Consumer complaint received 2016-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

We had our XX/XX/XXXX 30 yr fixed mortgage sold to Ocwen about XX/XX/XXXX. In XX/XX/XXXX we called Ocwen & got a lower rate on our mortgage but only one name now was on the mortgage. My husbands not mine. Ocwen said we did n't sign the new paperwork correctly. We did. I am the payee of all bills but when I would call Ocwen to have this issue addressed they said it could n't be fixed & the person whose name on the mortgage could only speak to them unless a letter was written giving me permission to speak. Both our names husband & wife were on the original mortgage they held. In XX/XX/XXXX my husband had XXXX. We struggled to pay Ocwen, we made monthly payments in full & did occasionally make partial payments. We collected Social Security & held a partial mortgage on a business we sold but that monthly payment was not made till the XXXX of the month. We contacted Ocwen repeatedly to get help in lowering our payments, or helping us in any way making the due date later in the month not the XXXX. In the beginning Ocwen allowed us to call in and make mortgage payments adding a handling fee {$15.00}. It was a convince over the phone so they charged. We always used a Debit card not a charge card. When they started threatening letters we were unable to call in monthly payment so we had to mail them a check. Payment was due the XXXX of the month & Ocwen was sent a check before the XXXX of the month but many, many times they applied or converted the check after the late date of the XXXX of the month always resulting in a late fee due. Our pleas we were n't late fell on deaf ears. Letters for foreclosure came. Threatening letters. We contacted a bankruptcy lawyer and filed for chapter XXXX. Our son came to our assistance and took out a loan so our lawyer could give Ocwen the partial money they needed. We went through bankruptcy, made our payments & got out of bankruptcy with our credit ruined. Ocwen still held the mortgage. They still sent letters saying money was still owed for different months, different years. We had to take our lawyer bank statements, cancelled checks etc & Ocwen still said we owed money. Our lawyer had to fight them for a very long & frustrating time. No matter how many calls from him or us could get Ocwen to acknowledge money was n't owed. Finally after many frustrating times they said that no money was owed. We were forced to buy insurance through there companies to be included in our monthly payments as we did n't have money for this. So they charged exorbitant fees & our mortgage payments went up. Our taxes were also incorporated in monthly mortgage fees. We rarely received checks at the end of the year for any surplus money. When we got the original mortgage we had recently sold our business in XX/XX/XXXX & were considered unemployed. Ocwen split our mortgage the XXXX mortgage had one rate and was for the bulk of the money & the 2nd mortgage ( with both our names on it ) a different rate. Recently Ocwen sold the XXXX mortgage ( with only my husbands name on it ) to XXXX XXXX XXXX XXXX We were never informed till after the transaction occurred. We still have the 2nd mortgage with Ocwen. We have called Ocwen multiple times trying to get the last 2yrs payment history so we can get a VA mortgage & Ocwen promises to mail or fax the history and never come through with that information. So we are unable to take any advantage of the lower rates available. We will at our expense have to go to our lawyer & try to resolve this issue. Ocwen is a horrible company & we are being held hostage by them.