Consumer complaint received 2017-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

XXXX XXXX purchased our first home together in XX/XX/XXXX. At that the time we were XXXX years old. We were offered two loans on the mortgage by Option One Mortgage. The first was at {$200000.00} at an interest rate of 8.6 % and a Second of {$50000.00} at 13.5 %. Prior to the purchase of our current home, we were renting a four bed room house with the hope of purchase. We discovered that the the owner set the price beyond our budget. Because my Mother who XXXX XXXX and XXXX son with XXXX XXXX lived with us, we need to find a house right away. We rushed into this house and later discovered that the house was overpriced, had major structural issues and had an interest only. Due to financial reversals, we got behind in mortgage applied for a modification. On XX/XX/XXXX, we were granted a Shared Appreciation Modification ( SAM ). After making several payments, our sources of income were interrupted again. After hearing about predatory mortgages, I heard about robo signing and other predatory practices that affected senior citizens, minorities and economically challenged individuals. In response to this possibility, we wrote a RESPA Qualified Request, Complaint of Debt and Validation of Debt Letter, TILA Request ( XX/XX/XXXX ). Since that time, my position as an XXXX XXXX XXXX ended ( the XXXX closed ). Our income from XXXX XXXX XXXX  ended because we house a daughter who has XXXX. We are now confronted with a Foreclosure Sale Date of XX/XX/XXXX agt XXXX in XXXX XXXX, VA. Because XXXX XXXX and I serve XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX via our XXXX XXXX XXXX XXXX XXXX XXXX XXXX , we applied for another loan modification that would included XXXX XXXX XXXX XXXX with Corporate Social Responsibility in mind. I have made several appeals to XXXX XXXX XXXX, CEO of Ocwen. He referred me to the Ombudsman. Although, a foreclosure date is scheduled for XX/XX/XXXX, I received a letter from XXXX XXXX, Account Analyst, Consumer Ombudsman, Office of the Consumer Ombudsman on XX/XX/XXXX stating that the office will review the issues raised with the foal of providing a written response by XX/XX/XXXX. By the Grace of God, we were given hope, when XXXX XXXX happened to hear about the Complaint, Case No. XXXX against XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/Ocwen Loan Servicing, LLC . In faith and with hope, we submitted a request to Ocwen for the " Prayer for Relief '' as stipulated under Count XIV, Ocwen 's Violations of the HPA. We pray that as XXXX XXXX and senior citizens who serve the community will be granted favor so that we can continue to fulfill the mission of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We are of the belief if the current President was save from bank loans being called ( because of the value of the " Trump Brand '' ) and XXXX XXXX firms were bailed out to save the economy from default, the XXXX are worthy of " Relief '' or " Mortgage Forgiveness '' for the sake of continued uninterrupted service to disadvantaged famlies and give them hope for a better life. Thank you for your help and God 's Great Grace on you as advocates for the people of the United States of America. In God we Trust. Amen!