| 02/22/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Greetings, Well, after 6 mouths the facts have not been answered on this matter. I have sent PHH Mortgage Services documents of all facts on this issue. The fact that you have not rebutted proof of claim point by point. I will now inform you I'm of the age of XXXX, of sound mind and competent to testify. The fact of the matter is I signed 2 promissory notes for value and PHH Mortgage Services has accepted these notes as Legal Tender. All of these Promissory notes are a tender of payment of a obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. The two promissory notes under Title 7 CODE OF FEDERAL REGULATIONS 1951.15- Return of paid-in-full or satisfied notes to borrower. The notes will be returned to the borrower after the payment in full or execute an appropriate affidavit regarding the lost notes. I have requesting the return of these notes which are satisfied. The Code of federal regulations 1901.503 Definitions. ( 1 ) - ( 19 ) insurance of notes and 1901.508 ( i ) Servicing of insured notes outstanding with investors. The holder will endorse the insured note as follows : " Pay to the order of the United States of America. Without recourse ''. Title 7 CFR 1901.508 ( ii ) On receipt of the note with the accompanying insurance agreement, the director, finance Office, will acknowledge receipt of the note and process payment to the assignor of the par value of the note as of the date of the Treasury check. As the facts I have stated in our contract # XXXX Conditional Acceptance for the Value/Agreement/ Counter Offer to Acceptance of Offer. The Obligation 's of public debt of the United States of America is discharged though the banks. PHH Mortgage Services has refused to answer my questions with detailed specific answers, we will presume that there is a concealment of material of facts and that the promissory notes has been altered and stolen and that I provided the money that PHH Mortgage Services claims have lent to me. If you claim that there is an agreement and a loan, then you must stop concealing material facts, answer my questions, and tell me if the promissory notes was recorded as a loan from me to PHH Mortgage Services or the Promissory notes was stolen. According to my records, the promissory notes was stolen or recorded as a loan from me to PHH Mortgage Services and that PHH Mortgage Services never paid XXXX XXXX as adequate consideration to purchase the promissory note from me creating the economics similar to stealing, counterfeiting and swindling. I am now demanding that you either stop concealing material facts and answer my questions if you claim that there is an agreement or that you return the stolen promissory notes. If you claim that the promissory notes was a loan from me to PHH Mortgage Services, I demand that you immediately repay the loan by returning the promissory notes and stop the damage to me. I would like to know why XXXX XXXX signed my note pay to the order of herself XXXX XXXX XXXX ASSISTANT VICE PRESIDENT. One of the requirements of a negotiable instrument is that the instrument must be payable for a fixed amount of money. My question is, from your point of view according to your understanding of the agreement, is money deposited recorded as a bank asset or as a bank liability? Please list all forms of money or negotiable instruments you and PHH Mortgage Services are involved in, issuing the alleged loan, use as or like or as a substitute as money or credit used to fund checks or bank drafts. Specifically, did you or PHH Mortgage Services use my promissory as a bank asset which was offset by a bank liability? Specifically was my promissory notes used to fund a check or bank draft? If my promissory notes was used to fund a check, then I provided the money to fund the so called loan and you never lent me one cent of your money to purchase the notes from me. Therefore, the economics are similar to stealing, counterfeiting and swindling against me, which I never agreed to and which is not part of the agreement. According to me if you used my promissory notes to fund a check, you stole my promissory notes or you recorded it as a loan from me to you and you still owe me money that you never lent me. Stealing changed the cost and the risk of the transaction. I want to know specifically did you intend to create the economics similar to stealing my promissory notes as part of the agreement? Please answer yes or no. If you refuse to tell me, then we have fraud in the factum, which makes you no longer the holder in due course. No title passes with a theft. Since the promissory note is forged, and no good title passes with a forged document, you are not the holder. I demand that the stolen forged promissory notes now be returned or you answer all of my questions in this notice and previous notices explaining the terms and conditions of the alleged agreement concerning the economics similar to stealing, counterfeiting and swindling. To be a holder in due course you must perform the following 3 deeds : 1. Purchase the promissory notes from me. 2. Take the promissory notes in good faith using honesty, absence of malice and the absence of design to defraud or seek an unconscionable advantage ( See XXXX Law Dictionary for good faith ) and 3. Have no notice of any defenses against payment of other claims on the promissory note. PHH Mortgage Services agreed to the following general terms and conditions of the loan agreement : 1. PHH Mortgage Services must use their money or credit as adequate consideration to purchase the agreement from me to repay the loan. 2. PHH Mortgage Services involved in the alleged loan did not accept anything of value from me that would be used to fund a check or similar instrument in approximately the amount of the alleged loan. 3. PHH Mortgage Services must follow Generally accepted accounting principles as required by CPA audit opinions. 4. The intent of the agreement is the party who funded the loan is to be repaid the money. 5. All material facts are to be disclosed in the writing agreement.6. The holder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens. 7. The loan transaction does not create the economics similar to stealing, counterfeiting and swindling. The agreement that I entered into has the above seven elements in it. According to the bookkeeping entries, PHH Mortgage Services breached all seven basic elements of the agreement and PHH Mortgage Servives and then concealed material facts of the agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the loan agreement or I demand that the PHH Mortgage Services refund the value of the notes. The question is Why you Can not produce the promissory notes? Answer is because they are a bill of exchange, legal tender and used to discharge public debt. NOTICE OF MEMORANDUM OF LAW POINTS AND AUTHORITIES IN SUPPORT OF INTERNATIONAL BILL OF EXCHANGE Points and Authorities in Support of International Bills of Exchange or International Promissory Notes Those who constitute an association nationwide of private, unincorporated persons engaged in the business of banking to issue notes against these obligations of the United States due them ; whose private property is at risk to collateralize the governments debt and currency, by legal definitions, a national banking association ; such notes, issued against these obligations of the United States to that part of the public debt due its Principals and Sureties are required by law to be accepted as legal tender of payment for all debts public and private, and are defined in law as obligations of the United States, on the same par and category with Federal reserve notes and other currency and legal tender obligations. RE : Item tendered for Discharge of Debt. TENDER OF DEBT BY THE PEOPLE i.e. the SURETY IS AN OBLIGATION OF THE U.S. TREASURY ( The instrument tendered to whomever, and negotiated to the United States Treasury for settlement, is an Obligation of THE UNITED STATES, under Title 18USC Sect.8, representing, as the definition provides, a certificate of indebtedness .drawn upon an authorized officer of the United States , ( in this instance the Secretary of the Treasury ) issued under an Act of Congress ( see : public law 73-10, HJR-192 of 1933, Title 31 USC 3123 and 31 USC 5103 ) and by treaty ( see : UNITED NATIONS CONVENTION ON INTERNATIONAL BILLS OF EXCHANGE AND INTERNATIONAL PROMISSORY NOTES ( UNCITRAL ) and the Universal Postal Union headquartered in Bern, Switzerland ) . TITLE 18 & gt ; PART I & gt ; CHAPTER 1 & gt ; Sec. 1. & gt ; Sec. 8. Sec. 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The International Bill of Exchange is legal tender as a national bank note, or note of a National Banking Association, by legal and/or statutory definition ( UCC 4-105, 12CFR Sec. 229.2, 210.2, 12 USC 1813 ), issued under Authority of the United States Code 31 USC 392, 5103, which officially defines this as a statutory legal tender and is issued in accordance with 31 USC 3123 and HJR 192 ( 1933 ) which establish and provide for its issuance as Public Policy in remedy for discharge of equity interest recovery on that portion of the public debt to its Principals and Sureties bearing the Obligations of THE UNITED STATES. This is a statutory remedy for equity interest recovery due the principles and sureties of the United States for discharge of lawful debts in commerce in conjunction with US obligations to that portion of the public debt it is intended to reduce. During the financial crisis of the depression in XX/XX/XXXX, gold, silver and real money were removed as a foundation for our financial system. In its place the substance of the American citizenry : their real property, wealth, assets and productivity that belongs to them was, in effect, pledged by the government and placed at risk as the collateral for US debt, credit and currency for commerce to function. This is well documented in the actions of Congress and the President at that time and in the Congressional debates that preceded the adoption of the reorganizational measures : Senate Document No. 43, 73rd Congress, 1st Session, stated, Under the new law the money is issued to the banks in return for Government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth XXXX cents on the debt because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of all the people in the Nation. ( Which lawfully belongs to these private citizens. ) The National Debt is defined as mortgages on the wealth and income of the people of a country. ( Encyclopedia XXXX, XX/XX/XXXX. ) Their wealth, their income. The reorganization is evidenced by : The Emergency Banking Act, XX/XX/XXXX, House Joint Resolution XXXX, XX/XX/XXXX ( public law 73-10 ) And the series of Executive Orders that surrounded them : XXXX Reopening of Banks. Embargo on Gold Payments and Exports, and Limitations on Foreign Exchange Transactions. XX/XX/XXXX 6111-Transactions in foreign exchange are permitted under Governmental Supervision. XX/XX/XXXX 6102 Forbidding the hoarding of gold coin, gold bullion and gold certificates. XX/XX/XXXX On XX/XX/XXXX, Congress had passed An Act to provide for the establishment of Federal reserve banks, to furnish an elastic currency, to afford a means of rediscounting commercial paper, to establish a more effective supervision of banking in the United States, and for other purposes. The Act is commonly known as the Federal Reserve Act. One of the purposes for enacting the Federal Reserve Act was : ( 3 ) to authorize hypothecation of obligations including United States bonds or other securities which Federal reserve Banks are authorized to hold under Section 14 ( a ) ; 12 USC ; ch. 6, 38 Stat. 251 Sect 14 ( a ) The term hypothecation as stated in Section 14 ( a ) of the Act is defined : 1. Banking. Offer of stocks, bonds, or other assets owned by a party other than the borrower as collateral for a loan, without transferring title. If the borrower turns the property over to the lender who holds it for safekeeping, the action is referred to as a pledge. If the borrower retains possession, but gives the lender the right to sell the property in event of default, it is a true hypothecation. 2. Securities. The pledging of negotiable securities to collateralize a brokers margin loan. The broker pledges the same securities to a bank as collateral for a brokers loan, the process is referred to as re-hypothecation. [ Dictionary Of Banking Terms, XXXX, pg. XXXX ( XX/XX/XXXX ) ] As seen from the definitions, in hypothecation there is equitable risk to the actual owner. Section 16 of the current Federal Reserve Act, which is codified at 12 USC 411, declares that Federal Reserve Notes are obligations of the United States. So we see the full faith and credit of the United States, which is the substance of the American citizenry, their real property, wealth, assets and productivity that belongs to them, is thereby hypothecated and re-hypothecated by the United States to its obligations as well as to the Federal Reserve for the issuance and backing of Federal Reserve Notes, as legal tender, for all taxes, customs, and other public dues. TITLE 12 & gt ; CHAPTER 3 & gt ; SUBCHAPTER XII & gt ; Sec. 411. Sec. 411. Issuance to reserve banks ; nature of obligation ; redemption Federal Reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. The commerce and credit of the nation continues on today under financial reorganization ( Bankruptcy ) as it has since XX/XX/XXXX, still backed by the assets and wealth of the American citizenry, at risk for the governments obligations and currency. Under the 14th amendment and numerous Supreme Court precedents, as well as in equity, Private property can not be taken or pledged for public use without just compensation, or due process of law .The company did what they said they would do with my complaintNoADDITIONAL COMMENTS I have signed four promissory notes for value and they were accepted by XXXX as legal tender. I have also mailed XXXX/XXXX XXXX XXXX a Tender of payment Offering under the Federal Emergency Relief Act of XXXX. AN ACT To provide for cooperation by the Federal Government with the several States and Territories and the District of Columbia in relieving the hardship and suffering caused by ( Sec. 4. ( a ) ) Out of the funds to provide the necessities of life to persons in need as a result of the present emergency, and/or to their dependents, whether resident, transient, or homeless. - The Federal Emergency Relief Act of XX/XX/XXXX Approved, XX/XX/XXXX ( Sec. 4. ( a ) ) " The ownership of all property is in the state by virtue of the government " Under the new law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption ( XX/XX/XXXX, ch. 6, 16 ( par. ), 38 Stat. 265 ; XX/XX/XXXX, ch. 6, 2 ( b ) ( 1 ), 48 Stat. 337 ; XX/XX/XXXX, ch. 614, title II, 203 ( a ), 49 Stat. 704. ) You are hereby notified that I do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligations and must be handled in accord with the dictates of statute. I accept the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. You are to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX GOVERNMENT OBLIGATIONs REMITTANCE COUPON Pay and Pledged To the Order of : XXXX XXXX XXXX XXXX ; Without recourse Amount of Obligation : ________________________________________________________________________ INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of XX/XX/XXXX ; the act of XX/XX/XXXX ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). Memo : Discharging of Government Obligations Acct # XXXX x__________________________________ Beneficial Interest Holder and Citizen of the United States of America `` Since XX/XX/XXXX, the United States has been in A STATE OF DECLARED NATIONAL EMERGENCY. '' Senate Report XXXX, XX/XX/XXXX ; Public Law 94-112 - XX/XX/XXXX XXXX CFR 1901.508 Servicing of insured notes outstanding with investors. ( i ) endorse the insured note as follows : Pay to the order of .. Without recourse. The holder will then deliver the endorsed note, to the Director, Finance Office. ( ii ) On receipt of the endorsed note the Director, Finance Office, will acknowledge receipt of the note and process payment to the assignor of the par value of the note as of the date of the Treasury check. The United States can not pledge or risk the property and wealth of its private citizens, for any government purpose, without legally providing them remedy to recover what is due them on their risk. This principle is so well established in English common law and in the history of American jurisprudence. The 14th amendment provides : no person shall be deprived ofproperty without due process of law. The Courts have long ruled to have ones property legally held as collateral or surety for a debt, even when he still owns it and still has it, is to deprive him of it since it is at risk and could be lost for the debt at any time. The United States Supreme Court said, in United States v. XXXX [ XXXX XXXX, XXXX, XXXX ], Private property, the Constitution provides, shall not be taken for public use without just compensation. The right of subrogation is not founded on contract. It is a creature of equity ; is enforced solely for the purpose of accomplishing the ends of substantial justice ; and is independent of any contractual relations between the parties. XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ). The rights of a surety to recovery on his risk or loss when standing for the debts of another was reaffirmed again as late as XXXX in XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX, when the Court said : sureties compelled to pay debts for their principal have been deemed entitled to reimbursement, even without a contractual promise And probably there are few doctrines better established XXXX Law Dictionary, 5th edition, defines surety : One who undertakes to pay or to do any other act in event that his principal fails therein. Everyone who incurs a liability in person or estate for the benefit of another, without sharing in the consideration, stands in the position of a surety. Constitutionally, and in the laws of equity, the United States could not borrow or pledge the property and wealth of its private citizens, put at risk as collateral for its currency and credit, without legally providing them equitable remedy for recovery of what is due them. The United States government, of course, did not violate the law or the Constitution in this way in order to collateralize its financial reorganization, but did, in fact, provide such a legal remedy so that it has been able to continue on since XXXX to hypothecate the private wealth and assets of those classes of persons by whom it is owned, at risk backing the governments obligations and currency, by their implied consent, through the government having provided such remedy, as defined and codified above, for recovery of what is due them on their assets and wealth at risk. The provisions for this are found in the same act of Public Policy HJR-192, public law 73-10 that suspended the gold standard, abrogated the right to demand payment in gold, and made Federal Reserve notes for the first time legal tender, backed by the substance or credit of the nation. All US currency since that time is only credit against the real property, wealth and assets belonging to the private sovereign American people, taken and/or pledged by THE UNITED STATES to its secondary creditors as security for its obligations. Consequently, those backing the nations credit and currency could not recover what was due them by anything drawn on Federal Reserve notes without expanding their risk and obligation to themselves. Any recovery payments backed by this currency would only increase the public debt its citizens were collateral for, which an equitable remedy was intended to reduce, and in equity would not satisfy anything. And there was, as still, no longer actual money of substance to pay anybody. There are other serious limitations on our present system. Since the institution of these events, for practical purposes of commercial exchange, there has been no actual money in circulation by which debt owed from one party to another can actually be repaid. Federal Reserve Notes, although made legal tender for all debts public and private in the reorganization, can only discharge a debt. Debt must be paid with value or substance ( i.e. gold, silver, barter, labor, or a commodity ). For this reason HJR-192 ( 1933 ), which established the public policy of our current monetary system, repeatedly uses the technical term of discharge in conjunction with payment in laying out public policy for the new system.
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| 04/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Dear Consumer Financial Protection Bureau, Please accept this letter as a request to file complaint against PHH Mortgage Services regarding charges assessed to an escrow account, and request for restitution of charges. Please also accept this letter as a request to file complaint against XXXX XXXX for request of property charge reimbursements, and for dismissal of reimbursement request with prejudice.
Accounting We hold a conventional home mortgage loan with PHH Mortgage. It was established XX/XX/XXXX and matures on XX/XX/XXXX. The property ( also later referenced as parcel ) under mortgage is the primary residence. Property taxes are assessed via XXXX County. PHH Mortgage Services, since the loans inception in year XX/XX/XXXX, has collected the parcels taxes and held them in escrow, as part of the propertys monthly mortgage payment. PHH Mortgage services biannually issues XXXX County payments to cover the propertys taxes out of the escrow account.
The mortgage holders received an escrow overage check in year XX/XX/XXXX. They called XXXX County Treasurers office to confirm the property taxes had been paid, which they had. The mortgage holders then called PHH Mortgage Services to confirm the overage check was not a mistake. PHH Mortgage confirmed the taxes had been paid, the escrow account was not negative or in an Advance position with PHH Mortgage Services, and that the overage reimbursement was indeed valid.
The mortgage holders continued to received escrow overage checks until year XX/XX/XXXX. The same process was followed by the mortgage holders with every check received : the XXXX County Treasurers Office was called to ensure taxes were paid, and PHH Mortgage Services was called to ensure it was not a mistake. Every inquiry had the same results : the taxes had been paid and PHH Mortgage Services confirmed the overage reimbursement was valid.
In XX/XX/XXXX the mortgage holders received a letter from XXXX XXXX XXXX XXXX XXXX XXXX division. The letter stated XXXX XXXX had mistakenly paid property taxes for the parcel from XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX requested reimbursement in the amount of {$13000.00}.
The mortgage holders were astounded. The mortgage holders did not know the parcels taxes were being paid by any source other than PHH Mortgage Services. There was certainly no expectations XXXX XXXX would ever pay the parcels taxes. Neither mortgage holder had ever held accounts with XXXX XXXX ; not loans, bank accounts or any other form ( s ) of credit. XXXX XXXX had never been requested to pay the property taxes, nor were they obligated to do so.
The mortgage holders directly contacted the XXXX County Treasures office and inquired to how this might have occurred. A clerck, in the XXXX County Tax Department, noted it could be a result of a misapplied parcel payment. The clerk further explained that XXXX XXXX likely had a typo in a parcel number, and it could have resulted in payments being made on the property taxes accidentally. At the mortgage holders request the clerk put a flag on the property to ensure that only the mortgage holders or their lender ( PHH Mortgage Services ) could pay the property taxes for the parcel going forward.
The mortgage holders immediately following the phone call with the XXXX County Treasures Office, called PHH Mortgage Services. The mortgage holders alerted PHH Mortgage Services of the likely reason for the escrow refunds that had been occurring. They may be a result of misapplied parcel payments by XXXX XXXX. PHH Mortgage Services was unaware this was occurring. PHH Mortgage Services was able to confirm their system showed they had sent funds to XXXX County for the parcels property taxes biannually. PHH Mortgage Services documented that they had later received refunds from XXXX County Treasury, for overapplied parcel tax payments. The overapplied funds returned by XXXX County were then sent out to the mortgage holders as escrow overage reimbursements. PHH Mortgage Services put a note on the account to ensure the parcels taxes were paid to XXXX County and that should overapplied escrow funds be identified going forward a review would take place. PHH Mortgage Services also immediately started an escrow review on the mortgage holders mortgage account.
The mortgage holders sought legal counsel regarding the funds XXXX XXXX was requesting reimbursement of. The attorney counseled the mortgage holders to deny the reimbursement request from XXXX XXXX as there was no legal obligation for reimbursement. A letter was sent to XXXX XXXX, via attorney, on the mortgage holders behalf denying the reimbursement. This was at a personal cost to the mortgage holders of {$990.00}. Inherent in the denial for reimbursement was the denial of XXXX XXXX request to speak to the mortgage service company ( PHH Mortgage Services ), who was responsible for paying the parcel taxes.
The mortgage holders followed up with PHH Mortgage Services once the letter had been sent by attorney to XXXX XXXX XX/XX/XXXX denying the reimbursement. The purpose was to confirm that recent property taxes due on the parcel had been paid by PHH Mortgage Services, confirm an overapplied funds situation had not again occurred, check in to see if anything was found in the audit PHH Mortgage Services was performing on the account, and to notify PHH Mortgage Services XXXX XXXX request was being denied.
A few days after the mortgage holders called PHH Mortgage Services, PHH Mortgage Services called the mortgage holders. PHH Mortgage Services notified the mortgage holder the escrow account now had a negative balance. The mortgage holder was asked if they wanted to pay the balance due in full or have it divided up into monthly installments, which would be added to the mortgage payment. When the mortgage holder inquired as to why there was now a negative balance, PHH Mortgage Services confirmed that PHH Mortgage Services had contacted XXXX XXXX and issued a reimbursement to XXXX XXXX in the amount of {$13000.00}.
Again, the mortgage holders were astounded. PHH Mortgage Services had given no indication in any form ( call, email, text, portal message, letter ) they may/would contact XXXX XXXX regarding the reimbursement request. The mortgage holders had never asked/authorized PHH Mortgage Services to contact and/or make a reimbursement to XXXX XXXX regarding the reimbursement request. As noted above, according to counsel, there was no legal obligation for the mortgage holders to reimburse XXXX XXXX. Yet PHH Mortgage Services issued reimbursement to XXXX XXXX in the amount of {$13000.00}, had already added this amount to the mortgage balance as an escrow advance, and had done so without notice and without the consent of the mortgage holders.
The mortgage holders arranged a call to speak with a PHH Mortgage Services supervisor. The purpose was to voice concern with the process, its legality, and to negate the {$13000.00} PHH Mortgage Services had charged to the escrow account without authorization from either mortgage holder. The supervisor noted it was done and that PHH Mortgage Services acted in its own best interest to protect the asset from a possible lien ( against the parcel ) originating from XXXX XXXX for reimbursement of the mistakenly paid property taxes.
No documentation was ever provided by PHH Mortgage Services on the {$13000.00} charge. Further, no documentation was ever provided by XXXX XXXX noting PHH Mortgage Services had reimburse XXXX XXXX. The only documentation evident of the {$13000.00} transaction is reflected in the PHH Mortgage Service portal, in viewing the Mortgage Accounts Annual Escrow Statement.
Conclusion Reasons stand that the mortgage holders did no harm, and also conducted due diligence in : paying into escrow to cover their parcels property taxes ; vetted parcel taxes were paid with the XXXX County Treasurers Office ; vetted the mortgage holder, PHH Mortgage Services, was paying the taxes and processes were being followed in paying the parcel taxes ; never requested payments be made on their behalf on parcel taxes by XXXX XXXX ; immediately notified XXXX County Treasurers office of the unintentional payments by XXXX XXXX to prevent future occurrences ; immediately notified PHH Mortgage Services of the unintentional payments by XXXX XXXX to prevent future occurrences ; sought out and paid for legal counsel to determine if there was legal obligation to repay XXXX XXXX for unintentional property tax payments ; never requested PHH Mortgage Services reimburse XXXX XXXX for unauthorized payment of property taxes.
Complaint & Restitution The mortgage holders request the following complaints and restitutions be made : The complaint against PHH Mortgage Services : PHH Mortgage Services made a non-obligatory payment to XXXX XXXX and then assessed the amount to the mortgage holders mortgage, in the form of an escrow advance. Prior to PHH Mortgage Services taking any action with XXXX XXXX, the mortgage holders denied XXXX XXXX request for reimbursement and informed PHH Mortgage Services of this denial in a phone call ; the denial notifying XXXX XXXX was sent by mail via attorney. Despite the notice given to PHH Mortgage Services regarding the denial, PHH Mortgage Services contacted XXXX XXXX and made a non-obligatory payment to XXXX XXXX, without the knowledge or consent of the mortgage holders. The amount PHH Mortgage Services paid XXXX XXXX was the amount XXXX XXXX had requested reimbursement for, because of unintentional tax payments XXXX XXXX made on the mortgage holders parcel, {$13000.00}.
The remuneration request against PHH Mortgage Services : the mortgage holders request the {$13000.00} charged to their mortgage as an escrow advance be stricken from their account permanently, and any payments the mortgage holders made toward the advance be refunded them, without harm. It is further requested that PHH Mortgage Services actions may not result in any harm to the mortgage holders, should attempts be made by PHH Mortgage Services to reclaim the {$13000.00} from XXXX XXXX.
The complaint being made against XXXX XXXX : XXXX XXXX requested reimbursement in the amount of {$13000.00} for unintentional payment of property taxes on a XXXX County parcel. The mortgage holders did not request XXXX XXXX to pay their taxes and were not aware of the taxes being paid by XXXX XXXX until so notified. The mortgage holders should not, under any circumstances, be held responsible for the actions ( mistake ) of XXXX XXXX.
The remuneration request against XXXX XXXX : the mortgage holders are denying the request for reimbursement to XXXX XXXX. The mortgage holders seek written confirmation the reimbursement request made by XXXX XXXX is dismissed by XXXX XXXX without reimbursement and that no further request/attempt for reimbursement may ever be pursued. Should PHH Mortgage seek to reclaim the {$13000.00} reimbursement payment it made to XXXX XXXX, no actions may be taken to seek reimbursement by any party the reimbursement request denial stands under any condition ( s ), without financial remuneration to XXXX XXXX, and with prejudice.
Enclosures/Documentation In the form of attachments : XXXX XXXX Reimbursement Request XXXXReimbursementRequest $ XXXX Attorney Letter Mailed to XXXX XXXX Denying Reimbursement DenialOfRequestSentToXXXX Attorney bill for counsel and letter to XXXX XXXX IMSB Billing.pdf PHH Mortgage Services Escrow Statement showing additional charge of {$7400.00}, {$1800.00}, {$1500.00}, {$1500.00}, and {$1400.00} totaling {$13000.00} PHHEscrowCharges $ XXXX Respectfully, Mortgage Holders
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| 05/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since I started the mortgage 10 years ago this is the only payment that has ever gone 30 days. I attempted to make the payment but PHH has a website which is not optimized and the word Authorization : listed during the online payment process is misleading. It says, you are authorizing a payment after entering the payment amount and hitting submit implying that the payment has been authorized. This wording and processes is misleading and should be changed. Also, the employees doing collections are likely lying about doing their job contacting customers who have missed a payment. The misleading website and poor customer service is responsible for my missed payment in XX/XX/XXXX. I would like the XX/XX/XXXX derogatory record retracted to be current.
In summary : I have a Mortgage with PH Mortgage company that I have had for over 10 years and have never missed a payment on that account or any account in my entire credit history ( document 7 my credit report ) until XX/XX/XXXX. In summary, I attempted to make a payment through the PHH Mortgage online website. The payment was never officially sent and therefore never received, as a result I have derogatory record of 30 days late on my credit report that I would like to be retracted to show as current, see page 12 of document 7 to view the record. The details are in the paragraphs below.
I attempted to make the payment On XX/XX/XXXX I attempted to make a payment thought the PHH website Mortgagequestions.com. I have attached supporting document 1 showing that the payment was all set to be made and I took a screen shot, of what I thought was confirmation of the payment. The screen shot of my payment shows the word Authorization which could be easily mistaken for authorized. Further proving both my intent and attempt to make the payment I have attached document 5 showing that I transferred {$680.00}, the amount of my payment, to my checking account XXXX, document 1 also shows that account XXXX is the account I intended for the money to come from. Unfortunately, due to the Authorization header on the payment page I missed that I had to click the make payment button on the PHH website. Document 8b pg2 shows there was {$7100.00} in account XXXX which is more than enough to cover the payment of {$680.00} had it been posted. I was not aware, however, that the payment had not been posted and I filed my screenshot with the rest of my payment records and went on with my life.
I was never made aware the payment was not posted I was never contacted by PHH about a missed payment by phone or by mail. Never. According to a customer service representative at PHH mortgage, their collection records show they called me on XX/XX/XXXX but I never received a call. I NEVER was contacted by anyone at PHH. I am a mother and a small business owner and ALWAYS answer my phone. I ALWAYS answer my phone and would have been happy to bring the account up to date given the chance. I tried to obtain a list of my phone records proving they never called me so I could submit them with this complaint. Unfortunately, XXXX XXXX XXXX, my cellular provider, was unable to deliver that information because the billing has mobile phone and landline on the same bill which XXXX XXXX XXXX calls combined billing and as a result XXXX XXXX XXXX has no way to access the call history from my mobile device. Despite my strong attempts to obtain my phone records to prove the alleged call date of XX/XX/XXXX never took place. XXXX XXXX XXXX is unable to provide me anything in writing. If CFPB is so inclined they can call XXXX XXXX XXXX to confirm that business accounts with combined billing are unable to access the records from their mobile device. If CFPB could access my phone records it would show that PHH Mortgage never called me or left a voice message. I had a job related to collections years ago and what I think may have happened is that a collections employee clicked through their collection calls generating documentation that they called me but they never actually called. I encourage the CFPB to request call logs from PHHs phone provider proving that the call was placed and show the duration of the alleged call. There was no call to me alerting me that my payment had not been made, there was no email or standard mail sent to me by PHH alerting me that my payment was not made. I never received any contact from PHH that my payment was not made.
If I had been made aware that the payment had been missed of course I would have paid it immediately. Why after 20 years of perfect payment history, as shown in a copy of my credit report ( document 7 ), and a credit score of XXXX ( document 6 ), with plenty of cash in the bank, would I let a payment of {$680.00} ruin everything I have worked so hard for. I understand the value of my credit score which is why I monitor it and mange it responsibly. Every attempt was made by me to make my payment on time and if I had been made aware of any delinquency I would have remedied it immediately.
I paid immediately after finding out the payment had not been made My husband and I both have been subscribed to a monthly subscription with the credit monitoring service offered by XXXX as shown in document 9 for over 5 years. On XX/XX/XXXX, I received a preliminary alert message from XXXX on my phone stating there may be a potentially negative or derogatory record on my PHH account. I immediately went to the PHH online website to investigate and made a payment as shown in supporting document 2. Supporting document 3 shows the alert being officially posted to my XXXX credit monitoring service on XX/XX/XXXX. I was only made aware of the derogatory record when I received an alert form my own credit reporting monitoring service that I pay for monthly PHH never informed me. As soon as I was made aware of the missed payment I immediately went online to make the payment. I went to the same website 2 days later to make another payment and I went online again a few days after that to make yet another payment bringing my account paid a month in advance. I would have made all 3 payments on the same day but I did not trust their website would properly apply multiple payments on the same day. The PHH website has a history of low function. Supporting document 4 shows the message on the website when I log in saying the website is not optimized. I receive this message every time I log in no matter which browser I try.
As soon as I found out about the late payment I made the account current. As shown in document 2 the payment happened within the same day of me being made aware that it was late. I called the company PHH Mortgage to see what happened. Of course, I though the payment had been made and was under the impression there was some mistake on their part. That is when the claimed they tried to call me, and since the payment never left my bank they recommended I issue a written complaint to the CFPB.
However, there is responsibility of the company PHH Mortgage to reach out to me via email, phone and/or mail to let me know of a missed payment. With such an important result as a derogatory record affecting my credit both personally and in business I would hope the CFPB will find the fault does not lie with me and retract the XX/XX/XXXX derogatory record.
I want the XX/XX/XXXX derogatory record retracted to be current - Document 1 shows the word Authorization which appears after I type in all my payment information, implying the payment has been made - I have a proven history of having a credit score of XXXX prior to this event as shown in document 6, my credit dropped to XXXX within days of this event. Document 8 shows plenty of cash to cover the payment and documents 1,3 and 9 show I understand the importance of making payments on time - I have a history of always current payments on this account ( document 7-m pg 12 ) and all of my accounts from the beginning of my credit reporting history ( document 7 ).
- I have never been late on any payment ever. ( document 7 ) - Never in the history of my credit reporting has anything like this ever occurred. ( document 7 ) - I pay monthly to protect my credit ( document 9 ) and would never have allowed a missed payment had I known of it - I paid immediately after finding out the payment had not been made ( document 2 ) Since I started the mortgage 10 years ago this is the only payment that has ever gone 30 days. I attempted to make the payment but PHH has a website which is not optimized and the word Authorization : listed during the online payment process is misleading. It says, you are authorizing a payment after I had already entered the payment amount and hit submit implying that the payment has been authorized. This wording and processes is misleading and should be changed. Also, the employees doing collections are likely lying about doing their job contacting customers who have missed a payment. The misleading website and poor customer service is responsible for my missed payment in XX/XX/XXXX. I would like the XX/XX/XXXX derogatory record retracted to be current.
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| 04/04/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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has I have been denied the full opportunity to participate in the Loss Mitigation Process with a full understanding of the terms of the agreement with the exploration of all options to make an intelligent and informed decision regarding whether or not I could intentionally commit to the terms of the trial modification in totality. I called PHH Mortgage on multiple occasions without an opportunity to speak to the assigned case manager XXXX XXXX, therefore I spoke to a gentleman named XXXX XXXX on XX/XX/XXXX. I asked him to explain the terms outlined in the confusing letter I received by PHH Mortgage. He was unable to adequately answer my questions therefore he suggested I exercise my right to appeal and submit the decision received on XX/XX/XXXX, and do it via email at XXXX. During this time I awaited a written decision directly related to the appeal I filed on XX/XX/XXXX. I was uncertain if making a payment would indicate I agree with the terms of the modification prior to receiving clarification therefore I waited for a written response. I have never received the written response even after making several phone calls. On XX/XX/XXXX, I called PHH Mortgage speaking to XXXX XXXX, Case Manager regarding the failure of PHH mortgage to provide a written decision regarding the appeal I submitted on XX/XX/XXXX. I requested the opportunity to make the trial payments but he was unsure if that option was still available at that time. XXXX stated he would find out and send out information informing me if I could make payments for the previously offered trial modification or if I needed to submit a new application, he assured me that I would receive the information in the mail.
On XX/XX/XXXX, a court date was set which due to unforeseen circumstances I was unable to attend. At the court date the attorney from XXXX XXXX XXXX, XXXX. asked XXXX XXXX XXXX XXXX, to enter an Order of Default and a Judgement Foreclosure and Sale on XX/XX/XXXX, against me in a case XXXX XXXX XXXX concerning the property located at XXXX XXXX XXXX XXXX, IL XXXX, my only residence. As a result of the Default Judgement, I received a Notice of Sale, with a sale date scheduled for this Friday, XX/XX/XXXX at XXXX XXXX. Unfortunately for the past two years I have experienced extraordinary health challenges which interfered with my ability to fully participate in the foreclosure not being afforded requested reasonable accommodations. In other arenas I am granted reasonable accomodations leveling the playing field for me at work and school but during this legal proceeding except during one court hearing.
On XX/XX/XXXX, I contacted PHH Mortgage using the portal system seeking to resubmit an application for Homeowners Assistance based on the documentation previously submitted outlining the time frames of expiration of each document previously submitted in the absence of a written response to the appeal letter submitted on XX/XX/XXXX and the request for an update my options for participating in the Loss Mitigation process on XX/XX/XXXX. When I began applying through the Mortgage Service Center, I received a message stating, I already had an application being reviewed for the housing assistance program therefore I was unable to download or access a clean application. Based on the expiration of the previously submitted documents I submitted an updated application using one previously submitted changing the dates and providing current supporting documentation.
On XX/XX/XXXX, I received two confusing letters through the portal, one stating the application for Loss Mitigation had been received and was under review and a second one stating my request for the Lost Mitigation Process was denied because it was within 14-days of the sale date of my home but required a minimum of 37 days to review an application. I inquired with XXXX XXXX, Case Manager what happened to the documents he agreed to send me on XX/XX/XXXX but he never stated what happened with the papers. He told me he was going to send me a new application which I have not received.
XX/XX/XXXX, I called speaking to two different case managers ( XXXX XXXX & XXXX XXXX ) who informed me they saw the letter of appeal I submitted but they didnt understand what I was appealing despite the first sentence explicating stating what I was appealing and my other questions in the XX/XX/XXXX letter. The two gentleman stated it was not the proper process to seek the responses to the questions I posed in the letter. I asked what they could do at this point to assist me and they both stated it was nothing further they could provide at this date due to the sale. I asked to speak to a supervisor and I was transferred to XXXX XXXX XXXX, who made excuses about PHH Mortgages two failed requests I made during the Loss Mitigation Process. She initially pretended not to see the appeal letter then she said a package was sent to me on XX/XX/XXXX but when I asked how it was sent she stated it was not noted in the system. I shared with her the previous packages were sent via XXXX allowing PHH Mortgage the ability to track the documentation. She hurried off the phone stating she couldnt do anything at this point. I asked her to remedy the previous mistakes made by the staffs failure to respond to two requests which has excluded me from participating in the Loss Mitigation process adversely resulting in a scheduled sale of my home on Friday, XX/XX/XXXX at XXXX XXXX. XXXX XXXX mentioned she must follow the Fair Trading Act with dealing with customers fairly which drove me to your organization for assistance. I spoke to a very kind woman named XXXX who stated she was there to assist me at the onset of the call.
After reviewing your website I have reviewed the regulations 12 CFR {$1000.00} and the Have A Mortgage? What You Can Expect publication on page 9, it states I can request a review of the decision made by the services as long as a complete mortgage assistance package was submitted. I submitted a complete application and submitted a letter requesting a review almost 120 days before the Order of Default and a Judgement of Foreclosure and Sale were requested on XX/XX/XXXX but PHH Mortgage failed to provide a written decision and submit updated information after my request submitted on XX/XX/XXXX regarding the Loss Mitigation Process. I asked the company today if they would kindly reconsider their decision to deny the application for assistance submitted last week as I am preparing for court in the morning where I have submitted a motion to stop the sale of my home but my request was denied. Based on the regulations it appears as though PHH Mortgage violated several of my rights and I am seeking your assistance with retaining my home as a person with XXXX I dont have the capacity to move at this time but I do have the means to pay my monthly mortgage. Had I been afforded the opportunity to fully participate in the totality of the Loss Mitigation Process my home would not be scheduled for sale on XX/XX/XXXX at XXXX XXXX. Today in court the judge denied my motion to vacate the default judgement.
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| 08/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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In XXXX, I was an XXXX XXXX member of the United States XXXX XXXX. During this period, I received orders for a Permanent Change of Station ( PCS ) from XXXX Florida to XXXX New Mexico to serve as the XXXX of the XXXX XXXX XXXX XXXX XXXX, XXXX SXXXX XXXX XXXX XXXX XXXX XXXX.
In XXXX XXXX, following my PCS to XXXX XXXX, PHH Mortgage Services initiated foreclosure proceedings against my property located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Although the foreclosure was initiated in XXXX, I was n't notified of any problems until after foreclosure actions were already in motion. More concerning, PHH continued to accept full mortgage payments even after they initiated legal action against me. None of the mortgage payments I made between XXXX XXXX and XXXX XXXX were applied towards my mortgage. Instead, all payments were directed to an escrow account where they remain today.
If you look at my mortgage history, you will see that I consistently paid my mortgage on time while stationed at United States XXXX XXXX XXXX XXXX in XXXX FL. As already recorded, the housing industry in XXXX crashed between XXXX and XXXX and it was impossible for me to obtain any type of rent that even came close to my mortgage payments. Having to pay rent in New Mexico in addition to paying my mortgage in XXXX was difficult, yet I managed the best I could. I paid every mortgage payment in good faith but some of the payments were delayed. The miscommunication began in XXXX when I combined the XXXX and XXXX payment together ( {$5000.00} XXXX. From this point on, none of my payments were applied towards my mortgage. In addition to the above payments, I made delayed payments for XXXX XXXX {$2500.00} XXXX, XXXX and XXXX XXXX {$5000.00} XXXX due to missed payments by my tenant in XXXX and a hospitalization in XXXX for XXXX ruptured discs in my back ( medical paperwork attached ). By XXXX, I thought I was back on track with an on-time payment XXXX {$2500.00} XXXX. Unfortunately, unknown to me at the time, PHH initiated foreclosure in XXXX only days after they had received payments for XXXX, XXXX, XXXX, XXXX and XXXX. In mid XXXX XXXX, I received a phone call from the tenant renting my condo that I had been served foreclosure paperwork. Thinking this was an error because I had made all my payments, I phoned PHH only to learn that the nightmare was real and they had initiated foreclosure. Only after I phoned to clear up any miscommunication was I served with foreclosure documents in New Mexico. Despite this setback, I continued to make my mortgage payments all the way up through XXXX XXXX. At this point, PHH was sending me physical checks back instead of applying the payments towards my mortgage. They refused to apply any funds in their possession towards the mortgage payments.
Today in XXXX, PHH Mortgage holds over {$24000.00} of payments intended to cover mortgage payments in escrow XXXX there 's a {$22000.00} surplus ). Three times after initial notification I attempted to reinstate the loan. The first time was on XXXX XXXX XXXX and the second time was on XXXX XXXX XXXX. Both times, PHH failed to accurately report that they were in possession of the payments they were seeking for reinstatement. Both times they were notified of this problem and both times they failed to adequately communicate the correct figures to the Florida XXXX XXXX XXXX ( See Attached ). The result, the reinstatement packages were thousands of dollars above the true amount required for reinstatement. Bottom line, PHH always provided incorrect numbers either out of incompetence or bad faith ... maybe both. Their sloppy book keeping, lack of interest or hostile intent prevented me from solving this issue early in the crisis through reinstatement which was my preferred method to obtain resolution to this matter.
In XXXX, I attempted to resolve this issue through a Florida State ordered mediation. Discussions collapsed after the PHH representative insisted that the mediator was " taking my side '' and terminated the meeting. Despite their many, many errors ... PHH continued to heap on interest, legal expenses, title fees, recording costs, process fees, etc. etc. This was ludicrous because PHH was adding fees to payments they refused to accept. In XXXX XXXX, I made a third attempt to reinstate the loan only to learn that an additional {$45000.00} had been piled on destroying any chance I had of reinstatement. At this point, my only hope of saving my home was the court or loan modification. I preferred the loan modification option but PHH had a different opinion. They rejected every loan modification package I submitted and I submitted several.
Today in XXXX, almost XXXX years after this battle began I continue to try to resolve this issue and PHH continues to heap on interest and fees while showing no intention of resolving this matter in a mutually beneficial way. Their latest payment figure include {$130000.00} in interest, a {$5800.00} escrow advance despite a {$24000.00} surplus in escrow and a {$7600.00} recoverable balance ... etc. etc. The total amount to resolve this issue? {$440000.00} on a property I purchased in XXXX for {$330000.00}. This interest, these fees and these penalties are neither reasonable nor moral.
Today XXXX XXXX XXXX, I attempted to resolve this issue XXXX more time by proposing a settlement. I asked PHH to reduce interest, penalties and fees to under {$350000.00} to enable me to sell my condo without the need for a short sale. Since XXXX my credit has recovered to a respectable score of XXXX. In return, I would guarantee PHH would receive a minimum of {$350000.00} for my unit ( if it was less I would make up the difference, if it was more they could keep the additional money ). This is a fair deal.
I was disappointed by their lack of willingness to entertain this solution. They did n't even take the time to send a representative with decision making authority.
So, I spoke a lot about the money PHH wants to resolve this issue. Let me speak a little about this dollars I 've sunk into my home. {$110000.00} in payments made, {$53000.00} HOA payments XXXX HOA paid in full ), {$25000.00} in XXXX XXXX taxes ( out of pocket, fully paid ) and attorney fees {$10000.00} plus. All-in-all, {$190000.00}. This may not seem like a lot of money to PHH but to me this is all I have. Throughout this battle, I 've paid every single cent to everyone that would accept my payments. I would have paid PHH every single penny as well IF they would have accepted them. Let 's be clear PHH is a loan servicer that makes more money on a foreclosure then they do on reaching an agreement. They are not interested in working with their customers to find a solution ... they are the problem, and that 's unfortunate.
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| 06/22/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Our home had severe fire damage from the XX/XX/XXXX XXXX XXXX in XXXX County. We received funds from our insurance company to cover the structural damage to our home in the amount of {$150000.00}. The check was made to my wife and myself and XXXX who serviced our loan at that time. Our claim funds are being handled by XXXX XXXX XXXX ( XXXX ) on behalf of our mortgage servicer. I was led to believe that we would receive {$40000.00} back right away to start the work. We were not told that from the {$40000.00} would be subtracted funds previously dispersed more than 1-year earlier to repair other fire damage. We were sent a total of {$170.00} to begin the work. To begin the process they require a number of documents from each contractor ( signed contract, W9, lien release, contractors license ). The number of documents can add up when there are several contractors involved. Every " t '' must be crossed and " i '' dotted or the document is rejected. Their web site does not explain why a document is rejected and that information is nearly impossible to obtain by talking with a customer service representative. Also, I have submitted many documents several times and I continue to be told that i have submitted them. Getting all required documents submitted and accepted is a long and arduous process. I have been working on this for over 2-months and still not complete. Based on the understanding we would have {$40000.00} to start the work we scheduled our 5 contractors ( roofing, painting, HVAC, fencing and paving ) and began the work.As soon as we received the check for {$170.00} I began the process of requesting a 50 % inspection so we could receive a 50 % disbursement and make timely payments to our contractors. When I called customer service to request the inspection and discuss timing I was told that it would take 2-3 business days to make the request to the inspection company, 2-3 business days for the inspection results to be transmitted and posted to our file and 2-3 business days for a check to be sent overnight ( we paid for overnight mailing for disbursement checks ). They could not give a time frame for when the inspection company would conduct the inspection after receiving the inspection order. On Friday, XX/XX/XXXX, after many phone calls and several hours, I made contact with the local inspector. She conducted the inspection at about XXXX XXXX on Monday, XX/XX/XXXX, completed and file a report the same day indicating 70 % completion. Based on the time frames given we expected a check to arrive in 5 to 7 business days from XX/XX/XXXX. As of XX/XX/XXXX we have not received the anticipated payment and have no anticipated timeline for when we will receive funds. On Monday, XX/XX/XXXX I called to follow-up on the payment and found out that our mortgage services and our insurance claim had been transferred to PHH and the XXXX XXXX XXXX website was shut down for the week as part of the transfer. When I was finally able to talk with someone I was told that a 50 % disbarment would not be sent to my wife and myself instead checks made payable to each contractor, my wife and I, would be send. In the mean time I had made two payments out of pocket to our roofing contractoXXXX totaling {$19000.00}. When XXXX found this out they cancelled the check request for the roofing contractor and required him to submit proof of my payment to him ; documents that they have rejected twice so far. They then processed a payment for our painter in the amount of {$75000.00} for a {$38000.00} contract. When they realized their mistake they cancelled this payment ( about a week ago ) and have failed to process and send a correct disbursement check. I am still working unsuccessfully to get the required documents for the other 3 contractors accepted so their payments can be processed. Since beginning this process back on XX/XX/XXXX, I have been continually lied to regarding nearly every aspect of the claim process, including the documents required, the disbursement process, the amounts, how checks would be made out, how to request inspections and payments, and the timing for all the steps of the process. Since the last week of XXXX I have made over 30 calls to XXXX and spent more than 20 phone hours trying to get our money to make the repairs to our home. Even though our claim has been assigned to a specific person on the XXXX complaint team there is not easy or direct way to contact them ; they have no email address or direct phone number. They continually promise to call me at a specific time on a specific day and do not. When I call and ask to speak to my assigned person ( the 3rd one in 2-weeks ) I am told I can not speak to them. I was promised a call yesterday between XXXX and XXXX XXXX. pacific time from XXXX XXXX, the person on the Complaint Team who has been assigned our claim. I never received her call. I began calling for her about XXXX XXXX After 5 calls and nearly 2 hours of hold time I find out that XXXX is not working yesterday. This is a typical experience. Every time I call I speak to a different customer service person who must acquaint themselves with our file. This is time consuming and frustrating. No one understands or can explain their process. Dates and information in our website file are incorrect. Many of the documents I send in are lost. They give no explanation as to why they reject documents. When I call in and am able to speak with a representative they continually review documents that have previously been accepted looking for ways to now reject them. No one I have spoken with has the actual authority to do anything to move the process along and I am not allowed to speak with anyone who does. When I ask to speak with the person having authority to do something I am told that person does not exist. The entire system is set up to prevent success and to not release funds that do not belong to them. We never would have started the work if we had known XXXX would do everything they can not to release our money. We are now nearly complete with the repair work to our home and facing potential leans from our contractors who we can not pay.
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| 07/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Timeline PHH Mortgage Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan # XXXX Authorized Third Party : XXXX XXXX XXXX spouse of borrower Regular Monthly Payment {$710.00} Late fee assessed if not received by XXXX of each month ( {$740.00} includes late fee ) Payments made Year to Date XX/XX/XXXX {$1500.00} ( XX/XX/XXXX and XX/XX/XXXX's payment ) XX/XX/XXXX {$800.00} ( XX/XX/XXXX 's Payment )XX/XX/XXXX {$740.00} ( Bounced ) No XX/XX/XXXX Payment XX/XX/XXXX {$750.00} ( Applied to XX/XX/XXXX ) XX/XX/XXXX {$750.00} ( Returned by Mortgage Company because the amount was not for total amount owed ) Loan Modification Letter Received XX/XX/XXXX Accepted Terms of Trial Plan Repayment Was told by XXXXXXXX XXXX XXXX to make 3 consecutive payments in the amount of {$600.00} Final Terms of Modification and Interest rate to be provided at the end of the Trial Period.
XX/XX/XXXX {$600.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$600.00} Received Final Terms of Modification on XX/XX/XXXX Called and Spoke to Newly assigned case Manager XXXX XXXX XXXX on XX/XX/XXXX Informed XXXX XXXX that we did not wish to continue with modification. Was told by XXXX XXXX the amount to make our loan current as ofXX/XX/XXXX was {$2400.00} She informed that we had until XX/XX/XXXX to either submit the notarized Modification Documents or made the bulk payment to bring the account current.
( We have a letter from XXXX XXXX stating these terms Titled " Home Assistance Program '' dated XX/XX/XXXX. ) Called onXX/XX/XXXX, trying to speak to XXXX XXXX but was not available, pressed 0 to speak to customer service rep to verify the amount due in full before sending payment. Spoke to Customer Service Rep XXXX and was given a different figure. He informed that as ofXX/XX/XXXX the total amount due is {$2800.00} and after XX/XX/XXXX the amount would increase to {$3500.00} Was also told by XXXX to mail payment to XXXX XXXX XXXX XXXX, PA XXXX and that electronic payments or phoned in payments would not be accepted. Was advised to call right before sending payment to ensure the amount is accurate. Asked XXXX to notate the account that {$3500.00} will be coming express mail to ensure a timely delivery either onXX/XX/XXXX orXX/XX/XXXX at the latest.
Called XX/XX/XXXXand spoke to customer service XXXX XXXX, again because XXXX XXXX was not available per her voicemail message, to confirm amount as previously advised. Was told by XXXX that the amount has now increased to {$4400.00} and that we can no longer submit the payment to reinstate because the home was turned over for foreclosure proceedings on XX/XX/XXXX.
Spoke to XXXX XXXX on XX/XX/XXXX and she said she was not sure how the account was referred for foreclosure as her and XXXX XXXX had been working together for months to avoid foreclosure. She promised verbally that she was immediately going to the processing department to stop the foreclosure proceedings. Spoke to her around XXXX and she informed that she would return the call prior to XXXX the same day ( XX/XX/XXXX ) After not hearing back from XXXX XXXX a call was placed at XXXX to XXXX XXXX XXXX direct extension. Per her voicemail, she was now gone for the day and will not be returning until MondayXX/XX/XXXX. Pressed 0 for customer service and was connected to Rep XXXX XXXX who said she was XXXX XXXX XXXX supervisor. Explained the situation to XXXX XXXX and she expressed her apologies and also promised that she can " walk over to the processing department '' to stop the foreclosure and she also would call me back prior to XXXX the same day.
After not receiving any phone calls from XXXX XXXX or XXXX XXXX a call was placed on ThursdayXX/XX/XXXX to XXXX XXXX XXXX direct extension. Again her voicemail indicated that she was not in the office until Monday XX/XX/XXXX. Pressed 0 for a customer service rep ( Name not taken ) who informed that no requests were submitted to the processing department by XXXX XXXX or XXXX XXXX. Was also told by rep that XXXX XXXX is not XXXX XXXX 's supervisor and asked to speak to a Senior authorized manager for help in this matter. Was connected to XXXX XXXX XXXX and explained entire timeline again. XXXX XXXX said that no one there ( at Mortgage Company ) has the authority to contact the processing department nor did anyone, himself included, have the authority to stop foreclosure.
He then proceed to tell XXXX XXXX that none of the conversations she said she has had with XXXX XXXX " sound like something XXXX XXXX would say ''. XXXX XXXX told XXXX XXXX that a recorded disclaimer at the beginning of the call states that all calls are recorded and monitored for quality assurance. XXXX XXXX then told XXXX XXXX that he personally would have to review all of the recorded conversations to determine what exactly was said. XXXX XXXX took XXXX XXXX XXXX cell phone number and promised to return the call by end of business on Friday XX/XX/XXXX.
A return call was not received by XXXX XXXX to date.
XXXX and XXXX XXXX met with Financial Planner XXXX XXXX XXXX on MondayXX/XX/XXXX XXXX XXXX called XXXX XXXX XXXX direct extension and her voicemail message stated that she was not available. XXXX XXXX pressed 0 for a customer service rep. XXXX XXXX XXXX spoke to XXXX XXXX XXXX XXXX along with XXXX XXXX on a conference call to try and mediate the situation and to find out why PHH violated the terms that they set forth. XXXX XXXX went over all documents that were provided by XXXX XXXX XXXX XXXX and after an hour discussion and a lot of false information, we were finally put directly through to XXXX XXXX She indicated that the mortgage company did make a mistake by prematurely sending the account for foreclosure and her only suggestion is to let XXXX XXXX do his investigation and someone would get back to the homeowners no later thanXX/XX/XXXX. In the meantime as the mortgage company delay their investigation the homeowners are accruing interest charges, late fees and lawyer fees every day that passes. Was advised by XXXX XXXX to contact the CFPB to file a complaint about PHH Mortgage Services and there violation of the agreed terms and the bad business practices.
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| 03/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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DEED IN LIUE EMAIL CONVERSATION OF XX/XX/XXXX to XX/XX/XXXX This memorandum is part of my CFPB Complaint Response Attached are email conversations between Mr. XXXX XXXX of PHH Mortgages Loss Mitigation Department that will prove that PHH and Mr. XXXX as an employee of PHH committed various Inaccuracies, Errors, Mishandling, Misleading and abusive Tactics Inclusive of this Conversation during my loss mitigation part of my foreclosure.
The breakdown of the conversation will prove that The following Acts/Rules were violated : The Consumer Fraud Act, The Fair Foreclosure Act, The Fair Debt Collection Process Act and the exact kind of violations or respite violations that PHH MORTGAGE SERVICES was cited for in Their {$45.00} XXXX Civil Settlement of XXXX which I also was a borrower included in that.
Email attached : XX/XX/XXXX Page One bottom paragraph email dated XX/XX/XXXX at XXXX XXXX I beginning with After you called me on XX/XX/XXXX In this correspondence I wanted to have The DIL Offer that was initiated by Mr. XXXX XXXX, to be put on Hold so I can do my own due diligence. I state for now, please place the Brakes on the offer. The word Put the Brakes does not necessarily mean to come to a complete stop and close the file as going forward in this same email I explain what was meant by that word and how Mr. XXXX himself acknowledge in this email correspondence, he understood what I was trying to say and do. In this same paragraph I go on to say, I AM NOT SAYING I REFUSE TO COOPERATE and I need to do my own due diligence. In the middle of Page 1 On XX/XX/XXXX at XXXX XXXX where it begins with XXXX saying, I received your message I CAN NOT HOLD the file and later in the same paragraph XXXX says. I WILL CLOSE THE FILE. This is as clear as day that HE ACKNOWLEDGED AND UNDERSTOOD THAT I WANTED TO HOLD THE FILE NOT CLOSE IT. HE then as the email says closed the file but I wanted to only for now, to have the file put on hold so I can do my own diligence.
Page 2 but still same email I ask XXXX to call their attorney and I go On to say just because I am asking you TO PUT A HOLD ( AGAIN NOT CLOSE ), on this, I would hope such a offer AND YOURE OFFER ( PROOF AGAIN I WANTED HIS OFFER TO STILL BE OPEN ) will still be on the table. ( Remember this is XX/XX/XXXX so the above HE CLOSED THE FILE had not occurred yet. I did not want to lose his offer or any similar ones ( AGAIN CLEAR AS DAY HE UNDERSTOOD I WANTED A HOLD AND NOT TO CLOSE. On a side note, XXXX was rushing all of this from calling me first ( I do not know what he means ) to closing a file after 2 days!!!! Something was very off with all of this.
Page 3 On XX/XX/XXXX at XXXX XXXX XXXX states I WILL ALSO CANCEL THE APPRAISAL Having acknowledging and proofing with all the above that XXXX understood what I wanted and it was to HOLD not CLOSE the file at this point why would an appraisal be necessary. To elaborate the appraiser ( XXXX XXXX at XXXX ) NEVER came to my door and you can ask him yourself. He called me XXXX times and both times since my understanding was the deal was closed, I told him to call XXXX.
In your decision notice attached of XX/XX/XXXX you say I am declined for Homeowners Assistance at the last page The Evaluation Summary you state DECLINED and the reason listed is I WOULD NOT LET THE APPRASER IN THE HOUSE TO COMPLETE AN APPRAISAL. When I saw that I was SHOCKED. As per all of the above the reality was that XXXX Closed the File and HE Cancelled the Appraisal.
These documented facts for which you should be able to pull up on your side so you dont accuse me of falsifying anything, start a whirl wind that change future correspondences and previous correspondences in terms of more respite and other types of violations. First I want to wait to hear your response to this CFPB.
You mailed me a COPY of a SUPPOSED Pre Approval for this DIL on XX/XX/XXXX, I never received such a document. I AM ASKING FOR PROOF THAT THIS WAS SENT AND HOW AND TO WHOM? ). Given your history of falsifying information, I am positive that document was made after XX/XX/XXXX so their could be some relevance to your case. There are also two copies sent both with NO DATE starting with my loan number and RE : Homeowners assistance Program Evaluation XXXX that you sent much later in a correspondence which has falsified info on page 4 saying I was Pre Approved for a DIL The other is the one I got again beginning with my loan number and an RE : Homeowners assistance Program Evaluation. which states on Page 4 I am Declined for ALL They are both not signed but the person who supposedly sent the correct XXXX came to me on XX/XX/XXXX ( XXXX ) sent from your lawyer XXXX but from a Person out of XXXX PA called XXXX XXXX as this : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX On the fourth page Under The Evaluation Summary it says Declined for the the fact I did not let the appraiser do an appraisal. ( I have already proved that to such a Lie and a cover up it makes me sick ). Here are Two more examples of falsifying your letters.
I have enclosed a XXXX receipt saying that the documents of 63 pages were mailed on XX/XX/XXXX Certified. In the attached letter you sent datedXX/XX/XXXX RE : LOSS MITIGATION FINANCIAL PACKAGE RECIEVED, In the second actual paragraph it says ( WE HAVE RECEIVED YOUR APPLICATION FOR HOMEOWNERS ASSISATNCE AND WE WILL REVIEW IT ). I did not mail that package until XX/XX/XXXX so how could it be there by XX/XX/XXXX? In another Letter dated XX/XX/XXXX with the same RE On that same second paragraph it says WE RECEIVED YOUR APPLICATION FOR HOMEOWNERS ASSISTANCE ON XX/XX/XXXX AND REVIEWED THE INFORMATION YOU SENT Now you say you received it on XX/XX/XXXX, How when again I mailed the package on XX/XX/XXXX.
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| 05/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In early XXXX , PHH Mortgage claims they did not receive a check I sent to them for my XXXX mortgage payment. There was much back and forth and after confirming that the check had not posted to my account I was provided an amount to bring the account current. By this time, I owed f or three m onths, I secured the funds, purchased a cashiers check, and paid the United Postal Service to overnight it to the mortgage company and get a signature upon delivery. It was to be delivered on XXXX XXXX XXXX and it was. On XXXX XXXX , I tried to pay my XXXX payment by phone and it would n't go through. Knowing that the only reason was that the payment had n't posted I went through the prompts to speak with a live person, I spoke with representative who said the cashiers check had n't been received or posted yet. I mailed my XXXX payment which was promptly returned to me. I spent the next six WEE KS without success trying to get a call back from the Supervisor XXXX XXXX or the Case Manager XXXX XXXX . They did not return phone calls yet I kept getting calls at least once a day, sometimes more requesting payment. It got to the point that as soon as I 'd pick up the phone I 'd say " please check your notes ''. Through all of this I still was not able to communicate with anyone but collections personnel. Worse, at this point there was at a minimum {$8400.00}. 01 in their office that had clearly been received and signed for that they could not account for. By XXXX I was sent a formal letter requesting a copy of the back of the cashiers check. I 'd been asked this many times be telephone and they still could not seem to grasp the fact that the copy of the back of the check was blank because they had it somewhere in their office. Additionally, I had sent a copy of the cashiers check along with a copy of the tracking numbers for the overnight mailing to both XXXX XXXX and XXXX XXXX XXXX with no response. In XXXX XXXX after much frustration and stress I contacted liaison in the office of the president. While he was able to confirm that the cashiers check had been received in their office by an employee of their company he could not determine the disposition of the check. He asked if I would be willing to replace the check. I told him that my credit union would indeed replace it with an affidavit from their company but I want willing to have an affidavit submitted without some assurance that the late charges would be reversed and the daily harassing phone calls would be halted. He agreed. since I had n't realized by this point that the XXXX payment was returned to me, I said I wanted to hold the payments during the investigation since they were clearly not being processed by their " cash management '' department. He agreed. We moved forward and two thin gs happened. First, the second/replacement cashiers check was mailed back to me afte r I 'd sent it directly to the Office of the President and he said he 'd walked it down to cash management for pro cessing. Secondly, I realized belatedly that my second mortgage which I 'd placed on automatic payment and was scheduled to be paid off by XXXX was having the payments rejected by the mortgage company. When I contacted XXXX XXXX , the liaison, who 'd seemed so helpful initially his first question was " what day did they request you send it by ''. I was n't given date. It was then that I realized that this was a deliberate and fraudulent attempt to seize my property. ( If payments are returned when mailed and I can not make payments online or by telephone, there is no method for me to pay my mortgage which the company is saying is unpaid ). This thought was confirmed when I received a letter requesting a payment in the amount of {$3100.00} to bring my second mortgage current. I immediately sent the requested amount and that check was sent back saying the funds submitted were insufficient, although Id sent the requested amount and a copy of the request letter. It was sent on a letter without a date and without a new amount. I have been forced to hire an attorney to assist me in dealing with this since I have now received notices from foreclosure companies. I thought this could be resolved quickly and peacefully, but it has been anything but. The foreclosure company has received my rebuttal but acknowledges that they are limited to the information provided by PHH Mortgage . Because of the lingering problems, I am reporting PHH Mortgage to ever y relevant regulatory agency I can. It should be noted that I purchased this particular property 14 years ago and my mortgage company was XXXX XXXX XXXX . and only when I started making payments to PHH Mor tgage have I had a problem, In the past whether it was my error or theirs, I could always get a reasonable explanation and a callba ck, PHH has no such skills and no desire to acknowledge mistakes. In fact, when I received a letter re the first investigation, the letter did not acknowledge the fact the downward spiral began with a check that they said they lost and a replacement check that was definitely received in their office but lost and still not located. As of this date, I hav e sent three sizeable checks directly to the liaison in PHH 's Office of the President and I am keeping my fingers crossed that they will be applied to my account and not returned to me.
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| 08/10/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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To Whom it may concern ; I am writing this letter concerning a loan modification, I was approved for by PHH Mortgage based on my financials only and the probationary period for the new payments began in XX/XX/XXXX. However, I was informed in XX/XX/XXXX that my ex-husbands name was not removed as requested and after I was told it would be at the onset of my application process. I want my mortgage company to honor my request and completely remove my ex-husbands name from all association pertaining to my loan and any other associations of the residence at XXXX, MD XXXX.
The details of my loan modification are as follows : I spoke with their representative and discussed the above. I had pre-qualified for the program alone and in order to have his name removed completely from the loan, I would need a Quit Claim Deed. I informed the representative I had that document.
I received the loan package for < $ 250K, reviewed the prefilled information I had supplied via phone that was on the loan application, gathered all the required documents, signed where applicable and returned the documentation immediately. I was contacted by a number of individuals beginning with XXXX XXXX, who advised me of the new payment amount required for 4 months as the probationary period that was set to begin in XX/XX/XXXX until XXXX, XXXX, the new interest rate reduction, the extended payoff terms, and finally the modification loan was in my name only. She also ensured me, the auto debit had been curtailed. Upon reviewing my account, she noticed my XXXX payment had been drafted towards the new probationary period.
In XX/XX/XXXX, I received a call from a male representative and informed I had completed the probationary period. The loan would now be setup permanently on their system and the next payment would start in XX/XX/XXXX. At this point, I reactivated my auto debit for the XXXX of the month as I had previous to the modification. This has been my practice since the inception of the loan in XXXX. In XX/XX/XXXX, Ms . XXXX contacted me and stated the entire process was completed. We chatted a little and I thanked her for all of her assistance throughout the process. I had one question for her before we terminated our call. I questioned why she asked for Mr. or Mrs. XXXX. She looked more closely at the loan and apologized as she assured me my name was the only one on the loan. She stated the back office may not have caught up with the changes. I questioned when would his name be removed and she said she would call me back. After several days, I had not heard from Ms . XXXX so I left her a couple of messages letting her know I was mindful she serviced several clients ; however, my last message was of concern for my privacy as my ex-husband should not have any access to my new loan information.
Ms . XXXX contacted me and stated she had contacted a back office person, who stated my ex-husbands name would not be removed. She stated it is possible they had not reviewed my loan, while I was on the phone she contacted the dept again. The response was the same. She then contacted her manager, XXXX XXXX XXXX Ext # XXXX, who expressed the same result. I was very agitated by this response and requested to speak with Ms. XXXX. XXXX understood my agitation and provided the number. I left a message with my home and office number for Ms. XXXX to contact me. I spoke with her and she stated simply that his name would not be removed, my loan was modified due to my past due status, his name was not on the home anyway and I had not qualified for the loan.
I was livid, to say the least, by her unprofessionalism and inconsideration. I explained to her as mildly as I could this is what I was told from the beginning and at the end of my process by Ms . XXXX. Additionally, my loan has never been late in 20 years, his name was removed from the property in XXXX of XXXX based on the Quit Claim Deed he signed as part of the divorce and I was told I qualified for the loan. What reasonable person, having completed the entire package, submitted sole documents such as Tax returns, XXXX, etc. followed all loan requirements would think she had not qualified for the loan. Her insensitivity and rude behavior was appalling. She was not client centric or sensitive to what I was told as her client. I followed all of their rules and was told this was not going to happen. I told her this was misleading and asked her to speak with her legal dept. She stated she is speaking for the legal dept. Lastly, she stated she had corrected the people involved. I asked how? She stated, She had spoken with Ms . XXXX about the incident. I was at a loss for words and we terminated the call.
It has taken me several months to write this letter as I discovered I was depressed behind this incident. It took me back because I thought I was moving forward in securing my home for my children and I after my divorce in XX/XX/XXXX. I had began to change my life and surroundings to reflect new beginnings, then this occurred. I did everything according to what the representatives requested. This is an unfair practice and I want them to honor what I was told, nothing short than to have my ex-husbands name removed from my mortgage and anything associated with this residence. I expect an immediate removal of his name.
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| 09/21/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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This complaint is against XXXX XXXX XXXX , XXXX. I was discharged from a five year bankruptcy sometime in late XX/XX/XXXX - XX/XX/XXXX. I began calling PHH Mortgage in XX/XX/XXXX to begin paying my mortgage through electronic transfer. I was told by PHH customer service representatives not to send any money until they sent me an invoice. I was also told by PHH that there would be no accumulation of payments. That when I received my billing statement, my monthly payment would begin at that time. I called PHH Mortgage several times per month and they kept switching me from one caseworker to another. Finally on XX/XX/XXXX, I spoke with a PHH service rep named XXXX. I explained to her that I had been trying to pay my mortgage to them for months and in addition to her, I was told if I send in a payment, that the payment would be returned. Her only advice was to call my caseworker and I told her that I had been calling this and that caseworker but they will not return my call. I explained to her that after six months of trying to pay my mortgage, that I was getting frustrated because I could not get any straight answers from anyone concerning paying my mortgage. I explained to her that I was recently discharged from a five year bankruptcy and that I was also told that these passing months would not be accumulative and that my payments would begin the month that I receive an invoice for a one month payment and moving forward from that point. I continued to call PHH Mortgage and finally on XX/XX/XXXX, I spoke with a PHH representative named XXXX who told me that I had not been paying my mortgage and I was being referred to collections. I explained my situation to XXXX and my conversations with other PHH representatives over a 7 month period and finally I told her that I was going to report their behavior to the Attorney General and Consumer Protection. Later that same day, I received a call from a lady named XXXX and I explained everything all over again to her. She told me to send my complaint and court order as a " Notice of Error '' to PHH Mortgage XXXX. XXXX XXXX XXXX, Maryland XXXX. She also told me that I should call HUD for counseling. I again explained to her how beyond frustrated I was after going back and forth with PHH Mortgage for seven months. Sometime around XX/XX/XXXX, I received four collection - threat letters all on the same day stating that I owed a lot of money in back payments and that I should contact my new and third or fourth PHH caseworker XXXX XXXX. I finally got a chance to speak with XXXX on XX/XX/XXXX after several calls and leaving messages. XXXX told me that if I could pay {$3600.00} by XX/XX/XXXX, I would be caught up and could resume my monthly payments. I explained to XXXX that a PHH Supervisor told me that when I received my bill it would be for one month and move forward from then. That there would not be an accumulation of back months. She explained to me that she did n't know anything about that and I asked her to read the narrations by the other reps I had been speaking to for eight months. Nonetheless, I agreed to pay the {$3600.00} but told her that I got paid on XX/XX/XXXX and could pay the amount then. She agreed and told me that there would be a {$17.00} processing fee so the total that I would have to pay was {$3700.00}. On XX/XX/XXXX, I called XXXX several times to make the payment and she never returned my calls. I ended up speaking to four PHH reps that day named XXXX, XXXX, XXXX and XXXX. XXXX told me that PHH would not accept my payment of {$3700.00} and that I needed to pay {$4400.00}. I explained again the agreement with XXXX but it did n't matter. I told them that I was going to get an attorney because this behavior is not fair and I believe unethical. I asked them were they trying to push me back into bankruptcy after I had worked hard for five years to get out. I was told basically to pay this money or I could lose my house. They would n't even agree to give me extra time to get the rest of the money. On XX/XX/XXXX, I spoke with a person named XXXX in the PHH Loss and Mitigation Department, which is what he told me. He was not nice and when I asked him what I owed, he told me to contact the law firm representing PHH Mortgage ( XXXX XXXX XXXX XXXX XXXX out of XXXX, Pennsylvania. The PHH lawyers had sent me a threat - foreclosure letter on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX, I contacted my newest caseworker named XXXX XXXX. I called XXXX XXXX many times and always receive the same voice-message that she is in training and to leave a message. The only problem is that you can not leave a message because the voice recorder says that her message box is full and will not take a message. On XX/XX/XXXX, I contacted the Neighborhood Housing Program, Action Housing, Consumer Financial Protection Bureau, Neighborhood Legal Services for support and advice. On XX/XX/XXXX, I met with a lawyer to discuss the legalities of my situation.
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| 04/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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DUAL-TRACKING COMPLAINT Dear Sir or Madam ; This complaint is about PHH Mortgage Services and XXXX XXXX XXXX XXXX illegal practices while allegedly providing Loss Mitigation service to a home owner in distress.
The following brief background may be appropriate. XXXX XXXX XXXX ( XXXX : XXXX ) ( XXXX or the Company ), a leading financial services holding company, announced on XX/XX/XXXX the completion of its acquisition of PHH Corporation ( PHH ), a mortgage platform with established servicing and origination recapture capabilities, effective immediately for approximately {$360.00} XXXX in cash or {$11.00} per diluted common share.
