Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
CONTACT : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX . XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ________________________________________ to the BBB. Since OCWEN 's letter of resolution sent to me XX/XX/XXXX, I have received repeated letters of harassment from the ocwen regarding my mortgage even though it has been paid each and every month since XX/XX/XXXX. I have never been 30 late with my mortgage. this is intentional and emotional attempting me to comply to their modification which I rejected. I received a letter todayXX/XX/XXXX, dated XX/XX/XXXX from Ocwen stating I was delinquent in the amount of {$5700.00} for {$2300.00} for XX/XX/XXXX & {$2300.00} XX/XX/XXXX. payments which were prevously paid. also, the letter stated that from XX/XX/XXXX through XX/XX/XXXX I owed {$670.00} for these months totaling {$2600.00} as uncollected money. Please keep in mind that my original payment of XXXX is what I had paying UNTIL again, I applied and rejected their modification of approx. {$700.00} a monthly increase. I have left messages for the office of ombudsman repeatedly since this time and with the exception of my XX/XX/XXXX mortgage, ( which they manually processed of {$1600.00} ), I can not get a return call. I do not owe any of these amounts. to make matters worse since the original mortgage with XXXX ( ocwen brought out in XX/XX/XXXX ), I have spoken many times with their reps attempting pay because their system keeps telling me that I must pay in XX/XX/XXXX XXXX to cover taxes each month for XX/XX/XXXX which I did. The have never paid my taxes & insurance prior to XX/XX/XXXX. I have always paid independently my own taxes and fire insurance annually w/o escrowing them.. in XX/XX/XXXX, I  discovered that ocwen paid my taxes w/o me knowing and is forcing me into the {$2300.00}. monthly this is forcing me into hardship ... also, to make matters worse, they are intentionally assessing me forXX/XX/XXXX thru XX/XX/XXXX {$2600.00} in arrearage into their modification which I declined. Furthermore, when I went to pay my XX/XX/XXXX mortgage the system electronically indicated that I owed {$2700.00} for month which is increasing steadily each month. This is totally extremely an error they are intentionally frauding me to pay the prior 4 month of XX/XX/XXXX while steadily increase my mortgage and threating me with letters of foreclosure and the loss of my home the letter states. which escalating monthly. this has created great threats and emotionally drained dealing with this issue. I called monthly to their system to pay only to get a different rep from another county insisting that they are correct along with repeated monthly calls. I NEED THIS COMPANY TO RETURN BACK TO MY ORGINIAL PAYMENT OF {$1600.00} AND STOP THE REPEATED LETTERS AND CALLS REGARDING TAKING AND STOP THREATHING MY HOME THRU FORECLOSURE. PLEASE CALL ME THANKS XXXX Dear XXXX XXXX : On behalf of Ocwen Loan Servicing, LLC ( Ocwen ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received on XX/XX/XXXX, regarding the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. <P/>Our records indicate the monthly payment inadvertently reverted back to {$2200.00}, which included funds for the escrow account. The account has again been updated to remove the escrow payment from the account. As of the date of this letter, the account is due for the XX/XX/XXXX payment in the amount of {$1600.00}. <P/>I will ensure any late charge assessed for the XX/XX/XXXX payment is removed. In addition, I will ensure if any negative remarks are reported to the credit reporting agencies, that they are removed. On behalf of Ocwen, I apologize for any frustration or inconvenience this matter may have caused. <P/>The Office of the Consumer Ombudsman is your advocate to ensuring that Ocwen 's servicing remains fair, reasonable, and proper. Sincerely, XXXX XXXX XXXX The consumer indicated he/she DID NOT accept the response from the business. What they are saying is NOT the entire truth. I have attempted to pay my XX/XX/XXXX mortgage {$1600.00} this month to avoid a late fee, but the system as of XX/XX/XXXX IS STILL requesting that I pay {$2200.00}. On XX/XX/XXXXI called because I received a bill in the amount of {$3300.00} staying that I have n't paid XX/XX/XXXX and they were requested XX/XX/XXXX as well. the entire month the system was would place my mortgage in suspense until I paid the balance which was the escrow XXXX I spoke with a rep on XX/XX/XXXX and again I tried to pay and they stated that since I have filed a compliant the XXXX the system would still take additional 5 business days to update. As stated in my complaint, I have never been reported late to the XXXX and I would ask that would you please insure that this entire process does not effect my credit status in good standing w/the XXXX. otherwise, I will again attempt after the 5 business days to pay my XX/XX/XXXXhopefully w/o incident. <P/>Dear XXXX XXXX : On behalf of Ocwen Loan Servicing, LLC ( Ocwen ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received on XX/XX/XXXX, regarding the above-referenced account. The Consumer Ombudsman 's office was  created to provide a resource to assist with unresolved concerns and issues. <P/>Ocwen 's records indicate the account was previously approved for a Home Affordable Modification trial loan modification. The trial loan modification included an escrow account for property taxes and homeowner 's insurance, which were not previously included with the monthly payment. The HAMP trial loan modification was scheduled to begin with the XX/XX/XXXX payment, in the amount of {$2200.00}. This payment would have included principal and interest in the amount of {$1400.00} and escrow in the amount of {$790.00}. The contractual principal and interest payment is {$1600.00}. , the HAMP trial loan modification was canceled and the escrow account was removed. is once again responsible for remitting payment directly to the tax collector and insurance carrier. As of XX/XX/XXXX, the payment was updated to {$1600.00}, which includes principal and interest only. 
As of the date of this letter, the account is due for the XX/XX/XXXXpayment in the amount of {$1600.00}. Thank you for bringing your payment concerns to our attention. Ocwen has resolved the issue you identified effective XX/XX/XXXX. If you believe there is documentation relevant to your issue which was not provided, you may request such documents by contacting me directly at : IN XX/XX/XXXXI TRIED TO REFINANCE WITH THERE OFFICE AND THEY REFUSE STATING CREDIT SCORE WAS LOW EVEN THOUGH BUT MY TRACK RECORD WITH THEM WAS NEVER MISSING PAYMENTS. I AM CAUGHT IN A WEB BECAUSE OF HIGH RATE.

Company response to consumer: Closed with explanation