Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
For over two years Ocwen Loan Servicing has being trying to foreclose on my property pretending to be a servicer. Original lender XXXX become bankrupt in XXXX.The original servicer American Home Mortgage and XXXX affiliated companies filed for bankruptcy on XXXX XXXX, XXXX. The original Note was satisfied and destroyed during bankruptcy proceeding. The mortgage servicing division of American Home Mortgage was eventually sold to XXXX XXXX XXXX who kept the name of his acquiring company very similar : American Home Mortgage Servicing , Inc. and later changed to Homeward Residential in light of class A action lawsuit and numerous complaints and litigations. 
On XXXX XXXX, XXXX, Homeward Residential was sold to Ocwen Loan Servicing LLC according to SEC report. Thus Ocwen acquired only a computer record of subject loan which was not deleted along with DOT and Note. When Ocwen sent me a loan servicing note, I requested proof of service, but the request was ignored. I never made a payment to Ocwen. Ocwen is trying to collect payments for paid off obligation as it has been done by previous servicer Homeward Residential. So, Ocwen fabricated phantom obligations by borrowing names of XXXX and MERS and Ocwen employees signed false assignments on behalf of those entities. 
Two assignment recorded with Circuit Court were fraudulently prepared, signed, and notarized by Ocwen 's employee, which is subject to criminal investigation for conspiracy and mail fraud ( XXXX. ) Now, when their attempt to foreclose failed because of several lawsuits I have filed against Ocwen, they found another foreclosure mill XXXX XXXX XXXX XXXX VA Beach ( XXXX ) who sent a letter on XXXX XXXX, XXXX informing that my property was placed for foreclosure with their firm. I sent them two times Notice of Dispute and Demand for Validation and Proof of Claim. After the second request I received a letter saying that my creditor XXXX Company ( see attached ). No substitute trustee assignment is recorded as of today, giving XXXX XXXX XXXX right of substitute trustee, therefore they violate Fair Debt Collection Practice Act pretending to be a debt collector in my case. I know that Ocwen hired that company to foreclose on my property. Ocwen and XXXX XXXX XXXX are old time cronies. Both were mentioned in XXXX County, FL, Investigation Report. Examination of County records from XXXX XXXX, XXXX to XXXX XXXX, XXXX was conducted by XXXX XXXX XXXX, XXXX XXXX TX and issued on XXXX XXXX, XXXX. 
Investigators have found and published XXXX legal instruments fabricated, signed, notarized, and recorded by Ocwen 's employee. 
The report also indicated that XXXX XXXX XXXX XXXX have initiated XXXX sales in the County by presenting a fabricated Certificate of Title and Assignment. Investigators concluded that " It is highly likely that the promissory note offered in the case will reflect manufactured endorsement stamps or note allonges ( XXXX ). 
Ocwen sent me a letter dated XXXX XXXX suggesting to modify my loan to avoid foreclosure. I know they ca n't modify the loan that has broken chain of title and no lender. I do not mind to modify my loan and pay to any legitimate lender who has legal right an interest in that property. Five days I called Ocwen to request a modification package and left a message. Nobody called me back. I suspect Ocwen sent that letter to obey the law, but has no intention to modify my loan as it has nothing to do with it. Please help me to get modification package and start the process ASAP. 
I wonder why in our country white collar licensed attorneys-crooks have no worry of being caught and punished, habitually ignoring and knowingly violating law.

Company response to consumer: Closed with explanation