Consumer complaint received 2024-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (WI)

In XX/XX/XXXX I started a mortgage application for modification for my primary residence. I was then 3 months behind. I made a payment in XXXX of {$600.00} that paid me through XX/XX/XXXX. I submitted the needed information to them at that time which mostly was my application and letter of hardship. In XXXX it was then requested of me to send my income proof. I and my husband ( boyfriend of 40 years also not on the mortgage ) are self employed so I had to submit to them the profit and loss statement for XXXX XXXX and XXXX. I did so. On XX/XX/XXXX I received an email on XX/XX/XXXX which stated they were still missing necessary information to complete my application. I spoke with the loan modification department on XX/XX/XXXX and was told that I needed to submit the proof of the income. So my checking account information was sent to them. And also to resend the profit and loss because the first one was not dated and signed by us. That was done on the XXXX of XXXX. I received a phone call from the mortgage department on XX/XX/XXXX telling me that they did not receive my information and my application would have to start over. My contact said she would try to back up my account so that they could continue my review. I sent a new profit and loss that day now including the month of XX/XX/XXXX along with another full application dated XX/XX/XXXX. I did so along with XXXX information like my food share proof and a new hardship letter dated the XXXX to save it in the review process. A letter dated XX/XX/XXXX said as of XXXX my application was completed and I was now in review for what kind of modification was good for my account. There is also an email telling me that as of XX/XX/XXXX. I was in communication with XXXX XXXX and several others. She has been the main person and we were scheduling weekly calls at this point. She asked me to do a letter on the XXXX of XXXX explaining how we would be able to support a mortgage payment going forward. So I did that and received an email saying that the information was received. Even though my application was considered complete. I was then contacted on XX/XX/XXXX that there was missing information I had to write on my profit and loss and so I updated that and emailed it that day. I received and email saying that had received the document. As of XX/XX/XXXX noone from that organization had opened that email. Letter dated XX/XX/XXXX indicated that because they did not receive the information that my application was now closed. I called immediately which was XX/XX/XXXX to discuss this particular issue ( having already a call from XXXX scheduled for today ) to find out what the issue was yet again. They told me they had needed the profit sharing information of our profit and loss. I spoke with XXXX. I informed her that we sent a letter in XXXX that explained all that and because of my illnesses our LLC has been supporting us which is the work that my husband ( XXXX XXXX ) does for a living. So we both receive 100 % of the profit. She then sent a task over to the underwriter explaining that. Today I called and spoke to XXXX who was a person assigned to the department for my assigned call today. She said that it will now take 5 business days to process the task that XXXX did and that my foreclosure was back active. And then it would take another 30 days for XXXX XXXX who is the investor to review my account. Which, will most likely negate my application once again. I need to get a resolution once and for all to this situation. I called the attorney involved and they did state it was back active today and it would be a few days before getting back into the court system. She told me that every time they need information that my application is stopped in processing. So then the 30 days starts over. I guess that is correct because it has taken this long and I still do not have an answer. Once this goes to court, then I will go through the whole court process and have to endure losing my home and submitting information over and over. Please help me get the the bottom of this and get a solution.