Consumer complaint received 2016-03-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

I submit this complaint due to the unfairness, misrepresentation and confusion surrounding loan modification requests and the ability to keep my property. Specifically, I was served with a MORTGAGE FORECLOSURE SUMMONS from Ocwen Loan Servicing on XXXX after completing XXXX Trial Period Payments : 3 months in XXXX and 4 months in XXXX. 

History : I applied for a mortgage modification on my own in XXXX, was granted Temporary Trial payments for 3 months after being TOLD to skip the month of XXXX XXXX and to wait for PERMANENT MODIFICATION DOCUMENTS to come in the mail. After waiting more than the required 3 months, I finally received a SUBORDINATE MORTGAGE AND SUBORDINATE NOTE in XXXX XXXX which had to be notarized. On XXXX XXXX, XXXX, I learned the documents from XXXX were subsequently filed with the RECORDER OF DEEDS FOR XXXX XXXX. I was notified via email sent to my inbox from the XXXX. 

In, XXXX XXXX, while still waiting for PERMANENT MODIFICATION documents to come in the mail and finally learning from a Relationship Manager that I was never approved for a PERMANENT MODIFICATION, only a PARTIAL CLAIM, I decided to enlist the aid of XXXX, the Neighborhood Assistance XXXX XXXX XXXX XXXX certified HUD XXXX XXXX and advocacy organization ). I needed someone more knowledgeable about my needs to try to get a more permanent solution in order to keep my home. With the assistance of XXXX, on XXXX XXXX, XXXX, I was finally approved for a HAMP Modification Restructure. An approval letter was submitted to the representatives at XXXX. My case file on XXXX 's website listed a total restructuring of my mortgage : lower interest and monthly payments for 360 months. XXXX representatives told me to wait on the receipt of permanent modification documents to come in the mail. On the same day, I spoke with an Ocwen Advocacy Team Member, XXXX XXXX, ID # XXXX. I was told I was approved for a GOVERNMENT HAMP MODIFICATION governed by XXXX XXXX but not an Ocwen type Modification. I was given the exact same terms presented to XXXX and was told to wait on the PERMANENT MODIFICATION documents to come in the mail. In the meantime, I received papers approving a XXXX Trial Period Payment Plan for 4 months. I made those payments. 

On XXXX, I received a letter from Ocwen stating a review of my loss mitigation application and financial information was performed and unfortunately I am denied a HAMP Modicfication. A notification was sent to XXXX from Ocwen stating, " We are unable to offer you a Home Affordable Modification because : The owner and/or insurer of your loan allows only XXXX modification every 24 months. Please note, not all eligibility factors were evaluated. XXXX had a partial claim completed in XXXX, unable to offer another Modification /partial claim as loan was modified/partial claim within last 24 months ''. I had been approved in XXXX XXXX, told to wait for documents in the mail, patiently waited, and 4 months later, on XXXX XXXX, XXXX was told I never should have gotten the modification. ( HUH? ) XXXX XXXX, Ocwen stopped accepting XXXX payments and demanded over {$6000.00} to reinstate my mortgage, closed case # XXXX with the XXXX gave me a Short-Sale option. In addition, Ocwen mortgage website indicated {$0.00} due and next payment due XXXX. My mortgage ESCALATED over night XXXX XXXX? ) XXXX, I 'm served a foreclosure notice. 

XXXX, I visited another certified Housing Counselor, the XXXX XXXX XXXX who initiated yet a XXXX Modification request but on XXXX, was denied for ANY type of modification assistance. 

After being served, I filed an Appearance and Answer to the foreclosure notice. I 'm due in court XXXX. How do I proceed? Ocwen and its representatives only confuse me when they say one thing but I receive another in the mail. It 's unfair. Please advise.