Ocwen Loan Servicing Insurance Rip Off Springfield Nationwide

My rental home was a total loss.  Tree fell across the house on 9/2/2106.  Insurance company finally totaled the house once the tree was removed.  They forwarded two checks to Ocwen Loan Servicing since the checks were sent out on 1/26/2016 according to the insurance company.  Finally received correct checks.  One to Ocwen to pay off the loan, and another check to cover the full amount of the insurance on 2/10/2017.    Ocwen had placed the insurance on the house, so they were techincally the owner of the policy, even though I paid the premimums through my mortgage every month.  Here is it 2/15/2017 and Ocwen says they have the check to pay off the loan, but it is "in process".  They claim to have sent the other check made out to me and them for my endorsement.  When I spoke to one of their "representatives" in the loss draft department, They said that once the loan was paid off, I would no longer have an account at Ocwen.  So, they have the funds to pay the loan off, yet have not yet done so.  They sent my check to me to be endorsed by me and returned to them.  So, where is my money going if I no longer have an account with Ocwen?  After reading all the complaints on ripoffreport.com, I am very fearful of endorsing a check back to them for such a large amount and them paying off the loan wirth the funds they hae retained.  They claim that the money will be sent back to me.