My mortgage was with Ocwen for a few years, then we had to file for a Chapter 13 and they were included in this bankruptcy. Four months after the Chapter 13 was discharged Ocwen transferred it to a Citi National Bank in West Virginia. It was transferred directly to the collections department at Citi National Bank. We were informed that it was be transferred to the new bank, but were informed that it was in collections. We received no information from Ocwen or Citi National on the status of our mortgage. I have had nothing but trouble with this transfer to Citi National. I can't get my house refinanced because of the Ocwen/Citi National transfer and I'm paying way to much in interest and for what I owe on my house. I think Ocwen did something to my mortgage before that transferred it to Citi National. Be careful if Ocwen sends you a letter telling you that they are going to transfer you loan!!!