The close of this acquisition marks a new chapter in our history, and creates a strong non-bank mortgage servicer, positioned for growth, and better able to serve borrowers and loan investors, commented XXXX XXXX, Chair of XXXX Board of Directors. The newly combined company, as of XX/XX/XXXX, services approximately 1.7 million loans with an unpaid principal balance of over {$290.00} billion. In XXXX, the combined company originated more than {$3.00} billion of residential mortgage loans including reverse mortgages.
In connection with the completion of the acquisition, PHH did become a wholly-owned subsidiary of XXXX and the common stock of PHH was delisted from the New York Stock Exchange.
Accordingly, PHH Mortgage Services ( PHH ) and XXXX XXXX XXXX XXXX ( XXXX ) are sister companies and subsidiaries of XXXX XXXX XXXX, a financial services holding company which, through them services and originates loans.
OnXX/XX/XXXX, I XXXX XXXX the person making this complaint hired XXXX XXXX XXXX. from XXXX XXXX XXXX to represent him for a Loan Modification with XXXX. The house in question is located at XXXX XXXX, XXXX XXXX XXXX FL XXXX By XX/XX/XXXX the application papers were already completed and sent to XXXX for consideration.
OnXX/XX/XXXXa Trial Modification proposal was approved and sent to my attorney for review and considerationXX/XX/XXXX was the deadline to accept or reject XXXX offer.
After consulting with my attorney, onXX/XX/XXXX we rejected the offer and called XXXX to review their offer and request a consideration on the amount of the new monthly payment. The reason to not accept the proposal was that the propose Mortgage payment was a little too high in relation to my income. We try to explain XXXX that accepting that payment would put the property in foreclosure again very soon. XXXX only response was that the servicing of the loan was transferred in the middle of the loan modification to its sister company PHH Mortgage Services and that any further communications needed to be conducted with them.
On XX/XX/XXXX we finally got a confirmation that the Loan was transferred to PHH and that we needed to wait until the process to transfer was completed.
On XX/XX/XXXX we finally got a green light to proceed with a new application to request a Modification from PHH. ( Exhibit 1-4 pages ) In the middle of the process I received a Letter from XXXX, PHH, or XXXX XXXX Attorneys from XXXX, XXXX XXXX XXXX filing a Motion with the Court requesting a date for a XXXX sale of my home. The Motion was dated XX/XX/XXXX ( Exhibit Page 1 and Page 2 ( dual tracking ). The hearing took place on XX/XX/XXXXand my home is schedule for sale for XX/XX/XXXX.
On Thursday XX/XX/XXXX we finally sent a complete Modification PACKAGE as requested and agreed upon to PHH. PHHs review only took 2 days Friday and Monday. Application was denied by XX/XX/XXXX.
OnXX/XX/XXXX, I receive a letter from PHH datedXX/XX/XXXX denying my request for a loan Mortgage Modification ( EXH last page 7 ). The reason was that, I entered into a Trial Modification within the last 12 months. The Trial Modification gave me untilXX/XX/XXXXto accept the offer, but as stated before I rejected the offer on XX/XX/XXXX.
It seems that they never intended to approve any Modification and that PHH acted in bad faith in dealing with me because at the same time we were working on a Modification PHH was working on scheduling the sale of my home.
OnXX/XX/XXXX, my attorney timely appeal and requested PHH to review my application for a loan modification due to the fact that I never failed to meet the terms and conditions of the trial plan as I never accepted them from XXXX. Also, my attorney requested that PHH provide the terms and conditions for PHH loan modifications since they were claiming that I dont qualified because I rejected an offer in the previous 12 months.
Today,XX/XX/XXXXmy attorney received an email from PHHXXXX denying the Appeal.
This Complaint is a formal request to you, the CFPB, to review PHHXXXX Loan Modification program and mediate in the resolution of this matter so I may be able to keep my home.
Sincerely XXXX XXXX
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| 02/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American |
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This complaint is long overdue. I am a resident of XXXX XXXX, PA. I refinanced an existing 1st & 2nd loan that my husband and I had with XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX was supposedly my new lender and PHH Mortgage Servicing was to service both loans.
The 1st piece was a interest only1.2m10 yr ARM and the 2nd was a XXXX heloc. The 1st piece was securitized into XXXX XXXX. Unbeknownst to me, there was fraud in the origination, closing, recording, transfer and the servicing of the loan. I only began to discover the true nature of the transaction and the improper activity surrounding it after I became the victim of an engineered foreclosure by PHH Mortgage Servicers starting in XX/XX/XXXX. Summary judgement being improperly ordered in XX/XX/XXXX.
The institutions involved are : XXXX XXXX XXXX XXXX/XXXX ; PHH Corp., /XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX , XXXX., ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Some of the various addresses of the institutions include XXXX, Fl., XXXX XXXX, NJ., XXXX , MN, XXXX, NY, XXXX & XXXX County , PA .
The loan # 's are available upon request.
XXXX XXXX/XXXX, PHH Mortgage Corporation and its affiliated entities improperly force placed insurance on my non escrow mortgage loan several times from XX/XX/XXXX to current. They forced escrow increasing my mortgage payment by thousands of dollars. They also improperly paid property taxes when they were already being paid. They were refunded monies from the county and the insurance companies and never properly credited my account. I was forced to pay over {$80000.00} in false escrow arrearages under threat of foreclosure when they were already reimbursed by the reinsurer, XXXX & XXXX and the county. Even though I was paying for my own private homeowners insurance as well as my property taxes. At the same time, our eldest daughter was involved in a XXXX auto accident XXXX XXXX XXXX and rendering her XXXX XXXX. She had the same XXXX as XXXX XXXX and required lengthy and expensive XXXX. Not only did PHH not respond to my requests for help during this horrific time, but my innumerable calls and requests to correct their records were ignored and they finally engineered my default because I finally refused to keep paying unless they correct their records and accounting and properly credit my account returning my mortgage payment to the original amount. Little did I know, this was their business plan even before the loan closed. PHH filed foreclosure. I made a time sensitive cash offer to pay the loan in full thru an attorney. They ignored it and without my knowledge both PHH counsel and my counsel removed me from the XXXX County diversion program while I was still in the midst of negotiations. A default judgement was entered erroneously stating that my counsel did not make an appearance ... which he did. I fired my attorney and then was forced to represent myself pro se. During the process, I uncovered frauds that I could never have even imagined with complicity at all levels in the origination, recording and servicing of the 1st loan as well as the 2nd. There was never a trial. I lost in the lower court and unsuccessfully appealed to the Superior as well as unsuccessfully petitioning the Supreme Court in XX/XX/XXXX as a pro se appellant. Unncovering even more frauds all the while. I then was forced to file an Individual Chapter XXXX bankruptcy to stay the sale of my family home. I was included in the XXXX XXXX class action againest PHH and opted out in XX/XX/XXXX hoping to preserve my right to pursue a private right of action, which I haven't been able to do yet. My BK attorney refuses to file any objections to the PHH POC even though it is full of errors and misstatements to the tune of {$400000.00}, as well as fraudulently fabricated allonges. He is forcing me to negotiate with PHH by threatening to withdraw from my case, postponing evidentary hearings, not filing monthly reports and refusing to communicate with me despite the sanctionable actions by opposing counsel in the POC. I can not find substitute counsel that is willing to jump in at this late stage. I am at my witts end. Apparently its not worth prosecuting the long list of frauds given the lean of the judiciary. I have paid a fortune to XXXX XXXX/XXXX & PHH in improper overcharges, XXXX and now attorney fees. I have been robbed, not just by PHH but by the complicity of their affiliates, their attorneys and the court system that just keeps giving them a pass. It's literally court sanctioned grand larceny. All supporting documents and pleadings are available.
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| 05/09/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I need a CFPB investigator to get involved in this as soon as possible. This is the fourth time I have had to submit this complaint and PHH refuses to take the appropriate actions to fix the issue and comply with the laws and their own documents. I have spoken with CFPB representatives who assured me that I am correct in my analysis of this situation but they said they couldn't do anything and an investigator needed to get involved to take action against PHH.
PHH is not in compliance with the Real Estate Settlement Procedure Act ( RESPA ), 12 CFR 1024.17, or their own frequently asked questions ( FAQ ) that they send out. They refuse to look into this and just claim, falsely, that they are in compliance, even though all facts show that they are not.
I have attached a copy of the most recent FAQ that they sent out. It is in compliance with the federal regulations, but PHH is not even following their own documentation in this matter. I can not be the only homeowner affected by this. Per the PHH FAQ : We list all possible disbursements or expenses such as property taxes or insurance premiums to be paid on your behalf for the next 12 months. We take the total and divide the amount by 12 payments. Total anticipated disbursements divided by 12 payments equals the Monthly Escrow Payment. PHH knows, and has never denied that I have paid my XXXX real-estate taxes. The anticipated disbursements, as shown on the PHH escrow analysis are {$1800.00}. XXXX = {$150.00} and not the {$420.00} that PHH is charging me each month. On XX/XX/XXXX, I informed PHH that I paid my taxes in the amount of {$3300.00} for the year XXXX. I was instructed to fax in proof of the payment, which I did on XX/XX/XXXX, but due to a backlog of such requests PHH didnt mark it as received until XX/XX/XXXX. I did make several follow-ups and was told each time it was in process. PHH states in their response However, the Real Estate Settlement Procedure Act ( " RESPA '' ) requires the collection 1/12th of the total taxes and insurance billed. The total amount projected to be paid for taxes and insurance in XXXX is {$5100.00}, so {$420.00} is required to be collected each month according to the RESPA regulation and is unable to be altered if the bills are prepaid. This is not true for several reasons. First off, the projected amount to be paid in taxes and insurance in XXXX {$1800.00}, as shown on the PHH Escrow analysis the provided and that is attached. ( {$230.00} & {$140.00} for taxes in XX/XX/XXXX, {$1400.00} for insurance in XX/XX/XXXX ). PHH admits in their first response We then updated our system to reflect that the next county tax bill will be due in XX/XX/XXXX. They know there are no taxes, and nothing more than {$1800.00} due until XXXX of XXXX and they freely admit that. The second reason their response is not true is that per RESPA page 12 : Shortages, Surpluses, and Deficiency Requirements12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ). Per 12 CFR 1024.17 ( f ) C. 1. ii.Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. PHH does not reasonably anticipate paying taxes until XX/XX/XXXX as they freely admit. PHHs own FAQ on how escrow accounts are calculated says that they add together what they expect to pay within 12 months, and divide that by 12 to determine the monthly payment. That would be in accordance with RESPA and CFR guidelines, but in this case, they are including amounts they admit they know they wont be paying within 12 months. PHH even goes on to explain that I can submit for other off cycle analyses of my account to get the amount of overpayments refunded. This does not make sense to continue to overpay and then request refunds. Page 3 of the PHH escrow analysis clearly shows overpayment in XXXX of a total of {$3700.00}, with nothing due until XX/XX/XXXX. The CFR can be accessed at : https : //www.consumerfinance.govXXXX XXXX XXXX The RESPA guidance can be accessed at : https : //www.federalreserve.gov/XXXX and it is attached.
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| 05/22/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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COMPLAINT XXXX BELOW REMAINS UNRESOLVED. YEAH COMPANY RESPONDED BUT DID NOT CORRECT THE PROBLEM ALL COMMUNICATION GOING FORWARD WILL BE DONE THROUGH THIS WEBSITE. I AM NOT CALLING THREE DIFFERENT 800 NUMBERS TO GET NO WHERE AND HAVE NOTHING RESOLVED PLUS I AM NOT CALL AND SPEAKING TO AN INDIVIDUAL OUTSIDE THE UNITED STATES AND EXPECT TO HAND OVER PERSONAL CONFIDENTIAL INFORMATION TO SOME ONE WITH 10 FIRST NAMES.
THIS IS A TRIAL PLAN AS AS A TRIAL PLAN HAVE 30 DAYS TO SUBMIT MY TRIAL PLAN PAYMENT ITS NOT DUE ON THE FIRST OF THE MONTH. THE TRIAL PLAN WAS NOT REVOKED ON XX/XX/XXXX BECAUSE PHH DID NOT OWN THIS ACCOUN T. HOW STUPID ARE THE PEOPLE AT PHH UNTIL THE ACCOUNT NUMBER IS FIXED AND THE CONCERN ADDRESSED BELOW ARE FIXED I WILL CONTINUE COMMUNICATION THROUGH THIS WEBSITE TO GET THINGS RESOLVED. EXPECTING ALSO TO TAKE THIS TO MAKING HOMES AFFORDABLE COMPLAINING ABOUT PHH. ALREADY HAVE TAKEN THIS TO THE NEW JERSEY XXXX XXXX XXXX. PREPARE FOR THE BACK LASH AND THE COMPLAINTS. PHH MESSED UP NOT ME. TRIED 5 ATTEMPTS TO MAKE THE MORTGAGE PAYMENT AT XXXX XXXX ANS IT WOULD NOT ACCEPT THE ACCOUNT NUMBER. TRIED TO MAKE THE PAYMENT OVER THE PHONE BUT THEIR PHONES WERE SHUT DOWN BEFORE THEIR CLOSING TIME OF XXXX XXXX. PHH NEEDS TO GET THER XXXX TOGETHER My mortgage service merged from XXXX XXXX to XXXX XXXX. They have absolutely the worst service. I thought XXXX was the XXXX in the toliet bowel. Not now, XXXX is below that, they are the XXXX in the septic tank. I received my introduction package a week ago and the information contained in the documents were incorrect. The trial paln mortgage payment was incorrect and when I contacted XXXX after 2 attempts and rude individuals they told me that was the information that was available at the time of transfer. That information is incorrect becuase XXXX approved me for a trial plain 2 months ago. My trial plan payment was to be {$1700.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Yesterday, XX/XX/2019 I went to my XXXX XXXX office to make my quick collect payment. After nearly 5 attemtps trying to set up my quick collect same day I was informed that the NEW ACCOUNT NUMBER provided by XXXX XXXX is incorrect and does nut match the BILLER entity which in this case would be XXXX XXXX. I spent 45 minutes of my lunch hour trying to get this straightened pout by callin XXXX and the attempts went unsuccessful. First there are 3 phone numbers none of which anyone was helpful. One of the phone number is outside the United States of America.XXXX. I do not provide my personal information to anyone outside the United States and WILL not in this case. In an case the women could not help me and transferred over the the US and the call was LOST. I then proceeded to call back XXXX, and still the same situation, no one could help me or either explain to me why I was receiving the XXXX XXXX XXXX XXXX error with my NEW ACCOUNT NUMBER. I asked to speak with a manager, I was transferred and the call was lost for a second time. GREAT SERVICE SO FAR HUH???? I called back for a 3rd time now going on 45 minutes and received XXXX ID # XXXX, XXXX was unable to help me. He spoke with his supervisor and they did not know why I was getting the XXXX XXXX Error. He said I could make the payment over the phone using my checking account information which I am hesitent about, because never ever are the trial plan payments allowed to be paid by checking account. ONLY XXXX XXXX XXXX XXXX, BANK CHECK OR CERTIFIED FUNDS TRANSFER. IN THIS CASE NONE WOULD OF WORKED BECAUSE OF THE WRONG ACCOUNT NUMBER POROVIDED BY XXXX XXXX XXXX INFORMED ME THAT THEY ARE OPEN TILL XXXX IN THE EVENINGS SO I CALLED BACK WHEN i ARRIVED HOME FROM WORK AT XXXX XXXX. ALL 3 PHONE NUMBER S FROM XXXX XXXX TILL XXXX XXXX WERE UNAVAILABE AND HAD A WAIT TIME OF 20 MINUTES WHICH WAS THE REMAINING TIME LEFT TILL XXXX XXXX CLOSED IN NEW JERSEY OFFICES. GREAT SERVICE HUH????? AS A RESULT I STAYED ON HOLD TILL XXXX XXXX UNTIL WHICH A MESSAGE CAME ON TO PRESS 1 FOR A CALL BACK. THIS IS XXXX, XXXX CLOSED EARLY AND DID NOT HAVE THAT PEOLPLE TO HANDLE CALLS OR ACCEPT PAYMENT. XXXX MADE ME MISS MY FIRST TRIAL PLAIN PAYMENT AND NOW HAVE TO APPLY FOR ANOTHER MODIFICATION TRIAL PLAN AS A RESULT FOR THEIR XXXX SERVICE. I WILL ALSO BE SUBMITTING THIS COMPLAINT TO THE XXXX XXXX OF NEW JERSEY. THIS SERVICE AND XXXX XXXX IS COMPLETE NONSENSE AND THIS SERVICER NEEDS TO BE INVESTIGATED ... ....
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| 06/04/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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After submitting my application and paperwork in XX/XX/XXXX, I was granted a Trial Modification from XXXX XXXX XXXX XXXX in XX/XX/XXXX. This account has been placed in a Trial Modification Plan. The trial modification required 3 installment payments the 1st due is XX/XX/XXXX in the amount of {$720.00} during the term of the Trial Modification Plan I had to make three payments on time before the modification becomes permanent. First Payment was made XX/XX/XXXX for XXXX, I received a letter dated XX/XX/XXXX advising that XXXX XXXX XXXX has joined forces with PHH Mortgage Services, a mortgage company with well-established mortgage origination and servicing capabilities. XXXX Effective XX/XX/XXXX, PHH will be the new servicer for this account and will be collecting the mortgage payments going forward. As a result, we will be consolidating all mortgage accounts into one company, PHH Mortgage Services ( PHH ). On XX/XX/XXXX I amde the payment to XXXX since it was before XX/XX/XXXX..
Please rest assured that XXXX will be here through this transition. Together, XXXX and PHH stand ready to assist in any way we can. For any questions regarding the transition, please call XXXX. I was given a new account number was was told that Due to this transfer, the account number will change. The XXXX account number is XXXX, and the new PHH account number will be XXXX.
During the first week after XX/XX/XXXX, no transactions can be made on the account while PHH verifies the accuracy of all account information in its system. As soon as this process is completed, the account will be activated and you will receive a welcome letter from PHH. During the 60-day period following the transfer date of XX/XX/XXXX, any payment received by XXXX on or before its due date will not be treated as late by PHH and no late fee will be charged. After XX/XX/XXXX, your Relationship Manager, XXXX XXXX can be contacted by calling the PHH Customer Care Center at XXXX and requesting to speak with him/her. I called PHH requesting to speak with XXXX XXXX who was not available, instead I spoke with XXXX ID # XXXX who advised me that the Trial Modification did not come over complete and I must still make XXXX 's payment and wait for PHH to contact me. So I made XXXX 's payment on XXXX XX/XX/XXXX to PHH over the telephone XXXX Withdrawal-ACH-A-PHH TELPHHMORTGAGE SVCS ( PHHMTG SVC ) ( {$720.00} ) Confirmation # XXXX I called again on XX/XX/XXXX to speak with XXXX XXXX who was not available and spoke with XXXX Id XXXX XXXX who confirmed that all three payments were received and that the permanent modification was under review. That I should receive the permanent modification with the new payment amount by XX/XX/XXXX. That I would not be able to make a payment online or over the telephone like I did previously because the modification is not permanent. I asked what new payment amount - she replied that the amount can change since the turnover and stated she could estimate an amount of {$780.00} which was more that what XXXX and I agreed too. I then asked Since XXXX is the former servicers and sent PHH the information for you to accept my final trial payment regarding the loan modification discussions as well as any agreements that have been made. Then PHH must also ensure that it follows loan modification agreements that are already in place. She advised me that is not the case the amount can change. And I should wait the the documentation to sign/notarize and send back with my XXXX payment. If payment is not received I can be placed in foreclosure status.
On XX/XX/XXXX, I called again to speak with XXXX XXXX who was not available and spoke with XXXX ID # XXXX who advised me that my permanent loan modification was review was delayed because the amount of loans they acquired from XXXX. That there was nothing noted about my loan in review status or a new payment amount and the PHH is well aware of the delay in processing. I asked should I sent a payment in - he stated no wait for the paperwork and that I would not be penalized.
I have not received nothing regarding my loan modification, I have three on-time payments during this period, PHH has accepted a payment under the modification terms agreed upon with XXXX prior to the loan transfer and 60 day transfer period from XX/XX/XXXX is XX/XX/XXXX. I am worried ... I do not want my house to be placed in foreclosure.
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| 04/19/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I need a CFPB investigator to get involved in this as soon as possible. PHH is not in compliance with the Real Estate Settlement Procedure Act ( RESPA ), 12 CFR 1024.17, or their own frequently asked questions ( FAQ ) that they send out. They refuse to look into this and just claim, falsely that they are in compliance, even though all facts show that they are not.
I have attached a copy of the most recent FAQ that they sent out. It is in compliance with the federal regulations, but PHH is not even following their own documentation in this matter. I can not be the only homeowner affected by this.
Per the PHH FAQ : We list all possible disbursements or expenses such as property taxes or insurance premiums to be paid on your behalf for the next 12 months. We take the total and divide the amount by 12 payments. Total anticipated disbursements divided by 12 payments equals the Monthly Escrow Payment. PHH knows, and has never denied that I have paid my XX/XX/XXXX real-estate taxes. The anticipated disbursements, as shown on the PHH escrow analysis are {$1800.00}. XXXX = {$150.00} and not the {$420.00} that PHH is charging me each month.
On XX/XX/XXXX, I informed PHH that I paid my taxes in the amount of {$3300.00} for the year XX/XX/XXXX. I was instructed to fax in proof of the payment, which I did on XX/XX/XXXX, but due to a backlog of such requests PHH didnt mark it as received until XX/XX/XXXX. I did make several follow-ups and was told each time it was in process.
PHH states in their response However, the Real Estate Settlement Procedure Act ( " RESPA '' ) requires the collection 1/12th of the total taxes and insurance billed. The total amount projected to be paid for taxes and insurance in XX/XX/XXXX is {$5100.00}, so {$420.00} is required to be collected each month according to the RESPA regulation and is unable to be altered if the bills are prepaid.
This is not true for several reasons. First off, the projected amount to be paid in taxes and insurance in XX/XX/XXXX{$1800.00}, as shown on the PHH Escrow analysis the provided and that is attached. ( {$230.00} & {$140.00} for taxes in XX/XX/XXXX, {$1400.00} for insurance in XX/XX/XXXX ). PHH admits in their first response We then updated our system to reflect that the next county tax bill will be due in XX/XX/XXXX. They know there are no taxes, and nothing more than {$1800.00} due until XXXX of XXXX and they freely admit that. The second reason their response is not true is that per RESPA page 12 : Shortages, Surpluses, and Deficiency Requirements12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ).
Per 12 CFR 1024.17 ( f ) C. 1. ii.Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account.
PHH does not reasonably anticipate paying taxes until XX/XX/XXXX as they freely admit. PHHs own FAQ on how escrow accounts are calculated says that they add together what they expect to pay within 12 months, and divide that by 12 to determine the monthly payment. That would be in accordance with RESPA and CFR guidelines, but in this case, they are including amounts they admit they know they wont be paying within 12 months.
PHH even goes on to explain that I can submit for other off cycle analyses of my account to get the amount of overpayments refunded. This does not make sense to continue to overpay and then request refunds. Page 3 of the PHH escrow analysis clearly shows overpayment in XXXX of a total of {$3700.00}, with nothing due until XX/XX/XXXX.
The CFR can be accessed at : https : //www.consumerfinance.govXXXX XXXX XXXX The RESPA guidance can be accessed at : https : //www.federalreserve.govXXXX and it is attached.
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| 05/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have had a mortgage with PHH Mortgage, administered through XXXX ( XXXX ) since XXXX. Throughout the entire life of the mortgage, I have made monthly payments through XXXX Bill Pay, where I have an investment account. Approximately 3 weeks ago I made the decision to pay-off my mortgage, so I used the loan pay-off amount from the XXXX website. The pay-off amount, as of XX/XX/XXXX was {$120000.00}. Since XXXX Bill Pay is limited to {$100000.00} daily payments, I scheduled a {$100000.00} payment for XX/XX/XXXX and scheduled the remaining {$21000.00} for payment on XX/XX/XXXX. The XX/XX/XXXX payment was confirmed by XXXX as : Confirmation XXXX. While PHH / XXXX confirmed the {$21000.00} payment scheduled for XX/XX/XXXX, they did not confirm receipt of the {$100000.00} payment.
I used the XXXX online customer service link to report this issue on XX/XX/XXXX ( # XXXX ). I received an email from XXXX at XXXX XXXX on XX/XX/XXXX promising a response within 24 hours M-F. I did not receive a response within 24 hours, as promised. I also follow up with XXXX to report the issue, and they advised that PHH refused to discuss the situation with them. On XX/XX/XXXX I called PHH / XXXX and reported that I was trying to pay off the mortgage, explaining that the {$100000.00} payment was never acknowledged, although the {$21000.00} payment was credited. The customer service representative did not tell me about any special processes required for pay-off, nor does the Pay-off application on the XXXX website advise of special payment instructions.
I contacted XXXX to stop pay on the initial {$100000.00} payment so that I could issue a new payment. Given the time-lag for XXXX to issue payments, I obtained a new pay-off amount for XX/XX/XXXX, which was {$1000.00}. Again, I entered a {$100000.00} payment to be delivered to PHH by XX/XX/XXXX with the remaining {$99.00} to arrive by XX/XX/XXXX. Finally, on XX/XX/XXXX I got a response to my XX/XX/XXXX report noting that their records showed that I had spoken with a customer service representative.
Once again, the subsequent payment ( {$99.00} ) has been credited by PHH / XXXX, but the XX/XX/XXXX payment of {$100000.00} has not been credited. Again, I reported the situation on the XXXX website ( # XXXX ), and again received an immediate email response at XXXX XXXX on XX/XX/XXXX promising a contract from customer service within 24 hours Monday - Friday. Finally, I received a response today ( XX/XX/XXXX ) referencing my contact on the first report and ignoring my report of this situation occurring a second time. When I tried to reply to the message to point out their mistake, the email bounces back as undeliverable.
It should be noted that my payments, through XXXX Bill Pay, are sent to a PO Box in XXXX, PA. Yet when using the XXXX customer service, all correspondence appears to be routed offshore, as I am corresponding with a representative named XXXX XXXX. If that is in fact true, how would Ms. XXXX have any personal knowledge of what is happening with the XXXX, PA mailbox?
Please note that for the first time, Ms. XXXX advised that I need to order a pay-off statement from XXXX. I don't know why I was not told this on the earlier telephone call. Further, when I go online to order the payoff statement as directed, the link does not work ( see error print-out, attached ).
Because PHH claims they didn't receive the first {$100000.00} payment, I was forced to send an additional {$99.00} in interest to pay-off the mortgage as of XX/XX/XXXX. Another payment of {$100000.00} was issued through XXXX Bill Pay ( Confirmation XXXX ), since the {$100000.00} payment has not been credited, my monthly mortgage payment of XXXX is due, and there will be even more interest due for some future pay-off date.
I would like for you to intervene on my behalf and see if you can find out why almost 6 years of monthly payments on my mortgage have been routinely credited, why payments of {$21000.00} and {$99.00}, issued at the exact same time as two separate payments of {$100000.00}, have been credited, yet PHH / XXXX deny receipt of either {$100000.00} payment.
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| 06/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage states in its loan documentation, " any application of payment, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. '' Unfortunately, this wording in the Deed of Trust is inconsistent. For example, by making an additional payment to principal and keeping the monthly periodic payment constant, the loan will be paid off before the maturation date of the 15-year loan. This means that many of the latter Periodic Payments will not need to be paid ( becoming void ). Thus, their due dates will effectively be brought closer to the present day, meaning their due dates will have changed ( violating the provisions of the loan ). Alternatively, with the loan having been paid off early, these last periodic payments ' amounts will have been decreased to XXXX , and thus the amount of these particular periodic payments will have changed ( again, violating the provisions of the loan ). As you can see, either of these interpretations results in violating the provisions of the Deed of Trust. Therefore, because of the poor wording of this provision, any additional payment applied to the loan will result in this provision of the Deed of Trust being violated. I should not be penalized or restricted if the Deed of Trust was not worded properly or competently. The poor choice of words should also not allow PHH Mortgage to force me to utilize how the Periodic Payments are to be revised when I make an additional payment. In my case, I wanted the Periodic Payment amounts to be reduced and the due dates not altered in any way, but PHH Mortgage insisted that the Periodic Payment amounts be held constant and the due dates of many of the Periodic Payments erased ( or the amounts of the latter Periodic Payments changed to XXXX ). Why should PHH Mortgage be allowed to pick how the additional payment is to be applied, and to charge me {$300.00} if I want the payment to be applied the alternate way? It was PHH Mortgage 's error in wording, and yet I am to pay the penalty for their incompetence? Because of this, I believe it is only right that PHH Mortgage be assessed their charge of {$300.00} because they chose to alter the Periodic Payments to their liking and advantage. Further, since they unilaterally made this decision without my knowledge, they need to compensate me an additional {$300.00} because of the financial harm done to me when the full Periodic Payment amounts continued to be automatically withdrawn from my bank account after I expected them to be substantially reduced -- I had to scramble and perform non-ideal money transfers to make sure my checking account was not overdrawn and bouncing checks with my other creditors, possibly damaging my standing with them and my general credit rating. PHH Mortgage has demonstrated their sloppiness in handling my loan in many other ways. PHH Mortgage suddenly stopped sending out monthly mortgage statements ( to all of their clients ). Instead, they started sending out emails that referred to digital monthly statements on their website. However, there never was a comprehensive, itemized statement provided on the website. ( My wife 's attorney asked for such a statement, but I could not provide it. ) That glitch was fixed late last year, and bec ause of complaints that customers did not have access to any monthly statement, they resumed sending out paper statements in the mail. Are n't there regulations stating minimum requirements for the lender to inform their mortgagee of the status of their loan? What penalties does a lender suffer when these requirements are blatantly and significantly violated? What is even more disturbing than the sloppiness and error-prone practices of PHH Mortgage is their attitude when a client exposes their practices and inadequacies, and complains about the harm done to them. They deny any wrongdoing, and make it clear that they intend to continue on without any corrective action. Please do n't allow them to do this. Please incentivize them to clean up their act!
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| 01/10/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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PHH Mortgage Corporation, Plaintiff VS. XXXX XXXX, Defendant XXXX County Previous case # XXXX, dismissed New Case # XXXX on XXXX/XXXX/XXXX, now changed to XX/XX/XXXX because the attorneys say they did not get a copy of the Motion to Dismiss that I sent them.
PHH started a case against me for foreclosure in XX/XX/XXXX, which was dismissed and now they started a new one about a year later in XX/XX/XXXX. As my document shows, PHH Mortgage shows they sold my loan to a company called XXXX in Florida In XX/XX/XXXX. XXXX shows that they are still, however, the servicer, meaning they collect the payments but no longer own the loan.
I have always made my mortgage payments, never missed a single one until I was advised by the company to skip payments and go through a trial payment process. I followed everything PHH told me to and now I am having to fight for my familys home. As the trial payment letter states I was to make 4 payments for XX/XX/XXXX- XX/XX/XXXX, which were all made on time and collected by PHH . I even made 1 additional payment in XX/XX/XXXX because I had no response from the company on what else to do and I could not reach anyone by phone after multiple tries. The next letter I received showed that they were returning some of the money I paid. I received a check for {$2000.00}, and was told that no more payments would be received and I now needed to pay the full loan balance or my home would be foreclosed on. The checks were cashed months before and were sufficient to make a regular and/or trial payment, but the payments were never applied.
During my trial payments I was continuously receiving foreclosure notices saying they were not receiving payments, although my checks were being cashed and when I called and was able to reach PHH, they told me everything was fine and they payments were received and the notices were sent by mistake.
In the first case, XXXX, the case was dismissed because PHH had sold my loan indicated by the letter they sent me. Now, they come back in XX/XX/XXXX7 with a similar case, but documents are changed. There were 3 pages to my original note which are indicated by the numbering at the bottom of the document. 2 pages with the title Allonge are now added. Both Allonge pages are both signed by XXXX XXXX, Assistant Vice President of PHH Mortgage. The 2 additional Allonge pages have falsely been created and added by the Plaintiff to show some type of transaction, but they show no date to when this transaction happened. An allonge is only added to an original note when there is not sufficient room on the note, this is not the case with these 2 added pages. These Allonge pages were falsely added by the Plaintiff to mislead the court.
There also appears to be an alteration by another Assistant Vice President of PHH Mortgage Corporation, XXXX XXXX, to the note on page 3. This was not on the document in the first case, as a matter of fact, in PHHs Response to motion to dismiss Plaintiffs Complaint, the attorneys state that The Note executed by the Defendant in favor of the Lender has not been endorsed in any way.
Further, PHH has submitted to the court of XXXX County, Oklahoma, a Corporate Assignment of Mortgage PHH Created the document and has submitted the document to the court in XXXX County, OK.
The document is created by XXXX XXXX, an employee of PHH Mortgage The assignment happened on XX/XX/XXXX after the sale of the note from Plaintiff to XXXX on XX/XX/XXXX. The alleged assignment in XX/XX/XXXX shows it to be between XXXX, the defendant, and the Plaintiff from the original mortgage document dated XX/XX/XXXX. This date of XX/XX/XXXX happens to be just before the execution of the previous case by Plaintiff on XX/XX/XXXX. This course of events does not make any sense, if the loan was sold to XXXX in XX/XX/XXXX, how is there an assignment 2 months later in XX/XX/XXXX allegedly giving some right to the Plaintiff from the original date of XX/XX/XXXX?
XXXX is not a party to my case and XXXX has no financial interest in my mortgage.
XXXX currently shows my note owned by XXXX , XXXX, formerly XXXX.
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| 05/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My home was damaged by a sudden and accidental pipe burst on XX/XX/XXXX. My insurance company issued a check for repair of my home on or about XX/XX/XXXX. I forwarded the check to my mortgage company, PHH Mortgage on XX/XX/XXXX. Meanwhile I was financing the repairs to my home with my own money because the night of the flood I had signed contracts for restoration and demolition, and the next day, for repairs. All of the restoration, demolition, contents and repair companies are affiliated with each other, and just showed up at my house. The insurance company did not tell me there was a list of preferred providers, and these guys were not on that list, so I was liable for the money under the contracts, myself. Some worked through my insurance company others did not and demanded progress payments, so I made progress payments. I was in contact with the PHH Mortgage Loss Draft unit and was told that if I submitted a litany of documents, they would release funds to me. I began to submit documents. You can not directly submit them, you have to upload them to their website, and even then they profess that it will take 2 to 3 business days just to associate the documents with your account. Then, PHH Mortgage would reject documents for the most inane reasons. One of my documents, a contractor 's substitute XXXX form, provided by PHH Mortgage, was filled out by my tile contractor, and he did not put the zip code on his business address. It was rejected for that. PHH Mortgage does not call you or otherwise communicate with you to let you know documents were rejected, you have to check the status through the website. As a consumer, you can not see the documents once you upload them, and you are not aware of what precise document was rejected, so you have to call them. Every single call results in some other process that takes " 3 to 5 business days '' to correct. I was told funds would be released to me when I had an inspection. I had an inspection. The inspector certified 75 % work was complete. I was told I should be eligible for release of 75 % of my insurance check. At some point very late in the process, I was told that they were going to issue 2 party checks to me and my contractors. No one had told me that before. I had been paying them. They would not release funds to me, only, even though I had paid the contractors. They said they could reimburse me for what I had paid when I could produce evidence of " paid in full. '' I submitted all my cancelled checks. That wasn't good enough. I had all of the contractors issue me invoices that said paid in full. I submitted cancelled checks, and paid in full receipts on Monday for my flooring contractors ( totaling approx. {$20000.00} ). Today, Wednesday XX/XX/XXXX, they rejected a cancelled check as evidence of payment to my tile contractor. I am over {$30000.00} into the repair of my home with my own money and my insurance company has paid on my claim over a month ago. My home is nearly complete. There is absolutely no evidence of fraud on my part, all my contractors are getting paid, the inspector has certified 75 % work complete, and took pictures. Then, it started to dawn on me ... this is not about sufficient evidence - this is about intentional delay. My theory is they are earning interest on consumer 's insurance checks and refusing to pay out. I could understand getting wrong information a few times, or a few delays, but the incompetency and constant delays have been so persistent that they really can't be explained, other than they are about delay. Is there no rules in place to regulate these guys when they hold your insurance money hostage? I am completely out of money. I still owe contractors who did restoration work and who can not get full payment from my insurance company. They are threatening to send me to collections for any amounts not paid by my insurance. I need help. I have money to pay everyone and to make myself whole. PHH Mortgage is unreasonably withholding funds due me. I need this money to complete the work on my home and allow my family to move back in.
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| 07/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX/XXXX/15 a regularly scheduled mortgage payment was sent to my servicer. On XXXX/XXXX/15, I checked up on the account only to find that my mortgage payment amount had increased from {$800.00} to {$890.00}. I was not notified of this change ; I was sent the same generic form email that I receive every month letting me know an online statement was available. Upon realizing the short payment, I immediately contacted the servicer, PHH Mortgage, to let them know what had happened. The {$800.00} had been put in suspense, and I was told that once they had received the remaining {$95.00} due, the entire amount would be applied as a regular mortgage payment due XXXX/XXXX/15. I was told this would take the balance of the week to apply. I immediately scheduled the {$95.00} out of checking and it was paid to PHH XXXX/XXXX/15.
I received calls from an XXXX number I did not recognize. They eventually left a message stating that they were from PHH Mortgage 's collections department and left a number to call ; This was XXXX/XXXX/15. We contacted PHH at the number given and were directed to customer service through the main phone tree. It was at that time that the rep told us that we had an amount, {$95.00}, in suspense and they needed to know where to apply it. We explained what that amount was for, but were told that the payment for XXXX/XXXX/15 had been satisfied ... We directed the rep to apply the {$95.00} to principal, if it was indeed an overpayment.
The next day, XXXX/XXXX/15, we received a letter USPS dated XXXX/XXXX/15 stating that our account was delinquent and to contact PHH at the same number left by the collections deptartment by voicemail. As the offices were closed that day, Friday, for the XXXX, we were unable to reach PHH until Monday XXXX/XXXX/15. ( We were able to request a waiver of later fees via the automated phone system on XXXX/XXXX/15. ) At that time we had a lengthy conversation with a rep calling herself " XXXX XXXX ''. By that time, a payment due XXXX/XXXX/15 had been sent and they applied it to the amount due XXXX/XXXX/15. The {$800.00} had been applied to principal without direction, and the {$95.00} was in suspense, where is remains to this day. By the end of this conversation, we were assured that the payments {$800.00} and {$95.00} would be reversed from their status as Principal payment and Suspense balance, late fees would be reversed, and we would receive an authorization form for PHH to release information to a party not listed on the loan documents. ( We have asked for this document for three years at this point and never received it. ) We were told, again, to look for the authorization form and corrections to the account by the end of the week.
We did, indeed receive, the authorization form in the mail that Saturday XXXX/XXXX/15. During the week of XXXX, we also received a letter confirming the waiver of late fees. We assume this was a process initiated by automated request for waiver of fees on XXXX/XXXX/15, as we now have another round of late fees on our account.
I have made numerous email contacts for updates on the status of the corrections to be made to this account. Allegedly, the process of reversing these misapplications was initiated XXXX/XXXX/15, one day after our contact with " XXXX XXXX '', and at some point I received a followup email stating it would take 7-10 business days for the payments to be applied. Tomorrow is XXXX/XXXX/15, ten business days from the last time we spoke to PHH and more that 7 weeks since this matter was supposed to have been addressed. As I stated, we now have another round of late charges on our account, and no sign that these corrections have been made. I receive XXXX calls a day from PHH 's main number only to be disconnected when I answer the phone. I have sent an email to XXXX, and an Escalation department at PHH.
We did not choose our lender or servicer and will refinance to get our loan away from this company and XXXX if need be.
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| 08/28/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I bought my house in XXXX XXXX. From that time, until XXXX XXXX, I never missed a payment and never paid late. I was paid once a month, on the last day of each month, and would use that check to make my payment due on the first. For example, my XXXX check would be used to make my XXXX XXXX payment, my XXXX XXXX check was used for my XXXX XXXX payment, and so on.
In XXXX XXXX, this changed because my bank account was illegally accessed, completely cleaning it out. Fortunately, I 'd already made my XXXX XXXX mortgage payment before this happened, so I was fine for that month. However, because I now had to wait until my next check to pay my other bills, I was set back with my mortgage payment. This meant that my paycheck at the end of the month would go toward the month that already past. I had to use my XXXX XXXX check to pay my bills for the month that passed, not for my XXXX XXXX mortgage payment, so I had to wait for my XXXX XXXX check to make the mortgage payment that was due on XXXX XXXX.
For the next year, I was in a cycle of making my mortgage payment at the end of the month. Each month, I had to pay a late fee, but I was determined to at least avoid having a 30 day late pay on record for my mortgage.
Meanwhile, I tried to make arrangements with creditors to get back on track. Most, were able to work with me. For example, my car loan company moved one payment to the end of my loan, allowing me to skip one payment so I could get back to paying for the upcoming month, instead of the month that had passed.
In XXXX XXXX, I contacted PHH to see if I might be able to make the same arrangement with my mortgage payment. The told me I could n't do that, but they could do a loan modification. To do so, they told me they 'd give me a lower payment that I 'd need to make over a 4-month trial period. Once I 'd shown I could make that payment, my payment would be reduced to that amount permanently.
I did this for 4 months, but there was still no resolution as far as getting me back on the pay schedule I was on before. I contacted a conventional loan company just to get information. When they looked into my credit, they informed me that according to PHH, I was now 4 months late on paying my mortgage. I contacted PHH and they told me that was true and that even though I 'd followed what they told me, I was now considered to be 4 months behind. They also told me that my new " modified '' loan payment would be less each month, but my interest rate would increase.
In XXXX XXXX, since I was now considered to be behind on my loan, I asked what my options were. They told me they 'd put me on a Repayment Plan where I 'd need to make essentially a double mortgage payment due XX/XX/XXXX, then make five monthly mortgage payments that were XXXX % higher than my actual mortgage payment. Once I 'd made all 5, I 'd be caught up on my payments.
I made the double payment and for the past 5 months, I 've made my 20 % higher mortgage payments on time. The last payment was due XX/XX/XXXX ( XX/XX/XXXX ). I recently talked with PHH and was told that once that payment is made, I 'll be caught up and can go back to what my modified payment is. This payment is due on XXXX XXXX. So I 'll have a XXXX % higher payment due on XXXX/XXXX/XXXX and a regular payment due the next day, XXXX/XXXX/XXXX. If I 'm not able to make the XXXX XXXX payment, the late cycle will continue. I 've already made my last payment of the repayment plan and am currently trying to make arrangements to make my XXXX XXXX payment.
According to my credit report, PHH shows me as being 10 months late on my mortgage. My credit is completely ruined as a result. I would like to get a conventional loan to no longer deal with PHH, or at least no longer pay my PMI ( I qualify based on my LTV but FHA law says I have to have the loan for 5 years ), but no one will qualify me since PHH shows me having 10 late pays.
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| 12/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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Closing was set for XXXX/XXXX/15 at XXXX.
Coldwell Banker Home Loans ( " CB '' ) provided a Loan Estimate ( " LE '' ) on XXXX/XXXX/15 after a new loan application was completed under the name of XXXX.
The previous application dated XX/XX/XXXX under the names XXXX and XXXX was denied. We received previous LEs under the joint application only ( with terms to expire XXXX/XXXX/15 at XXXX. ).
The loan number and interest rate remained unchanged but a new credit check on XX/XX/XXXX was performed. On the same day, CB provided a LE to XXXX.
All documents for this loan were viewed online with a time stamp stating when they were entered into the system and when viewed.
I received XXXX and Closing Disclosure ( " CD '' ) on XXXX.
Closing costs were {$15000.00} on LE and {$10000.00} on CD. Cash needed for closing was {$4500.00} LE ; {$23000.00} on CD. On LE, Transfer taxes were {$2900.00} ; CD {$0.00}.
I emailed the loan originator, XXXX XXXX, to confirm {$23000.00} in a certified check on XX/XX/XXXX.
On XXXX at XXXX, our realtor sent us a DRAFT WITHOUT LENDER FEES Settlement statement from XXXX stating closing costs of {$21000.00}. I did not know what this form was and asked the realtor if this changed what we owed at closing. We received no response.
On XXXX/XXXX/15, I received ( but did not listen to it ) a voice message a XXXX to call XXXX. The message said " I wanted to give you a call. Apparently there is an error on the closing disclosure that was provided to you guys by CB. It is one that is going to factor into your bottom line. It appears that you are going to need a good bit more money than what was disclosed on that statement as it appears that the transfer tax was left off. If you are available '' within 15 minutes we can today today.
I then received a call from CB 's Loan Processor, XXXX XXXX, at XXXX on XX/XX/XXXX stating that we were all set for closing on the next morning at XXXX. I then listened to my XXXX voicemail from XXXX .
I called XXXX XXXX, she stated there was an updated CD that I was not provided. I asked for it again via email at XXXX on XX/XX/XXXX. It was never posted on the mortgage website. I was given updated CD at closing at XXXX.
I was uncomfortable going forward and stated these concerns. I proved CB the copies of the LE and CD and provided her information from the CFPB website as well as explained to her the applicable sections that her company was violating 1026.19 ( e ) and 1026.37. I reviewed with her what the CFPB states can change from the LE and what is actually paid at closing. I reviewed with her that there is zero tolerance to change transfer tax, 1026.19 ( e ) ( 3 ) ( ii ) and Comments 19 ( e ) ( 3 ) ( i ) -1 and -4.
XXXX XXXX gave this to her supervisor, XXXX XXXX ( phone number ( XXXX ) XXXX ). XXXX XXXX stated to us that is looked as if what they did was not right, but someone had to pay the additional transfer taxes today at closing. He stated if something was not right that he would personally resolve it within the 60-day time required. He had already spoken with the Vice President of the Closing Department- XXXX XXXX and they were discussing a resolution. He stated we proceed and he would follow-up the following week.
XXXX XXXX never contacted us again and disregarded our voicemails. I contacted XXXX XXXX and learned she no longer worked at CB.
On XX/XX/XXXX, XXXX XXXX from the " Office of the President '' of CB called to find out what happened. She stated that she would call us back on XX/XX/XXXX or XX/XX/XXXX with a resolution ; she did not. On XX/XX/XXXX, she said CB would give us {$250.00} CB violated the Dodd-Frank Act since they did not clearly disclose fees in an upfront, timely manner- always outside of the waiting period requirements. The Closing Company called us saying owed {$4800.00} more in costs due to change in transfer taxes because a CB employee omitted them.
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| 02/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We have owned our home since XX/XX/XXXX and secured our mortgage through Coldwell Banker/Mortgage Service Center ( CB/MSC ). We make our mortgage payment every month within the allotted time period to XXXX. Sometime over the course of our mortgage, the loan was apparently sold without our knowledge. We were never notified of any change in lenders. Over the years, we have continuously made all our payments to XXXX and were never instructed to do otherwise. In XX/XX/XXXX, we were served with " intention to foreclose '' by an aggressive predatory mortgage lender who we had never heard of, called PHH Mortgage. During this period, PHH Mortgage refused our payments by returning our payments back to us thereby, prohibiting us from making any mortgage payments placing our loan in serious default. We requested our payments be held in escrow by our attorney. Our total sum was presented to the XXXX County court judge, where after the case was promptly dismissed for insufficient proof by PHH to show default by us, [ the homeowners ], and insufficient proof of serving us through proper legal procedure as mandated by federal law. As of XX/XX/XXXX, PHH Mortgage is attempting yet another foreclosure proceeding against us. Since our previous experience, we have kept accurate records and confirmation of all our payments. Please NOTE : All our payments continued to be paid to XXXX, the name PHH Mortgage was never used or authenticated at any time, even after the court case. Not at any time were we ever instructed to change our payment procedure. Each year, we were provided only with a coupon-style payment book with CB/MSC imprinted on the cover with a XXXX XXXX phone number inside the book to make phone payments to Mortgage Service Center. We also never received any statements at any time. Currently, we believe that over the duration of our loan, there may have been critical errors made during the time of transfer. Furthermore, PHH has harshly imposed, what we believe to be, ludicrous, erroneous, and hostile accumulative fees stating that we owe in excess of {$10000.00} in late fees ( basically the entire term of the loan ), resulting in charges being placed against our loan, severely damaging our credit, placing us in default, and a letter of " Intention to Foreclose '' in order to justify the demand to collect on these unsubstantiated and unwarranted charges. CB/MSC/PHH has done everything in their power to ignore and delay an issue by ignoring prior written requests for our payment history, making it difficult for us to resolve an issue without legal representation, thereby incurring additional excessive costs, placing the homeowner in a vulnerable and almost impossible situation to overcome, and causing emotional and financial duress. Once again, PHH has begun returning our payments and blocking any payments made by phone. We believe their claims to be incorrect, grossly exaggerated, and unjustified thereby causing egregious accumulative and excessive charges, and we also believe CB/MSC/PHH will go to great lengths to validate, impose, and collect on these bogus charges. Furthermore, we have also questioned payments made to our homeowner 's insurance company, as they have refused to acknowledge, or purposely delayed a reply to any of our correspondence requesting information relating to our homeowner 's insurance, or our payment history. It is our belief that they have disingenuously replaced our insurance with their own, thereby forcing us to bear additional unwarranted charges. According to XXXX XXXX, CB/MSC/PHH terminated the insurance on their own. As of XX/XX/XXXX, PHH Mortgage has begun to formally identify themselves. To the best of our knowledge, our own records show that we have never missed a payment during the entire term of the loan. We have retained an attorney who will address any disparity, although we believe these claims to be disreputable.
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| 12/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Of the previous five years of being with both XXXX Mortgage and XXXX XXXX XXXX for our mortgage lenders, we have n't had as many issues with our mortgage account as we currently have with PHH Mortgage. Although the website is relatively simple to navigate, most of the customer service representatives ( CSR ) have been as helpful as using a fish to cut down a tree. Only the Property Tax Department and a supervisor on XXXX occasion were able to clearly understand our issue, the company 's mistake, and reasonable actions to take in order to rectify our predicament.
Within four months of having our mortgage taken on by PHH Mortgage, we received a letter stating that our mortgage would be increasing by over four hundred dollars without any explanation as to the reasoning. After calling the company, a CSR told us that our escrow account did not have enough funds to cover all payment transactions ; however, it was initially set up to have the total payment along with a buffer for any short-term future tax increase. In discussing the issue with our lawyer and original loan servicing agent, we discovered that PHH Mortgage had paid our tax bill after the same tax bill was paid by our home seller 's real estate company. This caused our escrow account to incur and carry a negative balance for a little under four months until the county tax was refunded to our account.
After calling PHH Mortgage to explain their error, the CSR was not helpful in trying to determine why our escrow account was negative. This CSR merely repeated that our account had a negative balance, a payment plan could be worked out after talking with a supervisor to lessen our amount owed each month, and that nothing else could be done. We ended up paying over two hundred dollars more than our original mortgage payment for this updated payment plan. After waiting one month, we called to check on the status of the county tax repayment and were transferred to both the Property Tax Department and eventually a supervisor who was able to understand the issue and lay out a solution until the county tax payment was reimbursed. She put our automatic payment plan on hold and told us to send in a check with the original mortgage payment amount until the county tax amount was repaid. We did this for the next two months.
In the meantime, we began receiving debt collection letters and phone calls from PHH Mortgage ; however, not XXXX single voicemail was left by a CSR. We called PHH Mortgage on XXXX more occasions, each time having to explain the situation from the beginning to each CSR, at which point we were either told that our escrow account did not have sufficient funds or that our XXXX submitted check payments were held in suspense. Neither CSR admitted that PHH Mortgage had made a mistake in paying our county tax bill in error or that the company would rectify the situation without increasing our mortgage payment. The only solution the CSR offered was to run an escrow analysis to determine our future mortgage payment. Additionally, only XXXX of our check payments were credited to the account after two months ; the other check payment was held in suspense until our escrow account balance was brought up to the amount determined by the escrow analysis.
After the county tax payment was reimbursed to our escrow account, our mortgage payment still increased by over eighty dollars per month. Again, we called PHH Mortgage to inquire : we were not told why the payment had increased or the breakdown of the escrow analysis ; rather, the CSR indicated that our escrow account would not have a two-month excess payment balance if our original mortgage payment was used. Overall, no explanations were offered by PHH Mortgage in this six-month process, nor were we at any point satisfied with the results of calling the customer service center or that our credit scores would be affected.
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| 01/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I filed a complaint with CFPB and had to file another complaint as the first complaint PHH did not comply with the letter they sent dated XX/XX/XXXX. I received notice today there was an answer so I am replying to the letter uploaded dated XX/XX/XXXX and will respond to that letter. I did agree to a FIXED RATE MORTGAGE XX/XX/XXXX. I never became delinquent with you XXXX XXXX XXXX. We had a fire on our mountain and I asked for a 2 week extension to pay my payment late with out penalty because my escrow would close late. you stated I needed to go into a forbearance which I agreed to and when I tried to pay weeks later I was un allowed and told I must wait for a period of 3 months. So I did. And then I tried to make payments as usual and I was un allowed again I now had to have a trial period and on and on until finally the loan was reinstated. Every month I had my payment waiting to pay and then I found out you were reporting me late and delinquent which was the whole reason I called to prevent that. In theis process we found out theat the paperwork that I have showing that my loan company set up an impounds account was never applied and so I had owed for back takes. I did not have the money for these as I did not know I needed to save for those so I was told they would be put to the back of my loan and a loan modification would have to be created. I never asked for one. I just wanted a 2 week extension. So i was told there would be no fees and the tax amount would be put on the bacl of the loan but ONLY id I agreed to an impond account which of couse is what I signed up for. the paperwork came out in some elses name and I was forced to sign it and have it notarized and told that the correct paperwork would be sent out. As you can see in the paperwork you sent out the notary couldnt properly notarize the document. It never came back out corrected but the payment was as stated and so I made my payments until I recieved a notice that my payment went to {$4000.00} plus dollars. You state in your letter thatan escrow account was set up XX/XX/XXXX for me. This was incorrect. It was supposed to be set up XX/XX/XXXX. That was a condition on my forced loan modification. Do again I fight with you because the taxes again were not paid. PHH was trying to figure out what hapened as I hade proof of letters and phone calls as to what was supposed to happen and by the way ... why wasnt my correct loan modificaton paperwork ever sent to me. After being jerked around yes I qualified no I didnt yes you have my paperwork no you do not an it looked like you were going to foreclose on my property because I recieved notice after notice signed with the same name and notarized yet different signatures so I was going to file BK runined my credit and then you came through saying you would do the loan mod but Id have to withdraw my BK filing. so I stopped everything. THe notice came again with needing money that was not discussed and again with the impounds included and an interest rate that was 3.25 and a term of 7 years interest only with an option after that time to pay princ and int but the interest rate was to remain forever and the term was to be 30 years. Those items although it appears the 3.25 was solid the other were not included and when I called they again said sign it now and we will correct it and sent it back out. That never came. Now I have a notice from you dated XX/XX/XXXX about my adjustable rate mortgage??? you uploaded blank documents about fees etc totaling {$45000.00}. That was not disclosed to me and I dont see where I signed to agree. I was told I ould have no fees but the back taxes again added to the back of my loan for your error. Further no corrected agreement ever came. AGAIN!!!!! I am willing to negotiate the original terms you agreed to. But nothing more. I will be contacting every agency I can. I will NOT give up.
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| 12/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I tried doing this on my phone and I got an error so I am trying this on my daughters phone. My husband was diagnosed with XXXX 's and lost his job and we fell behind on our mortgage payments. No one antisapates or asks for any disease to make life miserable and not able to work at the age of XXXX. We have done everything we know how to do to keep our home with modifications and did them a few times because we built our home ourselves and made it XXXX excessible and we also had a shared well that if we moved there would be no water source that PHH would have to drill a well to sell the house or try and sell it with no water which we knew would not happen and not knowing that we would need a XXXX in the future. We had been working with our case worker through the past few years and had a few case workers but they seemed to be helpful. We then did all the paperwork to a deed in lieu and were then told that XXXX XXXX had approved and could receive up to {$10000.00} for a relocation incentive. Back in XX/XX/XXXX our file was transferred to XXXX XXXX and he is the one who seemed to be helping us at that point. We received an email from him stating that if we Vacate the property an inspection can be done. For the next inspection the property should be left completely free of all personal items and debris ( vacant ) and in broom swept condition. We were not needed to be there and that the inspector will, at that time, change the locks with the help of a locksmith and install a lockbox containing a new key. He asked when we would be able to have everything out and when it could be in that condition and we told him by XX/XX/XXXX and we moved to my parents house. As our deed was written up 20 years ago and did n't know that what all was being done and you never think that parents or in laws could be so evil was that there was a " first right of refusal " paper that they would need to sign for the bank for us to be able to sell the house or to do a short sale. XXXX seemed to drop the ball and as we continue for the next 6 months nothing had gotten done except phone calls made and he had to keep checking with someone although he is the one he says that he is a higher up at PHH Mortgage Services and that he would do everything he could to make it easy. Well, I am here to tell you that he did nothing. As we moved to my parents house and left ours behind because that is what we were told to do and that would help the deed in lieu to move along faster if we signed papers giving our house back to the bank so that is what we did. So now that we did everything we were told to do, XXXX XXXX told us that our house is no longer able to do a deed in lieu because we are far behind on our payments and we needed to make it current to proceed. That is a bunch of XXXX ... our payments have been delinquent for almost 3 years and he knew that and so did everyone else that is why we did modifications to try and stay but now we are no longer able to do the deed in lieu it would have to go to a short sale or for closure. That is what we were trying to avoid ... I had spoke with XXXX a few times and emails and he agreed to open the loan again and in the meantime we had to get an attorney to help us. As speaking with XXXX through emails and phone calls throughout this time, he agreed to open the file for another 45 days to see if our attorney could get this done before the foreclosure process started and 3 days later he closed the file and said he ca n't keep it open any longer. I do n't know who this XXXX XXXX is and that professes to be a big wig he set us back 6 months or longer and did absolutely nothing for us. It sounds as though XXXX XXXX will not give any incentives back but asking PHH Mortgage Service to give the incentive that we deserve of {$3000.00} because we did everything that we were told to do so. Please take this into consideration.
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| 08/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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We have filed several complaints with the CFPB. XXXX foreclosed on our house in XX/XX/XXXX then rescinded the foreclosure in XX/XX/XXXX, only after we filed a complaint with the CFPB because of they illegal way in which they foreclosed on our property. We have been trying, for years to get them to prove the amounts of money they claim we owe. They are constantly changing the amounts. We want to keep our house but do not feel we owe the amounts they say we owe. We have tried to get them to reduce the amount of the mortgage in a loan modification and they claim they can not or will not. As we have gone through this process, many attempts at loan modifications that they keep screwing up, they have never allowed us to do a principal reduction but have appeared to be using HAMP guildelines. HAMP is being replaced with Flex. We asked if they would follow this. Their most recent respone was that they do n't have to because the mortgage is not a XXXX or XXXX mortgage. Why then were they donig XXXX before? Today, XX/XX/XXXX we received a notice of Mortgage foreclosure from XXXX XXXX. The sate is set for XX/XX/XXXX. We received a letter yesterday, dated XX/XX/XXXX from XXXX XXXX stating that they are representing PHH informing us that our mortgage was referred to them for foreclosure. In the letter it states that we have 30 days to respond to them in writing regarding the validity of the loan. If we have 30 days to respond, why did they already schedule a sale date or XX/XX/XXXX. We have until XX/XX/XXXX or XX/XX/XXXX if you go by the day we received the letter to deny or accept that we owe the debt. Premature sale date. So XXXX XXXX seems to be doing some shady stuff too. We want the sale date stopped, not postponed ... stopped. We have 30 days to respond. Also, we want a loan mofidication that removes all of the money we do not owe from the mortgage going back to the very frirst mortgage we got from XXXX XXXX. Another thing we want answers on is about XXXX XXXX XXXX. XXXX XXXX XXXX was an employee of XXXX XXXX. He was a predator and talked us into a mortgage when we did n't even have one. We owned our house free and clear. We paid {$340000.00} cash for it in XXXX. He was a XXXX XXXX financial adivsor. He also sold us some XXXX stock that disappeared. We can not find it and have tried to get XXXX XXXX to tell us where it is. Anyway, XXXX XXXX XXXX disappeard. I found him recently through a search and learned he was charged with fraud. XXXX XXXX needs to tell us how he was able to get us into this loan and if they ever pressed any charges against him for fraud. This entire mess started with him. We have zero reason to trust PHH or XXXX XXXX. PHH and XXXX XXXX are the same in this case. PHH services the loans. Our complaint is with PHH at the moment. But they can get these anwers since they represent XXXX XXXX. PHH foreclosed on us illegally in XX/XX/XXXX with XXXX XXXX 's help. They both knew they were not doing this legally yet they both get away with this nonsense. Fortunately, as I stated above, it was rescinded after we filed our complaint against them with you. They have put us into foreclosure many times when they are the ones who tell us not to pay like back in XX/XX/XXXX/XX/XX/XXXX. Yet they state that did n't happen. Then they offered us another loan modification that we paid the payments on but they misapplied them and sent a payment back and then denied our loan modificaiton. We have every email and all of the dates, phone numbers and people we spoke to thoughout all of this. They no longer allow email communication between me and their employees. All of whom " left '' the company. Every person that helped us is no longer there and they can no longer speak to me through email. It creates a paper trail. We demand that PHH makes right all they have done wrong. We want the foreclosure date cancelled.
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| 01/26/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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there are several issues. I was not disclosed that PHH Mortgage was a loan servicer when I received my loan. My lender asked for impounds acct. I received a loan and an imounds account was not started but I did not find that out until later.
we had a fire in the area and I called PHH mortgage for a 2 week extension. They said they would grant it and it was called a forbearance program. I had to sign a paper agreeing but the terms were not explained. after 2 weeks I went to make my payment and could not. I was told I had to wait 3 months and my credit would not be effected 3 months turned into 11 mos and that 's when I found out that an impound account was never stated for me and I owed years of taxes. They also started a foreclosure procedure and ruined my credit. I have paperwork and everyone I spoke with and emails stating this would not happen. So they had to do a loan modification and my payment went up but I could only be granted this loan modification IF I agreed to impounds acct. I agreed. Thats what it was supposed to be in the first place. The paperwork came out in someone elses name. PHH said I ad to sign it and have it notarized and then they also wanted a fee which they had not discussed and I had to sign it that day and have it notarized or they would forclose on my house. They would then fix all the mistake, credit, extra fees and name and send out the corrections. The notary could not sign I was the person who was on the document but that I was the person in front of them signing. Paperwork went back and they did send a letter to the credit agencies saying they reported in error but nothing was done about new documents correcting the name nor took off the extra fees. 3 years later I get a XX/XX/XXXX mortgage stament and my payment went from approx XXXX to XXXX dollars. Come to find out its because taxes had not been collected again. Yet they required an imounds acct to approve tle lst loan modification so fought with them again. This time I am getting notices notarized notices from a man call him XXXX who has several different signatures in fact they are different every time yet all notarized and they try to foreclose again on my property. They approve me for a loan mod then they dont then they do and finally after I am about to file bankruptcy so that i can get some help in finding oue why my taxes were not paid I am told if I cancel my bankruptcy plans they will give me a loan modificaton. Firt I was told it would be temporary then I was told permanent. Again I am sent paperwork and must sign it right away or my house will be sold at auction but the paperwork I get shows for 7 years and then from what I can tell the payment goes back up based off a XXXX price still when I borrowed XXXX. But again I am told sign it and I will receive the proper paperwork. So I withdrew my BK filing and gave them more money and then for the past 7 years I have been told back and fourth that no it was nto permanent that my paymnet goes up and some said no worried I am fine my modification states my interest stays at 3.25 interest only. As late as XX/XX/XXXX XXXX told me not to worry. ( I only got her help after a representative told me I would not get anyone to help me as long as I was current with my mortgage so I needed to be late and then I would get a case manager ) That my interest rate was not going up EVER not to worry about it and I could start paying towards my principle and that the loan modification did not expire and my payment was not going up. That made no sense so finally she actually was able to get a copy of my paperwork I signed as she said she was looking at it and confirmed that no my payment was not going up and the bad news was I still had 30 years to pay my loan to get the principle balance down. she assured me over and over. well in XX/XX/XXXX my payment went from XXXX to XXXX
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| 09/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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This complaint is filed against the CFPB itself.
For over four years I have been attempting to obtain a mortgage modification under the Making Home Affordable Act of XXXX. I have filed several complaints with this agency against my mortgage company siting many various violations with factual evidence in the Mortgage Modification Process. I have received replies from the mortgage servicing company with various insufficient answers, some of which I officially refuted with this agency. Beyond this, I have not received a reply from anyone to my last complaint filed against my mortgage servicing company..
The CFPB 's mission as stated in its own website is as follows : " We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information and stepstools that they need to make smart financial decisions. '' CFPB website - XXXX XXXX, XXXX While the CFPB is abundantly aware that for the duration of 4 years of attempts I have made to obtain a mortgage modification, I have not received a modification offer consistent with law and guidelines. But, throughout this process I have been subjected to all manner of violations including fraudulent statements, improper handling, and violations of servicing requirements without one word from the CFPB. Not one action, or word of defense by the CFPB on my behalf.
To further outline this agencies failures to take appropriate action in the face of blatant violations of mortgage servicing guidelines by my mortgage company, please find in the attached file a letter submitted by my attorney to the Chief Council for mortgage company, and to the Attorney General of New Jersey.
Sadly, I am informed by my attorney, that should I end up in foreclosure, that the vast majority of the judiciary in the State of New Jersey, in cases involving foreclosure, has proven itself time and again, to be prejudiced in favor of the banks and not the home owner. The judiciary in New Jersey in foreclosure hearings, has adopted an overwhelming 'need for speed ' to reduce its case load, and thereby consistently withholds indeed ignores any and al serious consideration of well documented complaints with solid evidence of serious violations of the Making Home Affordable Act, and established mortgage servicing guidelines, by the banks and mortgage servicing companies during foreclosure hearings.
The NJ judiciary typically views homeowners such as myself as 'freeloaders ', giving no weight whatsoever to my growing personal liabilities as evidence of cost to me, the homeowner. My personal liabilities grow every day as a direct result of the violations and fraudulent acts committed by the mortgage servicing company.
Six plus years after default, and after 4 of those 6 years of watching my liabilities relative to my mortgage mount, I continue to await any word from the CFPB, and long overdue satisfactory responses from my mortgage servicing company for the many complaints I have filed. During all these years, I continue to sit, wonder, and watch as this agency completely abnegates its responsibilities to me, and paying no attention to factual evidence brought to the CFPB 's attention! No action by the CFPB despite overwhelming evidence of violations presented.to it.
If I lose my home in a foreclosure proceeding, wherein no consideration is given to years of factual evidence against my mortgage servicer, I will be left with the sad unsatisfied feeling of having been ignored by the one agency here to help me - The Consumer Financial Protection Bureau ( " CFPB '' ).
Sincerely, XXXX XXXX cc. XXXX XXXX XXXX.
cc. XXXX XXXX, Director CFPB cc. XXXX. XXXX XXXX, U.S. Senator from Massachusetts
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| 12/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Phh mortgage has made it very difficult for me once I fell behind on payments. Once a month they have a property preservation person come and say the house is vacant. I have called at least 12 times or more to tell them it is not vacant. All utilities are on and the lawn is cut or driveway plowed. I have now added a security system with signs on the lawn to keep them away. In XXXX XXXX XXXX of the property preservation people came and saw us cutting the hedges. In XXXX XXXX lawn equipment was stolen from the property including an expensive ladder, rake, and broom. The cast iron lawn furniture was dragged down the driveway to be stolen too. The front of my house has beautiful lilacs that overhang a flower bed on the side of the walkway and porch area. They were hacked and butchered into sharp raw stalks. XXXX ferns were stomped and broken. In the backyard the same sharp hatchet was used to cut wildflowers. The patch cut was just the same size as a cell phone camera lens. The preservation person must have said they mowed my acre of lawn and took a photo of the cutting to be paid for the work. I filed a police report which states the damage, but does not include the stolen items and the value of the damage is incorrect. The damage was so unusual I was frightened for my safety and my XXXX year old. The police officer stated that in 10 years on the force had he seen something like that. Under the advice of an attorney friend I was told to contact the bank to see if they might have done the damage. Phh confirmed they had been to the property the previous morning. I was told a supervisor would call back. It never happened. I called back the next day and Phh mortgage now said they could n't disclose such information. I again waited for a supervisor to call. In XXXX I called to try to make an {$8000.00} payment towards the {$11000.00} I owed. I was told that I should file again for a forbearance. The representative at Phh told me I pre-qualified for a forbearance and the {$11.00} could be paid at a later date also if I qualified. She sent out a packet and transferred me to a supervisor. The Supervisor noted I had called back in XXXX to complain about the damage and trespassing at my home. He said the XXXX phone calls were recorded but that even though every 3-5 weeks someone had been to the home that XXXX there was no record of someone being there. The documentation that proved they had been to my house suddenly vanished from the record. In XXXX the bank said I did not qualify for the forbearance because I was too many months behind and now an attorney debt collector was involved for forclosure. Now I had over {$1000.00} in attorney fees and {$480.00} in property preservation fees for the damage they did to my property. In XXXX I was told to not make a payment and to file a forbearance even though I could not qualify and as a result I had more fees added. In XXXX Phh mortgage cancelled my homeowners insurance again stating I had abandoned the home and it was vacant. This was the same time I was trying to obtain a forbearance and then was working with their attorney to try to settle the back payments. On XXXX 27 days before i had to become current I had my attorney become involved. He tried to work with phh mortgage 's attorney. We requested {$1500.00} for the damages, trespassing, and emotional suffering and another {$540.00} for the preservation fee and the property inspection fee which i had been told was from before XXXX. As part of HAMP the fee was supposed to be removed. On XXXX XXXX, XXXX a check was delivered for the full amount owed on the mortgage because both the phh and the their attorney did not return my attorney 's repeated messages. On the receipt the receptionist hand wrote {$14000.00} instead of the XXXX. Where is the missing money. It was never returned to me.
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| 05/20/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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We were behind on our mortgage because of hospitalization. We caught up, but went behind again in XXXX because of a XXXX and more hospitalization. We got behind again with another stay in hospital for a month and numerous trips for follow-up. XX/XX/XXXX, we received a letter stating that the mortgage co. received a letter stating that they received our request for help on the 7th and that the account was incomplete and I have until the XXXX of XXXX to send necessary docs in to complete. On XX/XX/XXXX we received a letter from the Mortgage co saying that the account has been referred to an attorney to begin the foreclosure process. XX/XX/XXXX we received a letter from an attorney that they are proceeding with the foreclosure. On the XXXX of XXXX, I faxed the profit and loss statement ( they wanted this because my husband 's check stubs did not have the year to date earning on them ) and on the XXXX I faxed the hardship letter. These were the two things they said that I was missing. I ended up sending these docs many times because they stated that they either did not get them or I sent them to late and they were outdated. Finally, XXXX XXXX XXXX the mortgage co. sent a letter saying that the package was complete as of XXXX XXXX XXXX and it could take up to 30 calendar days from the date of completion. I had discussed during this time about foreclosure with their team members and was told that as long as the package was complete, foreclosure would stop. XX/XX/XXXX the mortgage co. informed us by letter that we did not qualify for any assistance. One of the reasons was a valid long term hardship was not documented. My hardship was temporary and we are both back to work now, I just assumed that it was benefit us for assistance if we could make payments without having a long term hardship? The other reason was " we verified the account gross income as {$0.00}. Both my husband and I are working full time. The letter also stated if we wanted to appeal that no foreclosure sale will be conducted during the 14 day appeal process where you send in a written explanation and supporting documents. I sent the appeal in with all the documents, including re-sending what I had originally sent. I received many letters stating that they needed more time to decide and I called the mortgage co. during this time and they assured me that foreclosure would/is stopped while they are making their decision. The last letter was XX/XX/XXXX and they still needed more time ... ..a written response would be sent by XX/XX/XXXX. I called later that week when I still heard nothing and still was told they have not made a decision. On XX/XX/XXXX I received a call from my son stating that he saw the house was sold at auction. I called PHH and indeed, it was. I asked how could this be since I was still waiting for the appeal decision and one of the team members told me they ran out of time, it was sold at auction so the appeal was denied., I talked to a lawyer and they said the foreclosure should have been stopped throughout the appeal and that when and only when they made a decision would it be back on foreclosure and that it was illegal to foreclose on an appeal. I just want our house back. Some tell me there is nothing I can do once it is sold other than buy it back and others say I can get a lawyer and sue. I want our home back and don't feel I should have to buy it back, since I was not represented properly. When I talked to PHH about the foreclosure being stopped during an appeal, they stated " It is not PHH 's policy to stop a foreclosure during an appeal '' I do not think they did their job to help me resolve this issue, I could have started making payments months ago if they would have approved us in the first place, like I said, both my husband and I are working full time. Thank you for your time
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| 06/03/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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Our home outside the gates of XXXX XXXX at XXXX XXXX XXXX, XXXX, GA was foreclosed on in XX/XX/XXXX while I was stationed XXXX in XXXX, XXXX. Around XXXX of XXXX I noticed balance no longer was going down on the website, but the money was still being removed from my bank account. I contacted the servicer and they gave no assistance, explanation, or information about possible foreclosure. Money continued to paid in the following months, and I had no indication of trouble from my bank, or mortgage servicer. In XXXX XXXX I received an urgent email from Century 21 about my home that I did not notice for a week or two. I returned the email and called the Mortgage Servicer. I told them i had received an urgent message from my property manager concerning the property, and being stationed overseas with a XXXX hour difference had made it difficult to correspond with them, but I was more them I was had acvailible money due to reenlistment bonus and was prepared to pay whatever I owed to make my balance current. I told I could no longer tell what amount it was since their site no longer reflected my payments in spite of the reflected transactions on my checking statements. The lady responded that they had no idea I was overseas in spite of banking with XXXX who knew where I was, and forwarded me to their in house lawyers. I chose not to speak to them without my own lawyer for fear of unwittingly entering a binding legal agreement, and began looking for a lawyer willing to work with a client from overseas an unavailable to interact in person. Upon receiving a reply from Century 21, I was informed my house had been posted for auction for the XX/XX/XXXX and sold the that XXXX week. I never even had notice even though I had contacted the servicer at time that they would have been initiating the foreclosure process, and my bank had no idea it was happening either. I even received a message from XXXX sometime XX/XX/XXXX saying i was past due months after tI had contacted them for help dealing with their mortgage servicer and my home had been foreclosed on. The Pro Bono lawyer I made contact with in GA offered to take my case and accept fee at settlement. After weeks trying to discuss it with him over the phone when i was awake and he was available for a phone consultation he said I defiantly had a case, and reiterated payment would be accepted upon settlement of my case, but the contract included a huge weekly fee, and I had to abandon him as an advocate, and did not find anyone else i could trust.
