Mortgage servicer proceeds with foreclosure while a loan modification is still being processed
A homeowner reports their mortgage servicer, Onity, continuing foreclosure proceedings despite an active loan modification request, in apparent violation of dual-tracking rules meant to prevent this exact scenario.
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Similar Problems
surfaced semanticallyMortgage servicer declares loss-mitigation file incomplete after giving flawed guidance
A borrower in loss mitigation followed instructions given directly by their mortgage servicer, only for the servicer to later declare the file incomplete and refer the loan to foreclosure, despite the borrower's good-faith compliance with the guidance provided.
Mortgage Servicers Proceed with Foreclosure During Active Short Sale Review
Homeowners who submit complete short sale or alternative resolution packages face foreclosure proceedings that continue in parallel without any mandatory hold, despite good-faith compliance. Servicers lack or refuse to apply a binding review-period stay, leaving borrowers unable to stop a sale they have actively tried to avoid. The absence of enforceable timeline alignment between loss mitigation review and foreclosure sale scheduling causes irreversible harm.
Mortgage Servicer Threatens Foreclosure Despite Documented Hardship Forbearance
A borrower in an FHA hardship program reports their mortgage servicer refused all hardship options and verbally threatened default and foreclosure if a trial payment was missed, despite active hardship documentation. This reflects a broader pattern where mortgage servicers fail to honor federally mandated hardship protections, leaving borrowers with little recourse or proof of misconduct.
Mortgage Servicer Communication Failures Lead to Missed Payments and False Defaults
Ocwen mortgage servicer puts customers through a runaround that results in missed payment records and default notices even when customers diligently follow up. Servicer communication breakdowns are a systemic problem that creates false delinquency and credit damage for borrowers.
Mortgage servicer cites unspecified modification limit with no further detail
A borrower struggling to pay their mortgage reports being told they exceeded an allowed number of loan modifications, but the complaint provides no further detail on the servicer, terms, or what recourse was sought. Too thin to extract a specific actionable problem.
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