Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
After 6 phone conversations and over 6 weeks of asking what was going on with my mortgage payments with   XXXX   XXXX   I finally found out during a conversation that there seems to be an issue with payments made in   XXXX   and  XX/XX/XXXX . The agents just kept telling me I was delinquent and refused to say anything else until I yelled at one that I had cashed checks in front of me.
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At no time has   XXXX   XXXX   notify me in writing of the shortage from  XXXX  and  XX/XX/XXXX  on my loan. According to California Law they are not allowed to go back on a chapter  XXXX  once it has been discharged.
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They continue to hold my current mortgage payments in escrow (  XX/XX/XXXX thru  XX/XX/XXXX  ) and notify me that I am delinquent. I had no way of knowing what this was about since all my mortgage payments were cashed by   XXXX   XXXX   on a timely manner ( attached checks ) They choice to hold my money and not credit my account for up to 90 days.I have attached letter from   XXXX    showing how they credit my payment incorrectly after 90 days. The amount that is in question is {$1000.00} and   XXXX   XXXX   has sent me a delinquent notice for over {$7800.00} see attached.
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According to agent #  XXXX  they sent me a letter in "  XX/XX/XXXX  '' notifying me that my mortgage payment would be increasing and he insist that this constitutes a notice of delinquency. I can not be notified of a delinquent or deficiency in  XX/XX/XXXX  on a payment due in  XXXX  and  XX/XX/XXXX .
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At no time has   XXXX   XXXX   notified me of a deficiency in writing. When I call their   XXXX    number their standard comment is it has to be sent to research and it will take 10 to 14 days. Not until I called research directly have I been able to get any information and then I find out they do n't even know when my bankruptcy was discharged. They have done nothing to address the issue, or to resolve the problem. They insist that I am 2 full payment behind in my mortgage account.
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Their practice is to take the current mortgage payment hostage. I have attached several of their delinquent notices, you can see that there is no reference to the  XXXX  and  XXXX  shortage. I have tried to reason with   XXXX   XXXX   and all I get is a run around.
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I filed a chapter   XXXX   in   XXXX   which was discharged on   XXXX   XXXX   XXXX   with   XXXX   XXXX   XXXX   agreement to the discharge. Now I am 6 months later and they have turned my non-delinquent account over to all   XXXX   credit bureaus as delinquent. I have not been late or short on any payment since   XXXX   XXXX   XXXX  .
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I called   XXXX   XXXX  /Ocwen to renegotiate my interest on my loan in   XXXX   XXXX   with no success. During this discussion   XXXX   XXXX   did not mention that I had a shortage on the   XXXX    and  XXXX  payments.
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They have ruined my credit that I have worked so hard to reestablish. This action is criminal and against regulations and   XXXX   XXXX   should not be allowed to do such a thing. It should be noted that not once in writing or during a phone conversation has   XXXX   XXXX   offered for me to pay the shortage created in  XXXX  and  XX/XX/XXXX  and clear up the mess they created. According the RESPA this is what they should have done.
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This is an act of discrimination as ; I am a female senior, and I have done nothing but tried to solve this problem.
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I have attached page 19 Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) Please help me with this situation ASAP

Company response to consumer: Closed with explanation