We ended up with Ocwen, when GMAC went belly up. We never had any problems with GMAC, we never missed a payment, we never had a late payment. Enters Ocwen, and the circus begins. I have been trying to make them send me an e-statement. Nothing happens. The paper statement shows up in our mailbox like a clockwork. Every single one comes with a threatening footnote.
Last year I attempted to make an additional payment, that I wanted to go towards the principal balance. There was a way to do it online, as the payment window had appropriate boxes. So I did pay the regular payment, and the additional payment. There was a confirmation number for me. I thought "well, that was easy".
NOT. Payment was due on the 1st. I thought they took the money, as scheduled. Nope. On the 5th (mind you, the grace period is until 16th) there comes an automated phone call, threatening in nature. I called them back, and it turned out that yes, they took the money, and no, they did not know why so much, so the dumb fracks reversed the payment. They put the money back in my account, and then accused me of not paying! It took several phone calls, and finally I thought I had that straightened up. But the automated threatening calls CONTINUED! I called to find out what the hell was going on, and was told that once the phone number of a hapless mortgagee gets in the system, the system will continue to dial that number, whether the matter was resolved or not. I told them to remove my number from the system, and just in case I have them blocked in my phone. So far so good.
Comes 2015. Again we had money for additional payment towards the principal balance. I tried to pay online - no go. They changed their website, so it looks more like a pictionary instead of a legitimate website of a financial institution. I called them on Jan 5th. I talked to an agent. I made sure, with a confirmation number, that the payment went towards the principal balance.
NOT. I called today, just to find out, that the payment was applied as a regular payment. That was not my intention when I called them on the 5th. I talked to another rep, who said she will reverse the payment and direct it to casheering, which is supposed to apply it towards the principal balance. She also told me to call again sometime next week, to check on the payment and find out where it went. Because, I think, some dumb frack can apply it towards the interest.
I am so sick and tired of dealing with Ocwen. They call themselves "mortgage servicers", but they look more like inept bumblers, or clever thieves, trying to steal from their unwilling customers. I heard lately that they were supposed to pay some penalties for cheating. The penalties were nowhere near enough to bankrupt that scum.
I would LOVE to hear from Ocwen, and find out why they screw up everything they touch. Why can't they get their act together. Why they hire idiots. Why their website is so unfriendly. Why can't they do anything RIGHT.