Consumer complaint received 2016-01-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have been trying to negotiate with OCWEN mortgage since XXXX 2015. I sent my paper work several times via email and via fax. The company kept giving me the run around ; arranging telephone appointments with my RELATIONSHIP MANAGER, in order to be able to discuss my situation and the possibility to QUALIFY FOR A PRINCIPAL REDUCTION AS WELL AS TO AVOID MY MORTGAGE PAYMENT TO INCREASE FROM {$1.00} TO {$2.00} XX/XX/XXXX. 
I STATED " I AM BEING PROACTIVE HERE ; I 'M TRYING TO PREVENT DEFAULTING AND I NEED YOUR HELP BEFORE XXXX 2015 ; YOU ARE TAKING TOO LONG TO WORK ON THIS AND COMES XX/XX/XXXX IT WOULD BE TOO LATE FOR ME. I WANT TO PREVENT GETTING TO THAT POINT '' 1- They kept telling me that my payment did not arrive, though I sent it 4 times via fax and via email. First they did n't receive it, then they only got my Tax papers, the following time they did not have it again, next they needed a signature on my taxes, which they received in XX/XX/XXXX but did not realized that the signature was on the wrong place. They used every excuse on the book so the process took forever. 
2- There was a phone appointment arranged about every 10 to 15 days, " ACCORDING TO THEIR SCHEDULE '', but every time the call took place I was never able to speak with my Relationship Mgr ... .. '' she was never available ''. 
3- I spoke with different people each time, " none of them new a thing about my case and would put me on hold in order to review my case '' ; obviously no one was working on my case. 
4- I got the same response each time, either we do n't have this or that, and we will schedule a call with your RS MGr. 
5- Finally I was given a definite answer on XX/XX/2015. IT HAD BEEN DECIDED THAT I DO NOT QUALIFY FOR A MODIFICATION OF ANY KIND ; NOR FOR A PRINCIPLE REDUCTION EITHER. 
PLEASE KEEP IN MIND : 1- When I got the house it was {$370.00}, after making big payments for a few years, the prices dropped. My interest rate was going to be higher, so I did a modification at that time my mortgage had been sold a few times to different banks, and I was making my payments to XXXX XXXX. After the modification negotiated with XXXX my monthly payment went down to about {$1.00} a month because the interest rate was re-negotiated to 2.5 % or so ... ... .However, I did not realized at the time that with the MODIFICATION THE TOTAL HOUSE BILL JUMPED FROM {$370.00} TO {$440.00}. The I WAS SET UP FOR IMMEDIATE FAILURE ; THOUGH, I DID NOT KNOW IT. I WAS JUST HAPPY THAT THE INTEREST AND THE PAYMENT WENT DOWN. 
THE WAY I SEE IT I ALREADY PAID MORE THAN {$250.00} FOR THIS HOUSE. 
I HAVE BEEN MAKING MY PAYMENTS RELIGIOUSLY BUT THE BILL DOES NOT GO DOWN EVER ... .IT CONTINUOUS BEING THE SAME {$440.00} ; STILL THE BANK WANTS ME TO PAY {$440.00} MORE .... 
HOW IS THAT POSSIBLE I ASK. 
PLEASE HELP. 
I want to file a formal complaint to the ATTORNEY GENERAL OFFICE, I want to report Ocwen for : 1- not following the rules, and for neglecting to help me avoid defaulting 2- Sending False Default letters, though I have not defaulted 3- Failing to allocate my payments accordingly for the last 4 months, ad finding excuses to say that my payment is late. " OCWEN TAKES THE MONEY DIRECTLY OUT OF MY BANK EVERY MONTH. 
4-FAILING TO HELP ME PREVENT DEFAULTING ON MY PAYMENTS, WHEN I HAVE VEEN PROACTIVE AND HAVE TRIED TO SPEAK WITH THE BANK AND RE-NEGOCIATE MY LOAN 5- FAILING TO ACKNOWLEDGE THE FACT THAT I HAVE BEEN MAKING FOR THIS HOUSE FOR OVER 10 YEARS, AND THAT I STATED OVER AND OVER THAT " I WANT TO KEEP MY HOUSE ' 6- SENDING FORCLOSURE NOTICES WITHOUT WAITING THE 120 DAYS. 
PLEASE HELP ME.