Consumer complaint received 2015-05-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Suffered a traumatic head injury in XX/XX/XXXXI was 3-4 months behind at this timeThis has been a lengthy process that has involved multiple mortgage companies and many agencies and a couple of attorneys and their continued involvement. 
Dealing With IndyMax before OCWEN purchased my loanDenied repeatedly every attempt to work out a payment plan to recover the 4 months I fell behindMade monthly payment ( 37 Months ) following my injuryCalled to make a payment XX/XX/XXXXWas told that only a full payment would be allowed. 
Told to talk to the customer care teamTold that based on my payment history they would likely just do a " CAP MOD '' A " Cap Mod '' is when they take the past due balance add it to the principle and I continue to make the same monthly paymentI asked how long the modification process would takeTold 30-45 days max but in my case maybe shorter-months laterNever a denial letterNever anything except the continued request for the same documentsThen when I made my weekly call asking for a status report I was transferred to OCWENOcwenAt this point I knew this was a scam but I truly believed there was legal ramifications that would not allow them to take my homeTalked to OcwenI had no choice but to submit another modificationCompleted the Modification and sentRepeatedly asked for more documents ( again ) And this went on and onI could only speak to my contact at Ocwen by " appointment only '' Appointments were always 2-3 weeks outBy the time the person from Ocwen called me the documents were outdated and I need to submit new onesThis went on and on for an additional six monthsXX/XX/XXXXOCC ... .Office of the Comptroller of the Currency did a foreclosure review of IndyMac and found I was entitled to a payment16 Months later I finally get a denial letter from Ocwen claiming I could not afford the modification plans they offerI disputed stating that my history proved I can and because of the delays THEY only made things worseTalked to someone " actually in this country '' regarding my denialPut the blame on IndyMacI told him that OCWEN did the same thing continuing to delay the process and that I could n't talk to anyone for 2-3 weeks which only made the previous documents " outdated '' He stated that they denied my modification because it would not lower my payment. 
I told them that was never my intention and I had a history of making my payment and only fell behind because of hospitalizationIndyMac and NOW Ocwen delayed the modification process when Central ( my other home ) completed the process quicklyHe explained that they do n't look at payment history or do modifications " willy-nilly '' He ended the conversation by saying they could assist in a short saleThat was the whole plan to begin with ... force me to short saleContacted HUDI was told I should consider talking to attorneyI contacted an attorney who asked to review Ocwen Denial ReportBased on the attorney 's finding she stated that Ocwen had not used all my incomeSubmitted new modification which the attorney prepared so they were VERY CLEAR of my incomeThe attorney also stated that Ocwen only denied me on XXXX type of loan and never offered other typesDenied again. stating my home was worth less then I owed. 
Contacted HUDThey referred me to XXXX to help me with the litigationI was so grateful because I had no luck communicating with anyone at Ocwen. 
No matter who I spoke to I received the same scripted answerXXXXThey explained my home price was not a HAMP requirement and that they would handle the litigation for meNo communication with XXXX eithercontinued request for documents- we promptly prepared and sentLast Document request XXXX XXXX and sent by NIDForeclosure noticeXXXX XXXXNever received a denial and either did XXXX receive anythingLegally I believe they had to allow me 30 days to dispute..nothing