Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I contacted my Mortgage Servicing Company when I became XXXX behind and the lender recommended that I try Loan Modification and I stated that I was in a loan mod a year and a half before this date the lender said try and apply. So I apply on XXXX XXXX, 2016 and its a Saturday and submit all required docs by fax, email, to lenders contact. On Monday Morning XXXX XXXX, 2016 before XXXX XXXX XXXX XXXX XXXX I get a phone call from lender stating that I was Denied. I ask how they could even preview my docs that fast and decide to deny me? The relationship manager then informed me that I did not send in all required docs and that my lender suggested a re-payment plan. If I did not want plan my house would be foreclosed on. I received a notice of default when I was just XXXX behind and before I was denied loan mod. 
My home is under water and I owe a balance of {$230000.00} Our property is valued at the present time to be {$140000.00} My payment is {$1000.00} a month with tax and insurance My rate is 2.119 % which I have no problem with and its a 30 year fixed conventional Repayment Plan offer by lender After 2 months of run a round by lender on agreement on plan by then I was 3 months behind. So the lender offers me a re-payment plan that consist of Total payments behind 3 months at {$1000.00} x XXXX = {$3000.00} Required a down payment of {$1.00}, XXXX to be paid as agreed on XXXX XXXX, 2016 by XXXX XXXX which was paid as agreed to lender reference enclosed. 
Lender requested XXXX payments for months of XXXX, XXXX, XXXX, XXXX, XXXX of {$1600.00} Totals {$1600.00} x XXXX = {$8000.00} dollars plus the {$1300.00} down payment which would total {$9300.00} minus my past due of {$3000.00} = {$6200.00} Why are they charging me this amount for what? 
I made the down payment like I mentioned before as agreed and my next first payment of {$1600.00} is due XXXX XXXX, 2016. I can make my regular payment and a little more on top of regular payment but like I explained to the Relationship Manager it would be very difficult to make this payment. I 'm XXXX XXXX XXXX and my wife and I ca n't retire due to all the stress on our mortgage issues with lender. My lender never once told us about programs that were available to loans under water, We get collection calls all hours of days and weekend to. My lender did work with me on repayment plan to a certain point then I got contacted by different relationship Managers regarding plan half could not even speak very good XXXX hard to understand. We have been promised, lied to, mislead, had to sign incomplete documents, Our last loan modification was a backed up in the corner kind of signing we had no choice at the time. And on top of all this the stress it has caused my family and myself. And I recently was contacted by a company who said they work with my lender and offered me a Mortgage Restructuring & Streamline Program that was fully approved by my lenders Negotiator name is included to and the making home affordable program which I had to sign within 24 hours would drop my payment to {$860.00} and 2 % rate for XXXX payments of {$1200.00} total {$3800.00} which my lender is requesting. Now I know this is a scam and I have contacted my lender with no response at all. I have had to file chapter XXXX and XXXX bankruptcy 2 times over the years in order to keep my home. Been charged all sorts of fees and late charges, down payments by my lender I think they are scamming me again with all the charges listed above for the repayment plan where does it stop!