Consumer complaint received 2019-09-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NC)

Thank you. My name is XXXX XXXX and i have recently reached out to your organization and explained in details of the unfortunate situation with regards to both mortgage lenders, Ocwen Loan Servicing and PHH Mortgage Services. The problem started out with Ocwen Loan Servicing, LLC.  Back in XX/XX/XXXX a Third Party submitted an application of my behalf and assisted me with the filing of a Loss Mitigation/Loan Modification application. Ocwen intentionally misled me into thinking they were helping me when infact their true intentions were to get my home out from under me. My account had been transferred to PHH Mortgage Servicies on XX/XX/XXXX and they too played the same game. Repetitive request for same documents, sending application which on the service would appear as if they wanted to help when in reality they were out for monetary gain. I have recently discovered by reputible sources and due diligence and uncoverd the fraudulent tactics that both companies were practicing. In my reviews it also mentioned how CFPB submited findings as well. Please note that I have lost my home of my deceased dear mother. It feels as if i have lost her all over again. They had no real intentions of helping me. I started out only two months deliquent going into my third, paying {$480.00} and 5 Hud affilate originazations neglected to not only handle an FHA properly which is mandated by the Government, but by the thrid party submitting my application four months later which only furthered my deliquency causing it to spindal out of control, i know clearly understand that Ocwen was on a cease-and-desist mandated by the courts and they were sinking. PHH acquired the account and played the same game. I am truly aware of the millions of dollars that these two companies have had to pay not only New York State, but they have caused many homeownes to face significant loss. 

. I have been served with a vacate notice and i will obey that just as i have everything else. Ocwen and PHH has to be stopped. What they don't realize is that i am a recent double major in the XXXX XXXX/XXXX XXXX and i will not stop until all resources and media outlets are made aware. The injusticies have happened to me, i have complete date/timelines of every spoken word to the minute. I have made a complete video of the duress state of my home. I am XXXX years old and my heatlh has drastically declined. I am a single mother with a XXXX year old who the pain is so severe that she has left home. I have no one to help me. I have been holding on to my dear mother and her memories because of that house and to depend on Ocwen not knowing that they were never going to help me and they knew the distress i was under omg! PLEASE! someone from your organization reach out to me, allow me to be that spokeperson to bring awareness. No one should ever have to go through this or be faced with such a loss. I played and obeyed by all parties rules. Imagine in essence of my own accord {$1600.00} i have lost my home are you kidding me! With the amount of Government Programs someone please tell me how could such a thing happen. I will be seeking legal representation, social media, news media and i will have no problems going all the way up to elected officials. I read the entire fraud cases and reviews on both companies and i am fully aware of the PHH and their bogus attorneys XXXX XXXX XXXX and now their newly appointed XXXX XXXX XXXX. Please reach out XXXX or XXXX. Thank you for your time and review. 

Stop them!