Consumer complaint received 2018-07-25
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer is OCWEN ( OCW ). In XXXX OCW after became servicing my account ( ACCT ) OCW created a negative Escrow Balance ( EB ) without any justifiable reason. My Homeowner Insurance Policy ( HIP ) as well as my Property Taxes ( PT ) were paid by me as per my initial Loan Agreement ( LA ). From XXXX until about XXXX or XXXX I've maintained continuous HIP coverage provided by XXXX XXXX ( XXXX ). For no justifiable OCW regularly more than once charged me for " Forced Insurance Policy '' ( FIP ) at much higher rate. Because of OCWs FIP my Regular Monthly Payments ( RMP ) were routinely and illegally increased by OCW. My attempts to remove unnecessary FIP by calling OCW Customer Service Calling Center ( CSCC ) were not successful. In XX/XX/XXXX my house sustained severe damage by partial collapse of two foundation walls. At the time of the collapse my HIP was provided by XXXX. Repair Cost Estimate ( RCE ) about {$44000.00}. The RCE was made few days after the collapse at the time when majority of debris was still not removed yet. XXXX refused to cover my claim. For over a one year XXXX was communicating back and forth with my attorney denying to pay for the damage - law suit was filed in XXXX with Jury Trial ( JT ) demanded. JT was scheduled in XX/XX/XXXX. New up to date RCE was made in XX/XX/XXXX it came to be {$49000.00} without counting in cost of work done in XX/XX/XXXX-XX/XX/XXXX. My attorney without my permission settled the initial {$43000.00} claim for {$39000.00}. The attorney took {$14000.00} for his legal fees which left only {$24000.00} to apply towards {$49000.00} needed to finish the repair. I refused to accept {$39000.00} settlement ( STTL ) or any portion thereof because {$24000.00} was not enough to be used even for 50 % down payment to start the repair. Because the STTL proposal was done without my knowledge or approval as per 30 .A.L.R.2d 944, 945. and 7AmJur2d, 156, the attorney lacked authority to waive my right to JT or to settle for less than full amount .. O.C.G.A. 15-19-6 State Bar DR 7-102 ( A ) ( 9 ). 
Throughout years XX/XX/XXXX-XX/XX/XXXX OCW continued charging me excessive amounts for Escrow Reimbursement ( ER ) as well as other fees ( OF ). Because none of my calls to OCWs Customer Service Calling Centers ( CSCC ) yield resolution or explanation of ER charges or correction of OCWs errors. Ive decided to initiate communication with OCW Account Specialists ( OAS ) instead of wasting time calling CSCC. Throughout XX/XX/XXXX-XX/XX/XXXX Ive used OCW website to schedule phone calls with OAS XXXX XXXX ( XXXX ) and later with XXXX XXXX ( XXXX ) unfortunatelly neither of them was able to explain ER charges or tell me what has happened to funds OCW overcharged ( OVRCH ) me for FIP or ER. Initially I was told that OVRCH funds were applied to my Principle Balance ( PB ). Later after OCW provided me with my Account History Printout ( AHP ) I found that none of OVRCH funds ( about {$2800.00} ) were applied to my ACCT. In XX/XX/XXXX-XXXX XXXX I was told by XXXX that OCW issued and mailed me Refund Checks ( RC ). No RC came in XXXX. One RC arrived in XX/XX/XXXX. Because OCW blocked my online user password in XXXX I could not submit my RMP online, because of that Ive started to mail my RMP to OCW by USPS Registered or Certified Mail with Delivery Confirmation Receipt ( DCR ) requested. All of my RMP were accompanied with letter demanding OCW to provide me with correct billing as well as return of OVRCH unaccounted funds. OCW failed to apply my RMP to my ACCT since XX/XX/XXXX-XXXX XXXX forward. In XX/XX/XXXX Ive mailed a Certified DCR letter addressed directly to Mr. XXXX CEO of OCW demanding response with explanation of OCW refusal to apply my RMP. Ive also requested to be provided within 30 days correction of OCW accounting errors in accordance with Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692. 
OCW did not respond to my letter to this date XX/XX/XXXX. OCW instead scheduled Forclosure Sale ( FS ) of my residence for XX/XX/XXXX. OCW failed to provide me a 30 notice of FS as per O.C.G.A. 44-14-162.2 ( a ). The FS was brought to my attention by text Ive received from unknown individual on XX/XX/XXXX informing me that my house was listed for sale in XXXX XXXX XXXX which is XXXX County Newspaper. On XX/XX/XXXX Ive filed a law suit against OCW for Breach Of Contract ( BOC ) and wrongfull FS in US XXXX District Court of Georgia as a case XXXX. It is a matter of record that OCW in pursuance of FS violated number of Georgia as well as Federal Laws. OCW employees specifically committed felony/ies as per O.C.G.A. 16-10-20.1 by submitting Security Deed ( SD ) containing false information for recordation with Clerk of XXXX County Property Records ( CCCPR ) used later by OCW for initiation and execution of illegal FS. 
