Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (LA)

To whom it may concern : In XX/XX/XXXX my XXXX XXXX XXXX passed away, since then I have been trying to convert the Mortgage into my name ( XXXX XXXX ) I have gone through many hoops, and completed assignments given to me by PHH within 24-48 hours of said assignments, each and every month I am contacted by a new representative who doesnt know the progress or phase my application, documents etc. are in, causing me to have to explain from day XXXX over and over again, each phone call they request one singular document, I will submit it immediately. 
Phh rep will give me a date 30 days out to discuss next steps. and after 60 days of one document at a time, my application expires. each conversation is recorded by the company, and each email should also be accessible. 

this also has caused me to turn in the same application, with supporting documentations repeatedly, each time a follow up call is scheduled out 30 days, and each 30 days a new rep with no prior knowledge to my case starts the process over. 

finally, the application was approved in XXXX!, and I received paperwork in the mail in my name, telling me I needed to start making mortgage payments with monthly schedule of payments and breakdown of said payments, I was overjoyed the process had finally been completed! I began my payment! 
only to be contacted 15 days later, telling me I was in default and needed to start the application process all over again as I did not sign a contract.!!! 

( I never received a contract ) and discussed this issue with said representative at that time, they did an account review, discovered all the previous notes, apologized, had me speak to a supervisor, and yet, we needed to start all over again, there I was, filling out, re-submitting, re-verifying information, again within 24-48 hours of the request. Again, with a follow up call in 30 days, I always turned in documents in a timely manner, only to be asked for one item at a time, in each step of the process, 30 days at a time, only to be told in XXXX, one of my documents that I had turned in 30 days prior had expired, ( again, not my fault as the timeliness issues were not stemming from my side ) Now I am faced with Foreclosure! 
I feel as though i was forced into foreclosure by PHH and their employees. 



I have done everything in my power to save my fathers home, and instead of assisting me, it seems as though I have been intentionally put into a situation to lose it, I ask that someone review the countless recorded appointments and emails. 

I was told that all documents had to be received no later than XX/XX/XXXX XXXX h I completed each request within XXXX hours of their request. 

One of the many examples is that in XX/XX/XXXX I was asked to submit the XXXX IRS XXXX extension form, only to be informed on XX/XX/XXXX, that the XXXX IRS XXXX form had to be filed no later than XXXX of XXXX. 


I would like someone to review my case/account number XXXX And please let me know what can be done.