Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WI)

Please be aware that I filed a similar report with the XXXX Department of Consumer Affairs, my contact person is : XXXX XXXX State of XXXX-Department of Financial InstitutionsXXXX XXXX My complaint is as follows My wife and I filed Chapter XXXX bankruptcy in XXXX of XXXX which included back mortgage payments due Property Mortgage Services. In XXXX of XXXX we relocated to XXXX and left the house in charge of our daughter who was supposed to make and keep the mortgage current ; however, she came upon hard times and fell behind. In XXXX of XXXX my daughter was informed by a processor that she would have to vacate the premises or be sat out on the street. Soon after that we received a court document informing us that we had 60 days to appear in court to try and save our property from foreclosure. I had a fairly good job at that time in XXXX and had no intentions of returning to XXXX so I ignored the summons and figured that they would just take the house. Because of extreme XXXX I had to return to XXXX and moved in with family never bothering or having any concern pertaining to the house because in our mind we did not own it. In fact, at that time the house had been boarded up by the city. In XXXX we relocated to XXXX and moved with family and as usual whenever we moved we filed change of address with the Postal service so we could always receive our mail. In XXXX we were still living in XXXX and we received a letter from XXXX city or county informing us that we still owned the property and that the county had a tax lien on the property. We immediately contacted the County and made arrangements to pay XXXX dollars a month in order to keep the house from going back into foreclosure. Also in XXXX we received a one-time payment from Litton Loan Services stating they were paying part of a civil suit, this confused me because we had never signed on with this company in the past and had no knowledge of them. In the XX/XX/XXXX we started cleaning out the property and getting ready to renovate, the house had very bad XXXX infection and had to be completely gutted top to bottom. All walls, ceilings, doors baseboards, etc., had to be removed and thrown away and the remaining structure had to be scrubbed from the basement to the roof. All eletical had to be redone as well as a new roof put on plus instillation. In XXXX my wife and a friend started putting up drywall, I could not help much because of my age ( XXXX ) and illness. Finally, in XXXX of this year we moved in although the house is far from being completed. We live on about XXXX dollars a month and were paying a {$1000.00} rent per-month in XXXX so we just decided to move in no matter what the conditions. Soon after moving in we received a letter from Ocwen Loan Servicing , LLC stating that they had acquired the loan in XXXX XXXX, XXXX and wanted payment in full or else the property. I told them that if I indeed owed them I was willing to resume payments on the mortgage ; however, I question why they never sold the property in the last 5 years that they had it. I also asked that they modify the loan to a fixed mortgage because of my finical situation but to no avail. As I stated from the top the state has intervened but they have no power. Ocwen continues to try and confuse me by insisting and threating me from some of their agents while at the same time offering to talk about different alternatives but when I engage conversation with them it always end up with them saying payment in full or property. If indeed we owe these people we are willing to make arrangement to make monthly mortgage payment ; however, I feel they never they never contacted us in five years for payment and they can not say we received their mail because we receive everyone else 's commun