Consumer complaint received 2016-07-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I have been working with Ocwen for over a year trying to get a short sale approved. My husband and I have separated and are divorcing so we are unable to keep the house. We also have a buyer for the house who has been hanging in there with us for the entire time. There are XXXX people on the loan, me, my husband, my husband 's son and my husband 's friend ; however, my husband and I were the only ones paying the mortgage. The other XXXX have been unemployed for several years. We have worked with Ocwen in good faith providing all of the documentation they have requested. We 've provided financial documents, a separation agreement, pay stubs, Social Security documentation, etc. Ocwen keeps telling us that FHA is denying our short sale requests. According to Ocwen, FHA has denied our request three times. Ocwen has given bogus reasons for the denials such as FHA wants the entire amount owed on the home which is ridiculous since we are underwater ; we 're not maintaining the home ( we are maintaining the home and we can provide proof of our utility payments, and we cut the grass ) ; since there are XXXX people on the loan why ca n't the other XXXX pay, ( XXXX of the XXXX is XXXX and the other just started working and does n't make enough money ) ; we 're not living in the home, etc. All of the excuses we 've received have come from Ocwen. We do n't have anything in writing from FHA, so Ocwen can and has been telling us what they want. I have previously contacted the XXXX but that did n't accomplish anything and last week, I contacted the XXXX XXXX XXXX XXXX XXXX. I have a ticket number and a representative that was assigned to my case. When I spoke to her, she was puzzled as to why we 're being denied and stated that she would send a message to Ocwen asking them why they are denying our short sale request. I informed her that all along Ocwen has been telling us that FHA is denying the short sale. She explained that FHA is the insurer and the short sale has to go through XXXX but Ocwen makes the decision. She also indicated that she only saw where the short sale request was submitted once. I do n't know whether or not Ocwen has responded to her inquiry. She indicated that she would call me when she received a response. I will call her tomorrow to check. 
XXXX has been working with us to get this approved and and we have a point of contact. She has become increasingly frustrated with Ocwen. When she calls she has been unable to talk to a manager, she gets transferred all around, there is a language barrier that makes communication difficult, messages are n't returned, etc. She had a teleconference scheduled with Ocwen last week with our relationship manager, however, when Ocwen called her, it was a regular customer service representative who had no knowledge of anything. Ocwen keeps giving us the run around. 
We just found out last week that Ocwen has scheduled our foreclosure for XXXX XXXX, 2016. I do n't think Ocwen has sent us anything in writing informing us of the foreclosure date. I think we found out from our XXXX XXXX. 

Again, we have been trying to get a short sale approved for over a year. Our buyer even raised her offer price to match the appraisal amount. After their appraisal, Ocwen told me that FHA said that the home needed {$30000.00} worth of work. I challenged that and asked for a copy of the appraisal and Ocwen told me that I could n't get a copy. They said that FHA had paid for it and I could n't get a copy and if I wanted to challenge the appraisal, I had to pay for XXXX. Ocwen provides poor service and misleads them with false information. They do not work in good faith with consumers. Please help us.