Consumer complaint received 2020-06-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

-- The original mortgage that was taken by me and my then-husband was sold to a loan servicing company. 
-- I divorced the service member after 10 years of marriage and I received the home in the divorce via Quitclaim deed. 
-- Child support was received in full for the first year. 
-- In XXXX, being a single mom of an XXXX XXXX with XXXX XXXX that demanded intervention and my employer being unsupportive during this time combined with the sudden loss of child support payments, I fell behind on mortgage payments. 
-- The hardship began in XXXX and I did a loan modification with this company. 
-- I still had difficulty paying my mortgage and struggled. 
-- In fall of XXXX I realized that with essential repairs that I could not afford combined with monthly expenses, I couldn't handle the property and I filed for a deed in lieu of foreclosure -- I loved my house, but emotionally, physically, and financially I couldn't do it anymore and I wanted to do the right thing, I did not want to go through foreclosure. 
-- In XXXX I lost my job and had further XXXX XXXX with my XXXX. I had completed the papers for the deed-in-lieu of foreclosure when someone approached me with interest in the house and the name of a broker that could handle a short sale with the loan servicing company. 
-- At this point I was deep in XXXX and shut down and I met with the broker. 
-- The broker said they could stop everything and do the short sale -- that it wasn't too late and they would handle everything. 
-- The broker became the sole communicator with the person interested in the property and the loan servicing company. 
-- The title was clear on my home and checked out clear for the deed-in-lieu. 
-- Months go by and the person who was interested left and another interested party was found. The broker continued to tell me there was a problem with the title and they were working on it. I didn't argue and didn't question because my XXXX XXXX  at this point had deteriorated. 
-- In the summer of XXXX I was hospitalized for my XXXX XXXX, I was also served with foreclosure papers. 
-- After hospitalization I began to question the broker and the bank about what was going on. This was when I was told that the house was no longer in my name and had been transferred to the Secretary of the VA. The broker was continuing to try to sell a house that I had no claim to because the original deed-in-lieu had been filed with the county clerk and the deed transferred to the Secretary of the VA. 
-- I went back to college in the Summer of XXXX and one of my professors, who was an attorney, contacted the broker and bank. 
-- The last full payment I made on the account was XX/XX/XXXX. 
-- The deed-in-lieu was recorded in XX/XX/XXXX -- I contacted the VA and they said that in XX/XX/XXXX the deed was transferred back to the loan servicing company. 
-- In May of 2018 I was contacted by someone from the loan servicing company -- my papers landed on his desk and he wanted to know what i wanted to do. I emphatically told him I wanted the deed-in-lieu to be completed -- The loan was referred to another attorney for foreclosure. I spoke several times with the attorney handling it and offered my cooperation and desire that the deed-in-lie be completed. 
-- For the last 7 years, every single month, the loan servicing company has reported late payments. My credit has been ruined. 
-- I have been unable to find an attorney that is willing to represent me with this case -- I have tried to repair my credit -- perfect payments on credit cards and a car loan. Paid off my car early, settled two small debts. The score that rental agencies use to determine my eligibility is horrendous, barring me from living anywhere decent. 
-- The loan servicer still reports me late, late fees, interest and past due payments have been accruing for many years and they still contact me several times per week. 
-- I have no idea what to do and having my credit destroyed year after year is worse than if I had allowed the home to go into foreclosure, I can't even get a loan