In XXXX XXXX I PCS 'd back to Joint Base XXXX XXXX, but the unit was preparing to deploy, and I had little time to take back up my foreclosure. However I was medically evacuated back home in XXXX XXXX, and I now close to XXXX years after I was foreclosed on have the time to take up this action legally. It is a threat to my clearance, my family 's financial security, and also robbed my family the foundation of our retirement. I believe the methods used in servicing my mortgage, the lack of notice, the hard to navigate website, and failure to inform me my mortgage was in trouble while i was seeking customer support from the servicer at a time that my credit report later reviewed I was past due regardless of my payments being accepted from my bank account was predatory in nature. The fact my home was sold prior to me receiving third party notification was also predatory, as the paperwork required to take my home was probably nothing compared to sending electronic notification to XXXX there was an issue. i am also not sure if i interpreted the Servicemember 's Relief Act correctly, but I believe it sates i can not be foreclosed on without a going to court, or while serving overseas. If this is correct then would the foreclosure not be wrongful, and illegal on these grounds alone?
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| 02/23/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
Older American, Servicemember |
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I am filing a Complaint against PHH Mortgage Corporation for the way they handled my request to refinance my mortgage. The lack of expedient handling of the whole process can be best demonstrated through the use of a time line which will reflect numerous delays.
*TimeLine will be attached as a supporting document.
On analyzing the TimeLine you will see that just looking in multi-day gaps of no action there were 105 days of delays on the part of PHH. This as part of a process that most mortgage companies will require 45 - 60 days tops to close or deny a loan, PHH took 204 days ( still could not complete the process ) and still were requesting more documentation. On day 204 they informed me of a second rate increase from XXXX to XXXX to XXXX and they requested additional documentation. At that point I requested that PHH honor the previous rate quote and I was told they could not / would not honor the previous rate because the delays were my fault as I did not provide the requested documentation in a timely matter. I told them I had no desire to move forward with the process as they did not seem to be any closer to closing and approving the refinance than we were back in early XX/XX/2016.
I should remind you PHH has been my mortgage holder for 15 years ; therefore, it is not as if I was an unknown applicant with no credit history. If this is how they treat long term customers I can only imagine how they will treat a new mortgage applicant.
This was compounded by : not returning phone calls, ineptitude of the processing group to know what they " really '' needed to process the loan, originating group basically washing their hands of the process but acknowledging the incompetence of the underwriting group, the customer service department taking a complaint but telling me they were not going to do anything about it, that if I really wanted to file a complaint I needed to do it in writing because the 'real ' complaint department would not take phone calls?
After spending seven ( 7 ) months trying to refinance with the mortgage lender, to whom I have paid my mortgage for the past fifteen ( 15 ) years I have come to the conclusion that their system has totally broken down. Or maybe it was a conspiracy against me and PHH going out of their way to delay the process and not have to honor the original rate quote of XXXX. Whatever the reason I truly feel that they have impacted my life and my ability to secure the best rate for a new mortgage. I was tied up in their process for 7 months just to walk away from an incompetent lender with nothing to show and my mortgage not refinanced.
I hope I have established a pattern of delays and incompetence on the part of PHH with my timeline, summary and attached documentation. Possibly the delays were contrived by PHH to deny the XXXX rate and if that is the case they accomplished their goal.
Now to add insult to injury I have received a letter informing me that PHH will be assessing a fee ( no dollar amount given ) to my credit card since I cancelled the application. The audacity of this group is unbelievable! They demonstrated that they did not possess the intellectual capacity to close the deal in a reasonable amount of time ( 204 days ) and now I am going to be further penalized because of their " total '' incompetence. What recourse do I have?
I am not sure what can be done for me and my refinance process but the shoddy performance on the part of PHH should be addressed by some authority who has more leverage to address this performance and hopefully prevent a similar situation happening again. This has been a totally unacceptable conduct on the part of PHH.
Thank you for your attention to this matter.
Let me know if you need any additional information as I have documentation to substantiate this compliant.
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| 09/23/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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We had a mortgage modification in XXXX of 2013, which we paid our trial payments on time at the completion of which the final paperwork to officially conclude the modification was not accepted due to reasons not fully explained to us. Restarted trial payments in XXXX, due to mortgage company incorrectly processing the finalization of the paperwork from the modification in XXXX. After completion of XXXX trial payments in XXXX, we received finalized paperwork for the modification and was told everything was good that it would take 2 weeks for system to update and that the new payment would start up the following month.. XXXX ( first week or so ) - System updated or so we were told. XXXX XXXX or XXXX - I called to let my case manager know I mailed in my XXXX payment 2 days prior of, XXXX. XXXX XXXX, my case manager, told me to cancel my payment because our suspense account had enough to pay for XXXX and for XXXX and I only owed XXXX difference. Making my first full payment of XXXX due XXXX XXXX. I asked XXXX XXXX multiple times was she sure that me cancelling my check would be ok, that it would NOT come back on me and create a problem. She assured me that it wouldnt. I cancelled the XXXX check and made the XXXX payment with her over the phone. XXXX XXXX, I received a call by my case manager who told me that everything had cleared and been taken care of and that as of that day I was current and on track for my XXXX payment.
XXXX. XXXX XXXX, I received a call and was sent a letter stating that I was two months behind, that the check amount I had cancelled I still owed, and that what I had sent in was a partial payment that was being held because it wasnt in full and was told I still owed for XXXX AND XXXX. I immediately called my case manger, who was just as confused as I was to learn of this since we had just talked about everything clearing hours prior. I called XXXX to XXXX times a day for the first 2 weeks of XXXX, only to be told that my money I had paid and the money that was in suspense account could not be found. It was shown in XXXX department, being received from me, but couldnt be found leaving the department and being applied to where it should have been. I was instructed by my case manager that I still needed to make my XXXX payment that would be applied to my XXXX payment making it seem as though I only owed for XXXX. Once it was corrected my payment would work itself out. So I made it. By the third week of XXXX, I was told by my case manager that they had finally found the money. The department who deals with late fees had taken XXXX plus out of my suspense account to cover the late fees from 2013 to current. My case manager told me that any late fees were supposed to be wrapped back into the modification at the time of closing the process. She was able to get the money back and applied to where it was supposed to go. Once again I am back on track and current for my XXXX payment. Sepember XXXX, called to make Payment of XXXX only to be told I am NOT due for XXXX but for almost XXXX! Why is this? I am told that I owe for XXXX and XXXX. Apparently when I made that XXXX Payment that was supposed to be applied to XXXX, was not applied correctly. call several times daily to case manager, finally spoke to her on XXXX. She told me that the department who finalizes modifications took one month of payments to cover fees for the modification. XXXX said she was reaching out to the supervisor in that department because the fees were to be paid in the modification. Finally got unhelpful information, XXXX XXXX. The loan still has not been corrected, since there is an investigation my payments have been held and now collecting late fees, even though my payments were made on time. They need to hurry and fix problem. I was told I am responsible for fees.
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| 03/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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In XX/XX/XXXX, I refinanced my mortgage with PPH Mortgage, with the same lender that the original mortgage was held by since XX/XX/XXXX. On XX/XX/XXXX, I signed a closing disclosure statement agreeing to the Loan terms, Projected Payments and costs at closing. The estimate escrow payment itemized on this disclosure was XXXX. Homeowners insurance of XXXX and taxes of XXXX equaling XXXX. On this disclosure it clearly stated by an X listed under This estimate includes In Escrow?
The estimate payment was XXXX of which XXXX was principle and XXXX was escrowed. The first 2 payments on this new note were paid around XX/XX/XXXX and XXXX. I noticed when payment was made that the payment was only XXXX and thought maybe this was an adjustment for possibly over paying at closing however when my XX/XX/XXXX payment was due it changed to XXXX.For remaining payments throughout the year, my payments remained at XXXX. I assumed that everything was correct until XX/XX/XXXX, when I received a letter from my PPH stating that they needed a copy of my homeowner 's policy. So I called my homeowners agent and he stated that they sent a bill to PPH mortgage back in XX/XX/XXXX but had not received payment for the coverage. So I called PPH and they stated that the homeowners insurance was not in escrow. To say the least I was very upset. On XX/XX/XXXX I called and left messages with my Loan Processor, XXXX XXXX XXXX. I decided to email and see if I could get a response on XX/XX/XXXX. I will quote my email to him " XXXX I thought my homeowners was included in the refi? I called and left a message waiting for you to return my call. I will call again today. '' ( XXXX ). He replied to my surprise and said " The insurance was included as part of the escrow '' ( XXXX ). The next day I replied back " Well PPH did not pay it when the bill was sent in XX/XX/XXXX and did not even notify my home insurance company XXXX that they were not going to be making a payment. I had to find out after it expired on XX/XX/XXXX. Can you please look into this. ( XXXX ). He replied " You need to contact customer service, I ca n't help with anything in my role. ( XXXX ). He could have a least had someone to call me form customer service how could this have happened I felt helpless. Nothing.So called XXXX and arranged to place a 20 % down payment on my homeowners and placed an EFT on my checking account. At this point, I was protected and not at risk. After taking the time and effort to acquire the homeowners and make payments on my own. PPH without my consent made a payment of XXXX on XX/XX/XXXX. I had already paid XXXX earlier that month as a 20 % deposit of the annual premium of XXXX.Earlier this past week I received a letter from PPH with a check for XXXX it stated the refund was a closing cost refund owed from XX/XX/XXXX. The check was dated XX/XX/XXXX. I am amazed that it took them over a year to catch this. Also with the letter, that they apparently charged me XXXX for, was another CLOSING DISCLOUSURE that I had never seen before and did not have my signature on it. It showed that my homeowners insurance was not in escrow it was dated XX/XX/XXXX.Today, I took time from work to figure out my course of action. ( XX/XX/XXXX ) I spoke with a mortgage banker here locally in XXXX Va. I got her to review my documents she identified that XXXX XXXX XXXX- XXXX was my loan originator and I should contact him as a last ditch to get any resolution to this situation. After several attempts of trying to contact XXXX XXXX I was able to talk with him around XXXX on Monday XX/XX/XXXX. After conversing with XXXX about why the mortgage did not escrow ( HOI ) homeowners insurance, when the closing disclosure statement that I signed and submitted on XX/XX/XXXX, clearing stating that it should, XXXX said that.
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| 01/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Hi, PHH services our main mortgage. The original owner of the loan that we took on in XXXX was from XXXX XXXX, but since that time, the loan has been sold several times and now resides with PHH. We were making payments just fine until I lost my job and we had to declare chapter XXXX bankruptcy. We filed in XXXX and the bankruptcy was discharged in XXXX. I think it stays on our credit report for 10 years. Ever since we bought the house, all payments were made. However, when my income ultimately was cut in half, we sought a loan modification to reduce our payments. Since XXXX, we have tried to work with PHH, but they have lied, misrepresented the situation, refused to return calls, sent us in different directions and more. It is our feeling that PHH has broken the following XXXX federal laws : XXXX federal laws : Equal Credit Opportunity Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Truth in Lending Act. However, my husband and I are not lawyers and ca n't afford one to help.
Somehow, we were able to keep the house.
Now, in XXXX, XXXX XXXX has be wonderful. They have excellent customer service and think that we can refinance with an FHA loan. However, we have met several obstacles from PHH. First, PHH would n't release our information. Then, when I was on a conference phone call with PHH and XXXX, PHH said at first that we were " current '' on our mortgage. XXXX then asked, " are there any 30 day lates? '' PHH then told XXXX that my husband and I had 30-day-lates every month since XX/XX/XXXX. That conference call was the first time I was alerted to the situation.
After the conference call, my husband and I immediately contacted PHH to discuss this issue. Understandably, FHA will not issue a loan with this many lates. Increasing the complexity of the problem is that PHH has n't officially reported any of these lates to the credit companies. According to PHH, my husband and I missed one payment ages ago in XXXX. That was a mistake and we got confused as we were trying to to apply for a loan modification, which PHH denied, refused, lied about during the whole process. At any rate, we missed a single payment, but all the payments following the next five years, PHH claims via conference call that we are 30-days late. Every one!
We are in the process of requesting that PHH document that yes, we missed a single payment in XXXX, but we are currently addressing it, but that we in fact have made every payment on time since XXXX.
PHH has started the avoidance games again and wo n't return calls or meet promised appointments. I have sought legal advice, but ca n't afford the money to sue, or the time lost to launch a lengthy civil matter.
In my family 's read of the situation, PHH is negligent and guilty of many violations of lending and credit laws. We just want to refinance with the FHA loan and keep our house.
By the way, XXXX, who services our second mortgage has excellent customer service and we were able to secure a modification to that loan. I have no idea why PHH continues to act this way.
In an additional side note -- During a lengthy email back-and-forth, PHH said that we were supposed to work with a specific agent. However, we could not reach that person by phone or email for more than 9 months ( this was XXXX ). During that time, several " supervisors '' played hot potato, dodging our calls. At one point, we received communication from PHH indicating that the agent was either deceased or no longer with the company. Then, several months later, this same agent, who we believed was dead, called me to chat as though nothing had transpired and she did n't disappear for 9 months. It was infuriating.
Any help is much appreciated. We just want to refinance and conclude relations with this company.
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| 06/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/XXXX, we had struggled to make payments due to a death in the family, paying off expenses. We had a balance outstanding on our mortgage of over {$1000.00} due to ongoing late fees, 2 modifications done incorrectly and several complaints to the mortgage company and against them regarding collection tactics. They would not work with us and would not assist to bring our loan current other than continual modifications.
They were sending out a man that would take photos of us and our home numerous times telling us to call our mortgage company and parking out in front of our neighbors, provoking them to ask questions and listen to these conversations.
The mortgage was then passed from XXXX to XXXX and now PHH after our last complaint of XX/XX/XXXX. We were contacted by the state assist for veterans to help pay the overdue balance that we had disputed. They had called XXXX and got a total. {$1200.00} which was paid by the VA in XX/XX/XXXX. Shortly after, there were late fees accessed and we were told that more was due. We paid our payment when we thought it was due and since this time, our mortgage remains past due. We have tried to work with them. My wife had tried to contact them. They refused to talk to her. I sent a letter and a copy of my DPOA. She and I have been married for over 18 years. THIS LETTER WENT IGNORED. We can not even access our account to print out a statement but keep getting notices of late fees, letters addressed only to me and Then the events of today.
My wife was coming home from a job interview. A car stopped her at the end of our driveway while she was locking our gate. The neighbors were outside. Everyone stopped and listened. I heard the following from my wife and the neighbor-both stating the same occourance of the following event, today XX/XX/XXXX at XXXX XXXX.
The woman and man in the vehicle, stated the following in a very loud manner. " IS this where XXXX XXXX lives? Oh, I mean XXXX XXXX! I went to school with XXXX XXXX. '' Thinking that this was a relative, she said, yes, but his name is XXXX XXXX. He legally changed his name. " Is he related to XXXX XXXX? " " I'd rather not say, can I help you? '' My wife said. The woman in the car said very loudly, " I am from the bank! I have a letter for him! The neighbor on her cell phone, put her phone out in front of her as if to be recording the conversation. She knows everyone in our town.
The woman proceeded to tell my wife that she has to come in the yard and take a photo of the house. My wife expalined to them that I have severe medical problems. One of them being XXXX XXXX XXXX. She continued to tell my wife that she knows my family as well as speaking at the loudest volume of her voice so 3 sets of neighbors know my financial situation of my home.
We are paying a monthly mortgage payment every month on time. Since XXXX and XXXX owned our home, I have had nothing but trouble with them then they tell my credit report as well as the VA and now all of my family and neighbors that it is my doing to be default in my loan.
This started as a VA mortgage. I was making {$50000.00} a year. We had a car accident and my wife and I were BOTH removed from work. Now my wife is looking for work as well as working from home and being a student at XXXX XXXX XXXX XXXX XXXX. We are BOTH XXXX and I am a veteran. I have had 2 modifications done and had to ask for help several times due to late fees and XXXX, XXXX and now PHH. I recently tried to switch to XXXX loans for my mortgage to make it a VA mortgage. They said they can not help until PHH lists my payments as current. They were current after VA paid them a very large payment in XX/XX/XXXX. This person that came out here is going to tell my family and now my neighbors know!!!!!!!!!
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| 06/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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XXXX XXXX retained, then the XXXX XXXX XXXX to help protect her home from foreclosure in XXXX, XXXX. Over the next several years, XXXX XXXX XXXX worked with him and his lender, PHH Mortgage, to prevent the foreclosure sale of her home and to try to negotiate a more practical mortgage arrangement for XXXX XXXXTo that end on XXXX XXXX, XXXX, we Firm submitted a workout package for consideration to representatives at PHH Mortgage. Shortly thereafter, the client 's assigned Single Point of Contact, form that point, no one took the time to call or advise on documentation request. After numerous attempts on reaching out to PHH Mortgage, I was directed to speak to the Single Point of Contact 's manager, XXXX XXXX who then had XXXX XXXX XXXX reach out tour firm and advise. Documents were being requested via email by XXXX XXXX XXXX , and we complied every time. This back and forth continued for some time as now, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX provided every single piece of requested documentation, while underwriters and their representatives dragged their feet, asking for documentation that was up-to-date previously and furthers other documentation that they had already confirmed receipt of with the initial package.
While PHH Mortgage badgered XXXX XXXX for updated documentation, they also moved forward with the foreclosure process, placing a sale date on the client 's property. Through cooperation and stern negotiation, the XXXX XXXX XXXX XXXX XXXX was able to postpone the sale date that was to occur XX/XX/XXXX. As of today, there is an upcoming sale date scheduled for XXXX XXXX, XXXX. At that point of time, I we were dealing with XXXX XXXX, Escalation Specialist, until present, she will not take our calls.
In the meantime as well, the client has provided updated bank statements and paystubs to PHH Mortgage but refuses to notify us on the update of the loan because PHH flagged the file as litigation. We were prompt numerous times to reach out to their attorney, XXXX XXXX, XXXX and each time we were advise by their attorney that they do not handle modifications, document requests or review updates. We have written confirmation that documentation was provided to PHH Mortgage and confirmed that the client 's file was still under review, that all documentation had been received, and that someone would reach out to our office with update. I found myself calling PHH Mortgage XXXX per week every week with the same run- around!
After having this demonstrated to the Manager, Specialists and agent, everyone backpedaled and abjured any responsibility for providing misleading information about PHH Mortgage review process, despite this being the very essence of their job per the guidelines of the Making Home Affordable program!
As mentioned previously to all the agents that barely touched the file, the client 's intention is to keep their home and go back to good faith payments.
Since receiving the client 's workout application PHH Mortgage has not performed the proper due diligence the client 's file necessitates, and has caused undue stress towards a client who has experienced tremendous hardship, lives on a fixed income, and is doing everything they can to protect her home.. All throughout this time, the assigned everyone failed to communicate clearly about the underwriting and review process. I was either cutoff abruptly or told that there is a sale date an documents should 've been in for review.
It is now requested that PHH Mortgage stops the sale date, review thoroughly, XXXX XXXX 's file and review him for workout options including HAMP, in-house modification and forbearance. It is also requested that PHH Mortgage censure all parties for failing to perform adequately as the borrower 's representative.
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| 01/14/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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On XXXX/XXXX/XXXX A telephone call with XXXX XXXX and the authorized 3rd party took place about the status of the loss mitigation process. XXXX concerns were raised. One being that the lender states that the investor of the loan is a private investor, XXXX XXXX, and therefore they do not have to participate in the Making Home Affordable Program. The second being that the review seems to never begin because every 2 weeks they come up with additional updated documents to request.
PHH has advised the client multiple times that the investor of this loan does not have to participate in the HAMP program. Once via recorded telephone on XXXX/XXXX/XXXX, again in a recorded conversation with XXXX XXXX on XXXX/XXXX/XXXX, and once by written lender on XXXX/XXXX/XXXX that is attached, to name a few. This is simply a false statement. In XXXX XXXX, XXXX XXXX XXXX accepted {$15.00} XXXX in funds from the United States Government as part of the Troubled Asset Relief Program 12 U.S.C. 5211. In XXXX XXXX, in connection with its acquisition of XXXX XXXX, XXXX XXXX XXXX accepted another XXXX in TARP funds as well as a partial guarantee against losses on XXXX in mortgage-related assets. In XXXX XXXX, XXXX XXXX XXXX signed a contract with the U.S. Treasury Department agreeing to participate in HAMP - a program through which XXXX, as one of the servicing arms of XXXX XXXX XXXX, receives incentive payments for providing affordable mortgage loan modifications and other foreclosure alternatives to eligible borrowers. Since XXXX XXXX was acquired by XXXX XXXX XXXX prior to receiving the funds ( even receiving an additional XXXX XXXX for the XXXX XXXX loans ) they are required to abide by the XXXX XXXX XXXX agreement with the U.S. Treasury to participate in the HAMP program.
The second concern is that the lender is continually requesting updated documents over and over. The review started on XXXX/XXXX/XXXX with documents being submitted for the HAMP program. on XXXX/XXXX/XXXX the lender advised of documents needed. On XXXX/XXXX/XXXX all of those documents were returned to the lender. By XXXX/XXXX/XXXX the lender said via telephone the following corrections were needed : The paystubs did not list year to date income and new ones were required, hard ship letter is not readable, a financial worksheet form ( a completely unique form PHH came up with ), expense sheet provided was not hand signed, and XXXX and XXXX bank statements for XXXX accounts, with rental income circled on the bank statements. All these documents were completed and sent back on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the lender stated that they had closed the review on the XXXX/XXXX/XXXX because after they received the documents on the XXXX/XXXX/XXXX, they required MORE additional documents that had not been returned by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they stated all that would be required to reopen the review would be a correction to the XXXX, a " Request for Work Out Option Form ( another form PHH came up with to make loss mitigation a never ending request of documents ), and a detailed hardship letter. The documents were returned to them on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX XXXX at PHH stated that now they want XXXX bank statements for all XXXX accounts, a MORE detailed hardship letter and an explanation letter explaining that the rental income that is received is done through a leasing company and they take out their various fees for repairs and costs through the deposits so the rental income deposits from the lease company does not match the rental agreements from the tenants. They have made actually completing a review virtually impossible by stating what is needed and then once returned days later, having a completely new list with no end in sight.
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| 07/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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For the past 2-3yrs My husband and I have been trying to work with PHH Mortgage to modify our home equity loan. We are both XXXX and our request was to bring our recently increased payment back down to interest only payments, which we could afford. We requested this action until we got back on our feet. PHH assured us it would n't be a problem to make such a request. At the time we were current on our payments and did n't want to fall behind. They stopped us from making payments after we fell behind from continuing to make the interest only payments while we worked with them. PHH has drawn this process out for over two years. We have been in a vicious cycle of sending and resending forms. Every time we send a packet they claim it 's incomplete. Once we resend the " missing forms '', they claimed that others are expired, we redo those and of course something else is missing. They 've also claimed that we had encoded our emails when we 've been sending emails all along - and now suddenly they 're 'encrypted '. We have gone through this for over two years with them, and at no time has PHH ever competently served our needs. Meanwhile our debt with them is skyrocketing. I have sent our 2015 taxes to them, as a resend, twice in XXXX and twice in XXXX. I am waiting for them to tell me once again they did n't receive it. We have used fax, XXXX, US mail, XXXX and scanned documents to them. It does n't matter how we send them, they never have a complete packet, which is what 's needed to process our modification and avoid foreclosure. During this time we have had XXXX case managers assigned to our case and of course each time they change we have to start over because they ca n't find some needed form gone missing. I had XXXX supervisor who promised to help me and now she no longer works with the company. Now they are threatening us with foreclosure which they said would n't happen as long as we are working on modification. They have put us an additional {$1000.00} in debt and I ca n't help but feel it 's all been a scam. Our family is suffering, my marriage is suffering, they have caused such stress and strain on our lives. I have been losing my hair, sleep and just overall health from the stress of being potentially homeless. What i thought would be a simple process has turned into a nightmare brought to us by PHH Mortgage. We never chose PHH, they were thrust upon us. We have no recourse with PHH, the reps get mad and yell at us. They blame us for their incompetence. We send what they asked for and they send an email saying that they have received it, and then they " lose it. '' I could not believe it, when I asked how we could ever complete our packet if papers keep getting lost, our new worker XXXX XXXX, replied in a very nasty tone, " If you people could do what your are supposed to do we could move forward ''. I told her we have been very careful and the increasing debt is our motivation. She sighed and asked if there was anything else she could help me with. I asked if I could bring a packet to them and her answer was : " Do you live in Maryland? '' followed by a firm NO. There treat us so badly. The packet has to go to an office in Maryland and Maryland scans the forms to PHH here in New Jesery. Just yesterday I sent the 2015 Taxes again for the XXXX or XXXX time. It seems they want us to lose our home but not until they increase our debt. I should mention that although the house is in both my husband 's name and my own, I did n't sign for the Home Equity Loan. The Loan is in his name and I did n't give permission to execute a loan on this property and we have equity at risk. I would appreciate any help you can give. They are bad people and based on reviews, have hurt a lot of people. Thank You
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| 05/31/2017 |
Yes |
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- Trouble during payment process
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Web |
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In XX/XX/XXXX I purchased my home with PHH/XXXX XXXX with my father as a cosigner due to the high value of real estate in my area. All payments were made on time and at or greater than minimum requirements through XX/XX/XXXX at which point in time I refinanced my loan and once again chose PHH as my loan provider. This was done to take advantage of greatly reduced interest rates that became available and once again my father cosigned on the loan. The area I live in is in the mountains of Colorado and as such there is no door to door mail service because of the large amounts of snow we receive. As a result all postal service is conducted through PO Boxes only. During the paperwork process for the refinance both my father and myself were told to use the property address ( no mail service available at the property address ) as both the physical and mailing addresses to " simplify the approval process ''. We were informed that after the loan has closed the address would once again be updated to the correct PO Box on file ( the same address used in the first loan ). We followed as we were told and signed all documents using only the physical address. From XX/XX/XXXX through the middle of XX/XX/XXXX payments were once again completed on time and at or above minimum requirements. On or about the middle of XX/XX/XXXX PHH Mortgage decided to impose their own insurance onto the account. I do not know why this was done as the property was fully insured at the time, and that insurance was not part of the mortgage payment ( it was made independently of any mortgage transaction ). However PHH sent mailings to the physical address of the property ( in theory as these mailings could not possibly be received due to lack of mail service ) to inform me of their insurance intentions. Insurance was added to the account, mailings were supposedly sent to the physical address informing me of this increase in monthly mortgage cost, but they were sent to an address that can not and never has been capable of receiving physical mail. In XX/XX/XXXX I logged into the PHH Mortgage website at XXXX to look at the payoff amount for the loan. I was dumbfounded when I looked at the information about late payments, late fees, and credit hits the site informed me about. This resulted in an immediate call to PHH and during these initial calls I immediately paid the past due amount to the agent on the phone. This same agent apologized for the errors that caused insurance to be added to the account, and stated that she would work with a supervisor to discredit the late fees and remove any credit fees caused by this scenario. However they needed to wait for the past due amount to apply to the account before they could eliminate the late fees and address credit reporting. None of the things this agent stated actually came to fruition. The late fees remain on the account. The negative credit reporting remains intact. In subsequent calls to PHH I have since been informed that my conversation with this agent was misconstrued. No late fees would be eliminated and all credit reporting would remain as is. However the company did in fact retroactively remove the incorrectly applied insurance premiums. Long story short, had the insurance not been added to the account there never would have been any late fee applied as I consistently paid on time and in amounts greater then the newly recalculated amount due ( after insurance double payment was removed ). My father has taken up with a lawyer as while he has never made a mortgage payment to PHH mortgage his credit was negatively effected by this scenario. This is my attempt to eliminate this legal action prior to its commencement and make all parties whole.
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| 08/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am concerned that I am not being treated in " Good Faith '' by my mortgage company, PHH Mortgage, in my efforts to apply for Loss Mitigation Assistance.
In XXXX XXXX circumstances developed that resulted in a significant decrease in my income and I was unable to make my regular mortgage payment. The hardship appeared that it was going to exist for 6 months to a year. I initiated application for the Home Assistance Program offered by my mortgage company, XXXX. The completed documentation was sent to my case manager, XXXX XXXX XXXX on XXXX XXXX, XXXX. In a subsequent phone conversation she confirmed receipt of the information and that the submission appeared complete.
My mortgage was acquired by PHH Mortgage, effective XXXX XXXX, XXXX.
I received documentation from PHH that my Loss Mitigation Financial Package was received, dated XXXX XXXX, XXXX. The documentation also advised me that my new case manager was XXXX XXXX XXXX and included a request that I complete a new application and submit similar documentation to that they had received from XXXX.
I tried calling and writing to XXXX XXXX, but I received no response to my voice messages or letter.
I submitted the requested documentation via Priority Express Mail on XXXX XXXX, XXXX.
I subsequently received letters and a phone call from another individual in the department requesting additional documentation in order to complete my application. I also received a Notice of XXXX to Foreclose on XXXX XXXX, XXXX.
The requested information was sent to XXXX XXXX via Priority Express Mail on XXXX XXXX, XXXX.
I then received a document reporting Loss Mitigation Financial Package Received, dated XXXX XXXX, XXXX.
A notification of Reassignment of Case Manager, dated XXXX XXXX, XXXX was the next letter received from PHH Mortgage. My new Case Manager was identified as XXXX XXXX XXXX.
A letter from XXXX XXXX, dated XXXX XXXX, XXXX, indicated my application was incomplete and requested that I provide new additional documentation.
The sending of documents receipt of new letters requesting further new additional documentation and reassignment of new case managers has continued since then.
I have received documents that have indicate my account is being forwarded to an attorney to begin foreclosure proceedings and another that I am being offered a Trial Payment Plan ( that seems to have no relationship to the terms of my actual mortgage and is actually more than my normal monthly payment ).
I have been advised my application is complete and then incomplete and assigned XXXX new case managers since XXXX.
Voice messages left for case manager are not returned. The one time I was able to talk with a case manager, the information I was given was incorrect.
On XXXX XXXX, XXXX I contacted a HUD counselor, XXXX XXXX XXXX from the non-profit organization XXXX XXXX for assistance in working with PHH Mortgage.
On XXXX XXXX I received a call from XXXX XXXX XXXX who identified himself as my new case manager and that his number was XXXX XXXX XXXX. His primary concern was that I take action promptly to make use of the Trial Plan Payment that I had been offered. I asked what documents were required to complete my Loss Mitigation Financial Package application and he basically advised that a completely new application needs to be submitted.
On XXXX XXXX, XXXX I received another request for additional information and on XXXX XXXX, XXXX I received XXXX Reassignment of Case Manager notifications. The one date XXXX XXXX, XXXX identifies XXXX XXXX XXXX and the one dated XXXX XXXX, XXXX identifies XXXX XXXX XXXX.
I am currently working with XXXX XXXX on preparing the necessary documentation to move forward in attempting to work with PHH Mortgage.
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| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American, Servicemember |
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After losing my job on XXXX XXXX, 2015, I applied to my lender ( PHH Mortgage ) for a mortgage counselor to assist with my inability to continue with my mortgage payments. I was assigned a mortgage counselor through Mortgage Family Services ( XXXX XXXX ) who I have been working with for the past four months. As instructed I obtained a real estate agent to help guide me through a Short Sale on my home. Working with the counselor I applied for financial assistance and was mailed a financial application to complete. I completed the application and mailed the information back to the counselor. Several weeks went by with no response from the counselor. I called the counselor and she stated that I mailed the application to the wrong address. I explained that I mailed the application to the address on the financial form and she stated that address was incorrect. I then completed another application ( approximately XXXX pages ) and resent to the correct address. Several weeks later I followed up with my counselor on the status of the application and I was advised that she could not find various pages of the application. She explained that she was unable to download pages previously uploaded to the system. This process of not being able to review parts of my application went on for weeks. I had to resend tax forms, financial information, termination of employment letter, bank statements, real estate contracts, etc. I completed at least XXXX applications packages that were resent to the counselor. I was eventually approved for a Short Sale by the lender. In early XXXX 2015 we found a buyer for our home and I advised the counselor of the recent status. I was then assigned a mortgage financial counselor ( XXXX XXXX ) who I spoke with only once. I asked about relocation assistance in which he advised the request must appear on the HUD1 Form. Because he was not aware of the amount we could request in Illinois, he stated he would research and get back to me. Information on the initial financial application stated relocation expense may be approved up to {$10000.00}. XXXX XXXX suggested I submit {$3000.00} for relocation expenses on the HUD-1 Form, which I did. As of the date of this letter, I have not heard back from XXXX XXXX via email or telephone regarding his research on the actual amount of relocation expense I can claim. I last heard from my mortgage counselor ( XXXX XXXX ) more than 2 weeks ago ( XXXX/XXXX/2015 when she advised that she would be out of the office for several days until XXXX/XXXX/2015. I called her on XXXX/XXXX/2015 for a status update, a day after she was to return from her time off but she was not available and has not returned my phone call within the XXXX hour time period. I have not heard from her since XXXX XXXX, 2015. I called and spoke to another agent and she advised to call back in about a week for a status update. I have received forms from the lender ( Affidavits ) that both the seller and buyer have signed, but no one has been able to provide either the buyer or seller the status of the Short Sale. The buyer was eager to close by the end of XXXX 2015 and it is now the middle of XXXX 2015 and it appears the realtors, seller, and buyers do not have a clue on the status of closing on our home. My concern is that the buyers will lose interest in buying the home that they are very interested in purchasing. I have collections calling and writing letters regarding payments I can no longer afford to pay the mortgage. It is ironic that there are buyers for the Short Sale and the process is dragging on with no status updates from the lender. Any assistance in resolving this issue will be greatly appreciated.
Sincerely, XXXX XXXX XXXX
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| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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ADDITIONAL INFORMATION ADDED TO CLAIM XXXX IN PROGRESS Since XX/XX/XXXX when I filed the above CFPB complaint, so much more has occurred and it would probably take 20 pages to explain everything. I will now attempt to simply state the core additional issues and then act appropriately to the next step : There are more errors, abuses, mishandling, misrepresentation, conflicting messages with loss mitigation in conveying messages to me, covering up of illegal tactics, Illegal tactics, themselves, Violations of so many acts such as the Fair Debt Collection Protection act, My Bankruptcy Injunction- I got a discharge in a chapter XXXX on XX/XX/XXXX and again in XX/XX/XXXX that they have ignored on more than one occasion, starting the foreclosure process in XX/XX/XXXX and waiting as they watched my XXXX case until approval in XX/XX/XXXX then after 4 years make a move which lead them to offering a Loan Modification of terrible terms. Why was my condo not foreclosed in XX/XX/XXXX or XX/XX/XXXXwhen you denied me any Homeowners Assistance for a reason that was not correct? They waited and preyed on my XXXX not foreclosing as they said they were going too, until acting 4 years later. Why would a Loan Modification be offered in XX/XX/XXXX when my bankruptcy discharge held me not liable for any money on this loan on a personal basis. They could and should have used their lien to foreclose. Not offer a Loan Mod. In the loan Mod they " deferred around {$46000.00} which I was told I would not have to pay at this time but too only pay on a lesser amount. and the loan Mod was 40 years at 4 %. I never reaffirmed this mortgage at anytime. They can not come after me for a judgment deficiency, No mention of my discharge was stated any place in the loan mod documents. Because of these unfair actions against a XXXX homeowner this was done in bad faith, illegal and had violations that occurred that is what put my loan in default to a point I could never pay. Violations of The consumer Protection act, manipulations, misrepresentations, abuses and errors, Fraud, this company was cited in a civil action case recently for borrowers loans in foreclosure or leading up to foreclose from XX/XX/XXXX to XX/XX/XXXX and I was listed as one. I will get a small amount of money but the same actions that they were cited for then they are still doing and worse. I had a HUD approved apartment ready to go to in XX/XX/XXXX thinking they would foreclose and they did not so I lost that opportunity. I am not a lawyer and I am XXXX with a semi caretaker who lives here and is considered a Tenant in NJ but in their recent foreclosure papers nothing has been mentioned about him. I told the bank many times in the past. The Lying and straight out changing dates on letters has me stunned. They tries to offer me a DIL over the phone but not only is that bad when there are junior liens surviving a bankruptcy discharge No Bank can do a DIL. That is why they asked me to contact my survived junior lien holders to see what amount they would accept to clear the Lien. I did not deny the offer but only said I need to run this by a lawyer, the next day I am called by an appraiser and I told him to contact my bank. The Bank in just 2 days then closed the offer and cancelled the appraisal. I got Two Letters in the mail telling me I was declined because I would not let an appraisal be done! They tried to cover that up by writing a letter dated XX/XX/XXXX with the same DIL terms. I responded back, that I thought you declined it for that wrong reason but got no answer except that there was no error as stated but that is not correct for I have the two decline letters as proof that a error was made.
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| 02/26/2017 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Upon inception of the refinance mortgage on XX/XX/XXXX for which PHH dba Coldwell Banker Mortgage was designated as the lender, and XXXX ( hereby " XXXX '' ) as the mortgagee and nominee, my taxes and insurance were not part of an escrow for I paid those items on my own, and paid to PHH principal and interest in the amount of {$1300.00}.
On XX/XX/XXXX, upon entering into a modification prepared by PHH that consisted of a XXXX loan number, my taxes and insurance were not part of an escrow as with the original transaction.
Then, without any legal authority or justifiable reason, PHH forwarded to me a correspondence dated XX/XX/XXXX acknowledging receipt of my modification payment of {$600.00}, and demanded an additional payment of {$990.00} for taxes and insurance knowing that taxes or insurance were ever part of an escrow with the original transaction or the modification, and that my taxes and insurance payments were both up to date.
On XX/XX/XXXX, PHH commenced the last of XXXX illegal foreclosure debt collection actions in the Superior Court of XXXX by falsely declaring itself the owner and or party in possession of the original mortgage loan by using a falsely uttered instrument titled " assignment of mortgage '' in which XXXX is declared the nominee for PHH and the assignor, PHH is declared the assignee, and the instrument displays the name and alleged signature of attorney XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX. of XXXX impersonating an officer of XXXX, and a false notarization by the law firm 's employee XXXX XXXX who is a XXXX notary public.
Furthermore, within the foreclosure complaint filed in XX/XX/XXXX, PHH falsely declared : " The Mortgage contains a provision that, together with, and in addition to, the monthly payments of principal and interest payable under the terms of the secured Note, the Mortgagors will pay the Mortgagee, on the first day of each month until the note is fully paid, a sum equal to XXXX of the annual taxes and insurance premiums that will next become due, which shall be applied by the Mortgagee to pay the taxes and insurance on the premises. " ... On XX/XX/XXXX, the mortgage went in default. An installment of principal and interest, insurance and taxes was due and has not been received by the plaintiff. ".
Hence, PHH knew or should have known that the asserted default as of XX/XX/XXXX for which they alleged included an " installment of principal and interest, insurance and taxes ... '' is false because from the inception of the disputed undertaking dated XX/XX/XXXX and the disputed " balloon modification '' that I signed on XX/XX/XXXX, the " installment '' demanded by PHH was for " Principal & Interest '' only, not insurance and taxes, for I paid the latter items without an escrow and remained timely on both payments to the municipality and insurance carrier.
As of present date, PHH is continuing to pursue the unlawful foreclosure of my home asserting the aforementioned misrepresentations, using the aforementioned false evidence, and concealing that PHH is not the owner of the mortgage loan in dispute which has since been sold to a XXXX guaranteed trust entity.
Furthermore, the unlawful tactics of PHH set forth above resulted in the latter wrongfully reporting me delinquent to the credit bureaus for a false default declared by PHH as of XX/XX/XXXX, that is based upon their misrepresentation that I failed to pay the full amount due for which they included taxes and insurance, items which were not part of the original transaction in dispute or the modification, and items that I always made timely payments to the municipality and insurance carrier.
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| 09/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I am a PHH customer, Loan # XXXX. I initiated a refinance application in the first week of XXXX XXXX. That refinance application was given the # XXXX. I received a complete packet of documents from PHH, which they needed me to complete/sign and return. I sent them everything they requested except for the XXXX Income Taxes, because we had requested an extension while waiting for the state of Maryland XXXX XXXX to correct a form they 'd sent us for the IRS.
In XXXX, XXXX, PHH closed my loan application and wrote to me saying I 'd closed the loan application ; they also charged me for accumulated fees they had incurred in the the loan process on my behalf.
I had not closed the loan application. In fact I was in communication with the PHH Loan Processor regarding remaining documentation he ( XXXX XXXX ) had requested from me ; I was anticipating the XXXX Income Tax form and it arrived and I emailed it and additional documentation to him on XXXX/XXXX/XXXX.
I contacted PHH to get an explanation and was told by XXXX XXXX and his supervisor, XXXX XXXX, that PHH had closed my refinance application in error, and that XXXX XXXX would reactivate the loan application within an unspecified period of time.
PHH had demonstrated an unresponsiveness to me from XXXX thru XXXX during the initial application period ( XXXX60 days ), but I continued to contact them with emails and phone calls. When they canceled the loan in XXXX XXXX and assured me they 'd be calling me back to update me, I did not wait too long for them before calling/emailing them to find out the status. Days passed with no written update or phone calls from PHH.
I eventually learned that PHH had canceled the loan, reopened the loan, then canceled the loan again in XXXX.
I submitted a complaint to the Office of the President along with forwarded copies of all emails between me and XXXX XXXX over a 2+ month period. After 11 days, I called a XXXX XXXX XXXX in the Office of the President seeking a summary of what she 'd learned during her 10 day investigation. XXXX XXXX XXXX told me the cancellation was the result of my not responding to PHH request for additional documentation ; I refuted that by referring to the emails I 'd forwarded to her almost 2 weeks prior. It seemed to me she might not have reviewed the timeline.
Therefore, I found out who was XXXX XXXX XXXX 's supervisor and on XXXX XXXX, XXXX, I wrote to XXXX XXXX XXXX. He assured me he 'd have the investigation done properly and get back to me with response to my questions, which were as follows : 1. Please tell me what PHH learned thru its investigation about the processing of my loan application?
2. Why did PHH cancel my loan application on each of XXXX occasions? XXXX XXXX XXXX and on XXXX XXXX, XXXX XXXX Why did PHH attempt to reinstate my loan on XXXX XXXX and on XXXX XXXX ( and XXXX? )?
3. Timeline of the loan application process by PHH?
4. Timeline of my loan application process by PHH?
5. Which documents that I 've submitted to PHH during the loan refinance application process would PHH request I resubmit during Reactivation?
6. What are the major steps in a loan refinance application process, and how does Reactivation figure in the loan refinance application process?
7. What 's the status of my loan?
8. I later asked them if they 'd refund me the fee they charged me for erroneously canceling my loan and claiming that I 'd canceled the loan application.
XXXX XXXX assured me they 'd be responding but I have not heard from them, nor have they replied to my followup inquiry, since an initial acknowledgement from XXXX XXXX on XXXX/XXXX/XXXX, that he 'd received my email.
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| 06/10/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Our home was destroyed XX/XX/XXXX in the Camp Fire of XXXX, California. Our loan was through XXXX. We had a deferment in place so that we could use our mortgage payment on hotels/rentals while trying to figure out our next step for our family of four. Mid-way through the deferment, our loan was transferred to PHH from XXXX. The deferment was initially lost by PHH and we received late notices. We tried several times to reach PHH to no avail. We were assigned a manager, who proved very difficult to contact. By the time contact was actually made, PHH had changed the terms of our deferment, and we were told we had to pay three months of mortgage payments in one lump sum to avoid credit reporting ( we have exemplary credit ). We pulled money out of savings and made the payment.
For three months, we tried to work with PHH on a settlement. Our insurance covered {$120000.00} of our {$170000.00} mortgage, leaving us owing {$50000.00} on a pile of ash, in a town almost completely wiped out by wildfire, in a federal disaster zone where no one is allowed to even park a trailer until cleaning is done by FEMA. We explained all of this, over and over, to PHH. We asked that they work with us to reduce our mortgage payments, to accept the insurance check, to accept a settlement since there is no longer a house on our land. Twice our packet was marked complete and we were told we would have an answer within 30 days, only to have the packet marked incomplete at day 28 and the process would start over. Throughout all of this, we have made our mortgage payments on our debris pile out of fear we would be dragged through foreclosure ( PHH sent notices every two weeks that foreclosure was possible ). In XX/XX/XXXX, PHH let us know that they would not grant any kind of assistance with our mortgage payment, as we did not qualify because we did not have a primary residence ( our home is GONE ) and because I lost my job in the aftermath of this disaster so we wouldn't be able to pay a modified payment ( but we are still paying $ 1560/month to PHH on a home no longer there ). We are paying rent and a mortgage and struggling trying to provide a place for our two children.
The last straw came this week. We have been trying to get PHH to take our insurance check for {$120000.00} for weeks. Because the home was a " complete loss '' PHH will not endorse the check. They will keep it and apply it to our mortgage, or they will parse it out as they see fit. Our contract to build a new home for our family necessitates a payment of {$99000.00}. If PHH would endorse this check, these funds would be available and we could begin to rebuild. I filed a request for an exception asking for the endorsed check so we can rebuild. Today we were denied a final time.
We have always been prompt in our payments. Our home was lost through no fault of our own. Our town was wiped out in a wildfire and is a federally declared disaster zone. A PHH representative informed me that PHH would prefer to foreclose on our property ( which we have paid into since XX/XX/XXXX) because we had mortgage insurance. If we foreclose, their company would receive the full amount of our home. The representative indicated that PHH was not interested in working with us on a repayment plan or any form of settlement, because they will get their money regardless. We will just be homeless without any hope of ever rebuilding on our land. I have never been as disgusted with a company in my entire life. Our town is gone, our home is gone, and PHH would rather foreclose on a family trying to restart and rebuild than to work with us in any way. It's utterly despicable.
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| 06/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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PHH was inadequate in providing clear, precise information and was flippant in regards to my XXXX level throughout the process. Each time I called, they never seemed to have my details handy. The day before AND day of closing, both my realtor and I questioned the amount I needed to bring to closing. Even though we XXXX asked for the amount PHH stated was needed to close to be XXXX checked, the title company told me what I needed and I brought exactly what they said. In less than 3 months, PHH reanalyzed my account XXXX and found they did NOT include enough into the escrow to cover all taxes when they stated what I needed to bring to closing. I called and I could either pay {$2200.00} to bring my escrow up to date for incorrectly determined taxes, or raise my monthly payments by over {$300.00} to cover them, making up for the loan officer 's error. Taxes had been underestimated by {$1500.00}. Suddenly I had to deal with my monthly payments increasing from $ XXXX, to $ XXXX for the life of the loan. I called in the middle of XXXX 2014 and asked how to get my monthly payments back down to what they had been stated at closing. I needed to add in the {$2200.00} to my escrow. I paid the {$2200.00} XXXX memo on check stating " Escrow only '' ) and {$900.00} XXXX " XXXX mortgage '' ) XXXX/XXXX/14. I had to call back the XXXX week of XXXX because they posted the money incorrectly. I again had to call back XXXX XXXX because I was getting ready to schedule XXXX 's mortgage payment only to see that my monthly payments never adjusted back down to what PHH stated it would once I paid up the escrow. My next step was contacting the Texas State Attorney General 's Department XXXX XXXX and Mortgage XXXX, hoping that my complaint could be viewed by experts in such areas. The investigator assigned to my case was extremely helpful and explained what she would be doing and her findings. Her review of the facts found that PHH was in violation of Texas state practices on mortgages and they would be requiring PHH to either correct the matter or owe a hefty fine to the state. Upon further review it was determined that PHH had the proper information ; however, PHH omitted it on the final paperwork. PHH Mortgage determined that my initial contact with the State warranted a {$250.00} good will refund, which was insulting. After the lawyers discussed numbers, PHH determined that there was no way to get my mortgage back down to what I agreed/signed for if they kept everything the same. That being said, the taxes that PHH Mortgage did not estimate for was {$1500.00} ; I had to put out {$2200.00} for my escrow to be caught up. The {$1300.00}, not including the good will check is {$250.00} less than what they said they underestimated my taxes for, and {$870.00} less than what I actually paid into trying to make things right. The checks were finally received around XXXX XXXX. Since they would be void after 180 days, they have been deposited, but I am not satisfied that this was the solution to the problem. My budget was based off the reality of life : gas for my transportation, credit card payments, electric bills, water bills, gas bills, trash, car/motorcycle insurance, groceries, pet expenses, and the biggest XXXX - XXXX. I understand that some things are not considered when applying for a loan due to the law, but I consider my XXXX condition because it 's a big factor. My XXXX drives me to be responsible enough with my money to live simply and strive not leave a legacy of debt on anyone 's shoulders. When I put my name on the line, I am the one that needs to live up to that obligation.
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| 02/03/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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Trying to find a lender has been the most difficult thing. The first lender was setup through my realtor from XXXX, and she was very unfriendly and had no knowledge of first-time homebuyer programs. She gathered some information from me, then told me she would call me back with pre-qualification information. I was told by her my credit was good ( above XXXX ), and when I went to ask questions, she was very short with me and unpleasant. I gave her 48 hours and never heard back from her. So I told my realtor I no longer wanted her as my lender. I then looked for lenders under different programs that I qualified for, and that was a headache. I went onto the website for NHF Programs and called the number present on the website. They have no clear listing on the website of participating lenders, so after calling the number, the lady I spoke with, again, unpleasant to speak with, she tells me I have to first choose a lender, at which she rushed thru the list of lenders. After I researched the different lenders, I then contacted XXXX of the lenders, only to be told " well first you have to find a loan officer ''. This being my first time having to go through this process, I would 've assumed the lender company would be the ones to assign me an officer. Several of the offices had recordings or sent you to a voicemail, as if they screened calls. But I finally found a location of XXXX XXXX, that answered calls. An unfortunate surprise there, was when I thought I 'd found my 'loan officer ', it was their assistant that gathered the information. She told me the LO would contact me the following day, needless to say, this did not happen, so after 3 days I called and followed up and he returned my call. By this time, it 's been about a month into my house hunting, and all of the potential homes I was looking at were disappearing off the market. He wanted to setup a time/date to meet up, but when I offered the weekend, ( which is the only time a working person that has to pay for the loan their asking for would have ) he was unavailable. So again, I dismissed this lender ( but after he gave my realtor a pre-qualification letter ) During my time of waiting, there was a home I 'd found, but by it being a " new-build '' they had a preferred lender, Guild. I gave her a call on a Sunday, at which we spoke and I 've given my information a 3rd time. She told me she 'd give me a call first thing Monday after landing ( which gave a clear understanding she was traveling ) She did n't call, but she did email me Monday requesting tax info, and some other personal info. I gave her a call Tuesday to follow-up, only to speak to her assumed assistant, be told she would be in a conference and in and out of meetings. Now I 'd think this would be something vital to be told before exhausting my information with yet another person that would not be available ( especially when I could 've been linked with someone who would be available ). So now, again, I 'm stuck just waiting. I 'm getting very irritated with hearing how great my credit score is, and having all these good qualifying things, yet no one is taking me seriously or putting me on the back burner. Yes, this is my first time buying a home, but my realtor has gave me more information then the actual loan officers, and it 's becoming a frustrating ordeal, making me feel as if I 'm being discriminated against because of this. Not sure what to do other then keep looking, but in the mean time, I 'm taking all these hits to my Credit Score with hard inquiries for a total waste of time. I 'm also losing my potential dream home.
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| 01/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American, Servicemember |
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PHH, from XXXX, NJ has been our mortgage company since XXXX. We have never made a late payment nor missed a payment. In XXXX we refinanced with them to get the HARP rates. All was fine until early XXXX XXXX. We started receiving calls from foreign reps saying we were behind on our payments and they were willing to take a " courtesy '' payment over the phone. We knew we were n't behind and thought it was a scam, but then we started getting notices in the mail that we were in default of our loan.. I called and after a very confusing conversation with a foreign person I had a hard time understanding, was told we were {$73.00} short in our escrow account for our taxes. We did not think this was accurate, but immediately sent in the extra money, which they received on XXXX We thought that would be the end of the problem, but the calls and letters have continued. I went to their website to check our account acitivity, and also checked our online banking, to make sure all payments were made and received by this company. They were, all received appx 8-10 days before the due date, which is always on the XXXX of the month. Once I checked on our account activity, I realized that they had taken the payment they received on XXXX and applied it to the XXXX payment, despite the fact that they had already recieved that payment on XXXX XXXX, XXXX I have now pointed this out to every rep that has called, they look at it, agree with me that the mistake is theirs and tell me they have put in a " request '' to fix the error.. But no one is fixing this error.. We are now receiving notices that a late fee has been added to our account. I have sent this company every copy of documentation I can think of proving that we have never made a late payment, nor missed a payment, and the mistake is theirs, not ours.. I have also contacted them by email to tell them the late fees added to our account is incorrect and needs to be removed, sending them information on where the problem occured ( with the payment they received on XXXX ). Today I received a letter by mail informing me that after " carefully reviewing our account, they have determine the late fee was added correctly '' .. How can a mortgage company be this inept? After about 4 weeks of dealing with them, being told they will fix the problem over and over again only to then receive more calls and letters, we are not only stressed out, but seriously concerned about where this is headed.. There are hundreds of complaints about this company online, stories very similar to ours, with people being forced into foreclosure ... We are a senior couple and have never dealt with such an inept mortgage company in our lives! On top of all this craziness, it appears we did n't even have an escrow shortage to begin with. This company paid our winter taxes on XXXX/XXXX/XXXX but they were not due until XXXX..They paid our summer taxes just 4 months prior, so it is n't that they pay taxes early on a regular basis.. Our taxes are due 6 months apart.. If they had paid them when they were due, there would have been more than enough money in our escrow account to pay them. It appears to us that this company purposely paid our taxes early in order to create this situation, where they are now telling us we are late on our payments and threatening us with default of our loan. We want this straightened out ASAP before this company destroys our excellent credit rating, which we have worked hard to maintain our entire lives! Not to mention we just simply are tired of the harrassment and stress.
|
| 04/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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The problem has been solved and we need no additional resolution. We want the issued documented in order to assist others who are experiencing difficulty with PHH and to help bring change to a company that does not demonstrate adequate customer service. We appreciate this opportunity to share our story. In general, we received abysmal customer service from PHH. PHH 's continual errors forced us to see that it would be in our best interest to stop escrowing tax & insurance with them and to be responsible for our taxes and insurance ourselves.
At XXXX point, I feared retaliation from them for repeatedly complaining to them and feared another mistake made by them where I would have to deal with what they call the " customer service '' department.
Trouble started early in the loan application process.
First they rushed us papers telling us to get them back to them in a few days. Then they wanted more papers, because they did n't send the right ones the first time. I then enlisted the assistance of my wealth management team and double checked with them to be sure that I had the correct documents. We had planned to go out of town and supposedly the closing was to occur before our leaving. After several days, I emailed XXXX, the PHH loan processor, asking her if closing was going to happen before we left. Her response was to tell us we needed to send more papers to her, more documentation. ( I wonder what would have happened if I had n't asked how things were going? ) Again with assistance from my wealth management team, the loan did eventually close before our trip.
Things got worse from there. Last year ( XXXX ), PHH did not pay the XXXX taxes! We got a note from the local tax collector telling us we were delinquent and that there was a penalty and interest added to the tax bill. After several phone calls and, once again, assistance from our XXXX XXXX team, the tax bill was eventually paid, with PHH paying the interest and penalty. This year ( XXXX ), PHH wanted to increase our escrowing by $ XXXX month even though our taxes and insurance did not increase a penny. This was a year old loan. How could such a miscalculation occur? It was at that point we decided to escrow our own taxes and insurance. PHH provided no customer service with our requests. Instead, PHH 's continual errors forced us to see that it would be in our best interest to stop escrowing tax & insurance with them and to be responsible for our taxes and insurance ourselves. PHH 's bad customer service in trying to procure from them the necessary paper work to obtain our goal of being responsible for our own taxes and insurance included multiple promises made by PHH through phone conversations with our XXXX XXXX team and me that been broken. These contact dates have occurred on or about XXXX XXXX, XXXX, XXXX. Broken promises include : not returning phone calls from a supervisor-as promised ; directly stating that those necessary forms are being mailed " today '' ; " this should not be a problem '', and failure to mention approval was needed by XXXX to stop the escrow. In addition to those previously listed phone calls, on XXXX I emailed PHH through their website 's offering of " Contact Us, '' briefly stating what we want. Eventually, with the assistance of my wealth management team I was able to reach a resolution, even though they never sent us the necessary forms until after they issued us the check for our escrow balance.
|
| 07/07/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
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I received a FHA loan in the amount of {$120000.00} in XXXX XXXX.
I requested XXXX in XXXX XXXX due to excessive debts and a large increase of {$300.00} a month for my homeowners insurance since my credit score lowered. I tried several other Insurance companies and nobody could help with a lower price.
I never missed any payments from XXXX XXXX XXXX.
My mortgage payments were going to increase by about {$300.00} as of XXXX XXXX due to the insurance company running my credit and DOUBLED my homeowners insurance payment amount, but since I did was approved for XXXX, I never had to make the increased payment.
I got both a denial and an approval letter both dated on XXXX XXXX, XXXX. I called my mortgage company and they said it was approved and to skip payments for XXXX and XXXX, which went along with my approval letter that showed I needed to make the XXXX trial payments for XXXX XXXX XXXX. During my trial period I made all payments on time for the amount of {$930.00} as required by my mortgage company. I called my mortgage company In XXXX several times, waiting at least 30 minutes each time, asking them about the final modification. I was informed to go ahead and make another payment for the trial payment amount since it may take a while to get the modification. I made this payment on XXXX XXXX, XXXX for a total of XXXX payments for the trial period. I received several letters during my trial payment period, XXXX in XXXX and XXXX in XXXX of XXXX titled '' Notice of Intention to Foreclose '', I also received several notices on my door regarding foreclosure by someone who would go around my house each time. I called my mortgage company in XXXX and XXXX and when I finally reached someone, they said it was an error and everything was " okay ''. My mortgage company was telling me that everything was " okay '' while planning to foreclose on my home all along.
On XXXX XXXX, XXXX they sent me a form called " Annual FHA disclosure notice to mortgagor '' that shows my payoff amount as {$110.00}, XXXX. I also received this form dated XXXX XXXX, XXXX with the payoff amount as {$120.00}, XXXX, which is now more than my original loan amount. The financial information does not add up and I have asked for financial statements 3 times, XXXX XXXX, XXXX XXXX, and XXXX XXXX and I have never received the full statements for my account.
I called almost every day asking them for the paperwork to finalize the modification.
I finally received modification on XXXX XXXX, XXXX.
On the final modification, it had a lot of confusing information that even the mortgage company can not explain, they always tell me they will call me back and they never do or I can not reach them. They assigned me a case manager ; however, after dozens of messages I never received a call back.
The final modification shows : The percentage rate is the same.
My payment went down a little from the original amount to {$940.00}.
There is a subordinate note and subordinate mortgage for about {$35000.00} which has to be paid at the end of my loan in 30 years.
The modification will put me paying another 30 years.
Now, after they have cashed all of my checks, they sent me a check for {$2000.00} and informed me that no payments would be accepted other than the full amount. These checks were cashed months ago and now they send me a check and tell me I am further behind.
The mortgage company has filed a petition and is now suing me.
|
| 08/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
This is my second letter of complaint to the FCPB regarding PHH Mortgage XXXX. My name is XXXX XXXX XXXX, reside at XXXX XXXX XXXX, XXXX, NY XXXX My account number with PHH Mortgage XXXX, is XXXX. I admit that I have been late in my payments during the past several years. XXXX XXXX I received a letter from PHH that my payments were XXXX months in the arrears and a notice to foreclose was pending. Based on my questioning, I was told that the payment from XXXX XXXX was due that was why my payments were two months in the arrears. I was forced to make a double payments because PHH Mortgage would not accept XXXX single payments in one month. In XXXX XXXX I submitted my monthly payment. In XXXX XXXX, I received a letter that my mortgage was two months in arrears. After my inquiry, I found that PHH Mortgage had made an electronic withdrawn my checking account. They had taken out the escrow and placed the balance of my payment in a holding account ( of which I had no notice ). I was told that I could make the escrow XXXX {$360.00} XXXX payment and the full amount would be credited to my account.
Today, PHH Mortgage has placed on our credit report that that we owe XXXX.Plus dollars to bring our account current. That is inaccurate financial information listed on our credit report. We presently owe XXXX XXXX payment of {$2300.00}, if paid after XXXX/XXXX/XXXX the amount {$2300.00}. After checking my credit report, I have also learned again that PHH has electronically withdrawn my XXXX XXXX payment from my checking account ( {$2300.00} ) and is holding it until I pay the {$370.00} escrow, while not crediting our account they will fully credit account. Are they gaining interest on my funds? They have also listed on my credit report that we owe {$1200.00} in late charges over the life ( XXXX years XXXX of this mortgage. I have been in dispute with PHH about these over charges, and they refused to amicably resolve this issue. This typical it 's their way or no way. As of today in our credit report PHH Mortgage XXXX has incorrect information ) has us listed as owing some {$8000.00}. Plus and clearly the XXXX payment is an account receivable due by XXXX XXXX and should not be listed as amount owed. Clearly this company has destroyed my credit rating. We have been denied credit for our child 's college senior loan.
During this past XXXX years. I feel like we have been harassed and intimidated by PHH Mortgage XXXX. I have received and ( signing for ) over XXXX threatening letters of intent to foreclose and robot phone call even while I am in conversation with their representative. I have been forced by threats to make double payment based on their inadequate financial reporting system. During this period I have spoken too many of their customers service and were incorrect instructions. I have about XXXX months left with this company. I just want to treated fairly and as a respected customer. The inaccurate financial information on our credit report has caused us to be denied loans to finish our daughter 's college education, and that 's not fair. This must be corrected and updated.
I am concerned about how many other customers received this type of confusing and inconsistent customer service. What does Home Mortgage Disclosure Act data, shows regarding their foreclosure rate among other members of the protected classes. I am seeking justice and relief. Your assistance is greatly appreciated.
|
| 07/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am emailing you in hopes that I can get some resolution to some problems regarding my mortgage with PHH Mortgage Company which was supposedly " modified. '' I am confused with the status of my loan and why my payments are being rejected. I also have not received reversal of funds checks that have been issued. I have even asked that they be reissued and sent certified but have yet to receive any of them.
When I pull my account up online it shows that there have been a total of XXXX " Reversal of Funds '' transactions on my account totaling {$1300.00}. I have only received checks for XXXX of these transactions totaling {$92.00}.
I have also attempted several times to make payments and the funds are returned to my bank account. The most recent account if refused payments occurred XXXX XXXX when a letter was issued to me from my bank that my payment of {$3000.00} was returned for " refused payment. '' The {$3000.00} plus the {$1200.00} ( {$1300.00} - {$92.00} ) would bring my account current.
I attempted to email this concern to XXXX XXXX my " account manager '' but the email was returned to me that her email address was not found although I was replying to an email address which had worked with previous correspondence. If A new account manager has been assigned to this loan, I have yet to receive any correspondence from them or about them.
The only calls I receive from XXXX are from the generic collection department ( whom I have spoken with several times ) and they have never addressed my concern with the missing " reversal of funds '' checks. I am then transferred from person to person without any resolution.
I have asked on multiple occasions to have statements mailed to me but I have not received them either. I am very frustrated and now concerned that my XXXX children and I will not have a place to live soon as I received a letter recently regarding foreclosure.
I would think that as an " account manager '' it would be their jobs to help guide people and monitor accounts for issues like those I mentioned above but I have never received more than a letter with her name and phone number on it. Clearly I have made efforts to make payments on the account yet no explanation or ways I can resolve the issue are ever communicated to me from PHH Mortgage. I would not even know until I logged back into my bank account that a payment had been returned if it were not for my bank sending me a letter.
I feel that my case has been handled extremely poorly and now I am in danger of losing my home due to poor management of my account. Quit frankly if this is how all modification processes are managed, I do n't see how anyone can successfully have their loan modified.
The mortgage is in my ex-husband 's name. He previously authorized me on the account so that I can discuss matters regarding the account however every time I call they can never seem to find that authorization. I was awarded the home in the divorce decree.
I sent an email regarding the above issue to the customer service department on Friday XXXX/XXXX/16. I received a response late afternoon on Monday XXXX/XXXX/16 saying that they do not have acces to my information and that I need to contact the Foreclosure Department. I was given yet another toll free number and extension to a department. They did not forward my concerns to the correct person. They are just sending me to another generic call pool.
|
| 02/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My name is XXXX XXXX. I fear that my mortgage co., Coldwell Banker may foreclose on my home without giving me a chance to turn things around and make it affordable at the same time. The home was awarded to me in a divorce but the loan remains in my ex-wife 's name. She was ordered by the court to allow Coldwell Banker to converse with me regarding the issues with my mortgage that had gotten behind as a result of the divorce & my medical issues. She refuses to do that even telling them not to cash my checks or accept money orders from me when I attempt to make payments.
I have sent Coldwell Banker a copy of the deed, which my name is on, and the copy of the divorce decree stating the terms of that divorce specifically detailing the orders for the residence. They currently refuse to talk to me because I 'm technically not on the mortgage. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' Why do they continually block my attempts to save my house when I have sent them the documentation needed to verify the court order pertaining to the residence?
I am currently on permanent XXXX due to XXXX. My health is obviously not good and I desperately want and need help in saving this home as this is all I have left with no means to create income or anywhere to go if I lose this house.
I am on a fixed income now of $ XXXX./ mo. from XXXX. My mortgage payment of {$420.00}, although seemingly low to most people is around 47 % of my gross income which far exceeds the proposed 31 % of government guidelines under some of the modification programs. The interest rate is set up at 5 %, which is not bad but my understanding is that it can be lowered to as low as 2 %. If my payment could be lowered to somewhere to around $ XXXX./mo. this would be at a level where I could manage that payment and continue to live here as long as I can.
XXXX Early intervention requirements for certain borrowers - I do n't feel that Coldwell Banker has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wallstreet Reform & Consumer Protection Act.
I have given them everything I know to give them through documentation and they still continue to block my efforts and refuse to talk to me although I absolutely qualify for some relief or some kind of modification. Mortgage modification : a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower ( i.e. mortgagee and mortgagor ). In general, any loan can be modified, and the general process is referred to as loan modification or debt rescheduling.
I do n't know where to turn for help at this point and I 'm asking for someone to step-up and assist me with my mortgage situation. If someone could help me get Coldwell Banker to consider a modification for me, than I could get this back on track and maintain a payment in line with what my fixed income is. Thank you in advance for any help, anyone can help me with.
Desperate, XXXX XXXX, XXXX, WI.
|
| 05/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To whom it may concern, InXX/XX/2019I decided to cancel homeowner insurance with XXXX XXXX XXXX effectiveXX/XX/19. Shortly after I informed PHH Mortgage Services ( my mortgage company ) I am cancelling my policy and will provide proof of insurance with a new company prior to the cancelation which was onXX/XX/19.
PHH Mortgage Services send me a letter on XX/XX/2019acknowledging they knew I cancelled my policy with XXXX ( see attachment A ) but sent them a check onXX/XX/2019from my escrow account in the amount of {$1000.00} in error ( see page 1 attachment B ). A few weeks later onXX/XX/2019I received a refund check from XXXX XXXX which I returned {$1000.00} to PHH Mortgage Services on XX/XX/2019( see page 2 attachment B ). Subsequently, I purchase new homeowner insurance from XXXX XXXX on XX/XX/19in the amount of {$870.00} plus a service fee of {$25.00} totaling {$900.00} ( see attachment C & D ). OnXX/XX/19the same day I obtain the policy I informed by phone and sent via the website provided to me by PHH Mortgage Services proof of Insurance, however onXX/XX/2019PHH Mortgage Services sent XXXX XXXX a check from my escrow account in the amount of {$900.00} in error ( see page 3 attachment B ) after I informed them on XX/XX/2019the insurance was already paid in full. XXXX XXXX sent me a check and I returned {$900.00} to PHH Mortgage Services onXX/XX/2019( see page 4 attachment B ). This was a total of {$1900.00} deducted from my escrow account and sent to two different insurance company in error which increased my mortgage payments.
On XX/XX/2019I received the first of two off-scheduled escrow analysis from PHH Mortgage Services ( see attachment E ) stating a shortage of {$3100.00} and my mortgage increased from {$1300.00} to {$1300.00} and was giving a date of XX/XX/2019to pay the shortage then it will decrease to {$1200.00}, but I received the letter on XX/XX/2019after the lump sum payment was due. After returning both checks totaling {$1900.00} I requested another off-scheduled escrow analysis.
On XX/XX/2019I received the second escrow analysis ( see attachment F ) stating a shortage of {$1400.00} and was giving a date ofXX/XX/2019to pay the shortage then it will decrease to {$1200.00}. By this time, I received my property taxes in the amount of {$6300.00}. On page 2 of the second analysis it clearly shows the following : Taxes : {$6300.00} Insurance : {$870.00} Total : {$7200.00} x 12 months = XXXX In my monthly payments Im paying {$73.00} for 12 months totaling {$870.00} which I paid in full onXX/XX/2019and need this to be removed. In my opinion, it should show the following : Taxes : {$6300.00} Insurance : {$0.00} Total : {$6300.00} x 12 months = XXXX I may owe the shortage of {$1400.00} which PPH Mortgage is deducting for the next 36 months {$39.00}, however I believe my payments should be as followed : Principal & Interest : {$680.00} Escrow Deposit : {$530.00} Escrow Shortage : {$39.00} Total Payment : {$1200.00} After several phone calls this issue was escalated to an escalation manager named XXXX. OnXX/XX/2019I received a call back from XXXX stating the information was correct, however I disagree due to the information I provided.
I asked if they would remove my homeowner insurance for my escrow account which will only leave them to pay the property taxes, but this request was denied.
Please help in rectifying this matter.
Thank you.
|
| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Summary : 1 ) My loan payment be transferred again and again and very difficulty for me to pay ; 2 ) XXXX XXXX and PHH gave different statement and no way for me to pay through PHH. Detail : I closed my home in XX/XX/XXXX with XXXX XXXX XXXX with a 15 year fixed interest rate and I paid to this company and my mortgage payment be transferred to XXXX XXXX in XX/XX/XXXX and I kept my payment through it with an amount of XXXX ; On the XXXX, I got letter from XXXX XXXX that they will not accept my payment by XXXX and my payment transferred to PHH ( the web is XXXX ) .I tried many times to enroll through PHH since I got this letter and I could n't because my loan information is not on PHH system yet.Until XX/XX/XXXX I enrolled and I could n't pay my XX/XX/XXXX payment, PHH customer said my information on their system since XX/XX/XXXX and I need to pay for the payment through phone. I talked to this same person for more than 5 times for I ca n't log-in to pay and I was told there is one week gray period. With big argue PHH waivered the charge for me to pay through phone. XX/XX/XXXX, I got the letter from XXXX XXXX that start from XX/XX/XXXX my new payment amount is {$1000.00}, and PHH mailed me same amount payment statement. I tried to log-in PHH web to change the original {$1000.00} and I could n't log-in PHH web system and I called PHH customer and I was hold online for more than 1 hour with very rude customer : XXXX and no solution and XXXX told me : 1 ) call back late ; 2 ) the new payment amount is {$1100.00}. I called XXXX XXXX XXXX, XXXX XXXX and my home county to check what 's the reason for all this troubles and my mortgage kept on transfer and so difficulty with check for my payment. I got refund from my insurance company of {$21.00} recently, and XXXX XXXX said my payment should be {$1000.00}, and the escrow balance is {$400.00} to PHH XXXX XXXX said my tax will no change. With this PHH is very frustrated and I doubt they control the online system and people ca n't manage the online auto-pay system then they will charge the fee or made the customer late pay or missed payment with the very serious consequence ; PHH phone system said their office hour is XXXX-XXXX and nobody answered the phone after XXXX on regular office time. With a long time on the phone PHH customer not only very rude by increasing the voice but also told me : it is Monday! I asked her does that is her answer for customer and she put me on holding for more than 25 minutes to wait for the specialist to help me log-in and nobody 'sow-up ', and told me the payment date is XX/XX/XXXX and I have enough time. I told her NO because I spend more than 20 days to get XXXX mortgage paid and I do n't want to miss the XX/XX/XXXX payment and be charged for fee through their phone payment system and she was so mad with very rude tone to talk to me. I told her the mail from PHH said my payment is {$1000.00} but she said that is not right and she said she talked to tax person. I had to stop the more than 75 minutes phone without any conclusion. I tried to reach PHH and the system totally does n't work. XXXX is not in this company and the number this XXXX gave to me of XXXX to XXXX is not exist and customer service said this number is not exist on their system and no such a person but this person called me to address PHH issue. Who knows who operate this PHH and a ghost company.
|
| 05/14/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
CFPB - My Wife and I initiated the mortgage application process with PHH Corporation - Century 21 Mortgages via Mortgage Advisor XXXX XXXX XXXX XXXX # XXXX on XXXX after beginning our application process with another lender when they stated they could provide us a better rate. Our projected close date was scheduled for XXXX. Throughout this process we have been asked by various parties within the company to provide duplicate documentation multiple times ( i.e. bank statements, copies of tax returns, student loan statements, etc. ), have dealt with significant stretches of time where we had no communication with our lender ( i.e. our underwriter was out sick for almost a week and there was no back up in place to work our file in their absence ) and delayed requests for additional information ( i.e. upon receiving a bank statement, a request for additional information came more than a week later building in additional delay time in finalizing the review of our file ). To date we stand to lose the following : our earnest money funds of {$2000.00} because the builder for the sellers does n't normally do extensions and we missed our target closing date due to mismanagement in the review of our file and lender would not back the funds, a rate increase which is now the same rate our original lender was offering that will end up costing us at least an additional {$5000.00} in interest and pending homelessness for us and our XXXX due to still having no scheduled closing date as of XXXX since our current apartment lease is expiring on XXXX. This has been a very trying, invasive and stressful process that has been handled without much personal concern or interest in us as consumers. We have consistently provided all requested information to our lender within a quick same day or next day turnaround regardless if it was a duplicate request and we have taken every action within our power to progress the review of our file along with no support or legwork from our lender. In fact, on XXXX I was told that I needed to go to the IRS office to get a copy of our XXXX tax transcript 45 minutes before the office closed. I had to leave work early and hustle to another part of town to get the required letter before the office closed. Today, XXXX we find out that the information obtained from the IRS was not good enough to move the loan forward because it did not tell them what the error was. Today was the most recent day we were told we would close on the house. We were then asked to make ANOTHER trip to the IRS office and asked to get them to put in writing that the preliminary transcript that I obtained the date before was accurate. I could not make this 2nd trip because I left work early the day before.
Should this deal fall through for any reason we will have lost our hard earned money, lost our house, and have roughly one week to find a new apartment to live in. The seller of the home is also at risk because they are going to lose the home they are building for their family because that sale is contingent on the sale of their original home. It appears that the only party benefitting in the situation is the lender ; if they fund the loan they will get more money since their delays caused the interest rate to rise, and if they do n't fund the loan they have avoided any risk. They are definitely not advocating for what is best for us as the consumer.
|
| 06/11/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
As of XX/XX/2019 PHH Mortgage Services purchased my HELOC loan from XXXX. I was informed of this in writing prior to XX/XX/2019. The communication I received informed me that nothing would change and my loan would continue to be serviced. On XX/XX/XXXX I contacted PHH Mortgage Services because I was not able to pay my mortgage on line. I was informed everything would be fixed by XX/XX/XXXX. It is now XX/XX/XXXX at XXXX EDT and I have been on hold with PHH Mortgage Services for XXXX waiting for the correct person to answer. I originally called the phone number posted all over the website and XXXX told me that I have a HELOC and I called the wrong number. I told him that was the only number and that all I wanted to do was pay this months payment so that interest wouldn't keep adding up. He informed me that he couldn't do anything with HELOC mortgages. However, when I called on XX/XX/XXXX, the same exact number, the person was able to tell me all about the XXXX transfer process. I asked to speak with a supervisor and XXXX eventually came on the line and informed me that there was nothing he could do. My only option was to be transferred back in to the queue and wait for someone else to take the call. I told him " Why can't you get someone to help me? '' After much discussion he informed me " It's the policy ''. He did admit that the agents and supervisors are all in the same room as him but policy is policy.
While I understand that they claim there are no late fees or negative hits to your credit score for 60 days, they are continuing to charge over 8 % interest on the outstanding balance. This balance would have been decreased and the amount of interest would have been reduced had they taken the payment when I wanted to pay them. It doesn't seem fair to the consumer for a mortgage company to be allowed to refuse to accept payment but then continue to charge interest on the outstanding balance. They are unfairly advantaging themselves by refusing to let consumers pay in a timely manner.
Then to refuse to address the issue or provide any tools or resources for the consumer to be able to correct this injustice doesn't seem fair. It may only be {$50.00} or {$60.00} to the consumer but when you add it up for all of their loans they are making a LOT of money by refusing to accept payment from the consumer. I feel that this type of practice should be illegal. If a company is not able to process a payment in a timely manner they should also not be able to charge interest on the outstanding balance until they can accept payment on that loan. Their is no incentive for the lender to take money from consumers who regularly pay their bills on time to quickly provide methods for them to pay their bills. The lender has all of the upside. The regular paying customers will still pay but will also pay them additional interest.
It's now XXXX and I'm still on hold waiting to speak with someone to take my payment! It is now XXXX and after exactly 4 hours the call was disconnected.
I know this agency was set up to help the consumer have a voice against the misdeeds of the large lenders. I hope this is something that you will actively investigate. If legislation needs to be passed to protect the consumer from these types of abuses I would be glad to start contacting people in Congress to urge them to help the consumer to be treated fairly.
|
| 12/02/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
My mortgage refinancing closed on XX/XX/XXXX. A check for approximately {$5600.00} for the amount of funds in the old escrow account with PHH MORTGAGE was supposed to be mailed to us within 2 weeks from XX/XX/XXXX ( the closing was actually on XX/XX/XXXX but we were told it took 7 days to officially close out ). Since this is a large sum of cash we have been following up since XX/XX/XXXX as to the status and whereabouts of the check. To sum it up we have been following up weekly since then and have been given numerous explanations and conflicting stories regarding the date the check was sent, the dates we should receive the check, and when the " receive by '' dates have lapsed we have been told to wait another week. We were told last Monday that if we had n't received the check by this Monday ( yesterday ), they would overnight the check by today. Today when we spoke with them they said they actually ca n't do that, and if they ever do agree to do that, then it would take 10 days to accomplish it. At the end of the discussion with PHH tonight we were again told that they would continue to look into it and see what they could do. Once again, More than 45 days from the original closing date, they could not give us a definitive answer as to the whereabouts of the check they say was processed and sent out on XX/XX/XXXX. What warrants concern to us is the sheer amount of seemingly unending excuses and lack of a definitive resolution timeframe this company has demonstrated, a behavior that we have never experienced with a bank. We were told today that if they cancel the check, they have 10 days to " process '' it before they even mail it out. And then they said it takes 21 days in the mail without receiving it before they get concerned. I find this strange since in reality the US mail is very reliable and seldom does it take longer than 5 business days to receive something from anywhere in the country, let alone XXXX to XXXX.
Our primary issues are : - Multiple claims about the date the escrow check was sent- The check never arrives by the date they say it should- They are unwilling to overnight the check today as they promised last Monday- We were told they canceled the check tonight, but now have to investigate whether the check was cashed before they resend another ( they ca n't quickly determine that? ) - When we asked if there is a date when they finally reach a point where they simply set their normal process aside and overnight our money to us, they state there is n't one- As of now, there is no definitive date that we may count on to have the {$5600.00} received that is owed to us.
Our final concern is that in talking with the " always polite '' individuals at PHH Mortgage, there is an air of dishonesty surrounding the whereabouts of our escrow money. The absolute inability to resolve the issue coupled with a never ending runaround on how we have to wait, wait, and wait even longer calls into question the legal operation of this banking institution and whether it has issues with where it keeps escrow funds, how it uses them while it is supposed to be safeguarding them, and whether or not our escrow funds are even available to PHH, if they are even in their " possession '' at this time. I fear in the worst case PHH may be misappropriating escrow funds they are charged with safeguarding for proper disbursement.
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, My name is XXXX XXXX XXXX, I am contacting you because I am concerned the company who bought my mortgage loan is defrauding me.
I originally took two Mortgages in XX/XX/XXXX with XXXX XXXX to purchase two properties located in XXXX XXXX, zip code XXXX. 0ne loan was for XXXX to buy a vacant block of land and the other XXXX to purchase a house and land.
Several years later these loans were sold off to other companies, XXXX was sold on to XXXX XXXX XXXX, ( which was paid off in full in XX/XX/XXXX ), and the property located in XXXX XXXX CAXXXX was taken over by XXXX XXXX XXXX. In XX/XX/XXXX purchased a 3rd property, paid in full.
On XX/XX/XXXX, PHH Loan service took over my loan of XXXX. I was not sent a notification of this until XX/XX/XXXX, after I had paid my XX/XX/XXXX mortgage to XXXX XXXX XXXX. My new loan Number with PHH is XXXX It was then they informed me I was 6 months behind in my payments and owed them {$15000.00}. One of the biggest issues with dealing with this company is the Language barrier, I at first thought she said I was behind {$15.00}! After several calls I was told I was 3 months behind and then 6 months behind in my payments which was impossible as bank records indicate otherwise. In an attempt to quickly clear up the issue I sent 24 months worth of bank statements, clearly showing money being withdrawn and deposited by XXXX XXXX XXXX every month via fax.
I sent several faxes with my bank statements requesting an investigation, but was ignored. I do believe the language barrier I encounted made communication very difficult.
When by some miracle I did find someone who spoke clear English I asked if there was any pending action against my property and was told " no ''. Again all calls are recorded by PHH Mortgage. I was informed an investigation WOULD take place and no action would was pending. An investigation takes between 7-15 working days.
After 3 weeks, still no word. On the XX/XX/XXXX I contacted PHH Mortgage Services to inquire about the investigation, which was STILL PENDING.
However they had, without contacting me or giving me any prior notice, put my home into FORCLOSURE and I was forced to pay an extra {$15000.00} then and there or loose my home!
On a phone call dated XX/XX/XXXX at XXXX, EST , PHH Mortgage Services agreed that their investigation shows my funds were mistakenly allocated incorrectly and that the would rectify this situation along with correcting my credit score. It would be rectified in 7-15 days. Once that was done, I could then apply for the {$15000.00} I was forced to pay in order not to loose my home to be refunded.
Well that did not happened did it?
Phh Mortgage Services agree I did pay my mortgage every month, but somehow a large financial institution managed to allocate my money incorrectly. AND I have to pay {$15000.00} in fines and fees for their mistake??? Now how is that possible or even legal?
They have caused considerable mental distress to me and my family, severely damaged my perfect credit score to the point I could not even refinance a tricycle!
I really need this company investigated! I have been dealing directly with XXXX, service ID -XXXX, his direct phone number XXXX XXXX XXXX. I am more than confused as to what is going on or how they are able to defrauding people so openly.
XXXX XXXX XXXX
|
| 05/27/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I purchased my home prior to the recession in XXXX. When financial hardship hit, we attempted to get a loan modification to help us through hard times.
XXXX/ XXXX/ PHH mortgage company offered me in XXXX of XXXX an Interest only ARM loan that was supposed to be interest only for the first 120 months ( Ten years ) and then would be principle and interest for the remaining 20 Years of the 30 year mortgage.
However, in XXXX of XXXX, no change was made to the mortgage to reflect principle and interest. On XX/XX/XXXX I called the mortgage holder XXXX ( XXXX had sold the Mortgage to XXXX ), and spoke to XXXX ( Employee ID XXXX ) around XXXX XXXX. I asked about the mortgage and when it would change to reflect principal and interest. He had no idea ; but said he would open a case with an escalation manager. He stated that the process would take up to 5 business days. I waited On XX/XX/XXXX I called back and was able to speak to two escalation managers XXXX ( Employee ID XXXX ) and XXXX ( Employee ID XXXX ). The answer that was given to me at that time was that According to the origination document of my loan, it is not scheduled to change to principal and interest ( P & I ) until XXXX of XXXX. I didnt understand why since the mortgage documentation that I held said 120 months which should have been XX/XX/XXXX.
Okay Maybe I didnt understand something in the legalesed jargon of the mortgage document. So, I waited until XX/XX/XXXX to see if anything would change. NOTHING My mortgage statements are still showing interest only and I owe more now on my home than the original mortgage price. I feel as though Im being had.
On XX/XX/XXXX, I reached out to the mortgage holder ( Who is now PHH ) to see if the new holder would be able to tell any more about my mortgage. In order to confirm that we were speaking of the same mortgage agreement I ask for an amortization schedule to see if they could show me specifically when, and how much my mortgage would be principal and interest so that I could see the balance go down ( Im getting old ). I was told that because I have an adjustable rate mortgage, they wouldnt be able to provide an amortization schedule because the payment could fluctuate at any time. ( Which they have over the last 14 years ). They were however able to provide me with a copy of the origination document that they have on file. Sure enough, it is the same one that I have that clearly says that my payments should have been P & I back in XX/XX/XXXX.
At this point, I afraid that if they were to make the payment principal and interest to cover the complete mortgage by the maturation date ( XXXX ) that my payment would be astronomical!
I feel as though I have been victimized. I had a contract with my mortgage holder ( who sold my mortgage several times ) and they have not held to their part of the agreement with no consequence to themselves. However, if I refuse to pay, then I will be penalized harshly - super high balloon payments, penalties, or worse foreclosure.
In fairness, since they have not held up to their side of the agreement, I would like a zero-cost refinance to a 30-year conventional Fixed rate mortgage. Why should my family suffer due Sheisty business practices?
PLEASE HELP!!!
I have attached supporting documents to assist in resolution
|
| 11/30/2015 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I attempted to obtain a HARP Loan Modification from Merrill Lynch Mort XXXX..
In XXXX 2015, I submitted an application to XXXX, ( XXXX ) an approved U.S. Department of Housing and Urban Development Counseling Center located in XXXX Florida for assistance in obtaining a Loan Modification from Merrill Lynch MortgageThis was my second attempt for a Loan Modification under the Making Home Affordable Program. The first time was in XX/XX/XXXX through XXXX XXXX And XXXX XXXX XXXX, ( XXXX ) located in XXXX XXXX XXXX, Florida.
In both instances the Merrill Lynch Mortgage Company would not communicate with the HUD counselor and contacted me directly which caused quite a conflict.
In XX/XX/XXXX, I contacted my assigned counselor, XXXX XXXX at XXXX to determine the status of my Loan Modification request since it had been over two months since I had submitted my documents. I was told by XXXX XXXX that the counselor from Merrill Lynch would not call her back.
After going back and forth with XXXX XXXX and not getting any where I contacted Merrill Lynch Directly. I was assigned a counselor to work with, XXXX XXXX, ( she remembered me from my previous request ). With her assistance and guidance I resubmitted all requested documents. On XX/XX/XXXX a completed package was submitted and received on XX/XX/XXXX. At that point my Mortgage was three months in arrears. I asked XXXX XXXX for advice on paying the arrearage, she told me she had received all of my documents and it appeared as if I could qualify for the modification and not to pay because if approved the payment of the arrearage would not be necessary. The approval would give me a 2 % interest rate under the HARP program that we were seeking approval for.
I believed her because when I initially contacted Merrill Lynch I was told that during the processing period for the Loan Modification I that payments did not have to be made and they could be placed back into the balance of the loan.
I took her advice and did not pay such a big mistake.
On XX/XX/XXXX, I received a denial letter with demand for payment of all back payments or the loan would go into foreclosure.
My purpose for seeking the Loan Modification was to reduce my mortgage payments and maintain my home.
Adhering to the advice of Merrill Lynch 's counselor, XXXX XXXX XXXX, has created a financial hard ship for me.
Increased Mortgage payment of {$2400.00} monthly not including taxes or insurance.
Quarterly increases in Mortgage PaymentsInability to pay Utilities TimelyNegative Impact on credit ratingMerrill Lynch would not give me any consideration even though up until this year with my financial hardship and struggle there was never a late payment.
After the {$5200.00} was paid in XXXX, the balance of the arrearage was added to the future monthly payment. The payments are on time each month however, Merrill Lynch has the audacity to call me to make sure that the payments are made.
My situation as far as a financial hardship is permanent. I am still retired with a re\\\reduced income.
There will be no increase in my retirement benefit this year.
Based on the unfavorable decision from Merrill Lynch and the financial burden and mental anguish that has been placed on me I am seeking your advice for proceeding a Loan Modification under the HARP program.
|
| 02/23/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
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The loan modification application that was ordinally approved on XX/XX/XXXX. The two copies of the approved loan modification agreement I received required my husband and I to have a notarized signature and return copies back to XXXX. I called XXXX to confirm which letters had to be mailed and was told both letters were to be mailed and they would return a copy after it was signed by XXXX. On XX/XX/XXXX, I called XXXX to ask when I was going receive one of the notarized letters back and was told there as a problem with Title. XXXX gave me detailed information regarding judgements on the title and was told I needed to reach out to the city and have the title issue resolved myself. The information XXXX provided about the judgements was not me and my husband. Also, XXXX told me the city was responsible for providing me with information that the tilte was clear. Specifically, XXXX stated the city should provide a clearing letter. Once the city provided the letter, I was to send that letter to XXXX.
I called the City of XXXX and was told this was not a service they provided. However, the city representative did look to confirm if there were judgements on the title regarding the information, I was given by XXXX. The representative confirmed there wasnt any judgements on the title in name of my husband nor in my name, but she could not give a clearance letter to provide to XXXX. On XX/XX/XXXX, I called XXXX to give them the message I received from the City. The representative from XXXX insist the city had to provide a letter. Also, I asked if the modification was still on track and if the first payment was still due on XX/XX/XXXX. The representative confirmed to me that everything was still on track and the 1st payment was due on the XX/XX/XXXX.
As I was instructed to do, the XX/XX/XXXX payment was submitted. However, the payment was returned which caused me to reach out to XXXX. At this time, I was told the modification was denied because of the title issues. Also, I was told that the city was responsible for validating the title was in the clear. It was at that time I had a 3-way conversation with XXXX and a representative from the City of XXXX. After this conversation, XXXX opened an investigation to be performed by the research department. On XX/XX/XXXX, the research department sent an email stating A Non-Identity Affidavit will be sent to you concern to removing the below listed Lien and Judgment. You need to complete and return. This was the first time XXXX stated something had to be signed and returned to them. On XX/XX/XXXX, I reached back out to XXXX because I had not received the affidavit, yet. During this conversation, I mentioned how frustrated I was because XXXX had not given me accurate instructions on what was required to settle the title issue. At this time, I asked to speak to higher management.
During this conversation, management stated they were going to see if the medication could be reopened the modification review process to consider the non-identity affidavits. On XX/XX/XXXX, I received an email stating the process could not be reopened.
Also, XXXX stated they sent a letter of explanation around the denial ; however, I never received the letter nor was I told about the denial or XXXX during the several phone calls with XXXX.
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| 03/26/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I previously submitted a complaint on this matter. PHH responded and the case was automatically closed by the CFPB. I was informed that I had to submit another complaint to continue this matter.
The major facts have not changed and PHH does not seem to either understand, or care to follow the clearly written regulations.
On XX/XX/XXXX, I informed PHH that I paid my taxes in the amount of {$3300.00} for the year XXXX. I was instructed to fax in proof of the payment, which I did on XX/XX/XXXX, but due to a backlog of such requests PHH didnt mark it as received until XX/XX/XXXX. I did make several follow-ups and was told each time it was in process.
PHH states in their response However, the Real Estate Settlement Procedure Act ( " RESPA '' ) requires the collection XXXX of the total taxes and insurance billed. The total amount projected to be paid for taxes and insurance in XXXX is {$5100.00}, so {$420.00} is required to be collected each month according to the RESPA regulation and is unable to be altered if the bills are prepaid.
This is not true for several reasons. First off, the projected amount to be paid in taxes and insurance in XXXX {$1800.00}, as shown on the PHH Escrow analysis the provided and that is attached. ( {$230.00} & {$140.00} for taxes in XX/XX/XXXX, {$1400.00} for insurance in XX/XX/XXXX ).
XXXX admits in their first response We then updated our system to reflect that the next county tax bill will be due in XX/XX/XXXX. They know there are no taxes, and nothing more than {$1800.00} due until XXXX of XXXX and they freely admit that.
The second reason their response is not true is that per RESPA page 12 : Shortages, Surpluses, and Deficiency Requirements12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ).
Per 12 CFR 1024.17 ( f ) C. 1. ii.Charges during the life of the escrow account.
Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account.
PHH does not reasonably anticipate paying taxes until XX/XX/XXXX as they freely admit.
PHHs own FAQ on how escrow accounts are calculated says that they add together what they expect to pay within 12 months, and divide that by XXXX to determine the monthly payment. That would be in accordance with RESPA and CFR guidelines, but in this case, they are including amounts they admit they know they wont be paying within 12 months.
PHH even goes on to explain that I can submit for other off cycle analyses of my account to get the amount of overpayments refunded. This does not make sense to continue to overpay and then request refunds. Page 3 of the PHH escrow analysis clearly shows overpayment in XXXX of a total of {$3700.00}, with nothing due until XX/XX/XXXX.
The CFR can be accessed at : https : XXXX # XXXX The RESPA guidance can be accessed at : https : //www.federalreserve.gov/boarddocs/supmanual/cch/respa.pdf and it is attached.
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| 05/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I contacted PHH mortgage in XXXX about being out of work due to health issues. They told me to not worry and I could be put on a program that would give me a reduced interest rate and help me get back on my feet. I had been going to the doctor and got my medication back in order and was able to return to work. I contacted PHH in XXXX 2015. They said they would send me a package to complete. I completed the package and sent in the documents on XXXX/XXXX/2015. When my brother called them in XXXX, they showed that my package was not received until XXXX XXXX and they moved my loan to Foreclosure on XXXX XXXX. When he questioned that they told him they had a lot of snow this past winter. This alone shows that they are not entering packages when they are received which is a violation of several laws that servicing companies are required to follow. This should be investigated. I think they may be delaying because I have equity in my property so they will lose nothing, but I will lose everything. I am a XXXX so my brother had tried to help and they have not gotten back to him either. He has called them on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Every time they promise to help and get him a list of the info they need, but I have already given them a whole package of documents and forms and they still have not even submitted me for the program THEY offered. My brother talked to XXXX XXXX and the manager XXXX XXXX. They ask for documents I have already submitted so they say they will recheck the file and get back to him with a list of what they need. He has a check from my church ( that they wrote on XXXX XXXX ) and they say they will get back to him about how to get on the program and post the check before it is 90 days old. Now it is 90 days old. They did not get back to him. I have lost almost a {$1000.00} that could have helped. I have further damage to my credit that could have been stopped in XXXX or at least XXXX. Now I have foreclosure fees added to my loan. I am on the road so I have no idea if I will have a house when I get home or be locked out. This is the kind of pressure that caused my medical problem! I need your help desperately but I ca n't get my mortgage company to tell me or my brother what they need. I want to get on a program. I have a job and the money to get on a payment but I ca n't do it because they wo n't give me the information. I have several months ' payments. I want to have my credit back to on time, since I have been ready to do this since XXXX ( before they put me in foreclosure ). I want them to contact my brother and he can get them anything they need. I think they owe me the {$1000.00} that I had from my church that is now too old to use. I think they should get me on the program they offered. I think they should waive the foreclosure fees since this could have been avoided had they acted as they are required to. I think they should fix my credit so that the past few months that they delayed are fixed. I understand I got behind, but I Have fixed the problem but ca n't fix the loan without their help. Can someone please call my brother at XXXX. He is a XXXX and so I know he understands that they have broken the law. He will be at the XXXX in XXXX next week, but can someone please call him and tell him what is needed.
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| 07/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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At the XXXX of this year I started paying my mortgage bywkly payments of {$500.00} so that my payment of {$860.00} would be paid prior to the month it was due and the extra amount could either roll over to be credited off the next month or applied to the principle. In XXXX I started getting phone calls from my mtg stating I was pass due and that I only sent a partial pmt, I would explain that the {$500.00} I sent was for the XXXX payment and before XXXX XXXX another {$500.00} would be sent, I was told they were unable to except partial pmts and they would hold this in a suspense account until I paid the amount in full. Every month they would apply just {$500.00} totally to the principle and hold the other {$500.00} in their " suspense '' account and say I was behind. I know this is hard to explain but basically I was trying to pay before the payment was due and trying to pay extra. After six months of every month getting phone calls and me trying to explain the money was there it was just misapplied I decided last month to call and document on record I would be sending the {$360.00} that would be just for the XXXX XXXX payment and the {$500.00} that was in the " suspense '' account should be placed with this amount to cover the XXXX payment and I would no longer try to pay biwkly payments ( to try and save me money ) I sent in the {$360.00} with a copy of the email I had received stating the error would be corrected and the {$500.00} would be applied and the account would not so delinquent and no late fee would be charged, so far I have sent XXXX emails and have XXXX phone calls this month stating I sent a partial payment of {$360.00} and this amount has been placed in a " suspense '' account and would not be applied to my account until I sent the remaining amount, when I ask about the {$500.00} I was told it was removed from the " suspense '' account and applied directly to the principle on my account. I have called and emailed to try and get this matter corrected and I am told the same story every time, We do not except partial payments on accounts, when I try to explain the whole story AGAIN I am told they will check into it and get back with me within 24, 48, 72 hrs. I am so frustrated with their system and feel like it is costing me MORE interest on my loan due to the error they have made. I was contacted last night and explained the story to them again and was told the same thing ( that a correction would be made and any adjustments would be applied to the account ). Then I get a phone call this morning asking me the same thing " XXXX XXXX your account is showing due for XXXX you have a suspense balance in the amount of {$360.00} the total amount of your monthly mtg is {$860.00} therefore an additional {$500.00} is required to complete your payment can you take care of that today ''? AGAIN I tried to explain my payment has been made and if someone would research this they would see that and again I was told " yes I see the error and will submit a correction to be made this process will take 24, 48 to 72hrs '' I plan to NEVER try and pay ahead again but I am coming up due on the XXXX payment I plan to send in the amount of {$860.00} but I am so afraid that again it will be misapplied. What should I do? Please help me. Thank you
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| 02/01/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have a mortgage with PHH Mortgage Service that includes an escrow account to pay my insurance and taxes. ForXX/XX/XXXXI prepaid my taxes on XX/XX/XXXX for the amount of {$3300.00}. I reported this to PHH and faxed them a copy of the receipt and statement on XX/XX/XXXXper their request, to complete a re-evaluation of my escrow account. PHH does not dispute that I have prepaid the taxes, and that there are no property taxes due now until XX/XX/XXXX.
By XX/XX/XXXXthere will be a water/sewer tax of {$230.00} due along with a water tax of {$140.00}. Both are paid from my escrow account. In XX/XX/XXXX there will be an insurance bill due of {$1400.00}. These total {$1800.00} for the 12 month escrow period of XX/XX/XXXX through XX/XX/XXXX as calculated by PHH. They do not dispute this.
To pay the required amounts to cover those per 12 CFR part 1024 ( Regulation X ) 1024.17 Escrow accounts I would need to pay an escrow payment of {$150.00} per month, and the cushion/minimum balance should be no more than {$300.00}.
PHH has sent me a statement saying that my minimum escrow payment is {$420.00} per month with a minimum cushion of {$850.00}.
I explained to the tax expert, a customer service representative, and then a manager named XXXX XXXXXX/XX/XXXX( sp? ) that if I paid that amount, I would have a surplus of {$3300.00} by the end of XX/XX/XXXX the end of the 12 month calculation period. They do not dispute this and it is clearly shown on the escrow analysis they sent.
They claim I must make those payments and have that surplus per XXXX ( sp? ) regulations. They did not explain the regulation but XXXX and the other two people both kept saying it was due to those regulations.
XXXX gave me the option of petitioning to be removed completely from my escrow requirement, or to continue to pay the excessive amounts and then request an off cycle escrow analysis after XX/XX/XXXXto get a refund of the excess amount built up by then.
I do not want to be removed from my escrow requirement, I want PHH to continue to manage that as they should. I do not want to pay almost {$300.00} excess to PHH every month and then request a refund in XXXX and then another every few months until XX/XX/XXXX. I want to pay the proper amount for my escrow as defined in the CFR regulations.
I fully understand that in XX/XX/XXXXthere will be a new analysis that will show that my escrow deposit has to increase back to over {$420.00} per month to cover the taxes due in XXXX and XX/XX/XXXX. There are no property taxes due until then though, and those are well over the 12 month calculation period.
Please help explain to PHH that they are collecting far too much. Their own paperwork shows the surpluses and even the FAQ they sent says How did we calculate my new escrow payment? We list all possible disbursements or expenses such as property taxes or insurance premiums to be paid on your behalf for 12 months. We take the total and divide the amount by 12 payments. Total anticipated disbursements divided by 12 payments equals the monthly escrow payment.
If that were true in this case it would match the CFR regulations, but {$1800.00} divided by 12 is {$150.00}, not the {$420.00} that PHH says is my required escrow deposit.
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| 04/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I was behind on my mortgage payments in XXXX. The mortgage company was calling my house 6+ times a day which was very intimidating. They were also sending several letters a week. I reached a payback agreement with my mortgage company for XXXX. The payback arrangement included an escrow account payment and approx {$300.00} extra a month to cover XXXX XXXX and XXXX XXXX. My first payment was made in XXXX XXXX which covered XXXX and XXXX XXXX. XXXX XXXX was to be my last payback payment and starting XXXX XXXX my monthly payment was to go back to a normal monthly payment ( which now includes escrow which was not included before XXXX. ) In XXXX XXXX the mortgage company sent out a statement that continued at the rate of my payback agreement, twice the amount that I am suppose to pay. I paid this amount, but I do not agree with the amount charged. The XXXX XXXX statement is also for a larger amount than the payback agreement. XXXX XXXX I was to be at a XXXX balance. I also question " fees '' charged. My normal due date is the XXXX of the month, but my payback payment was later in the month and the mortgage company ( I believe ) wrongly charged late fees each month. The date for payback payments was set by the mortgage company. There are also " fees '' charged with no explination. After batteling through XXXX and getting my account in order, I find myself once again having difficulty. I am in the construction industry ( self-employed ) and winter months are difficult enough without finding that my mortgage company is altering my payments contrary to our payback agreement. I have spoken to the mortgage company severals times. Each time I go through a series of departments, none of which knows what the other is doing. I am given different information by each person I speak to and feel as I am getting no where. The mortgage company has been pushing for me to make another agreement/modification. Several years ago I tried to go through this company for a HARP loan. I sent a lot of personal information and was told it was n't enough information and was denied the HARP. Because I do not trust the mortgage company I have contacted gov website for making home affordable information and was assigned a counselor from XXXX XXXX. She took all kinds of personal information, emailed me copies and sent all the information to my mortgage company ( while I was on the phone. ) I got a call from my mortgage company account manager and she told me she needed written permission to deal with XXXX. She called 6 days later and said she did not receive any thing from XXXX. Why did she request permission if she did n't receive anything from XXXX? Further, during the year of XXXX, while I was making payments on my agreement, I continued to get letters stating that I was not paying my account on time. Also, on XXXX XXXX, XXXX I received a letter from my mortgage company : " Notice of Case Manager Reassignment. '' When I spoke to my case manager who I had made the payback agreement with he stated that the letter was advertisement. It was from the mortgage company, it was threatening and it truly stressed me out. It was not true information and an attempt to do who knows what on behalf of the mortgage company.
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| 10/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XXXX XXXX, my wife and I received an advertisement in the mail for a " cash out '' refinance from our current lender, PHH Mortgage. We thought it would be a great opportunity to take approx. 25K out to pay off our credit cards and do some long-needed home repairs. We first dealt with PHH Mortgage XXXX, XXXX XXXX ( NMLS ID XXXX ), who sounded very optimistic about our situation, so we proceeded with the application process. When we got to the topic of fees we would be responsible for, primarily the appraisal fee, I was shocked when he said it would be {$700.00}. We have been through refinances numerous times over the years and never have we been charged such a high fee. When I questioned him about it he said, " It could end up being less. '' I thought there was no way it could end up being {$700.00}, since most appraisals we have had in the past ranged from {$400.00} to {$500.00}. Believing this, we proceeded with the application process. My wife also had several conversations with XXXX XXXX, who told her the fees would be rolled into the loan and they would only be charging our credit card {$1.00}, which was required.
Our loan package was then transferred to one of XXXX XXXX XXXX, XXXX XXXX. She completed the loan process with us and was always very cordial with us on the phone. The appraisal was completed and our house appraised at an amount that left us in a great position.
The next thing I knew, XXXX told us our loan was denied because of " negative amortization '' related to our 2nd mortgage. We have never been denied in the past for any such reason. Very disappointed, we decided there was nothing we could do at this point. A few days later, my wife saw a pending amount to be withdrawn from our bank account in the amount of {$730.00}. I immediately called XXXX to inquire about it and she was very abrupt with me when explaining it, almost as if she did not have time for me anymore, since there was no money in it for her. I asked her what the fees were for and she said they were for the Appraisal, Credit Report and Flood Certification. I said the appraisal fee was way too high for our house of our size and value and I did n't even know what the flood certification was. She was very matter of fact and said I signed the PHH forms agreeing to these fees, so there was nothing that could be done. I asked if I could speak to one of her managers and she said I could, but it would not do any good because they would simply review my file and come to the same conclusion that I owed {$730.00}. Hearing that, I simply told her I would look into it more on my own.
The following week, I attempted to reach XXXX XXXX, who started our loan process, since he was the one we had the most discussion with about the fees. Both times I attempted to reach him by phone, he did not answer his line and although I left voicemail messages, he has not responded to my calls.
Incurring these ridiculously steep fees seems completely unfair, particularly when we were led to believe all was well and the fees would end up being rolled into the loan. We fully realize there are no guarantees with applying for a loan, but to me, this was simply stealing from people after giving them false hope.
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| 05/01/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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My mortgage service merged from XXXX XXXX to PHHUS Mortgage. They have absolutely the worst service. I thought XXXX was the XXXX in the XXXX XXXX. Not now, PHHUS is below that, they are the XXXX in the XXXX XXXX.
I received my introduction package a week ago and the information contained in the documents were incorrect. The trial paln mortgage payment was incorrect and when I contacted PHHUS after 2 attempts and rude individuals they told me that was the information that was available at the time of transfer. That information is incorrect becuase XXXX approved me for a trial plain 2 months ago. My trial plan payment was to be {$1700.00} for XXXX, XXXX and XXXX.
Yesterday, XX/XX/2019 I went to my XXXX XXXX office to make my quick collect payment. After nearly 5 attemtps trying to set up my quick collect same day I was informed that the NEW ACCOUNT NUMBER provided by PHHUS Morgage is incorrect and does nut match the BILLER entity which in this case would be PHHUS Mortgage.
I spent 45 minutes of my lunch hour trying to get this straightened pout by callin PHHUS and the attempts went unsuccessful. First there are 3 phone numbers none of which anyone was helpful. One of the phone number is outside the United States of America.XXXX-XXXX-XXXX. I do not provide my personal information to anyone outside the United States and WILL not in this case. In an case the women could not help me and transferred over the the US and the call was LOST.
I then proceeded to call back XXXX-XXXX-XXXX, and still the same situation, no one could help me or either explain to me why I was receiving the XXXX XXXX XXXX XXXX error with my NEW ACCOUNT NUMBER. I asked to speak with a manager, I was transferred and the call was lost for a second time. GREAT SERVICE SO FAR HUH????
I called back for a 3rd time now going on 45 minutes and received XXXX ID # XCM, XXXX was unable to help me. He spoke with his supervisor and they did not know why I was getting the XXXX XXXX Error. He said I could make the payment over the phone using my checking account information which I am hesitent about, because never ever are the trial plan payments allowed to be paid by checking account. ONLY XXXX XXXX XXXX XXXX, BANK CHECK OR CERTIFIED FUNDS TRANSFER. IN THIS CASE NONE WOULD OF WORKED BECAUSE OF THE WRONG ACCOUNT NUMBER POROVIDED BY PHHUS MORTGAGE XXXX INFORMED ME THAT THEY ARE OPEN TILL XXXX IN THE EVENINGS SO I CALLED BACK WHEN i ARRIVED HOME FROM WORK AT XXXX XXXX. ALL 3 PHONE NUMBER S FROM XXXX XXXX TILL XXXX XXXX WERE UNAVAILABE AND HAD A WAIT TIME OF 20 MINUTES WHICH WAS THE REMAINING TIME LEFT TILL PHHUS MORTGAGE CLOSED IN NEW JERSEY OFFICES. GREAT SERVICE HUH?????
AS A RESULT I STAYED ON HOLD TILL XXXX XXXX UNTIL WHICH A MESSAGE CAME ON TO PRESS 1 FOR A CALL BACK. THIS IS XXXX, PHHUS CLOSED EARLY AND DID NOT HAVE THAT PEOLPLE TO HANDLE CALLS OR ACCEPT PAYMENT.
PHHUS MADE ME MISS MY FIRST TRIAL PLAIN PAYMENT AND NOW HAVE TO APPLY FOR ANOTHER MODIFICATION TRIAL PLAN AS A RESULT FOR THEIR XXXX SERVICE. I WILL ALSO BE SUBMITTING THIS COMPLAINT TO THE XXXX XXXX OF NEW JERSEY.
THIS SERVICE AND XXXX XXXX IS COMPLETE NONSENSE AND THIS SERVICER NEEDS TO BE INVESTIGATED ... ....
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| 05/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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My name is XXXX XXXX XXXX and my mortgage company has recently changed from XXXX XXXX XXXX to PHH Mortgage as of XXXX 2016. I received a mail notification with direct debit payment set-up information early XXXX. I submitted direct debit payment request with a void check from XXXX on XXXX XXXX 2016 and received a confirmation from PHH direct debit solution on XXXX XXXX, 2016 that the payment ( normal monthly payment plus a additional {$500.00} principle ) will be drawn on XX/XX/2016. However, the payment was not drawn on XXXX. XXXX and I was not notified until XXXX. XXXX via mail. Without notification, PHH has already filed a report to the credit bureau which significantly impacted my credit score. I called PHH on XXXX. XXXX and made a payment by phone directly which I was advised the payment went through successfully. I followed up on XXXX XXXX and was notified the payment got rejected for " incorrect account # ''. I was not notified proactively by PHH but had to constantly follow up on the status. I was informed to either submit a payment online or physical check. I did both submission with 1 month payment each, as payment may not go through as expected and to prevent further delay due to PHH systematic errors. The online payment went through though I had to pay a service fee yet the amount of the physical check was not drawn from my account for XXXX days. I called on XXXX XXXX and found out the check was " rejected '' due to the loan was not current. Furthermore I was advised by the collection department that a " foreclosure statement '' has been issued due to the account has over 3 months overdue. I questioned the amount that I submitted online was taken.from my XXXX XXXX account on XXXX XXXX ( submission date XXXX XXXX ). The clerk ( named XXXX ) advised nothing was shown on their system hence I should process phone payment immediately to bring the account to current. I just mailed out another check on XXXX XXXX for 2 months payment of {$2800.00}. In order to prevent overdraft, I had to cancel the check from XXXX XXXX the same day, which cost another {$30.00} fee. I advised the XXXX the account was not working when I attempted to make the payment in XXXX. XXXX advised me the payment should be taken within 24 hours and he will give me a call on XXXX XXXX. XXXX did not give me a call on the XXXX and the payment was not drawn. I called again on XXXX XXXX and finally the " {$2800.00} with {$7.00} service fee '' was pulled from the " incorrect account # '' XXXX XXXX.
I am totally frustrated with this newly transferred mortgage company PHH. I never had an issue with the previous mortgage companies for the past 2 years since I started the loan process. My credit dropped from over XXXX to XXXX overnight and I was unaware of the issue. I tried to make XXXX payments between XXXX. XXXX to XXXX XXXX, yet XXXX of them were not successful. I emailed PHH for over 50 emails asking for updates but I was not informed in a timely manner. I called PHH and followed up on payment status as the direct debit payment were setup supposedly on XXXX XXXX and re-activated on XXXX XXXX with un-notified cancellation on XXXX. XXXX and XXXX XXXX.
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| 07/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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My home was listed for sale, a Coldwell Banker real estate client made an offer, went contingent and now has a pending sale. The Coldwell Banker agent sold the buyer that going through Coldwell Banker Home Loans ( mortgage lender ) would be quickest and easiest. The offer was made on XXXX XXXX with a close date of XXXX XXXX. That day has come and gone. The buyer has been 100 % cleared to close on his financial but Coldwell Banker Home Loans has an issue with the Lane the house is on. This issue arrises just two days before closing, they are questioning the maintenance of the lane. The realtor has been to the house with the buyers 3 times and the buyer 4 times. The Lane has always been a " private lane '' and the bank and real estate agent were aware from day one. The buyers were all packed and ready to go to closing on XXXX XXXX. They have XXXX small children and a dog and we found out we were not closing at XXXX ( just XXXX hours before closing ).
The home is located on a " private lane '' and when I say private, I mean there are XXXX occupied houses directly off the XXXX mile, paved/gravel lane, there are XXXX cars that utilize the lane daily, it is extremely well maintained. Its the only way in and the only way out. The Lane is in a populated area off a XXXX In XXXX, a deed was filed with the XXXX County Courts stating that the Lane will be a right of way to access all properties and will be maintained by current residents, aires and successors. The house in question is # XXXX of XXXX on the Lane.
Apparently, Coldwell Banker Home Loans ( CBHL ) is creating a " what if '' situation and holding up the sale of this house. CBHL is trying to create a Home Owners Association, bully the buyer and neighbors. There excuse is " IF '' the buyer defaults on the house and does n't maintain the Lane and the neighbors do n't maintain the Lane, they may not be able to access the property. They want all of the neighbors to commit to the exact maintenance of the Lane. How much time they will commit, who will manage it, who will plow and salt, gravel, etc. This is an absurd request and they are abusing there power as a lender. The Lane has not and will not ever become impassable for any reason. I bought this property in XXXX and XXXX never even questioned the Lane. CBHL is sending an appraiser out to look at the Lane, however, he 's on vacation until Wed, XXXX XXXX. There is not and has not been any sense of urgency in this matter and they do n't care that this family is homeless at the current time. CBHL needs a reality check!
I have done an addendum to the Sales Contract and the buyers have singed it and agree 100 %. If CBHL does n't give the buyers a clear to close by this Thursday, XXXX XXXX at XXXX, the buyers are to apply immediately with XXXX.
I am in direct contact with the buyers and they are just as angry and I am. CBHL is taking peoples lives and recklessly destroying what should be a semi pleasant process for families. They need to be held accountable to process loans in a timely manner. The buyer did his part and as approved on his financial. CBHL is playing games and could careless about the family.
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| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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InXX/XX/XXXX I contacted PHH Mortgage to see to see if I would be able to do a short sale for a significantly underwater co-op apartment that I owned. At that time, I vacated the apartment, kept it in good condition and wanted to continue to make payments to PHH until such time that the short sale process was concluded.
The PHH representatives directed me to fill out an application packet, which I quickly did. Although the application, which I provided, was complete, they incorrectly asked for additional irrelevant information, which delayed the process for several weeks.
After PHH acknowledged the information I provided was accurate, I received a letter in late XXXX XXXX, stating that my application was denied because I was not eligible to be considered for a short sale.
In early XXXX XXXX I wrote/called PHH to understand why I was not eligible for the application and was told because I was up to date on all of my payments ( to be clear I NEVER missed one payment in 14 years ).
I was told that my application would not be considered as long as my payments were current. I explained that if I ceased payments, it would kill my XXXX credit score and furthermore was not what I wanted to do because of how the damaged credit score would hurt me with other personal/business matters.
After hearing from PHH that there was no other way to proceed, I stated to PHH ( on their calls which they record ) and via formal follow up written and electric communication ( which they received ), that although I completely disagree with their forcing me to do this, I would temporarily cease payments as they instructed ONLY if they accurately reported that I was not making payments solely because of their forcing me to do so as opposed to PHH stating that I was temporally suspending payments as my sole discretion.
Furthermore, I stated verbally and in writing to PHH that I would consider such reckless disregard to comply with this as bad faith and that I would be irreparably harmed. I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION.
Thereafter in late XXXX, I received payment notices and calls requesting payments. I responded to all PHH calls and letters with my position, asking for a supervisor to confirm. I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION.
In late XXXX, I was monitoring my ( and my wife 's credit score ) and noticed that there was a negative inaccurate notices from PHH. Once again, I called and sent letters asking for a PHH supervisor to contact me and I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION.
In early XXXX XXXX, I separately was in the process of obtaining a loan from a separate bank and was denied because my original XXXX ( which had me pre-approved ) dropped to XXXX SOLEY BECAUSE OF THE INACCURATE DELINQUENCY NOTICES PROVIDED TO THE CREIDT AGENCIES BY PHH.
When I explained to them what happened, I was told this was a predatory lending practice by PHH and if their bank were to do so they would be sued and fined.
I have now been irreparably harmed by their predatory lending practices and can not get PHH to engage on cleaning up their mess.
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| 11/06/2015 |
No |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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This XXXX complaint is filed against my mortgage processor company making the following accusations:1 ) Pursuant to my complaint # XXXX wherein, on the CFPB Website, I received notice that the company had responded to my complaint, stating that : a. " Response : Company states that " We are continuing our review to complete a formal response. " 2 ) That on XX/XX/XXXX, I received a letter from the office of the President stating that I would receive a response by XXXX XXXX, 2015.
3 ) That as of today, XXXX XXXX, 2015, I have not, and neither has the CFPB website received a response from the company to complaint # XXXX.
I request that the CPFB take into consideration that beyond the above accusation, that the CFPB give due consideration to other actions taken by my mortgage processor during period surrounding the time of the last complaint, and other letters, I have reviewed by my mortgage company. ( Again, I state that I have not received a response from the company regarding complaint # XXXX ) Post my complaint # XXXX ) I subsequently requested additional information from my case manager - for the following information which I have not received : a. A copy of the NAV calculation.
b. I requested a copy of the NAV calculation because it can not be correct, as no appraisal of my property was performed : ( a proper NAV would include an appraisal of my property. ) i. Evidence : I have recorded telephone conversations wherein, as I was concerned about the NAV. During a telephone conversation with my case manager, I was told by my case manager that the mortgage service processor " did not do an appraisal, but that XXXX had done the appraisal ''. ( In a telephone Conversation with XXXX, I was informed that " they do not perform appraisals on properties ''. ) In other words, the NAV can not be correct, as NO APPRAISAL of my property was performed.
c. Additionally, on the same date, XXXX XXXX, 2015, I received another letter from my case manager ( one that is not contained in my complaint # XXXX, XXXX regarding the Homeowners Assistance Program Evaluation Summary '', In THIS letter it was stated thati. " Even though you have a hardship, you are NOT eligible for the Homeowners Assistance Programs listed on the Evaluation Summary '' 1. I was not approved for ANY Homeowners Assistance Programs especially and including : a. Pre-Foreclosure Saleb. Deed-In-Lieu. ( Why have the above basic rights of settlement been removed? ) What is interesting, is that in this Evaluation Summary, I am simply told that I am not eligible for any assistance programs ... NO EXPLANATION/s as to why I was not eligible for these programs were offered. NOT ONE!
Pursuant to my right to appeal the determination, I received nearly a carbon copy of the same letter of XXXX XXXX, on XXXX XXXX entitled " DECISION NOTICE ''. This letter simply restates what was said on XXXX XXXX that, " I am not eligible for any Homeowners Assistance Programs ... .Homeowners Assistance Program Evaluation attached to this notice ''.
i. NO PROGRAM EVALUATION WAS ATTACHED TO THE NOTICE!
2. NO REAL REASONS AS TO WHY i WAS DENIED WERE OFFERED.
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| 08/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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PHH Mortgage Corporation of XXXX, NJ, continues to threaten us with foreclosure, unless we send them two more monthly payments by XXXX XXXX, XXXX ( over {$5200.00} ). They claim that we 're behind in our payments, although, from their very own Account Activity XXXX, ( which covers the entire life of this loan/ XXXX XXXX to the present ), we 're not behind at all, but in fact, are one month ahead, and not by choice. This is the fifth time that PHH comes after us for more money ; money which we do not owe! After forensically examining the above mentioned Account Activity Report, we realized that PHH Mortgage Corp., has consistently kept us one payment ahead, and for many month in a row, two months ahead, while claiming that we 're behind. They demand additional payments and as said before, threaten you with foreclosure, addidional fees and penalties, ruined credit, etc. It all started with a payment in XX/XX/XXXX which they misallocated, perhaps intentionally. They applied our XXXX XXXX payment to XXXX XXXX, which had already been paid less than a month before. From that point on, the nightmare began : Threats, added fees, harrassment calls, negative credit bureau reports, etc. They continued to perpetrate this scam by not allowing us access to their website, citing " being late '' as the reason. Of course, we had nothing but our own personal records to go on by. After XXXX, we never again received annual Account Statements showing all of our payments, fund allocations, escrow activity, balances, etc. Combined with denied access to their website and endless time on the phone trying to get information or dispute anything, basically, they kept us in the utter darkness.
We believe that all these stratagems on the part of PHH Mortgage have been intentional and for the purpose of defrauding people of their hard earned money, and eventually forcing them into foreclosure. The web is replete with horror stories concerning this company, with many people complaining about being on time with their payments, but somehow or another, PHH claiming that they were late! Hmmm! I smell a big rat here.
It seems clear to us now, after very carefully examining our report, that PHH 's strategy is to take your money ( future payments ), place it in a mysterious " Suspense Account '', work your money for interest, and make a hugh profit with it. For additional profits : Undeserved late fees ( {$95.00} per month, in our case ) ; purchase of additional insurances due to policies lapsing as a result of your " late payments '' ; telephone payment fees ( {$17.00} per month ) ; etc.
This horrible company paid for our flood insurance twice in XXXX XXXX, to the tune of {$1100.00} each time. They paid our property taxes twice in XXXX ( {$2500.00} mistake ), and we 've never seen a single dollar returned to us in all these years.
We ask : How can such a company remain in business? How can this terrible company get away with this for such a long period of time, affecting so many people, and causing so many to loose their homes?
By the way : We never chose PHH. Our XXXX loan was " assigned '' to PHH.
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| 05/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XX/XX/XXXX : My loan was transferred from XXXX to PHH Mortgage Services.
XX/XX/XXXX : Talked with XXXX re : setting up a new on-line banking account. I was told to wait until the loan was officially transferred before we proceeded.
XX/XX/XXXX : Received a letter stating that my XX/XX/XXXX unpaid debt was {$2200.00} XX/XX/XXXX : Called and no one answered XX/XX/XXXX : Talked with Agent XXXX, XXXX, XXXX and finally transferred to XXXX XXXX at XXXX.
On-line account was set up and I noticed that my account was showing that I still owed my XX/XX/XXXX mortgage payment and the amount was incorrect. Talked with XXXX and he suggested that I wait until all files had been properly transferred to make sure that PHH system had the correct information.
XX/XX/XXXX : Received two SCRA Notification letters regarding saving my home and applying for service-members assistance program.
XX/XX/XXXX : Called XXXX and discussed the discrepancies in my accounts for over an hour with no resolution. He suggested that I send my payment history to PHH Research Dept., to bring my account current.
XX/XX/XXXX : I submitted all payment history information to PHH as well as talked with XXXX ( XXXX ) for almost another hour. Mr. XXXX did nothing more than repeat information on PHH system. Informed me that I was missing a XX/XX/XXXX mortgage payment, did not acknowledge receipt of my payment history to PHH Research Dept and became upset when I began to challenge the competency of their organization and XXXX 's past lawsuits and legal entanglements. Mr. XXXX stated that he had sent me letter on the XX/XX/XXXX about the status of my account.
When I got home on XX/XX/XXXX, I had two SCRA Notification letters from PHH regarding the delinquent status of my loan. In Mr. XXXX, Case Manager letter, there is a paragraph that states that " ... if a payment of {$720.00} is not received on or before the last business day of the month, that this situation would be reported to the credit bureaus ''.
After reading this threatening and illegal language from an organization that has only had my account for 21 days, I knew that I and anyone else doing business with PHH is in trouble. As a matter of fact, there is a 60-day grace period during the transitioning of this account when no late charges can be applied according to their correspondence to me. It is obvious that PHH is an extension of XXXX and doing business with this organization is a detriment to any average working family or anyone period!
Resolution : To bring my Account XXXX current ; To remove all late charges, collection cost, NSF fees and properly apply funds being held in a suspense account to my mortgage payment history ; PHH to stop sending harassing and threatening letters without factual information and within the policy and guidelines of best business practices ; and Remove MrXXXX XXXX as my Case Manager.
If anyone can help me transfer, refinance or assign my loan to a normal, credible lending institution in America, my life and those like me who are experiencing this same never ending nightmare would be forever grateful!
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| 06/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I NEED HELP. My complaint is with my mortgage company PHH Mortgage. In XX/XX/XXXX I began to have a financial hardship. I have a sick parent and XXXX XXXX XXXX grandfather and I had to leave my residence temporarily and stay in there home in Florida to help them. Due to this I was unable to pay my Mortgage in XX/XX/XXXX and XX/XX/XXXX and I feel like I was set up to fail by my mortgage company, now I am in jeopardy of losing my home. When i called to find out my options I was given a phone financial interview which I was told I pre-qualify for assistance, and advised to do a financial assistance package in order to apply for assistance. This seemed normal because over the course of my loan since XX/XX/XXXX I have had three other hardships and this seems to be standard operating procedures. At no time was I ever given any information about the requirements or rules by the lender of a modification. So I emailed the documents and waited for a response. I called to follow up every few days because I am away from my home and could not receive my mail. I received a phone call by my mortgagee company saying congratulations I have been approved for a loan modification and that my payments would be reduced for 6 months during the trial and after that is complete my payments would return close to the original payments and the past due would be put on the back end of the loan, again going through this three times before everything seemed appropriate. I began making payments as agreed ( payments were called in and paid over the phone ). I made 5 payments as scheduled and in XX/XX/XXXX I called to find out what my new payment would be after the modification. I was then informed I was not on a trial modification I was on a unemployment forbearance and I would be required to do a balloon payment and pay everything past due including the 6 months while I was on the forbearance. As you can imagine when I finally got a understanding of what my situation was i was very upset. i was told by PHH Mortgage ( my Mortgage company ) that my only options are to re-apply for assistance which I did in XX/XX/XXXX. I filled out the financial package again and on XX/XX/XXXX was called by my case manager XXXX XXXX ( who I have n't spoken to the entire time I was on this so called forbearance ) and informed I was denied for the modification because the months past due are greater than allowed I could n't due this other option that was available because I have three prior modifications and my only options are short sale, pay the past balloon payment or give the home to the mortgage company in lieu of foreclosure. I was never told by any agents of the company anything about only being able to do three modifications, if that 's the case then I should have been informed that during the process of my third modification.I feel like I was purposely given incorrect information to sabotage my loan so I give it to them. My financial situation has changed and i am working and in a better situation. I need help! Please assist me in getting a long term solution to this short term problem.
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| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Recently my mortgage loan was transferred from XXXX XXXX XXXX to a company it purchased and now owns called PHH Mortgage XXXX. I was only two months behind and not at risk of foreclosure since XXXX did not foreclose until the loan was 89 days past due.
Today, on XX/XX/2019, I contacted PHH Mortgage XXXX to notify them I would make a payment on tomorrow. I spoke with relationship manager named XXXX. XXXX informed me that PHH would reject the payment I make on tomorrow. I asked why. Per XXXX my loan was now showing for five months due instead of two months due.
I asked XXXX how could that be since every month I made a payment I would call XXXX and speak with XXXX about the payment and I was always told I was two months due. XXXX also showed this information on my online account as well as in reports to the credit bureaus..
I found out that PHH Mortgage XXXX, upon recieving my loan, went back and removed all prior modification agreements which has put me in foreclosure. I had dealth with this same issue for years with XXXX. They would make a modification agreement and suddenly out the blue it would disappear. Their relationship managers ( who are nothing but Hardcore collection agents who use a mix of threats, intimidation, coercion and fear tactics XXXX would then try to hurriedly get the person to send thousands.
The relationship manager isn't a relationship manager at all. They are as previously stated nothing more than a hardcore collection agent whose base pay is a mix of commission.
This is why everytime I call in every other PHH agent refuses to speak with me and they say only the 'relationship mgr ' can talk to me. Again he's a collection agent.
Well, XXXX informed me that when I made my payment to PHH I gave PHH permission to remove all prior loan servicing agreements. Or something similar. This isn't true. I paid PHH because when I tried to pay XXXX the payment was rejected as XXXX had transferred the loan and XXXX had advised me that I had to send my loan to PHH.
I never gave anyone permission to strip my loan of the payment agreement. It was the only way I have been able to keep my home.
I asked to speak with XXXX 's supervisor and I ended up speaking to someone named XXXX who said she was a supervisor and she said that PHH Mortgage XXXX did not have to honor any past agreements or loan terms with the previous servicer.
So PHH decided they would put me immediately back in foreclosure. Without Notice. By making all past due payments, even those payments XXXX had rolled to the back of the loan, now suddenly due and owing.
I told her this was not right. It's a cruel thing to do to someone and it shows me that PHH is putting profits over homeowners.
I need someone to step in. I can not escalate at all when I call PHH. I get a lot of push back. No one ever returns calls. 98 % of PHH agents won't speak to me at all on my loan directing me to one person whose rarely there and I can never really reach them.
Please help me. PHH needs to honor all previous agreements as XXXX 's paperwork stated they would.
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| 04/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage Services, has sent me notice that they are the new servicer of my mortgage loan that XXXX XXXX XXXX XXXX has been servicing for years until weeks ago. I called my loan servicer XXXX XXXX XXXX XXXX on XX/XX/XXXX to let my Relationship Mgr ( XXXX XXXX ) know I was making a full mortgage payment via wire transfer at XXXX XXXX XXXX XXXX but, my normal relationship mgr was not available and had starting missing scheduled appointments, even on XX/XX/XXXX. The other Relationship Mgr ( RM ) told me not to wire the mortgage payment and to make the payment over the phone for free to avoid the wire fee but I told the RM that my father was already in the bank ready to wire the payment but the RM insisted on paying over the phone. This was a 3-way call with my father, the RM and myself. My mortgage payments were more than 60 days late but, less than 90 days as discussed with the RM. I had informed the RM that my new employment started on that coming Monday, XX/XX/XXXX, and that I would catch up on my mortgage payments. As my father started reading the bottom of his check, I interjected after he finished reading the routing number and told the RM not to include the check number, and the RM immediately and rudely said, " Ma'am Be Quiet ''! After, my father read the numbers on his bank account, the XXXX RM told my father and I that the Bank Number went in correctly and emailed my Receipt of a full payment and also sent a receipt through the USPS mail. Then about 5 days later XXXX sent a letter dated XX/XX/XXXX stating that " Your Payment was Returned Unpaid '' ; and that " The payment we received on XX/XX/XXXX for {$1600.00} was returned unpaid by the bank. '' I contacted XXXX XXXX XXXX XXXX and their Clearing House and they have no record of XXXX even attempting to process a payment on or after XX/XX/XXXX. The XXXX XXXX XXXX associate told me, even if XXXX Mortgage had included a check number with the account numbers for payment, XXXX XXXX XXXX would have still processed my mortgage payment. I have supporting documents to prove XXXX Mortgage 's fraud. Even after XXXX made me delinquent purposely on my mortgage, XXXX refused to take my full mortgage payment. Since XXXX until presently, I continued to receive disingenuous information from XXXX Mortgage about modifications, the loan process, trying to pressure me to sign new loan documents with a higher interest rate and/or a balloon payment, etc. In XX/XX/XXXX, I had a third party organization, XXXX, sign to look over my XXXX documents and contact XXXX on my behalf. Then, PHH Mortgage Services recently sent me a letter dated XX/XX/XXXX, that PHH Mortgage Services is the new servicer for this account and collecting payments ; and gave me a new XXXX loan account #. XXXX XXXX XXXX XXXX sent me documents to sign and send them 3 payments of {$1500.00} each due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for an Alternative Modification Trial Period Plan Offer, but recently PHH Mortgage wants the signed documents and payments sent to them, PHH Mortgage Services.
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| 02/14/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX to seek advise on how to apply for a modification, ( it was over the phone ), the first question she asked me is that " are you current on your mortgage? what is the reason why you 're applying for modification? My answers were Yes, I am current and I want to make my mortgage lower because I 'm having a hardship ''. She then advise me not to make payments for at least 3 months in order to show to my lender that I 'm really having a hardship making my payments. And she told me that I have to pay {$2500.00} for their service but she did not tell me that I have to pay {$500.00} every month until the modification is done. So we waited until XXXX XXXX, she then email me the paper works to fill up. All the documents that they requested was sent but it was already a year and nothing happened so I asked another agency ( XXXX XXXX ) and they told me that modification should be done by XXXX4 months only and then advise me to stop dealing with XXXX and just work with them instead.
I started working with them on XXXX XXXX, XXXX and same thing I gave all the documents that they needed.
.
Please advise if we can do something about it, I know I can no longer get my house back but it was so painful and unfair and XXXX, we were forced to moved out from the property on XXXX XXXX and we were staying at a friend right now because I 'm having hard time to get a place for me and my family because of my credit. I just hoped that they gave me chance to work on it or at least sell the property myself.
XXXX XXXX XXXX was already foreclosed and sold. XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX XXXX XXXX, phone # XXXX ) promised to help me save my home, first, they advised me not to pay my mortgage so that I will make PHH believed that I am really having hardship because I lost my job, I paid them almost {$9000.00}, it was almost a year but it never get done, he always said that its under review, I also tried to work directly with PHH mortgage and I submitted all the paper works that they requested. An agent from XXXX XXXX XXXX. from XXXX CA offered help to get the modification done that will cost me {$3500.00} ( need to pay them $ XXXX monthly ) but still nothing happened, I know they did all their best but PHH Mortgage still foreclosed and sold my house to XXXX XXXX. in CA without notifying me that it was already foreclosed and sold on XXXX XXXX, XXXX. I was forced to leave the house because the new owner filed an eviction complaint against me. PHH did not gave me a chance or an option how to fix the problem. The property has an equity of almost {$250.00}, XXXX and they should just allow me to sell the house my self so I can get something to start with, I faced eviction and the XXXX I faced and my XXXX kids was very painful. I did not even know that the modification was denied because I did not received any notice, I just found out on XXXX XXXX, XXXX when the Sheriff came and told me that the property is already foreclosed and was already sold.
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| 06/13/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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XX/XX/XXXX i had a loan modification with XXXX XXXX which i honored, i never miss a payment. Six month later the loan was transfer to XXXX ( XXXX XXXX XXXX ). Upon takeover XXXX unilaterally change the term of the the loan modification from XXXX years to XXXX years nearly double the monthly escrow escrow which trigger default again.When i asked them why the escrow on the property was so high? The answer was check with your city property tax department. I send them the proper tax bill from the City over and over again to prove no dramatic change on the tax bill just to be ignored.
For more than 2 years they refuse to apply the proper tax on the loan and show a complete refusal to honor the previous loan agreement. They hold on it and then transfer it to PHH. The new Mortgage servicing company forced me to apply for modification again which result to a denial while the the loan still have close to {$400.00} excess on the escrow account. The reason for the denial was Insufficient income. I confronted PHH with the error on the property tax they correct it without removing the excess accumulated for the pass years nor offer any new agreement .The change on the escrow was just to make me quiet. on the payoff note The escrow is still high as off now.
Since i see PHH is moving fast to foreclose wrongfully, i send them a letter explaining the situation with default payment plan agreement proposal with the correct amount owed one month payment according to the plan. They rejected it and stated we can not accept any payment from me. They return the check.
Phh makes me apply about 3 times for modification. the end of each cycle was incomplete ( Missing Documents ) I send the same document over and over again. They claim they did not received them. to make sure they can play this deceptive game they no longer receive document by email but only by fax an by mail.
We are in the middle of the foreclosure process. The referee ask them to do an escrow analysis and give the reason for the escrow overcharging. The new answer now as of XXXX XXXX is not the property tax but the default.Their lawyer give a whole new explanation stated that " they had to factor in your deferred payment and change the term of your modification from XXXX years to XXXX years because you defaulted on your loan modification agreement ''. A default triggered by XXXX because they refuse to honor the previous bank modification agreement. XXXX Change the term of the loan agreement shorten the term from XXXX to XXXX years and raise the monthly payment.
This situation drives me crazy the fear of loosing my home is getting bigger everyday. I feel powerless been used and abuse by those loan servicer using a sophisticated scam to foreclose on my home wrongfully. Now they packed the loan with fee and moving fast to foreclose.In resume XXXX and PHH work jointly one setup the default the other move on to take advantage, steal it by foreclose wrongfully on the property while refusing to honor my original loan modification agreement.
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| 03/20/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX, after my bankruptcy was discharged, I applied and was approved by XXXX for a loan modification in XX/XX/XXXX.
The XXXXrial Period Plan required three payments of {$1800.00} on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX.
XXXX also found that there was a lien on the property for unpaid HOA fees. XXXX verbally stated that I would be provided plenty of time to provide proof that the lien was inaccurate. In XX/XX/XXXX, I provided XXXX with a copy of the HOA ledger showing that my property had a {$490.00} credit. XXXX did not accept the HOA ledger provided by the management company and required that the lien be released.
In XX/XX/XXXX, the first payment was automatically deducted and processed without any issues. Furthermore, during XXXX, XXXX notified me in writing that the company was consolidating with XXXX Mortgage XXXX and that all mortgages would be handled by XXXX effective XX/XX/XXXX.
On XX/XX/XXXX, I sent to XXXX, by email as required by XXXX, a copy of the notice of lien release ( dated XX/XX/XXXX ). On the same day, I telephoned XXXX to ensure that they received the XX/XX/XXXX payment and my email with the Notice of Lien Release.
XXXX confirmed receipt of both and advised me that the final payment would be paid to XXXX on XX/XX/XXXX ; but, the PHH would send the final Mortgage Agreement to permanently modified my mortgage.
However, on XX/XX/XXXX, my final trial period payment was not processed.
On XX/XX/XXXX, I contacted XXXX who stated that they no longer had my file and I must contact PHH. On the same day, I contacted PHH by phone and email. During my phone convesation with PHH, I owed almost {$15000.00} and the account did not show that I was in a trial payment period. Then the PHH representative stated that my account wasn't completed reviewed or process by PHH and I should provided them with at least 2 additional weeks.
On XX/XX/XXXX, PHH stated that the final XX/XX/XXXX trial payment was not accepted by XXXX or PHH because on XX/XX/XXXX, XXXX denied the loan modification on the basis that the lien release was not recorded. The PHH representative suggested ( 1 ) apply for a loan modification ; or ( 2 ) request my file to be reviewed for errors so that PHH may determined if the lien release was recorded before or after the XX/XX/XXXX denial decision.
In none of XXXX 's documentation, including the Trial Period Plan, was a deadline provided for the lien release. The only requirements were that ( 1 ) the title on the property is clear and ( 2 ) three payments made on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX.
A complete chronology with all attachments, including but not limited to, emails, notices, trial payment period, was submitted to PHH my email on XX/XX/XXXX. PHH will also receive a hard copy of this chronology and notice of this complaint by mail no later than XX/XX/XXXX.
Because of the size restrictions, the chronology without attachments will be uploaded to the CFPB. A limited number of attachments may be uploaded at a later date.
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| 05/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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In XXXX of 2018 my husband got sick and was unable to work. We immediately applied for a mortgage modification with our mortgage company, XXXX at the time. After several months of delays and requests to submit the same documents over and over I contacted the ombudsman. A short time later we were approved for a trial modification to begin in XXXX and continue for three months. I made each of those payments early. I hadnt received any other information so in mid XXXX I made a payment for XXXX. Shortly after I received an email that we had been approved for a permanent modification. I waited a couple weeks but never received the paperwork. I emailed XXXX to let them know I didnt receive it. During this time my account was being transferred to PHH Mortgage. My husband also passed away in mid XXXX. Finally at the end of XXXX I received an email containing the modification agreement. I immediately signed as successor in front of a notary and mailed the documents to the address provided. One of my coworkers is a notary so I signed in my office and walked the documents to the post office next door that same day. During the time between XXXX and XXXX while I was trying to get the modification paperwork I spoke with someone at PHH. I was asked to send in my husbands death certificate and I was assured that this would allow me to assume the mortgage. I faxed a copy to the number provided. Shortly after I sent in the modification agreement ( early XXXX ) I received a letter asking for additional documentation showing my right as successor. I emailed a copy of my drivers license, the original warranty deed showing my husband and I as joint tenants, and information from my county assessor showing me as the sole owner of the property. Colorado law states that property automatically transfers to the survivors on a deed when one dies. I didnt hear anything back and I was still unable to make any payments. In the beginning of XXXX I started contacting both customer service at PHH and the assumption department I sent my information to. After several emails I finally received a response just last week from customer service informing me that the modification was canceled because they didnt receive the paperwork. Supposedly a letter was sent informing me of this, but I never received it. I suspect it was addressed to my late husband whose mail is returned to sender by the post office as he is deceased, if this letter was actually sent at all.
I sent that paperwork as soon as I received it at the end of XXXX. This is far too important for me to delay or put my home at risk. I just lost my husband and now I risk losing my home because my mortgage company is either incompetent or a scam, and trying to force me into foreclosure.
I have done everything that has been asked of me and I would still be making my payments if my account information and payment access was correct and available. I would like this resolved and the modification I signed to be honored.
