Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing LLC has failed to validate my Qualified Written Request. I am in the state of XXXX. I have sent Ocwen 4 Qualified Written Request and also two Debt Validation Letters by Certified mail. I have asked them to validate the alleged debt that they say that I owe to them. I have informed them that I suspect errors of the amounts owed, over charges, interest etc. Also I have found after my Lender filed a assignment of rents in XX/XX/XXXX they went out of business and there has never been any other assignments in the county records after 8 years. There has been only one Lender attached to my mortgage since XXXX XXXX. Section XXXX of my mortgage states the Lender is supposed to contact me. Ocwen servicing is not my creditor lender. As of this date Ocwen has refused to validate the debt. My complaint is regarding their refusal to answer and prove the debt. They received my first letter dated XXXX XXXX. Ocwen continues to report to XXXX, XXXX and XXXX every month since I sent all the debt validation request to them. These are clear violations of the law. Ocwen has sent me many letter and monthly statement asking me to submit payments since they have received these request. I received XXXX demands for payment letters in one day in separate envelops along with many other letters and statements since my request for validation. Ocwen also informed me in writing that they do not have to answer me. They do n't follow the law because no one stops them. They make so much money by trickery and greed they have completely gotten out of hand. Ocwen loan servicing debt collector started harassing me with phone calls in XXXX XXXX. I then asked them in writing to stop calling me all day every day from XXXX and from their office. The phone call problem continues as to this day, they use different phone number now. The last dates that they reported and pulled my XXXX, XXXX and XXXX personal credit file are XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX. I have also sent disputes to all credit agencies by certified mail. Ocwen is clearly in Violation of the FDCPA, FCRA, XXXX, XXXX. Ocwen has also infiltrated my information with the county clerk 's office they have filed bogus assignment in XX/XX/XXXX asking for all the interest from the deed of trust and had a Premium Title OF XXXX record the substitution of trustee in XXXX XXXX, which states, when recorded mail to XXXX XXXX XXXX in XXXX XXXX meaning that they are planning to sale my property, which they know that they have no legal right to do. This is fraud, these people need to be arrested for what they are doing to innocent people that do n't have any idea what they are doing to them. 
Ocwen is also reporting false information in my credit file. I would like to know how they are able to tamper and back date to XX/XX/XXXX and place their information in my file and remove my original lender 's information and place their name in the file this is very strange. These people are corrupt. It sound to me like they are paying the credit agencies off to input false information. How else would they be able to tamper with my personal credit records. This is very serious to me and needs to be looked into. This is clearly fraudulent activity. 
There needs to be an immediate investigation regarding Ocwen Loan Servicing LLC, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation