Consumer complaint received 2017-06-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

I started paperwork for a modification with Ocwen Loan Servicing XX/XX/XXXX. At that time I was paying 5.5 % with notes apprx. {$1400.00} per month. The goal was to get under 4 %. I was approved for a 3 month trial in XX/XX/XXXX and structured to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at a reduced payment ( which would be very close to final payment, escrow included once trial was over ). That payment is {$1000.00} and I paid the 3 month trial. During that time the so-called relationship mangers assigned to me stood me up, which is terrible since I am a XXXX old senior and I made sure to be by the phone, even skipping several Dr. appointments and rescheduling some for not. After the completion of the three months, ( screenshots attached ) I was approved for a " permanent modification ''. I saw that throughout XX/XX/XXXX and until today. The note follows when I log into my Ocwen account I should be watching my mail for the final package. Never showed, instead I get a call from a very rude XXXX XXXX out of XXXX, Tx stating the Quit claim deed and deed copy on file were not enough and I needed to get my ex spouse ( whom I have n't seen in 5 years ) to sign and get notarized a special warranty deed. I had, and have documentation that this modification was indeed fine on my signature alone and I asked this long before all this began and during the early stages of the process. I did not know Ocwen was under such scrutiny for misconduct and unfair behavior to customers when I started this. I had already had a belly full of their harassment and lies including bushels of mail over the years and calls for my ex spouse, and that ran a few of my potential new fianc/partners away!!! My present potential new partner/ fianc is scared to death! She was planning on selling her home and making a life with me at my address. They promised me, and I have the email in XX/XX/XXXX that they would cease to mail anything with her name on it to my home. I understood her name would remain on the debt/loan but I was n't going to be responsible for getting her mail to her via sent to me. Ridiculous. That lasted maybe 3 months and the flood of mail with her name started again and continues today. It 's a shame they kick people around like this, I have had to increase my XXXX XXXX meds and live in fear with the lack of trust in anything they say. They refused to give me the title company full name and contact. They said " We can only tell you XXXX XXXX '', quote. I called XXXX XXXX XXXX and spoke with a ranking official for 30 minutes who could not locate anything on me or my address, but did state during her 15 years in the business I should be entitled to the title companies " XXXX XXXX '' and contact info. I emailed Ocwen and replied sending me a copy of the original title when I closed on my home in XX/XX/XXXX. I advised I needed the current info. No response, except then I get a letter ( attached ) stating my request if vague or whatever I wanted was unclear, this datedXX/XX/XXXX, and my modification was approved for permanent and just give them time to send the paperwork to me. So, see my point. I have addressed this to the BBB, which has almost 2,000 complaints on Ocwen already and have assigned them a rating of " F ''. Terrible!!!