Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
There were three payments made to collection agency. XXXX XX/XX/XXXX to request accounting authenticate and notice of rescission of a ledge loan. Collection sent a letter with no evidence per what we had requested. Sent out Notice of injury XXXX XX/XX/XXXX. Collection sent nothing based on what we had requested. XXXX XX/XX/XXXX sent out cease and desist letter and questionnaire. Received letter ( s ) in XX/XX/XXXX from Collections stating the loan has been referred to an attorney to start foreclosure process. Sent a very bad copy of Balloon Rider aka the NOTE. In the collection response they stated they are not the holder. So, who is the holder? If the holder has not demanded payment, then there lies the problem. Fact : the collection agency is not the holder in due course then this would be extortion or loan sharking and fraud. 

There is no reason to pay collections under 26 CFR 1.1275-3 - OID information reporting requirements plus under title 15 U.S.C., Sec. 1601,1692. They were upset about our claim of fraud. We can provide proof of some fraud and suspicious documents related to the accounting by parties. Final cease and desist along with RESPA request to be answered going out within days. 
These are some the codes they have violated : 26 U.S. Code 7206. Fraud and false statements 26 U.S. Code 1273. Determination of amount of original issue discount 26 CFR 1.1275-3 - OID information reporting requirements 26 U.S. Code 7201. Attempt to evade or defeat tax The loan amount can not be verified by lender, servicer, and or trustee then what is the claim of a debt is about. I have supplied lots of documents for  review. Based on the documents supplied. How do you owe more on the loan 10 years later then you borrowed? Scan XXXX XXXX & XXXX was reported to the IRS. Scan 24 balloon rider of the deed of trust demands {$130000.00} due XXXX XX/XX/XXXX on top of the loan of {$250000.00}. Would be predatory lending? Collector XX/XX/XXXX statement states the account sent over to an attorney to start foreclosure process. The collector is not the holder in due course, but they want to foreclose. They need to validate the debt first but no they are qualified XXXX group engaging in economic XXXX  as domestic or in foreign status. Can you verify they have right to do business in California? This is the STATE OF CALIFORNIA major XXXX campaign operations domestic and in foreign status engaging in economic XXXX   activities of all sorts. This definitely falls in line with economic XXXX. We will be cancelling this account with INTERNAL REVENUE SERVICES asap. The real estate was paid in full before or at closing. Senior citizens need not to take advantage of by bad business practices. Scan 13 show the owner ( s ) are tenants in their own home.

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C., Sec. 1601,1692 et seq, this constitutes timely written notice that I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. 
Under Title 26 852 and 862 Collection Agency do not qualify as a Real Estate Investment Trust REIT which makes you in possession of contraband. 

We appreciate you looking into these issues. The original lender and trustee is out of business so it is most important we get all assignments documents to make show no fraud has taken place. We are very aware of what these domestic or foreign crews will do to steal assets from you, me or anybody under mortgage fraud. This would be not limited to refiling the original deed, making up a new deed, using variation of like name ( s ) to file into the courts to obtain summary judgement, out of state crews to produce documents, none holder of the instrument to file claim as monies are owed to them and the list go on and on. There is a possibility they won't even notify you to come to court. You need to take a real close look at this crew and associates. There could be some type of security fraud that my need to be reported to the Security Exchange Commission to investigate. Highly financed crew ( s ). They will not and have not comply with federal laws.

Company response to consumer: Closed with explanation