Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (FL)

Ive been attempting to resolve this issue with them for many years as well as send the documents that they wanted as well as a loan modification paperwork. Even this year up to XXXX had sent the paperwork XXXX times for which they keep saying they not received it or couldn't read a XXXX  file. I even send some in multiple formats and ways such as certified mail and fax. I had to prove even the address of the home as Phh even had the wrong address as the home sits on a XXXX not an XXXX. Recently as i had people trying to help even to look to sell the property since it seems like a way to help, but ive had someone take a video of the entire inside of home without permission and we got XXXX shortly after this was done. I tryed to get a lawyer enen, but they want so much money upfront just to even talk about the matter. And evey people that ask me who the mortgage is with i say phh, XXXX they say " oh that company '' they all know them for ther bad reputation, service and handling of these matters. I guess because they are part of ocwen. Even i tried to contact the company that hold the mortgage XXXX they are owened by XXXX XXXX in texas. And they are of equality no help all they do is hang up on you. And i tried many times. I even called XXXX XXXX as they are listed as the trustee and had them do a check on it and they had no record of it. I ask phh to speak to a higher manager or even the foreclosure department and i was denied as they said they have no such thing. So what supervisors and reps run the entire company. I did do know they have such department but they refuse to help. They say " helping homeowners is what they do, '' they better think again on this. They even said the its not about the money but in the end that's all it's about. I even ask if i could talk to president or ceo or even the secretary to them i was told i had to go through there lawyers to talk to them. Its just a big run around with them. In the documents i sent you will see they are charging almost XXXX for late charges and even on there monthly notice it says {$45.00} for late charge. And even there appraisal could be taken into question. What is a human life worth in this world and this question i can even answer its just depends on how you look at it to XXXX its priceless but here on earth it's worth {$10.00} XXXX. All ive been trying to do in the so many attempts is to resolve this in best possible way. To save my home for my mom thats now XXXX XXXX XXXX and soon will be XXXX XXXX XXXX XXXX XXXXXXXX XXXX,  me and my pets as i rescued them from XXXX. Either from starvation or being burned alive and covered in oil. I see people are cruel to each other and dont want to help each other. Even i tryied to ask for help in many different ways and form from government to even local everyone is tapped out. Even the housing is tapped out but yet there are so many homes left empty, because investors bought up all the homes and rather sell them for a huge profit and influence the market with the banks all helping then to do so. Even people that come to look at the property to buy want it as cheap as possible and this whole thing of banks selling homes for cheap to investors but not even try to ask if the homeowner would like to buy the home first for the cheap amount as they have this home starting at {$1.00}. Even i said id give them the dollar to call it done. As with even home now that has gone in to this type of process needs so much fixing up even mine does.