Consumer complaint received 2016-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Homeowners servicer has held homeowner in extended processing, not evaluating documents properly. Homeowner submitted 3 three RMA applications requesting modification for RMA request for mortgage modification assistance. Homeowner filed all required documents required with the RMA applications. Homeowner has provided all required documents to the servicer. 

Upon the third denial for RMA, the servicer disclosed that the homeowners SS number did not match. The servicer knew all the time that on the request for modification three previous times, only to be denied. Servicer has commenced double tracking while homeowner was acting in good faith, qualified for modification and eligible. According to NPV Report from the Treasury Department ; under the DOJ/ XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. 

Servicer is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. 
This homeowner, feels that their case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. How can we work with our SPOC, when we can even talk to them, do n't return calls. 
2. A Single point of contact was assigned ; calls were made to the point of contact : no calls were never returned. 
3. Servicer has held the homeowner in extended process in bad faith. 
4. On the most recent RMA third application : all requested documents were provided and denied again on XXXX. Homeowner has confirmation via fax that documents were received by Servicer. Homeowner has filed an appeal within this solutions on XXXX. 
5. Homeowner has found errors in data used to calculate the NPV Result created by Servicer. The errors used would cause a false result in the NPV Results in the following : A ) wrongfully data input for property value. Input used is a 1 year forecast of {$320000.00} ; current value is {$200000.00} as per recent sales in XXXX, and B ) Imminent default flag wrongful input : was selected " XXXX '' for not being over 2 months late, when NPV Results clicked was 28 months late at time of data collection date of XXXX/XXXX/2016. 
C ) Homeowner has an excess of income of {$500.00} after all expenses paid. 
D ) the INVESTOR HAS INITIATED FORECLOUSURE PROCEEDINGS. THE BASIS OF DENIAL IS BASED ON WRONGFUL DATA INPUT : these XXXX points are causing a state of confusion and terror to the homeowner. 
6. Homeowner is in a state of fear created by the " fear '' collection tactics by SERVICER and the Loss Mitigation Department harsh collection tactics. 
7.The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. 

Alleged violations, included, but are not limited to, the following : a ) failing to inform homeowner of the identity questions in the 1st application, ask for proof of identity. 
b ) failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners. 

C ) Homeowner is officially filing an appeal on the denied RMA application dated XXXX/XXXX/2016 based on wrongful data errors on the NPV Results dated XXXX/XXXX/2016. 
D ) ask for a copy of the NPV Report E ) Ask for the name of the investor group that holds the note.