Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I attempted to have my mortgage that is currently serviced by OCWEN. When initially starting the modification request, I asked if I decided to not do the modification once approved, that it would not effect my credit and I was assured it would not. I proceeded with the process, and was approved for the trial modification period. I asked what the terms of the modification were, and I was told that I had to make all XXXX trial payments prior to the actual terms of the modification being sent to me. I once again asked " if I decide to not accept the modification will it effect my credit? ", once again I was assured it would not. I completed the XXXX trial payments and received the terms of the modification as there was {$5000.00} added to my current mortgage balance that could not be explained, and when I asked for documentation showing what was comprised of the {$5000.00}, I was told that I would have to submit a request to the research department and they would mail me the documentation in 30 days, which was beyond the date the modification needed to be accepted. I declined the modification as I felt the slightly lower payment and interest rate, but undocumented {$5000.00} addittion in principal balance and balloon payment, were not in my best interest. I received a statement for XXXX stating the balance due was {$4500.00} to bring the mortgage current, which I expected as the modification payments were smaller than the original payments. I made a payment of {$3600.00} on XXXX XXXX, and attempted to pay the remaining {$1000.00} on the OCWEN website on the evening of XXXX XXXX. The website would not allow me to make a payment on my loan. I called OCWEN on XXXX XXXX, to make the payment and I was told that my payment from XXXX was due in the amount of {$800.00} ( Approxament amount as I did not right it down ). I asked what had happen to my payment of {$3600.00}, and after the representative did some researching, I was told that, the payment had been returned as it was not for the full amount of {$4500.00}, and that I was over 90 days late, and because now it was XXXX XXXX, I was 120 Days late on my mortgage and {$5600.00} was due. I was dumbfounded as to why a customer who had just completed a trial modification, and rejected a horrible modification, receives a bill for XXXX XXXX, and attempts to make the payment as required with 30 days, has his payment rejected and is being reported as 120 days late to the credit bureaus. I asked for the issue to be escalated, and it was. The next person I spoke with stated they would take a certified payment that I would incurr more fees in providing it to them and then she would send a request up to the credit reporting department to see if they would provide me a one-time courtesy, but no guarantee that this would be corrected. I stated that I was willing to make the payment but not until I was guaranteed to have the credit reporting corrected to not show any late payments as everything was being paid as billed and within the proper time. I threatened to contact the CFPB and/or an attorney. They really did n't care, and told me to call them back to let them know what I was going to do. 

All I ask is that I be able to continue to make my payments with no negative credit reporting. I was told twice in this process, that my credit would not suffer if I opted to not do the modification. I made the payments that were required of me, when the statements were sent, and I am asking that you help facilitate the common sense that has not been shown by OCWEN, in reporting that payments were on time and have not been late. If this is not resolved, if the CFPB can recommend some attorney 's that have an expertise in this feild I would greatly appreciate it. Any other recomendations are also appreciated.