OCWEN FINANCIAL CORPORATION

2016-09-08

Hamburg, MN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Beyersville, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: We have been approved for a trial payment plan for a HAMP loan modification. The unpaid principal balance for the loan modification would be {$580000.00}, but the ending scheduled investor balance is {$520000.00}, based on the XX/XX/XXXX remittance report. According to the Pooling Service Agreement of the Option One Mortgage Loan Trust 2006-1, Section 4.04 Remittance Reports ; Advances, the obligation of the Master Servicer to make Advances is mandatory, even if the mortgagor does not make payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Juniper Hills, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I have recently been declined for a loan modification, and am having a very difficult time with Ocwen. After my decline for a modification Ocwen offered me a forbearance plan. {$9500.00} due XXXX XXXX and {$2600.00} due by XXXX XXXX. After everything I 've been through how can I pay that? And when Ocwen has just reviewed all of my paperwork how can they even offer that? It 's crazy. In XX/XX/XXXX my wife lost her job and we had to use all of our saving to make the payments. We did this all through XX/XX/XXXX. We fell behind in XX/XX/XXXX and applied for a modification. We received the modification and started to make payments again. Unfortunately XX/XX/XXXX w fell behind again due to the fact my wife 's mother became ill and passed away. We continued to make payments well into XX/XX/XXXX. In XXXX XXXX we made a payment and it was returned. We had a fraud on our bank account that caused this, and took over a week to correct. Now Ocwen will not accept payment and is forcing us into a foreclosure.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Beyersville, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Ocwen has approved us for trial payment plan for a HAMP loan modification. Payments are due on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/2016. I read on the US Department ofTreasury website that the Obama Administration extended the application deadline for MHA programs to XXXX XXXX, 2016. I was told by my relationship manager, XXXX XXXX, that it may make take several months after the third payment is made before we are approved for a permanent loan modification.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have tried repeatedly to obtain a mortgage modification from Ocwen, my mortgage servicing company. They have never offered any reduction in principal, have done their appraisal on the wrong house, and have denied me with no reason given. This is a short version of the ongoing ordeal. Giving up on a modification, I have been trying to do a Deed in Lieu for the last 9 months, with them dangling the promise of a relocation fee. They have delayed and goven me erroneous info over and over again, and have already forced me to reapply once because time had expired, even though the delay was due to actions on their part. Now a further reapply is about to occur, again because of erroneous info provided by them. It is maddening to deal with this company. I am certainly at fault for being behind in my payments on my mortgage, but it is them who have caused me to be so far behind with fees and charges and months and months and months of applying and being rejected for program after program, often with no reason given, and based on erroneous info provided by them. I have no idea if they are proceeding with foreclosure or not. I just want to resolve this issue. It is driving me crazy dealing with these incompetent, inconsistent people. One person tells me one thing and another tells me something else. Please help me if you can and tell me what I can do to deal with Ocwen and resolve the status of my home. This is certainly a short version of what has gone on over the last 3 years. Thank You XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Discovery Bay, CA

