Consumer complaint received 2022-12-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I am filing this complaint again but as a new complaint. This complaint or concerns have been filed numerous amount of times throughout the last XXXX years. This complaint or shall I say the first few complaints were filed by my Mother and then by the both of us for years. But we never got a response or was provided a resolution. This complaint stems from a reverse mortgage provided by XXXX XXXX XXXX and later serviced by XXXX ( Reverse Mortgage Solutions ) located in Texas, but contract signed in XXXX XXXX Florida. Although, on medication she was constantly pressured into signing because it would help to pay her XXXX years of delinquent property taxes, her federal student loan that was late, and some medical bills while she continued to tell them she did not need so much money. 

This was a contract that was coerced, tricked, pressured into signing and as a result it was a scheme it appears or just plain fraud. There was funds promised if this loan/mortgage was signed and the funds were never provided as promised on the day it was contracted or signed. Although, the borrower ( XXXX ) did not understand without the brochures provided, being shown tv advertisements and believing what was told on that day of signing the mortgage or loan. It was told that the funds would be mailed or deposited into the provided account in a few days but this never happened. That is when borrower began to call repeatedly, borrower ( we ) began to send letters throughout the years asking them to correct the errors or literally just send the money or cancel or void the entire loan. She continued asking for the funds to be provided and it never happened. Every time this was ask sometimes a response would come in the form of providing a HUD XXXX XXXX XXXX, but never a copy of check cashed, to whom, where and when would ever be provided. Later, after retaining a lawyer this error request for correction and the whereabout of the funds were requested in XXXX and discovered that these funds were paid to a company XXXX American Home ) that the borrower never owed, nor ever had a business relationship with ever. 

Therefore, the borrower did not owe anyone in the amount of {$110000.00} in which the lender said they paid on behalf of the borrower, But again, the borrower signed to get funds paid to her as promised, while forced and pressured to sign to get these funds she was never told about owing any one until years later after desperately trying to locate the funds promised to her. Once she realized this was fraud she continued sending letters to XXXX, XXXX XXXX XXXX, and many other agencies trying to get this fraud corrected, this also included a XXXX XXXX. We also asked her then lawyers to find out about the loan or so called mortgage with American Home, at that time this company said, " they had never heard of the borrower, and she had no loan with them ''. So again the question proposed to XXXX XXXX XXXX and XXXX continued to be, where was the money and why was this loan not cancelled or voided? We have been asking for years for the proof of the owed amount, contract with when and who have been paying for this loan ( American Home ) before taking out a XXXX Mortgage. Now we began earlier this year asking the new servicer PHH to provide the same thing, and again they are providing the same thing the payment plan and the HUD XXXX XXXX XXXX, But never what is requested because this loan was and is a fraud from its inception. 

Since there is a balance it was asked repeatedly and to date it has never been provided. Unfortunately, my XXXX 's presence and my promise to never stop until this correction is made, I am not receiving the same that as been asked by both my XXXX and myself, proof of the so called owed amount to American Home. I have since been asking for assistance in this process and error correction. Now I was promised this would be provided and it has not been yet. Also, since this request has been made since XXXX of this year with PHH, and have not received this proof yet. But while awaiting this proof I am in the process of also asking for the disability-death benefit taken out at the time contract was signed, it was paid for at that time. It has never been paid once requested in XXXX, again XXXX and now in XXXX. This benefit policy as not been honored as the contract or reverse mortgage as not been funded. Also, how this reverse mortgage proceeded when a counseling session never took place and so many violations occurred. The policy was never followed while the funds were stolen and never paid to the borrower, an elderly person defrauded once again. This title should have been cleared or mortgage voided long time ago, someone should be able to show where this money went. It seems " XXXX XXXX Dreams '' was real and we were victims. Now I am in the process of qualifying for a loan-mortgage that was never paid or funded in the beginning. Because of XXXX XXXX and XXXX XXXX delays causing financial delays of financing and asking and receiving the proof of the payout to this fake company XXXX American Home ) and to whom was paid because there was no loan-lien owed XXXX the borrower and by the way to which property or to whom property was this lien-loan attached to, because it was not this property. I recently asked for another extension allowing for the benefit of {$300000.00} taken and paid at the closing of this loan-reverse mortgage to be provided, and to extend an additional XXXX months so that I could be provided what we have been asking for years ( XXXX of where the funds were paid to and why? ) and allow for additional assistance due to financial loss as a result of XXXX XXXX and XXXX XXXX. Recently asked and never received an answer after XXXX letters mailed and requested beginning XX/XX/XXXX. The only response I received last week was about some marketing opportunity to sale the property is not what I want, to sale. Yet, they are trying to allow an attorney who as ethically insinuated himself regarding this property. Yet, they have not provided proof of where those funds were paid and to whom if anyone, because it was not the borrower. My Mother worked hard for years to purchase our family home, but that was not so someone to steal hard earnings earned and dream as a home owner ( equity ). That is why with a line of credit was never taken out, because the funds was never given in the beginning. This is another elderly that was taken advantaged of for their personal gain, a victim of abuse in this transaction. Where was her restitution or correction of this scheme to defraud, apparently the XXXX XXXX XXXX showed the wrong information regarding this American Home , that was wrong and did not apply to the borrower or was a fraud. Did they really pay off a mortgage-loan on behalf of the borrower? Were everything followed within the policy. I am trying to receive an extension to receive all mentioned above issues, and to obtained funding to absolve the balance. PHH promised to grant an additional extension while promising to provide the documents I am requesting, now they have not provided me the extension only to provide marketing information. I am not selling when there are benefit policy amount over $ XXXX and I am also again going through a finance company. I am looking forward through investigation receiving a documented signed contract copy with American Home with the borrower on a property which I know is not this one because this contract is not in existence because the borrower never entered into such a contract. All of this is and was to defraud the elderly borrower. I am going to gain the financing through alternate means, but why and yet it is required to secure. The dates of dispute began weeks and months after the promise of funding and never receiving the funds. In the beginning not knowing that {$110000.00} was paid to American Home for years. A fake company we knew nothing about. If other documents are needed please request. Although, uploaded a couple anyways. The uploaded documents may show personal information