Consumer complaint received 11/25/2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I was recently informed by my loan servicer, OCWEN Loan Servicing LLC, that my monthly mortgage payment was increasing from {$2300.00} to {$2600.00}. Having known that my property taxes and insurance was not increasing, I was very surprised to hear this. I have been told, by OCWEN, that the significant increase resulted from a recent escrow analysis they performed during the summer. After further investigation of my escrow account history, I discovered a mysterious charge to my escrow account in XX/XX/XXXX. On XX/XX/XXXX, OCWEN reduced my escrow balance by {$2800.00} - for no apparent reason. Further, my suspense account balance was also reduced by {$3700.00} within the same line item ( despite the suspense balance application column being null ). This transaction is described as " escrow account adjustment '' in the account history. Notably, this transaction is alternatively described as " New Loan Setup Balances '' in a legal document OCWEN filed with the trustee of my Chapter XXXX plan. OCWEN representatives have suggested the account adjustment occurred as a result of " acquiring the loan. '' However, I have had OCWEN since at least XX/XX/XXXX. I filed for Chapter XXXX in XX/XX/XXXX. At that time, they filed a claim with the court which suggested my escrow account contained a surplus. In XX/XX/XXXX, OCWEN again reported to the court that my escrow account had a surplus but needed to increase my monthly payment to {$2300.00}. So, after pointing out to an OCWEN representative that they did not " acquire '' my loan in XX/XX/XXXX, they clarified that the loan was actually migrated from a different system within OCWEN called Rescap. As a result, they do not seem to have any of my account history prior to XX/XX/XXXX. Even worse, the account history available via their website ( which I am attaching ), raises additional concerns and questions. I am very concerned with their accounting. I have already suffered financially as a result of their inability to properly account. In XX/XX/XXXX, OCWEN failed to properly account for my payment. As a result, they filed an erroneous claim with the bankruptcy court suggesting I failed to make my monthly payment, and requesting that my plan be dismissed. While it was proven that I did in fact make the payment, it is my understanding that they have attempted to add the related legal fees from this filing to their claim with the court. 
I need a resolution to this escrow account situation. I have made my monthly payment on time throughout this process. Considering the immaterial changes to my property taxes, there is no justifiable reason to increase my monthly payment by such a large amount. OCWEN needs to provide a proper explanation and accounting for the erroneous adjustments they made to my escrow and suspense accounts on XX/XX/XXXX. Further, there are multiple transactions in my account history that need further explanations of all fees applied to my account and a correction of all inaccuracies. Please know that I have done my research on this issue and confident that these account adjustments are not justified.

Company response to consumer: Closed with explanation