Consumer complaint received 2024-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
Subject : Urgent Request for Intervention Against Ocwen XXXX I am writing to urgently request your intervention regarding Ocwen XXXX. Despite lawful attempts to resolve discrepancies and obtain necessary documentation through debt validation requests, Ocwen XXXX has ignored multiple requests from me, other companies, and my attorney. 
Ocwen XXXX Actions : 1. Failure to Comply with Federal Laws : Ocwen has not adhered to the Fair Debt Collection Practices Act ( FDCPA ) and the Real Estate Settlement Procedures Act ( RESPA ), ignoring lawful requests for debt validation and essential documentation. 
2. Unsubstantiated Statements and Obstruction : Ocwen has provided false statements regarding the debt and obstructed my ability to obtain vital documents, severely impacting my ability to manage my financial affairs, including maintaining basic living necessities. 
3. Holding Title Hostage : Ocwens non-compliance and obstruction have effectively held my property title hostage, preventing access or utilization of my assets. 
XXXX. Repeated Attempts to Extract Funds : Ocwens repeated attempts to extract additional funds by holding my title hostage reveal a long-term pattern of misconduct. Proper accounting will show I have paid endlessly on this debt. This recent attempt to restart the process has enabled me to uncover these issues. 
XXXX. Violation of State Laws : Ocwen has not sent any debt information letter for years, nor reported it to the XXXX group, yet claims I am in collections for a debt never shown to me. They continue to withhold the full account history despite many requests. According to the XXXX XXXX Fair Debt Collection Practices Act ( XXXX ), a debt collector must provide written notice including the amount of the debt, the name of the creditor, and a statement that the consumer has 30 days to dispute the debt 's validity within XXXX days of initial communication. Ocwens failure to comply with these requirements further illustrates their disregard for consumers and the law. 
Impact on My Life : Financial Strain : Ocwens prolonged delay and obstruction have placed me in severe financial distress, threatening my ability to maintain essential living conditions. 
Legal and Emotional Toll : Engaging in protracted and costly legal battles has placed an overwhelming burden on me, both financially and emotionally. I have exhausted almost all available resources in pursuit of justice and compliance from Ocwen. 
I have thorough documentation, including electronic bank statements and bankruptcy court documents, demonstrating my compliance and payment of all debts during and XXXX 
Given the severity and urgency of this matter, I implore your office to intervene immediately. Ocwens actions violate federal and state laws and pose a significant threat to my livelihood and financial stability. As a resident of XXXX XXXX, I rely on your authority to protect consumers from such egregious misconduct. 
My requests are twofold : XXXX. Immediate Action : Compel Ocwen to comply with federal and state laws, provide the requested documentation, and cease their obstructive behavior. 
2. Legal Standing Confirmation : Confirm my legal standing based on their federal and/or state violations to pursue further legal actions accordingly. 
Thank you for your prompt attention to this urgent matter. I am available to provide any additional information or documentation required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation