Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XX/XX/year> Subject : Formal Demand for Release of Lien Due to RESPA/TILA Violations, Payment Misapplication, and Invalidated Debt To Whom It May Concern : This letter serves as a formal demand for the immediate release of the lien recorded against the following property : As the lawful beneficiary of the above property, I assert that the lien held by your institution is unenforceable due to numerous material violations of federal and state law. These violations include, but are not limited to : Violations of the Real Estate Settlement Procedures Act ( RESPA ) 12 U.S.C. 2605 ; Regulation X 12 CFR 1024 : Failure to properly apply payments in accordance with the terms of the loan, in violation of 12 CFR 1024.38 ( b ) ( 2 ). Failure to provide a timely and adequate response to Qualified Written Requests, in violation of 12 U.S.C. 2605 ( e ) and 12 CFR 1024.36. Escrow overcharges and failure to manage escrow disbursements within regulatory limits, in violation of 12 CFR 1024.17.

Violations of the Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. ; Regulation Z 12 CFR 1026 : Failure to provide accurate and complete periodic billing statements as required under 12 CFR 1026.41.

Improper interest calculation, inaccurate disclosures of amounts due, and failure to provide a correct payoff amount in violation of 12 CFR 1026.36 ( c ) ( 1 ) and ( c ) ( 3 ).

Improper Fees and Unjust Enrichment : The addition of unauthorized fees and charges without disclosure or proper notice, resulting in unjust enrichment and deceptive servicing practices.

Refusal to correct disputed balances and failure to refund overages or remove fraudulent charges.

Impairment of Title / Cloud on Public Record : The continued enforcement and public recordation of this lien, despite servicing errors and violations, constitutes a cloud on title and obstructs my lawful right to clear ownership.

DEMAND FOR ACTION : Accordingly, I demand the following actions within 15 days of the date of this notice : Immediate release and discharge of the lien via a recorded Satisfaction of Mortgage or Lien Release with the County Recorder.

A written statement confirming that all disputed fees, overcharges, and unlawful balances have been removed from the loan account.

Cessation of all collection activity, credit reporting, or enforcement efforts related to the disputed debt.

You will be responsible for all lien-related costs and compliance expenses, including : - County recording fees- Title curative fees- Legal costs incurred to remedy your servicing errors- Any actual or statutory damages permitted under federal or state law Your failure to respond in good faith or correct the above violations has resulted in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ), HUD, State Attorney General, and relevant financial oversight agencies.

Civil litigation including but not limited to a Quiet Title Action and Claim for Damages under 12 U.S.C. 2605 ( f ) and 15 U.S.C. 1640 ( a ).

This notice shall also serve as evidence of willful non-compliance should legal proceedings be initiated. All rights reserved, without prejudice ( UCC 1-308 ).

Company response to consumer: Closed with explanation