My loan with Ocwen Financial was an investment loan for my rental home in Texas. Which I am the only person on this loan. Im a single person. I have owned this home since
My past tenant at the time in December 2010 /January 2011 received mail from Ocwen at the address of this loan. They had my personal home address which they were sending letters to me because I had a tenant at the loan address. They over looked this and sent mail to my rental home. My past tenant received the mail got my loan number and my personal information on this loan.
My past tenant called Ocwen. My past tenant asked them to send him at his person email
address a loan modification application for this loan, he asked them to address it to a fatuous name , Whom I dont know, Who is not on the loan. They sent him my past tenant at his personal email address a letter addressed to the fatuous name and instructed him on the modification process. He forged my name and the fatuous name and sent it to 2 foreclosure lawyers for Ocwen He then send the forbearance payment that he and Ocwen agreed to as they requested.
They did not require him to go through the government regulated rules. Ocwen approved this modification with no financials, no pay stubs, etc. My tenant told them the financials were the same as the last modification they did not ask for any documents other than the signed modification agreement.
They sent my past tenant a letter for the modification agreement written out to a fatuous person, sending it to a persons personal email address that neither person is on my loan. The loan modification was approved.
I have corresponded with Ocwen, I explained they had corresponded with my past tenant who is not on my loan and they approved a loan modification with a forged document. I was told by the modification manager she could not discuss the fact that they received and sent information to a 3rd party not on my loan.
Now Ive been denied of my loan modification twice because they say I dont live at my property where the past tenant lived. I have lived in this property since February, 2012. I sent them the court eviction documents of the past tenant that was evicted. As I have stated to them several times I sent utilities bills, cable bills, car insurance, the home insurance for this property, electric bills all in my name with the address of my home, they still denied me wrongfully Then they approved me. The dated on the loan agreement was backed to December 2010 when the forgery took place, which the actual correct date which was dated on the new loan modification via email was around May, 2012. I wrote them back thanking them for the loan modification, asking them to put the correct date on the loan
modification agreement. I have not hear back from them and they will not discuss this either.
They approved my past tenant not the home owner with no proof of any kind that he was qualified or even on this loan, now Im on a pre-foreclosure list for this home. I spoke to my modification manager what a joke she is .. I explained to her I sent all the required documents in at least 5 times, I gave her my relationship managers name and she said via email they did not have an employee by that name. Later she said she found the employee.
Im looking for an attorney that will take my case. I have plenty emails, written documents and a copy of the forged documents. I have friends that have heard the conversations with this company.
Federal security lending laws were broken, unlawlfy qualifying without the required government guidelines being met, income documents and proof of ownership not being
verified. Corresponding with two, 3rd parties not on my loan and unlawfully denying
me of my modification because they said I dont live in my home which I do !
There is so much more to this I dont have the time or space to put it all on this
page. The past tenant is a well know con ( which I did not know when I leased to him ) that has a federal restitution of 38 million owed to his last victims of his poesys scams please contact me if you can help me with this case. If you have been wrongfully denied of a home modification or discriminated against by Ocwen please write your story.
Thank you for your time.