Consumer complaint received 2016-04-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX XXXX, OCWEN took over as my sister mortgage servicer. On XXXX XXXX, without her knowledge, they added property insurance to her home. She was never contacted or was told that the OCWEN needed proof of insurance. On XXXX they started charging her account attorney fees and other charges. On XXXX XXXX they again charged her for property insurance, without contacting her. 
The first sign that there was any issue with her account was late XXXX when they returned her first check, with a letter stating it was INSUFFICIENT TO CURE DEFAULT. When she contacted them, she was informed about the insurance deficiency. One and a half month later, after 3 tries from agent, and then finally staying on the line with representatives from OCWEN, they were able to " find '' her proof of insurance. You would think that that would have been the end of this ordeal, but apparently it is only the beginning. 
Some more timeline. 
XXXX check was also returned for the same reasons. Insufficient to cure deficiency. 
On XXXX XXXX, her escrow account was credited for part of one of the insurance charges. 
On XXXX XXXX they paid off the balance on her actual insurance. 
Late XXXX she received a call from OCWEN that she needed to make a {$3000.00} escrow payment. She made the payment and within 5 days, they had applied to her account. 
On XXXX XXXX the other insurance was credited to her account. 
On XXXX she received papers for her to sign and a schedule of payment. 
She then received a call from agents from OCWEN telling her that she had to make the payments right away. She was told she had to make one payment right away with a money order, she did and then she sent the other two payment. 
Late XXXX she sends me copies of plans for a mortgage modification. I was not aware that OCWEN was her loan servicing company. After doing some background check I advised her to stay away from that company. 
On XXXX XXXX OCWEN sent a delinquent notice of stating she is 145 days late and a totals of {$6500.00}. They are still looking to add to the escrow that is already 3 times what it needs to be, since only the Property Tax is due. 
On XXXX XXXX, My sister had a phone interview with XXXX XXXX, an agent of XXXX. Agent insisted that she needed to sign modifications papers. My Sister advised her that she had sent a check for the {$6500.00}, and that she did not want a modification. Agent proceeded to tell her it was up to OCWEN how they would distribute the funds. 
On XXXX XXXX, I tried to make an on line payment. I did not because it stated that making a payment would mean she was agreeing to their terms and condition to the loan modification. Made the payment using a check and sent it overnight. They received it on XXXX XXXX and have not processed the payment. I checked payment dates sent and when payments were posted. They normally take 3 to 5 days. Since payment is sent to a XXXX XXXX , I could not have someone sign for the payment. I 'm actually afraid it may be " lost '', just like her insurance information. 
On XXXX XXXX, my sister returned a call from OCWEN and spoke to XXXX, agent # XXXX. First he stated that the payment was no good, because it was in the form of a check, when she stated that the letter she received did not specify payment form, he stated that they had to wait seven days before they could post the payment. Historically, they have processed payments 3 to 5 days after they were mailed. They have the current payment since XXXX XXXX. 
I have payment history, insurance history and any form of paperwork necessary to back above information. this company has architected an issue were there was none, and has blatantly refuse to correct the issue. They target mortgages with high equity and weak barrowers that can be entangle easily. Please look at all the complaints against this company, some me not be called for, but

Company response to consumer: Closed with non-monetary relief