Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Loan Number:  
Ocwen Loan Servicing, LLC


THIS IS A COPY OF THE XXXX LETTER I HAVE SENT OCWEN TRYING TO RESOLVE OUR SITUATION. THE XXXX LETTER WAS SENT ON XX/XX/XXXX WITH COPIES OF OUR CHAPTER XXXX COMPLETION AND DISCHARGE LETTER AND ALSO A COPY OF PAYMENTS MADE THROUGH OUR CHAPTER XXXX WHICH SHOWED THE PRINCIPAL PAID TOWARD OUR MORTGAGE.  MY WIFE AND I HAVE NOT RECEIVED ANY TYPE OF RESPONSE TO OUR DISPUTES. ONLY A LETTER STATING WE ARE IN DEFAULT ON OUR MORTGAGE DUE NOT MAKE OUR XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. THIS IS NOT POSSIBLE BECAUSE THE BANKRUPTCY WAS JUST LIFTED FROM OCWEN ABOUT 2 WEEKS AGO OR AT LEAST WHEN I CONTACTED OCWEN 2 WEEKS AGO THEY ACTUALLY SAID THAT THE ACCOUNT WAS STILL SHOWING IT WAS STILL IN CHAPTER XXXX. AT THAT POINT I WAS TOLD THAT WE DO NOT HAVE ANY HOUSE PAYMENTS DUE AND WE WOULD NOT HAVE XXXX DUE UNTIL WE RECEIVED A STATEMENT IN THE MAIL. WHEN I HUNG THE PHONE UP, I HAD A SENSE OF CALM THINKING THAT MY WIFE AND I HAVE COMPLETED OUR CHAPTER XXXX AFTER 5 YEARS OF PAYMENTS AND THE ONLY THING WE HAVE LEFT TO PAY FOR IS OUR MORTGAGE. AFTER BEING ASSURED BY OCWEN THAT WE DID NOT OWE ANY HOUSE PAYMENTS ON XX/XX/2015 BECAUSE THE BANKRUPTCY HAD NOT BEEN LIFTED, WE RECEIVED BY CERTIFIED MAIL A LETTER FROM OCWEN STATING THAT WE ARE IN DEFAULT AND OWE XXXX TO BECOME CURRENT!!! THIS IS NOT THE ONLY MISTAKE THAT IS IRRITATING. AS I MENTIONED ABOVE, OUR BANKRUPTCY PAYMENT RECORDS INDICATE THAT WE PAID OVER $XXXX TOWARD THE PRINCIPLE OF OUR HOUSE WHICH WOULD LEAVE US A PAYOFF OF ABOUT $XXXX,XXXX. OCWEN DID NOT APPLY OUR PAYMENTS TO PRINCIPLE AND THEY HAVE OUR CURRENT PAYOFF AT  AROUND XXXX.  A COPY OF XXXX LETTER BELOW.

Ocwen Research Department,   
	My wife and I received a letter in the mail today stating that we are delinquent by XXXX days  on our mortgage payment.  I find this to be impossible and I am disputing the amount that is currently due because we were just discharged from chapter XXXX bankruptcy last month. I have made XXXX attempts to call ocwen in the past month to check into our loan status to see when our XXXX payment was going to be due. The XXXX attempt I made was on XX/XX/2015 at XXXX central time and spoke with an ocwen representative for XXXX according to my phone records. At this time, the ocwen representative stated that our account was pending due to chapter XXXX bankruptcy and he could not release any information about the account until it was released by the court. I advised the ocwen representative at that time that I wanted to make sure that we were not going to get blind sided by a letter like we just received stating that we were behind on our mortgage payment. I was assured that no payment was currently due for the month of XX/XX/XXXX because it had not been released by the court. This conversation took place XXXX days ago. So, this should make our XXXX mortgage payment due in XX/XX/XXXX. Please kindly fix this error and correct any late fees and any other charges that has been applied to our account. We have no problem making our payment at this point in our lives and would appreciate your attention to this matter. Our XXXX payment after bankruptcy should be in XX/XX/XXXX.  You may reach me anytime on my cell.
On another note, I faxed in a letter about the principal amount on our house differing between what ocwen has and what our chapter XXXX bankruptcy has. We have never received any type of answer from that particular situation that I addressed with ocwen almost a month ago. Our chapter XXXX bankruptcy had us paying our entire bankruptcy payment straight to principle which would leave us with a loan balance somewhere around $XXXX.  Ocwen did not apply our entire house payment to principle. They have our loan balance around $XXXX  I faxed in the paperwork from the bankruptcy stating what was payed to principle. We would appreciate your attention to this matter also.

Company response to consumer: Closed with explanation