Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This complaint is with Ocwen Loan Servicing of XXXX XXXX XXXX FL. Loan # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( divorced ) on title and the loan.Loan originated XXXX, because of my experiences with previous loan servicers, I have a my payments mailed " proof of service '' by mail, by a 3rd party each and every month except when payments have been made online. Ocwen, enjoys assessing late fees even in the grace period, when they begin phone harassment.With the exception of 3 late charges all of the other ones have been mailed timely, sufficient to reach the Texas payment location, ( eg,. by the XXXX of the month, leaves 8 days to travel and be processed ), not with Ocwen, payments are accessed late charges 50 % of the time, except when paid online. XX/XX/XXXX and XX/XX/XXXX, I paid these XXXX payments on the Ocwen Website and was charged a XXXX XXXX, {$7.00} fee. I did this because Ocwen for no logical reason was showing my account as having a past due amount and the online payment was applied ( IHAVE COPIES OF ALL ONLINE CHECKS PAID TO OCWEN ) an inapplicable past due amount ( contacts by phone were with outsourcing, maybe XXXX, with extreme difficulty understanding their dialect ) In the online payment Ocwen was given all my personal account information to make the authorized payment on the website, which was done on the XXXX day of XXXX XXXX, a payment of {$1000.00} plus XXXX for service charge-online ; then the next day without authorization Ocwen debited my checking account again for the same amount of {$1000.00}, it would not have been noticed except it caused my account to be overdrawn with ensuing NSF charges. Ocwen was then contacted and I demanded the return of my fraudulently/negligently obsconded funds, Ocwen within 3 days paid my account back, but request for overdraft fees were not responded to. The next month, thinking that the recent gaffe was simply negligence, I paid Ocwen in the same {$1000.00} on the XXXX of XX/XX/XXXX online with a XXXX fee and again they took my private account information and withdrew XXXX the next day XX/XX/XXXX for the second time, again this second withdrawal was fraudulent and without my consent causing overdraft fees to my limitedly funded checking account, they were again contacted and I demanded that my XXXX be returned to my account and for them to close my ONLINE ACCOUNT, Again, talking with the outsourced customer service I demanded my money XXXX back and within 4 days it was returned. This outrageous behavior is a felony if committed by a private party. Still dealing with the aftermath of the " robberies '' from the previous two months. I sent a check payment ( mailbox rule, XXXX v XXXX et seq ) on the XX/XX/XXXX, proof of service by mail, with a check of XXXX enclosed and by the XX/XX/XXXX ( late date ) it still has not posted to my checking account ; or for that matter to this date XX/XX/XXXX. After reviewing my online information it was apparent that Ocwen was holding my XXXX payment in " suspense '' and had held the previous month in the same fashion causing 30 days late 's to the credit bureaus. I CONSIDER MY ACCOUNT BEING HELD HOSTAGE BY THE GATEKEEPER OCWEN and request that you review these unlawful activities? Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation