Consumer complaint received 2015-06-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

Our mortgage was at one time held by GMAC Mortgage Co. but before they closed their doors for good they sold contracts thru out lending companies. Unfortunately, with no knowledge to us and or even given a choice as to what company was a preference, our mortgage was sold to Ocwen. Which if we were given a choice Ocwen would NOT have even been considered. Since Ocwen has had our mortgage there has been nothing but problems. Ocwen is absolutely horrible, unprofessional to their clients, unorganized and deceiving/ dishonest. I do n't care how long they have been around ( which I have no idea ), they should have no right ( s ) to hold mortgages. Thru the past several years I have had to call Ocwen due to various notifications sent to us by way of U.S. Mail by them. I eventually had to start keeping a " ledger '' because of their incompetence in getting straight truthful answers from them. Not to mention having an extremely hard time understanding them. On numerous occasions they claimed we were late on a payment, trying to charge us a late fee, only then calling them and confronting them on the issue they would act like they are listening, then let you know they were going to put you hold, then come back and inform you there had been a technical error and all charges would be dropped. Please note that until recently ( XX/XX/XXXX ) we had NEVER been late on a house payment, no matter who held our mortgage. Also we have an escrow added onto our mortgage to cover taxes and insurance, yet sometime back Ocwen sent us a notice claiming we needed to pay our taxes to keep from putting our mortgage in jeopardy. When I called them, there response was again being a technical error and reassured us that all would be taken care of. Needless to say I have had to call Ocwen on the average of XXXX to XXXX times yearly ( since they have held our mortgage ) because of their technical errors. In the month of XX/XX/XXXX, Ocwen sent us a notice that we had not even made a payment for that month. I was now furious, called Ocwen not just to question where the payment was because I paid it on line with a confirmation number but I demanded something be done because I did not want there incompetence showing up on my husbands credit report!!!!!!! And AGAIN, it did show that payment was made and according to Ocwen it was either an oversight of the person registering payments and or a technical error!!! Most recently we are experiencing a major difficulty with Ocwen, more so than any other time, to the point of possibly having to lose our home of 30 years. When we asked for help and to inform them that there was no way possibly we could afford the " new '' payment increase of {$300.00} more per month, which we were only given a 3 1/2 week notice of said increase , Ocwen has been little help, they have denied our modification that we filled out and sent back to them, they have refused to accept at least XXXX of the new payment ( which is the same full amount of payment we made for the prior month ) to show it as good faith on our part to try and keep our home and until matters could be resolved. We were assigned a representative manager with appointed dates for phone conference but have yet to speak to HIM. The most recent rep informed me, when I asked if they could possibly help us refinance, I was told " NO '' because they do not offer that because they are a " loan service company '' and not a mortgage company. I then asked as to why they have the rights to hold our mortgage!!!! I could go on and on as to Ocwens inabilities, and I DO have dates, names and badge numbers as to times I have had to call Ocwen. This company shows no remorse as to the hardships of their clients, in fact I DO KNOW of XXXX other couples that have ended up losing their home because of Ocwen and having similar experiences/ hardships as we are experiencing. I now pray for the day that Ocwen has to pay for their actions!!!!!!