Ocwen Mortgage Complaint

Ocwen Mortgage department,

Other mortgage Loan servicing, payments, escrow account Pennsylvania

- - - - - - - Pa - - Dear - Representative This letter is concerning the dispute # - filed against Ocwen Loan Servicing for the reported delinquent - and - 2014 payment. The required payment amount was $570.00. Prior to - 2014 my home at - - - - Pa - was in default and I was facing foreclosure from Ocwen Loan Servicing. I applied and was approved for a HEMAP loan ( Homeowners Emergency Mortgage Assistance Loan ) through the -. On - -, 2014, I signed the settlement papers and a check was sent to Ocwen in the payoff amount of $26000.00. Ocwen received and deposited the check on - -, 2014 ( please see depository check image ), however Ocwen did not apply the money to my account. I was still receiving phone calls, messages and letters from Ocwen pressuring me to make a payment or face foreclosure. Ocwen 's website account also reflected the money was not applied to my account. I called them numerous times concerned about the whereabouts of the $26000.00 check, eventually I was told a research team would be appointed


be held responsible for these fines and Ocwen deemed them valid. I sought the help of the - Agency to advocate the rescinding of unjust penalties on my behalf. I was informed all penalties and fees from Ocwen ( - to - 2014 ) would be reversed and applied to my account. According to the - Credit Report, Ocwen is reporting a delinquency for - 2014 and - 2014 ( please see - - statements showing ACH payment to Ocwen - 2014 $1300.00 and - 2014 $620.00 ). In the interim on -/-/2014, I obtained and paid in full for one year my own private homeowners insurance with - -. 3 emails and 2 faxes were sent to Ocwen requesting my insurance escrow account be audited. My insurance company representative also faxed a copy of the binder and called Ocwen on my behalf ( see fax transmission and call log document enclosed ). Ocwen never responded nor lowered my monthly payment which should have been reduced to $470.00 -, - and - of 2014. ( please see - - - auditing analysis document enclosed ). - -, 2014 Ocwen sold my mortgage loan to - - -. Ocwen transferred my loan To - - with a reported - delinquency. I have filed over - disputes with - - - and submitted proof of all mortgage payments and substantiated the amounts through documented banking history. Ocwen refuses to acknowledge this proof of mortgage payments. The purpose of this dispute : 1. Show proof of - and - 2014 mortgage payment through - documents 2. Demand Ocwen to audit the insurance escrow account from -, - and - 2014 adjusting my monthly mortgage payment to $470.00 and refund the overages. 3. Adjust the payment history with - - - to report my account current. 4. Adjust my credit score appropriately. Thank You - -