Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear Department of The CFBP OMBUDSMAN, Attention Director XXXX XXXX, I am sending this correspondence and would like to fill a complaint against your department as well as the crooked fraudulent mortgage company who is trying to steal my home. 

It is XX/XX/XXXX and your department for the millionth time, once again with inclosing documents NOW, this CROOKED DISHONEST built FRAUDULENT machine is now put me in DEFAULT. You know what that means right? 
My family and I are going be homeless in a little over 30 days. 

A HOME I have been in for 17 years. They are trying to steal my home once again, and all your department does is watch it happened even after I wrote, presented numerous times my evidence such as documents and recorded conversations that can clearly prove what I am saying is true. I have been filling complainants to your department since XXXX about OCWEN In which you sued OCWEN LOAN SERVICING for XXXX XXXX dollars, and as a homeowner, I was never offered or actually even given XXXX single XXXX from what this miserable piece of XXXX company has done to me and my family that your department sued on behalf of homeowners and all the money went to the government and then in return, the company sticks to the homeowner to get their money back from the same piece of XXXX CEO of which was XXXX XXXX XXXX now is OCWEN and Supposedly now PHH MORTGAGE who uses the same fraudulent practices but with just a different name who is trying to illegally STEAL my home For the 2nd time while your department THE CFPB sits back and watch it happen when you know that you SUED OCWEN. They were found guilty under court order for the exact XXXX XXXX thing they're doing to me and my family and I can't believe you allow this to happen. 
Every department, every agency, everyone tells me that this is the department, that THE CFPB can help me : You can't do XXXX and you won't do XXXX. Doesn't anybody IN YOUR department have a backbone? Any kind of SELF-WORTH? Does anybody in The department give a XXXX if a family IS thrown out on the streets, homeless? 
YOU let them, OCWEN steal everything away from them, what they work so hard for, for YEARS I put money in my HOME all to have this fraudulent, greedy built machine come and steal it? ANYTIME they want. Change a contract putting it what we were intended it to say Years later, Try to add an extra {$100000.00} into my mortgage 3 years after I sighed a modification with the same piece of XXXX company that made the deal, agreed to it, and have the audacity to come back 3 years later and add an extra {$100000.00} to my mortgage and you think that's OK? You govern XXXX. 

ADD other XXXX fees and you allow that to happen! When someone I, who signed a contract that I clearly showed this lazy XXXX department they broke it with the intent to defraud me, mislead me, lie to me, to cheat me, DID NOT disclose to me the full terms of everything that was included in my fraudulent modification that I signed back XXXX, In which I paid {$54000.00} into THROUGH A GOVERNMENT PROGRAM ; HAMP and have recorded conversations that I have with permission speaking to OCWEN 'S OMBUDSMAN department a lady by name of XXXX XXXX ADMITTING on the recording that they did not do the proper research to inform me of any other monies that they said I would OWE 3 years later. The true facts, full disclosure it was all hidden from me for Ocwen to use and to come back at a later time to do exactly what their doing now. 

I have proof that I was never given full disclosure which I thought was illegal. Just listen to Recordings if you give a XXXX. 

Admitting that they made a mistake what else do you need? 

This is negligent on their part and they should be responsible for all the XXXX, all the things they put me and my family through, and also compensate my family for the 11 years of torment the XXXX that I put up with this XXXX piece of XXXX company. I actually presented, shown documents with recorded conversations that confirms everything that I am saying to you and you still can't and won't do XXXX. 

Doesn't this department understand this is my home? That I just can't get another one when they ruined every bit of my chance of having some kind of real or decent life? I just wanted to have a mortgage that I promised to pay that I could afford, that I basically agreed to work hard for and pay, that's all I wanted. But I still got a fraudulent, greedy company who wants to take my money illegally and if I don't pay it they threatened to foreclose on my property losing everything that I put into it. This is unbelievable and every single XXXX of you that works for the CFPB should be ashamed of yourself you are XXXX XXXX worthless. 

I have Been defending my home from this fraudulent company since XXXX and all the government agencies sit back, refer me to CFPB and you don't do XXXX. NOW You The department CFPB let OCWEN KNOW it's open season BABY take, steal, anybody 's home they want and we won't do a XXXX XXXX thing! This is unbelievable, unacceptable and yes I want this to be published, printed shown, given to the public to show there is no defense against a fraudulent mortgage company that I might add choose ME, you don't get a choice. You don't get to pick your mortgage company that has a background, a track record of not stealing homes as a business practice. 