Settlement process and costs

Mortgage: Other mortgage

Complaint: I have submitted a bona-fide, duly recorded Deed/Title to your division contained in my complaint packet, but your agents continue to perjure themselves by saying they have not received it. I can prove the mail arrived at your XXXX, Iowa location, with the correct address ; but, you refuse to acknowledge the mailing, and therefore have committed mail fraud. Tampering with the mail is a federal offense, punishable by fine and imprisonment. The US Postal Service has confirmed that my letter of complaint reached your mail room. You are shielding criminals, and therefore acting as their messenger ( s ). Your Director, XXXX XXXX, will answer to his Senate Critics for this. Your Bureau is shallow, shady, and needs not only to clean up its act, but to be disassembled and reassembled. I will not rest until the world knows that your Director is in bed with XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX and partner in crime XXXX XXXX, XXXX XXXX of XXXX Bank and XXXX XXXX of Ocwen Loans. All of your are guilty of suborning perjury, obstruction of justice, and violation of the Dodd-Frank Wall Street Act. This will all blow wide open, and I hope all of you end up in prison!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: It was brought to my attention on XXXX2016 when my insurance company called me at work that they have not receive the XXXX renewal payment. They also advise me they had sent the lender a 30day notice of the renewal payment. The insurance company put me on hold but then had to call me back. And when they called me back they advised me the lender advised them they are sending a over night check to them for Friday, ( which is the cut date,XX/XX/XXXX2016, for my insurance renewal ). I advise the insurance I would call the lender in the morning to confirm the funds would be going out. My lender did not send my insurance company my payment for my renewal of my homeowner insurance on time due to that they updated their system and lost the data information for the insurance company for my home. I was advised this per a service manager that I spoke on XXXX/XXXX/2016. I was also advised " Sorry, but there was nothing they can do, maybe you can pay a monthly payment so you wo n't lose your insurance ''. I pay extra to have my XXXX and taxes include in my payment in my mortgage payment and the lender is going to ask me to put out more money for their error. The lender had lied to the insurance company. I was advise by the service manager that it would take XXXX 7 days before any funds could be directed out, and by that time my policy will have been canceled. I asked my lender again ; " How can you help me as your borrower, your customer since this is your error, your mistake ''? They told me ; " We are sorry, there is nothing we can do, but you have 90 days to get your insurance information to us ''. I need help please, someone needs to do something!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Ocwen Loan Servicing was our mortgage service provider. Our home was foreclosed on in XXXX of XXXX and we moved out of the property shortly thereafter. There was a XXXX mortgage on the property which was NOT discharged with the foreclosure. Even though we do NOT own the property and do NOT live at the property, we continued to pay monthly on this XXXX mortgage. If we did n't pay the XXXX mortgage, our credit would be adversely affected Sometime in XXXX of XXXX, Ocwen mistakenly added an ESCROW charge to this account ( XXXX ). I noticed it when I paid the monthly payment in XXXX. I called Ocwen and spoke with a number of people, none of whom could quite understand what had happened or why, and were not really able to help with this bizarre situation. The issue was sent to a special department for action. Of course, the next thing that Ocwen decided to do, was to perform 'property inspections ' and a 'property valuation ', all to the tune of {$380.00}. Since the property was foreclosed on and we no longer own the property, it should certainly not be possible to charge us with property inspection and property valuation fees ; but they have. This is VERY typical of Ocwen and a few other service providers. They make a great deal of 'profit ' in assessing fictitious and, possibly, illegal fees. I am asking that Ocwen REMOVE these fees from our account immediately ( {$380.00} ). I have spoken to at least five separate representatives at Ocwen, and all I get are platitudes and promises to fix the situation. It is now over one year and these fees are STILL on the account. Bravo, Ocwen ... you folks are truly the worst of the worst. The charges that I expect to be removed from our account are listed below : Property Inspection Fee {$26.00} Property Valuation Expense {$290.00} Certified Mail Cost {$13.00} Late Charge Due {$55.00} ( caused by their 'escrow ' mistake ) TOTAL : {$380.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Forest Hill, TX

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Lithonia, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Mount Holly, OH

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I really just wanted to say to you guys that you take the time out to sue XXXX over credit cards!!!!!! really!!!!! you also sued ocwen loan co for their fraudulent impropoper practices but just let them keep doing it after they have been sued,,,,, ,they and wells fargo are now taking our home bc you guys do n't do your job!!!! thanks for being there for us homeowners begging you for help ... I think your all crooked!!!!! I honestly believe you are all in on it together!!!!! shame on you all!!!!!!!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-08