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| 09/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
Older American |
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Our mortgage was with a company named XXXX. After filing bankruptcy discharged in XXXX XXXX we applied for mortgage modification in XXXX XXXX. After 9 months of supplying information we were approved for the modification. Our XXXX trial payment was due XXXX. We sent our first trial payment to XXXX. They received the payment before the due date as the record shows and cashed our check. Unknown to us, the mortgage was transferred the same day of the due date of the first trial payment XXXX XXXX XXXX XXXX. We were not notified of the trabnsfer until later in XXXX. We sent the next trial payment due XXXX XXXX. to PHH Mortgage they received the payment on time and cashed the check as the record shows. Our third trial payment was due XXXX XXXX. I called PHH on XXXX XXXX. and with the assistance of XXXX XXXX I made the third and trial payment with an ACH check which I will attach showing PHH received it on XXXX XXXX XXXX XXXX and the funds were transferred to their bank account on that date. After much confusing and misinformation by PHH we received the attached letter dated XXXX XXXX, XXXX saying they are honoring the terms of the modification in paragraph XXXX, upon receipt of the XXXX trial payment. They had already received it. We want them to comply with their commitment to honor the terms of the modification. The terms were met. Also the terms of the loan modification state the insurance and taxes are included in our payments as the record shows. This letter states in paragraph XXXX, XXXX failed to inform PHH of the loan modification. They also failed to notify us of the mortgage transfer in a timely manner. Also in the attached letter dated XXXX XXXX, XXXX, she states the record shows we appied for mortgage assistance with PHH on the loan. This is false as we had already been approved. I was asked if I wanted to apply on this loan and I said no as we were already approved. Their is nothing in the record showing we applied for mortgage assistance on loan # XXXX. The statement in paragraph XXXX is false in saying we applied.The " package was incomplete '' because their was n't XXXX. We just want to get on with our lives as this has been going on now for over a year. They need to do what they say they are going to do. Please see attached trial agreement with XXXX showing the XXXX trial payments are due on the first of the month starting XXXX XXXX. XXXX. The letter from XXXX XXXX, XXXX from XXXX XXXX stating they are honoring the terms of the modification. The ach check to PHH drawn from our bank and into theirs XXXX XXXX st. the due date complying with the terms of the agreement. XXXX XXXX told me to send the same amount of the trial payment for our regular payment XXXX XXXX. which we did and it was returned to us. They have said they will accept no more payments. I will also attach the original trial payment agreement with XXXX showing the payments were due on the XXXX XXXX of each month not the XXXX. as stated by XXXX XXXX with PHH.
|
| 04/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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PHH Mortgage Services is my mortgage and I received a letter for " Foreclosure Intention ''. I called them as soon as I received the letter stating I was two months behind in payment. I called and spoke with the mortgage representative on XX/XX/XXXX @ XXXX. They would not speak to me since I was in bankruptcy. I went into bankruptcy 4 years ago since I used my personal credit cards to pay for materials and bills since he is self employed. I thought XXXX of the companies that we XXXX for were not going to leave the state and all the unpaid invoices which they did. I learned to keep personal and business separate in a very costly fee. I called the number that they told me to call the next day. They told me they would not talk to me and I had to contact my bankruptcy attorney. I called and spoke to my attorneys assistant and emailed her copies of checks that were cleared front and back since XX/XX/XXXX. She was confused and left two messages with them and they finally called her back stating they can not talk to her since I have a prior attorney?? We both did not understand that. She told me that they would open the lines for anyone to talk to me regarding the delinquent amount. I called and spoke to one rep who told me that I was not receiving monthly statements, but could not talk to me and transferred me to another rep. They told me after leaving me on hold for a lengthy time and speaking with another rep to figure it out. XXXX stated that is started XX/XX/XXXX with the Escrow Analysis that they did. He then told me that I was finally making the correct payment in XXXX XXXX after they did another Escrow Analysis. I still did not receive any phone calls, notices or emails regarding the back balance. They sent me a check in the amount of {$1000.00} that was in a suspense account. I asked what they did with my payments and he stated they went towards the payment due and the shortage was sent to a suspense account. They could not keep the account anymore and sent the check to me. We did change insurance agency in XX/XX/XXXX. I did get a check in the amount of {$740.00} that my previous agency XXXX as a refund. I asked XXXX our new agency and she told me to send it to PHH Mortgage. I called on XX/XX/XXXX at PHH Mortgage and spoke with XXXX and she told me to cash it and send it to the address she gave me and attention Escrow. Which I did. The loan is still under my maiden name, even though, I called them and they changed it on my coupon books that I was receiving at that time. Then I just send a letter each time with my check to have it submitted for my monthly payment. I now continue getting letters each day from PHH Mortgage regarding this issue which does not help with the stress with myself and husband. XXXX advise me to go to XXXX and it will show me info. He faxed me the XX/XX/XXXX Escrow statement since I would not be able to look at it on line. I just do not know how it came to exactly 2 months of payments delinquent?
|
| 11/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
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I have a condo in NJ that is in foreclosure. I am now XXXX and on SSDI and my condo is underwater. I got a chapter XXXX discharge surrendering the condo onXX/XX/XXXX. My research shows that three property liens survived the bankruptcy including my first mortgage. The foreclosure process officially started on XX/XX/XXXX with a letter from the bank. It resumed after I got my bankruptcy discharge. On XX/XX/XXXX and again on XX/XX/XXXX I wrote a certified letter and followed it up with a email E SIGNED to my banks attorney and my bank with the letter of XX/XX/XXXX sent as QWR.
These coorespondences specifically were sent to make sure we were all on the same page as to my intentions and the laws that protected me as a result of the bankruptcy discharge. I said I can not and do not want to save the condo or cure the default but in light of certain obstacles ( Junior Liens, my XXXX and financial status ), how could I deal with so there is continuity so the process would be easier for both and requested relocation money and time? They were at a point in the foreclosure where they were getting ready to Enter Final Judgement which I thought was about having me removed. Regardless, of what I thought, they mailed me a package for me to try and be screened to save the condo dated XXXX and all the copies of certain documents. I was conflicted and confused why they asked this of me as my letter told them I can't save it as per my chapter XXXX petition. I did mail it all on XXXX non certified. I had heard nothing regarding my QWR wanting continuity and asking for relocation money. I got a phone call from my bank on XXXX from loss mitigation that they were looking to do a DIL and asked ME to contact certain Junior Lien holders to make a deal to release their lien s. They emailed me a summary and while I understood what they wanted I had to look further into all of it. My bank it turns out settled a class action suit for abuses and errors during the loss mitigation foreclosure process back in XXXX and I was one of them. They gave me a predatory lending modification. They were fined also for " Conveying conflicting messages to certain borrowers engaged in the loss mitigation process '' Now that is exactly what they were doing to me again. Asking me to contact these lien holders is a violation of the bankruptcy Injunction. They wanted a move out date. I have still not received a proper answer on my QWR. To even start a DIL it must be in writing explaining the terms. Then they have to go through the courts to ask for certain motions. This is why I wanted a single point of contact. They clearly, were trying to do things for their best interest another major violation. No bank will think about a DIL when there are Junior liens and they knew that. I wanted Relocation money and time to find a place being XXXX. The deed to this condo must be out of my name with no existing liens and you can then get any agreed upon money and time to move
|
| 05/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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My husband and I were in a repayment plan because we fell behind on our mortgage due to a temporary loss in income in early XXXX due to the fact that I had my XXXX replaced due to XXXX XXXX. I am XXXX XXXX and my husband has regular wages however I make more money than he does. Anyway the repayment plan almost doubled our mortgage. We received a 90 day notice from XXXX mortgage attorney in XX/XX/XXXX which is why we were put in a repayment plan which stopped the pre-foreclosure process. I had a car accident on XX/XX/XXXX which left me with XXXX in my XXXX and XXXX, and unable to XXXX without a XXXX XXXX. We struggled to make the payments up until XXXX of XXXX and many of our bills fell behind due to the loss in my income, and at the same time they switched our mortgage services from XXXX to PHH mortgage based in NJ. We contacted PHH and told them our predicament and they advised us to apply for mortgage assistance ... ..they said we didnt qualify for a loan modification because we had 3 in the life of the loan. They then told us to apply for other programs and we did and they lost our paper work. We then sent in new paperwork via certified mail with a signature and they denied us again because we more than 90 days past due in which they already knew. Every time I call the customer service reps seem to not be knowledgeable about whats going on. They seem to be trying to stall the process so they can foreclose. Anyway, as of XX/XX/XXXX I went back to work and stopped XXXX XXXX against my doctors suggestion because I needed to get back on track financially. After they denied us the third time, I asked for a new payment plan an they said no because we were in active foreclosure. I called their attorney for the court filing information however they said nothing was filed. A local agency looked over our income and situation and told us to take the summons to the court however as of XX/XX/XXXX per their lawyer there is no such document only the 90 day letter drafted in XXXX of XXXX. I then called PHH mortgage again and told them what their attorney said, thus asking for a repayment plan and they said no, even though there is no active foreclosure at this time. I provided them with my medical and hospital records and nothing was looked at. Also my daughter is in the XXXX XXXX XXXX and this is her residence as well but they did not seem to care. This company constantly provides us with misinformation and their home retention team is awful. Apparently there are only 2 programs that can help and we dont qualify for anything. We want to stay in our home and we are willing to catch up the arrears if giving the opportunity to do so. I was a XXXX employee for 14 years prior to becoming XXXX XXXX and my husband works for the XXXX. XXXX therefore we have the income to recover. The recent mortgage servicer change has proven to be a nightmare. Thank you.
|
| 09/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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For more than a year, the XXXX XXXX XXXX XXXX website/XXXX XXXX XXXX website has not opened without problems. It has taken roughly 20-50 minutes each month for this website to open when it would open. Trying to pay my mortgage online from a device at home has been extremely difficult and time consuming, and sometimes, it was not possible to pay my mortgage online at all and I became late in payment because of their dysfunctional website. I spent about 2 hours on the phone with customer service over the course of several months trying to resolve my issues with their website not working. I used several different devices, browsers, and operating systems.
Last month, I became unable to login to my mortgage account at all. I called on a Saturday morning at XXXX XXXX for assistance and was told that the mortgage division was n't available. On a weekday, shortly thereafter, when I could get away from work obligations for a short time, I called an " escalation expert '' about this. She said this was a known issue. She said that " a lot of people were having this problem '' and she took me through several steps to try to resolve the problem as if this was an issue she dealt with regularly throughout the work day. She mentioned things like, " usually this works, your last reset was in XX/XX/XXXX which was before we ..., so you will require a reset to be able to access the system ... '' It was very obvious from talking to her that she did this several times a day and that this was an issue PHH was well aware of that was impacting many, many customers ability to access their accounts online. ( Their phone system states, press XXXX to reset your account, press XXXX for everything else ). These steps still did not allow me to login. I was on the phone with her for about an hour. I eventually, had to go back to work or lose my job, so I had to end the phone conversation before my issue could be resolved.
I called again on XX/XX/XXXX and spent another hour on the phone with XXXX XXXX who also could not resolve my login issue after several attempts. XXXX confirmed that I was charged at least one late fee and that I do not have a flawless payment history. This should not be the case. I have attempted to pay my mortgage on time every month, however the website did not always allow me to login.
In XX/XX/XXXX, it is reasonable for a consumer to expect to be able to login to a creditors website and pay what is owed online monthly within 3-5 minutes successfully without issues once their initial login is created and working. Each time, this dysfunctional website blocks me from being able to make a payment online, I am incurring interest charges for the unpaid amount. This is what I am most upset about. PHH Mortgage Services prevents me from making a payment online, then they profit from that fact by charging me a late fee and additional interest.
|
| 05/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
In short, XXXX XXXX failed to disclose essential information regarding loans he procured for XXXX of my rental properties, directly resulting in {$18000.00} in additional expense to me and {$6400.00} in additional compensation for him.
In XXXX 2016 I purchased XXXX rental properties with loans procured by XXXX. At the beginning of the financing process XXXX provided me with disclosures indicating that the rates on the loans would be XXXX with XXXX points payable for his commission. I never received any other disclosures. Partway through the financing process XXXX informed me that he was not confident that he would be able to finance me in-house through Axiom Financial due to my income, and encouraged me to switch to a different lender. I reminded XXXX that if he included my wife 's income I would easily qualify for financing with Axiom, but XXXX told me that would not be necessary and insisted that switching lenders was the right choice. XXXX never disclosed to me that the original rates and terms he disclosed would not apply to the new loans. My attorney later informed me that this was a direct violation of Utah law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
When I arrived at closing I learned that the rates on the loans XXXX procured would not be 4.625 % as disclosed, but 6.375 % and 5.875 % instead. Additionally, the commission owed for XXXX 's services would be XXXX points instead of the XXXX points disclosed ; a difference of {$6400.00}. Also, a pre-payment penalty of {$5700.00} would apply if I refinanced. If I did not close using the loans XXXX procured, I would lose {$7000.00} in earnest money and roughly {$30000.00} due to XXXX exchange restrictions. XXXX was on vacation in Hawaii at the time and was not present at the closing to comment on the matter.
I closed using the loans XXXX procured for me and immediately sought refinancing. The first lender I contacted was able to easily refinance me at 4.25 % on both loans ( it was not necessary to include my wife 's income ). I have now incurred {$18000.00} in unnecessary expense due to XXXX 's unethical behavior : {$6400.00} in paid for XXXX 's compensation above what was promised, {$5700.00} in pre-payment penalties, {$1400.00} in additional loan interest due to the rates being higher than the 4.625 % XXXX disclosed, and {$4900.00} in closing costs for the new loans. When I contacted XXXX about the matter he blamed the lender for failing to disclose and refused to refund the additional amount paid for his commission as he is required to do by law. ( My attorney later informed me that XXXX had full responsibility to disclose, regardless of the lender 's actions. ) Since my experience with XXXX I have learned that several of my personal acquaintances have also had negative experiences with him professionally ; at least XXXX of whom is a former client of his.
|
| 03/19/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
OnXXXX XXXX, 2015, PHH Home Loans , LLC stated to the Consumer Financial Protection Bureau in writing that, " Our records indicate your loan application was preapproved based on verbal information you provided the Loan Officer. '' ( please see attached ). This is completely false. PHH Home Loans is establishing a history with providing false statements to justify their wrongdoing. I am providing documentation to prove that I provided legitimate documents ( in writing ) via email to the loan officer ( XXXX XXXX ) on XX/XX/2015prior to receiving a pre-approval letter. My written information that I provided the loan officer included documentation from XXXX/Tax Information ( that listed my employers for two years ), pay stubs ( that listed my current income and employer ), bank statements ( that also listed income from my employers ), and paid in full letters ( please see attached ). The loan officer also did a hard inquiry and pulled my credit report on XXXX XXXX, 2015, which I had over XXXX credit scores from all three credit bureaus ( please see attached ) prior to issuing me a pre-approval letter. I provided all of these documents ( please see attached ) to the loan officer for her to analyze as stated in their application process prior to receiving a pre-approval letter onXXXX XXXX, 2015 and XXXX XXXX, 2015 for different loan amounts ( please see attached ). They also made false statements regarding my previous employers. Further, to justify their false letter to the Consumer Financial Protection Bureau, PHH Home Loans , LLC intentionally provided Consumer Financial Protection Bureau with the false Statement of Denial that misrepresents incorrectcredit scores they have stated in the XXXX 's and XXXX 's and incorrect credit information, which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans , LLC has intentionally provided false statements to Consumer Financial Protection Bureau just like they provided false statements and misrepresentations as to why they denied my home loan.
PHH Home Loans also stated in its XXXX XXXX, 2015 letter that FHA requires borrowers to provide a statement. I am providing documentation from FHA guidelines, which do not state this at all. Once again, PHH Home Loans provided false statements Consumer Financial Protection Bureau to justify their actions. If PHH Home Loans , LLC had legitimate reasons for denying my loan ( which it does not ) and if they denied me based on honest reasons other than my race, then there would be no need to come up with and make false statements and misrepresentations as to why it denied my loan. PHH Home Loans knows that I qualified for my loan at the time of my initial application ( XXXX XXXX, 2015 ) that they are refusing to allow me to have based on their false information, which had caused me to be homeless.
|
| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We started the loan modification process XX/XX/2019 with XXXX. We were turned down but re-applied with more income information. We contacted ( or tried to contact ) XXXX numerous times, but the loan modification was not resolved by XX/XX/XXXX when PHH took over. Our loan payment has jumped from about {$1600.00} a month to approximately {$3200.00}.
We followed instructions to wait 7 days after XX/XX/XXXX to contact PHH. Here is what happened from XX/XX/XXXX until today, XX/XX/XXXX : XX/XX/2019 Called re loan modification and PHH login help. Couldnt log in. The person I talked with said theyd connect me with the website people but after about 20 or 30 seconds, the call ended. Didnt get the reps ID. 25 minutes XX/XX/2019 Called again to try to talk to website people. On hold for 8 minutes so I am calling another customer service number XXXX-XXXX-XXXX Spoke to XXXX, ID XXXX. He tried to transfer me to our relationship manager. RM didnt answer.
XXXX said only our relationship manager, XXXX XXXX, can talk with us, no one else. Suggested calling Monday because XXXX doesnt work on Saturdays. XXXX-XXXX-XXXX, ext XXXX ( which turned out to be the wrong number ).
Next I talked with a web person ( XXXX XXXX ) because I had trouble logging in. Fixed it. 30 minutes.
XXXX-19 Called for XXXX XXXX, but he wasnt available. Scheduled appointment for Tuesday, XXXX-19. He will call between XXXX and XXXX XXXX.
XXXX-19 No call from XXXX XXXX. Sent him an email. Called again. Spoke with XXXX ( ID XXXX ). She said XXXX XXXX extension # is XXXX, not XXXX as XXXX told me. Got shuttled back and forth. Spoke to XXXX ( ID XXXX ) who tried to put me through to XXXX XXXX. Spoke with XXXX ( ID XXXX or XXXX ). Asked to speak with supervisor. XXXX emailed the supervisor and someone is supposed to call within 24 hours. Spent about 90 minutes on the phone.
XXXX-19 No call from XXXX XXXX or anyone else. Its now XXXX XXXX in New Jersey.
Logged into our PHH Mortgage online account and tried to access the Homeowners Assistance Portal, but that apparently takes a DIFFERENT password which I dont have. I got this message : You are about to access a secure website that will help you submit and process your request for assistance with your mortgage - i.e. loan modification, short sale, etc. By clicking 'OK ' you are leaving XXXX and entering a website owned, controlled and operated by a third party. This link has been provided for your convenience for submitting information for review.
I understand this is a transitional time, made worse by the layoff of 2,000 employees when XXXX and PHH were combined. We can not get through to anyone to resolve this issue. We would like to escalate the request and request a temporary forbearance for a few months and be allowed to make our former payment amount until this all gets sorted out. Thank you.
|
| 01/24/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
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To whom it may concern, My name is XXXX XXXX, I was referred from my former California credit union to apply for a loan ( a Mortgage company from New Jersey PHH mortgage company ) to purchase a condo in XXXX. Beginning of XXXX 2015 that PHH mortgage company approved me at XXXX and informed me I would get a loan package via XXXX / UPS with documents that needed to be signed, information about the company, about the loan, rate etc. within 24-48 hours. I never received that package. Around 6-8 days later ( Friday XXXX/XXXX/15 ) I received an email from the loan processor, who contacted me with his info and informed me that he needed specific documents by Monday XXXX/XXXX/15 to process the loan. I called him up and told him that I was waiting on the package that the orig. loan consultant had told me, so that I can send them over the documents. I was waiting for a week and nothing had come to my address, I even had called the company many times to find out if they had sent the package out.
I said to the loan processor guy that the time frame ( within 3 days ) to get him all documents by the XXXX of XXXX is a bit tight, because I work as a flight attendant and work transatlantic flights. He informed me that I can fax and email him all documents such as XXXX forms, income statements etc. and if he does n't get those documents by the XXXX my loan would fall through and I could not continue with the closing process. I scanned my documents and emailed what he wanted. Days later that PHH MORTGAGE company had done an appraisal on the XXXX unit/ condo that I was interested in and undervalued the property ( at XXXX ), therefore PHH suspended / froze the loan because they did n't think the bidding price at XXXX was ACCEPTABLE. In the meantime I paid for a home inspection at XXXX $ plus western union fees, and the PHH Mortgage wants to charge me a non refundable fee at around XXXX $ because the loan fell through. I called them up and said that they have n't rendered me a service because they never called me up or my agent when we wanted some updates on the process, they constantly delayed things and requested documents over and over again.those documents were already submitted by me or by my real estate agent. at the end they undervalued the loft, when the average prices of condos downtown XXXX are around XXXX and up.i believe they intentionally undervalued the loft to collect unreasonable fees from potential borrowers. Via Internet research it seems that PHH IS conducting business like that.
It seems to me that this PHH mortgage company was scamming me and afterwards I was checking the Internet out and found out that they are taking advantage of consumers. They have many complaints with the consumer fair protection bureau, there 's is class action lawsuit against them for multiple fraud action.
Warmest regards XXXX XXXX
|
| 07/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This complaint is in reference to PHH 's ( i.e., XXXX XXXX, Senior Liaison, Office of the President ) response to complaint number XXXX. In PHH 's response they referenced not being able count the interest paid because it was paid in arrears. PHH also mentioned that the information in their response could be found in IRS Publication XXXX.
For this complaint I am asserting that PHH has misrepresented the information in their response and misrepresented the instructions found in IRS Publication XXXX for the following reasons : 1 : Arrears by definition means money that is owed or due and should have been paid earlier. For example : The 13th payment was made on XX/XX/XXXX in the amount of {$1000.00} for XX/XX/XXXX, any interest paid as part of that payment would have been for interest accrued until XX/XX/XXXX. Just because the payment was due In XX/XX/XXXX does not mean that interest associated with the 13th payment was paid forward for interest which had not yet accrued. If PHH is claiming that part of XX/XX/XXXX payment was used to pay interest for XX/XX/XXXX, a period of time for which interest had not yet accrued, then I believe this is a misrepresentation of the facts.
2 ) IRS Publication XXXX specifically states on page 8 " The statement will show the total interest you paid during the year, and if you purchased a main home during the year, it also will show the deductible points paid during the year, including seller-paid points. However, it shouldn't show any interest that was paid for you by a government agency. '' The information I provided in complaint XXXX clearly indicates that all of the interest ( {$13000.00} ) was paid in XXXX. Therefore, as required by IRS XXXX, all of the interest paid in XXXX should have been shown on my XXXX for XXXX.
3 ) IRS publication XXXX discusses prepaid interest on page 8. However, since interest accrues in arrears, no interest was prepaid for XXXX. The 13th payment was paid on XX/XX/XXXX. This means that any interest paid was for interest that had accumulated on the loan between the 12th payment ( XX/XX/XXXX ) and the 13th payment ( XX/XX/XXXX ) ; all interest being paid in XXXX and not prepaid for any part of XXXX. Any money that was paid early ( XXXX and prior years ) would have helped to reduce the principle balance and thereby reduce the interest that was estimated to be due at the time the loan was originated. So while the principle was paid in advance, the interest was not. There is no interest that was paid in XXXX that should be considered a prepayment of interest for XXXX.
I respectfully request PHH to provide a revised XXXX that accurately shows the {$13000.00} paid in interest in XXXX, plus an additional {$150.00} to cover the cost of having my accountant file a corrected tax return once PHH corrects their error.
|
| 03/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In late XXXX, XXXX purchased PHH Mortgage, and I received a notification that PHH would be taking over the processing of my mortgage payments. I was advised that no action was required on my part and that electronic payments and processing would continue as normal. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that my mortgage was 2 months past due. I confirmed with my bank that there was disruption in the automatic withdrawals from my bank account. The most recent bi-monthly payments of {$660.00} and {$660.00} were withdrawn from my bank account on XX/XX/XXXX and XX/XX/XXXX, respectively. Another payment is scheduled for processing on XX/XX/XXXX. Again, I was told that I didn t have to do anything when PHH took over my mortgage from XXXX. I logged in to my account on the new site and I did not see anything describing my mortgage payments as past due.
I contacted the company by emailing them through their website and received a very weak response.
Here is the response in full : Dear Mr. XXXX, Thank you for using our email service.
I understand your concern. Our records indicate that you are set up on bi-weekly payments and the account is current and due for XX/XX/XXXX. The loan was still in the transitioning period. The letter was dated XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. Please be advised we are unable to assess any late fees or negative credit reporting until XX/XX/XXXX so your loan is in good standing and everything is up to date.
If you have any further questions or concerns, please let us know.
This demonstrates PHH 's inability to accurately serve its customers, which is a similar problem I had with XXXX. In fact, XXXX adjusted the principal balance on my mortgage as part of a class action settlement in XX/XX/XXXX. Unbelievably, they weren't able to handle that adjustment correctly either, as negative adjustments ( i.e. increases ) to my principal came on to my account status. I was told these were " errors '' ; I submitted a compliant to the CFPB for this matter previously. I reviewed XXXX 's response and, while I am not certain, I think eventually my principal adjustment was fixed.
XXXX, and now it's subsidiary PHH, have consistently demonstrated a lack of competence when dealing with its customers. They can not even handle the most basic of situations. I have been paying electronically since my mortgage started in XX/XX/XXXX. I have never missed a payment, never switched banks, or anything like that. Yet, first with XXXX and now with PHH, the companies have demonstrated that they do not deserve the public trust and should be sanctioned and financially punished by the CFPB to motivate them to get their acts together.
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| 06/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I received a notice in the mail from my mortgage servicing company ( PHH Mortgage Corporation ) in XX/XX/2019 with instructions on how to limit sharing of personal information. The letter was ( 3 ) pages long with sections titled Facts, Who we are, What we do, Definitions & Other important information. The first page included an automated number to call to limit sharing where legally allowed ( 3 of the 7 categories ) as well as a number to call with questions. There were no other pages in the notice & nowhere on the ( 3 ) pages was there a mention of a written request being required in order to limit sharing. ( FYI - I do not live in VT, CA or ND - I wish every state protected its residents by requiring opt in instead of opt out, as these states do. ) I called the automated number shortly after receiving the letter in order to opt out of sharing wherever possible. I went through the entire menu ( verifying my loan & identity ), then received a message that " this service is not available for your loan. '' Since my loan had been part of the merger/reorganization with XXXX & PHH several months prior, I thought they may be slow getting it into a new system.
I called the automated number again this Friday ( XX/XX/2019 ) & received the same message. I followed up by calling the other number listed on the letter, which is only available during weekday business hours. After again going through a long menu, I was able to speak to a customer service rep & communicated my request to opt out of sharing. She first indicated that I would need to send in a letter ( generated by me ) outlining my request. I told her this didn't make any sense & wasn't indicated anywhere on the letter I received. She put me on hold to " verify facts '', then came back & told me I needed to mail back a form that would let me opt out. I again told her I had never received such a form ; the only notice I had was the one indicating this service was available by phone. She continued to provide inconsistent information, now saying the notice I received was from XXXX, not PHH. ( The first line in the letter I received was " What does PHH Mortgage Corporation do with your personal information? '' ) At this point I had been on the call over 20 minutes & needed to leave for work. I repeated my desire to opt out of sharing & requested any forms necessary to do this be sent to me as soon as possible.
I have no confidence that PHH will respect my repeated request. It is impossible to see their opt out process as anything but an overt attempt to retain their ability to sell the information of those whose loans are being serviced. They have made the process as difficult as possible in order to subvert the desires of consumers & their clear legal obligations under federal law.
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| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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In XXXX XXXX, I applied for the removal of the PMI insurance on my home based on the increase in value of the home. By letter from my mortgage servicer, PHH Mortgage, dated XXXX/XXXX/XXXX, the PMI was confirmed removed. The letter also stated that the PMI was paid in arrears so I may owe a final payment but that " as of the date of this letter, no new PMI charges will accrue to your account. '' It seemed reasonable to take that to mean that as of XXXX XXXX, XXXX, even if I owed a final PMI payment, it would at most be prorated for the first 7 days of XXXX before the PMI was canceled.
When my XXXX mortgage payment posted on XXXX/XXXX/XXXX, a charge of {$320.00} was listed as a payment of PMI. My normal monthly PMI charge prior to this date was {$170.00} so I was charged an extra {$140.00} for PMI in XXXX. I called my mortgage servicer to find out about this extra {$140.00} payment and was originally told that this was due to the fact that PMI is paid in arrears so I was being charged for the PMI that accrued in XXXX. Here 's the proration math : {$170.00} ( normal monthly PMI amount ) divided by 30 days in XXXX = {$5.00} ( rounded up ) per day. Assuming I was charged for 7 days in XXXX, this would mean a prorated amount of {$40.00} ( {$5.00} x 7 days ). This obviously does not equal the extra {$140.00} I was charged. When I walked through the math with my mortgage servicer, no one could explain the discrepancy but just kept telling me this was the amount requested by the PMI company, XXXX, and that it was prorated. As the contract for PMI insurance is between my mortgage servicer and XXXX, I was told no one from XXXX would speak to me to explain the extra {$140.00} charge. For this reason, on XXXX/XXXX/XXXX, I requested my mortgage servicer request a breakdown of the {$140.00} from XXXX. I was told to call back in 7-10 business days. On XXXX/XXXX/XXXX, I called to follow up on this request and was told they had no activity in their systems showing a request to XXXX had been made or that any response from XXXX had been received.
Between XXXX XXXX and XXXX XXXX, I made XXXX calls to my mortgage servicer totaling approximately XXXX hours and no one was able to give me a sound explanation for the extra {$140.00} that I was charged when my PMI was canceled. The mortgage servicer does n't see it as their problem because they do n't have to pay the bill and because of the contractual relationship between the mortgage servicer and XXXX, I can not receive any information/explanation for the extra charge. If a consumer is being charged for something, there must be proof of the validity of this charge. After many hours of trying, I have been refused this proof and told I would never receive it from either my mortgage servicer or XXXX.
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| 01/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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This complaint centers on continuing communication problems with my Mortgage Service provider. Essentially the following has occurred 1 ) A total lack of response from my case manager after repeated calls as to the status of my application. 2 ) In my last application filed in early XXXX, and during my 2nd to the last conversation with my case manager, I was informed that my application was incomplete. ( small deficiencies. - I failed to check the box next to my signature in the XXXX Assistance Form proving that the signature below was indeed my signature ). 3 ) I then provided the remainder of the information in the application and sent this information by mail to my service provider.
About a week later, I called my case manager and spoke with her, and she told me that the application was now complete. Several weeks passed with no response from the company so in XXXX XXXX I called my case manager to ascertain what was going on. I called several times and received no return call. Finally, feeling very frustrated, I called and asked to speak to someone about what was going on. This person looked up my file and told me that the additional information was n't received, and that to my utter dismay, I learned that my file was closed!!!
This person said that I 'should ' have sent my application by email, not mail. The essence of my complaint is the ever changing rules regarding methods of communication. That I could send my application by email was new to me. In the past, I have always sent information to the company by US Mail.
If I am allowed to send my applications by email, why ca n't I communicate with my case managers by email? The Servicer, wo n't allow case managers to send or receive email.
This company has changed their processing rules so often that it is nearly impossible to communicate efficiently. We live in a digital world. It has now been five years working with this company to try to save my home. In the beginning, I was able to communicate by email with my case manager, and that rule changed about two years ago.
The industry processing rules call for accessibility and a fast application process.
Honestly, in the spirit of time, and consistency, I ca n't fathom why the company wo n't let case managers send and receive emails, except that the corporation does n't want to have any real records of what transpires between Mortgage holder and case manager.
This company has done everything it can to make the application and review process an entire tangled web of ever changing attitudes completely counter to the spirit of a quick review process and resolutions to customer needs.
This company has demonstrated time and again that it will do anything to confuse and obfuscate the mortgage modification process.
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| 02/26/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
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My wife and I bought our home in XX/XX/XXXX with an adjustable rate mortgage loan for {$220000.00} through XXXX. This loan was eventually sold to PHH Mortgage, and we are having a problem with this company. Due to unexpected hardship and an increase in the payment due to the interest rate adjusting I missed some mortgage payments. We began trying to work with PHH Mortgage to fix this issue and be considered for modification or other programs they had available. We received letters from PHH Mortgage telling us that they wanted to help and work with us. However, when we tried to follow up with them via phone we found the opposite to be true. We were transferred from one department to another. We were never assigned a single point of contact. We were given conflicting information, and led to believe that there was no help available, even though other representatives and letters from PHH led us to believe that there was help and that we qualified. Besides being confusing it was painful because we fell further and further behind on the loan because of the obstructionist tactics of PHH Mortgage. We are now in foreclosure and PHH is preparing to set an auction date of our home. I served my country proudly as a XXXX and paid on this loan for over 10 years. They have collected thousands of dollars in interest and principal payments from me, and now they are refusing to give me the chance to fix this problem and save my home.
We had no issues paying on this loan for the first 10 years, and even after I retired from my position as an Industrial Designer we were able to afford the payment. We ran into trouble in XX/XX/XXXX when I began having some medical issues that required large co-pays. The issue was exacerbated when PHH Mortgage began servicing this loan and the interest rate adjusted and our payment went up almost {$300.00} a month. We hung on as long as we could, but eventually started missing mortgage payments. Not long after that we attempted to initiate communication with PHH Mortgage to be reviewed for a modification. My wife was and still is working full time, and I was receiving SSI, so we had income, but due to our hardship and adjusting rate our payment was no longer manageable.
We believed PHH when they sent us letters stating that they intended to help, that there were programs available for people in our situation and eagerly anticipated working together to restructure and modify our loan. However, we were sadly mistaken. I feel the least they could do is give us the opportunity at resolving this matter. Instead we talk to a different person every time we call and we have never made any progress in getting a review for options conducted and face the real possibility of losing our home to foreclosure.
|
| 05/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My mortgage was serviced by XXXX up until XX/XX/XXXX. Prior to that I had filled for a modification that was denied but was offered a repayment plan. My initial payment was {$5000.00} which I paid on either the XXXX or XXXX of XX/XX/XXXX. XXXX notified us that the payment was late because even though I made it on the date we agreed on, it was made after XXXX. They never told me it had to be in by a specific time, a date yes, but not the hour. They suggested we fill out the application again and that the payment would be returned. We reapplied and they never returned the payment. Shortly after, I got a letter in the mail indicating that our loan was going to be transferred to P.H.H. Mortgage on XX/XX/XXXX. Come XX/XX/XXXX I made numerous attempts to contact P.H.H. to get my loan back on track. They instructed me that they would " put in '' for a modification packet to be emailed to me. I received a letter thanking me for reaching out and provided contact information for my relationship XXXX. I tried on many occasions to reach my relationship XXXX with no luck. I get routed to a different relationship XXXX every time. They never emailed me the application instead XXXX weeks later the XXXX dropped it off at our home. I filled it out and emailed it back to them. I've been calling every day since XX/XX/XXXX twice a day sometimes three. I have all the names of who I spoke to and their agent I.D . number for reference they keep telling me to give them " one more day ''. Just today XX/XX/XXXX they told me to give them " one more day '' when my foreclosure date is days away. After getting extremely frustrated they suggested I talk the foreclosure lawyers ( XXXX XXXX ). Why did they wait this long to tell me to contact them? I called them and they told me to call XXXX and have them " expedite '' the application. I also offered to pay to bring my account current. P.H.H. told me to contact the lawyers for a " reinstatement amount ''. I contacted XXXX XXXX and they told me to contact P.H.H. for the reinstatement amount since they ( XXXX ) are working for them ( P.H.H. ) and that they need to send a reinstatement amount or the temporary stop on the foreclosure. I called P.H.H. back and informed them of what XXXX said and they said that they were mistaken. Now I feel like they purposely want me to lose my home. I've been doing all the necessary steps to avoid foreclosure and they've been giving me the run around giving me the wrong information. I don't know if its because I'm XXXX or they just don't care about their customers. I feel hopeless, sadden with their lack of help. I'm stressed, I can't sleep at night trying to find last minute solutions. I'm don't know what else to do but ask for your help.
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| 09/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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I was contacted by XXXX XXXX, manager of underwriting for PHH mortgage company and he left a few messages on my phone. I finally called him back on XXXX XXXX, 2016. He had asked why I had not filled out the mortgage modification form from the Making Home Affordable program which would give me 3 trial payments and then an official modification. I replied that I had received nothing and that I was not actively seeking help with my mortgage, though I needed it badly. Though I make payments to my mortgage every month, I have been consistently late paying my mortgage and my account being flagged for a modification did not seem that far of a stretch. I had many late fees but never let a month go without making a full payment. I asked him a couple of test questions that only my servicer should know and he was able to answer them. We talked and I asked him some more questions to see if he really had any information on me and that he was who he said he was. When I received the paperwork from him through company email I was convinced that he may be from PHH and actually is offering a modification. The paperwork was spot on and looked like something I would receive detailing the payments and when they are due and what to expect through the modification process. Because I was already late making the 1st mod payment the only way to backdate the 1st payment to reflect on time payments was to wire the money ( XXXX ) to his HAMP manager XXXX XXXX in Indiana. He, XXXX XXXX, informed me that I do not need to make payments to PHH and that any defaults will be cured when all the payments are made and submitted as paid on time through the modification program. ( I was tricked, however not dumb enough to stop making my payments and therefore did not default on my loan ) On XXXX XXXX, I submitted the final 2 payments early through XXXX ( recipient XXXX XXXX in South Carolina ) as well, for a total of {$2400.00}. I was supposed to make 3 payments of {$1200.00}. After all payments were made I was then informed there was a {$990.00} fee that needed to be paid for admin fees. At this point I terminated the call knowing it was a scam. No HAMP manager would ask me for money to do a modification, especially AFTER the trial payments were made. They also stole mine and my wife 's social security numbers. They sounded like they were from XXXX or some XXXX country and they masked their phone numbers to appear like they were calling from my mortgage servicer. The direct line I used to contact them was XXXX, which I believe is now disconnected as of yesterday XXXX XXXX, 2016. I have all documentation and recorded all phone conversations with them.
|
| 09/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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I would like to have case # XXXX reopened and addressed. The authorization was once again faxed ( I have a copy of both the authorization as well as the fax confirmation ) to PHH mortgage on XXXX/XXXX/16 at XXXX. I called again today and once again they have no receipt of the authorization. The number that I called was the number I was instructed to call from a voicemail that I received this afternoon. When I called, I was told that they once again could not help me because of no authorization and that they could not provide me with any information as the loan is in foreclosure and it is with the attorney. The attorney that they are referring to is XXXX XXXX XXXX XXXX XXXX, XXXX. I had previously received a letter from them dated XXXX XXXX, 2016 ( addressed to XXXX XXXX, the " unauthorized 3rd party '' ) mentioning foreclosure in a sentence. The letter also states that a dispute should be submitted in writing within 30 days ( I sent a letter via certified mail XXXX/XXXX/16 to dispute ) and a response will be sent back to me via mail. It is now XXXX/XXXX/16 and the only correspondence I have received is a voicemail from XXXX/XXXX/16 from XXXX at ext. XXXX stating that they had received my letter and I was to call them back. I returned the call that afternoon and left a message for XXXX. I have yet to receive a return call or paper correspondence via mail.
Also on the XX/XX/XXXX mortgage statement it says that " The first notice or filing required by applicable law for the foreclosure process has not been made. '' My original complaint ... Case # XXXX. None of the issues in that complaint have been addressed nor has the dispute I submitted in response to PHH 's response to my original claim been addressed.
I have since my original complaint filed for a refinance of the mortgage solely in my name. I have been denied on the basis of Garnishment, Attachment, Foreclosure, Reposession, Collection, Action or Judgement and Unacceptable Payment record on Previous Mortgage, however the mortgage with PHH is not on my credit report. The bank that I had applied for the the refinance through said that they had contacted PHH mortgage. They were given information regarding the loan. So how could that bank receive information but I can not? Since I am still according to PHH " an authorized 3rd party, '' how could they have been authorized to disclose anything based on my application which was solely in my name?
I am not being helped by PHH mortgage and now they have stood in the way of me obtaining a loan in my name with another bank ( which was approved and I paid for the appraisal ) so that I can keep my house.
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| 03/26/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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XXXX XXXX, and XXXX XXXX, homeowners, with assistance of the XXXX XXXX XXXX XXXX 's XXXX XXXX, is herein filing complaint against PHH Mortgage Services, our first ( Loan # XXXX ), and second ( Loan # XXXX ) home mortgages lender/representative ( s ). Since XXXX 2014 PHH, its employees, agents, representatives, and/or consigns, on its behalf, is negligent in its conduct and is engaged in a practice of serial omissions and repeated failures, to subvert fair and equitable services rendered in response to a hardship affidavit, submitted for relief through the HAMP, Forbearance or HELOC Refinance Programs. We, along with XXXX XXXX, are complaining PHH is engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and PHH is also in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by engaging in deliberate acts of harassment, causing undue emotional distress.
We claim PHH engaged in unfair practices by failing to appreciate or attempting to foresee injurious or harmful events, when informed by us through repeated formal application ( s ) declaring our financial condition, and took no action to mitigate or prevent injury by their refusal and/or negligence in employment of relief available through HAMP or HELOC Refinance Program ( s ) available. Furthermore, we assert PHH omitted application of an accurate Debt Ratio assessment to derive a realistic Modification Trial Plan to mitigate potential loss, against more equitable modifications available, is a denial of due process. PHH 's actions in production of XXXX separate modification offerings are inconsistent with the express federal guideline principles and practices, to facilitate equitable outcomes, and thereby represent a violation.
We claim PHH is negligent in their assessment of our ability to comply with the terms of progressively unfavorable Modification Trial Plans offered, on XXXX ( XXXX ) separate occasions, along with intent to engender disparagement and emotional distress by consistently employing despicable tactics of delay and harassment : repeatedly phoning our personal contact numbers, remaining silent and unresponsive despite repeated requests for response, then terminating call ( s ) without answer ; and PHH endlessly requests submission of the same documentation we repeatedly send, claim they were not received, or they do not possess them. Then, upon acknowledging receipt of documentation requested, they ignore the content in creating modification trial plans providing no realistic possibility of relief from inevitable foreclosure by the offers.
|
| 02/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
|
Complaint - PHH Mortgage Service I am communicating this complaint in regards to a Refinance cash out of an investment property which started the week of XX/XX/2019 from XXXX XXXX who then completely went over all of my required information and verified my reserves of {$17000.00}, before moving to XXXX XXXX on XX/XX/2019. Mr . XXXX further processed my application. During this process, and procedure all information was again verified and approved before submitting the verifications of reserves funds with the under writer department. Remember in the beginning, I was already verified for having {$1700.00} in reserves which was required, however the underwriter department requested {$30000.00}. Now this seem strange and all of sudden, I asked XXXX XXXX to have underwriter to go over their numbers again because I knew the amount was {$17000.00}, which they did. The next day, it was confirmed {$17000.00}. Well this brought red flags with me in believing they was not processing my application fairly. Then the underwriters department asked to verified my reserves which I used the information which Mr. XXXX used, my bank savings accounts, my XXXX XXXX investment plan as well as my XXXX XXXX account. Underwriters came back and said they could not use the XXXX account nor the XXXX XXXX account, stating they do not grant credit to any terms and conditions requested. The terms and condition they were talking about is the disclosure statement showing that I am the account Holder irregardless of others on the account and if I ever needed the funds I would be penalized for 10 % plus State and Federal Tax prematurely which would not have an affect on them just me. This is standard on any IRA, Roth, retirement savings etc. They opted for this, without stating the guidelines under XXXX XXXX or XXXX XXXX, to justify. So I researched the Guidelines, and it stated funds that can not be withdrawn under circumstances owners retirement, employment termination, or death can not be counted as part of the borrowers reserves. Their guidelines listed whats acceptable source of reserves and Unacceptable source of reserves. In orders words the XXXX investment plan can be used and they decided on their own not to. Unacceptable. Retraining is needed here.
Further, I have been with this company for many years and they handled two of my loans if a company, cant satisfy their customers fairly then customers dont need their servicing because of unfair practices. I hereby request an investigation into PHH mortgage Loan process particularly their underwriters department in processing refinance loans and the reserves verification.
|
| 09/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
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To : consumer Financial Protection Bureau re : PHH re-finance mortage application fee XXXX/XXXX/XXXX To Whom it May Concern : Near the end of XXXX I telephoned my mortgage company, PHH Mortgage to investigate re-financing my home mortgage in order to reduce the interest rate and attempt to get my payments lowered. My employment scenario changed in XXXX and I have been struggling to meet the high mortgage. I have demonstrated reliability but was seeking help.
After several lengthy telephone calls giving all the required information they then forwarded a lengthy application with very strict return date guidelines.
The bottom line is that in the initial conversations, I was led to believe that my current salary would be part of the evaluation process. I was encouraged to include documents in the application that demonstrated my new contracts with more hours for this coming year/season. At no time was I told the only my last 2 years of tax returns would be used to evaluate the application final approval.
In the end, after meeting all of their deadlines, and slow-downs, and requests for further documents, even adding my mother as a co-signer and gathering her documents, signatures, etcetera, my application was turned down. PHH wants to keep the application fee.
I believe that I was purposely misled. Everything from long, wearing-you-down-style phone conversations ( in car salesman fashion ), to mis-representing what would be required, to extreme enthusiasm and nearly promising that the loan would be approved, to the extensive providing of documents, even repeats in comparison to the application items, the delaying of their response to those documents, and ultimately delaying a firm answer until their fee had gone through on my credit card. I had been willing to compromise at XXXX point, If they would agree to provide me with a complete copy of the house appraisal and return half of the application fee, I would have accepted. Currently, PHH sees no fault in their action and refuses to return the application fee, which frankly, I can not afford.
I deem this to be under-handed business practice, unethical, unacceptable. My naivety about what would be required for a refinance, is admitted, but certainly, it is not a good enough reason to suffer such business practices.
The fact is that they never told me in the initial calls that only my previous 2 years tax return income would be used. That would have saved many many hours, time, stress.
I seek help in getting my application fee refunded. If there is any education and guidance you can give me in the matter, I would be grateful.
Thanks you.
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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In XXXX of XXXX I closed on a construction loan to build my home. I am a builder by profession and built this home for my personal use. The construction loan was a 5-year ARM in the amount of {$410000.00}, intended to be modified to a conventional 30-year mortgage at the end of one year. The appraised value to the property and proposed structure at that time was {$470000.00}. I put down approximate {$40000.00} in cash. Construction of the home was completed in XXXX of XXXX. In XXXX of XXXX the loan was modified to a 30-year loan in the amount of {$390000.00} ( I didn't use the full amount ). The servicing was then transferred to XXXX.
In XXXX of XXXX, knowing that my principle balance was approaching 80 % LTV I contacted XXXX to request what date the PMI would automatically terminate. They responded in an official email that date to be XXXX of XXXX.
XXXX then transferred the servicing of my mortgage to PHH Mortgage. I contacted PHH in XXXX of XXXX to confirm cancellation of my PMI on the aforementioned date. After much waiting and following up they told me my PMI would not be cancelled unless I went through the process of obtaining an appraisal or sending in a principle reduction payment of nearly {$50000.00}. After lengthy inquiry I was informed that the value of my home was assessed as the amount of the modified principle balance at the time of the mortgage being modified to a 30-year term ( {$390000.00} ). Because the home was constructed for myself there was no sales price, therefore they arbitrarily took the mortgage amount as the value instead of the appraised value.
I do not know why PHH insists on the value of my home being the original loan amount. I strongly disagree with their position as to the value of my property. A recent appraisal obtained for other purposes indicates the property is now worth {$530000.00}. Unless PHH is in possession of documents I do not have, I can find nowhere in my original closing documents or modification documents that indicate the change in value.
Further, in response to my inquiry as to why PHH is not honoring the date given by XXXX, they point to a statement in the email sent by XXXX that if a modification happens the termination date will be recalculated. However, the modification occurred with the local bank in XXXX before the loan was ever sold or servicing transferred to XXXX or XXXX. And the letter from XXXX was in XXXX of XXXX. They point retroactively to that modification as to why they will not terminate PMI. I find this explanation fraudulent and deceptive in nature, hence my appeal to the CFPB for relief.
|
| 04/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
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Web |
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In XXXX of XXXX, I met XXXX individuals from XXXX. They told me that they did n't think that I would qualify for a loan modification. I received letters from a foreclosure attorney in XXXX XXXX who was beginning the foreclosure. Shortly after that time, I received calls from the Loan Modification team at PHH. I found this a bit strange because I thought I was XXXX3 months away from being foreclosed upon. Now, some 5 months later, with me being charged some {$6000.00} per month - as I have been for at least 2 years, - this money being added to my loan balance. My fee 's, penalties, and other moneys outside of my original balance of {$230000.00} is now over {$230000.00},. Total owed is the addition of those XXXX numbers.
So my starting balance before I was unable to pay this mortgage was {$230000.00}.
Here 's my point, is this some sort of game to just keep inflating what I owe the bank? Or is this continued mortgage modification process now going into its 18 month, genuine. When this last modification program was resumed in XXXX of XXXX, I was speaking with a XXXX XXXX XXXX. XXXX XXXX asked me for nearly all of the documents that I have submitted ad infinatum over the past year and a half. Every document he asked for.
And now, I find my self once again, with a different loan modification officer, XXXX XXXX, who is asking me essentially for the very same material. Bank Statements, Income Statements, Uniform Borrows Statements etc etc. I have submitted these statements I have lost track of how many times. at least over 15 months.
So bottom line is this. I believe PHH Mortgage Company is, and has been for over a year, acting in bad faith.This is illegal. I believe they have been doing so because they know the worth of my property, and they are looking to get every last penny of what it 's worth.So bottom line ... they have been playing with me simple to inflate what I will eventually owe them.
Had my property been foreclosed on, 8 months ago, I would be taking home over I might have been able to take home maybe {$50000.00}. Today, I will not be in the black, and indeed be forced into bankruptcy. Had I been foreclosed upon during the banks first attempt to foreclose 4 years ago, I would be coming out of that foreclosure with possibly as much as {$300000.00} plus.
This whole system loan modification at PHH has been 1 ) an acting in bad faith, 2 ) totally incompetent and 3 ) a violation the law on several occasions. As far as I 'm concerned, I have lost over {$200000.00} + because of all the factors mentioned above.
Please please please, tell me what I can do.
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| 04/03/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
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I obtained a mortgage through XXXX XXXX XXXX approxiamately 12 years ago. Within one year of purchasing the property, XXXX sold my mortgage to one of their own substitute banking institutions PHH Mortgage. Who are associated with XXXX. PHH Mortgage company has contacted me several times telling me that they has not received my house payment after I had mailed, by US postal service, in ample time for them. In this last case, I was going to be hospitalized for a XXXX in XX/XX/XXXX, therefore I sent my house payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PHH Mortgage company stating I was two months behind on my mortgage and I needed to allow them access to my banking account so they could just take the money out themselves. I refused and stated I would E-bill the money to them overnight from a XXXX XXXX account and cancel the check that I sent. I also complained and told them I have never been late, nor missed, any previous mortgage payments. When rechecking my payment data, they did agree I had not missed any payments and only needed to make a payment that I knew I had placed in the mail 22 days prior. Then the next month, I recieved a letter from PHH Mortgage stating I needed to pay a cancel check fee for the house payment I sent. They received my check in the mail the very next day and wanted to charge me a fee for sending them a canceled check. Whom both XXXX and PHH mortgage companies would benefit from by XXXX canceling a check fee and PHH charging a receiving canceled check fee. Though I called both institutions and got all the fee 's withdrawned, this is an on-going banking practise used by these institutions to charge people fee 's that they could not otherwise obtain and blaming it on the US postal service. It has occurred on several occasions and I have complained to both institutions about it several times. I have nearly a perfect credit rating and keep hand written records of all outgoing bills each month. I am moved to complain about this banking practice, not for myself, I have alleviated the situation by E-billing all mortgage payments to PHH Mortgage from a XXXX account and keep confirmation numbers now. However, if this is a common practice for these institutions, then they are pulling this same scam on others as well. It does not take 22 days for US postal services to deliver mail and in every instance PHH has tried to charge me fee 's, my check would show up in their bank the very next day. They had two results in mind, One was to attempt false fee charging and Two was to force me into giving them checking account access.
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| 02/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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RE PHH Mortgage # XXXX On XX/XX/XXXX, I was notified by XXXX XXXX that XXXX was switching servicing of my mortgage to PHH Mortgage as of XX/XX/XXXX. I sent check # XXXX for XXXX on XX/XX/XXXX to XXXX so that they would have it post to XXXX by XX/XX/XXXX. I checked XXXX, XXXX website on XX/XX/XXXX and saw it did not post. I called PHH and got the run around. The next day it was the same and I called XXXX for assistance as they actually own the paper. They could not get a live person to talk to. I continued to try over the next few days and finally found it was not booked on their system. I called PHH again a few days later but it still was not posted, They booked the account on XXXX but payments were not posted. I called XX/XX/XXXX and found payment posted to my account on XX/XX/XXXX. PHH received my check in their lockbox on XX/XX/XXXX and I believe they held it till XX/XX/XXXX so they could tack a late charge on my account. I called and was told it posted XX/XX/XXXX but there was a late charge. I asked why and they said I had a 10 day grace and that they received the payment after the grace period. I told them I had a 15 day grace not a 10 day, and they argued with me on that. I offered to email them a copy of my loan showing it was indeed a 15 day grace and that they had the payment since XX/XX/XXXX and I wanted it posted as of the second and they refused to do so saying they could not rebook the loan on their system and apply the payment as of the XXXX of XXXX. They would however remove the late charge they gave me. This issue is still unresolved by them. I am seeking help in getting my account properly boarded and interest adjusted as I am paying them more interest in the way they are calculating my interest. ALSO, they are forcing me to either pay more to make a payment each month or give them my banking info so they can debit my account. Since my husband and I are both XXXX and our pay is not date specific, I must pay as I get the money and pay a fee for them to collect my funds unless I let them yank my funds out. I have NEVER missed a payment or given any of my servicers a reason to question my ability to pay my bills so I fail to understand why I have to pay extra to make a payment each month when the funds come out of the very same account. I know that if they are doing this to us, they are doing it to many military families and this is very unfair and smacks of XXXX XXXX tactics - thinking we won't notice them picking our pockets ... Any assistance is greatly appreciated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX
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| 05/08/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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PHH yet again denies us due process to receive fair access to assistance under any program in its considerable power to secure, commensurate with our need, particularly concerning Loan # XXXX. It is clear PHH is committed to continue, unabated, the practice of serial omissions and repeated failures intentionally designed to subvert fair and equitable services rendered in response to any hardship affidavit we might submit. Certainly the varied and detailed descriptions of our hardship condition ( s ), you dismiss even now, submitted on your demand, in formal application of a reasoned repayment plan, Forbearance or HELOC Refinance ( modification ) programs, plans readily available even prior to our early attempts to obtain a realistically structured solution, are adequate to your need - you provided written acknowledgement the hardship affidavits, detailed household expenditure submissions, tax transcripts and federal filings received and in your possession were adequate to complete several previous application packages concerning Loan # XXXX ( and # XXXX ) free of arbitrary or capricious currency limitations, the applications denied apparently by use of whimsical fancy, without fact based application of any information demanded we provided ; PHH betrays a committed resistance to any serious effort to evenhandedly administrate any program available, based on the financial and budgetary facts we submit ( ed ) representing an accurate debt ratio assessment. PHH demonstrates an interest solely in drawing out the process in hope to cause, discover, and/or exploit any infraction occurring as a result.
We, along with XXXX XXXX, have cause to believe, based on evidence of the conduct by all operatives, representatives, agencies, and consigns working on behalf of the company encountered during this process, PHH does not intend to cease engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and, PHH remains in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by continued engagement in deliberate acts of harassment, the cause of undue emotional distress ; and, continued policies and practices of resistance to full disclosures, negligence, intentional " stonewalling, '' and refusal to honor requests for response to correspondence, and fair and open exchange of substantial information, important to achieve mutual understanding of facts in evidence, to establish the common ground and good faith required to reach just and equitable solution ( s ) or compromise ( s ).
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| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I have several issues with PHH XXXX XXXX . I have requested my XXXX for fiscal year XXXX and have not received a copy needed to report my taxes. They will not post the documents on the online system neither will they provide the information on line. When I contacted them for the documents they stated that because I am in litigation with them they have to go through their attorneys to process the request. This has resulted in me being late filing my taxes and subject to late fees and penalties with IRS. In addition, the litigation has been going since the beginning of XXXX and I can not get them to address my complaint about the failure for them to post my mortgage payments and interest correctly while in bankruptcy. At the beginning of bankruptcy, I owed them $ XXXX and at the end of bankruptcy, I owed them $ XXXX plus an additional XXXX for other fees. The payments made are not properly reflected over the time period. The agreement we made under the bankruptcy was to pay {$2900.00} months during the bankruptcy period to cover what I owed. However the payment history reflected an amount of {$3500.00} being constantly billed to my account. If this is the amount that I should have been paying then why did they make the agreement in court that the amount of {$2900.00} would satisfy my loan. No principal payments were posted in XXXX and XXXX ... .the {$2900.00} is not reflected in the totals of the escrow and interest amounts. Where is this money reflected in payment history!!!!!! The next issue is that the principal balance as of XXXX / XXXX / XXXX was {$340000.00}. Then the payment history for XXXX show a balance of {$400000.00} but they send a document wanting me to sign saying we owe $ XXXX . So, they are not holding to the agreement that our {$2900.00} payments are satisfying the loan. They have increased the interest under their agreement and not letting us know that the amount has increased and we need to make the {$3500.00} payment. They have breached their contract of the {$2900.00}. Then they do n't give us documents to support the interest paid for IRS. requirements. Their practices are not fair!!! and they do n't want to pay my attorney fee but provide me with XXXX that do n't meet the attorney fees and additional trustee fees, and IRS fees that I now owe due to them not settling the matter in adequate time. Overtime they correct the payment history the amounts change to fit the bank. See all the documents that I have submitted with changes they posted to payment histories. Thanks.
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| 04/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I took out a mortgage with PHH Mortgage to purchase a villa on XXXX/XXXX/14. At the time of closing I was asked for over {$3000.00} for the escrow account. I questioned it at that time because from the data I had been given, most of the homes in the subdivision have real estate tax bills of under {$2000.00}. I was told that if the amount was incorrect that it would be corrected when the XXXX tax bill was made.
PHH did pay the original tax bill. However, that tax bill was for an unoccupied home. the payment they made triggered an additional bill which was forwarded to them. They did not pay this bill nor did they notify me that it had not been paid. The total tax bill due was {$1700.00}. Of that they paid {$570.00}.
I found out that they had not paid when I read a story about a local homeowner who lost their home because their mortgage holder never paid the tax bills. I decided to double check. The bill had not been paid. I paid it and sent PHH a letter requesting a refund for the amount I had paid out of pocket on XXXX.
From XXXX until XXXX they basically ignored me except for the XXXX email they sent in which they stated that after checking with the tax office, there were no taxes due. The letter dated XXXX basically stated that they had received my complaint and would be in touch.
I received a XXXX letter ( from XXXX XXXX, liaison to the President ) a few days after XXXX XXXX and I spoke. He agreed verbally and in the letter that PHH had ben negligent in not paying the XXXX bill. He informed me that there was an excessive amount of money in the escrow account and he would personally initiate a refund of any overage. I received a letter from him a few days later which stated that I was indeed due a large refund and that due to the overage that they had collected, they would be adjusting the payment amount and lowering it.
Four days later I received a check for over {$1000.00} less than what he had stated and a notice that they would be collecting the same amount in escrow for the next 12 months as they have since the XXXX payment.
They have estimated my taxes at {$4600.00} when in reality the actual tax bill was {$1700.00}. By the time they receive my XXXX XXXX payment they will have over XXXX what they need to pay the bill in XXXX. In other words, my tax bill could XXXX and they would have money left over. When they pay the tax bill in XXXX they will have over {$2000.00} left in escrow and yet will continue to collect almost {$400.00} a month for another five months before again evaluating and adjusting.
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| 07/22/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXPHH Mortgage Service loan number : XXXXRegarding : PHH Mortgage Servicer Loan Modification DenialOn XXXX XXXX, 2015, I was notified by PHH Mortgage Service Loss Mitigation that my loan modification was denied because of too much expenses, I have requested for an explanation. On XXXX XXXX, 2015, I received a Decision Notice ( denial ) letter of XXXX pages, ( exhibit A, B, C, D, E, F ) and XXXX pages of Income and Expenses Worksheet ( exhibit G, H, I ) via email and fax. On PHH Income and Expenses worksheet they stated that my expenses is {$6400.00}, which is completely inaccurate and deceivable figures. On XXXX XXXX, 2015, XXXX XXXX XXXX supervisor PHH Mortgage Loss Mitigation called me, I 've asked him why did you calculate this figures as part of my expense such as all the credit cards that I do not pay on and are delinquents and charged-off, and most of the other figures are outdated and inaccurate because it has been about XXXX months since I submitted my loan modification documents and even a monthly payment and the amount I owe on a mortgage on a house that I have not owned in over XXXX years? he basically stated that those figures are correct because they show up on my credit report and for me to contact those companies and have them remove it from the consumer reporting agencies. I asked my case manager from PHH Loss Mitigation why is the XXXX pages of Income and Expenses Worksheet has XXXX Investor XXXX, she said they are the one who owns my loan, I asked why is it in the Denial XXXX pages letter it states that XXXX Bank XXXX XXXX XXXX is the owner of my loan, she does not know.
When I submitted my loan modification documents in XXXX 2015, XXXX XXXX XXXX XXXX XXXX was the owner, then XXXX XXXX foreclosing on my house and now XXXX XXXX denied my loan modification. Three different banks own my loan in less than XXXX days. I have presented this case to XXXX Housing Council of XXXX, Housing Counselor XXXX XXXX, she told me that PHH is wrong and she wrote a letter XXXX exhibit J ) stating that which I forwarded the letter to PHH.
After consulting several agencies, I dispute the denial of my loan modification decision that was made by PHH Mortgage Servicer and whoever owns my loan.
I demand a stop to the foreclosure of my house and I appeal to the owner of my loan to review this case. I also urge the Consumer Financial Protection Bureau to investigate this matter before the bank takes my house with their inaccurate figures
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| 11/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am repasting my original complaint that was disputed and never resolved. The CFPB claims to be following up on this but it has never produced a response to my dispute.
Describe what happened so we can understand the issue ...
In XX/XX/2014, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account twice. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on one of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XX/XX/XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XX/XX/XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them.
Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to?
Problems when you are unable to pay This is about Conventional fixed mortgage
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| 11/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Back in XXXX 2015, we were calling PHH Mortgage XXXX, asking for a Payoff amount on the home. Finally, in XXXX 2015, we sent an email asking, PHH Mortgage services in XXXX, NJ. to give us a pay off balance on the mortgage. In the email they gave a payoff amount as of XXXX XXXX, 2015 in the amount of {$61000.00}. I went to the Credit Union and got a Cashiers Check in that amount. I sent the cashiers check Certified mail. Through tracking I received the information that they received the check and someone at PHH Mortgage signed for it. Then in XXXX 2015, we get a notice that we are in default of the loan for two months. We contacted them and they told us, they lost the Cashiers check, they wanted us to stop payment on the one they lost and reissue them a new check. It states right on the check, " NO Stop Payment Permitted ''. So, they then said, they would get back to us. They never responded then to us. Since, XXXX we 'd been trying to Contact them, to no avail. No one would pick up or return our calls. I also, sent a check, check # XXXX in the amount of {$120.00}, since thats what was owed yet, cause they did n't receive the payoff until XXXX XXXX, 2015. With that payment, I sent a copy of the Cashiers Check stub.
On, XXXX XXXX 2015, we receive a Certified letter stating we were in default of the mortgage, saying we were 4 months behind and owed {$3600.00}. plus interest, and they were going to begin foreclosure proceedings on the house if we do n't summit payment, within 30 days.
I have all the paper work proving that we had sent the payoff in XXXX of the amount in the email, {$61000.00}, plus the {$120.00} and that they received it.
I spoke to my bank about reissuing another check. The bank said, they could, but PHH mortgage needs to sign and notarize an Addendum Form, stating they lost the check.
When speaking to PHH mortgage they sounded reluctant to fill out the form. With their track record, I do not trust or believe they will follow through with the Addendum and will continue to foreclose on the house. When I called on, XXXX XXXX, 2015, the man I spoke to in collections, was not only rude, but kept telling me my account was sent to him cause I refused to pay my mortgage. I explained this was incorrect because I had already paid off the mortgage and am not in default as they claim. He then spouted that I needed to speak with someone in customer service, cut me off and transferred me to them. In the Past Customer Service, claimed it was not their problem that they lost the check.
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| 05/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I have automatic ACH payment processing setup with my mortgage company, PHH Mortgage. The payment is configured to draft from my checking account on the XX/XX/XXXX of each month. In the management section of the website where one can configure their payments, there is an option for additional principle payment along with your standard monthly mortgage payment.
The day after my XXXX payment ( {$2500.00} ) was processed, I configured an additional principle payment of {$43000.00}. In the beginning of XXXX, {$45000.00} was debited from my account. This was expected as it is the sum total of my standard monthly payment with the extra principle I chose to pay. On XX/XX/XXXX, I logged into their account management website and removed the {$43000.00} additional interest payment, as I wanted it to be a one time payment.
On XX/XX/XXXX, PHH Mortgage again attempted to debit my account for {$45000.00}. Upon calling them, they acknowledged their mistake and assured me it would not happen again. I explained to them that I was extremely unhappy as their mistake had caused both of my accounts to be overdrawn, essentially freezing all of my available funds and that I did not want this to happen again. They assured me once again that the issue had been addressed on their end and that the ACH payment would not be retried.
On XX/XX/XXXX, they once again attempted to debit my account for {$45000.00}, again overdrafting my accounts and freezing all available funds. All of my funds have been frozen for at least 4 of the last 7 days because PHH refused to proactively intervene.
I understand mistakes happen, however, there are a couple of issues that concern me here : First, they did not process my request to remove the additional principle payment until XX/XX/XXXX even though i initiated this change on their website more than two weeks prior. This would indicate to me that while I am making changes to my account electronically, there is still some sort of manual process being followed on their end that requires human intervention. I would suspect that there are federal regulations regarding this sort of thing to which PHH is not in compliance.
Secondly, PHH indicated to me that once an ACH is initiated on their end, they have no control to stop it or the subsequent retry attempts that may result from NSF situations. Again, I would suspect that this is not true and that there are probably federal banking regulations to which PHH is not in compliance.
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| 08/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
Older American |
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I am appealing to cfpb for assistance in addressing my experience with PHH. I received a letter from PHH about the decision reached on my loan application denying approval because they could not obtain an acceptable appraisal of the subject property. PHH hired the appraising company and is accountable for the professional work product of their contractor. I am requesting that ALL documentation related to my application and the decisions that PHH made on this matter be provided to me with representation that no omission of documents have taken place. This document request is for both PHH created materials in addition to all external documents that PHH used in reaching its decision. I am extremely disappointment with PHH 's performance and the lack of being willing to engage me with a more expansive explanation than what I received when I called XXXX and then reiterated by XXXX 's supervisor XXXX XXXX upon notification that PHH was not approving my mortgage. Clearly the words on the bottom of their correspondence " If at any time you do not feel that I am providing exceptional service, please call or e-mail my supervisor, XXXX XXXX at XXXX XXXX or XXXXXXXXXXXX for assistance '' are simply a corporate feel good slogan and not something that is practiced and certainly not in my case.
I first engaged PHH through my relationship with XXXX and XXXX remains an exceptional service provider to me. Even though I have been an outstanding customer of PHH since 2003 and financed XXXX homes and refinanced one a second time with PHH through my XXXX relationship, PHH has destroyed a meaningful customer/client engagement because of your handling of this matter.
In that I immediately engaged another mortgage company for a loan on the same property the day after PHH 's rejection, that company hired an appraisal company, completed a comprehensive review of my application with them and still managed to clear underwriting and go to closing on XXXX XXXX. Same property, same market and economic conditions, same borrower! With this in clear focus I am requesting a FULL refund of all expenses that I paid to PHH because of lack of value in exchange for my money. I did not even receive a copy of the appraisal as stated as an entitlement in your " Additional Information About This Loan '' document.
I believe that PHH has failed to act within appropriate legal requirements in my case. I am looking forward to CFPB assistance in receiving an expeditious response.
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| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In response to my request for loan modification, and after several rounds of XXXX/PHH admitted " errors '' ( in which XXXX/PHH violated each and every letter of consumer protection laws ), XXXX send a letter dated XX/XX/XXXX. It states : " Following the review of your last application for Homeowners Assistance, which was denied on XX/XX/XXXX, it was determined that ERRORS were made in the last determination. An underwriting policy CHANGED was made on XX/XX/XXXX, and with it, the computer program used to analyze loan modifications was also CHANGED. REGRETTABLY, ERRORS were found in the data inputted ... resulted in your failure to qualify under the housing-to-income ratio .... '' Capitalization is mine.
XXXX then offered a bizarre ( interest rate only ) modification. Still, I requested the full terms of the modification agreement. XXXX refused to provide it, stating that I have to accept the modification and 3 months later I would see the terms. That was both illogical and illegal. I refused to accept this entrapment.
My refusal to accept the 'offer ' notwithstanding, XXXX/PHH on their own and without my knowledge and consent cancelled the ACH automatic debit in effect for 14 years uninterrupted, reported me to credit agencies as delinquent, and ruined my credit to the extent that I could not get a loan to exit XXXX/PHH fold. XXXX/PHH have been consistently advised that they can withdraw the funds anytime. They refused.
In canceling ACH without my consent, XXXX/PHH violated the law and their own agreement with me. I even furnished them with their policy terms. They are bad actors.
In response to my CFBP complaint # XXXX filed on XX/XX/XXXX in which I complained about XXXX/PHH ruining my credit and preventing me from getting a mortgage to exit XXXX/PHH trap, todayXX/XX/XXXX ( after 61 days ) XXXX/PHH responded stating : " On XX/XX/XXXX, you contacted our Customer Service Department via telephone and informed the representative that you wished to continue the direct debit since you had yet to reach an agreement on the trial modification. We regret that due to an oversight, we failed to process this request. '' This response in unacceptable. It fails to mention is WHY XXXX /PHH , without my permission or consent, cancelled the ACH in the first place. It fails to mention how XXXX/PHH would compensate me for ruining my credit, preventing me from getting a mortgage, and who is going to pay for the higher interest rate now.
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| 11/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage Corporation ( PHH ) conspired with my XXXX XXXX XXXX ( XXXX ) XXXX to steal my {$250000.00} co-op unit with an {$85000.00} XXXX XXXX backed mortgage and knew that XXXX unlawfully seized my co-op unit onXX/XX/XXXX. XXXX did not have a warrant or judgment in violation of Recognition Agreement which was signed by PHH, XXXX and me. XXXX claimed that it unlawfully seized my co-op because I did not pay {$8100.00} in alleged past due maintenance. PHH was under contract to intervene, pay past due {$8100.00} maintenance if necessary or sue XXXX board for violating the Recognition Agreement. Instead of enforcing the Recognition Agreement or Loan Share Agreement with XXXX XXXX, PHH did nothing to help me get back my co-op unit and worked with XXXX to make the theft of my co-op unit permanently.
On XX/XX/XXXX, PHH and XXXX tried to sell my co-op unit in a private sale.
From XX/XX/XXXX through XX/XX/XXXX, PHH in violation of our Recognition Agreement reported my mortgage late to credit card bureau knowing that I did not live in my co-op unit, was being illegally barred from my co-op unit by XXXX since XX/XX/XXXX to damage my credit. PHH refused to allow my mortgage to go into foreclosure to cover-up the crime committed against me.
On or about XX/XX/XXXX, XXXX notified me of illegal sale of my stolen co-op unit on XX/XX/XXXX, and surplus {$100000.00} put it in XXXX XXXX XXXX of New Jersey.
On or about XX/XX/XXXX, PHH sued me in case XXXX XXXX vs. XXXX XXXX which PHH was not a party for the entire {$100000.00} to circumvent mortgage foreclosure laws. According to my XXXX for XX/XX/XXXXmortgage statement, I still only owed {$85000.00}. On XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX opposed PHH Motion. PHH hired new attorneys and put through the same lawsuit in XXXX XXXX on XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX XXXX opposed its motion.
On XX/XX/XXXX, I received a letter from PHH claiming my mortgage was paid in full. I have enclosed a Certified Letter to XXXX XXXX XXXX XXXX XXXX New Jersey dated XX/XX/XXXX, to see PHH collected any money from my stolen co-op.
XXXX and PHH broke into my unlawfully seized my co-op, stole all of my belongings and illegally sold my co-op unit. I did not receive a penny.
PHH was a part of the criminal ring and continued to report my mortgage late to credit card bureau through XX/XX/XXXX, knowing that I was unlawfully barred from co-op unit since XX/XX/XXXX, and XXXX illegally sold the co-op on XX/XX/XXXX.
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| 08/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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We are receiving XXXX mortgage statements each month from PHH Mortgage ( Mortgage Service Center ) since the company assumed our home mortgage XXXX XXXX. I called the company XXXX XXXX and was told that they send a monthly notification statement and also generate a statement when they receive a payment. This creates confusion and a potential duplicate payment to be made if XXXX does not pay close attention to the Payment Due Date which are the same date. The statements are identical forms with XXXX showing transaction activity of the last P & I/Escrow payment and the second statement showing no transaction activity. The only significance of the second notice is to identify next payment due date already identified on the previous statement. XXXX statements have same Payment Due Date. I 've paid multiple mortgage companies over the past 30 years and this is the first company that has issued XXXX statements per monthly cycle. Upon speaking to the PHH Mortgage customer service representative they stated that federal law requires them to send a statement when a payment is made. Unless I 'm missing something, the ''Dodd-Frank Wall Street Reform and Consumer Protection Act '' XXXX XXXX XXXX only requires the creditor to notify the mortgagor of the following below. There is no requirement to send a notice upon receipt of payment. A single statement to include last P & I/escrow payment should suffice as sufficient notice.
SEC. XXXX. DISCLOSURES REQUIRED IN MONTHLY STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS.
