Ocwen Loan Servicing GMAC mortgage fees imposed on my account, reversed payments, harrassing phone calls, no response to proof that I faxed from bank etc Waterloo Iowa

  Owen Loan Servicing was sold my mortgate from GMAC and has been charging fees to my account that are not on my mortgage agreement and has not been able to explain nor have they credited any back to my account.  They deducted payments from my bank account, reversed them months later never returned them to my bank account or to me, and are trying to foreclose.  I have faxed them proof and letters on many occassionas and have been on the phone with them numerous times.  They have not resolved or tried to resolve any of these issues.  I have all documentation including a noterized statement from my bank which was faxed to them.  After they received that noterized letter from my bank stating they did deduct two payments from my bank account they then turned around and reversed another payment to my loan account, charged me more fees and state thay I owed two more payements that they had received.  They to keep calling me harrassing me stating they are foreclosing on my account and stating that I owe them since 5/1/2013 payments two of which they have and have been charging fees to my account since they took over my mortgage.  They have also stated I have received letters stating my home was in foreclosure which I have not received and can not and refuse to give me an explanation on the fees they have charged me and where my payments were, and why they have not been credited back to my account.

  I have faxed them an additonal letter that reads as follows: I am attempting to understand how your company can possibly confuse and misfile my payments, can assess unknown fees and then threaten to foreclose my mortgage.  I have reviewed my bank account, sent you proof, and it appears that you have overcharged me, assessed fictitious fees and refused to properly apply my payments.  In my attempts, I need additional information from OCWEN.  Therefore, I need for you to advise me of the following:  Please advise of the basis for all ‘fees assessed, since Ocwen purchased the account, Explain why I still pay for PMI when my debt is 50%of my value, why do you not credit me for the June, July and August payments?  How is my escrow account payments computed?  Upon receipt of the above information, I will try to determine exactly what I owe and what refunds you owe me.  I will respond immediately following your responses to the above questions.

Thank you,

Sherri T

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12/11/2013