Consumer complaint received 2016-10-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

My original lender was XXXX XXXX and on or about XX/XX/2012, the mortgage was transferred to Ocwen without any knowledge to us the home owners. With XXXX we were in the process of getting approved for a permanent modification and everything went down hill from there. We made the trial payments to XXXX Mortgage and I sent the 3rd, 4th, and fifth payment was not ever cashed by XXXX. As I noticed that the checks were not deposited by XXXX, I decided to call and inquire as to why they did not cash the checks. We were told that the mortgage is no longer with XXXX and that it was transferred and sold to Ocwen Mortgage company. We had not received any notices to inform us that we needed to deal with Ocwen now. I finally found Ocwen 's number and I kept calling XX/XX/2012 to see what my status was and what was going on with the modification. They did not have any information from XXXX nor did they say that I was under the modification trial and awaiting a response. I have attempted several time to modify my loan each time I was given the run around and now the debt has accumulated over time. We were given misleading information regarding the loan that had been transferred from XXXX. They have failed to provide accurate and timely information to us while we sought information about loss mitigation services, including loan modifications. They misrepresented that loss mitigation programs would provide relief from the initiation of foreclosure or further foreclosure efforts ; providing false or misleading information about the status of the loss mitigation review, including while referring loans to foreclosure, provided false or misleading information about the status of foreclosure proceedings while we were pursuing a loss mitigation alternative offered by the Servicers. I assume that they failed to properly calculate the eligibility for loan modification programs and improperly denying loan modification relief to eligible borrowers ; failing to properly process borrowers ' applications for loan modifications, including failing to account for documents submitted by borrowers and failing to respond to borrowers ' reasonable requests for information and assistance, and as a result, denying loan modifications to us thinking all that time that we were eligible, they provided false or misleading reasons for denial of loan modifications, with respect to transferred loans, failing to honor in-process trial modifications agreed to by prior servicers in this case from XXXX who was our previous servicer. It has been a difficult time for us in the past and now that we are getting to a point where we can afford payments Ocwen refuses to speak to us or return our calls and when they do, we are given to other representatives where we leave messages but never get any calls from them. I am afraid that the property may have been sold under our nose and or put in foreclosure and we were not given the opportunity to attempt any chances of saving our home. I googled the home and other owners have been named and the address for the loan is different from the address of my home. I have attached some documents for your review as well to verify our claim.