Section XXXX of the Truth in Lending Act XXXX XXXX XXXX. XXXX ) is amended by adding at the end the following new subsection : '' ( f ) PERIODIC STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. -- '' ( XXXX ) IN GENERAL. -- The creditor, assignee, or servicer with respect to any residential mortgage loan shall transmit to the obligor, for each billing cycle, a statement setting forth each of the following items, to the extent applicable, in a conspicuous and prominent manner : '' ( A ) The amount of the principal obligation under the mortgage.
'' ( B ) The current interest rate in effect for the loan.
'' ( C ) The date on which the interest rate may next reset or adjust.
'' ( D ) The amount of any prepayment fee to be charged, if any.
'' ( E ) A description of any late payment fees.
'' ( F ) A telephone number and electronic mail address that may be used by the obligor to obtain information regarding the mortgage.
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| 03/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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This is a continuation of our former complaint XXXX about PHH Mortgage Co.
What they said they would do in their letter received on XX/XX/XXXX, is unacceptable. They refused to take out the {$400.00} they were supposed to take out on XX/XX/XXXX and each month thereafter. They told us to set up our own schedule with our bank.
This was NOT what they said they would do via a phone call with XXXX at phone number XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX our time. For that phone call, he had been on hold two different times at about XXXX minutes each time.
XXXX and XXXX resolved our complaint which we had registered the evening before with the Consumer Financial Protection Bureau. The final result was acceptable to both parties - PHH was to take out a {$400.00} mortgage payment on XX/XX/XXXX to be applied to the XX/XX/XXXX payment and take out another payment on XX/XX/XXXX, our regularly scheduled time. They would apply the {$400.00} as though it had been paid on XX/XX/XXXX, with no added fees or interest. and all would be as it should have been had they taken out the XX/XX/XXXX payment on time. PHH should just do what it says it will do when we talk to them. They seem to say one thing and then send a letter with the opposite information.
I had talked to someone on XX/XX/XXXX about this very issue and they had promised they would take out the {$400.00} payment on XX/XX/XXXX, just like XXXX had always done. Then instead of using our {$1000.00} extra payment for interest via a check - they said we'd paid ahead for our monthly payments, thereby accruing more interest for themselves.
In their letter of XX/XX/XXXX, they gave us a name of someone to whom we could complain ; XXXX XXXX, XXXX XXXX XXXX. Her voice mail says she'll respond in 2 - 3 days. XXXX XXXX - their manager could also be reached at XXXX XXXX XXXX, ext XXXX. That number doesn't work. XXXX who made the original agreement has not returned our phone call made on XX/XX/XXXX when we discovered that only one {$400.00} mortgage payment had been taken from our bank account. XXXX then did manage to reach XXXX in the ombudsperson 's office and she said she'd work with XXXX and XXXX to resolve it. She said she won't guarantee that they can go back and change the principal payment we made in XXXX. We would have just paid the mortgage ourselves but we believed them and didn't want to have two additional payments taken out! Please just do as XXXX promised.
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| 03/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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In XX/XX/XXXX we started having financial difficulty due to a large reduction of income ( 50 % ), increased housing expenses and medical bills due to a child 's XXXX injury. Since then we applied for a loan modification on our own, no attorney involved, at which time we were turned down for too much income. We then hired an attorney and applied for another loan modification that has been ongoing since XX/XX/XXXX. Of course we filled out all necessary paperwork that was needed asap, but the servicer still asks for the same paperwork over and over to this very day. We must get letters, XXXX or XXXX a month stating our file is incomplete and we have had over XXXX dozen case managers since the start of this all. For fear time was running out, our attorney said we needed to file XXXX XXXX Bankruptcy, which we did. During our filing, we were under the impression that we did n't need to make payments to the trustee until the BK was accepted. That was incorrect and the BK was therefore dismissed. During the few days we were not under bankruptcy protection, the servicer PHH foreclosed on our property without our knowledge. We never received notice here at our home nor did our attorney. We went in front of the judge to reverse the decision as we were still awaiting our modification loan response and were denied. So the bank legally owns our home, while we are awaiting our modification answer. We have filed XXXX lawsuits against our bank trying to explain that the sale was done illegally, without any knowledge of the sale and dual tracking. We have since had to file a XXXX bankruptcy to stay in our home which was denied due to the fact that we do n't own it any longer. All during the foreclosure process we have had contact verbally and through email with PHH, still giving them all the required documentation for the modification loan. So to that end, we do n't understand how our home was sold beneath us? How they can be reviewing our modification loan and still foreclose? We want to keep our home. We have n't gone through all of this. XXXX BK 's, several lawsuits, precious time and expense to just " buy '' time. We have XXXX young children who were born and raised in this home, with the same friends and in the same school system. I hear that banks do n't want to foreclose on homeowners however what else do we have to do to get our home back and our modification loan that we so desperately want??
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| 05/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We were denied a loan modification due to NPV. XXXX stated that a computer generated or BPO appraised our home value at {$630000.00}. However, due to the distress of the property, we obtained a state certified appraisal at a value of {$450000.00}. We spoke to a representative during a recorded conversation of the following : 1 ) a certified appraisal would take precedence over a BPO, and would positively impact our ability to qualify for a loan modification.
2 ) do to not make any attempt to resolve financial reinstatement until the appraisal could be reviewed, although the auction date had been set for XX/XX/19.
3 ) we were told we had up until at least the day before the auction to financially secure reinstatement, and to wait for the appraisal to be reviewed before sending money as the representative felt the certified appraisal would warrant further qualification, yet the mortgage company would continue to " dual track '' the process.
4 ) we were assured follow-up, but have received no information.
5 ) return phone calls were promised, and non have been received, even after leaving several messages, sending several emails and faxes.
6 ) erroneous extensions were provided causing our phone calls to be rerouted through an automated system and the dropping the call.
The actions demonstrated by XXXX and PHH are indicative of an attempt to 1 ) dual track the loan modification process 2 ) manipulate response delays by providing inaccurate statements that, due to missing information, no action could be taken 3 ) provide false statements, for example we were told that an appraisal would be completed to dispute XXXX computer generated property value ; however, the appraisal was completed as a BPO, and not a certified appraisal.
In lieu of the overwhelming circumstances, including the significant lack of XXXX and PHHs competence to conduct appropriate due diligence in the handling of our account, we would respectfully request that the foreclosure date be temporarily suspended until all measures are properly addressed and all pertinent information and data has received a comprehensive evaluation.
The blatant mishandling of our loan modification application, including the erroneous and misrepresented statements by XXXX and PHHs representatives handling the process, should warrant an oversight to review the process and misrepresented conduct surrounding our application.
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| 01/17/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX.
XXXX XXXX, NJ XXXX Email : XXXXXXXXXXXX Consumer Financial Protection Bureau ( CFPB ), I regret that I feel the need to contact you again regarding my PHH Mortgage. ( My mortgage # is : XXXX ) ( My CFPB case # is : XXXX ) You responded to my initial inquiry on XX/XX/2017 and I am extremely grateful for you much needed assistance.
After many, many calls to PHH to try and get my mortgage back to it 's 21 year status of non-escrow I continue to face road block after road block with PHH. No matter how many times I call, wait and wait on hold and talk to someone it is clear that NO ONE is willing to get me out of the Escrow status which I am unable to pay and back into the Non Escrow status which my income can pay.
I even took the time to drive down to the PHH headquarters in XXXX today and was met with the same disdain. Seems that I can take the time to drive there and that they are more than willing to take XXXX upon XXXX of dollars from me BUT can they see their way clear to actually having a person come down and talk to me to rectify this problem ... NO! Security gave me a number to call and while I thought it would be to a person in the building I merely got the same prompts and wait times that I would have gotten from calling from home. ( For the record I gave them a check for my normal payment of {$650.00}. ) Let me be clear : I am not 6 months behind in my mortgage, or 4, or 3 etc. and have never been. I WANT to pay my monthly fee as I have for 21 years and I want to pay my taxes at the end of the year as I have for21 years. I have been crystal clear to PHH that I ca n't pay the increase that an Escrow designation warrants and need to be placed back on a Non Escrow status to afford my monthly payments. And, why would they send me their Home Owner Assistance package with a designated Case Manager, implying their awareness of my financial woes, and then change my account to Escrow which clearly increases the monthly payment. How wacky is that?
I have been MORE than patient and cooperative and quite frankly am tired of waiting, 4, 7, 10, 20 or even up to 2 hours to speak to someone who wo n't take any action on my situation anyway.
I await your valued advice and hope that your intervention will change my Escrow mortgage back to a Non Escrow, manageable mortgage once again.
My Sincerest Thanks, XXXX XXXX XXXX
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| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Late processing of mortgage payments mailed in and charging late payments. I have just sent a letter of complaint to PHH Mortgage, but have had this same problem occur in years past which got so bad I had to start sending in payments certified mail. While the company may resolve this, I feel there are many others that go ahead and pay the late payments as I have in the past. This company should be watched for regular use of this late processing. This is the first time this has happened in over a year, however it did happen a number of times in the past on two loans of mine they were servicing.
Email to PHH Mortgage below.
I mailed a payment to you on the above account on or about XX/XX/XXXX and you did not enter it until XX/XX/XXXX. When I returned from vacation after XXXX, I found a late payment notice in my mail on XX/XX/XXXX. I immediately called up your call center on XX/XX/XXXX and made a payment by phone. As your agent could not mail me a confirmation, I went online and made another payment. You charged me a late fee for both payments. Then to my surprise, on my bank statement the original payment I made on about XX/XX/XXXX appeared on my statement on XX/XX/XXXX.
My credit score ranges between XXXX and XXXX as I have not had a late payment in over 20 years on my credit report. YOUR COMPANY PHH MORTGAGE is the only one that for some reason can not enter payments when they are received. Im sure you want to blame it on the post office, however, I have five mortgages and your company is the only one to enter payment late apparently in an effort to gain extra income from late payment fees.
Previously I had another mortgage with your company which fortunately you sold to XXXX XXXX. ( That company has never failed to enter a mailed payment in the four years or so they have had the loan ) On a number of occasions it took PHH MORTGATE well past the late fee period to enter my payments. It was so bad I started sending in payments certified mail and will now have to in the future once again. Perhaps you can explain why my three credit cards and four other mortgages as well as many other bills I have do not have trouble receiving payments I mail.
Besides failing to enter my payments on time, you charge a significant fee for anyone to make a payment online or by phone, further padding your profits if this is done on a regular basis to other customers.
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| 10/17/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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XXXX missed a payment due to financially issues.
XXXX XXXX- called PHH Mortgage to make a payment- Was told I could not make a payment unless I have both payments I have tried to get PHH Mortgage to answer my calls- with no luck to getting any call backs or understandings to why they would not work with me on getting my payments caught up.
I was then served a default notice on my door.
I contacted XXXX XXXX- Case Manager Her direct number was XXXX ext XXXX I requested a loan modification was mailed out a package that I filled out and mailed back. We never heard back from her or anyone concerning the loan medication request.
I also reached out to - The United State Department of Housing and Urban Development- they placed me in contact with XXXX XXXX Once again we filled out the loan modification package- Again telling everyone that the Borrower and the Co- borrower were divorce in XXXX We never heard if I was granted the modification or not.
In XX/XX/XXXX I received information from PHH Mortgage stating a FORECLOSURE- and listed attorney XXXX XXXX XXXX XXXX XXXX the letter stated that XXXX XXXX remained Committed to working with me- HOWEVER- this was not the case In XX/XX/XXXX XXXX XXXX- sent me a letter with a payment - Again not indicating if this was the approval of the loan modification or not. There were payment coupons included- when I tried to get answers to what this payment was- I was not given information.
I then received a call from XXXX with XXXX XXXX on XX/XX/XXXX- which followed with an email XX/XX/XXXX- he sent a form stating he needed 90 days of current bank statements- and 30 days pay stub. I have not heard back from XXXX- nor has he replied to my emails or phone calls.
I was given different information- now being told because the information was not received 30 to 37 days before XX/XX/XXXX my house will be sold.
I have called the attorney listed on the file- No response nor call back I have reached out to XXXX XXXX and not given any information besides I need to speak with XXXX- Though XXXX will not respond to my calls nor emails I have reached out to the PHH Mortgage which is saying XXXX XXXX now is serving my loan.
AND -- the most important part the Borrower has NEVER been served nor will get any information today XXXX when she tried to call in to see what she needs to do to get an extension or to stop the forclosure
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| 02/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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First I would like to say I am getting tired of my bank responding to my complaints which I rightfully have many, with false, innacurate, misleading and many violating so many of my rights here in my loss mitigation process of my foreclosue conveying these messages that are for EXACTLY the same reasons as they were cited for in their XXXX ( XXXX ) dollar civil action fine and law suit for borrowers in the same position in XXXX to XXXX and I was one them as well. I blame my bank as a result of not foreclosing in XXXX or XXXX when there was no chance to salvage this condo but because I got a discharge in a. Chapter XXXX Bankruptcy case they stalled almost 4 years until I won my XXXX case to offer me a predatory lending loan modification when I owed nothing from a personal perspective and I lost out on a nice affordable housing situation as a result.
Ok on XX/XX/XXXX I got a response of my two CFPB Complaints from my bank XXXX XXXX Office of the President with a top letter and copies of things to try and help their defense. It has only made it worse as the papers all contained errors and innacurate info and more Violations and more. There are so many I will choose one for now. In that package they sent me copies of documents I never got and even if I did had errors. A letter with no date but if it was sent it had to be around XX/XX/XXXX. On the front it says XXXX XXXX XXXX Evaluation Summary. In the second paragraph it says " I am not eligible for the program listed on the evaluation summary. On the 4th and last page this evaluation summary has 5 programs they claimed I was screened for and the last one says pre approval of deed in Liue. How am I approved when your first page says I am not eligible for any programs? They include a copy of a letter dated XXXX saying I was pre approved for a DiL and what I had to do. I never got this either. I did get several complete denials of this DIL.The details of this offer were totally different than the offer I got by phone and email on XXXX That on the first page of the XX/XX/XXXX response they say this offer is the one assigned to XXXX XXXX on XXXX XXXX XXXX ALL IMPOSSIBLE AND LIES. I am stunned at what is happening and the Attorney General of our State who participated in the case of XXXX to XXXX I am in the process of contacting.
Attached is the papers scanned so they can't change anything.
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| 03/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am writing this letter to request your assistance with keeping my home. I requested assistance from my lender but their Decision Letter ( Page 1, 3nd paragraph ) stated although I may have a hardship, I do not qualify for the Home owners Assistance Programs listed on their evaluation summary. XXXX See attached documentation. ) On XX/XX/XXXX, XXXX XXXX XXXX, my mother ( co-borrower ) on the loan passed away ( death certificate attached ). Prior to her passing we were on time with our payments. At that time, I made a request to my lender for assistance and was not offered a principal reduction to make my payments more affordable, but was given a modification. My mother and I were splitting the payments of the mortgage, utilities, and the Home Association Fees. We qualified for the home based on both of our incomes.
REASONS FOR FALLING BEHIND : PHH graciously has offered me a modification, in the past, and I am very thankful. However, due to health related issues and a reduction of work hours I fell behind in my payments. This began to occur around XX/XX/XXXX. During that time, some weeks I worked XXXX hours and other weeks only XXXX hours. Health issues further caused me to get behind in my payments. In XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, I was hospitalized and subsequently placed under Doctors care ( documentation for hospital stay and time off from work attached ).
CHANGE FOR THE BETTER PERTAINING TO FINANCES & HEALTH : Currently, my circumstances have changed for the better. I have fully recovered from my illness and back to working a full XXXX hour work week. My employer is even allowing me to work overtime ; I have received a pay raise and bonus. I have also started renting out a room at my home again so I can maintain my mortgage payments even if my health starts to decline again.
REQUEST : I request assistance with getting back on track with my payments, such as payment reinstatement and principal reduction. The balance on my loan is around {$410000.00} and I owe a little over $ 25k to get back on track with my payments.
I am committed to keeping my home, but I need some financial relief with my mortgage, and any assistance you can provide would be greatly appreciated.
Thank you for your assistance with this matter and let me know if you need additional documentation from me.
Sincerely, XXXX XXXX
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| 12/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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Last year, my husband and I tried to refinance our first mortgage, which is held by PHH. Because PHH refused to rate our loan and report our payments to the credit bureaus and because they lied and said we had 30-day-lates everymonth for six years, FHA could not and would not refinance us. At this time last year we submitted a complaint with CFPB. PHH admitted not wrong doing. I was so demoralized and angry that, unfortunately, I did n't realize that I could dispute PHH 's response and let the complaint die. Now, a year later, we are trying to refi again, and guess what? PHH still has n't reported any of our payments as we requested they do so. And again, FHA wo n't refinance our current loan with PHH. Because PHH was n't listed with the credit bureaus, our application goes to a secondary set of requirements for a FHA loan, which include a higher credit score and a longer history of no lates. This is a circle of disaster. Because PHH has n't reported, our credit scores stay low and PHH still shows us as late from month XXXX on. It 's a no win situation. We are working with XXXX again and tried a million ways to talk to FHA to explain the unusual circumstances, but there is no way to submit an exception. Now, XXXX has found a lender that will refi our first mortgage with PHHm but not both the first and second. AND, the interest rate for the new loan is % XXXX when the FHA loan is for % XXXX. AND we ca n't include the second. I 've called PHH several times, and again we get the runaround and no one will speak to us regarding the reporting of our info to credit bureaus. Desperate, I 've been calling all my Federal reps and agencies. It looks as though XXXX may initiate a XXXX investigation and that would be great, however, all if this so darn slow and it does n't help our re-finance possibilities today. A non-profit suggested I file a second complaint to update the CFPB that PHH continues to engage in illegal and fraudulent activities. Can CFPB please look into how PHH remains in operation? And what are my rights as a consumer regarding recourse when a financial product company acts this way? Because I hate PHH so much and dealing with them has made us physically and mentally ill, I will go forward with the possible new loan for the first, but we continue to lose money and pay outrageous amounts in interest.
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| 08/18/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX Driver 's License # XXXX Address of Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Residence : XXXX XXXX XXXX, XXXX XXXX, OK XXXX I, XXXX XXXX XXXX, hired XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX. He was hired to repair damages to my home in XXXX, GA after XXXX XXXX. This was an insurance claim as well as addition to the home. XXXX XXXX received a check for {$21000.00} as well as {$10000.00} of personal funds that was transferred from my XXXX XXXX XXXX XXXX account to his. After XXXX XXXX abandon the property, damaged my property which left my home not livable. I know have family displaced/homeless with no way of contacting him. I have left several messages on his cell phones, emails, and I have sent him a certified letter for him to please contact me. XXXX XXXX signed for the certified letter and still has not contacted me or refunded me my funds. I called his insurance company to see if I could file a claim but was denied due to a statement that he was not paid. The insurance company also stated that he was not a license contractor and should have never signed the contract. I researched the database to locate if he ever had a license and was unsuccessful. I am XXXX XXXX military and I am asking that I please have someone assigned to this case and to help me. I do not want him to do the to anyone else. I have a copy of the contracts, checks and a letter from the banks for funds cashed, transferred and received. XXXX XXXX signed the contract XX/XX/XXXX. He started some measurements/materials during XX/XX/XXXX. XXXX XXXX did not start any construction on my home until XX/XX/XXXX/XX/XX/XXXX timeframe. This is from texts and phone calls of the progress from him. After XXXX XXXX received the additional {$10000.00} via funds transfer ( XX/XX/XXXX-XXXX XXXX XXXX week ) no one was able to contact him. My insurance company ( XXXX XXXX ), mortgage company ( PHH mortgage ) as reached out to him several times with no response. I spoke to an attorney about this issue and was advised that the person was a fraud that had stolen my money and that I needed to make a police report ASAP. If you need any documentation or have any questions please call me at your earliest. I can be reached at XXXX XXXX XXXX XXXX. Police report # XXXX Thanks and have a blessed day! XXXX XXXX XXXX
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| 03/01/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have a mortgage through PHH ( account XXXX ) and I have fallen behind on payments due to my nasty divorce. I communicated with PHH trying to obtain some relieve to no avail. Case Manager was XXXX XXXX. I filled paperwork out twice and heard nothing back until they started talking foreclosure. I finally was able to borrow funds to cover the past due amount of my mortgage and when I tried to pay PHH multiple times during the past XXXX to eight weeks, they kept referring me to a law firm XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX. I tried communicating with the law firm several times XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ; XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX was no help as all she said was they were waiting on mortgage company to provide figures. XXXX XXXX said he would e-mail information when he received it and I received it on XXXX/XXXX/XXXX. I called PHH on XXXX/XXXX/XXXX and spoke to XXXX, a manager. He said the attorneys office have had the figures since early XXXX and tried to do a XXXX call with the Law Firm.. He advised that records indicated they sent me a letter with the figures about three weeks ago. I advised I never received the letter and requested they resend the letter. I still have not received the alleged letter.
As mentioned above, the Law Office kept telling me to wait till I received a letter from them. I informed them I was trying to pay and still received same response. I received an email at XXXX on XXXX/XXXX/XXXX stating what I owed ( this amount with wording used was ambiguous at best ). They have included in the amount owed almost {$3000.00} in foreclosure fees. The letter was dated XXXX/XXXX/XXXX and gave me XXXX that same day to remit total payment addressed in that letter along with any additional monies that may be owed as I was directed to call attorney office for solid amount owed. This is unacceptable. It appears that they have employed delay tactics in order to charge me the foreclosure and attorney fees. I want to bring my mortgage current but feel it is not right having to pay the foreclosure and or attorney fees since I have been trying for 6 plus weeks to pay this current and have received the run around and conflicting information from PHH and the attorney firm they hired. Please help.
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| 08/10/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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In XXXX XXXX we closed on a condo in XXXX XXXX. The mortgage company at the time of closing was XXXX XXXX. The mortgage was immediately transferred to XXXX XXXX. After a few more years, the mortgage was transferred to XXXX XXXX and payments were made to PHH ( a mortgage payment clearing house ).
In XX/XX/XXXX, my partner and I were having financial difficulty because of a faltering business we both owned. We fell behind our on mortgage payment in XXXX XXXX. In XXXX XXXX, we sent a payment for one month. The check was returned to us because, as the representative said, the payment did not bring the account up-to-date. The next month, we tried to make two payments. The checks for both payments were returned because the payments did not bring the account up-to-date.
The mortgage was transferred to the Loss Mitigation Department. We attempted to contact the department several times over the course of two months. Each time we were told the person in charge of our account would return our calls. That person never called us.
Finally, we spoke with the account manager who sent us a Financial Package to work on possible solutions. We immediately sent in the necessary paperwork regarding such solutions. Later, we called the account manager several times only to be told the account manager was " awaiting a decision from shareholders. " Obviously, our mortgage was falling further and further behind. The decision was finally handed down. The account manager told us we did not qualify for any repayment terms and we needed to pay tens of thousands of dollars ( payments, fees, interest, and penalties ) in order to keep the foreclosure process from moving forward.
The property was sold at auction in XXXX XXXX. We were evicted from our condo in XXXX XXXX. The paperwork filed for the foreclosure, sale at auction, and eviction were prepared by the Law Offices of XXXX XXXX XXXX, XXXX ( We later learned, via different and well-respected news outlets, our foreclosure documents had been robo-signed by employees -- but not attorneys -- in the Law Offices of XXXX XXXX. XXXX. ) Consequently, XXXX XXXX XXXX was later disbarred from the Florida Bar Association for his actions in handling thousands of foreclosures in the State of Florida.
See links to news articles. XXXX and XXXX
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| 06/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH Mortgage, a subsidiary of XXXX, has discriminated against me as a XXXX person in the US since XX/XX/XXXX and denied on multiple occasions. I am in the process of initiating a HUD investigation. I was declared legally and permanently XXXX in XX/XX/XXXX yet I continued to work and pay my mortgage payments even while ill. Then, in XX/XX/XXXX I became unable to work and my identity was stolen by someone who threatened me and my family with bodily harm. They received an Identity Theft Affivadit. I initiated a XXXX investigation which they refused to respond to because they were under formal, written Cease and Desist yet violated that over 150 times with emails, statements, other communications via US Mail and Certified Mail. They attempted to serve me with foreclosure notices at my previous residence at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I abandoned the home in XX/XX/XXXX after learning it has XXXX XXXX XXXX that has made me terminally ill with less than 6 months to live unless I receive critical medical attention. I escalated the issues to the Office of the Ombudsman who denied they discriminated against me. I requested Demand Payoff Quotes with waiver of everything except the principle and interest on multiple ocassions. That home is my largest asset and my only daughter 's legacy and inheritance should I pass away. I am in the process of settling the homeowner 's insurance claims and retaining legal counsel for the issues with XXXX Mortgage and the secondary mortgage company, XXXX XXXX XXXX, who holds the HELOC. I will be on XXXX and XXXX later in the year. I currently have no personal assets, no bank accounts, and no credit cards because of the damage done to my credit from the person who stole my identity in XX/XX/XXXX. My XXXX XXXX XXXX father is currently supporting me, and I don't even have money for the bare essentials such as food and water much less XXXX XXXX. My father lives on a fixed income and also supports my older sister, who has learning XXXX, and my daughter, who was a student at XXXX XXXX XXXX and lost her best friend on XXXX 's Day. She is now a student at the University XXXX XXXX studying to become XXXX XXXX and in the process of setting up a division of XXXX in memory of XXXX XXXX who our community lost to XXXX XXXX.
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| 12/04/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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A modification package was submitted to the servicer on XXXX XXXX. Confirmation of the document was received via email, please see attachment. On XXXX XXXX the file was opened, please see attachment. A letter was generated XXXX stating that the financial package was received, please see attachment. On XXXX XXXX an email was sent to the servicer requesting an update on the file as well as an update on the sale date. Later on in the day a message was received via email stating the file was denied the previous day from a different party within the institution. See attachment. The package was sent in 9 days before the sale date yet the servicer is now refusing to review the file per the letter. The file was already in review per the letter that was sent out acknowledging the documents.Per the servicer portal website, work was still being done in the file as of XXXX, Please see attachment.
On the XXXX " Servicer '' has confirmed the above mentioned borrower and location is currently " Under Review '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following : XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX.
It is very apparent the servicer would rather foreclose on the home then move forward with the review to retain the home. The events described are just a sample of the practices that are taking place at PHH. PHH is more interested in foreclosing and selling homes at auction to make a profit. It appears that PHH 's lack of participation in a meaningful modification review of the file indicates a preference to profit directly from the homeowners hardships. Furthermore, the numerous times the homeowner has spoken to the PHH should extinguish any opportunity to excuse PHH 's behavior.
At this time we are demanding a postponement of the sale date or the homeowners will assert their legal right and name PHH and XXXX XXXX as defendants in Civil Court.
|
| 05/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
For the past 2+ months, I have, as a volunteer/friend, been trying to assist a friend 's brother with a deed in lieu for his property that is facing foreclosure. His loan is serviced by PHH. Since starting on the process back with the filing of my Letter of Authorization with PHH, PHH has used my phone number to debt collect daily, often twice daily on my personal phone number. And yet, the few times I have tried to reach the deed in lieu area of the mortgage servicing area, I am put on hold for at least 45+ minutes and am given little to no information about the status of his request for a deed in lieu. I have emailed the General Counsel of PHH repeatedly without a response to alert her to serious violations of the debt collections practicing act and the failure of PHH to adequately be responsive to this homeowners needs. Today, after being on hold for over 60+ minutes, the executive office of the President said they could not find my letter of authorization, which at least the first loss mitigation rep, who could not access the notes in the file for a status update, at least could. I find the lack of responsiveness, the sheer lack of professionalism at all levels of this mortgage servicer and their repeated debt collecting on myself on my personal cell phone at all hours of the day and night to be a complete failure of so many parts of their consent decree entered into the NJ AG for failure to loss mitigate, DODD FRANK and the Fair Debt Collections Practices Act. Plus, there should be minimum standards in place for this mortgage servicer to not only answer their phone but to provide substantive and prompt updates on their loan servicing to the HOMEOWNER and HOMEOWNER 's ADVOCATE. WHEN IS THIS EVER GOING TO STOP!!! It has gone on far too long. I GIVE UP. Let the mortgage companies take back all the houses, charge exorbitant rents. Let this scenario run to its illogical conclusion and see where it leads this country. I do n't want to advocate any longer. I do n't want to rage any more. I give up. Take all the houses, all the bank accounts and tax all the poor and middle income you want. Just give this one poor guy his deed in lieu so he can get on with his rehab, start a new chapter and hopefully live and die in peace.
|
| 02/19/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I make my monthly mortgage paymnets by an automatic withdrawn of my bank acct ea month : by the XXXX the total amount of the mortgage is paid and I am never late with the due payment. Starting XXXX XXXX I tried to refi this mortgage. The loan officer was super slow on her work : every several weeks or even months she would ask me more docs needed for the closing. On XXXX XXXX she told me she ca n't close because I had a shortage on my escrow account. I was asked to pay {$790.00} for that escrou to be brought up to day. I send the payment on XXXX while I was also making my regular monthly payments. On XXXX XXXX I was short about {$75.00} ( rounded up ) due to my fault as I forgot to modify the automatic payment to reflect the new increased monthly payment due to the modification of prpperty taxes. Conclusion : although I made extra payment towards the shortage on escrow and I made all mothly payments in time, PHH mortgage mingled with my funds : it took money dedicated of paying the mortgage and dedicated to the escrow making the mortgage to be in defauls for two months. I had several discussions with representatives, all located in XXXX, and I receive daily collection calls for me being at " default '' with my mortgage payment. All this is not true as per above my mortgage is paid in a regular basis in full by automatic withdrawn. I made a complain to the president of the company about this situation early XXXX. No conclusion. The letter received on XXXX/XXXX/XXXX tells they are still investigating where is my money. Definetely the book keeping is very bad or somebody mingled with the money : they are unable to give me a decent explanation of why they stop applying the payments to the mortgage and kept my monthly payment twice. I figure now in their books that I pay about $ XXXX mo and change instead of my {$840.00} send monthly from my bank account. The result of this messy book keeping affects my credit report as I figure in pre foreclosure proceedings. None of the representatives I spoke with is unable to track down where is my {$790.00} send in XXXX, why they stop applying money send towards the payment of the mortgage and why I figure out as paying $ XXXX while up to XXXX I send ea month {$840.00}
|
| 04/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX Keep your Home California had approved to reinstate me.
I had requested a re instatement quote from XXXX dated XX/XX/XXXX for the amount of {$52000.00} that was good thru XX/XX/XXXX.
Keep your Home California requested their 's about 2-3 days later since they were ready to re instate and need to request there own. There re-instatement amount was {$72000.00}.
How Is it that XXXX Provided Two Reinstatement Amounts within the same dates yet {$20000.00} more to keep Your home California Knowing that Keep Your Home California max re instatement assistance is {$54000.00}.
I then contacted XXXX, which told me that they would accept the {$52000.00} from me if I made a payment in the {$52000.00} amount by XX/XX/XXXX but would not take that amount from Keep Your Home California.
Keep Your Home California said they would pay the {$54000.00} if I could show proof that I paid the {$20000.00} difference which I was more than ready too.
XXXX told me that they would not accept two separate payments, they would not accept {$54000.00} from Keep Your Home California and the {$20000.00} from me.
XXXX changed the amount of the re instatement in order to proceed with the foreclosure, they refused to allow me to cure my past due amount.
I just submitted a modification on XX/XX/XXXX and as of XX/XX/XXXX they have said it is a complete packet yet continue with foreclosure instead of putting it on hold to review application ( dual Tracking ).
I have submitted several modification applications which have been denied. Now they are telling me my loan has no options available. When I ask why they are telling me they can not offer me a lower payment. I am not looking for a lower payment I could pay double the payment I have told them that since the beginning.
why would a XXXX refuse to take the full reinstatement amount. why did XXXX not want to separate payments what reason do they have not accept money beside wrongful foreclosure.
XXXX PHH have done everything to set me up to have no other option but to foreclose on my home because they know my home is in a desirable area and is worth more than what I owe them. they are attempting predatory foreclose on my home for there gain.
|
| 11/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I Applied for a refinance with PHH Mortgage ( XXXX ) in XXXX 2016 and was approved for a low rate of 2.62 % over 15 yrs, since i have 30 yr conventional with them for the past year. It has been a nightmare ever since and my loan has n't closed even today ( XXXX/XXXX/16 ), which should have been a very simple process. My credit rating is XXXX and all documents are in place. XXXX confirmed all documents are good. after 20 days of working on it, they got back saying they did n't receive a DL. I sent it again, and this application process started all over again by a new XXXX. Since, it crossed 30 days, they said they can not honor my 2.62 % and made it 2.75 %. many phone conversations, emails later, there was nothing PHH could do ( apparently ) and went ahead with 2.75 %. Another 20 days and they come back with a request to resubmit latest pay checks ( obviously, we are into XXXX now ). Again, after many emails and phone calls, I emailed the same and the process started again. The rate now is 2.82 %. I was furious, but, could n't back out because, I already paid the Appraisal {$650.00} and did n't want to lose it. Now, its already end of XXXX and the title company came to close. At the end of closing, they found that the rate quote disclosure they had was different to what PHH sent to me. so, after 1 hr of signing all documents, we could n't close. By now, I totally lost it and said, i wo n't go ahead with them and was willing to lose out on the {$650.00} appraisal. Now starts the second story. While working with a different mortgage provider, PHH emailed me a 'Congratulations on closing the loan '. when i checked, it said, i closed it and the next payment was due XXXX/XXXX/16. After 30 mins on hold, a XXXX confirmed it closed. So, i contested it. They said, they have to research what happened. in the meantime, the new mortgage provider said they can not proceed if you already have a loan. I called the Title company, who said, they have n't dispatched the titlework to PHH. so, it is illegal to close.
Now, i am going to lose out on a 2.875 % rate with the new company, because of PHH. Please help me cancel it and bring my credit file back to the original.
|
| 06/10/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This mortgage is the second on the property. Due to hardship we are going through a DIL on the property. Process started in XXXX. By XXXX the primary mortgage had approved the DIL but needed the second to be cleared. We had contacted the second mortgage communicating out intentions and filled out the requested paperwork in XXXX and early XXXX. The first mortgage made a settlement offer. I was given verbal confirmation that the settlement was approved near the end of XXXX. An acceptance letter was sent in XXXX. The letter was not the appropriate letter for the situation. It stated that they would take possession of the property, not release the lien, among other things. After much discussion between myself and the two mortgage companies, an appropriate letter was produced. We signed it and notarized it. The first mortgage sent a settlement check near the end of XXXX. The check was " lost '' ( it did eventually turn up 8 weeks or more later ). The first mortgage had to cancel the check and send another. This check was received XXXX XXXX and put into a suspense account. I was told the request for a release was filed around XXXX XXXX and would be completed within 30 days. The first week of XXXX it had not been completed. It had been shuffled through departments and " misplaced ''. I was told that it would be processed as soon as possible. It was sent in for recording on XXXX XXXX. The county returned it because they did not include recording fees. Initially, they were waiting for the returned documents to show up ( which to my knowledge has not happened yet ). After much insistence I was told that a new set of documents were being drafted and sent in. It is XXXX XXXX and this has not happened yet.
Main complaints : Every step has taken to the last moment or longer to complete.
Settlement acceptance letter was incorrect - should be standard.
Emails and phone calls were rarely if ever returned in the " 24-48 hours '' All mailed documents/check lost I have had to follow up with every step to get anything done Recorded documents sent without payment.
This should be a standard occurrence and every step has had issues. It feels deliberate or incompetent.
|
| 02/17/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I contacted my mortgage company in XXXX to seek assistance in avoiding going into default on my mortgage payments, or worst case losing my home. I purchased my home in XXXX and lived there until I XXXX. I was able to rent my home the entire time I was away and once I returned the renters decided to XXXX to a different state. From XXXX of XXXX until XXXX of XXXX I was not able to rent/sale the home. I had applied for a Hardship loan modification and was denied, then I tried to short sale and was denied, and finally after applying for a Deed -in- Lieu, I was again denied. The home was finally rented in XXXX of XXXX, but the mortgage company moved to foreclose on my home. I had to hire a third party home assistance company to assist in saving my home from foreclosure. The night prior to my home being sold ( with renters living inside ), the third party I had hired stopped the mortgage company from foreclosing on my home, due to my XXXX XXXX status. I was then notified by the third party company I had hired that a loan modification had been approved and that my new loan payments would begin XXXX XXXX XXXX. I had not received any documentation or correspondence confirming this approval, so I contacted the mortgage company to confirm the approval and to confirm payment. I was not able to reach my case manager for this company and I was told by another loan officer that the loan modification had in fact been denied, due to no response on my part. I contacted the third party company with this news as well as my attorney and it was discovered that the mortgage company had NOT sent out the proper documentation for the loan modification and no contact had been attempted to reach me or the third party company that I had hired. The mortgage company, after being confronted with all of this recognized the failure on their part but still has not taken my home out of default or sent confirmation of the loan modification approval. I have contacted my VA loan representative in this case and to date, the mortgage company has not sent in any updates or record of my XXXX payment which was received XXXX XXXX XXXX. I still do not know that confirmed status of my case.
|
| 01/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
PHH Mortgage has done several things to make my mortgage increasingly untenable and are now threatening to foreclose. When I submit late fees, they disregard instructions and apply it toward principal, subtract the outstanding fees from the base payment, claim I was late, then apply yet more late fees. I now owe well over XXXX $ in late fee due to this 'snowballing ' of late fees. Once, they sent me an escrow overpayment check of XXXX . I called to confirm that that was not an error and was told it wasnt. A month later, after the money was spent, they said it was an error and I had to remit the entire XXXX $ immediately. I could not do this, so my next payment was applied to that and I was assessed another late fee because they claimed I had not made a payment toward the mortgage. They eventually came up with a repayment plan but at this point my XXXX $ mortgage was now about XXXX $ per month. This made a difficult ( due to injury ) mortgage incredibly hard to pay, resulting in more late fees. Their phone representatives are completely inconsistent ; at XXXX point claiming I owed no fees followed by a letter saying I owe hundreds. Once they claimed they could not look beyond 2 years back of the loan due to their computer system ; a claim that is completely implausible in the year XXXX. Now- I have changed positions and well equipped to incrementally pay off everything, but the bank demands 100 % payment or nothing ( they will not even accept my regular payment ). Of course, they are charging more late fees because they claim I am not paying. Naturally, my credit is completely ruined as well. I spoke to them on XXXX/XXXX/XXXX and they demanded a double payment to stop foreclosure. I pointed out if they had not sent back my last payment and I made a payment on-the-spot, that would have been the same thing, but the returned payment had, at that point, been re-routed to other bills of mine. I offered to make a double payment on XXXX/XXXX/XXXX and they said I would have to make a *triple payment " or be foreclosed. This is impossible of course, although it could be done on XXXX/XXXX/XXXX, yet I suspect they would demand a quadruple payment by then.
|
| 05/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
XXXX of XXXX, I had not received a mortgage payment booklet, so I sent a payment of {$1000.00} which they received XX/XX/XXXX. SInce XXXX of XXXX I had been sending extra payment on the principle to pay the mortgage off early. Later in XXXX I got a payment booklet which stated the entire balance owed in as of XX/XX/XXXX was {$2100.00}. With the payment slip I sent a check for the remaining XXXX balance which they received on XX/XX/XXXX. I also noted Mortgage paid in full. I noticed in the payment booklet they had vague lists of charges ; ie. XXXX to {$80.00} for closing estimate. I didn't need it. It clearly stated the remaining amount to the mortgage. I expected a letter stating to get lien clearance and the Property title I owed them x amount. Instead I began getting up to 6 letters a week telling me I owed them any amount from 241 to 881 with no explanation as to why. I sent a certified letter to the CEO of PHH Mortgage, and was turned over to the " Omsbudsman '' office at XXXX. They said they would investigate and asked for additional time. Although they still could not explain all the extra money I owed ( the two staff people I dealt with ) I did discover that 1 ) they not only failed to apply both checks to fulfill the balance in XXXX ; but they created extra payments and 2 ) CHARGED ME AN ADDITIONAL INTEREST!!!! I also learned that they had on at least two occasions in XXXX charged me late fees. They were not entitled to do that until the XXXX of the month, but they did it if payment was not received by the XXXX. I have yet to learn whether they did thissame illegal charges in XXXX as well. I have also been receiving dunning letters sometimes 6 times a week as if I am a deliquent debtor. Amounts vary from letter to letter. I have also received letters advising me on how to declare bankruptcy. When I requested that they stop these letters ; that I considered them Harassment, they told me that they were not able to do that. Aside from the serious stress of this situation, it is possible they are doing damage to my excellent credit status. Paying off a mortgage should be something to celebrate. This is making me sick ... literally.
|
| 01/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Two months late on a payment and was notified by mortgage company that we were eligible for refinance, re-modification and/or forbearance. After submitting the documentation was submitted within 2 weeks, we have received on numerous occasions that our packet was incomplete. After complying to their request, upon being told, it was lost or misplaced, and submitting it again, a final response to re-modification was provided. Please note, however, that this took 4 months of resubmitting it, and only to discover there was XXXX block on the XXXX form that was not checked. The representative we were working with from the mortgage company, realized the mistake, called us to fix it and return it. Again, I did that within the hour. This was taking place while I was communicating with XXXX regarding this situation. Being a member with XXXX, they have an advocate to help assist with with any problems that may arise. We did so. Apparently, it was n't until XXXX made phone calls that this representative finally processed the paperwork. The answer we received was that i was n't approved. The answer was that our mortgage was past due more than 60 days. I had made XXXX payments, XXXX and XXXX, only to have it returned to me. Apparently, I did n't make the right payment amount. Due to their negligence in processing the documentation in a timely manner and 'acting in good faith ', which caused a delay in processing the documentation, the home is now in a foreclosure status with a law firm. I do n't understand how, when I made payments only to have it returned, notification of refinance/re-modification approval, submitting documentation numerous times, and now not approved, we get stuck with paying the large amount of payment and lawyer fees, all to be paid within 5 days.
PHH mortgage has been improperly handling, misleading, and in an untimely handled our case.
XXXX, is NOT a PRO military corporation. I know that, because my husband is currently in the XXXX and has been with XXXX for 28 years. Financing our home with XXXX only to find out that they had sold it to PHH.
XXXX has communicated to us, that at this point, they can no longer assist us.
|
| 05/29/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
I am working on an assumption with PHH Mortgage. It 's quite complicated, there are several different entities involved because it was not being processed properly previously. One of the recurrent problems is that they would not acknowledge that documents were sent to them. And they were not making the requirements known to both parties. On XXXX/XXXX/2015 an inquiry was made and their response was that I had not provided the documents. I corrected them and copied the VA regional office who is the final approval on the loan. I also asked that they make sure that the other party was aware of any requirements that he needed to fulfill. The following day the acknowledge receipt of the dcouments that they had then said that they had sent documents for the other parties signature to me. The documents that they sent me had no signature page for the other party and the instructions did not include sending to him. My instructions were to include a check for the required amount the notarized docs and send back. On XXXX when they said they had not received certain documents, it required a large amount of time and coordination for me to confirm that the documents had been in fact been sent to them. To make a long story short, they are making a relatively simple process very uncomfortable, they are not responsive. It has been the same XXXX individuals the whole process, XXXX XXXX and XXXX XXXX. I 've asked several times to have them removed and have the case handled by someone else and even though their previous assertions were proved wrong, documentation was lost, and the XXXX try was very unsatisfactory. We started again with the same individuals, and got the same result. We do n't have the documents, we told you to get signatures or documents from XXXX XXXX ... ... To get this process going I had to contact an attorney, a congressman and the VA Regional Office. Attached is the document they sent to me, with no dual signature requirement, initials, nothing. They did send out the other document to the other party but without acknowledging that it should have been sent out when mine was. Duplicitous is the best word to describe them.
|
| 12/10/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been making regular payments to Merrill Lynch since the inception of my loan back in XXXX. In the XXXX - XXXX time period Merrill Lynch voluntarily paid my ad valorem taxes. The first time this took place I simply paid in a lump sum of over {$21000.00} to pay them back. The second time they began to charge me escrow payments of approximately $ XXXX/month which was fine with me. However they misapplied the phone several times. There were times when they told me a payment was not due and they would return funds to me. This confusion cause them to miss appropriate payments in such a way that they turned me and to the credit bureau for making late payments, however I followed their instructions the entire time. For example in XXXX of XXXX I made XXXX payments in one month at their request. In XXXX I also made XXXX payments at their request so I should 've been " ahead ''. Additionally in XXXX I made them a payment of {$21000.00} to pay for the taxes they had paid. Also during XXXX they applied a payment into a suspense account rather than as a XXXX payment. I spoke with them in XXXX and made XXXX more payments. They told me I forgot to make a XXXX payment and at first I assumed perhaps they were correct until I went back and checked my records. I had made XXXX payments in XXXX and they applied XXXX to a suspense account - perhaps because the XXXX payment was not technically do yet I am not sure. I sent them detailed information explaining that their error in reporting to the credit bureau has caused my credit score to be reduced to a point that I can not refinance my home. I received a brief letter saying that they had done their research and felt like they were correct. This is causing me a major problem. Nobody will refinance my house with this credit score of XXXX. I have been told by a credit consultants that the Merrill Lynch blemish is causing my score to be reduced by XXXX to XXXX points. what is the most frustrating part, is nobody will explain exactly where they think I have missed a payment. They simply asked me to produce a copy of my credit report and information on why it needed to be corrected.
|
| 06/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In late XX/XX/XXXX, I mailed a XX/XX/XXXX mortgage payment using the XX/XX/XXXX coupon of my current mortgage servicing company, PHH Mortgage. After coming home from vacation, I found in my mail a second payment coupon for XX/XX/XXXX from another servicing company, XXXX XXXX. My servicing had been transferred. I did get a notice about this earlier, but missed the effective date of after XX/XX/XXXX, so I erroneously paid the first company because that was the only coupon I had at the time. My check to the first company ( PHH ) had not cleared by XX/XX/XXXX, so I was worried and called them. Their voice message said my account was transferred and I had to call the new company ( XXXX ), which I did, but the new servicer said they had not gotten anything from the old servicer ( PHH ) so I have to call the old servicer back. PHH 's customer service rep said they had no record of the payment. They said when they got the check they would either send the money to the XXXX or refund it to me. I just have to wait. This seems contradictory to their notice ( attached ) that says : " The last day PHH Mortgage will accept a payment from you is XX/XX/XXXX. '' I am worried when they will ever find my check in their system for my closed account if they say they haven't got it yet, since it's been a few weeks they sure should have gotten it by now. So I said how about if I put a stop payment on the check I wrote to them, and send a new check to XXXX for the XXXX payment. The PHH rep told me I am not allowed to stop the check and they will charge me a penalty for insufficient funds if I do that. They suggested I pay my mortgage twice -- the previous check to PHH plus write a new check to XXXX, then wait for PHH to process the first check. Or I could just wait until whenever PHH processes my check ( which they should have already gotten based on the dates, very worrisome ), to see if they pay XXXX the XX/XX/XXXX payment, or if they refund the money it to me. But I don't want to be late with the XXXX payment. So am I stuck paying double mortgage for XX/XX/XXXX? Do I have any other options to get this corrected? Thank you.
|
| 06/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had an FHA home loan with PHH Mortgage Company until XXXX XXXX, 2016. On XXXX XXXX, 2016, a corporate relocation company acquired my home to eventually settle on the house with private buyers. Therefore, I was not required to make a XXXX mortgage payment. I cancelled my automatic draft online at XXXX ( PHH Mortgage Company ) on XXXX XXXX, 2016 ( Sunday ) but their system took 4 days to load, and I could not call anyone to confirm since they are not open on Sundays. My XXXX mortgage payment automatically drafted {$1800.00} ( and change ) from account. On XXXX XXXX, 2016 I contact PHH mortgage to request a refund because the relocation company paid the XXXX mortgage and has confirmation of doing so. I faxed a formal request that same day and was told I would receive the refund in XXXX10 business days. On XXXX XXXX, 2016 I called back asking for the status since I had not been refunded. I was told that they had send a check in the mail, but that they would contact their cash management group to re-send a check. I was told to call back the next day to ensure this happened. When I called, I was told that I might not be able to receive a refund because my account would become delinquent, and was asked to call back a week later. Finally, after 6 calls, and over 3 hours either on hold or talking with a customer service rep, I was directed to a supervisor. On XXXX XXXX, the supervisor informed me that I can not receive a refund because then my account will become delinquent and will show negatively on my credit report. I explained to them that they have been double paid for XXXX, because the relocation company also has record of paying XXXX 's mortgage payment since they now own the home. It is XXXX XXXX, and they still have not issued me a refund for the overpayment in XXXX, and I was directly misinformed by XXXX of their customer service reps telling me that they had already issued payment to me earlier in XXXX, which I confirmed later on was not true. I also submitted my refund request on XXXX XXXX, 2016 and it took them until XXXX XXXX to review and advise me that they will not refund my {$1800.00}.
|
| 11/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I contacted PHH mortgage on XX/XX/XXXX requesting an escrow analysis to be done because I was at 78.8 % loan to value. I wanted to start the process of removing the PMI to my monthly mortgage payment. I then recieved my escrow analysis and the company had made an error on the original loan to value ( which was {$170000.00} as of XX/XX/XXXX ), but the company had put the LTV as {$140000.00} as of XX/XX/XXXX, which then affected the overall LTV changing it to 94.10 %. I contacted them about this concern recognized there was an issue, but the customer service person could not just correct the issue without placing a help ticket. After 2 business days I logged into my account and noticed they had changed the LTV from the error of {$140000.00} to {$150000.00}, but again this is incorrect. I contacted them about this concern and still got the run around and was told I had to wait on the original help ticket and they would contact me within 5-10 business days. I still had not received a resolution so on XX/XX/XXXX I contacted the customer service about the concern they finally connected me to a customer rep in New Jersey who then placed another help ticket about the concern. He also pulled my scanned loan docs and could see that the original LTV was {$170000.00} and that a mistake had taken place, but was not authorized to make a change. He would have to wait until the help ticket was resolved. As of today I have sent another email in regards to this concern, I have not been followed up with from Phh Mortgage nor have they corrected the issue. I am very concerned with how to proceed forward. I felt as a consumer I needed to make a formal complaint about this issue.
Back History : I had a mortgage escrow analysis completed XX/XX/XXXX. I was at 81.20 LTV. I have the documentation that was sent. I knew I was close to being at 78 % LTV in XXXX and that 's why I requested another analysis. On the XX/XX/XXXX payment my PMI would have been automatically removed. I have not refinanced the loan. I only did a rate modification in XXXX. I do n't understand how my LTV can just change.
|
| 10/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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In XX/XX/XXXX, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account XXXX. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on XXXX of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them.
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| 08/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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My mortgage servicer, PHH corporation, has failed to apply my mortgage payments properly. Specifically, when I make additional principal pre-payments, PHH assumes that a portion of my principal payments will be held for future mortgage payments. I can provide evidence of their distribution of my payments through attachments ( screenshots ). When I contacted PHH to fix the problem I was promised resolution by a foreign call center employee. The resolution of principal payment was scheduled to take place 10 business days after my request. XXXX days after my request PHH had not resolved my payment issue. Bottom line- PHH is holding large principal pre-payments as " future payments ''. Of course, this practice favors PHH as borrowers essentially provide PHH with a free loan instead of paying down their mortgage principal. Failure to resolve this business practice reduces " borrower morale '' and enhances the risk of default for borrowers that feel helpless. Given the reluctance of PHH to change this practice, borrowers probably feel that this process is a systematic attempt to keep people in debt for the full life of the mortgage. In this sense, PHH does not impose a pre-payment penalty, but deters pre-payment attempts through their business practices.
Forensics : I have attached screenshots of my account activity with PHH. My normal mortgage payment is attached ( {$1100.00} ). On XX/XX/2015 I made a payment in the amount of XXXX ( see attached ). Minus my mortgage payment due XX/XX/2015, PHH should have posted an additional pre-payment to principal of {$3100.00}. Instead PHH posted an additional principal payment of {$2000.00}, paid the XXXX payment of {$1100.00}, and held onto an additional {$1100.00} for my XX/XX/2015 payment. In this scenario PHH assumes that I would rather provide them with with a no-interest loan than pay my mortgage down early. The XXXX 2015 payment that was held for " safe keeping '' was intended for principal pre-payment, not a free money loan to PHH. PHH has failed to rectify the error after I notified them of their mistake.
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| 10/11/2018 |
Yes |
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- Trouble during payment process
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Web |
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PHH Mortgage has made false entries on my account and PHH Mortgage needs to complete a forensic audit of my escrow account. In XXXX PHH began servicing my loan. I have a Customer Account Activity statement that shows {$350000.00} in escrow disbursements. The DC Office of Tax and Revenue has provided me documentation to show receipt of {$190000.00}. PHH transferred my loan to XXXX in XX/XX/XXXX. Prior to transferring the loan, PHH documentation shows 15 disbursements of {$320000.00} between XX/XX/XXXX to XX/XX/XXXX. The D.C. Office of Tax and Revenue only received {$160000.00} in payments during this period. On a single day, XX/XX/XXXX, PHH made 11 entries on my account totaling {$150000.00}. All of these payments are listed as Payment of City Tax with the exception of one disbursement which is titled Special Disbursement. The DC Office of Tax and Revenue has not received any of these payments. I am suspecting false entries and falsification of information. Eight of the XX/XX/XXXX are duplicate entries with duplicated dollar amounts and the Office of Tax and Revenue did not receive any of these payments. Further evidence of escrow fraud is demonstrated by lack of escrow disbursement activity in XXXX, XXXX, XXXX. For these years, my payments were escrowed for taxes ; however, no tax payments were made. InXX/XX/XXXX, PHH completed an escrow analysis and increased my payment to ~ {$18000.00} per month from a previous payment of XXXX {$2200.00}. I suspect this action was to force my property into foreclosure with the false payment entries. Finally, during the years that I was making escrow payments and my loan was current ( XXXX ), my account incurred {$61000.00} in interest and penalty charges. In addition to resolution of the false escrow account entries, PHH owes me a refund of this amount since they failed to make the tax payments ; however, they refuse to address this issue. All of this questionable activity occurred before I stopped making payments inXX/XX/XXXX. The loan was transferred to XXXX in XX/XX/XXXX.
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| 06/19/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I lost my first job in XXXX and was put on a modification since I had found another job that paid {$10000.00} per year less. After months of working with PHH my mortgage company we worked out a modification. After PHH took my last payment during my modification they did not apply it to my account in time, even though they received it in time. I filed a complaint and that was rectified. I then had to do another modification, after months working with them, we set up a modification. I was then making my payments when I lost my job on XXXX / XXXX / XXXX . I asked what to do and was told to refile for modification. I did and was turned down stating I needed to do a forbearance. I refiled stating forbearance and received a letter on XXXX / XXXX / XXXX that I inadvertently checked self employed instead of employed. I could not afford to fax anymore so I corrected it and mailed the correct copies. I did not hear anything so I called and spoke to XXXX XXXX on XXXX / XXXX / XXXX who told me they never received it so she gave me the email address. I resent everything via email. Then I spoke to XXXX XXXX on XXXX / XXXX / XXXX who told me he never received the email. It appeared I received the wrong email address so I re mailed it that day. On XXXX / XXXX / XXXX I get a letter from an attorney representing PHH stating my house is going on the block for foreclosure on XXXX / XXXX / XXXX . I spoke to XXXX XXXX on XXXX / XXXX / XXXX who said he will make sure they have everything since that day is the deadline. No where in my letters was there a deadline mentioned and I worked as fast as I could to get all the information needed to PHH. I then spoke to XXXX XXXX who stated it may be too late but he could not guarantee anything and will have XXXX XXXX or his manager call me on XXXX / XXXX / XXXX when it will be too late. I am XXXX XXXX XXXX and XXXX and this is how PHH treats people? I am actively looking for a job even jobs not in my field so I can get employed.
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| 02/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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PHH mortgage was called and a 20 day pay off statement was requested and was faxed to my employment on XX/XX/XXXX. I went to my bank and processed the pay off amount of {$39000.00} and my bank sent the appropriate pay off amount XXXX XXXX overnight on XX/XX/XXXX.The escrow {$6500.00}. I received a letter from PHH dated XX/XX/XXXX it had written " revised '' and it stated that the pay off amount was {$87000.00} plus.This sets an out and out major discrepancy which will result in my not getting my property that i paid in full. I am afraid that these people will not release the lien on my home that I have paid in full.
I have documentation dated XX/XX/XXXX from PHH that says that the principal balance was {$42000.00}. and the escrow at that time was in excess of {$11000.00}. on the website. I have complained to you about this entity twice in XX/XX/XXXX and XX/XX/XXXX.I have written documentation from the president of PHH in XX/XX/XXXX that stated the principal was {$52000.00} with escrow {$9700.00}. This was corroborated with a letter from the PA department of Banking and Securities.
Therefore I am not sure why I received a letter saying I owe PHH over {$87000.00} dollar pay off!
I complained about PHH twice last year XX/XX/XXXX and XX/XX/XXXX due excessive escrow accounts and misapplication of my mortgage payments.
Briefly I had paid this mortgage so far in advance that in XX/XX/XXXX they told me that I did not have to pay anything on the mortgage until XX/XX/XXXX. I have amortization statement showing the account balance and the schedule of pay off.
It all started last XX/XX/XXXX when I visited the mortgage website and found a {$17000.00} escrow that was outrageous! PHH artificially stalled the pay off of this mortgage with their bizarre misapplication of excess principal payments and escrow accounting practices. Please review the complaints from XX/XX/XXXX and XX/XX/XXXX.
I just wanted to pay off my mortgage before i retired.I am so disappointed about how they have treated me.
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| 03/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Early in XX/XX/XXXX, we applied to have our PMI removed from our mortgage through PHH Mortgage Services. We sent them the correct application and paid {$150.00}, which posted to our bank account on XX/XX/XXXX. On XX/XX/XXXX, we received a letter declining our application for the following reason : " The Certificate Value ordered does not certify the original value of your property. 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time of the loan was closed. This excludes NY State properties, as the higher amount becomes the 'Original value ' ''.
They used three homes to compare our home 's value to. 1. These homes are not in our neighborhood or subdivision, and are not quite comparable, 2. They are not as comparable to the homes within our own neighborhood, of which 2 sold this past year for higher values than we bought
our own home, and they are identical in property size and home model. In addition, both XXXX and XXXX place the value of our home, currently, at {$34000.00} above the amount of our original loan. In our opinion, they chose three random homes that sold below the cost of our home 's original loan, without even looking at the homes within our neighborhood and the market 's estimates on our own home.
We called to complain, but they said that nothing can be done, and the {$150.00} is nonrefundable ( this is quite the fee for our family, as we currently need the PMI dropped to make ends meet ). Their only solution is for us to pay an additional {$250.00}, for a total of {$370.00} for a proper appraisal ( although that amount would really be {$220.00}, because they say we only paid {$120.00}, even though we have bank records ). This appraisal does not guarantee the removal of our PMI. We simply ask that they be fair with their process. This is a complete scam and an arbitrary process, as well as a way to make more money through a proper appraisal ( which they should have done the first time ).
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| 01/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, 2018 Regarding : Loan Number XXXX Dear CFPB, The mortgage escrow statement is missing the subject property address. I believe mortgage servicing laws require all mortgage statements have the property address associated with the loan on the statement.
I received a mortgage escrow statement accompanied by a large check. I called the mortgage company PHH to see if they missed one of my insurance renewal payments. Some of my properties have more than one insurance policy. After three ten minute holds a consumer service rep verified my information. She verified my full name, mailing address, loan number and social security number but then would not verify the property address associated with the loan number and mortgage escrow statement I had received and was calling about. I explained I have more than one loan with PHH and I did not know which property this statement was concerning. Without knowing what property we are talking about we could not have an intelligent conversation about any propertys insurance renewal payments.
I asked to speak with a supervisor and was told no one was available. I was told a supervisor would call me back within 24 hours. No one has ever called me back. The statement shows last years insurance was {$1300.00} and this year they only expect to pay {$590.00}, you would think that would raise concern.
So now I am in a position where I do not know if the insurance on one of my properties will be renewed. I will only be able to find out after the policy has lapsed and my insurance company sends me a notice of non-renewal for lack of payment. PHH will possibly leave me in a position of great loss if my property is uninsured. The idea they will not tell me which property they missed the insurance renewal payment on is nothing short of negligence.
I look forward to your assistance with this matter.
Sincerely, XXXX XXXX
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| 06/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been working with PHH Mortgage for one year attempting to find a solution for me to keep my home. I have submitted several packages for assistance, one two occasions I was granted a trial modification with a reduced payment and was assured that providing payments were made during the trial period, a permanent modification would be granted. I called to check on the status of my modification request on XX/XX/XXXX, I was told that the documents submitted were not legible and that I would need to resubmit the documents. On XX/XX/XXXX, I received a letter stating that a modification could not be granted because a modification was previously granted several years ago.
I have been consistently misled, I was told on numerous occasions that if I could afford the mortgage that the mortgage company would find a solution. Back in XX/XX/XXXX, I was assured that my modification request was being reviewed for a modification. I have submitted documentation in a timely manner and have complied with every request. I am now employed and working again full-time and can afford the payments. I am not sure if the breakdown in communication or the conflicting information is a result of the merger between PHH and Owcen.
What confuses me the most is that I was offered XXXX for a deed in lieu, if the mortgage company has XXXX to give it would be helpful to have that applied to the outstanding balance owed and for the loan to be modified or for a repayment plan to take place. I am extremely disappointed that I have been misled for almost a year. Had I known a modification was not an option, I would have sought alternative solutions months ago.
XXXX XXXX has responded to each inquiry I have submitted but her responses have been to solely defend the mortgage servicer and not to provide resolution. I am willing to reach out to additional organizations and the media if necessary. I have all letters sent to me by PHH and telephone calls to show that I am providing factual information.
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| 07/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My husband had a XXXX XXXX back in XX/XX/XXXX which caused us to fall behind on our payments. I continuously worked with Loss mitigation to get help in the matter. On XX/XX/XXXX, we were approved for a repayment plan and per the documentation received as long as we notified them that we wanted to do it and made our payment as of XX/XX/XXXX, we were in repayment. When i called in to accept the plan, I was told i could pay over the phone and nowhere in the documentation did it say otherwise. On XX/XX/XXXX, I called to make my payment and was told no, i had to mail it in. I did mail it in, but it never posted. On XX/XX/XXXX, I called to see what my options were and if my payment was received yet. Once again, I was told I could make a payment over the phone, then after a payment was attempted, advised the payment would have to be mailed in. I was told at that time that the representative would keep an eye on my account and if I was in Jeopardy of the plan breaking if my payment didn`t show up, she would call me. When I called on XX/XX/XXXX because i still hadn`t heard anything. I was told the plan was broken and I would have to resubmit new paperwork. I resubmitted new documentation with the same information i previously used and received a total declination letter. How is that possible when a month before we were eligible? I have resubmitted all documents and on XX/XX/XXXX was told a complete package was received and that foreclosure activity were on hold and no sale date could be processed. I called on XX/XX/XXXX to check on the file and was advised, nothing had been done with it, it was just sitting there and the representative would reach out to the processor. On XX/XX/XXXX, O was served with Foreclosure papers which was a violation of my rights, since I never received anything after my XX/XX/XXXX letter. I have since resubmitted documentation and the sale has been suspended for 30 days while they review, but if they come back and decline it, I will lose my home.
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| 12/10/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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On Tuesday XX/XX/2018 I called PHH Mortgage Corporation to verify that they were my new loan servicer and who I was supposed to submit payments to going forward. I asked how I could pay online, the customer service representative explained how to log on to do so. I noticed there would be a fee to pay online so I asked if there is anyway to pay online without a fee. He told me if I enroll in paperless option and wait XXXX hours, next time I log in to pay, the fee will not be there anymore. So on XX/XX/2018 I tried to log on but it kept saying my log in information was incorrect. I called customer service and the representative gave me a temporary password to use. That did not work so I still had no access to my online account to make payment. My options were to mail in a check or pay a {$7.00} fee to pay over the phone. This is when I started researching PHH Mortgage Corporation and discovered that they have had multiple lawsuits regarding charging unauthorized fees, using incomplete information in the foreclosure process, AND FAILURE TO APPLY PAYMENTS MADE BY BORROWERS. After reading all of this, I started to get concerned about my loan now being in the hands of PHH. I called customer service again and insisted to speak to a manager about these discoveries and my concerns about my inability to make a payment without being charged a fee. I asked the customer service representative XXXX times to transfer me to a manager and each request was ignored. I told him if he can not transfer me to a manager then I would like to submit my payment over the phone without a fee. He agreed to do so, asked me for my routing number and bank account number to submit payment. I am bringing this to light before it gets worse. I am trying to be pro-active instead of re-active. As previously stated, I am seriously concerned for the future of my home loan. I still can not sign onto the website and when trying to talk with tech support I was on hold for an hour before anyone picked up.
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| 09/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I called PHH Mortgage Services, my mortgage servicer, on XX/XX/XXXX requesting to cancel my PMI since I am at 79 % on my loan to original loan value. They stated that they would send me the packet for cancelling PMI and it would be received at my house within 7 to 10 business days. As of XX/XX/XXXX ( 14 business days after my call ), I have still not received my packet. This is the second time I have tried to cancel PMI and both times they have slow played the process and used sketchy business practices to keep their PMI proceeds coming in. The first time was in the summer of XX/XX/XXXX. We purchased our house with 10 % down and then completed approximately {$40000.00} worth of renovations to the kitchen and flooring of our home that we purchased for {$180000.00}. In addition, the approved appraisal of our property used to close our mortgage loan in XX/XX/XXXX was for {$230000.00}. After 2 years of on-time payments, I followed the process to remove PMI based on the argument that the money we had put into the house plus the equity we started with according to the appraisal they approved at closing brought us below 80 % of the home 's value. As part of the process, we were required to allow an appraiser that they selected value our house to ensure that our loan balance was less than 80 % of the home 's value. Shockingly, the appraiser they selected determined that our house had gone down in value from {$230000.00} at closing in XX/XX/XXXX to {$200000.00} in the summer of XX/XX/XXXX even after we put {$40000.00} into renovations. The number that their appraiser came up with was mysteriously about {$4000.00} less than the value we needed for the home to be able to cancel PMI. I sent in a detailed report stating why I believed that his value of our home was incorrect and I was denied any kind of serious follow up from the mortgage servicer. PHH mortgage is clearly trying to use every trick in the books in order to keep their precious high margin PMI in place.
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| 05/08/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Loan # XXXX XXXX and XXXX XXXX Property : XXXX XXXX XXXX, XXXX XXXX , FL XXXX We've tried to get information from the original modification loan contract that would confirm we have to pay late fees accumulated prior to the modification loan contract. But to date, no one has provided us with contract language advising we would have to pay those late fees that were accumulated prior to the modification loan in XXXX.
Since doing a new contract in order to keep my home in XXXX of XXXX, I have been transferred to different Mortgage Companies multiple times. Once again our current mortgage company, XXXX XXXX XXXX, has stated it has joined forces with PHH Mortgage Services and they are consolidating all mortgage accounts into one company, PHH Mortgage Services ( " PHH '' ), effective XX/XX/XXXX. They are also, once again trying to charge me for late fee incurred prior to this Making Home Affordable loan in XXXX.
To date, none of the mortgage providers have provided anything written in the XXXX Making Home Affordable loan stating I have to pay these fees. ( It was the whole reason we were giving up our home, because we could not pay all of the fees and high mortgage payment. ) This Company is now apparently, threatening to add accrued interest, after 10 years of consistently not providing any evidence that I owe these fees after the new loan was processed in XXXX.
We approached them about this after the attached documents were received, but again they sent old print outs from before XXXX 's loan and did not produce contract language saying we were responsible for the fees in the new loan of XXXX.
Please have them either produce the contract language advising we would have to pay the late fees accrued prior to the XXXX new loan, or get them to stop harassing us with fees that no longer apply to our new loan.
We are not of an age or the kind of health that allows us to come up with such an amount in a months notice. Thank You so much for your Help!
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| 01/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is the second complaint Ive filed with this agency. My original complaint # XXXX was closed after one response from PHH Mortgage. The company explained that they had made an error by not posting my mortgage within the 24 hour period in which they received it. Since the date of PHH Mortgage response, a second mortgage payment was sent by me via the XXXX priority 2 day mail. I have the receipt showing PHH Mortgage received the payment on XX/XX/XXXX. Once again PHH failed to post this payment until XX/XX/XXXX.. I reiterate my original complaint that this is not an isolated incident with PHH Mortgage. I would like another explanation from PHH Mortgage. I am also asking that this agency leave this complaint open. Im having difficulty believing mine is an isolated occurrence with PHH Mortgage. It is also XX/XX/XXXX and I have yet to receive my interest statement from PHH Mortgage for tax purposes. It is my understanding that mortgage companies are required to send consumers the interest statement by XX/XX/XXXX of each year. I had the same problem with PHH in XX/XX/. I finally had to contact the company to request a copy of my interest statement. That of course caused an additional seven day delay to my being able to file yearly taxes. The same is occurring this year.PHH Mortgage fails greatly when it comes to legal requirements set forth by the state of Illinois and the government in general. Please contact me if copies of all my receipts are needed for verification of my complaints. If this agency is not able to help legally with these allegations I would like some direction as to my next step. PHH has yet to correct the dates of my mortgage payments on my credit report. PHH Mortgage does not allow a consumer to make a late mortgage payment via their website. PHH Mortgage does not allow a consumer to make a late mortgage payment via the phone. The consumer is at the disposal of PHH posting the payments as PHH Mortgage sees fit to do so.
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| 12/10/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I contacted PHH Mortgage on XXXX to cancel my FlexPay agreement as I was refinancing my loan, which was scheduled to close XX/XX/XXXX. On XX/XX/2016 PHH processed my XX/XX/XXXX FlexPay Payment anyway, which not only put my account in jeopardy of being overdrawn and required me to take out a payday loan, but when I called to dispute the charge, I was told that they had no record of me rescinding my FlexPay ( but yet, they somehow knew about the upcoming refinance ) and said they could not refund my money without a letter requesting reimbursement and a copy of my bank statement showing the payment had cleared my bank, and then it would take up to 10 days to " process '' a check. They refused to electronically credit my account even though they electronically debited my account, and they were reluctant to overnight a refund but agreed they would upon receipt of my request for reimbursement. I sent my letter and bank statement to the fax number PHH provided to me on XX/XX/2016. I attempted to call and check on the status of my fax on XX/XX/2016 and was disconnected and then conveniently when I attempted to call again I was placed on eternal hold and then received a recording telling me they were now closed. Today, I emailed PHH demanding status and action, as they continue to be unresponsive, but have no confidence despite my growing frustration and demands, that they will attempt to correct their mistake with any sense of urgency. My refinance has since closed and the original loan has been paid in full as of XX/XX/2016, which means, in addition to the unauthorized debit to my account on XX/XX/2016, there is now an over-payment on my account that PHH has not processed. As a last resort, I have filed a dispute with my bank, and am filing this complaint in an effort to get some action or response from PHH so that my account and the extreme financial hardship and burden this deduction has placed on me and my family, can be promptly resolved.
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| 04/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I over-pay my mortgage every month by 50-100 dollars. The payments are made automatically, electronically and for the last 5+ years I did not even receive invoices from PHH Mortgage.
Last XX/XX/XXXX an increase in property tax created a one time increase in my payment. I did not receive a notice until ~8 month later when I got a late payment notice for XXXX dollars. I called PHH and they informed me that because of the increase in XX/XX/XXXX I had been charged a ~115 late fee each month for the last few months. I escalated the issue several times and was told I would be contacted by an adjuster. I also asked to start receiving paper invoices.
A few weeks later I received a letter saying that if I payed XXXX, the matter would be closed. I send in the exact amount.
XX/XX/XXXX I received my invoice and found that my monthly payment was XXXX, over my usual XXXX, looking closer, I was being charged a late fee of {$110.00} again!
I called PHH and they informed me that even though my payment of XXXX was received and that they negotiated it, I did not include the pay stub with the payment ... so they didn't realize the XXXX was going towards the XXXX in late fees, so the applied the XXXX toward to XXXX, which caused me to have an outstanding balance and additional late fees - that they refused to reverse.
I informed PHH that I would like direct withdrawl of funds because I thought they were intentionally making it easy to get charge fees. They told me I needed to send in a void check and wait 2 weeks or I could go and signup online. I tried to log into my account, couldn't, called them back ... they informed me that they delete all online accounts after 1 year of inactivity. Again, harder to get information and pay ... So I had to re-register and finally get signed up for automatic payment.
In sum, I had to pay over XXXX in late fees and I don't even know what I lost in interest or principle in how they dealt with my payments.
