Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

My loan was sold without my knowledge from GMAC to OCWEN. OCWEN began to fail applying my monthly mortgage payments for the months designated when sent by automatic bill pay from XXXX XXXX. OCWEN forced my mortgage into arrears by holding payments before applying them, then alleged I was behind. I did not receive notice that my fixed mortgage payment changed. OCWEN verified that my mail was returned undeliverable and knew that I never received notice of a rate increase. My fixed mortgage payments were set up for years on automatic bill pay with my bank. My mailbox was stolen off of my house and I purchased a PO Box to protect my mail. I was unaware that my mail had been returned or that the fixed rate had increased as it was supposedly FIXED. OCWEN later said it was an escrow shortage. OCWEN prematurely initiated a foreclosure on my house, despite my regular payments. I contacted OCWEN customer service to gain clarity as to how my mortgage payments deducted monthly from my bank could be in arrears. They assured me that my house was not in foreclosure. They initiated foreclosure while I was trying to unravel what occurred, but I did n't receive the filing and was unaware of any legal action pending. I could have immediately paid any escrow shortage. During that time, my bank continued to make my monthly mortgage payments to OCWEN. I was unaware a foreclosure had been filed. OCWEN began breaking into my home, attempting to prepare my house to sell while I was still in it, before the foreclosure was initiated and while at all times I owned it. I was diligently trying to resolve the issue. It was not logical for my house to be in foreclosure or behind when I paid monthly by automatic withdrawal from my bank. The OCWEN rep assured me that my house was not far enough behind to go into foreclosure. Suspiciously, without warning, all of my paperwork was removed from OCWEN 'S website, preventing me from obtaining my payment history and tax records. I called OCWEN and they refused to speak with me. I then discovered that XXXX had been illegally entering my house since XX/XX/XXXX, before a foreclosure action was initiated. They eventually stole everything out of my house, apparently in an effort to sell it to investors illegally. XXXX admitted that they entered my house at the direction of OCWEN. They had no legal authority to enter my house. At all times, I was paying my loan. In XX/XX/XXXX, they stopped applying my loan payments, but did not return my money back that was automatically deducted from my bank account. I have requested a loan payoff quote multiple times for almost a year, but they have refused to provide a payoff quote in violation of the law. It took them almost a year to review my payment history and provide it to my lawyer. I still have n't received a payoff quote. XXXX admitted they took pictures of my property inside my house, but refused to identify the property or return it. They broke off my locks twice and replaced with their locks without any legal authorization or right to do so. My home is in an area being gentrified by major private corporations, including : the XXXX XXXXXXXX Hospital ; and XXXX XXXX XXXX XXXX. Upon information and belief, they are trying to steal my house to sell to investment companies buying up my neighborhood and driving out all XXXX who owned houses in this neighborhood. My house is historic and they are attempting to steal it without paying market cost by initiating an illegal foreclosure. They have taken most of the houses in my area by paying below market rate for the majority of homes that predominantly belonged to older XXXX who did not have the resources to resist or fight back. OCWEN should not be allowed to get away with stealing homes by initiating illegal foreclosure actions against XXXX who do n't want to sell.