Consumer complaint received 2016-06-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX and OCWEN is my current mortgage servicer. My property is XXXX XXXX XXXX. XXXX XXXX, SC XXXX. I purchased my home in XX/XX/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 two months 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. 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 XXXX as I am a service member, making communication challenging. My wife on more then one occasion has told OCWEN and GMAC employees that I have been XXXX 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 XX/XX/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 have filed these before and most recently the history I was provided did not reflect the many times OCWEN has had to reverse misapplied payments, which brings into question their accounting practices. What also is disturbing is the fact I have had negative reporting while items were in dispute which to my understand is in violation of TILA the Truth in Lending Act and had negative reporting while XXXX which is my understanding is in violation of the SCRA. Most recently I have been requesting copies of my ESCROW analysis and have not received it. I have not received a copy of my escrow analysis in over two years. Now that I am considering modification and have requested the forms I have not received that either.

Company response to consumer: Closed with explanation