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| 03/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. For about 20 years, my wife has had an adjustable rate mortgage on this house, first with XXXX XXXX and, since the fall of XX/XX/2016, with PHH Mortgage Services ( XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX, tel : XXXX ). During all this time, the house and mortgage were under my wife 's former name : XXXX XXXX XXXX. Any discussions regarding the mortgage could only be undertaken by her, despite our having married in XXXX.
XXXX and I entered into a 30-year fixed-term mortgage with XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX, with mortgage and title in both of our names. We terminated my wife 's old mortgage ( loan # XXXX ) at that time. All the necessary fees and closing costs were paid out at that time. PHH Morgage Services paid XXXX XXXX {$6100.00} in property taxes on my wife 's behalf in XX/XX/XXXX. They paid us a balance of {$1400.00} out of the escrow account held in XXXX XXXX XXXX name early in XX/XX/XXXX..I have not yet cashed their check for {$1400.00}.
The error occurred when we discovered from our tax accountant and from the XXXX XXXX Tax Collector that a double payment of of an extra {$6100.00} was paid to XXXX XXXX in error. The second property tax payment is not due until XXXX of this year. My wife has made numerous phone calls to PHH so that we can receive this over-payment of {$6100.00}. The conversations have been extremely difficult ; the people at PHH do not want to acknowledge and quickly correct the error. Their attitude is ignorance, as if they are hearing about our problem for the first time. They have subjected us to endless delays, and we have no confidence in their willingness to refund us our money. any time soon.
Thank you very much for interceding with PHH Mortgage Services on our behalf so that we can obtain prompt and full satisfaction in this matter.
Most sincerely yours, XXXX and XXXX XXXX cell : XXXX e-mail : XXXX XXXX
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| 11/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage underpaid our property taxes by {$1300.00} and we had a lien on our house as a result of their failure to pay the City our taxes. I would like PHH to allow us to close our escrow account and let us pay our own city taxes and homeowners insurance.
After hours of phone calls they over-nighted the difference in payment on XX/XX/XXXX to the city and the lien was removed from our house. Since then they have charged us random amounts each month to make up for the low escrow balance and have been putting the majority of our monthly payments to escrow and not to our principal and interest. Since their initial mistake, the average breakdown of our payment each month has been 54 % to escrow, 30 % to interest, and only 16 % to the principal.
We transferred money into the escrow account in order to have our contributions to principal and interest go back to a reasonable rate. They have recently refunded this " overage '' in our escrow, making it so we would again be short for our city taxes this upcoming year. On XX/XX/XXXX we requested by phone the paperwork to close the escrow account so we can pay our own city taxes and homeowners insurance. We never received the paperwork and called again on XX/XX/XXXX and they said they sent a letter indicating that we are not eligible to close our escrow account. We did not receive this letter, although we have had other correspondence from them. The customer service representative we spoke with did not know why we would not be eligible to close our escrow account. We have paid off 44 % of our loan.
If they can not pay our taxes or estimate our escrow correctly and the majority of our payment goes to fund our escrow account, rather than principal and interest, we will be paying more in interest than we should be paying, especially over the life of the loan.
I would like PHH to allow us to close our escrow account so we can pay our own city taxes and homeowners insurance.
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| 12/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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We have previous complaints regarding this mortgage with PHH. I saw a response from PHH that listed a XXXX as a contact person. We had never been referred to XXXX through this process. Icalled XXXX on XX/XX/2016 and explained our situation. He toild me he was the supervisor in charge of all of PHH 's loan modifications. He said he would look into our issues and get back to me in a few days. I had not heard from XXXX so I called him on @ XXXX PST XX/XX/2016 and he told me that he was working on our loan modification and would have it finalized in a couple of days. He said he would reinstate our loan modifications and that we would have to bring the payments current from XX/XX/2016 to present. I said that would be fine. XXXX is when PHH stopped accepting our payments. XXXX would have been the first regular payment after the trial period. They had accepted two trial payments and the first was accepted by XXXX the previous servicer. XXXX told me that he would get back to us with the paperwork soon to get this resolved.
Not hearing from him I called on XX/XX/2016 and left him a message asking about our loan. After no response I called XX/XX/2016 @ XXXX PST and left him a message asking about our loan and asked for a call back again. I called XX/XX/2016 again left a message to call me back please. After no response I called again XX/XX/2016 @ XXXX PST and again left a message to please call. With again no response I called this morning XX/XX/2016 and left a message to please call me. We feel we have no choice but to make another complaint. After the encouragement we we received from XXXX from our initial contact with him we are very distressed in the fact that we have not heard from him again for over 3 weeks.
Phh should have stopped reporting negatively to credit agencies as of XX/XX/2016. They are still reporting negatively to credit agencies and this is negatively affecting our life in many ways other than economic.
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| 02/23/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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To Whom it may concern, My name is XXXX XXXX and I am contacting you regarding an issue that I have been having with PHH Mortgage Corporation. My loan number is XXXX. I have recently recieved a forclosure summons from PHH Mortgage Corporation. I have been making my payments, however, PHH Mortgage Corporation is claiming that I have been in default of my mortgage since XX/XX/XXXX. PHH has been rejecting my payments since XX/XX/XXXX for no explanation and without my knowledge. I am attaching a link that contains a record of my bank statements from XX/XX/XXXX to the present date, supporting the fact that I have indeed been making my mortgage payments. Also, PHH Mortgage Corporation is claiming that I owe {$24000.00}, however they only refunded a total of {$15000.00} to me.
XXXX My payment history according to my bank statements is as follows : XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for payment due for XXXX XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for the months of XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me without my knowledge. In XXXX, XXXX my monthly mortgage payment decreased to {$3000.00}.
XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX, an XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me again without my knowledge.
XXXX XXXX, XXXX I paid {$3000.00} XXXX XXXX, XXXX {$3000.00} was refunded to me again without my knowledge.
On XXXX XXXX, XXXX I was served a forclosure summons. According to my records I have been falsely placed into forclosure of my home by PHH Mortgage Corporation. In conclusion, I would kindly appreciate an investigation to be done so that this matter can be concluded in a timely manner. Thank you for your time and consideration.
Sincerely, XXXX XXXX
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| 11/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2018, my intent was to pay off my mortgage with PHH Mortgage. I could not wire funds as my bank was in New York State and I was told I had to come into the office in NY and I am in Florida. I decided to do an e-check for the principal balance, and a follow-up e-check for the remaining daily interest and {$10.00} recording fee. Both payments were put into a suspense account by PHH on XX/XX/XXXX and XX/XX/XXXX respectively. They told me they needed 10 business days because the funds were not certified. Payoff figures were for XX/XX/18. I was told by TWO customer service reps that my property taxes ( due XX/XX/XXXX to avoid paying additional tax ) would NOT be paid because of the payoff intent, and that the escrow was frozen. I didn't think this was appropriate as they were not going to post my payments until close to when the tax bill was due ( with discounts ). I waited until XX/XX/XXXX, and processed an e-check for {$7.00}, xxx.xx from my bank to XXXX County Tax Collector in Florida. Today, PHH states that they sent a bulk check on XX/XX/XXXX to XXXX County for the same amount to pay my taxes. PHH says if they were to request the funds back, it would take FOUR MONTHS for me to get my monies back. ( I still have about {$1900.00} left in escrow as well, which they tell me would take about 3 weeks to receive the refund ). I then called XXXX County, and they said they have not yet processed the bulk payment, and would probably do so either XX/XX/XXXX or XX/XX/XXXX. Even though I told them I already paid, and that my mortgage will be paid off today ( they are to apply the suspense payments today to full pay the account ), they refuse to send me the overpayment, and state that it must go back to the payer ( PHH ). XXXX County says it could take 4-6 weeks for the monies to be sent back to PHH. I don't think I should have to wait four months for my money. I am very upset about this.
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| 02/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Name on Mortgage : XXXX XXXX ( XXXX XXXX XXXX ) Name on deed : XXXX XXXX XXXX Mortgage Holder : PHH Mortgage, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Loan Number : XXXX First Payment Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Unpaid Late Charges : {$0.00} On XX/XX/XXXX I received a monthly mortgage statement demanding payment by XX/XX/XXXX for my monthly mortgage amount. This statement was the first statement that I have received in 7 years. I have paid my mortgage electronically from the same bank since the inception of the loan in XX/XX/XXXX. Ergo, there have been no late payments during the life of the loan. When I called the number on the statement I spoke to XXXX, XXXX Agent in the XXXX. He kept on saying many times that he had no record of any of my payments and that I would have to go to my bank and make arrangements to set up automatic payments if that is what I wanted to do. He could not offer any other solution to the discrepancy. I have computer documentation from my bank and PHH mortgage showing that I have fully complied with the payment provision of my loan through the XX/XX/XXXX. This morning I have a print out of my latest bank statement showing my XX/XX/XXXX payment cleared and was collected by PHH Mortgage. When I checked my account with PHH, when I log in it says : You do not have any account associated with your profile. This incident is the most current of a whole litany of unpleasant experiences with PHH Mortgage over the past 7 years.
I am in the process of refinancing my loan with XXXX XXXX and I view the latest actions by PHH mortgage as nothing but harassment to help them retain a good paying customer. I am concerned the PHH Mortgage will jeopardize my refinance application and may also start charging me late fees and ruin my sterling credit rating. Anything that you could do to mitigate the impending situation would be greatly appreciated.
XXXX XXXX
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| 06/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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From the duration of my loan it appears I have had my consumer rights denied. At the formation being promised a lower rate, then getting a rate almost two percent higher. There was also the fact the lender 's attorney was also the title insurance agent. While, even now I have learned about the right to rescind forms that never were given to me. As the loan progressed with the servicer PHH there were countless payments that seem to have went accounted for, higher payments than were stated at the beginning, and a seemly vast array of stipulations that came with payments being claimed. During the years 0f 2008 I lost my employment and struggled like many other Americans. I had attempting modifications from the beginning of my financial hardships and admittedly have went into foreclosure and bankruptcy. Currently, I am in foreclosure once again, yet honestly I have learned that the violation of regulations and law that my servicer appears to be violating is almost unbelievable. I begin my dream of home ownership with a XXXX fixed rate loan that through modification has become over XXXX dollar loan. I have figured it out through pay stubs, bank withdraws, and other written documentation that I have paid over XXXX plus dollars over the last 9 years on the loan ; however, in foreclosure now they are claiming the full XXXX. My family and I have paid numerous payments at a time and spent hours trying to handle our obligations ; still all the while meeting the sometimes ridiculous requests of our mortgage servicer. Due to the rural county in which I live legal assistance that is afforded many in my state of Illinois is not obtaining for me. I decided due to the servicer never seemly to work with me, even endorsing my money orders then sending them back after they already begun foreclosure ( Done this more than once ), that without supervised modification assistance it will be a moot point.
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| 11/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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DURING XX/XX/XXXX I HAVE MADE ( OFFERED ) ONE PAYMENT OF {$1500.00}. - SEVEN PAYMENTS OF {$1400.00}. AND ONE CASHIERS CHECK OF {$2900.00} TO PHH MORTGAGE. THESE AMOUNTS TOTAL {$14000.00}.
PHH MORTGAGE IS PURPOSEFULLY MANIPULATING AND REJECTING PAYMENTS MADE TO THEM. EXAMPLE, IN XX/XX/XXXX I MADE A {$1500.00}. PAYMENT TO PHH MORTGAGE AGAINST A REQUIRED AMOUNT OF {$1300.00} PAYING IN {$130.00} EXTRA. IN XX/XX/XXXX PHH BILLED A {$120.00} ESCROW SHORTAGE ( SEE XX/XX/XXXX/17 PHH LETTER ). I NEVER RECEIVED THIS BILLING. IN XX/XX/XXXX PHH REJECTED MY {$1400.00} MONTHLY PAYMENT AS IT DID NOT COVER THE {$120.00} ESCROW BILLING AND THE REQUIRED {$1300.00} AMOUNTS THEY WANTED. THEY RETURNED 4 OF THE NEXT 5 PAYMENTS. THE XX/XX/XXXX THEY KEPT BUT IT DOES NOT SHOW ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '' THEY REPORTED FALSE INFORMATION TO THE CREDIT BUREAUS SEVERELY DAMAGING BOTH MINE AND MY EXWIFE 'S CREDIT RATING. THEY HAVE PURPOSEFULLY DID THIS TO US AND ACCORDING TO MY REALTOR AGENTS HAVE DID THIS AND WORSE TO OTHERS.
I REQUEST AN IN DEPTH ACCOUNTING OF PHH MORTGAGE AND ITS UNFAIR TACTICS. THEY DID NOT APPLY MY XX/XX/XXXX PAYMENT ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT ''. NOR DID THEY RETURN THIS PAYMENT TO ME LIKE THEY DID WITH 4 OTHER MONTHLY PAYMENTS MADE TO THEM. I SOLD THE PROPERTY AND PHH TOOK {$120000.00} OF THE PROCEEDS AGAINST A BALANCE OF {$110000.00} SHOWING OWED ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '', A DIFFERENCE OF {$2200.00}.
I WANT PHH TO 1. RETURN MY {$1400.00}. THEY HAVE NOT APPLIED TO MY LOAN. 2. RETURN THE {$2200.00} THAT WAS MORE THAN THE AMOUNT PHH TOLD ME AND THEIR " CUSTOMER ACCOUNT ACTVITY STATEMENT '' INDICATED WAS DUE. 3. ALL LATE FEES AND OTHER MALARKY NEEDS TO BE REPAID. 4 MOST, IMPORTANTLY PHH MORTGAGE NEEDS TO CORRECT CREDIT BUREAU INFORMATION ON BOTH MY EX-WIFE AND MYSELF, AND PROVIDE PROOF OF DOING SO.
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| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage Services took over my loan in XXXX XXXX . I have an escrow account set up with them with the expectation that they would pay all of my property taxes as my previous loan servicing company did. My payments for my home have remained the same since I bought my house over 2 years ago. In XXXX XXXX I received a delinquent tax bill from my XXXX district in the amount of {$3400.00}. I immediately alerted PHH Mo rtgage to the situation and they paid the late tax bill. However, on XXXX XXXX XXXX I received an escrow reanalysis that states that due to their oversight, I must either pay them {$4900.00} or my monthly payment will increase by {$410.00}. Neither of those are viable options for me. I also no longer trust their ability to properly service my tax/insurance money and requested to have my escrow account removed so I can make sure my taxes get paid in a timely manner from now on. They agreed to remove my escrow account but only if I pay a {$420.00} escrow waiver fee. I do not feel it is right for them to charge me to monitor my ability to pay my taxes when clearly they ca n't even take care of their own business. I brought this to their attention and was told they would not waive the {$420.00} escrow waiver fee, sightin g it 's in the loan documents ( which I never signed with them ). I am pretty sure those same documents state th ey have the duty to pay my taxes in a timely manner. Their mistake is causing an undue financial hardship for me. I now have 7 months to come up with a years worth of taxes. I feel I should have the money I have contributed to my escrow account so far this year ( approximately {$3500.00} ) refunded to me, however, all I have requested from them is to have the {$420.00} escrow waiver fee removed. They refuse to work with me on this and are unwilling to accept responsibility for their mistake.
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| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Our mortgage was recently purchased by PHH Mortgage. Our normal payment is XXXX. We set up direct deposit last month giving PHH permission to take out that amount each month for our mortgage payment. This morning the withdrew {$3700.00} without our permission. We spoke to their " customer service '' and they could n't figure out why they would take out this amount. Luckily for us, our bank ( XXXX ) has since disputed the amount and refunded our account. There are a few issues : 1. The scariest being, they were not authorized to take that amount out of our checking account. This is fraud and what I would consider illegal practices. There is no reason this should ever happen.
2. The fact no one can answer us as to why this was taken out. The only thing we can think of is, they billed us for our whole Escrow account on top of our mortgage. They have only owned our mortgage since XX/XX/XXXX and our escrow account has always been up to date.
3. The lack of good customer support. We 've been transferred 4 times and they admitted it was their issue and they would need to refund us. The then asked if they could just apply that overage to our next month mortgage payment. Their solution was to do what is easier for them. When we said no way they told us the turn around time to get someone to look at it would be next Wednesday- 6 days from today. Plus that 's to look at the problem, not refund us. This is n't XXXX dollars we 're talking about, it 's {$2000.00}.
4. Lastly, their best solution was for us to handle it with the bank and have us dispute the charge. Luckily XXXX is great to work with, but that 's an unacceptable answer. We also, per XXXX 's recommendation, have to close our checking account and start a new one since they could still have that information even though we canceled direct deposit We are refinancing just to get away from this company.
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| 07/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I received many calls from PHH mortgage, offering me a reduced interest rate ( from 5.97 to 4.19 ) and a reduced premium over approx remaining period ( from {$1900.00} to {$1400.00} ) I closed on XXXX XXXX, 2017 and my first payment of {$1400.00} on XXXX XXXX, 2017. In mid XXXX I received a letter from PHH that due to escrow shortage my XXXX payment would be {$1800.00}. This unplanned amount was debited to my bank account on XXXX XXXX,2017. I am retired and on a fixed income so I had to rearrange my finances to cover this overage.
I called my loan officer, XXXX XXXX, who showed absolutely any interest in my dilemma but referred me to the escrow department. After spending over 20 minutes with the escrow representative, I was unable to get an explanation for the increase. I however questioned a item on the escrow statement that said escrow refund. The rep. then put me on hold to investigate. After about 5 minutes on hold, the phone mysteriously disconnected. I again left a message for the loan rep. No response. I started investigating my options.
Then in mid XXXX, I again got a letter from PHH that due to escrow shortage, my XX/XX/XXXXpayment will be {$2400.00}. In less than 90 days from closing my monthly mortgage payment has increased almost {$1000.00}.
Again, I contacted the escrow dept and again after some time on the phone I was put on hold and the line disconnected again when the escrow refund was mentioned. This seems to be a business practice of PHH. I am in a worst position now than when PHH offered me this relief.
I was informed at closing that my projected escrow shortage was {$15.00} PHH has had my mortgage for over the last 10 years and my taxes have not gone up. Actually they decreased over the last two years. My insurance has remained the same so I ca n't understand these escrow problems and can not get an explanation from PHH.
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| 10/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We did not receive notification that our escrow amount had been recalculated due to changes in local tax rates, etc. so our XXXX 2015 payment made XXXX XXXX, 2015 was {$140.00} below the new amount. After receiving a phone call from the company 's debt collection department on XXXX/XXXX/15 we promptly sent out the additional {$140.00} we owed via bill pay through our bank. We called to confirm receipt on XXXX/XXXX/15 and were assured that the problem had been corrected. We continued to receive debt collection calls on XXXX/XXXX/15 and XXXX/XXXX/15 despite believing that our account had been made current. During the call on XXXX/XXXX/15 it was determined that our original XX/XX/XXXX payment for the incorrect, too low amount had been applied to principle and our account continued to show that we needed to pay again to be current. The customer service agents said that they would submit a request to have the prior payment applied correctly for the XX/XX/XXXX monthly payment instead of principle and we were given a timeframe of 7-10 days for the process to be completed. On XXXX/XXXX/15 we received a letter in the mail dated XXXX/XXXX/15 stating that our account continues to be past due and that we would be reported to credit bureaus if we do not pay the outstanding balances immediately. Representatives from the customer service department on XXXX/XXXX/15 stated that the letter was sent due to the erroneously applied XX/XX/XXXX payment and that the timeframe for reversal of the payment and correction of the issue would now be 35 business days. They could not provide an explanation of why the new time frame was so different from the previous time frame. They state on the phone that we will not be charged late fees or have negative reports on our credit report, but we have no documentation of this or real assurance that this will actually be fixed.
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| 02/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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I am submitting this Complaint against PHH Mortgage. I sought to refinance my mortgage loan, which they declined after XXXX months of giving me the runaround.
First, the process extended for approximately XXXX ( XXXX ) months, as they continued to lose documents and request that I send the same documents over and over again. Second, I believe that because the interest rates have risen over the last XXXX months, following the XXXX interest rate increase, PHH improperly denied my application so that the company would not have to stand by the lock in rate that had been guaranteed.
In the meantime, I have lost the ability to refinance at the lower interest rates and have been harmed by their conduct.
I initially applied for a refinance loan in XX/XX/XXXX. I sought to finance {$230000.00} XXXX taking {$20000.00} in cash ). They had an appraisal done in XX/XX/XXXX, which came back at {$710000.00}.
In XX/XX/XXXX I sent back the whole packet with all the paperwork requested. Then there were constant requests for more paperwork, more tax papers, etc. and I constantly had to re-send the same papers over and over that were overlooked or lost. This continued for approximately XXXX months. Over the last few weeks, the underwriters came back with request for more paperwork and documents.
It appears that some of the considerations and reasons indicated by the underwriters are improper. First, the underwriter notes that my income is XXXX XXXX. Under XXXX XXXX and XXXX XXXX, creditors are supposed to consider XXXX XXXX income and not discount it.
Second, although Regulation XXXX states that creditors should consider XXXX years of employment, PHH seemed to require that I worked at the same place for XXXX years. That is not appropriate.
I have been harmed by the delays and the eventual wrongful denial by PHH and seek to be made whole.
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| 09/28/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I started making extra principle payments to my mortgage company ( Coldwell Banker Mortgage ). I noticed they were not being applied to the principle and instead were being held and applied to the next regular mortgage payment. For example : I paid my XX/XX/XXXX payment, I then two weeks later sent another payment this payment was held and applied to my XX/XX/XXXX payment, then when I paid my XX/XX/XXXX payment they held it and applied it to XX/XX/XXXX. Upon noticing this I contacted my lender to get the principle payments corrected. My lender said they would fix the issue. I had 4 payments that were incorrectly applied ( for a total of {$19000.00} ). I contacted the company on XX/XX/XXXX. They said everything would be fixed within 7-10 business days. I checked on XX/XX/XXXX and only two had been corrected. I contacted the company again ( on XX/XX/XXXX ) as it had been past the 10 days to find out what happened. I was again promised that everything would be fixed but that it would take 7-10 business days. I informed them that this was not acceptable since I had already call on this and they had not fixed it. I was promised by the lender that they would get it fixed and that they were putting in a " ticket to get it fixed quicker ''. I again checked on XX/XX/XXXX and still it is not fixed. I again called the company who told me " it takes time to process, but it has been submitted ''. I checked again today XX/XX/XXXX and it still is not fixed. Right now the company is holding {$4800.00} that should be applied to principle during XX/XX/XXXX and XX/XX/XXXX, and instead telling me I do n't own my mortgage until XX/XX/XXXX which is not what I want. What makes this extra frustrating is that I am currently XXXX, so I have to call in the middle of the night to be able to reach the company during their " normal business '' hours.
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| 05/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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In XX/XX/2019, I spoke to XXXX XXXX XXXX with regard to lowering my mortgage payment and escrowing my real estate taxes. I sent them a letter of request asking them to advise me after a payment of {$180000.00} what my new monthly payment would be for the remainder of the original loan terms.
I received a response that after receipt of the lump sum payment my mortgage payment would be around {$340.00} a month but since I have always paid my real estate taxes separately they would not be able to calculate a monthly payment with taxes included. I called XXXX to advise that I would be sending {$170000.00} on XX/XX/XXXX and the agent advised me that the loan would recast and XX/XX/XXXX statement would reflect the new lower payment amount due.
On XX/XX/2019 I scheduled my XX/XX/XXXX mortgage payment with a lump sum payment of {$170000.00}. After a week I noticed that the check had not been cashed. I called XXXX to investigate and was advised that the new servicer would be PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The following day I received a letter in the mail with the new servicers information.
On XX/XX/2019, I called PHH to see what the XX/XX/XXXX payment would be they advised me the new payment would remain the same and that in order to recast with them I would need to apply, pay a {$300.00} application but there was no guarantee it would be approved, however, if denied I would receive the {$300.00} application fee back.
As a consumer I feel that I am being robbed of an exorbitant amount of money and requesting assistance in this matter. This was done to lower expenses since my income has changed because my spouse is currently battling XXXX. Now in addition to the fear of that loss I fear losing my home as well. If they were not going to honor the XXXX agreement they should not have cashed the check.
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| 09/01/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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My credit was destroyed by my mortgage company. I have tried to dispute the incorrect I formation online. It started XX/XX/XXXX. I started to fall behind due to divorce, and no help from ex spouse. I was 2 months behind XX/XX/XXXX, went to make the full payment and they sent it to the lawyers. I called their lawyers and they refused payment. They said I had now to do a modification. I told them I did n't need one. They said it was too late and there was nothing I could do. Then I fought with this company for over 6 months doing this modification. My point of contact by email would never respond. I would scan and send all the requested documents. Then weeks would go by with no replys. They would then say my information was outdated and make me do it again. I was served foreclosure papers in the meantime of this mess. Went to court twice, with all of my documents. I started forwardingredients their lawyer everything I sent them as proof I was doing it. This just dragged on. They finally completed their what I feel was a huge scam. I owed close to what the original loan amount was after 9 years of payments. My loan amount was {$82000.00} in XX/XX/XXXX, i owe {$77000.00} now XX/XX/XXXX..HOW?? They just " applied '' over {$1000.00} credit to the account from a review of this mess. Never with any calculations as to how this came about. PHH had a lawsuit against them filed in NJ that I called to join, but was n't returned. It was for the SAME issue. They were told to settle with clients they have done that to. Please help fix my credit. Thank you kindly! This company has not handled themselves in a law obeying manner. Looking back I should have done more to fight. But I was so consumed with the kids after the divorce, and myself an XXXX Veteran who has not faired well since I returned home in XX/XX/XXXX. Thank you again.
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| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My husband has had some very significant health issues during the last few years with XXXX XXXX and XXXX dramatically reducing our household income. I also had to take a considerable amount of time off to tend to his needs. During this time frame we fell behind on our mortgage payments and reached out to PHH Mortgage for assistance. However, instead of helping us, they took us through their loss mitigation process and denied us for mortgage assistance because we were had two car payments. We can not believe that they would turn us down for help without allowing us the opportunity to refinance or pay off our vehicles. We now have a foreclosure sale date on our house scheduled for XX/XX/XXXX and it appears that we will be homeless. We are too old to start our lives over and the house is set up perfectly for my husband. He would be very disorientated if we had to move into an apartment or with family. We have plenty of money to afford a reasonable mortgage payment, but we do not believe we can get PHH Mortgage to treat us fairly. We have never had a single point of contact that we could speak to, as they are never available and are constantly changing. We never understood how we paid our mortgage on time since XXXX and everything was good, but when my husband and I hit a financial blip in the road, PHH Mortgage turned their back on us. Our financial situation has been resolved and we are back on solid financial ground. We should have contacted you sooner to get help in dealing with PHH Mortgage and am hoping it is not too late. We just feel that PHH Mortgage has not followed proper protocol in reviewing our loan and are rushing to foreclosure on us. This is all avoidable as we have sufficient income to afford a reasonable payment and we do qualify for assistance based on our government guidelines.
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| 03/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I purchased a home in XXXX for {$360000.00} and believe I might be the victim of a predatory loan. The loan term was set up to be " interest only '', so making the monthly payments was not an issue in the beginning. I planned on selling the home when the value of the property increased, however, that never happened and the property value dropped significantly ; I became " underwater '' in my mortgage.
I became XXXX a few years ago and my loan switched to non-interest only my house payment nearly quadrupled. PHH Mortgage was in no way willing to help me avoid foreclosure when I started falling behind on my payments. After much frustration I was able to get assistance from a government approved mortgage counselor in order to stay in my home and make the payments for a year.
Unfortunately the assistance in which I was receiving from the mortgage counseling service has ended leaving me to fend for myself with PHH Mortgage. I've tried repeatedly to talk with someone at PHH Mortgage about a loan modification and they refuse to call me back or give me any type of assistance as a customer. I've called them no less than 15 times from XX/XX/XXXX - XX/XX/XXXX. They either put me on hold for hours until I finally give up or when I was able to speak with a person was told they could not help me and that someone else would call me back which they never once have done.
I'm in a dire situation and PHH Mortgage refuses to help. I'm desperate to get my loan modified so I can remain in my home and not become XXXX. I can not pay the unreasonable amount that PHH Mortgage expects due to their predatory lending practices, total disregard/lack of customer service, and my current circumstances. The bottom-line is that PHH Mortgage could care less how financially ruined a customer becomes due to their ignorance.
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| 02/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/XXXX we were informed by letter that XXXX XXXX XXXX had sold our mortgage to PHH Mortgage Services. We were given a new phone number and account number for our loan ( see attached letter. ) It is now XXXX. We owed less than {$7000.00} on the mortgage. XXXX had always been wonderful.
Immediately upon receiving the PHH letter on XX/XX/XXXX, I called to make sure that they would continue to take out our payment of {$400.00} automatically. We are paying extra each month to pay off the mortgage earlier. It took me 3 or 4 phone calls to get through their menu system and reach a person. I could only do that because I hit the button for beginning a new mortgage.I explained the issue and that we'd paid {$1000.00} recently. I was assured they would take money out automatically, just like before I explained we were trying to pay it off asap ; she seemed sympathetic and understanding about this.. My husband and I paid {$1000.00} extra in XXXX to XXXX before PHH took over. It was cashed XX/XX/XXXX.
On XXXX we received a letter that stated that their " records show that the account is currently paid ahead. The monthly payment that is automatically drafted from a designated financial institution will continue, however, please note that PHH will only begin drafting the monthly payment once the account is no longer paid ahead. '' We called on XX/XX/XXXX at XXXX XXXX upon realizing that they had NOT taken out the XXXX payment as promised. After 24 minutes, XXXX talked to someone who said we could only change the payment every month by changing the withdrawal amount. He was frustrated at their lack of help because they refused to take out the {$400.00} for XXXX ( as promised ) and thus we owe more in interest than we should. The phone call ended abruptly - all of a sudden the line went dead.
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| 01/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My loan was transferred to PHH Mortgage Services in XXXX. My first payment was due XXXX/XXXX/17 with this new loan servicing company. I have not received ANY paperwork from this company so I went on-line the end of XXXX to sign up for Auto Payments. On XXXX/XXXX/17 I contacted PHH to get my account number ( which is required to enroll ) and was told they could not provide over the phone but would fax me my account number, even though they had no fax number on file ; I provided my fax number. It never arrived and I left town on business. Upon returning on XXXX, I again contacted them and confirmed my fax number ( correcting the associate several times with mistakes she was making when I asked her to repeat the number ) - again, no fax received with my account number ... My most recent attempt was today XXXX and I explained to the customer service person that my fax was an electronic service ( eFax ) which will provide a history that they did or did not send ; she FINALLY faxed my account number which I received before hanging up with them. I was told that the only person that could waive fees was a manager which I was told would call me back in a few minutes. This never happened. Now, with only a couple of days before payment is due, Making my payment by mail will not arrive in time and I can only subscribe to auto pay starting in XXXX so I am being forced to pay a {$7.00} fee for processing my payment. This would not have been necessary if my paperwork was handled properly. It is my strong assertion that this company puts their customers in a situation of paying fees above/beyond what payment is due as a course of doing business. At this point, I am looking for a refund of the {$7.00} service fee that I was charged. Thank you in advance for your time reviewing my issue.
Regards, XXXX
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| 05/26/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I have applied for modification for my home several time in last 1 year. My leader had largely ignored my request. This time ( after sitting on my application for 2 months ) they finally responded to my request by asking me for some more paperwork. Which i provided to them on time and they acknowledged that they received it. Then, to my surprise they posted a notice of sale on my door. I called and remained them that they are in violation of the California Homeowners bill of right which clearly states that lenders are not allowed to double track foreclosure and a review for a modification. They said they will look into it. Next day I called to check on the status and they told me that I need XXXX more form. They emailed me the hardship affidavit form to fill out. I immediately completed the form and returned it to them. ( must remind you that this form was a very old 2009 hardship affidavit from which is not required any longer since the new RMA includes it. But, nevertheless, in sprit of cooperating and not wasting time to fight with them, I did as I asked to do ). Next day again, I called to check the status and they told me that they have closed the file and are moving to foreclose on my home. I again reminded them that I have done as they have asked and why did they close the file without review. They told me that they do n't want to work with me or help me and are going to foreclose.
How could they do that? I thought we lived in a country with laws. I feel that they are discriminating against me because I am XXXX and do not understating many financial matters and do not have financial ability to fight back. I fear that by filing this complaint thru you, they will further retaliate by pushing forward and foreclosing on my home making my children and I homeless. Please help me.
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| 02/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I attempted to pay-off mortgage after being a few months behind to close loan. On XX/XX/XXXX, I contacted PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX to inform them I was going to pay-off loan and requested a pay-off amount. At this time, PHH did not establish the fact that my home was in foreclosure. I was told that a loan pay-off request was made an that it would be emailed to me. I waited until XX/XX/XXXX to see if the pay-off statement would be received in my email and it had not. I contacted PHH again on XX/XX/XXXX and inquired as to where my pay-off statement was as I had not received it. The individual stated that it was in the system and entered another request for a pay-off statement. I had not received and contacted PHH again on XX/XX/XXXX and they said to wait 5 days. I contacted PHH again on XX/XX/XXXX after not receiving the pay-off statement and they stated it was in the system. Loan Number XXXX On XX/XX/XXXX, I received a letter from PHH dated XX/XX/XXXX stating my property was in foreclosure despite my attempts to completely pay-off mortgage loan on XX/XX/XXXX. I contacted PHH, XXXX XXXX - Tel. No. XXXX, XXXX, who is identified in the letter dated XX/XX/XXXX with the statement about being committed to working with me. She said that I would have to contact the PHH Collection firm who was assigned the case - XXXX, XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX, Tel ( XXXX ) XXXX.
Not much help from XXXX XXXX despite my attempts to pay off mortgage completely.
I have the impression that the passing of the loan to a collector is only to enrich the Collector and others and take advantage of a XXXX XXXX XXXX XXXX XXXX.
Please look into this provide some help as this is really uncalled for and disrespectful to a XXXX.
Thank You,
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| 05/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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We had a mortgage with a company named XXXX acct. # XXXX. We have an approved loan modification with them. They sold the mortgage to a company named PHH Mortgage. PHH is not accepting the loan modification. They sent us a check for the amount of our first trial payment to XXXX. XXXX cashed our check for the first payment.We are attaching a copy of that check as we have not deposited it as we are not accepting it. Why would XXXX cash our check for the payment then sell the mortgage and the new company not accept the terms of the modification. We have filed a complaint on XXXX # XXXX.We are now filing this complaint on PHH Mortgage . We are not acceptiong the check from PHH as we have an approved modification plan and have complied as the terms specified. We have sent our second payment to PHH as specified by XXXX. They still have not cashed our check which we have a signed receipt that they received it on XX/XX/2016. PHH Mortgage has sent numerous letters ( approx. XXXX letters ) of impending foreclosure, this is very stressful to say the least. It is harassment to spend as much on trying to straighten this out and get nowhere. I have many hours on this that I could be working to make money to pay the mortgage. CFPB guideline are being ignored in this. My wife 's health has been affected as well as mine. My business has suffered as I am spending hours on this. I the new PHH Mortgage account # XXXX. I am attaching the signed and approved loan modification, a copy of our check to XXXX for the first trial payment XX/XX/XXXX, a copy of our check to PHH Mortgage for our second trial payment due XX/XX/XXXX they received XX/XX/XXXX, letter from XXXX saying to make payments to PHH Mortgage which is also Mortgage Services I guess. Sending letters from PHH threatening foreclosure.
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| 10/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I received a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my Mother.
XXXX I was layed off and gotten sick could not pay make payments.
1. Being sued by PHH mortgage XXXX to foreclosure.
2. They have no assignment of mortgage.
3. PHH Lost Mortgage 4. PHH Lost Note 5. False statements at filing XXXX 6. Stating they are a govenment agency to the court ( PHH is not a govement agency ) 7. Having so far XXXX men try to break in with out a judges order and one broke in looking at me in my bed. Very dangerous threating actions to myself..
8. With me living in condo putting a notice on the door this is a vacant propery ( Lie ) PHH paid company then to brake in to change locks according to sheriff without judges orders.
9. Will not give me a payoff in a timely manor ( I had to accept offer to sell without knowing what the payoff was. ( XXXX XXXX ) 10. Would not allow any mortgage motifications just wanted me to short sale only. Just was offered that by PHH attorney today XXXX/XXXX/XXXX they will not correct attorney billing and fees. ( They just want the condo and will not let me sell it so far ) False filing in XXXX then in XXXX that is 13 years later after mortgage taken out filing a assignment without notice covering up.
10. Excessive attorney fees and me haveing to paying for men to threaten me ( very weird ) break in and threaten me?
Need your help possible HUD, RESPA, TRUTH IN LENDING VIOLATIONS, MORTGAGE FRAUD NO ASSIGNMENT FOR 13 YEARS, UNITED STATES COMMERCE ACT VIOLATIONS, BANKING VIOLATIONS, HARP WILL NOT LET US PARTISPATE, ELECT. FEDERAL VIOLATION FILING WITH LOCAL COURT, TRIAL DENIED, SELLING TO XXXX XXXX WITH FALSE DOCUMENTS ( NO ORIGINAL DOCUMENTS NO NOTE, NO MORTGAGE, NO ASSIGNMENT ) XXXX XXXX UNDERWRITING NON COMPLIANCE.
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| 05/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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I fell behind on my mortgage payments and contacted my mortgage company and asked to start a modification so I can get current on my payments. At that point I was only XXXX months behind and was looking for a repayment plan. I was asked to send in the modification package to my case manger. I did and was then referred to another case manager. The second case manager sent me a letter saying I had missing information. I mailed in the information, I called to check on it and was told I had a new case manager. That case manager sent me a letter saying there was information missing so I sent more information. I called to check on it and my case manger was on maternity leave.... Every time I called I had a new case manger or missing information. On XXXX XXXX I finally got confirmation on XXXX of my phone calls that a case manager was reviewing my information and would get back to me. So I waited. I called the case manger a few times and could not get through I just got a message saying she was out of the office and to dial XXXX to go to someone else. If I dialed XXXX it looped back to her voicemail I would call the main number and they would send me back to her voice mail. I finally asked to speak to a manager and got his voicemail but never got a call back. On XXXX XXXX and letter was mailed out to me. I did not receive it until XXXX. It was from the case manger that was on maternity leave. The letter said that I was missing a date and a tax form but it was to late to send the information. A sale date was put on my house and my case would no longer be reviewed. I called the lawyer associated to the foreclosure and asked for a reinstatement letter. The price was so high because they let this go on for so long that I was forced to file chapter XXXX to save my property.
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| 11/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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PHH has effectively kept us from obtaining a loan modification, for which our mortgage loan qualifies. We had always made our mortgage payments on time every month, but when I suffered an unforeseeable job loss, we saw that it was going to be impossible to stay current with our payments. We proactively contacted their Loss Mitigation Department, but were told there was nothing they could do because our loan was current. One of their representatives advised us to miss some mortgage payments and then they would be able to help us. Twice our loan was reviewed for workout options, but we were denied due to lack of sufficient income. Then we were given a forbearance agreement which we accepted and started making the payments. Unfortunately, Hurricane Irma came through and wrecked our home. We were forced to make repairs to ensure the home was livable and could not afford the mortgage payments. Our case manager from PHH told us that even though there was disaster relief allowed for missing mortgage payments, we still had to make our forbearance payments on time.
This was impossible and we had to stop making payments. We tried again for assistance, but were told that the could no longer review our mortgage for assistance options and we were shut out of help. Then we had to take matters into our own hands and the State of Florida approved us for the Hardest Hit Fund, but PHH rejected those funds because it did not cover the entire past due amount. However, we had the excess money to pay the deficiency, but the PHH representatives refused the money. This has left us high and dry and we are extremely upset and frustrated with PHH. They are sending our loan through the foreclosure process and we need help to keep our home. We are really hoping that you can help us.
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| 02/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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XXXX-18 : PHH Mortgage Services attempted to make a phone payment. in order to do this, they required I verbally record my voice agreeing to legal terms not on this company 's website - unreasonable tried to make payment on website - couldn't login. requested password reminder. after 16 minutes, received a reset. after 3 attempts it did not work and locked me out of my account. password requirements were excessive : " Your password should have 8-14 characters including at least 3 from the following character types : number, uppercase letter, lowercase letter, special character ; no more than 2 consecutive repeating characters ; can not contain your username, first or last name ; field is case sensitive. " tried to contact technical support. website said they were open until XXXX XXXX, called at XXXX XXXX. recorded answering machine said close at XXXX call back during regular business hours. incorrect hours listed on the company 's website.
can not make payment on time. got paid today. payment due today. I am blocked from paying this on time. I have been trying for over an hour. There is no way to make this payment after XXXX. I was at work until after XXXX.
Terrible company to work with. This is not the first time this has happened to me. This is my second complaint for similar problems. Last time, I received a letter from the President saying to use their other website : http : //homeloans.tiaa-cref.org. That site has as many problems if not more. I was also offered the ability to make phone payments at the discounted rate of {$7.00} a payment. Crooks!
I log into 10 websites a month to make payments. This is the only unethical company that blocks me again and again from being able to login, and then charges me for paying late.
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| 12/14/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I requested and received a mortgage payoff statement from Merrill Lynch. The instructions on the payoff letter noted payment could be made by cashier 's check or wire transfer from a bank. My bank ( Bank of America, which owns Merrill Lynch ) allows me to make wire transfers directly, using Bank of America 's website -- I am attaching the online wire transfer form I used, for reference. I transferred the full loan repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those funds for 13 days and then reversed the transfer, returning the funds to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the loan payoff funds and their returning those funds, Merrill Lynch charged me an additional month 's interest.
I spoke with a representative of Merrill Lynch 's mortgage division and also with her supervisor ( XXXX XXXX, who is based in the Merrill Lynch 's home branch in New Jersey ) and they could n't explain why my loan payment was reversed except to say that the " wire transfer '' mechanism indicated in the payoff letter was different from the " wire transfer '' mechanism ( so-called by Bank of America ) that I used. Merrill Lynch is part of the Bank of America Corporation. From a consumer perspective, I have no way of distinguishing why XXXX divisions of my own bank would define " wire transfer '' differently -- nor can I understand why I would be expected to distinguish between their evidently disparate uses of this term. Ultimately, I paid off my loan according to the instructions in the payoff letter and now I 'm being charged an additional 6 weeks of interest for no reason.
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| 10/18/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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My husband and I recently just got a loan modification through our mortgage company. Because we were struggling to make ends meet. And wanting to keep our home and not wanting to be foreclosed on so are mortgage company made us think that a loan modification is our only option and forced us into a ridiculously high numerous fees charges loan modification or we lose our home to foreclosure.. and this loan modification has put us in so much financial stress and it all started from our mortgage company and Ive already filed a complaint about this with our {$580.00} insurance premium that went missing back in 2015 that was supposed to be paid to XXXX XXXX.. We are getting nowhere with our loan through our mortgage company because our mortgage company doesnt want to work with their customers with American people that have families and that have lives and a mortgage company like I have my loan through does this to me and my family. And will not address any of my concerns regarding my loan or my loan modification agreement my escrow account my homeowners insurance anything that has to do with my loan from top to bottom my mortgage company will not address my concern at all. And so I now doing my own research know that this is not my only option to keep my home for myself and my husband and my kids and Im not going to stop until I get the justice we deserve weve been with this mortgage company for 10 years weve suffered for 10 years from day one with this mortgage company they are nothing but dirty crooks that dont care about American people.. this mortgage company uses fraud and kickbacks to get what they want from their customers loans. And I get no answers at all and Im not stopping until I get the justice that we deserve
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| 05/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/2019 our mortgage was transferred to XXXX XXXX to PHH Mortgage who merged with XXXX PHH informed us. For some reason PHH mortgage is charging my wife and I an additional {$150.00} each month for " hazard escrow '' and " other taxes. '' PHH mortgage told us that they provided their own insurance company for flood insurance for us without our consent. We have our own flood insurance we've been paying for on the building. Our building has insurance, as well as flood, we don't need insurance provided for us. I have provided supporting documents to the mortgage company several times. They told us an escrow analysis was completed and there is no additional flood insurance being billed to us by PHH mortgage. Today as of XX/XX/2019, we just paid this not needed flood insurance. We have overpaid for this 2 months in a row. Today at XXXX, I spoke to XXXX ( badge ID # XXXX ) from PHH mortgage. XXXX was not cooperative. XXXX said that we are not being billed for this, yet I still show I am being billed for it. I have all the evidence, and will submit the documents showing this. XXXX tried to tell me since we were a little behind in our mortgage, the account will NOT be brought up to the correct status until we pay the past amount payments including late charges. I was told 3 weeks ago that as long we continue to make our current monthly payments, the home is not in jeopardy of any kind of foreclosure. I also informed them that we will take care of this asap. I feel like they are trying to extort us. This is illegal practice. We didn't ask, or need flood insurance and need this removed immediately and need a check sent to us via XXXX for {$310.00}. This is the exact amount we overpaid.
Warm Regards, XXXX XXXX
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| 03/07/2017 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
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I have been working with my current mortgage company, PHH Mortgage, in regards to a loan modification. Back in XXXX of 2016 I was informed that my loan modification had been approved and that my first payment was due in XXXX. I made the first payment as scheduled. In XXXX I received notice that my loan modification had not been approved. I contacted my attorney and that third party company that I was working with regarding this notification and as result, it turns out that the mortgage company had not sent any trial documents and that the loan approval documents had not been sent to the correct address. After receiving all of this information PHH mortgage advised that the loan modification had in fact been approved, the miscommunication of loan documents had been an oversight on their part and to go ahead and send in my payments directly to them. I have now received notice that my home is up for foreclosure with a date and time of sale. I am an XXXX service member, which the mortgage company is well aware of, and have stayed engaged with them in every step to save my home. I contacted my attorney and the third party company for assistance in this matter. Contact was made with PHH Mortgage to discuss this matter and now we are being told once again that the loan modification has not been approved and that my payment has been return ( nothing has been received from PHH Mortgage ). We have asked to speak with my case manager at PHH Mortgage, his supervisor, and that persons supervisors. No one is ever available to assist in this matter. Once again I am in danger of losing my home and also, the tenants that I have living in the home are in danger of being put out. This highly unprofessional and unethical.
|
| 01/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
My Mortgage company PHH, located in New Jersey sent me a letter stating that due to my equity in my home ( {$300000.00} ) and my excellent credit I qualified for a refi at a terrific rate, please call. I called because this would also pay off my bills. I talked with an agent XXXX XXXX. My main question was " whats the interest rate '', I believe currently I 'm at 3.84 %. He had to have my SS number which I hated because it will show on my credit report. He looked and came back with a little over 4 %. I agreed to proceed. He asked for a credit card number which rattled me. Why? He said in case I DECIDED TO DROP out of this offer it covered their costs. I asked him again to be sure we were clear. He then forwarded my info to a XXXX XXXX who asked for all kinds of forms - the normal forms. I receive Royalties for lease and gas/oil in the state of Oklahoma. I get XXXX 's but getting a contract showing what I would receive for the next three years was near impossible. No one understood what I was talking about. SO I informed XXXX if they had to have this and I would be rejected to be sure to remember I was told that I would not be charged the {$730.00} fees on my card. She never answered me on that question/statement. I have all the email 's as proof. I was charged yesterday on my credit card. I wrote XXXX stating why? I also have not received anything in writing that my refi was rejected. She wrote that my refi was denied because of the inability to get continuance on my royalties. Even a job can not give continuance. What I did receive from PHH was another letter stating that due to my excellent credit and equity in my home I qualify for a loan on my equity. What kind of scam is this place running??
|
| 08/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 84081
|
Web |
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My mortgage is with PHH Mortgage, serviced by mortgagequestions.com.
I have been paying PMI since the loan originated, but last year applied to have PMI removed. I paid their fee for their appraiser to come out and appraise the current value of my home. Their appraiser stated the value at just under the value that was needed to remove PMI on the loan.
In XX/XX/2018, I had another appraisal done to try to refinance the house. The appraised value came in higher than the value needed too remove PMI last year, so, once the refinance failed ( due to a separate issue with divorce ) I contacted PHH/mortgagequestions.com to start the process to remove PMI from the stated value from the appraisal. I have contacted them several times. More than 1 week after each contact ( their autoresponder to email states I'll get a response in 24 hours ), I get a response to my request that they will send out a letter outlining requirements within 7-10 days. I've been trying for a month now and I have not gotten this letter, nor have they responded with a reason as to why they're delaying responses.
Their delay in removing PMI and their appraisal last year feels deliberate in an attempt for them to continue collecting that fee even in light of the requirements for removing its having been met.
Additionally, I have my mortgage payments set for 2 equal payments each month. The first payment is always the requested payment, the second payment of the month is always higher than requested with no explanation as to why. Additionally, my account statements never reflect the additional amount that has been taken from my checking account for payment nor what the additional amounts were used for.
|
| 09/16/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
When we encountered financial difficulties that we determined would make it impossible to continue paying our mortgage, we completed a XXXX application to request a loan modification from our lender. It was denied. Several months later we asked for approval for a short sale. Over the next 18 months we received XXXX offers, none of which was approved or rejected by the lender. Instead, the lender : & gt ; & gt ; Took at least a month to reply to each of our requests.
& gt ; & gt ; Asked for the same information repeatedly, ostensibly because the information they had received was illegible or a month old ( therefore out-of-date ).
. & gt ; & gt ; Did not return phone calls.
& gt ; & gt ; Insisted that all communications must go through one person XXXX " single point of contact '' ), who was rarely available.
& gt ; & gt ; Insisted that all updated materials go through the website, NOT to the " single point of contact. " & gt ; & gt ; Sent us loan modification offers, none of which was feasible, and none of which were requested.
& gt ; & gt ; Closed the file in the midst of processing XXXX sales offer, necessitating that the process begin again from scratch.
Ultimately our " single point of contact '' urged us to consider a deed-in-lieu of foreclosure. Once we agreed to consider that option, suddenly the process took off, being approved by the lender within the next six weeks.
We do not feel that we have been well served by the lender, and instead that they never intended to help us with a short sale. We were strung along until we were in the position where we had to accept the DIL option. This will cause tax liability problems that we were trying to avoid.
|
| 08/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX, I closed a checking account at a bank with the intent of opening a new account with a credit union. As soon as I had opened the new account, I began changing information relating to automatic withdrawls of bill payments. I started with a phone call to the mortgage servicer, Phh Mortgage. I explained to the represenative that I had closed my old checking account, and wished to change the automatic withdrawl information to that of my new checking account. I had tried to do this online, but some strange problem with trying to set up a new password forced me to the phone. The rep informed me this could not be done by phone, that I would have to fill out a form and mail it back. I asked for the form and she said it would be sent out. She informed me that it was already too late to change the information in time for the XXXX XXXX payment, and provided me with a payment mailing address. I mailed a payment which was received and processed on time. On XXXX XXXX, PHH attempted to process the automatic withdrawl using information for the closed account. The payment was naturally refused, and PHH applied a {$25.00} NSF charge to my account. I received a letter to this effect on XXXX XXXX. I called them, and explained what had happened. The representative I spoke to, XXXX, stated that there was no information on thr account regarding the closing of the old checking account. I asked to have the NSF charge reversed. His supervisor denied the request. I should not have to pay for the incompetence of a PHH representative, and I want this charge removed, and an apology from PHH management for the performance of the representative, and the attitude of the supervisor.
|
| 03/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
My loan was sold from XXXX XXXX to PHH. I did not know this as I never received a notice. I have been paying my loan on " autopay '' but XX/XX/XXXX went to increase principal payment amount and saw my loan was paid off. I called XXXX XXXX and they told me my loan had been sold to PHH. I asked them to provide me with account information for PHH so that I could reach out and ensure payment would be made on time. XXXX XXXX refused to provide any information stating that they could only mail or fax. They also communicated that I should not worry as I had 60 days to make payment. Then on XXXX XXXX, I received a bill from PHH that was mailed on XX/XX/XXXX showing that payment was due on XX/XX/XXXX but mailed on XX/XX/XXXX?? It also showed that they never debited XX/XX/XXXX payment and now they showed XXXX months due. I tried to go to PHH 's site to pay but was unable to do so due to their site 's limited functionality. I did set payment for " autopay '' that will start with XX/XX/XXXX payment, and mailed in a check on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX. Then on Saturday, XX/XX/XXXX, I received a notice from PHH saying that I was 31 days overdue on my mortgage and that adverse actions may be taken. This is frustrating and causing me much anxiety as it is very important that I maintain a good credit rating and on-time payment history. PHH 's notice requested that I called " immediately, '' but when I tried their IVR noted that they were closed. Their poor processes are unacceptable and must be corrected. Moreover, they need to guarantee to me that no adverse action was or will be taken on my account. Not to mention, that they owe homeowners like me an apology.
|
| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was sold to PHH Mortgage on XX/XX/XXXX, prior to that it was serviced by XXXX XXXX. I have spoken to XXXX XXXX and my last payment was applied correctly on XX/XX/XXXX for the XX/XX/XXXX payment. Which meant that my first payment to PHH should be applied to the XX/XX/XXXX Payment. On XXXX XXXX I made a payment in the amount of XXXX to be applied to the XX/XX/XXXX payment and on XXXX XXXX I made another payment in the amount of XXXX for the XX/XX/XXXX payment. I have been monitoring the account online since then. I noticed that my account was showing that the due date for the next payment was XX/XX/XXXX. I contacted them 2 weeks after the payments were made and was told that the second payment was misapplied to principle and would be backed out and applied to the XX/XX/XXXX payment. I contacted them again today XX/XX/XXXX. After being transferred 4 times I was now told that both payments were misapplied. I was told again that they would " fix '' it and apply them correctly, but I would have to wait 7-10 days, then I was told 3-5 days then told that it would be fixed today but I still would be unable to have confirmation until Tuesday. I asked what is going to happen when I make a payment this month that should be applied to the XX/XX/XXXX payment. I was told there was no way for them to guarantee that they would apply that payment correctly and I would have to monitor my account. This is absolutely ridiculous, PHH is supposed to be a loan servicer they should be able to properly apply payments to the account. At this point the only acceptable resolution is to have my account transferred to a servicer that can handle accepting monthly payments.
|
| 10/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
|
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I lost my home to forclosure, applied for loan with my local XXXX in 2008, they sold loan to phh mortgage at closing apparently, notice was given that our server was being changed from mortgage services to phh mortgage services same telephone number for both At closing we paid a full year of insurance up front, the originator XXXX XXXX presented himself as XXXX employee although he was registrated with nmls working for phh. Despite the fact I 'm told a corespondent leader could n't work for a XXXX lender at the same time in ct, XXXX became the investor and said they were involved with loan from beginning. Phh said it was n't XXXX, XXXX said they were and we never Had a true opportunity to modify our loan and yet my credit report said we had an partial payment agreement, I wish I could understand what happened so I can move on with our life, phh sent us a lettler our payment went up for lack of insurance then a lettler came that said their records show we had insurance with XXXX and they had n't received our permission to change it we had our insurance with XXXX which they paid out of funds from closing! When I failed to get anyone at phh to resolve this I called td bank na well they were baffled said the did all there closing in the bank and not at an lawyer office in which our took place they said phh had done some work for them but could n't verify our originator. If anyone could explain this relationship phh td bank XXXX I would be greatful. Oh also at one point I was told our escrow account was in the negative then while we were in court I received statement with XXXX. Dollars in the escrow, well they got it I wish I had my wits to fight
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| 01/19/2017 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
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|
Web |
Servicemember |
|
PHH Mortgage Corporation - Mortgage Service Center is a " debt collector '' pursuant to 15 USC1692a ( 6 ), 15 USC 1681n, and Florida Statute XXXX ( XXXX ). I have mailed several request to PHH Mortgage Corporation by certified mail for verification and validation of an alleged debt.
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of Debts and Florida Statute XXXX - Assignment of Debts, In a my correspondence with PHH Mortgagae Corporation, I asked that it 's agents provide supporting evidence to substantiate its claim., within thirty ( 30 ) days.
PHH Mortgage Corporation, through its agent XXXX XXXX, has attempted to seize my property and alleges, in a complaint filed in the State courts of Florida, a default on XXXX XXXX, XXXX.
The complaint alleges a default on a loan on XXXX XXXX, XXXX. However, this company 's alleged claim is based on an fraudulent assignment recorded XXXX XXXX, XXXX, 11 months after the alleged default.
Also in a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX using a XXXX letterhead acknowledged receipt of a debt dispute and in response mailed a second letter dated XXXX XXXX, XXXX with a PHH Mortgage letterhead alleging XXXX XXXX as an investor on the account and listing XXXX as a servicer on their behalf.
I have several account statements from XXXX marked with the original account number showing the account is still open and alleges I owe {$80000.00} and lists PHH Mortgage Corporation as the servicer.
The account statement from XXXX for the account raises the question did PHH Mortgage Corporation give value for the alleged assignment as required by Florida Statute XXXX and the Uniform Commercial Code.
|
| 04/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our loan was sold by XXXX to PHH Mortgage Services. The incompetence of PHH was obvious at the outset so we immediately paid the loan off in full to separate ourselves from this company as quickly as possible before our excellent credit was damaged by their incompetence. That payoff was made and acknowledged by PHH on XX/XX/2019. The payoff resulted in a refund due to us of {$500.00}, comprised of {$310.00} in a property tax impound balance and {$180.00} in overpayment of the payoff balance. When no refund of funds due was made to us an inquiry was made made to PHH via phone. We were advised by XXXX of PHH on XX/XX/2019 that the refund should have been made within ten days of the XX/XX/XXXX payoff. XXXX indicated that she would submit an inquiry as to the status of the refund. On XX/XX/XXXX I called a PHH again to inquire as to the status and was told by XXXX that all refunds are issued within 15 working days of payoff and the check was mailed on Friday XX/XX/XXXX. On XX/XX/XXXX we called a third time to verify the information provided by XXXX the day before. During the course of that call we were informed by XXXX that the check was mailed on XXXX of XXXX. It is now six days later and we still have received no refund from PHH of the funds due to us, nor have we received any written verification of the loan payoff. The story line continues to change, PHH continues to change dates to suit their story line and we still have not been refunded the funds due to us. It appears that PHH is either severely incompetent, they are liars or worse yet, they are committing fraud, theft and conversion of funds to which legally they have no right.
|
| 05/30/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
The purpose of this complaint is to seek the mortgage servicer 's retraction of a credit reporting entry due to a payment processing error. On XXXX XXXX, I made a payment using the servicer 's online portal ( XXXX XXXX XXXX ) for the XXXX payment due. The payment was accepted via the portal, and I received a confirmation email. I received no further communication from the mortgage servicer until Saturday XXXX XXXX, when in the mail I received notice that the payment was past due. I immediately submitted a duplicate payment until I could troubleshoot the issue with the mortgage servicer 's customer service on the following Monday. On Monday, XXXX XXXX, the mortgage servicer through several calls to them advised that the XXXX payment was rejected due to them not being able to locate the checking account, despite this information being used several times previously. My detailed review of my checking accounts and my conversations with my banks did not reveal any transactions being presented by PHH, or any NSF fees / overdraft charges or other activity to suggest that XXXX XXXX conducted the transaction for PHH. Both accounts contained sufficient funds. I did not receive any contact or communication from PHH noting there was any problem with thXXXX XXXX payment until the XXXX notice, which was too late and had already reported to my partner 's and my credit. The XXXX payment was processed, and satisfied the XXXX amount due. I have never before been beyond 30 days late on this or any other mortgage. I faxed a detailed request reflecting this summary to PHH 's Credit Retraction Team on XX/XX/XXXX but have not received any response.
|
| 06/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
in XX/XX/XXXX we notified PHH MTG. that we were experiencing financial difficulty.they told us before they could HELP us we had to be behind XXXX mos. at that time we called again for HELP and were sent a packet to fill out and return, we did. during this time we put house on market with no luck. tried another realtor no luck. husband was injured on job and required XXXX and XXXX by XXXX. He trained for home inspection no luck there houses were not selling!!! XX/XX/XXXX wife retired. XXXX XXXX wife had XXXX XXXX requiring XXXX. HUSBAND TOOK JOBS WHICH DID NOT MEET OUR FINANCIALY NEEDS. STILL TRYING TO SELL HOUSE. NO LUCK. WIFE TOOK XXXX JOBS. XX/XX/XXXX ENLISTED AID OF HOPE filed the ANSWER. went to court XXXX-XXXX times by XXXX XXXX PHH told us that there was nothing they could do for us. " WHAT ABOUT OBAMA PLAN? '' XXXX XXXX ( which we did not even know was involved in our mtg. ) did not 'BUY INTO THE OBAMA PLAN!!?? XX/XX/XXXX we moved out and to FLORIDA. we have and are still getting paperwork request from them, we have had XXXX buyers back out due to inefficency of PHH TO move on sale. we have a XXXX cash paying buyer now who is threatening to bow out. a message just today from realtor for recent pay stubs AGAIN. WE JUST SENT AT THAT TIME RECENT PAY STUBS IN XXXX XXXX. OUR MTG. WAS ORIGINALLY WITH XXXX XXXX XXXX, REFI NANCE TO PHH WHO IS BACKED BY XXXX XXXX. OUR OPINION IS THEY ARE PURPOSELY PUSHING US TO FORCLOSURE. THIS IS NOT FAIR TO NEIGHBORS ( HOUSE IS BEING NEGLECTED BY THEM ), REALTOR HER TIME AND MONEY, AND MUNICIPALITIES. PLEASE HELP US THIS IS SO UNFAIR AND PAINFUL TO US. HOME PHONE NO. XXXX OR CELL XXXX XXXX.
|
| 10/22/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a XXXX way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX supervisor return call, and still have not received one. I also have to pay PMI which is costing me about XXXX $ a year.
|
| 01/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
PHH has effectively kept me from obtaining a loan modification, for which my mortgage loan qualifies. I had always made my mortgage payments on time every month, but when I suffered an unforeseeable job loss, I saw that it was going to be impossible to stay current with my payments. I was given a forbearance agreement which I accepted and started making the payments. Unfortunately, I also had to make payments to the bankruptcy Trustee and it was impossible to keep up with both payments. I had to stop making payments and tried to work with PHH Mortgage to get a loan modification, but they would not work with me since I was in bankruptcy. My delinquency has now grown and I am afraid that I will not be able to get into some sort of workout option. PHH Mortgage has definitely received all of the money I should have paid them as I was put into an interest only loan when I bought my home. I definitely was taken advantage of and would have never taken that loan if I realized what I had signed. PHH Mortgage has never provided me with a single point of contact and they are refusing to work with me. I have never had a loan modification on my loan and I make enough money for a reasonable payment, so I must assume that PHH just wants to take my home away to capture the equity that I have in the home. I am extremely upset and frustrated with PHH as they are sending my loan through the foreclosure process and I need help to keep my home for my wife and children. My financial situation has turned around and I am out of my financial distress. I am hoping that you can look into how they are treating me and help me keep my home.
|
| 06/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Creditor name is PHH Mortgage Services We were traveling overseas during the months of XXXX and mid XXXX, 2018 and were not aware that our XXXX payments, sent automatically from my XXXX XXXX XXXX account as a Bill payments, had been returned. However, upon realizing this mistake in late XXXX, I made several attempts to remotely solve the situation : - I sent another 2 Bill payments ( {$1500.00} and {$1700.00} ) from my bank in late XXXX that were deposited and CLEARED my account on XX/XX/XXXX, XXXX. However, unbeknownst to me, PHH FAILED TO CREDIT THESE PAYMENTS TO MY ACCOUNT.
- Upon realizing that the payments had been returned I called PHH around XX/XX/XXXX and attempted to make a phone payment but the representative told me the account was blocked and I could not do so.
- I then spoke to several people and asked to speak to a supervisor to see if I could send the payment electronically via a wire or ACH but was told that my account was blocked and that I could only pay with certified funds.
- I then proceeded to send a wire to a neighbor for {$5500.00} and I asked him to go to a branch in person and pay the loan at a cashier, assuming that cash was certified funds. However, upon arriving at branch he was told that cash was not an acceptable for of payment.
- At this point I decided to cut my overseas trip short and return to the USA myself to deal with this situation.
Now my credit file is showing 30 days late for XXXX and I'm unable to obtain a mortgage for a new home despite having made EVERY effort to pay PHH on time. I tried, they refused.It almost seems like they didn't want me to pay, crazy ...
|
| 12/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
I have my current mortgage with PHH Mortgage for the past XXXX years of a XXXX year mortgage at XXXX % ( $ 2210 monthly mortgage payment ). My application for refinance to XXXX % that would have reduced my monthly payment to {$1700.00} was denied for a flimsy reason of " inadequate debt to income ratio ''. This was after repayments of all outstanding issues on my credit as instructed by the company to the tune of almost {$5000.00}. I 've always maintained XXXX income sources XXXX XXXX time and Full Time ) with the following gross income streams from my XXXX positions : XX/XX/XXXX - {$110000.00} XX/XX/XXXX - {$130000.00} XX/XX/XXXX - {$100000.00} XX/XX/XXXX - {$94.00}, XXXX The argument as presented to me was that i changed my full time job XXXX months ago hence any income from there can not be used even though there is no gap in full time or part time employment in the past XXXX years. So they arrived at their " inadequate debt to income ratio '' conclusion using only my part time employment. This is a very odd position that brought me to either of XXXX conclusions : XXXX. The company did not want to change the status quo since i 'm already paying at XXXX %. So there is no incentive to go along with the refinance or.
XXXX. I fit into a category of borrowers that do not understand how the numbers or financing work.
I have already spent about {$5000.00} as instructed by the company 's loan originators to settle outstanding issues on my credit. This also did not include the emotional toll that the process have put me through. This is very unfair practice that need to be looked into. Thank you for your time.
|
| 01/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I submitted a written request to have PMI removed from my account because the LTV was at XXXX % and would drop below XXXX % with the next scheduled payment. I received a letter and form from the bank with instructions on how to remove the PMI. One of the options was to pay the remaining principal balance of .1 % along with a Certificate of Value fee. I completed the form, selected the option to pay the principal down to XXXX % and the COV fee, and mailed it along with a check for {$480.00} for " XXXX XX/XX/XXXX, the check was cashed by the bank. On XX/XX/XXXX, the bank charged a payment that included PMI. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX to find out the status of the request. The phone representative stated that the PMI request was denied, but could not provide any additional information regarding why the check was cashed, why the request was denied, or why I was not notified. Additionally, the bank could not confirm if the funds from the check have been applied to account, or simply taken by the bank despite the rejection.
I am filing this complaint because PHH refuses to remove PMI from my home mortgage despite the fact that I meet the requirements of the Homeownership Protection Act of XX/XX/XXXX. I have paid down my mortgage to XXXX % of the loan, have a good record of payment and compliance with the terms of the mortgage, made a written request, and paid for the COV to show that the value of the property has n't gone down. The property is not encumbered with liens ( such as a XXXX mortgage ). Since I meet all these conditions, PHH must grant the request to cancel the PMI.
|
| 05/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I 've receiv ed four letters i n the last month fro m PHH M ortgage in reference approximately {$10.00} in additional escrow payments. Each letter I receive for additional money for my monthly mortgage payment is followed up by me with a phone call to their customer service. I always ask to speak to a representative in t he U. S. A. t o insure their is no language barrier. My conversations with PHH c ustomer service representatives indicate their is no issue with my mortgage and I am current with my mortgage payments. Within a week of the above conversations, I received two letters form PHH stating I owe them money for late payments, including the next months mortgage payments. The most recent letter form PHH states they have not received my current month 's payment and is a notice of the creditor 's ( PHH Mortgage ) intent to enforce a lien against my property. I followed up on this ( third ) letter to PHH customer service re presentative XXXX XXXX who assured me there will be no lien on my property and my payments are current. XXXX advised that PHH Mortgage is a large company and it is impossible to communicate with the person ( s ) who are responsible for late/missed payments. To his credit, XXXX XXXX sent me an e-mail indication my mortgage payments are current and no money is owed to PHH Mortgage.
This complaint is to inform CFPB that PHH Mortgage is sending harassing letters with false information to customers and continue to send inaccurate information to customers, via weekly letters to respond with additional money not owed to PHH Mortg age.
|
| 05/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PHH Mortgage paid the wrong amount for our flood Insurance. The difference in the cost was $ XXXX year. The first time I called the representative lied to me about them getting the same copy of the bill as I got. My insurance provider told me that, " No they got a copy of the same bill. '' After a few phone calls PHH paid the {$17.00}. The {$17.00} was for {$7800.00} in more coverage. Because their paper work is always behind they sent me a bill to make up the {$7800.00} difference with another insurance company called XXXX XXXX XXXX XXXX. Their rate for the {$7800.00} was {$70.00} per year. That is almost 4 times what should have been paid. I found an article on your website dated XXXX 2014 about them getting Kickbacks on Mortgage Insurance. I am concerned that they may be now trying to make money off of Flood Insurance.
Their Book Keeping is terrible. Their corespondence is also terrible. Their letters have dates that are 5 to 8 days earlier than the post mark date on the envelop. So where did the letter sit for all of those days? Are they making money off their innepness?
They will only take mortgage payment electronically. Every other payment has to be sent by mail. Then the posting date is again a day or two later. It seems that one department does n't communicate with the others very well. I have been passed from one department to another during a single phone call. Then they argue with the information I got from the other department. They seem to lag behind each other with current information. All this seems to me like they are purposely slow to make a profit off of their customers!
|
| 08/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have held a mortgage with PHH Mortgage and its predecessors for the past XXXX years. I refinanced with them XXXX years ago for the same property. Since then, they have instituted aggressive collections calls when my mortgage is not even overdue. I have never paid this mortgage XXXX days late nor have I paid a late fee for being past the grace period. I do n't understand then why they call daily from their collections department every month if I do n't pay exactly on the XXXX. It usually starts with robocalls on the XXXX. And I do n't want to pay them until my tenants ' rents are paid. Their XXXX outsourced call center is incompetent as well. I told them to not call me but they said they would continue to do so. And they call cell and home multiple times. They told me they want me to sign up for automatic withdrawal or they will keep calling. Well, I do n't trust them with my checking account. They have n't proven to be trustworthy. I see no basis for calls when the bill is not overdue. I always pay by the XXXX. Usually the XXXX. I have another mortgage with the same company, and they never call me regardless of when I pay. This second XXXX was n't refinanced and is the original loan. They are both on the same servicing website XXXX It makes no sense and is very offensive. Please help until I can refinance and dump them. The actual loan rate is fine. It is just their utter disrespect and incompetence I ca n't stand. Since when does a company start collections on someone every month and insult someone who chose to keep them when they refinanced? Had I known, I would have found someone else.
|
| 10/21/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XX/XX/XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XX/XX/XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a four way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XX/XX/XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX-XXXX supervisor return call, and still have not received one.
|
| 11/04/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
On XXXX/XXXX/2016 I was pre approved for a home mortgage ( FHA ) by Sunbelt Lending Services after presenting all requested documentation. So I move throgh with my broker for home inspection, we needed to fix couple things on the desired house as well after inspection and I had to pay for the appraisal. Everything went well, house was fixed, appraisal approved, tittle company with my deposit in approved also the house. So far everything was ok till I received a phone call by the lender saying that his investor was not confortable and he needed at least 25 % or 30 % as down payment. Pre approved loan down payment was 5 %.
It was told since the begining for the lender that maximum down payment would be 5 % and my biggest concern is that he let me go up to the end, paying off the fixing, inspections and appraisal. It really feels like bait and switch.
After that I and my broker asked him to send a denial letter accordingly and he would not pick up the phone or reply our emails for 3 days. After that I could get him on the phone and he emailed the denial letter, but only saying that I have not sufficient funds! Which is not true. It occured because he changed his propose after everything.
So far I expent over {$1900.00} ( inspection, appraisal, fixing, accountinh services ) and still fighting to get my deposit back from the title company.