My loan servicer is OCWEN ( OCW ). In XXXX OCW after became servicing my account ( ACCT ) OCW created a negative Escrow Balance ( EB ) without any justifiable reason. My Homeowner Insurance Policy ( HIP ) as well as my Property Taxes ( PT ) were paid by me as per my initial Loan Agreement ( LA ). From XXXX until about XXXX or XXXX I've maintained continuous HIP coverage provided by XXXX XXXX ( XXXX ). For no justifiable OCW regularly more than once charged me for " Forced Insurance Policy '' ( FIP ) at much higher rate. Because of OCWs FIP my Regular Monthly Payments ( RMP ) were routinely and illegally increased by OCW. My attempts to remove unnecessary FIP by calling OCW Customer Service Calling Center ( CSCC ) were not successful. In XX/XX/XXXX my house sustained severe damage by partial collapse of two foundation walls. At the time of the collapse my HIP was provided by XXXX. Repair Cost Estimate ( RCE ) about {$44000.00}. The RCE was made few days after the collapse at the time when majority of debris was still not removed yet. XXXX refused to cover my claim. For over a one year XXXX was communicating back and forth with my attorney denying to pay for the damage - law suit was filed in XXXX with Jury Trial ( JT ) demanded. JT was scheduled in XX/XX/XXXX. New up to date RCE was made in XX/XX/XXXX it came to be {$49000.00} without counting in cost of work done in XX/XX/XXXX-XX/XX/XXXX. My attorney without my permission settled the initial {$43000.00} claim for {$39000.00}. The attorney took {$14000.00} for his legal fees which left only {$24000.00} to apply towards {$49000.00} needed to finish the repair. I refused to accept {$39000.00} settlement ( STTL ) or any portion thereof because {$24000.00} was not enough to be used even for 50 % down payment to start the repair. Because the STTL proposal was done without my knowledge or approval as per 30 .A.L.R.2d 944, 945. and 7AmJur2d, 156, the attorney lacked authority to waive my right to JT or to settle for less than full amount .. O.C.G.A. 15-19-6 State Bar DR 7-102 ( A ) ( 9 ). 
Throughout years XX/XX/XXXX-XX/XX/XXXX OCW continued charging me excessive amounts for Escrow Reimbursement ( ER ) as well as other fees ( OF ). Because none of my calls to OCWs Customer Service Calling Centers ( CSCC ) yield resolution or explanation of ER charges or correction of OCWs errors. Ive decided to initiate communication with OCW Account Specialists ( OAS ) instead of wasting time calling CSCC. Throughout XX/XX/XXXX-XX/XX/XXXX Ive used OCW website to schedule phone calls with OAS XXXX XXXX ( XXXX ) and later with XXXX XXXX ( XXXX ) unfortunatelly neither of them was able to explain ER charges or tell me what has happened to funds OCW overcharged ( OVRCH ) me for FIP or ER. Initially I was told that OVRCH funds were applied to my Principle Balance ( PB ). Later after OCW provided me with my Account History Printout ( AHP ) I found that none of OVRCH funds ( about {$2800.00} ) were applied to my ACCT. In XX/XX/XXXX-XX/XX/XXXX I was told by XXXX that OCW issued and mailed me Refund Checks ( RC ). No RC came in XXXX. One RC arrived in XX/XX/XXXX. Because OCW blocked my online user password in XXXX I could not submit my RMP online, because of that Ive started to mail my RMP to OCW by USPS Registered or Certified Mail with Delivery Confirmation Receipt ( DCR ) requested. All of my RMP were accompanied with letter demanding OCW to provide me with correct billing as well as return of OVRCH unaccounted funds. OCW failed to apply my RMP to my ACCT since XX/XX/XXXX-XX/XX/XXXX forward. In XX/XX/XXXX Ive mailed a Certified DCR letter addressed directly to Mr. XXXX CEO of OCW demanding response with explanation of OCW refusal to apply my RMP. Ive also requested to be provided within 30 days correction of OCW accounting errors in accordance with Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692. 
OCW did not respond to my letter to this date XX/XX/XXXX. OCW instead scheduled Forclosure Sale ( FS ) of my residence for XX/XX/XXXX. OCW failed to provide me a 30 notice of FS as per O.C.G.A. 44-14-162.2 ( a ). The FS was brought to my attention by text Ive received from unknown individual on XX/XX/XXXX informing me that my house was listed for sale in XXXX XXXX XXXX which is XXXX County Newspaper. On XX/XX/XXXX Ive filed a law suit against OCW for Breach Of Contract ( BOC ) and wrongfull FS in US XXXX XXXX XXXX of Georgia as a case XXXX. It is a matter of record that OCW in pursuance of FS violated number of Georgia as well as Federal Laws. OCW employees specifically committed felony/ies as per O.C.G.A. 16-10-20.1 by submitting Security Deed ( SD ) containing false information for recordation with Clerk of XXXX County Property Records ( CCCPR ) used later by OCW for initiation and execution of illegal FS.

Company response to consumer: Closed with explanation