Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CA)

On XX/XX/XXXX of XXXX. My only child XXXX XXXX XXXX XXXX XXXX XXXX in front of his XXXX children. 

Doing this time PHH mortgage allow me to be on a deferral payment plan due to Covid Soley due to Covid. I requested doing a period time from XXXX current to file for a loan modification due to the fact that I am now supporting in addition to myself, XXXX children and my grandchildren XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I was asked repeatedly to provide documentation which include the death certificate of my mom whos name is on the loan for the house due to the fact that Credit was much better than mine at the time of my purchase over 18+ years ago Are my name and Soli my name is on the deed of trust which PHH mortgage has all of that information including the power of attorney, which was submitted due to my mothers, failing health issues Once I provided the requested documentation I received a letter stating that Phh would no longer have any lines of communication with me due to the fact that my mother did not die in my home are you kidding me? 

After several months of going back-and-forth with them unfortunately in XXXX I lose my son at that point in time I am assigned a lawyer with XXXX agency My attorney XXXX is XXXX I have provided submitted no less than six loan modifications. My request was to have my monthly note lowered so I can make it due to the fact that Im not taking care of my XXXX grandchildren and I am on Social Security what a limited income I had to find some type of work because my phones I did not have it. I was told by Phh Mortgage that since they receive the funds and Im so grateful from the California  Mortgage Relief Program, that I would receive a package in the mail with a six month trial period for a loan modification, which would result in a lower monthly payment. 

Between XXXX and XXXX I received a statement a bill from Phh indicating that the escrow account was short XXXX dollars I paid that which means that the escrow account shouldve been current. Phh put me on the deferment plan due to Covid even though I asked several times to have a modification loan submit it by myself because I wanted to have an idea what my monthly obligations would be moving forward now that I am financially responsible for XXXX minor children. 

I was promised repeatedly that I received a package in the mail. I did not receive the package in the mail now its at the point where I need to bring in my attorney which I did I apply twice and was granted so gracefully twice to have my mortgage payment bought current do the California Mortgage, relief Program. 

In bringing the account current, the payment inclusive were any late mortgage payments, escrow, insurance property taxes, which all is under your escrow. The two times that my account was bought current by the California Mortgage relief program if there was any outstanding escrow balance, the monies that Phh received from the program, most certainly bought the account current one, if not many of the criterias for releasing funds to bring the account current clearly states any and all back payments which include insurance property, taxes the mortgage, whatever it may be a California Mortgage Relief program ask the mortgage companies to provide a statement to bring the account current, which the California Mortgage Relief Program did. 


Unfortunately, my financial situation became worse. My home was set up for foreclosure sale on XX/XX/XXXX of XXXX. I was able to secure the funds to stop the foreclosure sale. The amount which was paid to PHH mortgage included a {$7000.00} escrow payment. 

My problem is this I received a letter between XXXX and XXXX indicating the escrow account was short I paid the amount due between XXXX and XXXX PHH mortgage received two funding from the California Mortgage Relief program to bring the account current, which is inclusive of the escrow account Before I made the initial payment to bring the escrow account cover between XXXX and XXXX my monthly mortgage was {$1700.00}. Once I received a letter that there was a shortage in escrow and pay the {$530.00} to bring the account current my monthly payment never went back down to its original amount which was the {$1700.00}. 

Phh Mortgage has received XXXX payments which should have the escrow account not current but over paid. I want to know why the monthly mortgage amount has not returned to its original amount on this fixed loan for 30 years because all of the escrow shortages have been well secured. 

My final issue with concern is once I paid XXXX thousand dollars to stop the foreclosure of my home I was due to receive a reinstatement notice I have not received that I have called Phh Mortgage several times requesting that information during the course of my whole horrendous dealing with Phh for over XXXX years I am never addressed directly. They refuse to send necessary documentation to my self. My lawyer did reach out to let me know that she received the email with the information for some reason I have yet to receive that from her also however its PHH mortgage responsibility to give me that information They need to be held accountable And no, I never received a modification and I apply for a hardship modification due to the murder of my son which I need to mention they requested me to forward to them over XXXX times yes XXXX times a copy of my sons death certificate thats inhumane And for me to be informed that because my mother did not die in My Home, I worked for the XXXX XXXX XXXX I was at work. My mother was at my sisters home doing her passing. How dare the mortgage company tell me because my mother did not die in My Home that they can no longer have any type of communication with me be a verbal or written what is going on they need to be held accountable and they absolutely need to pay me for stress. 

Thank you XXXX XXXX XXXX