Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have in the past filed many complaints with several regulatory agencies and with the judges and clerks of XXXX County, FL regarding the verification and validation of the collection of my mortgage loan by the servicer, XXXX / XXXX XXXX and now new servicer, XXXX XXXX XXXX, XXXX and I have never received a full certificated response to my Debt Validation Letters, and my QUALIFIED WRITTEN REQUEST, COMPLAINT and DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST lettrs. Neither one of these servicers ( debt collectors ) have complied with each request as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and by RESPA, Title 12 Section 2605 ( e ) of the United States Code as well as the Truth In Lending Act 15 USC Section 1601. Each of these debt collector have failed to follow the law. I have even sent them copies of my credit report showing someone else owning the debt and they still have not provided me with full, clear and certificated proof that they are the ones that have the right to collect the debt. There has even been documents such as Assignment of Mortgage that have been prepared which are suspected to be fraudulent. They continue to send me responses that do not provide enough information to verify the debt nor that they have the right to collect the debt. They provide documents stating that they are original but in court different documents are provided as original. They are not following the law and they are not providing what is required of them by the law. There is suspicion of fraud. 

Entities involved are : 1. Originator : XXXX XXXX a subsidiary of American Home Mortgage ( they filed bankruptcy and went out of business XX/XX/2007 ). Bankruptcy Case Number : XXXX 2. Sponsor : XXXX XXXX XXXX XXXX XXXX 3. Depositor : XXXX XXXX XXXX XXXX XXXX 4. Issuing Entity : XXXX XXXX XXXX XXXX XXXX XXXX 5. Servicers : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 6. Homeward Residential Holdings, Inc. : A company organized by XXXX XXXX XXXX in 2007 which included several platforms and one of them was American Home Mortgage Servicing d/b/a XXXX XXXX 
7. Ocwen Financial Corporation : The company that acquired Homeward Residential Holdings, Inc. 
8. XXXX XXXX XXXX, disbarred attorney who was part of the foreclosure mill in Florida and was disbarred for foreclosure fraud. XXXX XXXX XXXX was the attorney that drafted and filed the assignment of mortgage that was used in my foreclosure action and I suspect it to be fraudulent. 
9. XXXX XXXX, Clerk of XXXX County Court : I sent a letter to the Clerk of Court requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 
10. Chief Judge XXXX XXXX : I sent a letter Judge XXXX requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 
11. CFPB : I have filed many complaints and have appealed the response from the different entities but nothing has been done. No investigation has ever been initiated. 
12. Attorney General XXXX : A complaint was filed with this office but nothing ever happened. 
13. DOJ : A complaint was filed with the DOJ as the settlement agreement with DOJ and XXXX XXXX XXXX list in their Annex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as one of the trusts that are part of the settlement agreement having to do with fraudulent activities of the banks.

Company response to consumer: Closed with explanation