Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

Approximately XX/XX/XXXX I wife and I we 're having trouble paying for our mortgage. The The mortgage company 's name XXXX XXXX / Ocwen we were XXXX payments behind and the XXXX XXXX went XXXX days and XXXX days I called to make a payment and they would not take payment unless it was in full XXXX and that 's why we were late you were also in the middle of a modification I told them if I could pay in full I would but that 's why I needed the modification so we filled out the application after numerous phone calls and many times of giving them paycheck stubs of my wife and letters of hardship and profit and loss they were scheduling phone appointments approximately XXXX weeks apart they as in Ocwen and the modification team missed quite a few appointments on the phone when I spoke to a supervisor she assured me that this matter will be taken care of then they called me and said that my application was XXXX days old and I had to start from the beginning. At that point I called the attorney general of Ohio they referred me to HUD which my contact there was XXXX XXXX she referred me to XXXX in my contact there was to be XXXX XXXX when I called they sent me out an application I made an appointment and spoke with a XXXX XXXX after filling out a complete application and getting paperwork that I was lacking I hand-delivered it to her she sent all the paperwork into Ocwen after approximately six weeks I called back she still had no answers then around XXXX she called me and needed an explanation of my wife 's pay I sent over the explanation in writing to her and also told her of my concern of the XXXX day deadline she said not to worry that that did not apply to them I continue to call XXXX every XXXX weeks update she said we are waiting on a decision periodically she would need an updated paycheck stubs bank statements she kept on assure me that all the paperwork was in and we are just waiting on underwriting and then I found out that Owen outsources all their underwriting and material for the modifications as time went on I started getting nervous so I continue to call every two weeks XXXX said there was no updates I even had a conversation with XXXX boss XXXX XXXX I told her my concern of foreclosure she told me that in the state of Ohio they could not foreclose on the property if you were in the middle of a modification or waiting on a decision and that was a law at that point I started getting letters of foreclosure and kept calling them and they assured me that it was nothing to worry about and on XX/XX/XXXX I was served papers up foreclosure on my property I then called XXXX XXXX said she would look into it I also called XXXX XXXX at HUD XXXX said she would do some investigation XXXX called me back and said that I was to file a complaint with you and send a letter to them a letter of error that she had spoke with an attorney and he said that they could not foreclose on the property why would n't a decision on the modification XXXX then told me to call Ocwen myself and check it out I spoke to XXXX and the modification team she told me that she knew of no such law XXXX thing I was missing was an updated paycheck stubs of my white from her job XXXX I call back in two days and they said they received them and we were waiting for underwriting I called back XXXX at XXXX and told her I was running out of time she told me to go ahead with the complaint against Ocwen this is been going on for over a year and they told me it 's because of the outsourcing and now they want to foreclose on my property. I do know that HUD and XXXX have tried to contact Ocwen and the gentleman that handles the foreclosure and he has never gotten back to them I have no where to turn I have run out of time