Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

My loan is not delinquent and yet on XXXX XXXX, I received the following letter from Ocwen Loan Servicing , LLC, dated XXXX/XXXX/2015. My payments are always made online and the servicing company always provides receipts of such payments, which are made within the month in which they are due but not beyond. 
PAST DUE NOTICEDear Customer ( s ), XXXX ( What does this mean??? ). 
At Ocwen, we strive to provide service that will exceed your expectations. Having complete and accurate information is the first step in ensuring you receive this service. We are here to build a mutually beneficial relationship, rectify any problems, resolve any issues, and assist you with your needs. Therefore, we are sending you this letter to inform you that our records indicate that your mortgage loan payment due on XXXX/XXXX/2015 has not yet been received, and unfortunately, your payment is past due. 
A late charge has been assessed on your account, which will reflect in the CURRENT AMOUNT DUE as of XXXX/XXXX/2015. You are required to pay this late charge, unless you can document that the payment was made in full and on time. 
ITEMIZATION OF CURRENT AMOUNT DUE ( Table listed with amounts ). 
It is very important that you pay the CURRENT AMOUNT DUE immediately as this delinquency (? ) may result in adverse credit reporting and/or a formal demand for all amounts due on your loan (? ). Payments must be made by Money Gram, Check or Money Order and made payable to Ocwen Loan Servicing , LLC . Please send all payments through XXXX of the methods below : PAYMENT REMITTANCE INFORMATION ( addresses for XXXX, Overnight Address and Via Regular Mail provided ). 
Failure to bring your account current may result in our election to excercise our right to foreclose on your property. Upon acceleration, your total obligation will be immediately due and payable without further demand. ( This paragraph is an actual threat when there is no actual delinquency existing! ). 
If you are unable to make your payments, please contact our Customer Care Center immediately at ( XXXX ) XXXX to request a meeting with an associate to discuss mortgage assistance options and explore options to avoid foreclosure (? ). We have enclosed a list of documentation you may want to have available before you call ( Which documentations??? ). Associates are available to assist you XXXX to XXXX XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX to XXXX XXXX and Sunday XXXX XXXX to XXXX XXXX ET. ( I saught assistance numerous times to attain a reduction in the current excessive rate of 7.938 % to no avail and therefore why this statement? ). 
Additionally, a HUD counseling agency mat be able to provide you with assistance. To locate the HUD approved counseling agency in your area, call the HUD Housing Counseling at ( XXXX ) XXXX or consult HUD 's XXXX at XXXX. 
Ocwen will work with bankruptcy lawyers, foreclosure defense lawyers, housing counselors, and other authorized representatives of our customers. However, we will release information once your written authorization has been obtained, as required by law. 
If you have the desire to remedy this situation, we want to assist you in trying to reach that goal. OCWEN would like to present you with some of the alternatives that might be available regarding your delinquent mortgage loan ( is it actually delinquent? ). While our primary objective is the collection of past due amounts on your loan, we want to work with you to find the best available alternative for you to bring your morthgae loan obligation current. 
Please visit our wbesite at ... .where you can review your account and enter you fina