Consumer complaint received 2022-06-10
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

My mother died on XX/XX/XXXX with XXXX XXXX of XXXX. She was buried on XX/XX/XXXX. After going through her papers. I found the house was in Reverse Mortgage with XXXX who gave a first Covid-19 6 months extension in XX/XX/XXXX. I was quoted by all three mortgage companies of the Covid-19 extension available to me. ( two 6 months, one ( 1 ) 3 months. The loan was sold to Reverse Mortgage Solutions XX/XX/XXXX. While under the Covid extension Foreclosure procedures were started in XX/XX/XXXX on the property. When asked why I was told it was the normal procedure & I needed not to worry I was protected on the extension, But yet they proceeded with foreclosure procedure. I feel I was not protected under the extension. I was sold to PHH Mortgage Company. I requesting second six months extension. I was quoted I had three more months if I needed it. I asked for the three months with the six months and was told to wait until I received the letter of administrationXXXX XXXX, XXXX I called PHH informing received the letter of administration and requested the 3 month Covid-19 extension. I have corresponded diligent with all three companies & have a detail time log to stay inline with document deadlines and request. Calling weekly to check on my request, each time I was told its under review. On XX/XX/XXXX the end of my extension I was told that I was denied the three months extension. I began to meet with a supervisor XXXX every Thursday to discuss what our options were to buy the house. I met all the requirements of PHH stated for postponement of XX/XX/XXXX auction sale date. 1.Pre approval Leander letter for the over full amount of PHH Heir payoff quote. 2. Realtor purchase Contract which PHH later started was no longer needed. 3. All signed heir Documents in order to purchase the property. Final updated documents sent in XX/XX/XXXX for for sale date postponement giving us time to buy the property. My mother was caring for my XXXX sister. I had to relocated from XXXX XXXX  XXXX XXXX  for XXXX  years on a semester leave of absence to come and take care my mother. Since my mother has passed away I am now the caretaker of my sister. I am her payee and her in-home support servicer I took over my mothers care of my sister. I later had to take early retirement from my XXXX  job in XXXX  to stay and care for my sister. Her doctors recommendation was not to move her from her living arrangements. I have followed every guideline to be able to purchase the house to keep her in her environment. After doing everything PHH requested for postponement time allowing me time to go through the procedure to buy the property. When calling PHH mortgage to check the postponement on XX/XX/XXXX. I was informed that I was denied postponement in order for me to buy the property. The PHH mortgage rep informed me to get a lawyer for a restraining order on the house a restraining order on the house. You can imagine my devastation. I feel like have been misled lead. I was not even giving opportunity to do an appeal I feel that PHH mortgage company is not allowing me my right to buy my parents property that has been in the family since the early XXXX. I feel between the three companies they have been confusing and contradicting in their information to me. I have work in good faith and listening and follow their demands and guidelines. When asked today again for an appeal. I was told it needed to be requested in writing and it was a 30 day turnaround which is not the time that I have.

I feel that PHH mortgage has not been fair with in the heirs to purchase to keep our family home. I feel they took illegal actions on the families rights to buy the property while under a Covid extension of protection. Why would a lender deny funds to pay off the property.