Consumer complaint received 2017-08-28
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I ca n't respond to a complaint we filed previously. I am updating on a response we were sent regarding the " property inspection '' fees. In a letter we received via email we were told that there was not a property inspection done sinceXX/XX/XXXX and only one since XX/XX/XXXX. However, in looking at our latest statement there had been a " property inspector '' at our home on the following dates. ( See statement ) XX/XX/XXXX charged twice.Another mention on the statement inXX/XX/XXXX. All submitting. That is 3. I do n't understand. Has there been 3 property inspections since XXXX? I make a payment every month, late or not. My bank check that is sent for this mortgage comes from my address where we live. It is already verified that we live here and I can verify more if needed. Why am I charged for 3 but yet told there was n't only one? 

Also, when I went to pay myXX/XX/XXXX mortgage payment, it was current because VA had just helped us catch up due tot he fact of my mother in laws passing and us falling behind due to taking care of her debts. VA had paid on XX/XX/XXXX. Ocwen was aware they were going to pay this bill and the set payment by Ocwen at that time was {$1200.00}. Even though they had communicated with the VA and us regarding that there was going to be a payment made to bring us current in the following weeks, there was still extra charges put on without notifying the VA or us of an additional fee of property inspection/late fee. They were asked by us to remove the fee and they will not. 

I contacted them afterXX/XX/XXXX and let them know I will make myXX/XX/XXXX payment after they adjust my fees of property inspection and late fees. 

I also want it noted that I have asked continually to stop having property inspections without notifying me first, because of us notifying them at least once a month of our intentions. They also send letters to us at least once a week. I am unclear of why so many letters when they seem to think we do not live here. Why would we live somewhere else and keep paying on our home? Why are there continual letters and continual property inspections when I have asked for this to stop? 

One letter a month, if we are late is enough. We received numerous letters every month and in respect for wasteful paper, and borderline harassment toward me, a XXXX veteran and my wife, my documented XXXX XXXX XXXX spouse, I would kindly ask them to either send me one letter or a simple email will due. 

I am making a mortgage payment this week. I want it noted that nothing was adjusted and the misunderstanding of these fees. Why is my statement saying there have been 3 property inspections charged and fees yet an email saying there has not sinceXX/XX/XXXX. I would kindly ask that no more inspections be charged or done without notifying me first so I can send you proof that we still live here.I also have told Ocwen numerous times of the " property inspector '' dropping in on us and frightening my family. If they would find another means to see if we still live here, we would oblige instead of these unannounced times or in this case, statements saying they did 2 but their email stating they have not. 

Also, when we submit monthly payments, you can verify through my bank of my property address. This is the update. I would like the fees removed or explain why I am being charged for 3 property inspections onXX/XX/XXXX and 2 onXX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation