Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

On Tuesday, XXXX, 2014 XXXX, Complaints Office XXXX & lt ; XXXX XXXX ; wrote : Dear Ms. XXXX : In your correspondence below, you asserted that Indymac and Ocwen failed to grant you an affordable loan modification. You feel the lenders discriminated based on your age and XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) is the federal agency which accepts complaints about consumer financial products and services. The CFPB accepts complaints regarding problems with the mortgage process : applying for a loan, receiving a credit offer, signing the agreement ( including the settlement process and costs ), making payments, and problems when you are unable to pay for your loan ( loan modification, collection, and foreclosure ). You can reach the CFPB at the following address : Consumer Financial Protection Bureau XXXX, Iowa XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Online complaints : http : //www.consumerfinance.gov/complaint/ http : //www.consumerfinance.gov/ We also recommend that you contact a HUD-approved housing counselor for assistance with your loan modification. This is a free or low-cost service. A recently released U.S. Department of Housing and Urban Development study said that with a counselor 's help, nearly 70 percent of those who sought housing counseling obtained a mortgage remedy to retain their home and 56 percent cured their defaults and became current on their mortgages. You can find a HUD-approved housing counseling agency in your area at the following link : XXXX XXXX We acknowledge your assertion that the lenders discriminated based on age and XXXX. Please be advised that housing decisions based upon age are subject to federal fair housing laws only if the respondent you are complaining about is a recipient of federal funding. The respondents you identified in your correspondence are not federally funded. Although you identified yourself as a person with XXXX, you did not describe any connection between your XXXX status and the lenders ' actions. The sole fact that you have XXXX is not sufficient to bring this matter within the scope of the Fair Housing Act. We do not have jurisdiction over the issues you have described. 

Please contact the offices listed above for assistance. We can take no further action regarding your correspondence. 


From : XXXX [ mailto : XXXX ] Sent : Monday, XXXX, 2014 XXXX To : Complaints Office XXXX Subject : HUD Fair Housing Complaint - XXXX Personal Information : First Name : XXXX Last Name : XXXX E-Mail : XXXX Address : XXXX XXXX : XXXX State : GA Zip : XXXX Day Time Phone : XXXX Evening Phone : XXXX Best Time To Call : XXXX Who do you believe discriminated against you? : First Name : XXXX??? 
Last Name : Ocwen Organization : Indymac/Ocwen Address : florida Where did the alleged act of discrimination occur? : Address : XXXX City : XXXX State : GA Zip : XXXX First Contact Information : 1. First Name : XXXX Last Name : XXXX Organization : Day Time Phone : XXXX Evening Phone : Best Time To Call : XXXX Second Contact Information : 2. First Name : Last Name : Organization : Day Time Phone : Evening Phone : Best Time To Call : Day What happened? : This concerns two mortgage companies the first Indymac, I had advised I had recently been diagnosed with an XXXX and had lost out on work. The mortgage got behind and I had sent in paperwork showing my income had declined and so had the co-borrower XXXX. Indymac stated that even though I had submitted the paperwork that did not mean that our home was safe from foreclosuer. This stressed me out so much but I did n't know what to do. XXXX than went to his emp