Consumer complaint received 2018-04-28
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX ( Saturday ) To Whom It May Concern, My name is ... ... and I have chosen to use bullet points in order to make what I have to say easier for everyone to read. 

I have a mortgage with OCWEN Loan Servicing.  In XX/XX/XXXX two payments of {$200.00}, was returned. The first payment I made, ( as I have done for the previous 7 years with the same banking information was through the OCWEN website. This payment was returned, I was told because no such banking number existed. (??? ) The second time to went to pay this loan of {$200.00}, I paid through a representative with OCWEN, ( agent number unknown ), I gave this agent my routing and checking information over the phone to make the payment again. This payment too was returned for the same reason. 

I called OCWEN yet again, and spoke with Agent # ...., on the afternoon of Thursday, XX/XX/XXXX, we went around and around with my account numbers and he did not feel comfortable taking my banking information, because he could not be sure it would go through and then he told me that if the payment was not in by XX/XX/XXXX, it would go to collections. I have to admit, I lost it! This is absolutely ridiculous as none of my banking information had changed in the last 7 years, since I put it into the OCWEN website. He said to get the correct information from my bank and make a rush payment through XXXX XXXX, which I did. ( Document A ), please see ( Document B ) from XXXX XXXX XXXX XXXX. 

On Friday, XX/XX/XXXX I went to my credit union and had a representative from XXXX XXXX   XXXX XXXX, by the name of " .... '', called OCWEN with me standing right there, to give OCWEN the same information I had given, which was the routing number and my checking account information. He spoke with " ", agent # ... .. 

I would like to point out the following : I got to the Credit Union at XXXX when the doors opened. It took almost an hour for the agent agent # ... .to simply verify my account information. 

'' ", agent # ... XXXX said that OCWEN had my  savings account number which is, ... XXXX, and not my checking number which is, ... ..., OKAY, but the money I had been paying into OCWEN for the last seven years has been coming out of my CHECKING ACCOUNT!! NOT my SAVINGS Account. Please see Documents C, a total of 4 pages. Please these are just a few of the payments of the previous 7 years. Please Documents D, a total of 2 pages. 

Im sure this sounds confusing as it STILL IS to myself. I am so tired of OCWEN they do not know what they are doing. I am writing this letter on Saturday, XX/XX/XXXX as I do not trust OCWEN and I want to make sure everything is documented to the letter! The representative from my and I were told by " ", agent # ... .that everything is now settled. Come Monday, XX/XX/XXXX I pray that this is all taken care of. 

I have a credit score that is in the 800s and I have worked VERY, VERY, Hard to get it there, I will not have it lowered because of this ridiculous incident with OCWEN Servicing. 



CC : The Consumer Financial Protection Bureau ( CFPB )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation