This is off-topic, but here's how bad Ocwen can be and this has nothing to do with credit. Ocwen is mainly a debt collector that got into the mortgage business. When you call them, you are treated like people are typically treated when they call a debt collector, no matter what the reason for the phone call. For example, one year they didn't pay my property taxes on time. When I called them I was never able to get past the hard-to-understand people in their call center in India, Pakistan, or wherever they are. They wanted all of this other information that had absolutely nothing to do with my property taxes. It was all about getting information to pay debts, even though I was up to date with all payments and just wanted them to pay the taxes from my escrow account. After about 15 minutes of them asking me all sorts of unrelated questions, they still refused to even talk about the taxes not getting paid, so I finally hung up.
One year I changed my homeowners insurance. The new company sent Ocwen a bill. Ocwen never paid. They sent them another bill. Again, not paid. I finally paid it myself to avoid losing coverage and then about 4 months later they actually paid the bill, which was by then almost six months late. The following year Ocwen sent the insurance payment to the old insurance company, not the one that had billed them. Luckily, both insurance companies are in the same small town and the old one turned over the payment to the new one. I wrote letters to Ocwen explaining their error. They wrote back, so I thought the situation was over. Until, the next year when it happened again and they once again sent the insurance payment to the wrong company.