaughtered me and everything I hold near and dear to my heart, and they continue to XXXX me despite my never having done anything wrong. I have never been a day late or a penny short in meeting my unjust obligations, that I am not even sure were an obligation due to red lining and other last minute flim flams while I was in the hospital for XXXX XXXX, XXXX, XXXX XXXX, etc. 

In any case, I made my " red lining '' and " ARM '' contaminated high predatory sub-prime payments to XXXX XXXXOcwen, on my home loan that was signed up by XXXX XXXX and not XXXX XXXXOcwen who is destroying my life having robbed me of my health, my home of 30 plus years having never missed a payment, put me out of business and destroyed my credit and forced me into bankruptcy. I have been battling XXXX XXXX/Ocwen for years, and they continue to financially XXXX me while you watch, using my complaints along with others to collect fines for your benefit. 

I have filed two different complaints with the CFPB ( Case Number : XXXX submitted XX/XX/XXXX and Case Number : XXXX submitted XX/XX/XXXX ). CFPB is remiss in their duty of protecting me as a hurting consumer. XXXX XXXX/Ocwen keeps eating me alive and CFPB just sits back, oblivious to its duty of " consumer protection ''. There has been no follow up on my complaints, nor any follow up on the continued crimes of XXXX XXXX/Ocwen inspite of the many fines levied against them, they keep doing the same thing. Just the cost of doing business for them. 

I am still here, still fighting all alone with XXXX help the financial XXXX, Ocwen and XXXX XXXX, as I cling to my home they have been trying to steal from me with 30 years of equity, even though I never missed a single payment. 

Throughout this fight, I have been dealing with severe medical maladies that include XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many other dire medical conditions. The XXXX  caused by XXXX XXXX/Ocwen is unbearable. I have lost my income, business, and so much time without any resolution. You have not helped me. You have no right to the title of " Consumer Protection, '' you do not protect the consumer! You allow the financial raping to continue. Never forget, Judgment Day is coming for you and others, individually and collectively for your failure to fulfill your fiduciary responsibility of protecting my interests and the interests of others like me. 

After they unjustly, illegally manufactured a default to foreclose on my home and falsely forced place insurance on my home when I already had insurance and it was proven to them two different times in mediation, and they still forced placed insurance on my home after being shown the policy and still took me to foreclosure even though criteria for foreclosure had not been met. I never missed a single payment, I had to jump into bankruptcy with moments notice to protect my home and file a pro-se appeal to fight for my home, complaining to you twice, and you never helped me. They are eating up my time ( statute of limitations ) and money, blown off RESPA laws, hearings, mediations, correspondence and this transaction is no different. 

They are doing this on purpose so that I wont be able to save my home. This breaching of confidentiality is their guise for ensuring they block my timeline for my appeals case which is me fighting to overthrow the unjust rocket docket foreclosure case along with other benefits to them that only you would know best, I am not a lawyer, I am grateful to GOD for not becoming a Lawyer and XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXXOcwen when ordered by the bankruptcy court to enter mediation with me, which they have never complied in good faith, always pulling a " fast one '' to get out of it, decided to manufacture yet another requirement of their own pulling yet another " fast one '', that I fill out many pages for a loan modification even though the appeal is not yet over, and we do n't even know if the foreclosure is going to be thrown out. How can we establish a dollar amount for a loan modification, besides why would I get a loan modification from them?? 

That would be like forcing a woman back to her abusive husband who has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and she has finally run away and divorced him and she is being forced back into marriage again to continue this abuse, by the abusive law and the abusive courts. How does this make any sense at all??? They are thieves and they owe me money. Look at how many times they have been fined for countless reasons .... 

Dont you have some help for people like us? Im going to appeal my foreclosure, and am rapidly running out of funds due to Ocwen having robbed me clean, having to spend exorbitant amounts of money in trying to defend myself in the unjust court systems and now they want to double my payments from {$800.00} to {$1500.00}. My only income is social security which is {$10000.00}. 

Can you please send me some lawyers or legal help as I continue to fight these XXXX? In the event you think my rhetoric is harsh.you try having lost the twilight of your life, having experienced irreversible health, financial, and quality of life consequences through no fault of your own. 

I have attached the Loan documents of that poor woman whos privacy was violated due to XXXX XXXX/Ocwen breaking a federal law. How do I know they did n't send her my documents??? What do I do about that?? 

I am going to watch this case closely. Are you going to punish the pervasive, consummate criminals addicted to hurting others while stealing homes, life savings and equity, while breaking up their families and breaking federal laws in the process or have you become too much like them, feeding on their gains by levying microfines that they simply shrug of as cost of doing business? 

Will you again be an accomplice in their crime as you have countless times in the past, continuing down your beaten path of hurting the fragile helpless little guy who has no where to turn? I hope you make the right choice, after all.we are only here for a short time, and you will have to answer for your choices individually on judgment day. Your titles, your fancy buildings, and your fancy offices will not protect you nor will the illusion of power that you seem to think you possess. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Let us hope you make the right choice. The right choice is to make XXXX XXXX/Ocwen permanently stop their corrupt practices and release my deed, cancel my mortgage, and release my home to me and compensate me for all my lawyer fees, business losses, loss of my health and many other losses, including loss of my time in my twilight years that I have and continue to sustain. You need to do your duty so we the little guy will no longer have our lives destroyed and I will not have to get on my knees and XXXX XXXX XXXX XXXX, each one of you, starting with the lawyer Director from Ohio who runs your XXXX operation. 

It is the righteous thing to do, to XXXX XXXX, their pawns and obedient servants like you who have proven to be so in my experience with you, and that is all that matters to me under XXXX law. 

I await your response to me.