Consumer complaint received 2018-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
We were shocked last week to have XX/XX/XXXX mortgage payment returned with letter saying we should contact them to receive the reinstatement amount.

After reading this I called them and they were closed. I then reactivated my online information to try to go see what is happening. Have n't received anything from Ocwen to know there was a problem.

Then could hardly breathe while screenshotting the account activity.

It shows that all payments were received and returned since XX/XX/XXXX, almost a year! This is the first time I received a returned payment. Where are the other 10 returned payments? Why did they get returned? Was insurance even paid? All this time I had no idea, why? We are sending them and where are they now??? 

The letter has my parents old address, was returned and Ocwen placed in a handwritten envelope. Then resent to my correct address which is the property address. * I used to have important mail sent to my parents address, my dad passed away 4 years ago, mom moved out and requested for mail to go to the property address again. 

On XX/XX/XXXX : -The bank said that they were n't cashed. We are able to cancel/reissue.

-The Post Office is looking into this but said highly unlikely that would happen that many times-they must not have really returned them AND the mail would have been returned to sender. 
-We checked with the homeowner of my parents old address-he has n't been receiving them. 

This is so scary, I feel scared and defeated by them once again. 
I 'm lost at how to figure this out. 
Nothing to my property address, no phone call-those things have n't changed. 
I 'm shocked that there is n't anyone coming to our house to collect?! For a year! 

Years back they told me that I needed to pay a huge amount because I fell behind. They inflated the amounts and I had to pay up because they said it was too late to do loan modification. Hindsight, they were probably being dishonest. We made the arrangements and paid to have everything good again. Now this. And during that period there were letters notifying us. 

I told my entire family, some started looking online and found your company sued them for exactly the things I have went thru in the past. In addition, massive amounts of homeowners in the same situation with this company. I am just in a state of fear. 

I feel like if I called them, they will say another insane amount to steal from us. I 'm shocked that there is even a record of consistently receiving payments and returning them. 

I am completely overwhelmed and fear the worst. Since your company has faced them, I 'm hoping to learn what I can do to save our house. How to resolve this. Seems like they hope that people are going to be too scared and they will get their homes. Cant imagine losing our home after 20 years- our dogs are buried here. We are getting the payments canceled and reissued but I just do n't trust these guys-please help.

Company response to consumer: Closed with explanation