In August 2009, our loan was transferred from Taylor Bean & Whitaker to Cenlar, then to Ocwen in Nov. 2009. Some checks might not be processed on time due to the transferring process. For example, our loan was transferred to Ocwen on 11/16, but the payment was due on 11/16. We had to send the payment check to Cenlar before the payment due on 11/16, when our loan was still with Cenlar. Ocwen applied our September 2009 payment to August 2009, and so on as shown in the letter from Ocwen. I called and written to the Cenlar, Taylor Bean, Ocwen and the Freddie Mac and sent the proof of the payments (copies of checks and bank statements) many times. Ocwen never clean our credit report, which caused a lot of trouble in our refinance..