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We just received our monthly statement dated XXXX XXXX, XXXX. It has been 61 days since we received our monthly statement which was dated on XXXX XXXX, XXXX. Our prior billing monthly statements were 15 days apart As a debt collector Ocwen Loan Servicing is not able to collect a debt until substantiation is provided. Failure to provide the information in 60 days is violation and requires enforcement. In leiu of the debt, Ocwen Loan Servicing needs to issue a cancellation. No one at Ocwen is willing to speak with us about our account and XXXX XXXX XXXX who is assigned to my account as noted on the XXXX XXXX, XXXX statement has not returned our repeated request for an explanation of the securitization, billing and revised escrow analysis of the account since XXXX XXXX, XXXX The Trustee XXXX XXXX ) that holds the loans is demanding the Mortgage Payment and Financial Records of the account. I 'm attaching a letter from the Trustee that holds this loan. Everyone is demanding answers. This loan has a balloon payment due in XXXX which is direct violation of the the CFPB consent Order
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Anaheim, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I HAVE TRIED TO APPLY FOR A LOAN MODIFICATION SEVERAL TIMES WITH OCWEN, I NOW HAVE A SALE DAT OF XXXX/XXXX/2016 WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE TURNED IN ALL MY REQUESTED DOCUMENTS MORE THAN ONCE, THEY SOMETIMES SAY THEY DIDNT RECEIVE THEM SO I AM FORCED TO RESEND THEM AGAIN. AFTER TURNING IN ALL MY DOCUMENTS I STILL DO NOT RECEIVE ANY HELP AND WHEN I TRY TO SPEAK WITH MY CASE MANAGER THEY ARE NEVER AVAILABLE! PLEASE HELP ME SAVE MY HOME!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX XXXX 2016, I went onto the XXXX website to check my credit report and found, once again that Ocwen Loan Servicing has failed to report accurately to the credit bureaus. This has been an on going issue with Ocwen Loan servicing! Per XXXX, Ocwen failed to report to XXXX and possibly the other credit reporting agencies that we were current for the months of XXXX, XXXX, XXXX and XXXX 2016. Per Ocwen Loan Servicing website, it clearly reflects that Ocwen received XXXX 2016 payment on XXXX XXXX 2016. Ocwen also received XXXX 2016 payment on XXXX XXXX 2016, XXXX 2016 payment on XXXX XXXX 2016 and XXXX 2016 payment on XXXX XXXX 2016. Per Ocwen credit history report on us, it clearly reflects that Ocwen is reflecting for XXXX 2016 a " XXXX '' which means no payment history available this month! As you can see, this is inaccurate! Per Ocwen credit reporting on us, it clearly reflects the last time Ocwen reported to the credit bureaus which was on XXXX XXXX 2016. Now, Ocwen has failed to report and report accurately. As you can see with the attached documentation that Ocwen Loan Servicing failed to report accurately. Note : we recently tried to apply for a second home mortgage in Utah but with Ocwen failing to report accurately, this caused our bank to increase our rate from 3.85 % to 5.75 %. Our bank did not know if we paid Ocwen Loan Servicing for those months or not! By Ocwens actions, it can cause us to be denied credit or to have a higher interest rate.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-08

Beltsville, MD

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I had a loan with XXXX Bank. The loan was serviced by GMAC. They foreclosed illegally through a local attorney. I plied for a loan modification. They said I qualified. I just had to pay the {$17000.00} in missed payments to activate the modification. They then proceeded with the foreclosure process. They collected insurance, collected money from the sale of the property and got Federal Bailout money. Eight years ago when few people realized yet the extent of the mortgage meltdown and the extent of wrong doing by many banks it was difficult to get a fair shake. I had to leave my home of 16 years. Can anything be done now?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Queens, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Lynn, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My husband and I got a loan modification and signed the papers in XXXX. We signed them and returned them. Our trial payments started for XXXX XXXX. When the bill arrived for XXXX it 's said the balance due and then it said we were late and we owed double the payment. I sent the single payment and also sent a copy of the agreement showing the XXXX payment was due on XXXX XXXX. I then followed up by called the XXXX number and it said our payment was made and the next payment was due on XXXX XXXX. We then paid that payment on XXXX XXXX. I kept calling the XXXX number to check the status but it kept saying our payment was due XXXX XXXX but never changed even though they cashed out check. When I received the new bill for XXXX it showed our payment but now it is showing my applied as XXXX trial payment. I sent copies of our agreement with the payment schedule and the copy of the post office receipt because I sent it with tracking. The new bill for XXXX says we owe our full mortgage. We have paid our trial payments on time.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Reno, NV

