Consumer complaint received 2024-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Case # XXXX After filing a complaint with the Consumer Financial Protection Bureau XXXX XXXX Ombudsman sent correspondence agreeing to hold a check in the amount of {$3500.00} from the Mortgage Relief Program and to allow me to pay the balance of {$1100.00} as a down payment for a repayment plan. They indicated that this was an exception and that XXXX XXXX XXXX should send the funds as soon as possible. 
On XXXX XXXX I sent an email to the XXXX Ombudsman clarifying that at no time did PHH notify me that it would reject the original check after I made numerous calls to company. In that email I asked specifically how much would the down payment be in order to be considered for a repayment plan. 
On XX/XX/XXXX, I received an email response from the Relationship XXXX from XXXX  Mortgage clarifying the letter from the Ombudsman the email stated Please be advised the required down payment is {$4600.00} and if the mortgage relief send {$3500.00}, the remaining amount required will be {$1100.00} as you mentioned that you will be able to arrange the remaining balance by XX/XX/XXXX. ( a copy of that e-mail is attached ). 
After receiving the XX/XX/XXXX, email from XXXX  I diligently started making inquiries on the status of reissuing the check from XXXX XXXX XXXX. After numerous phone calls and emails I met with the staff of the Mortgage Relief Program on XXXX XXXX who stated that XXXX XXXX XXXX XXXX Department wanted a guarantee that PHH Mortgage would accept the check if it was reissued. I called the XXXX XXXX and was informed that XXXX  mortgage would hold the check upon receipt and allow me to send the {$1100.00}. 
On XX/XX/XXXX, XXXX Ombudsman sent a letter again stating that the XXXX Department would hold the check from the Mortgage Relief Program upon receipt and that they would assist me as a exception, and would receive partial payment on the account temporarily. 
It is to be noted that at XXXX XXXX was I given a DEADLINE to has the funds sent. The letter stated as soon as possible. 
On XX/XX/XXXX, I then received a letter from XXXX Mortgage entitled : XXXX XXXX with the total amount of the reinstatement to be {$8500.00} in order to bring the account current. In addition, the deadline for receipt of this payment was XXXX XXXX. 

Once again after numerous phone calls I went to the office of the Mortgage Relief Program On XX/XX/XXXX and spoke with my case XXXX XXXX XXXX ( XXXX ) to ask when the XXXX check would be sent to XXXX Mortgage. He indicated that XXXX had approved the reissued check for {$3500.00} and that XXXX should receive the check in XXXX working days. 
On XX/XX/XXXX, I sent an email to XXXX Ombudsman notifying them that the XXXX check was approved and to call me and hold the check until I send my portion of the down payment. 
On XXXX XXXX after sent the email I received a call from a mortgage relations XXXX notifying me that I had to pay the full amount of my past due mortgage which is now over {$9000.00}. 

As a response to the email sent to the XXXX ombudsman. The research XXXX at the mortgage company stated that as of XX/XX/XXXX, they had not received a check. ( It should be noted that It had been only been XXXX working days since I had notified the company that the check was in route. 
In addition the letter stated that I had to pay the full amount over XXXX and that there is no repayment plan. 
This is unfair and unethical. It has been less than XXXX weeks that a repayment plan agreement was presented and now XXXX Mortgage has reneged on this agreement because they could not receive the XXXX check immediately. 
I am not in control of XXXX XXXX XXXX XXXX and could not expedite the countys payment process. 
Their previous and current actions are designed to force me to go into FORECLOSURE!