Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My husband and I are being taking advantage of by Ocwen Loan Servicing LLC.. We are part of the XXXX XXXX Consent Order targeting XXXX females in the XXXX XXXX ( XXXX, New York ) area. Since XXXX, Ocwen never notified us that the loan was part of the civil action. As a servicer, they were obligated to inform us and stop collection practices. I realized this last week when I reviewed my property records. Also, Owcen strategically did not put my name on the tax records only show my husband name to that the loan was not affected by the Order. A Satisfaction of Mortgage from XXXX XXXX was recorded and was PAID IN FULL and HAS NOT BEEN ASSIGNED. We are XXXX XXXX XXXX and every time my husband and I call, l we are always getting the run around about the account. There are major concerns ; in essence 1 ) From our calculations, the escrow account has a surplus and need to be refunded and canceled. I want an audit and review of the escrow from XXXX XXXX through XXXX XXXX ( 82 Months ). Please discontinue the escrow, we will pay the insurance and taxes for our property. 2 ) .The alleged loan was terminated by way of Satisfaction of Mortgage was filed by XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and was PAID IN FULL. This is the only and latest document filed against the property. A Federal lawsuit was filed and a Settlement Agreement and Consent Order was filed in XXXX XXXX by XXXX outlining the issues regarding the Satisfaction of Mortgage that was filed on my property. Both Documents are attached. 3 ). Any and all payments you received from us should be refunded from XXXX XXXX, XXXX through XXXX XXXX. A total of 82 months ( 15 years ) Principal and interest.4 ) Going forward, no payments should be required for the allege loan. A new mortgage lien release need to be excecuted and filed for the property.because of the XXXX Order there 's no contractual agreement after XXXX XXXX XXXX. I 'm in receipt of The Annual Account Disclosure Statement dated XXXX XXXX, XXXX. There are a numerous discrepancies with this Statement. The XXXX XXXX XXXX XXXX XXXX and insurance was projected and charged in error through the Escrow Account from XXXX XXXX XXXX XXXX XXXX, XXXX from OCWEN in ERROR. I 'm sending you copies of the XXXX XXXX Quarterly tax bills for XXXX XXXX through XXXX XXXX, XXXX. My account has a surplus and I 'm requesting a refund.. 
Pursuant XXXX ( f ) ( XXXX XXXX of TILA, please provide the full name, address and telephone number of the current owner of the original mortgage note. This request is also a Request for Information Pursuant to XXXX of Regulation XXXX Pursuant to this section XXXX ( d ) ( XXXX ) ( i ) ( A ) you must respond no later than 10 business days after you receive the REQUEST for INFORMATION. 
As of today, I 'm showing XXXX XXXX XXXX filed a Satisfaction of Mortgage on XXXX XXXX, XXXX based on the XXXX Consent Order filed on XXXX XXXX, XXXX. I 've enclosed XXXX documents for your review. Please provide a documented Note, Deed of Trust along with an current notorized Affidavit from the investor employee stating that the allege contractual agreement is enforceable under applicable New York XXXX XXXX and Consumer Financial Protection Bureau Under the Fair Debt Collections Practicing Act and Fair Debt Credit Reporting Act, If you are not able to provide this information, Ocwen as the service r and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. I 'm requesting a Mortgage lien release on the property immediately and a refund for all 182 monthly principal and interest relating to the loan from XXXX XXXX thru XXXX XXXX and all items need to be omitted from our credit report because they are not Factual

Company response to consumer: Closed with explanation