Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
SENT OUT RESCISSION LETTER, CERTIFIED RECEIPT, SIGNATURE, TO ALL PARTY TO FRAUD TRANSACTION, LETTER WAS MAIL XXXX XXXX XXXX, NO RESPONSE OTHER THAN EMAIL FROM ATTORNEY 'S OFFICE. BELOW IS A COPY OF THE EMAIL. THESE ARE FRAUDULENT MERS/MERSCORP/MERS ANYTHING, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC, IS A COMPUTER. COMPUTER CANT HOLD REAL PROPERTY. BY LAW. 

AS OF XXXX, XXXX XXXX. THEY HAVE NOT COMPLIED WITH THE LETTER OF LAW. THAT ALL MONEY COLLECTED, MADE IN CONFECTION BY THEM TO BE RETURNED XXXX US, ALONG WITH THE CANCELLATION NOTICE OF MORTGAGE AND NOTE. AT REGISTRY OF DEEDS OFFICE. 

From : XXXXXXXXXXXX : XXXXXXXXXXXX : save important news ocwenDate : Mon, XXXX XXXX XXXX XXXX XXXX -- -- -- -- Original Message -- -- -- -- Subject : RE : URGENT!!! XXXX Files # : XXXX : Information & lt ; XXXXXXXXXXXX & gt ; Date : Mon, XXXX XXXX, XXXX XXXX -XXXXTo : XXXX XXXXXXXXXXXX XXXX File Number : XXXX is currently no sale scheduled for this property, the foreclosure sale that was schedule for XXXX XXXX, XXXX at XXXX, has beenCanceled by our office, we were told by OCWEN to stop any further and future actions on this property. That XXXX a XXXX XXXX, XXXX XXXX, had as of the XXXX XXXX XXXX, rescinded the mortgage contract and mortgage note. and that OCWEN LOAN SERVING, LLCHas accepted the rescission, along with XXXX XXXX XXXX, XXXX. AS TRUSTEE FOR GMACXXXX MORTGAGE LOAN TRUST XXXX. There will noFurther actions taken, NOW and in the FUTURE will be taken by either party on this property, because of the acceptances of both parties to theRescission of the loan contract, mortgage, and note, dated XXXX XXXX, XXXX. It has come to our attention that the loan contract, and mortgage, and mortgage note, has not been CONSUMMATED by the TRUE LENDER, THAT THE TRUE LENDER OF ANY AND ALL MONEY PAID TO ALL PARTY 'S TO THE MORTGAGE TRANSACTION, THAT WAS GIVEN TO CLOSING ATTORNEY, WAS NOT GMAC MORTGAGE CORP, GMAC MORTGAGE CORP did not fund the loan contract or mortgage, and the mortgage note. The Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq, enacted on XXXX XXXX, XXXX, as title I of the Consumer Credit Protection Act ( pub. L. 90-321 ). The TILA, implemented by Regulation Z ( 12 CFR 1026 ), became effective XXXX XXXX, XXXX it has come to our attention that the required DISCLOSUREWere never given to XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX , prior to and during or afterwards the closing date of XXXX XXXX, XXXX. By the properParties, and true lender or creditor of the mortgage contract, and note, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX XXXX, MA XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXXXXXXXXXX job includes exceptional customer service. If you would like to comment on the service you have received, please email your feedback to XXXXXXXXXXXXFederal law requires us to advise you that communication with our office could be interpreted as an attempt to collect a debt and that any information obtained will be used for that purpose. 

XXXX CONFIDENTIALITY NOTICE : This e-mail and the documents accompanying this transmission contain confidential information belonging to the sender which is legally privileged. The information is intended only for the use of the individuals or entities named above. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or the taking of any action in reliance on the contents of this e-mailed information is strictly prohibited. If you have received this e-mail in error, please immediately notify the sender by e-mail at the address above. The transmission is to be deleted and any items that may have been printed are to be destroyed. Thank you for your compliance.

Company response to consumer: Closed with explanation