Consumer complaint received 2015-10-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

My mortgage loan through Ocwen Loan Servicing , LLC was going along fine until XX/XX/XXXX. At this time, due to an incentive bonus payment through my HAMP loan modification, a portion of my loan referred to as " interest Bearing Principal Balance -- in the amount of {$3300.00} gets paid off early. ( Attachment XXXX ). It is at this point in time that a chain of events have happened causing me great concern. 

The date of XX/XX/XXXX becomes the due date in Ocwen 's system no matter when I pay to escrow. ( Attachment XXXX ) Then I am no longer able to pay online on their website. Ocwen tells me to pay through the mail. Checks get returned to me with a notice that my loan is in default Attachment XXXX ) ( except for the tiny print at the bottom saying if debt has been discharged through bankruptcy ( which it was XX/XX/XXXX ), this is not an attempt to collect ) .I make numerous phone calls to Ocwen complaining that they will not accept my escrow payments even though the contract indicates that Ocwen provide an escrow account for me. ( attachment XXXX ) Feeling I have no alternative, I write a letter to escrow dept at Ocwen requesting that they de-escrow my account. ( attachment XXXX ). I had to send the letter twice because Ocwen stated they never received my letter. My understanding is that the letter has now been received. That is good, but I need for the de-escrowing process to become completed and subsequently the amount in my escrow of {$540.00} returned to me. 

Next issue is regarding unpaid property tax installment of {$1000.00} that was due on XX/XX/XXXX was NEVER PAID BY OCWEN. They paid the first installment due on XX/XX/XXXX but not the second. I started to get notices from XXXX XXXX that my property could be sold in a tax sale. The total amount if paid after XX/XX/XXXX is {$1000.00}. ( attachment XXXX ) Ocwen needs to acknowledge their mistake and send me a refund check for {$1000.00}. 

Repeated calls and emails to Ocwen get me nowhere. On XX/XX/XXXX I pay the second installment myself. ( attachment XXXX ) even though Ocwen was supposed to pay it. Ocwen keeps saying they paid my taxes, but their tax/accounting dept erroneously paid only the first installment ( attachment XXXX ) They think they paid my taxes, but it appears to me ( and XXXX County ) that they paid the first installment + added in an old amount from the previous year and marked it as paid! ( probably {$1000.00} + {$1000.00} = {$2000.00} ) ( attachment XXXX ) duh At this point, Ocwen needs to send me a check for {$1000.00} to fulfill their escrow obligation. Ocwen also needs to complete the de-escrow process for my account. Ocwen seems unequipped to service my account adequately. They need to accurately deal with the terms of my loan modification, make corrections in their system so that my account is not treated as in default when, in fact, it is not. This has gone way too far!!! I just received a 30 grace period notice. I am scared. Ocwen needs to fix this problem!. Or what? Will they try to foreclose on an erroneus amount from XXXX of {$200.00} that really is n't due?. Or maybe the {$86000.00} that has been deferred until XX/XX/XXXX? Which all seems irrelevant because of my bankrupcty discharge. When will this stop? Now, please!!!!