Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen ignore intentionally their clients so those people property can be looted as is my case This is done because I do not have any mortgage or financial obligation conform by those looters and their lawyers that defraud my property. As mention in each of my letters since the FRAUD was confirmed in writing the sale of this mortgage to Ocwen is null and void. XXXX XXXX XXXX must take back this mortgage clean it up and after all illegal charges are removed from this account only than XXXX XXXX XXXX  can sell this mortgage or settle it with my family. Any other action will only create series legal consequences for a bank that abuse the legal and the banking system when defrauded family as is the case with me. 
I would like to REPET that Ocwen defrauded my family and sold a mortgage to another institution knowingly that FRAUDE was involved making this transaction ILLEGAL. 
I continue to receive many letters from you Institution that IGNORE the dispute pointed out many times and in return you send me very confusing info not related to my case. With each letter there is another amount outstanding and this must stop. 
With each letter the monthly payment is seriously inflated and reflect taxes and insurance for one year to be paid each month so in one year you ask me to pay taxes and insurance for 12 years!!! Please no longer disregard my letter since reflects real info back up by real documents. If indeed you want to resolve the dispute started intentionally be a very abusive bank all you need to do is read proper all my letters and take it in consideration. Ignoring it will create even more confusion. It is not clear yet if your Institution is interested in finding a solution or is ignoring all together all our points. I mention very clear that first we must solve the abuses done by XXXX and then we can discuss the Modification or HARP. Otherwise through your action you are asking me to accept all abuses and massive overcharges and this will never be done. Regarding XXXX I confirm that regardless of the final resolution we are bringing this bank to Court. As per my husband conversation with one your Rep below you will get explanation for the abuses. A copy of this Doc will be sent to office of Pennsylvania Banking Department for the abuses of XXXX since there is a massive overcharges to my account and we must solve the differences first so they are going to be involved in the abuses of XXXX since there is a massive overcharges to my account and we must solve the differences first. Also I am determined to save my house even if we go to any Court. It is very clear that with each new letters received from you all facts are more confusing than necessary. Your our institution explain the situation point by point in the XX/XX/XXXX letter but this was only a theoretical presentation, that do not solve the abuse and fraud done by XXXX. Please no longer use such letter as a response since this is NOT THE CASE. I made it very clear that XXXX XXXX XXXX defrauded my family as well as your bank. Your Bank ignored completely all my correspondence, WHY?? I prefer to have a face to face meeting with you and present you documents and you will see how this XXXX defraud people. How your Institution is  helping me when in your last invoice for example the interest is {$30000.00} and this is very much overstated. The abuse is very clear since XXXX tried to overcharge me in one year a total amount for taxes and Insurance equivalent to 12 year. So for the rest of the mortgage your bank wants now to charge me a total of 269 years of taxes and insurance!!! Translate in dollars your Institution now if I make the payment will charge me the equivalent of 400 % the cost of the Mortgage Note and this is like paying for 4 houses at the same time. This is exact what your Institution inherited from XXXX and tried to overcharge me NOW. WHY?? You address this issue in your XX/XX/XXXX letter????? / This is abuse and fraud not theory mention in your letter. 






It is very clear now that either your Department did not read any of my correspondence or simply ignore them since. Ocwen must take seriously in consideration that SINCE THERE IS FRAUD INVOLVED I ASKED YOU NOT ALLOW ANY FORCLUSURE TO GO ON AS I AM DETERMINED TO SAVE MY HOUSE BUT NOT THE FRAUD OF XXXX/XXXX XXXX XXXX. SEC will get involved too. 
I have all documents proving 100 % the fraud of XXXX so I ask Ocwen and your Institution to stop the Foreclosure as there will be problems for your institution too. 
I prefer to SETTEL the account so we can close this very ugly chapter ASAP. 
First I will repeat a few facts and all is based on clear evidence that are even in the Court NOW. 
