Consumer complaint received 2017-03-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

XX/XX/XXXX Qualified written request notice of error To : Ocwen Loan servicing From : XXXX, Ohio XXXX Confirm : Last S.S. XXXX Loan : XXXX Subject Property : XXXX, Ohio XXXX In XX/XX/XXXX into XX/XX/XXXX I ran into a financial burden as did the rest of the country. I filed for bankruptcy protection in the United States Bankruptcy Court XXXX Ohio XXXX see exhibit A. 
1. On XX/XX/XXXX I entered into a reaffirmation agreement on the property located at XXXX, OH XXXX the current rate of 7.375 % was reduced to 5.25 % fixed rate with new payment of {$290.00} per month for 302 months see exhibit A. 
2. Receiving bills from the original loan amount at the original interest rate original monthly payment from XXXX starting in XX/XX/XXXX through XX/XX/XXXX these monthly periodic bill statement were accurate to the original note not the reaffirmation agreement see exhibit XXXX to XXXX. This was a violation by XXXX according to 12 CFR 1026.41 12 CFR 1026.70 12 CFR 1024.35 also violation of the high-stakes bankruptcy code section 524 section 944 XXXX having not executed the reaffirmation agreement correctly and applying the lower interest rate XXXX prayed to collect discharged debt that XXXX was not entitled to see exhibits B see-through CXXXX. 
3. On XX/XX/XXXX XXXX issued a transfer notice for my loan to be transferred to Ocwen loan servicing LLC see exhibit E. 
4. On XX/XX/XXXX I received a transfer letter from a new loan servicer showing a principal balance of {$49000.00} with an interest rate of 7.375 % again this was the original note rate but now the statement also included an escrow balance for what was to be discovered force placed insurance by XXXX see exhibit E XXXX. I received a another statement on XX/XX/XXXX the statement again listed in correct interest rate of 7.375 % showing an escrow balance of {$1100.00} and now showing a post-petition past due amount of {$18000.00} see exhibit G. This is a violation of US bankruptcy code under section XXXX and XXXX the collection of any post-post-petition debt should be applied for confirmation of my plan with the execution of my degree rule XXXX. This closed my bankruptcy case XX/XX/XXXX at which any creditor that at the time questioned if owed any money had at a statute of 30 days to file a claim with the bankruptcy court for the amount the creditor thought was owed. Fact no creditor came forth the plan was confirmed and the decree and discharge was issued in XX/XX/XXXX. 
6. On XX/XX/XXXX proximally a year and a half after the transfer letter I received a mortgage assistance letter referencing a relationship manager that had been assigned to my account contacted the relationship manager but never received a response and was ignored see exhibit H. By my point of contact not engaging in communications with me leaving me out in limbo on the status of my loan this was a violation of 12 CFR 1026.41, 1026.70, 1024.35, especially the rule 12 CFR 1024.40 which stipulates that a loan servicing company must they contact with the debtor and resolve any complaints. 
7. On XX/XX/XXXX I received a letter from the loan servicing company informing me the placement of a forced place insurance policy on my property again this letter was dated XX/XX/XXXX see exhibit I. This letter was in violation of 12 CFR 10 2437 on the grounds that this was the only those that I received about the force placed insurance being placed on my property. 
8. Shortly after I received a copy of the policy with an effective date XX/XX/XXXX through XX/XX/XXXX this policy was placed on my property approximately five months prior to the notification letter I received on XX/XX/XXXX see exhibit J. This is plainly a