Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen mis-applied funds/ did not apply payments mailed to my loan. 
extra money was mailed to pay down the principle as noted on checks cashed - they were applied to an " unapplied funds " and recently deducted by a forced escrow account. they claim it was because I did n't have insurance which I did - I was billed {$2800.00} yet only given a {$590.00} credit 3 months later XX/XX/XXXX. Since my statements dated XX/XX/XXXX The unapplied funds are not being used to cover an escrow account to pay property taxes to which I pay them yearly. I have asked the funds be replaced and was told no that Ocwen has the overall say in how " unapplied funds '' are distributed. I explained that I pay my taxes yearly- I am told that an account manager will review - to date they continue to take the funds- now sending me deliquent letters that I have unpaid balances on payments - those payments being set aside in a suspense account. I am currently being charged for past due payments and missed payments. certified letters that come in triplet and home inspections fees that when explained is done by an outside company to inspect the home and make sure its not " abandoned '' - when I explained I lived in a gated community and there were camera 's out front as part of my home security- AND I HAD PROOF NO ONE EVER LOOKED AT THE HOUSE OR DROVE BY -the rep contradicted herself by saying it really is just internal and they could not give me proof- I asked for a refund to which she explained that they were not going to refund the money because they are allowed to charge the fee regardless if someone see 's the property or not. I was told to " just pay it '' I get charged a different amount every month. In the past I was charged {$100.00} recently {$13.00} and sometimes {$15.00} - there is nothing in my loan documents. I 've asked for them to mail me a copy specifically noting that they can charged me- I get hung up on EVERY TIME! I 've called and asked their resolution department to contact me - I get no reply. I have asked to speak to managers - I get hung up on. I have cleared payments from the bank and yet every time I call to get it resolved they claim their records are accurate and that I need to mail the money immediately or they had to right to " take my home because the loan documents I signed give them all the rights to my property. 
On XX/XX/XXXX received a certified letter claiming that I was delinquent pmnts from XX/XX/XXXX-XX/XX/XXXXthat Ocwen had adjusted my monthly pmnt to {$2200.00} from $ XXXXthen a day later another certified letter arrives and that pmnt for that time frame XX/XX/XXXX-XX/XX/XXXX all had an unpaid amount / balance due of {$440.00} - when I called their customer service department I was told an account manager would be handling my account since the last payment made in full was XX/XX/XXXX. 
I received the same letters monthly - sending out bank statements until XX/XX/XXXX when I received a certified letter explaining that I still had unpaid balances on the missing pmnts - which were late fees.

Company response to consumer: Closed with explanation