For the last 2 years in the Escrow account at XXXX there was a surplus of over {$5300.00}. To understand the issue I kindly ask you to take the R.E. TAX and the insurance invoice. You will see that the total is around {$3800.00}. You divide it by 12 and you will get the monthly payments for escrow. Once you gert5 this number compere with the charges XXXX tried to overcharge my family and you will see how this bank is defrauding people. Once you understand it you will understand my problems. My husband is preparing a legal case against XXXX and IS SURTE HE WILL WIN IT. Even SEC confirm it as well as his law firm. I am determined to save my house and expose the abuses of XXXX and the lie of their incompetent legal firm XXXX from NJ that lie in the Court and soon they will have massive problems. Soon you will get the new Court Doc against XXXX and XXXX and you will see how this abusive bank defraud families. To understand XXXX abuse done intentionally in order to defraud my family we must have a clear open conversation presenting FACTS not XXXX/XXXX  XXXX Bank fantasy in their creative accounting. We must solve this dispute first since XXXX XXXX   XXXX/XXXX abuse not only my family but your bank too. I WILL REPET AGAIN MY CONCERNS : On your INVOICE dated XX/XX/XXXX indication that the following amounts are outstanding so far. Principal Balance is {$180000.00} ; Escrow balance {$17000.00} plus Past due {$78000.00}. So if we add all this the outstanding balance is {$270000.00}!!!!!! In this amount you have more than 500 % overcharge. Please be aware that XXXX XXXX XXXX/XXXX XXXX provide me with an escrow account and there was a large SURPLUS that your bank transformed it incorrectly into a charge WHY?? How it is possible from a large surplus you want to charge me instead? If you need this doc I have it. Your monthly interest is only {$470.00}!! If you divide the past due balance then you have 163 months UNPIAD!!!!!!! OR ALLMOST 14 YEARS UNPAID MORTGAGE. This is FALSE and if we ca have a clear open conversation we can clarify all those lies and abuses done intentionally by XXXX in order to DEFRAUD my family and your institution. My mortgage was with XXXX since year XX/XX/XXXX not since year XX/XX/XXXX!!! This is completely false and INACURATE. On day one when you ask my family to confirm the outstanding balance I confirmed then that all info presented are FALSE and inaccurate but your institution totally ignore it. You took the information from the XXXX XXXX XXXX from NJ that LIE in the Court proceedings and we did not react intentionally since we needed to have all those info presented officially in a COURT of Law and NOW not only we can prove it either through the court system or face to face but we are going to use those lies so this Law Firm will by brought in front of JUSTICE to respond the those intentionally lies done so they can profit from a family with a temporary financial stress. I am sure that this Law Firm will have serious problem from now on because they lie in order to take advantage of a family temporary financial distress and we will report them to all proper institution so they no longer defraud other families. I will not accept to overpay the abuses by a bank like XXXX that defrauded my family and sold ILLEGAL my account to you knowing that they will be investigated and they may lose the banking license for fraud activity. I intend to save my house but NEVER ACCEPT the abuses overcharges of XXXX /XXXX XXXX XXXX . I kindly ask your bank to help my family since I am a victim of FRAUD from XXXX/XXXX XXXX XXXX  that was only interested in defrauding my family. All information provided by XXXX XXXX XXXX to your institution are FALSE as this bank sold an account purchased from FDIC for only {$8000.00} and sold to your bank for at list 6,000 % profit!!!!! My husband instructed XXXX XXXX to get a PR company to see the effect of the abuse done to the clients but so far they ignore it. This is OK since my husband will convince with documents the same Department in Justice Department that investigated XXXX XXXX XXXX to start ASAP investigation against XXXX/XXXX  XXXX XXXX I need help from your bank to solve the dispute intentionally generate by XXXX XXXX in order to generate as much profit as possible before they went bankrupt due to Criminal and Fraud activity. I am sure we are going to prove this in the Court soon too. 
Your XXXXnstitution should avoid the abuse of XXXX XXXX XXXX and try to clarify this abuse before issue any letter. XXXX XXXX XXXX needed ONLY to cover up the FRAUD with the help of this law firm XXXX LIE in the Court. This Law Firm XXXX requested that some people go to my property and vandalize it so my husband register this abuse with the local Serif. 





My husband took the case to SEC the NJ and Pennsylvania Attorney General to Department of Banking and the lawyer that lie in the Court will also get the licenses suspended as well as a legal case too. 
