Mike in a bad mood cause-
"I'm paying an xtra 300 a month for what?."
Then I read-
"man said escrow dept can't be contacted"
And THAT made me want to call the mortgage company and say-
"What ya mean they can't be contacted?? They didn't pay the phone bill or the ISP?? Will a telegram work?? Send a western union guy up there in one of those funny uniforms they use to wear to deliver the message. "Ya'll are still holding my money on a account that is CLOSED."
I don't blame him, I'd be in a bad mood to. I can promise ya, if Mike was late on a payment everyone would be on the phone on their end. Its funny when its their money, everything has a sense of urgency, but when its YOURS, "take a seat, get to it when we can."
Ocwen is one of the worst mortgage servicing company's around.
Make sure you document everything you are doing in this critical stage. Check your written mortgage that you signed at closing for any information on paying your own taxes and insurance.
Do everything in writing. I strongly suggest sending communication to Ocwen through snail mail, return receipt request.
If you can't get Ocwen to acknowledge that they have closed the escrow account, report to the CFPB. You may also want to write a QWR for a RESPA violation.
Double check with your insurance company that your insurance is actually paid. It would not be the first time that Ocwen claimed they paid the insurance and then failed to do so.