Consumer complaint received 2017-09-12
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In beginning of XXXX I bought my first home and being a first time home owner I was really careful with all aspects of my purchase, My mortgage broker found 3 companies that would give me this loan and after researching all 3 I picked XXXX XXXX  lending because of all the positive reviews that I saw online about them. Less than 2 months after I moved in I got a letter from XXXXXXXX XXXX that they have sold my loan to XXXX XXXX XXXX out of Florida. I did what I usually do and went online to see what kind of company they are and once I saw that they have been sued repeatedly I figured that I had to be extra careful with OCWEN as they seem to be the worst mortgage processing company in the nation. Everything was fine until XX/XX/XXXX, on XX/XX/XXXX I went online to make my mortgage payment like I usually do but the system would not take my payment when I would include my account number that is associated to my loan. I called the XXXX phone number and got XXXX XXXX on the phone, he tried 3 or 4 times to run it and when he could not he transferred me to another team member to see if they can make it work and they could not and I was transferred 2 more times to two other employees and neither of them could run it either and I was send back to XXXX XXXX, he told me to go to my local XXXX XXXX store to make the transfer in person. I drove down to the local XXXX XXXX store and attempt to make the payment there but it was having the same issue, THEY COULD NOT SUBMIT MY PAYMENT USING THE ACCCOUNT NUMBER THAT IS ASSOSIATED WITH MY LOAN ACCOUNT. I called the 800 number again and they advised me to just put my FIRST and LAST name instead of the account number and when they receive the payment they will assign it to the right account. I figured they know what they are doing and made the payment using my FIRST and LAST name instead of the account number as I was told to do, I made the payment for the month of XX/XX/XXXX and XX/XX/XXXX the same way as the there system would not take the payment using my account number. 
In XX/XX/XXXX I received a letter from OCWEN stating that I am 3 months behind in my payments and they want to foreclose on my house and when I checked my credit my score had dropped by 100 points because they had reported NO PAYMENT for 90 days. I called them the they would not even want to talk to me unless I would pay them {$12000.00} for the last 4 months of mortgage and penalties. 
This is wrong, I paid every month on time and they have destroy my credit score and now they want to foreclose on my house too, I went online and came across a XXXX XXXX article that stated OCWEN was sued in XX/XX/XXXX for exactly this types of actions and they paid fines. How is it that they are still able to do this, destroy people lives and get away with it, all the law suit did is get the lawyers and the states richer the poor defendants that lost their homes got {$3000.00} from them!!? This is wrong, I have never seen such illegal acts that have effected so many people to go as long as this guys have. They need their own episode on XXXX XXXX series. 
I want them to make this right, I want them to apply the payments on my account and retract their None-payment report back from the credit agencies and fix their payment portal so this will not happen in the future.

Company response to consumer: Closed with explanation