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Almonesson, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Cocoa, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: In XXXX 2016 I wrote a letter to the judge asking for an extension on the foreclosure slated for XXXX XXXX because we had another offer on the property. The Judge granted the extension, reset the foreclosure sale date to XXXX XXXX, 2016 in hopes of giving Ocwen plenty of time to review and approve the XXXX short sale since they had the paperwork in hand before requesting the extension. After the extension was granted, Ocwen promised to have an approved XXXX short sale. Shortly afterwards, Ocwen came back to me and the realtor and asked us to go to the buyer and ask for roughly XXXX more dollars to improve their net, ensure the XXXX short sale, covering maximum relocation and maximizing the payout for the XXXX lien holder, XXXX XXXX, the buyer agreed, paperwork was submitted. After receiving the XXXX additional dollars, Ocwen sent the Arms Agreement, telling both the realtor and myself, Ocwen will be sending an acceptance letter. Shortly after being told this, we received a letter from Ocwen stating the XXXX short sale was denied because XXXX shortsales can not be approved within 60 days of the foreclosure sale date instead Ocwen would like to do an internal short sale. During this time I was receiving robo calls about my XXXX XXXX sale date and outstanding debts with Ocwen. I started questioning the XXXX short sale vs internal Short sale and could not get any clear answers other than within 60 days. At this point Ocwen said they would extend the foreclosure sale date 60 days beyond XXXX XXXX so they would have plenty of time to complete the sale and come to a closing date. I asked my realtor to check the court dockets to see if the sale date had been changed, nothing was happening. I questioned Ocwen on the new date, I started getting, we are waiting on the lawyer to sign the paperwork, the system will be updated in a few dates to reflect, this went on for a few weeks. It was at that point we started getting phone calls from Ocwen requesting us to resubmit documentation and XXXX of the task we were given was to call my XXXX lien holder and negotiate a settlement. I called XXXX XXXX and was told it was Ocwen 's job to get the paperwork to the bank so XXXX XXXX could figure out a settlement plan. The XXXX XXXX contact asked my realtor to send over all paperwork submitted to Ocwen so he could give Ocwen a call and question why they did not submit the paperwork. At this point its coming down to the XXXX hour before foreclosure. I was also told the file had been escalated because of data that was put in the Ocwen system but was n't handled properly such as the submission of the foreclosure extension ( this would have allowed the XXXX shortsale ). I received a voice message from an escalation manager telling me his name and phone number. I repeatedly called and called, no response. On Friday XXXX XXXX, I received XXXX calls from Ocwen stating that it was my responsibility to call their foreclosure attorney to get an update on how the cancellation of the foreclosure was progressing. I called the attorney and was told by the paralegal that she did not have any paperwork requesting an extension of the foreclosure. I asked her, who was lying you or Ocwen? I have been told by Ocwen it is my responsibility to submit to the court a request to stop the foreclosure. I am at a loss on why Ocwen is deliberately trying to send my home into foreclosure when there is a buyer at the table. I am at a loss that no one at Ocwen is actively trying to stop this or trying to take any responsibility. Question? Is this a customary practice to send a home into foreclosure and deny a XXXX short sale when there is a buyer at the table and have been at the table since XXXX 2016? If my file is reviewed it will show that Ocwen has done this again and again. This will be my XXXX submission to the court to cancel the foreclosure after submitting offers.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Main Office, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: on XXXX I was contacted by my mortgage company regarding the XXXX payment. I informed the agent that I pay by the end of each month and it was agreed upon to do a post dated XXXX XXXX phone pay for XXXX, there was also a {$19.00} fee. I was at home when I was doing this transaction. the agent told me he would send me a confirmation e-mail. when I returned to work the next day and reviewed my e-mail it indicated that I gave permission to debit on the XXXX of XXXX and I did not. The agent that I did not get paid until the end of the month.I called the mortgage company and they indicated the payment posted and I should be fine. a few days later I still show a balance in my checking and I called my mortgage company and was told that the check was returned. I will now have a delinquent credit report for XXXX and possibly a property inspection and a threat of foreclosure. I am quite upset as would anyone. I take my mortgage very seriously. I want {$19.00} fee back and I want my credit corrected ASAP or I will take legal actions. I knew this would happen because there seem to be a language barrier between I and the agent. I also want the recorded call pull for verification of this error.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Silver Spring, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I have been fighting violations by Ocwen Loan Servicing ( formerly American Home Mortgage ) for 10 years. In XX/XX/XXXX I was solicited by a " so-called '' broker ( former landscaper ) who, without my understanding the consequences sold me a negative amortizing loan. I tried refinancing again but it was impossible due to the housing crash. I have not been foreclosed upon. In XX/XX/XXXX I filed a complaint against American Home Mortgage and XXXX in Maryland for fraudulent practices. While the judge ruled against me in favor of MERS, during negotiations American Home Mortgage agreed to relinquish their interest in my loan stating that American Home Mortgage " is not a functioning company, '' has " no successors in interest '' and " is permanently out of business. " ***please see attached. We were planning an appeal at the same time that my lawyer died of natural causes. I did not hear anything from the lender for some time and did n't know what to do as I had stopped making payments during litigation. Subsequently, Ocwen bought American Home Mortgage 's shares and I started receiving dunning letters, harassing phone calls and again sought legal representation, filing suit against Ocwen. I applied for a loan modification and Ocwen responded by giving me a billing statement for a modification ( no details included ) which was an amount I could afford. The first checks I mailed to them were cashed. Then, Ocwen started mailing back the uncashed checks stating that I owed them thousands more. My attorney advised me to keep mailing in the checks as originally stated. I have done that every month since up until today. In XXXX XXXX Ocwen issued me a Notice of Intent to Foreclose. It did not list the named of the secured party, but only mentioned XXXX. They claimed a year earlier that XXXX XXXX XXXX XXXX owns and holds my note when the entity went bankrupt in XX/XX/XXXX and that in XX/XX/XXXX, with no assignment involved, XXXX XXXX XXXX XXXX and alternately American Home Mortgage Assets owns it. In fact, in response to my Qualified Written Request letter to Ocwen, the cover letter provided a telephone number for XXXX which when I called it, brought about a U.S. bank agent. I do not have reason to believe that Ocwen has the original note. Some months back an Ocwen attorney asked my counsel if I would be interested in applying for another loan modification. Although wary, to show good faith, I applied again. Last month, my case was dismissed without hearing in favor of Ocwen. Although my modification was received by Ocwen on XXXX XXXX, to date I have heard nothing. Ocwen also refuses to allow me access to my own online portal account citing that it is " flagged. '' They continue to mail back my uncashed checks to my attorney. In the meantime, my {$580000.00} loan has escalated to {$820000.00} This seeminglly endless decade-long ordeal has cost me my health and even stolen attention from my child and my work. All I ever wanted was a reasonable modification to fix a predatory loan solicited by an unscrupulous broker in XX/XX/XXXX.
Company Response: Closed

