OCWEN has failed to properly service my loan from the time they took over servicing from MSDW in 2012. From day ONE they have had problems and have failed to acknowledge the errors in a timely manner. They have falsely applied charges to my account and have not properly adjusted the balance once the errors were discovered. Due to so many errors and the inconsistency between statements, payoff requests, 1099's and transaction histories, it appears to me that they are operating from multiple sets of books, or it is complete incompetence.