Consumer complaint received 2016-04-28
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (MO)

I still do n't understand what is going on with the payments I made to XXXX XXXX on my duplex at XXXX XXXX. The IRS form XXXX XXXX showed a balance of {$53000.00} and a market value of {$62000.00} when they foreclosed. I believe they were servicing a XXXX mortgage to which I had paid {$130000.00}. They sold my property for the XXXX remaining payments and their attorneys stated the value at the tax value of {$78000.00}. ( XXXX XXXX thought it was worth {$150000.00} ). The loan was current in XXXX when the returned 3 of my payments ( the last payment was accepted in XXXX and applied as the XXXX payment. We were offered at loan modification with a payment nearly double of the original amount. Our request for a modification extending the remaining months was denied 22 hours prior to the foreclosure. The application amount and three additional payments were also returned. 
The taxes and insurance were paid to date with {$600.00} insurance refunded to them. 
I HAD A CREDIT BALANCE. 
With the sale I paid {$190000.00} to this property. 
Furthermore the note required payments of {$360.00}. 
Through the foreclosure date I paid to XXXX XXXX {$62000.00}. 
{$32000.00} taxes and insurance paid over the life of the loan was added to the loan modification on my HOUSE. I want to know WHY! 
This amount also happens to be the exact amount of the XXXX payoff less the beginning escrow balance on XXXX properties. I made separate payments on the other property to XXXX. 
XXXX only acknowledges payments of {$15000.00} when in fact I paid them over {$130000.00} Between the XXXX properties on which XXXX XXXX was paying taxes and insurance I paid {$260000.00}. 
PLUS {$62000.00} sale AND the buyers XXXX mortgage of {$91000.00} was paid off at the same time XXXX XXXX XXXX released XXXX mortgage XXXX of which was released TWO times. In fact of XXXX mortgages released in XXXX XXXX XXXX were released for the second time. And at which time we had paid {$92.00} to the loan modification - on our house Apparently we paid {$220000.00} and a duplex for what would be 30 years of taxes and insurance on these XXXX properties. 
{$220000.00} + XXXX {$35000.00} XXXX release and {$14000.00} I paid to XXXX + {$15000.00} they say I paid and {$130000.00} I REALLY paid comes to {$360000.00}. with miscellaneous adjustments for payments to shortages it comes to {$350000.00}. 

XXXX XXXX {$360.00} x 92 payments at foreclosure is {$33000.00}. 
I paid {$62000.00} ( not counting {$69000.00} previously paid ). 
Means {$29000.00} was paid to the escrow account {$12000.00} disbursed. With the {$61000.00} sale + {$16000.00} escrow - {$53000.00} balance WHERE IS THE OTHER {$23000.00}? 
Foreclosure {$61000.00} pays off XXXX.+ {$30000.00}. + {$30000.00} to XXXX {$5700.00} to XXXX {$66000.00} + XXXX. + {$5400.00} ( paid to escrow in first trial ) WHAT IS GOING ON? 

{$130000.00} to duplex {$140000.00} to VA {$510000.00} to house ( {$840000.00} my estimate of total payments ) + duplex value and lost income I do n't owe {$270000.00} statement balance. 
They owe me more. 
{$560000.00} from XXXX I believe they OWE me {$280000.00} They should pay the {$150000.00} extra I paid for the duplex They should refund at least {$30000.00} to the VA loan I did n't add or refinance. 
I PAID IT OFF! 
reinstate {$120000.00} prepaid credit. 
Extinguish {$230000.00} escrow I do n't owe. 
Release lien. 

Release the lien on my house. 

I deserve more.