Consumer complaint received 2016-01-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN is my current mortgage servicer. My property is XXXX XXXX, SC XXXX. I purchased my home in XXXX and my servicer previously was GMAC before they filed chapter XXXX bankruptcy. I have had ongoing problems for over 3 years now in the handling of my account. Currently, I am being told that I am behind by over a month on my payments. Over the course of my loan I have had my payments misapplied to principle only and various other issues which at times would make my account delinquent. On many occasions I have had to call and apply extra payments to ensure my account was current to avoid being reported as delinquent on my credit report due to these issues. At XXXX point less then a year ago I was even denied a loan point of contact saying I did not have XXXX but I believe that is a part of the XXXX. Their have also been several calls made in which I was told my account was up to date and or caught up over the last 3 years and now I am being told I have not been on time in over 2 years. 
Communication has been poor at best with OCWEN. Miscommunication has been amplified due to my XXXX deployments as I am a service member, making communication challenging. My wife on more then XXXX occasion has told OCWEN and GMAC employees that I have been deployed in effort to make them aware of the SCRA and has been rebuffed. Even now I am provided pay histories and as I look at it it does n't show when my payments were misapplied and then reapplied which possess a major problem in itself. I am being told I began to fall behind when my ESCROW payments increased but the issues predate that action making it seem like all I am being handed is an excuse to get me to pay with no true effort to find the source of the issues. On top of that the increase in ESCROW would not be when it started as it can also be seen that additional payments were being made to my mortgage to cover that increase. 
At this point the negative reporting on my account is potentially impacting my government clearance, which is need for my job. I am also experiencing a negative financial impact, as I can not refinance with negative reporting. We have requested ESCROW statements since XXXX and none have been provided or received and I am aware of the CFBP and XXXX requirements of service. In the end I have received only a partial history again. No real research has gone into the issue either. My account has been mismanaged for many years now and it appears true to the reputation of OCWEN it is continuing. 
I do not want a handout, all I am looking for is that any delinquency that can not be clearly accounted for be credited to my account and the negative reporting to the credit reporting agencies be removed. I also wonder if my payments are behind why I was never offered a modification under the XXXX. I have asked multiple times about the XXXX and have never had a specialist answer my questions. I am always just told " no '' with no visible effort to verify. It almost seems as if they do not want to offer me anything under the provisions of the XXXX and are stalling until it expires so that they do not have to. I have educated my self on the settlement OCWEN has just had with the state of New York and it sounds like I am having the same issues. As I have said in this letter and many times over the phone, I would like the negative reporting to cease and past reporting removed since nothing has been proven and if in fact OCWEN after many years of trying can finally show me when my payments became late I will have no problem bringing my account current. OCWEN seems to operate in either secrecy or they just simply do n't seem to know what they are doing.

Company response to consumer: Closed with explanation