Complaint Review: Owen Federal Bank

I have had two different mortage companies and both of them sold to Ocwen Federal Bank, each time the charged ME FOR INSURANCE I PAID AND MY TAXES.My insurance and taxes on the first was to paid by my escrow. After several arguments and proof of insurance. They told me that insurance company would not send them a certifacate and a statement of amount due.

I call the insurance company Nationwide, and was informend they would not send in the monies and had called them several times AND INFACT THE CERTICATE WAS IN THE PAPERS. Well, needless to say I lost about 2000.00 dollars there. Now I am fighting them because they say the paid my taxes in in fact I DID and have proof and my Insurance as well.

I called N.Star Brough and ask them if Ocwen had paid, I was informed that a Ocwen rep called and was told I paid the taxes not them. This was after I told Ocwen that I had paid. We decided to sell our home and I called in April 2003 to get this matter cleared up because they said I owed for 2 months. They applied my payments to the taxes and insurance they had to pay. I did not even have an escrow with them. I was told to fax everything which I did and was told that the insurance charge and the taxes would be applied back on to my payments.(I also recieved a statment to pay 2000.00 plus dollars which I did and this is when I received a 2 month default letter and the phones began).

My home is sold and closed. tHESE PEOPLE KNEW I WAS SELLING MY HOME, yet they added late fees and forecloser fees and interest fees when in fact the monies they took from my payments (for so called taxes they paid and insurance they paid made my payments) and I would not have been late with my payment in fact I was told by a rep of Ocwen the she would see it gets applied back to my payments.

Ocwen charged me 2828.10 escrow and I have no escrow account with them. This is so nuts. I get angry and the words are scrambled but i think you all get my draft. I asked for a payoff 3 times and finally received one. It was good thru the 19th of Aug 03, after we signed this was the 15th of August the falling Monday the 17th our funds was to be placed in our bank account. This did not happen so I called the title company and was told they put some kind of forecloser notice but the could file the sell but the payoff is different.

The title company says usally it's about 300 or so dollars. Waiting for the new payoff, Ocwen added $4000.00 plus more to their fees $FOUR THOUSAND DOLLARS. RIPOFF OCWEN DO A GOOD THING RETURN MY MONIES BACK AND IF THERE IS AN ATTORNEY OUT THERE THAT CAN HELP ME PLEASE BECAUSE I BELEIVE I WILL BE LOOKING FOR ONE IF NOT PAID BACK!! SHAME ON YOU OCWEN TAKING WHATS NOT YOURS

Kathleen
Superior, Montana
U.S.A.