We will make sure that this Law Firm will be responsible for the lies they did in the Court. I believe that we are only at the beginning of what will take place since we are determined to make public the abuse of XXXX/XXXX XXXX XXXX with the help of this law firm. I kindly ask you again for your support in order to solve the dispute and abusive of XXXX/XXXX  XXXX XXXX and not create an even more problems. We are determined not to absorb the abuse of/XXXX  XXXX XXXX. 
If your institution is interested in solving this issue I will gladly come over and bring all documents ignored by XXXX XXXX XXXX  temporary and once this dispute is clear. I am sure we can find a program that allow me to bring the account current or settle the account ( I prefer this ) so we can close it. The outstanding balance should be {$200000.00} and we need to find a solution. The interest calculation and the escrow is false I have a document where XXXX XXXX XXXX  stated in XX/XX/XXXX that there is an overpayment of over {$5500.00} in escrow account!!! 
My property was evaluated at {$73000.00} and your outstanding balance as per XXXX FASLE CALCULATION is XXXX and this is TOTALLY false. In the Court document the lawyer representing XXXX/XXXX XXXX XXXX falsely presented a number of {$250000.00}!!!!! 
This total include a monthly payment of {$1500.00} when in my bank doc is clearly written {$860.00}. So the bank presentation was nothing else than a FALSE AND MISLIDING PRESETATION for this reason we will reach the USA Supreme Court too. I am determined to save my house with all the abuses of XXXX XXXX XXXX Below you will see my disputes. If we can make a settlement it will be beneficial to both parties involved. 
1 ) Balance XX/XX/XXXX was {$180000.00}. As with the modification the total includes the taxes and the interest as of XX/XX/XXXX totaling {$4400.00} paid on XX/XX/XXXX advances. This must be excluded from Escrow /Impound Overdraft Tot {$12000.00}. 2 ) Amount of {$12000.00} representing finance charges only not escrow is incorrect. A standard calculation including the XX/XX/XXXX must total {$12000.00} making total overcharge of {$700.00} 3_ Total Escrow {$12000.00}. Overcharged in this category by {$6400.00} 4 ) Late charges {$910.00}. The bank has now all explanation. Overcharged {$910.00} 5 ) Property inspection : in the reconciliation you will get charges each month of {$11.00} this is not the case as the reconciliation showed that a person come to the house every month for 4 years!!!! 6 ) NSF total {$160.00}. Since I had fraud in my checking account at XXXX XXXX ( now XXXX XXXX ) I was told by XXXX that they will reverse those charges but was never done. Overcharge {$160.00} 7 )  BPO total {$200.00}. No visit to the house but only charges!!!! 8 ) Previous paid foreclosure total {$810.00}. As of XX/XX/XXXX included in the new principal. Overcharge {$810.00} 9 ) Sheriff Serving charge {$99.00}. The Sheriff never served any complaint. Overcharge {$99.00} 10 ) Review file all Pleadings and Loan Doc ( 2hr @ XXXX per hour ) The presentation according with XXXX XXXX and XXXX ID XXXX had been provided by the Acc. Dept. with all explanation. Overstated by {$250.00}. 11 ) Prepare and file Pre-trial XXXX hr @ XXXX = $ XXXX.No need to be charged since the legal fees are separate. Doc prepared by XXXX not by the lawyer representing the bank Overstated by {$620.00}. 12 ) Preparation for Attendance at trial XXXX hr @ {$120.00} = {$1000.00}. Overstated by {$1000.00}. The real payoff amount should be {$200000.00} before we subtract the payment for XX/XX/XXXX for {$860.00} and you will see the explanation below XXXX # 11 with this we do have : {$200000.00} - 868. Also before Ocwen the mortgage was assigned with Mortgage XXXX XXXX XXXX XXXX. 
FINAL PAYOFF TOTAL {$200000.00} I prefer to find a solution to SETTLE this account so I can close this very ugly chapter start4ed abusive by XXXX XXXX XXXX after they purchase this account for 8 cents to 1 dollar. 
I did not received yet your correction of my paid Insurance and decision regarding taxes. Please no longer disregard my letter since reflects real info back up by real documents. If indeed you want to resolve the dispute started intentionally be a very abusive bank all you need to do is read proper all my letters and take it in consideration. Ignoring it will create even more confusion. 
Is time to close this looter organizer and drain the swamp of financial institution that lie to people

Company response to consumer: Closed with explanation