How in the XXXX can OCWEN LOAN SERVICING with XXXX complaints worldwide In 49 States been sued numerous hundreds of times even by government agencies your self the CFPB the department of the currency and for the exact XXXX thing they doing to me and my family, have an F RATING with the XXXX XXXX XXXX  WHO can even be allowed to have, to hold, to Collect, be responsible and even purchase my mortgage. 

THIS IS MY OPINION, this department and all the other GOVERNMENT AGENCIES ARE a joke, you should all go home, you should return all the money back to the government for being paid for doing XXXX because nobody in your department, every agency, every government, department, everyone I speak to tells me that you are the XXXX that could help homeowners against mortgage fraud. Which I have clearly shown you everything that I state is true with facts, presented documents with recorded conversations That I recorded with permission that I am going to send again that is confirming that my modification in XXXX I was 'confirmed my mortgage is now current ' by the same piece of a XXXX company and come back 3 years later and try to add extort an extra {$100000.00} to the agreement that I made in XXXX is unbelievable that you just allow that to happen. 

I provided proof of everything that I just stated, confirming what they told me, what they promised me, what they said to me and I sighed a new modification back in XX/XX/XXXX. All this piece of XXXX company did was issue me a new loan number and that new loan number I had to believe all of the correspondents that were presented to me and told me all with the new lone number I no longer had 2 separate loan numbers, this is how easy it is for this crooked piece of XXXX company to steal my house issued a new loan number And I sighed a new contract what I believe was a binding contract in XXXX which turns out to be worth a piece of XXXX. WORTHLESS. And the laws that govern contracts there are no rules, regulations that a fraudulent mortgage company like this one can break at anytime they want. Even in my opinion the CROOKED COURTS, the judges who rule, the paid attorneys are paid by these billion-dollar fraudulent mortgage companies for OCWEN like XXXX 's to perform, lie, cheat, and actually go against all the rules, regulations that they swarmed by Under oath all for that almighty dollar. The billion-dollar company pays them with no ounce of human decency, it's just about the money you perform you get paid no matter who you hurt and what they do. It's actually disgusting to me that this is why half of America is homeless because of fraudulent piece of XXXX companies that are allowed to put in fees and costs expenses, break contracts, demand payment, and if you don't pay it they threaten to foreclose on your property, hire their XXXX Attorney that lie, ignore. suppress evidence, everything that they have sworn by. In my opinion, they are as crooked and as fraudulent as the companies that hire them. THE ATTORNEY 'S in my opinion are like whores, they get paid to perform, process the papers to steal your home and all the courts do is allow it to happen and CFPB that is supposed to govern, regulate, ENFORCE don't do XXXX. 

IN MY opinion, this is why half of America 's is HOMELESS living on the streets cause of greedy bastards that have no Human decency for any human decency it's about GETTING rich no matter whose life we, hurt ruin, it doesn't matter how many. And the government that is supposed to PROTECT homeowners just let it happen. 
What evidence do you need agaisnt a fraudulent mortgage company that gets rich by stealing homes, you want them to be honest, admit their wrongdoing, If that's what you need your the XXXX? Your enforcement is a freaking joke. I only pray that someday XXXX returns the favor, I'm gon na pray hard because Karma is a XXXX! I am just telling you now, I'm living proof of all of it. 

This is has consumed my life has hurt my family to the core, but I guess you don't give a XXXX which is why half of America is homeless to this day because of fraudulent mortgage companies and departments from the government that is supposed to stop it, oversee it, in force laws doesn't do XXXX, I'm living proof. 
When you have to spend all your money defending your home all just to have the judges completely throw out and rule against the homeowner in favor of the fraudulent mortgage company that are known to be fortunate with a victim of fraud, have a track record of fraud, gives the fraudulent piece of XXXX company the right to sue the homeowner for all their fees and attorney cost for just trying to defend their home. Someone's on the payroll in my opinion. Your Department CFPB just sends the correspondence to the crooked fraudulent mortgage company and if they don't wish to respond your department just closes the complaint : it's a joke! 
Your department is a joke. 
You should tell people when they buy a house that they could be defrauded out of it anytime, their mortgage company wants, and their ain't A XXXX XXXX thing you or anybody can do about it. In my opinion, your a bunch of XXXX XXXX. This department, the government agency is just gon na let them STEAL my HOME. Let me tell you something ; when you take everything away from a man and try to hurt his family he's got nothing to lose. 

Who knows someday they might make a movie about me. 

You know the old saying, '' you get more bees with honey. '' But honey doesn't work when you dealing with XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation