Consumer complaint received 2016-01-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

To Whom It May Concern : I am writing this letter in acknowledgement of the past late payments on my Ocwen mortgage ( XX/XX/XXXX/XX/XX/2015 ), as it appears on my recent credit report. Currently I 'm an XXXX XXXX XXXX in the process of purchasing a home with a VA lender. Due to the consecutive missed payments, the VA lender who is providing the approval of my loan has recently come to a halt. Therefore, I would like to see if there 's a possibility and request from Ocwen, an Amendment letter in order to have one of the missed payments removed from my credit report? I 'm also asking Ocwen to consider my excellent payment history in the previous years before the months mentioned. Below is a detailed explanation regarding this situation. 
Explanations : Ocwen has been servicing my loan for the past few years for the residence mentioned above in the state of Tennessee. Upon my relocation to XXXX from XXXX, I was informed by Ocwen that my loan would be transferring to XXXX XXXX in or around XXXX XXXX 2015. During XXXX I cancelled my auto draft payments to avoid confusion with loan payments. This action caused my XXXX payment to be returned from my bank. When I did submit my payment manually to Ocwen it did n't withdraw payment immediately, instead the payment took several days to go through and therefore went past the 30 day period. 
During XX/XX/XXXX when I called to submit our payment for the month, I spoke with a representative from Ocwen and they informed me that they could no longer see my information in there system due to preparation of loan transfer. After several attempts to make a payment for XX/XX/XXXX, they suggested to me to wait until XXXX XXXX had taken over the entire loan. It is unfortunate now, but I wish we could have annotated my attempts with Ocwen during this time. As I stated before I 'm on XXXX XXXX and XX/XX/XXXX as the transfer date had approached, I received noticed that I would be XXXX XXXX. 
XX/XX/XXXX and prior to my XXXX, I informed XXXX XXXX that I had attempted to submit payment thru Ocwen for XX/XX/XXXX. I also informed XXXX that Ocwen reps had suggested that once the loan was under XXXX 's system they would have record of my payments and would be up to date. I would like to clarify that I did inform both companies that despite my cancellation of the Auto drafts from my bank, I was concerned in the long run of something negative being reported to credit bureau 's due to delay in payments! XXXX XXXX did assure me that No reporting would be submitted for 60 days from day of transaction. Once the loan had been transferred all payments were completed and have been up to date to my knowledge. This is the end of my explanation from XX/XX/XXXX through XX/XX/XXXX while the transfer was taken place. 
Upon my return from military XXXX, I was researching the idea of a renovation loan thru a local mortgage company XX/XX/XXXX. The local agent inquired about my credit report and discovered that Ocwen had posted two late payments for XX/XX/XXXX and XX/XX/XXXX with the credit bureaus. I have contacted Ocwen and explained the situation, and have done several follow up calls during XXXX. Today, I was informed to submit this letter to the Research Department with Ocwen to hopefully see if their staff can assist me with this matter. I understand that during the time period mentioned, several actions could have been handled differently. We are only human and mistakes happen. I would like to once again ask Ocwen to consider my previous payment history regarding this loan, and wish for an amendme