Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I have been working with Ocwen Mortgage Company, XXXX, PHH Mortgage company since XXXX, since The Great Flood of XXXX, in XXXX XXXX, Louisiana. I was not offered any Disaster Assistance, nor was I offered any Hardship Assistance, No assistance. I was told that The Loan Servicer, sympathized with our family, but that my ex husband, XXXX XXXX XXXX had signed a borrower contract. However, my ex husband refinanced the house in XXXX, we purchased the home in XXXX of XXXX, this was XXXX XXXX years ago. I separated from my husband in XX/XX/XXXX, I obtained three jobs, to support my family of XXXX children, whom XXXX of the XXXX children were born premature. However, my first born daughter was born at XXXX months, birth weight XXXX pounds XXXX ounces, my second born premature, born at XXXX months birth weight XXXX pounds XXXX ounces, third born, born at XXXX months, birth weight XXXX pounds XXXX ounces, I found out that I had a incompetent XXXX, I could not hold my babies, XXXX XXXX, and finally, I had never been so thrilled, to finally carry a baby, to full term, once I was finally diagnosed with an incompetent cervix, remedy, I had to undergo sever XXXX. Finally, my last born was born at XXXX months, weighing in at XXXX pounds XXXX ounces. I worked, to provide for my children, that is the reason, WHY, AFTER THE FLOOD, I, CONTINUED TO MAKE MY MONTHLY PAYMENTS, KNOWING THAT I, WE DID NOT HAVE FLOOD INSURANCE. I was forced to file for Chapter XXXX Bankruptcy XXXX, trying to save our family home. I did not want to file for chapter XXXX Bankruptcy Protection, but my Loan Servicer, constantly LIED, THEY DELIBERATELY, TOLD ME THAT, there was nothing that my family or I could do, I finally had to contact the XXXX OF LOUISIANA, I was told that I had been LIED TO. I TOLD THE XXXX, how I was injured on my job, how I paid over XXXX XXXX dollars, for a house that was deemed unlivable, because of the Structural Integrity of the roof collapsing, infestation of XXXX mold, mildew, and termites, I notified Ocwen Mortgage Company, now NewRez/PHH Mortgage, I was told that unfortunately nothing could be done, I was told on several occasions, that because my ex husband XXXX, was the primary borrower, that I could not do anything LEGALLY IN MY POWER, I WAS FORCED TO FILE FOR CHAPTER XXXX BANKRUPTCY PROTECTION ON XX/XX/XXXX. I WAS BACKED INTO A CORNER, BY ALL PARTIES MENTIONED EARLIER. I was told by THE THIRST FOR JUSTICE PROGRAM, that I needed to try to call the above parties mentioned, because they were not being truthful, about me being able to qualify for a HARDSHIP, OR DISASTER ASSISTANCE PROGRAM, BECAUSE LEGALLY I OWN XXXX PERCENT OF THE PROPERTY. I have spoken to XXXX XX/XX/XXXX, XXXX with the home Affordable Modification Program, called again on XX/XX/XXXX, called again on XX/XX/XXXX representative ID XXXX. Deceptive Act and Practices false, misleading and inaccurate statements. Therefore, all of the above mentioned Mortgage Companies have deliberately misled my family about everything that we have asked for help on, I am constantly reminded by the above mentioned companies that they take accusations very seriously, well, undoubtedly, you do not, I even asked, for XXXX, XXXX, amongst others, to not contact me, or to not even work on my disputes, I was totally ignored, they continued to not only work on my case, but the DECEPTIVE, MISLEADING CLAIMS WAS NEVER LOOKED INTO, UNTIL, I REACHED OUT ON SOCIAL MEDIA, THEN I WAS ASKED TO DIRECT MESSAGE OCWEN, OCWEN, DID NOT WANT SOCIAL MEDIA TO READ MY COMPLAINT. I was also LIED TO ABOUT, only my ex husband, could file for loan modification, or bankruptcy, I was told by several ATTORNEYS, that I owned XXXX percent of the property, I have also noticed that each time, I submit a complaint, that Ocwen, XXXXPHH Mortgage company, always responds before they even do any research. I was also told that I have several RESPA letters, that have not been addressed, I have further contacted XXXX XXXX XXXX, about my hardship experiences, that I have been experiencing since THE FLOOD OF XXXX, this was before the Pandemic, I was contacted by XXXX, TO DO A STORY, HOW I AM STILL OUT OF OUR FLOODED HOUSE XXXX YEARS AND XXXX MONTHS. THEREFORE, I can bring my story, our story both DOMESTICALLY, AND NATIONALLY. I am going to submit DOCUMENTS AS EVIDENCE OF, PHH MORTGAGE, STILL ASSIGNING XXXX, AMONGST OTHER REPRESENTATIVES, AS MY CONSUMER OMBUDSMAN, I would like to also mention that I did not receive any of this paperwork, until I filed my last complaint on XX/XX/XXXX, XXXX all before PHH Mortgage, were not adhering to my RIGHTS AND THEIR RESPONSIBILITIES. I have ruined the little credit that I did have, by the LIES, DECEIT, THE WILLFUL OMISSION OF PERTINENT CONSUMER DIVISION OF FINANCIAL REGULATION, DID NOT FOLLOW PROTOCOL.