Consumer complaint received 2016-02-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AL)

I have had trouble from my mortgage from the get-go. I was forced into a mortgage with a refinance of 2 years with a prepayment penalty lasting 3. It cost me my equity. I really needed the money to fix the damaged home I was sold ( a Realtor vouched for it and I bought it sight unseen ( never again! ) This was INDYMAC Bank. Finally after an attempted ( and found to be illegal ) foreclosure a few years later after a near-fatal car accident that cost me my only vehicle and with NO compensation added to their repeated " loss of paperwork '' jive for a loan modification the government stepped in and created XXXX INDYMAC 's new company. We got our modification and everything was ok. Then out of the blue we find out our property is actually XXXX XXXX XXXX ( we bought the property that said it was XXXX XXXX XXXX ). We have tried for years to change everything but the utilities and now OCWEN ( New Co mpany spelled backwards ) refuse to make the change. Then we get our mortgage sold to OCWEN a debt collector located in XXXX, XXXX. We were fighting with our insurance XXXX who dropped us after 10 years of denied requests for fixing our home that was severely damaged in XXXX and the various other weather phenomena here in Alabama. While fighting with them, OCWEN gave us forced insurance with a company they created ( XXXX ) and raised our mortgage well beyond my ability to pay. Now we are several months behind ; the last payment I sent in XXXX of 2015 of {$250.00} they wo n't put in my account because it was supposed to be {$280.00} which is sadly too much for me. Evey time it rains my house floods. My home repairs and high utlities ( heaters, dehumidifier etc ) takes most of my {$730.00} just to keep it going. I have XXXX children and support them and my XXXX ( XXXX ) wife who does have papers saying she could work if there were no people around. There are no jobs like that here in XXXX. I am on SSI for XXXX XXXX so even that small amount would have cost me the money for the repairs I must attempt on my own and am still paying off. I applied for a loan modification in 2015 that is still being dragged out with : '' need additional information '' :, but they never tell me what I need. At this rate my home will not be able to be saved as they reuse to cooperate and continue to use INDYMAC '' S number to harass me all hours of the day and night costing me time on my government phone. In the beginning they called me from another number, but since this process started ( loan mod ) they are using INDYMAC 'S number to call all day long and often after XXXX 7 days a week. Even if they are a debt collector they still have laws to follow and I am not seeing any of this being done. They send me tons of paperwork stating the same thing, but nothing as to what I lack to use their insurance to help with the repairs ( the insurance is still in the payments and OCWEN did say I could make a claim ). I am so lost. My wife 's wedding present home of almost 12 years is on the line, it 's now a wreck and my utilities are high because of it. I have given them everything I have. I am worried about them being a foreign company with all of my information. This is an unsettled world we live in and having my info out there ( I got a call from a representative I traced to XXXX and the rep had my social security number and everything on his phone and you could hear he was on an open street with lots of foreign-speaking passerby 's that could possible have seen my info on his phone. After that scary call my wife disconnected our home phone and she lives in fear of any problem that may arise from my very private and personal info being so public. I have no idea what to do. My house is wrecked, I have this company acting shady, and I can not afford to move or even pay what goes for rent nowadays. If my house was in good shape I could afford $ XXXX- $ XXXX/month for mortgage.