Disputed: No Timely Response

2016-09-07

Gr, MI

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I fell behind on my mortgage several times throughout the years. I have submitted several applications for a modification before being told that the investor/owner of my loan did not allow them. Since then, I have been encouraged for several years to apply for a loan modification by my mortgage servicer, Ocwen. I explained to them that they continue to send me the applications and encourage me to apply, when they told me that my investor did not allow them. I later contacted the investor to be told that they did not make such a decision as it related to my loan, however, they refused to get involved when asked to contact the servicer. They did send me a letter. I contacted Ocwen several times over, demanding that they check my note to see if the investor/owner permitted modifications at the present time. They again told me that modifications were not allowed. I applied again last week and was denied the HAMP Tier 1, HAMP Tier 2, Shared Appreciation Modification and Proprietary Modification programs. My non-approval notice read " Unfortunately, the owner of your loan does not allow loan modifications. Please note, not all eligibility factors were evaluated ''. They also ran my credit report when they " knew '' I did not qualify. In the meantime, I checked my original mortgage note to find where it read " modifications are allowed ''. I can not believe how deceitful and manipulative these servicers are. Please, grant me the modification that I qualify for! To add insult to injury, I attempted to compare my original note with what Ocwen recorded as my note, it shows an entirely different note. The property recorded does n't belong to me, I have never held the account number listed with any of the many servicers that I 've had and my signature is not listed on the note. Someone else signed their note and Ocwen has it recorded in my case file. This raises questions as to what note they 're actually reading and if this is some sort of rip-off or scam? I also question Ocwen 's contract with my investor/owners, XXXX?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Murray, UT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My wife and I have had a tax abatement for the last 6 years our Mortgage is currently through Ocwen. They collect the regular property tax amount on a monthly basis and place it into an escrow account. At the end of the year our taxes typically amount to {$200.00} however our current tax amount is {$1500.00} the smaller amount gets paid annually by Ocwen however I never see where the rest of the money they collected goes I have written them and called them multiple times. they are not able to give me an answer I dont see the money going towards principal ither it just disappears. I contacted the state of Utah and they dont get the extra money either.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Bedford, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ocwen Loan Servcing is refusing to pay for my insured 's hazard insurance from their escrow. This happens every year. To every client that we have that escrows through Ocwen. They refuse to pay until the policy actually cancels. At this time of year in Texas, this practice can be dangerous for our insured 's, ourselves, as well as the mortgage company. I have begun documenting every persons name, time of call, length of call, what was said and am now recording every single call to Ocwen. In XX/XX/XXXX, I filed a complaint against Ocwen and was sent an excuse letter from them. The letter stated that the first time I called on a bill that was due by XXXX/XXXX/XXXX was XXXX/XXXX/XXXX. They were billed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke to " XXXX '' who told me that our agency did not have a payee code. On XXXX/XXXX/XXXX, I spoke to XXXX who said they had no record of our billing nor proof of insurance. This account took 6 more phone calls to collect. On XXXX XXXX, XXXX, we finally received payment. Our boss paid the reinstatement fees out of his own pocket as Ocwen refused to pay any more than what was originally billed to them on XXXX/XXXX/XXXX. At the very least, these are reprehensible business practices. I never heard from anyone else regarding my complaint other than the " Ocwen Ombudsman '' who only gave excuses as to why this happened. At that time, they stated that we had been set up as a payee and our payment would be forthcoming. If we were set up as a payee in XX/XX/XXXX, why can they not pay the escrow in XX/XX/XXXX? PLEASE HELP ME AND OUR CLIENTS. This is getting very scary for all concerned with the exception of Ocwen.
Company Response: Closed with explanation

Disputed: No Timely Response