Lender said that he would give me what I expent as a credit for an upcoming application. But honestly I will never do it again with this lender and would never recommend their services for anyone. XXXX XXXX XXXX was the loan senior officer.
|
| 01/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am a customer of PHH Mortgage. My monthly mortgage payment is {$2200.00}. All of my payments to are up-to-date, and I have in fact overpaid them as I will demonstrate. In XXXX 2015, there was a small change in escrow ( {$96.00} ) for my payment which I did not notice, and I paid the historical monthly amount. I noted the error the next month, made the catch up payment for prior month 's escrow, paid the new monthly amount, and called PHH to report the mistake. I was assured in XX/XX/XXXX by PHH that all amounts would be applied pursuant to my intention. After six months, they have failed to correct the issue in spite of my repeated and consistent calls. I have spoken with XXXX, with XXXX XXXX, XXXX XXXX and a number of others at PHH. I also followed up in writing with XXXX and XXXX. Not only have they not corrected the error in over 6 months, I was incredibly disturbed to receive correspondence ( attached ) dated XXXX XXXX, 2015 indicating that I owed PHH {$11000.00} and that payment was due just three days later! This is reprehensible! On top of that, I received a communication dated XXXX/XXXX/2015 indicating ( for the first time ) that my escrow amount was changing effective XXXX 2015. Ironically, the amount went down, so I have actually been overpaying what I owe them from that date to now. Mortgage servicing is one of the most important functions in our American economy. Family financial security, credit ratings, and accessibility to affordable home financing are dependent on an efficient administration of mortgage debt. PHH is not up to the task.
|
| 10/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Century 21 Mortgage have a mortgage service center call PHH Mortgage that handles all their Mortgage. In around, 2010 I was delinquent on my Mortgage and they gave me a government program with a 2 % interest remodification and at the end of the the tax year I was sent a XXXX with around {$100000.00}. After I was paying my Mortgage on time for a while I was sent a letter with XXXX of checks I had sent saying the amount for mortgage has now change and I need to get in touch with the mortgage lawyer and and see how much I need to pay to be current I was tolded by the lawyer {$16000.00} of which I had about {$6000.00} money sent back by the mortgage company and being delayed in the mail. The mortgage company decided to work with me to become current sent all the document with the correct principal and amount we would pay monthly. We setup a separate account and wait for the direct withdrawal of the new mortgage to my surprise money sat in the account for XXXX months when we call the mortgage company that told us that their was an error on their part and they short the principal {$100000.00} which can only mean they are trying to charge me for the {$100000.00} they had already got credited for. I tried getting it resolved but the company kept changing the agents that I dealt with in the early years of the mortgage, so its hard to track to see when the figures increased and decreased on account of errors of numbers so now my mortgage principal is {$100000.00} over in valve and company refuse to remove the error so we can get our montly payment back on track.
|
| 12/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I originally complained about the unfair assessment of late fees on XX/XX/18 to my loan account ; the fact that they mixed up the mortgage payments and put them into the wrong accounts ; that the extra money I sent to be paid to the principle was paid to the loan interest ; and the most important part they allowed my homeowners insurance to lapse, because they did not renew my insurance on time, and as a result it is scheduled to expire on XX/XX/18. They have addressed the first two issues to correct the mistakes of payment in the right places and adjust principle to reflect the payments made to that area, but they have neglected to fix the insurance part which is most important, because a house must have insurance on it, in case of fire or natural disasters, if for some reason something perchance occurred, I would not be covered. In this case, although the mortgage is tied to the home insurance and they are responsible for paying the premiums and ensuring that the insurance coverage is there, instead, they have ignored this aspect of the complaint, and just sent me a letter stating that the home insurance will expire on XX/XX/2018, without making any efforts to see that it be reinstated to ensure that my home is covered from these disasters, and they are further telling me that without home insurance, they can not service my mortgage loan, which is very unfair of them to me, as they are totally responsible for renewing it, and they don't care to do so! And I want my insurance reinstated before the expiry date reaches! I urgently need this to be done!
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| 07/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2018, my outstanding loan balance was {$650.00}. A payment of {$650.00} was due on XXXX XXXX and was received by PHH mortgage onXX/XX/XXXX. I received a letter from PHH, dated XX/XX/XXXX, stating that a payment of {$700.00} was due by XX/XX/XXXX. I called PHH customer service and received the following additional information : 1 ) My payment from XX/XX/XXXX was not credited to my account because it was not received in the form of a certified payment ( wire transfer or bank check ) and did not cover the full amount of the loan which now included a Recording Fee.
2 ) My payment from XX/XX/XXXX would be refunded to me after I paid the loan balance in full ( e.g. {$700.00} ).
In response, I would provide the following : 1 ) I was never informed of and hold no correspondence from PHH prior to XX/XX/XXXX, including the original loan paperwork, indicating the amount of the Recording Fee nor of any requirement as to the form of the final payment. I was basically informed on XX/XX/XXXX what my payment amount due on XX/XX/XXXX was and because I didn't pay the correct amount they are still charging me interest on the loan. How can that be legal?
2 ) If I had not made my regularly schedule loan payment as required by XX/XX/XXXX, I would have been subject to an additional late payment fee.
Given the procedures implemented by PHH to notify borrowers of these requirements after the maturity date of the loan it is impossible for the borrower not to incur additional interest charges and fees or to be required double remit their final payment.
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| 03/14/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Became behind in payments, had to utilize XXXX XXXX for Payment.
A bank check was sent from my bill pay and was not accepted, but returned to me.
XXXX XXXX Payments as follows : XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$520.00} XXXX XX/XX/XXXX {$520.00} Prior to submitting any further payments, called the Mortgage company to ensure they would accept payment amounts. The answer was yes. I paid the following : XXXX XXXX {$1100.00}. The total amount was still sitting at XXXX XXXX. XXXX XX/XX/XXXX spoke with XXXX who stated that their accounts department would be open 8a-5p she would call me back. Never called. XXXX XXXX XXXX with XXXX. She did not call back. XXXX XX/XX/XXXX spoke with XXXX. XXXX called me back and said if I do not hear from him he could not get in touch with anyone. I talked to my case manager XXXX XXXX my case manager who said the funds were with XXXX because the account number was not on the transmission receipt. I called again on XXXX XX/XX/XXXX spoke with XXXX XXXX and asked if I should just get the funds and resubmit with the account number. She said yes. I also asked if they would still accept the funds. She said yes. I checked today they received the funds the same day and when I called today XXXX XX/XX/XXXX I was told by the customer rep that the funds were being sent back to me because I am five months in the rear. I was put on hold to speak to XXXX XXXX and was disconnected before I spoke with her. I called back, five minutes later and was again disconnected when transferring.
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| 08/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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we refinanced thru a local credit union, within the year we were notified that Phh mortgage services had taken over our loan, at first it was ok then I was unable to make a payment on time, called them they said I could break that payment into XXXX lesser payments to catch up, not telling me that this was going to affect my credit score showing XXXX late payments, a couple years later my wife got layed off from her job XXXX, we asked to get a loan modification to help offset the loss of income, this was a nightmare, between the representitive that spoke broken XXXX to the constant problems with paperwork, we finally were told we could do a trial period of XXXX payments, we did that with out a problem until our XXXX rep sent the paperwork for the modification I would be paying on my mortgage until I was XXXX, so obviously we said put us back on our regular mortgage then I get a letter saying I owe XXXX dollars in late fees, which they said because you did n't pay your regular amount that late fees were added, we disputed these fees but these people are not approachable, also they kept harassing us when we were in the modification in broken XXXX asking do you want to keep your house, also after we did the trial mod and went back to original mortgage, we got a letter saying we owed them XXXX dollars for original mortgage to get back on track, this company is horrible to deal with, you cant understand them and when you get an American to speak to they do n't want to listen or hear anything you are trying to say to them
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| 11/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX/XXXX/2015 I submitted my mortgage payment to PHH mortgage electronically through the bank. The money, payment can be seen as received on my activity statement on PHH website, on my account although the money was put in a suspense account for some reason. I have called PHH mortgage and emailed twice to see why the money, has not been applied anywhere not to escrow nor principle. In addition, the balance in suspense account says XXXX balance. so If I click on my payment to see where it went it says suspense account. But then on the main page, listed nortgage owed etc. it says zero in suspense account. It is now XXXX XXXX and the money has not bee applied anywhwere and my tax bill came in which was due at the end of XXXX. Since the money is in suspense, there were insufficient funds in escrow and PHH has funds owed to my account because my payment was put in suspense. I am very unclear as to why their is such a delay in applying my payment which I made on XXXX/XXXX/2015 electronically has not been applied to anything, not principle or escrow as of today XXXX. I have called and the lady said it will take ten business days to fix this and I have sent XXXX emails. Every month I submit my mortgage payment the month prior to it being due almost consistently two weeks prior. why is the money not applied to principle and seems to be not accurately documented as where it is XXXX statement says XXXX balance in suspense and if you check to see where the payment went it indicates it all went into a suspense account.
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| 03/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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PHH purchased our loan in XXXX. Unfortunately, the previous servicer, XXXX, did not tranfer the full escrow balance over due to an error on their end. PHH recalculated our escrow and payment. This shortage was finally rectified at the end of XXXX. PHH received almost {$1600.00} which was supposed to go back into our escrow account per the instructions in the wire transfer and matching all notes and communication I have had with PHH. I have been following up ever since to get the escrow analysis redone, and the payment back to the original payment upon closing XXXX 2015. We are still waiting for our loan escrow to be analyzed again so we do n't have to worry about our automated bank payment that was set up in XXXX. ( At one point, they had XXXX different payment amounts for us. ) We made a payment in XXXX 2015 for the actual amount, already set up at our bank, not the new payment which was {$200.00} higher than our loan agreement. I was assured this would go towards XXXX w/no late charges.
We have not even had this loan a full year and continue to have issues with sub-standard servicers. PHH reps do not speak English and I can not understand them very well so I use there email service. I also have checked the online account for current info. No one reaches out to me with full summaries of where the escrow money went, when it was posted and when the analysis will be complete. They just send statements, payment bills and respond to emails with short, partial answers that do not even begin to address my inquiry.
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| 05/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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I am a XXXX XXXX XXXX XXXX helping a client get a modification on his mortgage. The servicer is PHH a nd I have had continued problems with them regarding this case. My client recently started receiving XXXX . W e sent the servicer the award letters showing how much he will be receiving. We also sent him an explanation letter stating that he applied for direct deposit but that it would take some time before it would begin to show in his bank account. In the meantime we showed that the client was depositing his check into his account every month. His direct deposit just started in XX/XX/XXXX . PHH keeps in sisting that they nee d two months worth of deposit from Social Security. We have submitted a fully documented hardship request along with a third party authorization. The servicer keeps sending out missing docs information for the same documents that have been submitted. The most recent package was sent XX/XX/XXXX of this year. Soon after they received it, they sent back the missing docs letter asking for information that was already sent. My client has XXXX XXXX and he is on XXXX . He would not be able to tackle this issue alone, so I am advocating for him. Now with his income he is able to pay his mortgage, b ut PHH is mak ing it really difficult for him to get a modification. My client has a lawyer from legal project working on his behalf as well. This has been going on for several months and it has gotten to the point where I just needed to make a complaint.
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| 05/11/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I lost my job last year and fell behind on my mortgage payments. I contacted my mortgage company regarding a hardship program and was put on a forebarence with payments of {$910.00} per month. I was puzzled at first since Unemplyment was my only source of income and this plan would take more than half and I was only given a 2 week notice on when payments would start. I called to discuss these concerns with a representative who told me if I didn't take the payment plan then nothing else would be offered and I could be at risk of loosing my home. I explained that a 2 week notice would not allow time for funds to be available when the 1st payment was due and she told me that as long as I mad the payment by the last day of the month, the plan would be considered in good standing.
I made the fist payment on the last day of the month when fund were available. I was dropped from the plan because the payment did not post until the next business day. I disputed the disqualification and was allowed to resume payments according to the forberance schedule. I made my XXXX payment on XX/XX/XXXX, which happened to fall on a Sat. The payment was accepted however ; I was just notified that I was once again disqualified from the program due to breach of contract since the payment did not post until the following Monday, XX/XX/XXXX.
This is a contradiction since I was told that as long as the payment was received by the last day of the month I would be okay. I disputed the disqualification and my dispute was rejected.
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| 03/23/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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The home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX is part of the XXXX XXXX XXXX XXXX XXXX. The owner became past due on his assessments but then passed away in XXXX 2015. I am the XXXX and notified the mortgage company, PHH Mortgage Corporation of his death in XXXX 2015 after finding that his children did not plan to take the home. I have been in touch with PHH Mortgage at least monthly but as often as weekly to voice the Board of Director 's, neighbor 's, and my concerns about the home as the water has been turned off so the yard/trees are dead and there are rats in the overgrown vegetation/empty house. In every correspondence, I have have requested that they expedite foreclosure as obviously the deceased is not going to be making payments. The house 's condition has continued to decline. The XXXX has started baiting the house for rats, we have spent close to {$900.00} so far in treatments. We have also started mowing the lawn. We can not water the lawn or help with the foundation that is cracking. There are stones falling off the home because of the foundation 's condition. This home is in a very affluent neighborhood XXXX. The house would sell very quickly as all the homes in this community do. This home is on XXXX the larger lots. I have explained all this to the mortgage company. The owner passed away over 1 year ago. The XXXX is now owed {$12000.00} post bankruptcy on this home. The other owners are paying for the demise of this home not only with their assessments but with their property values.
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| 09/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Loan Number : XXXXTo : XXXX XXXX Executive Response TeamRegarding : Illegal Tactic of ForeclosureXXXX XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead XXXX. The servicer of the loan is PHH Mortgage XXXX. As you can see in the Notice of Trustee 's Sale XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX does not exist only your name.
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set XX/XX/XXXX.
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below.
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : XXXX and all other Civil Codes that applies.
1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain XXXX involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 XXXX Explain XXXX Bank XXXX involvement14 ) Explain XXXX XXXX XXXX involvement15 XXXX Explain Mortgage Electronic Registration System involvementTime is of the essence
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| 12/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/2018, our house was flooded. We sustained minor flood damage. We carry flood insurance, and our insurance covered muck out and debris removal. All of these tasks we completed ourselves On XX/XX/2018, we received our insurance check. As part of the normal process, PHH Mortgage Services was a party to the check. After going through our normal contact at PHH Mortgage, we finally were directed to the Insurance Claims department. On XX/XX/2018, we submitted electronically our Insurance Worksheet with all of the claim information. We were told that we had to request a waiver for the contractor requirement. We did so, and later that week, our request was rejected. At that time, PHH Mortgage requested an inspector to come out. That request was made on XX/XX/2018.
On XX/XX/2018, we submitted photos documenting that all the cleanup work that was being covered by the Insurance Worksheet was completed. On XX/XX/2018, an inspector representing PHH Mortgage came to our house and to the best of our knowledge received all the information necessary to complete the inspection report. PHH Mortgage stated that those results would be available within 48 hours.
After several phone conversation, on XX/XX/2018, representatives for PHH Mortgage stated that they have no information concerning the inspection results.
We are trying to get our insurance check endorsed from PHH Mortgage, but they are not allowing that to happen.
All we are requesting is that PHH Mortgage endorses our insurance claim check.
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| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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My loan was originally with XXXX which later in XXXX, 2019 got transferred to PHH Mortgage Services.
In XXXX of 2019, my XXXX online account showed {$0.00} payment due, so I called to inquire and I was informed that I was qualified for the Federal Disaster Mortgage Forbearance and that I did not need to make payments for three months. I was also told that regular payments would resume at the end of the three months. In XXXX, 2019 I checked my online account after receiving an email from XXXX about statement availability and again, it showed {$0.00} amount payment due. Every month after that the account showed {$0.00} payment due.
After the transfer, I tried to make my regular payment to PHH but it was rejected. When I called PHH to find out why, I was told that I owed money for six months starting from XXXX of 2019 and that there were no documents in my record about the Federal Disaster Mortgage Forbearance. Going back to contact XXXX is no longer an option. I was verbally informed over the phone with XXXX of the Federal Disaster Mortgage Forbearance, but I never received any related documents. However, I also never received any notices in any form to alert me that I had missed any payments. I had thought that my regular payments would have started again with XXXX in XXXX of 2019, but every time I logged into my account it showed {$0.00} amount due. I had no idea if it was related to the transfer or the modification I had applied for. Now, PHH is demanding {$21000.00} of back payments.
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| 04/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Good afternoon, thank you for assisting with my issues. On XX/XX/XXXX I learned that my loan servicing was transferred from XXXX loan servicing to PHH mortgage. I was given a contact of XXXX XXXX ext.XXXX. I called to make a payment, and no one answered the phone. At that time I was 2 month behind and had a late fee of roughly {$1900.00}. I made 2 mortgage payments over the proceeding 3 weeks by the automated phone payment center.I have all the documentation ( i did have a routing number issue on a couple attempts ). After multiple calls on hold for hours, I had reached a customer service rep and was told i could get current with a payment of roughtly {$3900.00}, and made that payment around XX/XX/XXXX. I was told the late fees were removed, due to federal law with a new servicing provider, and made a payment of roughly {$3900.00} bring me current, which I did. I thought it was somewhat resolved aside from the illegal, inexplicable chargers and lack of customer service until..days later I got a letter and I owe over {$11000.00}. I realized payments were missing, there were payments not being applied and the escrow was off, there were fees piling on. The account was in suspense dated back to XX/XX/XXXX. I make a payment to get current and then this, heartbreaking. I asked for an escrow break out, never got it. There are funds that are currently missing.Full payments missing. Please help with holding this Lender accountable. I have all bank records and letters to verify these issues
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| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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My father passed away on XX/XX/XXXX. There was no will. I informed his mortgage servicer, XXXX, on or about XX/XX/XXXX. At that time, they requested various documents -- death certificate, etc., which I submitted via the e-mail address they provided me. Nevertheless, the company proceeded to foreclose on the home. I paid {$6400.00} from the estate on or about XX/XX/XXXX, to reinstate the mortgage, and I set up auto-pay to keep the mortgage payments on track. The first automatic payment of {$760.00} occurred on XX/XX/XXXX. Around this time, XXXX informed me by mail that the mortgage was being transferred to PHH. Also around this time, I was informed by mail that the lender placed insurance was cancelled. In correspondence dated XX/XX/XXXX, PHH informed me by mail that it was attempting to collect a {$1100.00} " collection cost. '' This is a bogus charge. I have tried on multiple occasions to speak to customer service. After hold times of 20+ minutes, I give up. I am unable to access the PHH online system and have been unable to get through to technical support due to excessive hold times. On XX/XX/XXXX, I sent an e-mail laying out my concerns to two e-mail addresses that were contained in correspondence. I have received no response. I have accepted an offer to sell the house, and I don't want issues with the mortgage company holding up the sale. Monthly payments continue to be withdrawn from the estate account although the payment amount is now {$730.00} for reasons unknown to me.
|
| 06/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have tried for several years to refinance my mortgage loan with PHH. There is an average wait time of 10 mins to get an actual person on the line. Then the after repeatedly being put on hold, I would usually just hang up after 30 mins. There is ALWAYS a " greater than average hold time because of increased volume ''. How can that be? No matter what the time of day!
So finally I refinanced away. I'm in NY state, so I'm looking to take advantage of XXXX to avoid having to re-pay mortgage tax. Thus I simply need to have PHH assign the mortgage to the new lender so they can file a XXXX and associated fees.
My new bank 's attorney has done hundreds of these, and tells me PHH is the only firm that can not seem to understand this process. They need an attorney contact to work with and the process handled quickly. The attorney was first told that the client needs to request. I've now had three 35mins+ phonecalls where I'm repeatedly put on hold and they clearly have no idea what an assignment is, nor what XXXX is ( fyi you can XXXX it ). They told me to fax a letter to their legal department and someone would respond within 48hours. No response. I sent email to the customer service department to follow up. No response. Now they want me to file an inquiry with research department and they will respond within 30 days. I give up! I will need to just pay the tax just to get away from this awful company. Their customer service is worse than XXXX or XXXX ... and that's saying something!
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| 05/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PHH Home Mortgage is servicing my mortgage. In XX/XX/XXXX, they sent me a year end mortgage interest statement Form XXXX for Year XX/XX/XXXX. Since I had not reason to believe that the statement could be erroneous, I passed the statement onto my Accountant who filed my Taxes for the year XX/XX/XXXX. Later I received an amended Form XXXX and the changes were on the statement and due to which i have to re-file my taxes. My accountant again charged me for the filing of the amended taxes and thus i incurred another cost due to the negligence of PHH Mortgage. I did reached out to PHH Mortgage through phone and e-mail and i was assured that they will re-reimburse me for the cost re-filing. However the next time I called them to inquire about my re-reimbursement for the additional cost I was being tossed from one department to another to no avail. Since the issue started from an erroneous statement and give my experience with the Mortgage accounting this could be pre-cursor to company wide mismanagement and ultimately fraud. I would like you to take a look into this matter and investigate as it may only be me who is affected by this erroneous statement there must be many other customer of PHH mortgage who must affected by the same issue. Please take a look into how they have address this issue with other customer and how they have ratify this issue. Again my suspicions are towards a company wide fraud. PHH Morgage is located at PHH XXXXXXXX XXXX XXXX XXXX, NJ XXXXPhone : ( XXXX ) XXXX
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| 09/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This problem has been escalating since XXXX XXXX.
PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX This company has been constantly harassing me and my family to the point of affecting our well-being and our state of safety.
PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX I have never missed a payment they are all done electronically through my XXXX bank account. The mortgage service company XXXX, has been claiming I owe them thousands of dollars and late fees since early XXXX. I have already made a complaint against them because every time I try to contact their customer service all they want to hear is " how am I going to pay ''.
PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX After the last complaint I was told that it was all about a {$36.00} escrow shortage. I immediately paid XXXX/XXXX/XXXX but that did not stop the constant belligerent phone harassment from PHH Mortgage Services. I have tried everything possible to rectify this debacle. I have all documentation that I never missed a payment. I can only retrieve the last 6 months ( see attached ) but I 'm sure I can contact XXXX to go back further.
PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX Please help. This company is ruthless and relentless in their harassment and my family is at their wits end. I am afraid something bad is going to happen and then I will have start suing PHH Mortgage Services, XXXX Mortgage Way, Mt. XXXX, NJ XXXX XXXX
|
| 08/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Since XX/XX/XXXX, I have been consistently paying half my mortgage payment every 2 weeks. The amounts would go into a suspense account, and then when the funds reached the amount ( or more ) of my monthly payment, they would properly apply the amount to principle, interest, and escrow.
Starting on XX/XX/XXXX, PHH Mortgage has been applying my partial payments directly to the principle of my mortgage loan ( without going into a suspense ) even though the balance of the suspense account would have been more than my monthly payments. I even made a full payment ( exceeding my monthly payment ), and they incorrectly applied that directly towards principle. Apparently if they do n't receive the EXACT monthly payment amount, they have no idea what it 's for and they put the amount towards principle, even though there has been absolutely nothing I said about a " principle payment only ''. Obviously I 'm not going to be making principle only payments if I have n't even paid my monthly payment.
They have also incorrectly applied somebody else 's weird payment amounts to my account, payment amounts I have never ever made. They have since deducted those amounts from my account, but it simply astonishes me that they ca n't even apply someone 's payments to the proper account.
I feel like this kind of business practice is predatory and designed only to get the consumer in trouble. I ca n't believe they treat their customers like this, let alone a military veteran like myself.
|
| 04/04/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Good Morning! My name is XXXX XXXX my loan number is XXXX, is I 'd like to request your assistance. In XXXX XXXX 2013 to be exact, my home of XXXX XXXX XXXX XXXX, XXXX XXXX, was foreclosed. By this company, this mortgage company unfair policy and practices PHH XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Phone number : XXXX XXXXXXXXXXXX. Prior to the foreclosure, I made several attempts to request assistance from the mortgage lender to help me obtain a loan modification in an effort to attempt to save my home. My request was based on the economic downturn of the economy which resulted in government employees not receiving pay raises, loss of income due to tax increases, and a government furlough. Due to PHH Mortgage Company 's irresponsibly and failure to respond to my questions or concerns, I lost my home. The XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection, and your company agree there was miss conduct had occur and you all paid me monies, what I would be in our best interested is that your company remove the foreclosure from my credit. I have the information that was provide to me from the XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection and the Veteran 's Affairs. If you all need a copy of this information please let me know. Thank you for your time and assistance. Please contact me with any questions you all may have. I would like to have my VA loan reinstated.
|
| 08/07/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have previously submitted XXXX complaints regarding our mortgager PHH and the illegal sale of our home. We were in foreclosure in the XX/XX/XXXX and were in the process of completing a mortgage modification application. PHH sold our home on XX/XX/XXXX. The sale occurred prior the the deadline for submission of required documents. When we brought this to the attention to PHH and the XXXX, PHH rescinded the sale almost 2 months later. This was after we moved out of our home out of fear of a sherrif 's eviction and a local realtor pressuring us. We have experienced stress and financial burden as a result of this. In a prior complaint with the XXXX, PHH responded, stating that an offer for modification was given in XX/XX/XXXX and was not returned by us. This was immediately after the sale rescinding. We did in fact respond to the modification offer in a letter stating that we were officially opting out of the offer. A letter was sent to PHH and we verified receipt.
We are in the process of suing PHH for fraud, breach of contract, and damages - as a result of the illegal sale of our home on XX/XX/XXXX. We are asking that you be part of the monitoring process, or if possible, assist us with this.
We have made initial contact with XXXX XXXX, liaison to the office chairman at PHH - XXXX X XXXX We have tried unsuccessfully this week to speak to an attorney at XXXX and XXXX, who represents PHH, - XXXX.
Please see attached documentation. Thank you.
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| 09/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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|
Web |
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XX/XX/XXXX contacted PHH requesting pre-approval in the amount of {$270000.00}. The XXXX requested our credit scores, I gave them to him and he said we would qualify for the loan at 4.125 %. We called XX/XX/XXXX to proceed with the loan. The XXXX said my husband 's school loans were $ XXXX and even though he 's not paying them now ( they are deferred ) we have to estimate a payment of {$1800.00}. We challenged this but he said that 's how they calculate it. We asked for alternatives. He thought for a minute and replied that I, the wife, could do the loan by myself. We asked him to work up some numbers. The XXXX was sent to us on XX/XX/XXXX but showed a 4.58 % interest rate. We were willing to accept because he said it 's because of our credit scores. Over the weekend I gathered my proof of assets - 401k, investment accounts and had them to him by Monday morning. He called Monday, XX/XX/XXXX saying, I 'm sorry about this but it 's been flagged as a predatory lending situation. To get us out of this, you will need to pay XXXX in points. We kept asking what this meant to the bottom line and what we had to come to closing with. He was vague. Eventually, we realized we would need an additional {$4300.00} to close. After stewing this over for a couple of days, I contacted them on XX/XX/XXXX at XXXX and told them we would not use them as a lender since it seems they are being discriminatory in their practices and have some predatory lending concerns.
|
| 09/20/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
We closed on our home XX/XX/XXXX with a perfect payment history even with my husband losing his ability to work due to his health. Then in XXXX of XXXX came Hurricane Irma which caused a financial hardship and a trickle down effect. We live in a very strict HOA and had to take care of trees and shrubs immediately. This along with the care of my husband took a huge toll on us, he did not have medical Insurance until XXXX of this year so everything was coming out of our pocket. When things calmed down from the hurricane we called our mortgage company PHH MORTGAGE and ask for help, they offered us three options one being A FORBEARANCE, A REFINANCE, OR A LOAN MODIFICATION. We ask PHH MORTGAGE to put everything behind on the back of the loan which the said they would do. We received a new coupon book with a lower payment that was to include PITI our payment was to start XX/XX/XXXX in the amount {$980.00} for XXXX, XXXX & XXXX then we had a 30 day grace for XXXX with a new modification and new payment of {$920.00} everything included. No mention of any shortage during the whole process of modification. PHH MORTGAGE contacted us after the closing documents were signed and said they now needed more money for escrow and taxes. A REAL ESTATE ADVISOR highly recommended that we investigate our mortgage due to the thousands of illegal loans and modifications done by PHH MORTGAGE where they did not follow Service Rules and they are still under indictment.
|
| 06/08/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Purchased home XXXX 2013 using XXXX, Coldwell Banker Mortgage and Coldwell Banker Title Co. One year later find out that they did my tax escrow at {$2400.00} when in fact my property tax are {$5500.00} per yr. I was told that for the next year my payment would go up {$400.00} per month and that for the next 28 years my payment would go up {$200.00} per month, a {$66000.00} mistake made by Coldwell Banker that I suffer for. I contacted Coldwell Banker to try to refi at the present interest rate which would of made my mortgage payment using the correct tax amount, with in {$20.00} of my true payment. They would not refi but told me to contact there mortgage modification. The modification dept. said they could not talk to me until I was 90days pass due. I stopped making payments and then contacted them again with no results. They would not redo my loan but could work my pass payments into a repayment plan along with my new tax problem. My payment then for the next 9 months would go up {$1000.00} per month. This company has destroyed my life, I now have bad credit, losing my home and for the XXXX time in my life have to file for bankruptcy. I am a XXXX XXXX XXXX Veteran and over the last year had problems and am at XXXX. The pressure of this problem with the mortgage company and all the problems it has caused in my life has not been good for my mental health. They have destroyed my life that I was at last putting together and moving forward.
|
| 11/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
When I was trying to get my mortgage modified they told me that I '' would n't get a modification unless I was three months behind and that they could not except partial payments, but I continued with filling out the paperwork anyway. I was then told that I might want to stop making payments. I submitted the paperwork and they took 7 months to review it and denied me a modification.We were devastated, then I hired XXXX 's for {$3000.00} and a few months later we recieved our loan modification. What we did n't realize is that we would still be on the hook for the arrears, so it 's like we did n't pay anything for all the years prior to the modification. ( XXXX original loan amount, current balance is {$120000.00} plus the arrears of XXXX = {$140000.00} ) Our loan was originated on XX/XX/2007 with payments of {$1500.00} /month until we recieved the loan mod. Now they giving us monthly statements with the XXXX mortgage amount added to the modified amount which makes the monthly payment say more that it is. ( Please see attached ) I talked to a " XXXX '' and I asked the to put the to numbers separate and they refused to do so. This is concerning because it will make it impossible to get our PMI removed ( $ XXXX/month ), they could be charging interest on the the arrears, and it makes the monthly payment more. Please see what you can do they are NOT practicing fair business, it 's more like predatory lending. Thank you, XXXX XXXX
|
| 11/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have my mortgage with PHH Mortgage since XX/XX/XXXX. I recently declared a Chapter XXXX. My Mortgage Company Froze my account until the case was resolved which I understand is the correct thing at that point. However, As perXXXX/XXXX/XXXX, my lawyer as told me that '' All disagreements about my case with my mortgage company have now finally been resolved and I can now start to make a regular monthly payment ''. I need to know the correct monthly amount now and going forward. as well because my annual escrow statement was mailed to me saying my payment will change, so I am also not sure which amount to use {$710.00} or {$670.00} or something else? However the BIGGER issue when I have now attempted to make a payment and get the correct amount to pay they tell me the amount, no one at PHH Mortgage will except or let me make my payment. They say their system has not been updated on the case details and my account is still Frozen. Some of The departments with PHH Mortgage that I have tried to make a payment too are : ( Regular Service Dept, Loss Mitigation, Foreclosure, Default, Online, Their Attorney and they tell me if I mail a payment and the system is not updated they would not even take that. They would send my check back to me with a letter ). By Bankruptcy law, I must make all required payments as indicated and this payment is one of them. By blocking me from making a payment, I can have my case dismissed by the court.
|
| 08/31/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXPHH Mortgage Corporation Loan Number : XXXX : Consumer Financial Protection BureauRegarding : XXXX XXXX XXXX XXXX XXXX ) PHH send me a letter dated XXXX/XXXX/2015, stating that I was not eligible for a Homeowners Assistance Program, and that you are the " owner of your mortgage loan : XXXX XXXX XXXX XXXX XXXX ''.
2 ) Your customer service department stated you are not he owner of my loan.
3 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage.
4 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage.
I 'm requesting of you to provide me under the California Homeowners Bill of Rights, Mortgage in General-California Civil Codes : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies.
Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee 's Sale for XXXX/XXXX/2015 and XXXX/XXXX/2015 All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo Signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Explain XXXX XXXX XXXX Explain XXXX Explain XXXX XXXX XXXX XXXX of XXXX pages
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am representing my client who has a mortgage with PHH Mortgage Services. In XX/XX/2019 her loan transferred servicing from XXXX to PHH Mortgage Services. As of today, XX/XX/2019, she has never received a mortgage statement from PHH Mortgage Services. She has also been denied access to her account on line at XXXX. She and I have continuously called XXXX, to spend an average of 1 hour on hold each time, and we are only able to speak with the collection department. When we request to speak with someone in Customer Service, we are conveniently hung up on.
Our largest concern is on XX/XX/2019, XXXX mailed the borrower a letter stating that " at this time, you have a suspense balance in the amount of {$580.00}. The total amount due is {$1700.00} ; therefore, an additional {$1100.00} is required to complete your payment. '' On XX/XX/2019 the borrower paid {$900.00} towards the arrears. Now XXXX Mortgage is stating that the suspense account only has a balance of {$900.00}, where as the balance should be {$1400.00}, with a balance due for XXXX in the amount of {$580.00}. PHH 's collection dept. states that she needs to pay {$880.00}. The true balance due for XXXX, and to bring the account current is {$240.00}, not the {$880.00} as they state.
The borrower needs to make her scheduled XX/XX/2019 payment to XXXX but she can't until she gets answers. The borrower and I have yet to be able to get assistance on the phone.
|
| 02/03/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I discovered that the mortgage company misapplied funds for my XX/XX/XXXX mortgage payment. I pay my monthly mortgage of {$1300.00} in XXXX payments. PHH received the first half of my payment XXXX {$670.00} XXXX for XX/XX/XXXX on XX/XX/XXXX and the second half ( {$670.00} ) on XX/XX/XXXX The payment received on XX/XX/XXXX was incorrectly applied to additional principal and not the mortgage payment. The second half of the XX/XX/XXXX payment and all subsequent payments have been appropriately applied to the mortgage payment.
I called PHH Mortgage Company on Monday, XX/XX/XXXX to advise them of the error and requested to have the XX/XX/XXXX payment for XX/XX/XXXX appropriately applied to the mortgage payment and not used as an additional principal payment. I was informed that my request would be reviewed and for me to call back next week for an answer.
I received a call from XXXX Mortgage XXXX ( XXXX ) today, XX/XX/XXXX, informing me that my request was denied and that the XX/XX/XXXX payment would not be applied to the mortgage and that I am responsible for bringing my account up to date for the XX/XX/XXXX mortgage payment. I explained to the representative that my XX/XX/XXXX mortgage payment was already paid in full and paid early with the XXXX part of the payment received on XX/XX/XXXX. I was told the payment was incomplete for XX/XX/XXXX and I am responsible for sending the second part of XX/XX/XXXX 's amount.
|
| 07/22/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
Was given a closing date of XXXX XXXX, 2016. XXXX XXXX came and we were notified that closing that day would be impossible due to underwriting issues. This was fine, after we were notified we talked to our loan processing rep XXXX XXXX. She told us that worst case scenario the closing would be by XX/XX/XXXX. After been given this information my husband and I took a week of vacation for the week of XXXX XXXX. On XXXX XXXX the last business day before our closing we were notified that closing would again be pushed back. At this point we contacted XXXX 's Supervisor XXXX XXXX, he assured us that worse case scenario the loan would be complete and we would be able to close on XXXX XXXX. Well it is now XXXX XXXX and at about XXXX we were contacted by our loan specialist XXXX letting us know that now we are looking at closing on XXXX XXXX. This is ridiculous. Not only has my family been living out of packed boxes since XXXX XXXX but my husband and I both used a week of vacation to make sure we would be off to move. Not only have we wasted a week of our vacation but we are constantly be strung along with these false expectations of closing dates that come and go and we are n't notified until the business day before that the actual closing date will be pushed back again. We are due out of the current place we are renting XXXX XXXX, if this closing gets pushed back even further I will owe for another month of rent.
|
| 08/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On an annual basis, PHH requires borrowers to upload renewed insurance information. I pay my flood insurance personally, that is not included in my escrow payment. The portal that they use to upload documents seems to never successfully work ( even though it states " Document upload Successful '' ). Back in XX/XX/XXXX, I received a letter from PHH stating that I was going to be billed {$1600.00} for flood insurance since I did not upload my new policy. I did however, upload my new policy information via their portal and then once again after receiving the letter. My policies are all current. I received a recent escrow analysis stating my escrow was short. The company representative stated {$1600.00} was pulled from escrow for flood insurance, flood insurance I already showed proof of paying. I have had my loan with them since XX/XX/XXXX and they are constantly messing up my escrow balance. For the 1st two years, they could not figure out my taxes and were issuing me a check for approximately {$2000.00} at the close of the year for the overage. An overage which I fought them on numerous times, however they stated they need time to figure it out. They are now stating that even though they doubled down and paid insurance which I showed evidence of, that my new bill is substantially higher to cover that deficit. I refuse to pay anymore than what I should be paying. Thank you for your review into this matter.
|
| 03/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We were in anticipation of have our PMI removed soon as the interest-bearing part of our modified loan is at 81.8 % LTV ( see attached ) We also have a post loan mod. document stating LTV was at 88 % ( see attached ) .When we received a document on XXXX/XXXX/2016 stating our LTV is at 96.4 % ( see attached ) in response to our request to have PMI removed.We were completely " surprised '' unfavorably at what they were trying to do here. We feel completely trapped in a {$330.00} / month PMI payment to XXXX XXXX through PHH mortgages apparent and then blatant violation of RESPA. ( see attached ) Or else why would the amount be so much if it was n't being divided up among the entities involved? Per our mortgage documents the XXXX balances should remain separate for such calculations ( see attached ) Also note on this sheet that not only is it the wrong principal balance but also, but it is the wrong langauge as to what is defined as " late '' for their reasons for the denial of the PMI removal. They say " late payments made in the last 12 months '' not " late payments of 30 days or more '' as it should read. They have been doing things like these mentioned ever since we even tried to get a loan modification, now they are trying the method of attaching the interest bearing amount to the non-interest bearing amount which is unfair and makes it eon impossible to remove PMI. Just disgusting greed on their part.
|
| 05/01/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/XXXX I received a " NOTICE OF SERVICING TRANSFER '' PHH Mortgage Services XXXX XXXX XXXX XXXX is now collecting the payments. XXXX will stop accepting payments received after XX/XX/XXXX PHH will collect the payments going forward. PHH will start accepting payments received on XX/XX/XXXX.
XXXX XXXX XXXX XXXX has joined forces, as a result, XXXX will be consolidating all mortgage accounts uner one company, PHH MORTGAGE SERVICES.
On XX/XX/XXXX XXXX Reported on XX/XX/XXXX a balance of {$120000.00} Direct Dispute/ XXXX XXXX Item Result Result : Deleted XXXX has deleted the account or record from you XXXX credit report.
Dispute Reasons : Accuracy : This account is too old to be on my credit report. There were fraudulent charges made on this account.
Now PHH MORTGAGE SERVICES claims I own them {$150000.00}.
The Account was opened on XX/XX/XXXX, ( 12 yrs 4 months ) highest balance {$130000.00}.
Last reported XX/XX/XXXX.
We had no contract with PHH MORTGAGE SERVICES. This account is too old to be on my credit report. Ther were fraudulent charges made on this account by XXXX XXXX XXXX XXXX.
RECORDS INDCATE ON XX/XX/XXXX XXXX XXXX XXXX DECIDED NOT GO FORWARD WITH THE SALE ON MY PROPERTY, it was canceled by the Attorneys from XXXX XXXX.
THE courts Dismissed our ORDER TO SHOW CAUSE, PLEASE SEND THIS COMPLAINT TO PHH MORTGATE SERVICER AT THERE CORPARTE HEADQUARTERS LOCATED IN XXXX N J
|
| 06/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Over the last 3 years I have went through several hardships. XXXX full term layoffs on unemployment and a divorce. I've been working with XXXX to retain my home and get a principal reduction and modification. I have been going through this process only to be denied for amount and time delinquent that I find at fault the the mortgage company PHH. On numerous occasions over the last 2 years they used the 60 and 90 day periods between XXXX visits not requesting a single document. Then several other times only requested statements, and stubs the things that go stale. After 2 years they deny my claim after building a huge file and say I can appeal. 3 months later I won the appeal and just received a trial that the payment is substantially higher than the original payment. No information on anything or why its so high. They sent paper work numerous times about an appraisal to revalue the house and nothing. My credit counselor advised me to write and see if there is anything you can do to assist me. I got my own appraisal and the house is worth almost $50,000 less than the loan. Several references show the house being worth XXXX. The loan is XXXX. On top of the payment being higher than ever. Please assist. I would really like to keep my home. I've obtained great employment time and time again. Have done everything asked from me and won the appeal. Only to have the payment raised substantially.
|
| 01/23/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have bi-weekly withdrawals out of our checking account every 2 weeks to pay our mortgage, hence making MORE payments than required. Apparently PHH mortgage uses a 3rd party named XXXX XXXX for their equity accelerator program. After 5 years of payments with no issues, I received a letter from PHH dated XX/XX/XXXX stating that my mortgage payment wasn't received. I received a statement on XX/XX/XXXX saying that the amount due for XX/XX/XXXX was {$5700.00}. I called and spoke with someone who was mediocre at best - but regardless, the " problem '' corrected itself.
Six months later, we start to receive phone calls, letters, and bills stating that our mortgage is past due. This is ludicrous because I am making payments bi-weekly as stated previously. I've called PHH SEVERAL times since receiving the first letter in XX/XX/XXXX, and to date ( XX/XX/XXXX ) they still have not resolved the issue with the billing company. PHH is issuing late fees to my account and leaving threatening voicemails regarding getting bill collectors and credit bureaus involved.
I am at my wits end with this company and their lousy customer service. My husband and I work very hard to ensure our bills are paid timely and have excellent credit scores as a result. I don't appreciate PHH mortgage company running our good credit into the ground simply because they can't communicate with the company that THEY hired!
|
| 02/22/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I assumed a loan from PHH mortgage. The original loan amount was XXXX. I assumed the loan in XXXX, at that time the insurance changed from XXXX to XXXX It was part of closing, the amount of the payment changed also, It was appx. XXXX. I began to pay an even XXXX In XXXX the mortgage company sent out an escrow statement indicating that I had a shortage because the insurance had changed. The insurance did not change in XXXX. The amount of the payment had already changed. They then asserted that the payment would be XXXX. I disagreed and requested they audit the account. The change in the insurance was appx XXXX and had been included in the closing and the payment of the loan so any shortage was a mistake on their end. Also, a XXXX change would not initiate a XXXX, which is indicated if the amount of the monthly payment is changed by XXXX as they assert. Their response was that their analysis was the audit, it was right, and there was no need for an additional audit. They then began calling the previous borrower that the loan was assumed from regarding this issue instead of working with me to resolve it. They sent me a letter of default indicating that the mortgage is behind two payments which it is not. I contacted them again, and they said they will initiate an audit for XXXX but can not halt the change in payment until the audit is done because they are sure that it is right.
|
| 09/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan # XXXXThis is an ongoing issue with this Mortgage Company. Our home WAS in foreclosure and reinstated as of X/XX/2017. Our XXXX 2017 payment was made through online bill pay and delivered as of X/XX/2017 ( Confirmation # XXXX ) Today the Mortgage company called to say that XX/XX/XXXX payment had not been received. I called and spoke to Rep XXXX XXXX who informed that our account has a payment freeze and can take up to two weeks to be removed after our loan has become reinstated. I informed XXXX that the loan had been reinstated more than 30 days ago. She informed that a Senior Manager must remove the freeze and our payment will transfer as soon as it has been released. Also, a charge of {$66.00} was listed on our XX/XX/XXXX Statement. When calling to inquire about the charge I spoke to 3 different Reps who gave me a different explanation each time. Apparently only {$11.00} was charged for a property inspection performed X/XX/2017 to confirm occupancy. Please note that this charge was incurred AFTER the loan had become reinstated. After a rude response and confusing explanation from Rep XXXX, I was transferred to a Senior manager who waved this inspection fee. This company continues to provide us with incorrect information and we were not informed of this freeze on our account. This company MUST be held responsible for continuing issues with customer service.
|
| 05/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
PHH Mortgage XXXX has engaged in a pattern of action that has prevented me from submitting a complete modification package. PHH actions have included : Refusal to access or acknowledge previously documented instructions and communications by PHH personnel to me with respect to steps to avoid default Case Managers/single point of contacts have stated " I do n't have access to your file or any records of previous conversations '' ... '' it 's not my job to find out what anyone in another PHH department told you '' Threats including threats for me to not communicate in writing Repeated loss of documents and accusations of non-submittal despite my file being submitted by XXXX HUD Counseling Agencies and ( NACA and XXXX XXXX XXXX XXXX XXXX Misrepresentations, false statements from the beginning of my hardship to the present that caused me harm and prevented me from avoiding damage to my credit standing Instructions by PHH representatives that were misleading, faulty and harmful that caused me to lose options that were available to me prior to my home going into default Repeated refusal to provide accurate information on whom was the investor and/or the means by which the Investor could be contacted Refusal to answer questions or requests for informationListing my home for Trustee sale at the same time a review for modification was stated as being in process
|
| 04/26/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
PHH Mortgage is repeatedly saying they did n't get my payments, it 's been happening since fall of last year. I mailed in a {$2700.00} in XXXX to catch up what they said I was behind and an {$850.00} check for XX/XX/XXXX 's payment. They sent back XX/XX/XXXX 's payment, which I mailed in XX/XX/XXXX. I received it back on XXXX XXXX, 2016. I called, told them they were n't getting late fees for sending it back, I copied it and remailed it within a week. I mailed XX/XX/XXXX 's payment in on XX/XX/XXXX, I mailed XX/XX/XXXX, late, on XX/XX/XXXX. The day after I mailed XX/XX/XXXX 's payment in, I received XX/XX/XXXX 's back again, saying that it did n't cover what was owed. XXXX XXXX, 2016, I mailed a check for {$3600.00}, covering all of XX/XX/XXXX through XX/XX/XXXX, less late fees since I have sent in the payments. As of today, they are claiming, AGAIN, that they did n't receive the check. I have tried contacting them via email about the check, I was told to call collections and make payment arrangements. I have paid! They are destroying my credit with their poor handling of their business. I can believe that MAYBE one payment does n't make it, but several? I am fed up!!!!! I tried to make a one time payment online today, it would n't let me. I get the run around. I think they are taking advantage of a XXXX, I am almost XXXX years old and have a VA loan.
|
| 05/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I sought out a new ARM loan to replace and re-finance XXXX existing home equity lines of credit ( HELOCs ) that I have at XXXX Home Loans ( part of Bank of America ). After extensive document submission and responses to other subsequent requests resulting in pre-approval, the Mortgage Officer attempted to mis-sell me a new, never discussed fixed rate loan or a fully amortized ARM meaning principal and interest rather than the Interest only ARM I applied for. Furthermore, the interest rate for the previously never discussed loan facility was to be materially higher ( despite having an interest rate lock in place at a much lower rate ) than my current HELOCs, which are to begin their principal repayment periods in 2016. This clear attempt at mis-selling is obviously intended to have me wind up with a product that is n't right for me and more expensive than my current credit facility and whose sole purpose was to generate fees and additional income to the lender with no improvement in my circumstances. What I applied for and was pre-approved for was : Loan Purpose : Refinance No Cashout Loan Amount : {>= $1,000,000} Occupancy type : Primary The contact personnel at XXXX are : XXXX Mortgage Services | Loan Processor XXXX XXXX XXXX | Direct : XXXX and XXXX XXXX Mortgage Services | Centralized Sales | Consultant NMLS # XXXX XXXX ext. XXXX | Fax : XXXX
|
| 07/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PHH created fraudulent loan history to force foreclosure/eviction on us, we 've proven payment for the loan of {$15000.00} PHH wanted us to sign, we paid XXXX Bank in cashiers checks, we did not owe PHH. We are missing {$35000.00} in payments, all cashed by PHH. I have proof of all of this..we were also part of the {$6.00} XXXX settlement only for PHH to foreclose/evict anyway, PHH did not follow the NJ XXXX stipulation to apply all our payments, remove fees and bring us current. PHH " somehow '' managed to evict us ... someone is on the take, payoffs, something is WRONG here, how could we pay and still get evicted???? PHH took our credit, our money, our home, our chance for retirement and our lives ... I want it back!!!!! I have many documents to prove theses statements including an offer from PHH for {$50000.00} over the redemption cost ( we were denied redemption ), and we had to sign an agreement to not sue, be part of a lawsuit or hold PHH accountable in any wrong doing. PHH evicted us while I was completing XXXX treatments ... .can you say scum of the earth? PHH needs to be held accountable for what they have done and are continuing to do to homeowners. We had trouble from the day we signed our mortgage, we were never in a modification, did n't need one..we needed PHH to apply payments they cashed. We had no problem paying our payments.
|
| 07/15/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have an FHA residential loan with PHH mortgage. On mortgage website I saw they hadapplied my full payment due on XXXX XXXX 2015 of {$1000.00} on principal only, I emailedthem on XXXX XXXX, 2015 to point out what they had done and to ask them to fix theremistake. They have not fixed the mistake I emailed them again on XXXX XXXX, XXXX, XXXX, XXXX 2015, Emails were also sent XXXX XXXX, XXXX, XXXX, XXXX 2015 I have gotten no answers and theproblem is not fixed, it is only getting worse They have only responded with emailssaying I have a late charge, my account needs attention, and a generic email ofthanking me and a customer service rep will get back to me in XXXX hours. I did receive a letter via USPS from a XXXX XXXX Liaison, Office of President of PHH Mortgage saying they look forward to providing me with the highest level of service As of todaythere website states I owe a XXXX XXXX, 2015 payment of {$1000.00} and XXXX XXXX, 2015 of {$1000.00} is coming due. There is also an amount of {$500.00} in a suspense account thatI am unsure of what they are doing with money ( all taxes and insurance are up to date ) Ihave asked them to reapply all funds to bring things current and to resend aninvoice/statement showing problem has been fixed As of today XXXX XXXX. 2015 I havereceived nothing from PHH Mortgage showing problem has been rectified.
|
| 03/02/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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My husband and I have applied for loan modifications with our mortgage company ( and received them ) a few times in the last few years. The problem is they have n't lowered the payments or interest rate. We recently filed bankruptcy but did not include our home. Our bankruptcy lawyer informed us about the HAMP program and we have a XXXX XXXX loan. Our mortgage company never mentioned this program to us and now are saying we do n't qualify because of our modifications.
Our bankruptcy lawyer suggested contacting you to help take care of this. I 'm certain we would have qualified for the HAMP back when we first applied for a modification and would like to see that remedied. Also, the attorney mentioned that we should n't have had to pay thousands of dollars to receive the modification ( which was required each time ) but we were not aware that they are n't supposed to require that so we had to take out a loan using my husbands XXXX account and because of that, his take home pay is {$800.00} less each month because of the loan payment right out of his paycheck.
I am quite frustrated with our Mortgage company PHH Mortgage as they have not helped us with the financial difficulties but made them considerably worse. Now they are saying we are going into foreclosure again on the XXXX of XXXX Please help.
XXXX and XXXX XXXX PHH Mtg LN # XXXX
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| 12/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX I refinanced my loan on the property that I 've lived in since XX/XX/XXXX ( the refinance was to remove my exhusband ). At that time, I was told that flood ins was not necessary and was provided a XXXX stating flood zone XXXX. ( I have never been required to purchase flood ins since owning the property beginning in XX/XX/XXXX. ) Now my mortgage co, PHH Mortgage, has stated that I 'm in XXXX XXXX and do have to purchase ; they purchased on my behalf and have begun to escrow to my acct. As the FEMA flood zone mapping has not changed since XX/XX/XXXX, I do not understand why this has changed and I 'm now required to purchase. Upon questioning this, I was told that it is because of a very, very small portion of the SE corner of my house as in the XXXX XXXX, however this is where my septic drainfield is located and is elevated due to this. The base elevation of my floor is XXXX ft XXXX in which is XXXX more feet about the XXXX ft 100 year flood standard. My house is on a concrete pad so there is no basement or crawl space that can flood. I would only have damage if the water gets over XXXX feet.
Also I know that my neighbors directly north of me were told by their bank that they did n't need a floor elevation on the survey since none of their property is in a flood zone, and my floor is XXXX in higher than theirs.
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| 02/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX made contact with PHH @ XXXX to get information to request a partial release.
this was sent to us XXXX Dear XXXX XXXX, Thank you for using our email service. I apologize for the delay.
I have requested for the requirements for a partial release of land to be mailed to the borrower. Please allow 7-10 business days for delivery.
XXXX borrower did not receive anything in the mail XXXX urgent request to PHH borrower has not received package also included borrower authorization.
XXXX urgent request to PHH with borrower auth need requirements for partial release request.
XXXX urgent request to PHH need update on status XXXX borrower did not receive a package only a letter of authorization to be completed. he sent that to us and we emailed to PHH XXXX called PHH finally someone told me they will not talk to me because they did not accept borrower signed authorization because his signature did not match.
I have called a total of about 5 times. I have had borrower cause a few times and they will only give me daily authorization and borrower will have to call in every time I need to talk to them.
this has delayed closing 3 months, and we still do not have the required list of items they need to request a partial reconveyance, and they still will not accept borrower authorization form they supplied for him to sign.
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| 02/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I have a mortgage with PHH Mortgage Co of XXXX XXXX
PHH has a responsibility to collect my monthly mortgage pmts in a timely manner via ACH Direct Debit as established on the ACH authorization form that I signed and submitted XX/XX/XXXX.
PHH was in compliance until I began to periodically submit clearly marked 'principle-only ' pts via check in XX/XX/XXXX. As directed by PHH, I always delay mailing these pmts until after the loan pmt is scheduled to be debited from my bank which is the XXXX of each month. Also, as directed by PHH, I mail the 'principle-only ' pmts to XXXX XXXX XXXX XXXX XXXX Yet, many times PHH is not taking the ACH debit action on the XXXX, but rather uses my 'principle-only ' check to cover that pmt due on the XXXX and applies only the balance of my check to the principle. The result is my loan pmt is delayed and my {$1000.00} 'principle-only ' check results in a mere {$440.00} applied to the principle.
I see this as a fraudulent means for PHH to manipulate and collect additional interest on this loan and to deny me my right to pay this loan off as quickly as I can.
I expect this mammoth mortgage company to honor our agreement to ALWAYS collect my loan pmt on the XXXX of each month via ACH direct debit. I also expect PHH to ALWAYS timely credit XXXX % of 'principle-only ' pmts to my principle.
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| 06/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage ( PHH ) has failed to provide me timely and appropriate notification of my loan transfer in accordance with 12 C.F.R 1024.33.
PHH is/was my mortgage loan service. On XX/XX/XXXX, I received a letter from XXXX XXXX ( XXXX ) explaining that PHH transferred my loan to XXXX effective XX/XX/XXXX. PHH never sent me notification ( either physical or electronic ) of this transfer, so I did not know if the loan transfer was in fact real. After checking my documents online on PHH 's website. I confirmed that there was no official indication from PHH that my loan was transferred. In addition, my account in PHH 's website contained a new statement asking for my next mortgage payment by XX/XX/XXXX. At this time, XXXX was also asking for my next mortgage payment by XX/XX/XXXX. It was not until I personally called PHH that they confirmed that my loan was transferred. While on the phone, I asked to speak to a supervisor. They kept me on hold for about 30 minutes and then hung up on me.
How is a customer suppose to maintain proper financial standing if loan servicers transfer loans without any notification in violation of the requirements? In this case, by issuing a new statement requesting my payment, PHH was trying to take additional money from me. PHH should be fined for its illegal and inappropriate behavior.
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| 01/05/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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I, along with my former spouse, originated a home loan in XX/XX/XXXX with a maturity date of XX/XX/XXXX. Upon our divorce in XX/XX/XXXX, I was advised that the loan had been refinanced to remove me from the loan and subsequently signed a quit claim deed to relinquish my ownership rights. In reviewing my credit reports, I have since determined that the mortgage obligation still remains under my name. In communicating with PHH Mortgage, it has been determined that the loan has been modified twice and the terms of the original agreement I signed in XX/XX/XXXX have been changed without my knowledge or consent. The loan maturity date is now slated for XX/XX/XXXX, 17 years beyond the terms I originally agreed to and signed for. PHH was fully aware of the fact that I no longer owned the home ( as they have the quit claim deed on file ) and that the marriage had dissolved as of XX/XX/XXXX, yet they knowingly processed changes to the loan terms without question or concern and did so without ever contacting me or obtaining my signature to agree to the changes. I have called PHH repeatedly to have this resolved and have my name removed from the loan, to no avail. I have even been advised by a PHH representative that they can not provide me with further details regarding the loan activity because I do n't own the home.
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| 08/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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We have other complaints ongoing regarding PHH @ loan # XXXX that are still unresolved. This complaint is regarding the property taxes that are payed with our mortgage payment as terms of our approved loan modification. XXXX paid the property tax payment due XXXX XXXX XXXX. We had our check for the taxes returned from XXXX County with a letter saying the taxes were already paid. The loan was transferred to PHH and they did not pay the XXXX XXXX XXXX installment in violation of the approved loan modification. All trial payments were made on the date they were due. I am attaching a letter from PHH that we are being charged for the taxes in an escrow acct. this fraud. I am also attaching a letter from PHH dated XXXX XXXX th. stating they are honoring the plan when they receive the final trial payment due XX/XX/XXXX.When they wrote this letter the payment had been in their bank since XXXX XXXX XXXX, .over two weeks earlier than the letter .PHH has also sent back our XXXX XXXX payment and all future payments. I have made numerous phone calls to XXXX XXXX with PHH who signed the XXXX XXXX th. to no avail. She keeps telling me to have patience that it will be worked out. I have no confidence in this firm to get this resolve without legal help to protect us. This is affecting our families health and well being.
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| 03/16/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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This is a formal complaint and request for an immediate cancellation of the schedule foreclosure sale date on my property. I am asking for your protection intervention and investigation on this egregious matter. XXXX mortgage C/O PHH Mortgage services have acted in bad faith, every time I have submitted a Loan Modification Application I have been given notice of sale notices and I have been told that my application will not be reviewed. These fake debt collectors, have not verified with my consumer request and validation notice file with the XXXX county clerk 's Office on XXXX XXXX, 2016. XXXX mortgage C/O PHH Mortgage services failed to validate the alleged debt with the original creditors with true and certify signed original contract, and through audit certification of debt entry in accordance with XXXX, and XXXX. Not to mentioned that the debt was paid in full once the 60 days of default of payment The PMI paid the total balance, and in each assignment of mortgage thereafter money was being circulating supported of my signature, also with the government plan bail out ... .which supposedly was design to help home owners ... ... and XXXX mortgage C/O PHH Mortgage services after all this monies received on my signature wants to sell my home??? Outrageous PLEASE HELP ME STOP THE SALE OF MY HOME!!!!
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| 06/04/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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My existing mortgage holder XXXX allowed me to do a loan modification, after finishing the three month trial period, they were taken over by another mortgage company PHH. I received a letter telling me not to worry about payments until the modification was done. I called them every two weeks asking what the payment amount was going to be, they told me I would receive a packet from XXXX with the paperwork and auto-pay documents for my credit union, my preferred method of payment and that was how my payments were previously made.That was in XXXX it is now XXXX and I have still not gotten any answers. They have received four payments, and they are not reflected on my mortgage, they are showing up in my credit report as late, I have called and pointed out they have the payments, they told me they can't apply them until the modification is done. I have been told the modification process takes about two months and during that time no payment is due, they said they would add the two months onto the end of the loan extending it. Four months worth of payments are just sitting there, and I am getting ready to send in this month, not sure why, they are going to report it late, they claim they will straighten this out after the modification is done. After waiting SIX months, I am not sure it will be done!!
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| 03/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We have filed a complaint against our mortgage company twice on this website. The first time we got no response from anyone! This time we received a response from the President 's office of our mortgage company. To date, they have put us off twice already saying they are " researching our file ''. We have an attorney and have sent the required paperwork XXXX times for help and assistance.Today we received a letter from PHH 's attorney saying they are recommending foreclosure. No help and NO acknowledgement from them. Now more money will be tacked onto our account for their gross errors for their attorneys fees and that doesnt ' even include ours!!!!!! This game has to stop!!!!!! They take our money and give us NO credit to our account for it or they send our payments back to us. They say they are sending paperwork to us but do n't. They called and offered to allow us to pay {$720.00} a month and a reduction in principle, we agreed, then they never sent paperwork to us. Now they are not following through with that offer. They promised paperwork after a forbearance plan, no paperwork arrived. This is a big game to them but it has to stop now!!! This Bureau source has been no help to us so we are moving on up the ladder. This is a horrible injustice to us and others like us and has to end now!!!
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| 01/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I sent a check # XXXX in the amount of {$22000.00} to PHH Mortgage to pay off my mortgage in full ; I used their own online payoff calculation tool to get to that number, I even included an extra five days to cover any mailing delays. On Monday the XX/XX/XXXX I received a form letter from them and my returned check stating that " Certified funds are required for payoff. '' It seems ironic that over eight years I sent them over 90 personal checks that were always perfectly acceptable to them, not a single check was ever late or overdrawn, I have a perfect record with PHH. This is some sort of a scam or a hustle to prolong the loan by a few more weeks in order to continue to bill a consumer for phony interest charges. This game of theirs cost me an additional {$37.00} in interest and an additional {$25.00} charge by PHH to process the wire transfer. {$62.00} may not seem like a lot of money to you, but if this is their business practice and they are doing this to thousands of consumers then the numbers do continue to add up ; much like XXXX XXXX and XXXX this is a dishonest and deceptive business practice. PHH should be inspected and fined for its business practices.
BTW ; I made three separate, lengthy and highly frustrating phone calls with PHH before filing this complaint.
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| 07/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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This is my second complaint to CFPB against PHH. In XXXX XXXX, I filed a complaint against PHH. However, before PHH could respond, XXXX, to which PHH had sold the Property already started eviction actions against me ( XXXX XXXX ). Therefore by the time PHH responded to the CFPB complaint in XXXX XXXX - essentially admitting their errors in fulfilling the agreed TPP - I had filed a civil complaint against both PHH and XXXX to protect my rights against their unlawful foreclosure and eviction actions, respectively. Because I have been proceeding pro se, both PHH and XXXX have continued to drag out this easily discernible injustice by legal maneuverings which I have been inadequately trying to defend. As a result, PHH has been able to skirt the issue of their failure to deal fairly in the execution of the TPP which was in place in XXXX and which, by their own admission, I never violated. My appeal is that CFPB will use a plain and straightforward method of enforcing the applicable regulations with which PHH has refused to comply for these 6 years ( from the onset of the TPP ) to date.
Specific details, including timelines and pertinent court orders to date are in the attached documents. As of today 's date, my family and I face imminent but unlawful eviction from the Property at XXXX PA XXXX.
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| 08/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Borrower is currently facing a foreclosure sale of his home scheduled to be held on XXXX XXXX, 2017. Please see notice of sale attached hereto. On XXXX XXXX, 2017 borrower, through his attorneys, submitted a complete application for loss mitigation to his loan servicer PHH Mortgage. Please see application for loss mitigation and confirmation of fax delivery attached hereto. On XXXX XXXX, 2017 PHH Mortgage issued a letter stating that borrower 's application for loss mitigation was been denied as incomplete. This letter cited no documents as missing from borrower 's application. Please see letter from PHH Mortgage dated XXXX XXXX, 2017 attached hereto. We assert that borrower 's complete application was submitted more than 37 days prior to a sale date andso PHH is required by 12 CFR 1024.41 ( c ) ( 1 ) to evaluate borrower for all loss mitigation within 30 days of receipt of the complete application. Additionally, PHH Mortgage failed to cite any documents as missing from borrower 's application in their notice of XXXX XXXX, 2017. This being the case, pursuant to 12 CFR 1024.41 ( c ) ( 2 ) ( iv ) borrower 's application for assistance is facially complete. As borrower 's application is facially complete, borrower is forbidden from conducting the foreclosure sale by 12 CFR 1024.41 ( g ).
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| 11/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I have had PHH mortgage since XXXX/XXXX/XXXX I have always made my payments on time and on and around XX/XX/XXXX I reached out to PHH to request a Loan Modification due to the fact that I had lost my business and was in a bad auto accident which did n't allow me to work as much as I used to in my younger days. The agent stated they could not help me because I was current and owned another property with them, the agent recommended for me to fall behind on XXXX homes so I can be reviewed for a loan modification. My other home XXXX was foreclosed on by PHH mortgage on XXXX/XXXX/XXXX. The home was up for sale and this information was communicated with PHH and they agreed to stop the date but they still foreclosed on the home. Now they are trying to foreclose on my primary residence were me and my wife reside. We applied for a loan modification several times and agree they have all documents then in 2-3 weeks they request the same information from us. We feel they will foreclose on our last home me and my wife owned If we do not get help now. Our foreclosure is scheduled for XXXX/XXXX/XXXX @ XXXX. I feel since I was under review for loan modification PHH mortgage is in violation of the California Home owners Bill of Right law which is set to protect us from issues such as this.
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| 08/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XXXX/XXXX/15 -- I sent a letter to my mortgage company, PHH, requesting autodraft out of a new account. I included a voided check.
XXXX/XXXX/15 -- letter was received ( according to PHH offshored customer service ) XXXX/XXXX/15 ( approx ) -- called PHH XXXX customer service to confirm XXXX -- letter from PHH, received by me, confirming the changeXX/XX/XXXX -- autodraft made out of WRONG account ; my bank assesses me {$35.00} NSF feeXX/XX/2015 -- I immediately call PHH customer service to alert them ; request refund of the {$35.00} ; told to write a letter and fax to them, requesting refund. Also I request a letter of apology that I can take to my bank and have placed in my fileXX/XX/2015 -- faxed letter as XXXX -- received generic customer service letter providing contact info for United States based representative, and inviting contact for further resolutionXX/XX/2015 -- called and left message with US based customer service rep ; no responseXX/XX/2015 -- emailed same US based customer service repThus far, have not received the {$35.00} refund I requested, nor have received the apology letter requested for my file at my bank.
On XXXX/XXXX/15, I requested the offshored customer service to have some one from the US-based corporate office call me ; has n't happened yet.
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| 10/31/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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Around the XXXX of XXXX, i contacted PHH Mortgage to see if i could skip a month 's payment due to the hurricane devastation in our XXXX Texas area. I was told about a program they had, but would have to pay all missed payments back eventually. Duh.. that was my intention. I got on the program thinking I 'd be back to paying my normal payments in XXXX, and just make an extra payment in XXXX to cover XXXX. Well, that did n't happen. Every day starting in XXXX, i got a debt collection call from PHH Mortgage about my " delinquent payment. '' And since then, I 've been receiving letters from PHH Mortgage about ( 1 ) delinquent payment ( s ), ( 2 ) ways to avoid losing your home, ( 3 ) credit score may be impacted and ( 4 ) lump sum " XXXX '' due XXXX/XXXX/XXXX ... yes that 's right XXXX!
Through the disguise of " XXXX '' PHH Mortgage has been able to harass me daily! Through calls and mail! They have not helped me ... .they have turned a natural disaster into a nightmare. Other companies have allowed me to temporarily halt payments ... .without any harassment at all, with a clear understanding that i would return to regular payments on a given date and my owed balance would remain the same.
PHH Mortgage seems to be using this devastation to rob me of my home and sanity!
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| 05/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I submitted a " notice of error '' to my mortgage provider, PHH. I called their help line and they gave me the address to submit to. i received no answer and repeated the process 2 more times. i sent an email to them too. they stated in the email that i submitted to the wrong address. I explained that i had submitted a CFPB and PHH explained that the complaint would not be recognized since i sent the correspondence to the wrong address. i took there advice and resent to the address they suggested. there has been no response. i am not taking their advice and resubmitting my complaint. they have.
Over billing me by {$2800.00} in escrow charges that have no supporting evidence Refusing to credit me for payments made to PHH in the amount of {$7600.00} Failure to respond to my inquires on these matters for over 90 days Creating a notation in your case management system on XXXX/XXXX/15 at XXXX that the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken.
Creating a notation in your case management system on XXXX/XXXX/15 at XXXXthat the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken.
Showing that I have a shortage of {$14000.00} when I do not.
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| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Please note that this is my second complaint against the same company regarding the same mortgage. I am purchasing a property for the first time. I was advised to lock in my mortgage rate, guaranteed that I would receive a loan commitment letter the following business day ( Monday ). I did not receive it until weeks later. I am purchasing a co-op, and the process is lengthy, every single day of a rate lock counts. I advised the mortgage company that I did not want this rate locked in any longer, as I did n't receive the commitment letter timely. Additionally, it came to my attention that my credit was run by PHH another time before my rate lock, and a delinquent account appeared. I was never advised of this account by anyone at PHH, and only knew this affected my rate until early XXXX when XXXX advised me ( 2 mon ths later ). I am now being told that they can not change my rate, and that it was extended after I advised a supervisor at PHH that this was not what I wanted.
In addition to this, I was told that I can not lock in another rate unti l 60 da ys after my current lock expires. This is unacceptable, as the only reason the current lock even occurred is due to PHH being unethical in their practice s and misinforming consumers.
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| 04/19/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I have been going through the loan modification with PHH Mo rtgage and was finally approved in XXXX XXXX . I finally received my loan modification ( trial documents ) i n XXXX XXXX . I have made all three required payments as set out in the loan modification paperwork ( please see attached copies of check s ). All ch ecks were sent overnight signature required. I contact ed PHH Mortgage on several different occasions to confirm receipt of payments and was told that my account was current. I recently spoke with my personal ca se manager on or about XXXX XXXX XXXX and he confirmed that my account is in good standing and that all payments had been received. I received a call this morning, XXXX XXXX XXXX at XXXX from my VA representative informing me that he had been contacted on XXXX XXXX XXXX by PHH Mortgage that my account was delinquent and he wanted to know if I had fallen behind on any payments. I assured him that all payments had been made and in fact I had just recently confirmed this information with my case manager. This seems to be an ongoing issue w ith PHH Mo rtgage and their lack of accurate book keeping. This is my third complaint to CFPB regarding this mortgage company and I feel it will not be my last.
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| 04/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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I am XXXX military. I 've had a mortgage loan with PHH since XX/XX/XXXX. I 've never missed a payment until last year. In XXXX of last year I found out my husband was XXXX from the military and I would be the only XXXX with a job and we have XXXX kids. I contacted PHH ( XXXX XXXX ) in XX/XX/XXXX to request aid with my load. She had me fill out some forms and submit tax returns, pay and bank statements. Since then we have gone back and forth. She continues to ask me for the same forms and documents I 've already submitted multiple times. She will tell me that 's all she needs and my case will be submitted but a month later she sends me an email asking if I still want to do a deed in Lieu request and again asks me for the same forms again. This has been happening for almost a year. My husband got out in XXXX of last year and I started missing my mortgage payments. My credit is ruined and my deed in lieu of still has n't been submitted. I 've contacted her supervisor ( XXXX XXXX ) and she had XXXX XXXX contact me again ( a month after I contacted her ) asking for the same things I 've sent at least XXXX times. I 'm stuck and do n't know what I can do. No one can be this incompetent of they must be playing with me so they do n't have to help.
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| 02/19/2018 |
Yes |
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Web |
Older American |
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In XX/XX/2017, I co-signed on a house with my son.
We are not behind on payments or otherwise in breach of contract.
I am suspicious the note is fraudulent as we were never given a loan as stated in the promise to pay.
The note is not notarized or signed by any bank. I have had written correspondence via certified mail with all parties at the closing table including the assigned servicer ( XXXX ) asking for proof of the loan and have not received any proof of a loan only a copy of an EFT from the lender ( PHH ) saying they transferred money to the servicer.
I wish to rescind the note as there is no evidence of an ACV loan made and despite my asking at pre-closing as well as at the actual closing, the details of how the note was to be securitized were avoided and never disclosed.
It is my belief that the originator used my sons and my loan application ( SS numbers ) as a security instrument that was used to withdraw the money from our own XXXX accounts, and then further sold the promise to pay as a bearer certificate to the open market.
Clearly, through lack of any ACV transaction and lack of full disclosure, the note is fraudulent.
Because of the scheme, how do I get the note rescinded?
Thank you for any help.
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| 05/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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My home is currently for sale and under contract scheduled to close in the next two weeks. My current mortgage company has XXXX in escrow for real estate taxes. I first requested that escrow be canceled and they send me the funds so that I could use them to establish escrow on the new home I am purchasing. They denied my request. I then requested that they subtract escrow off my payoff statement and I never received a response. I explained that I would be contacting the CFPB if we could not reach a mutually acceptable agreement. We originally purchased our current home in XXXX XXXX well before escrow rules changes under Frank Dodd. I couple of years back I requested to cancel the escrow of homeowners and they did that without a problem. This mortgage company is holding my escrow funds hostage and refuses to send the money to us. They said we should receive the funds 15 days after the loan is paid off. How are consumers supposed to set up new escrow? I believe this causes consumer harm.
I have have been a customer of PHH Mortgage since XX/XX/XXXX with XXXX separate loans. We have never been late. Not ONCE. As a matter of fact, if you check our payment history we generally pay over the amount due and pay 5 to 10 days early.
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| 08/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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Web |
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I requested all the documents including my credit file and emails from PHH Mortgage on my loan a few weeks ago. When I did not hear anything after a week I called and spoke with someone in the Office of the President, XXXX XXXX. XXXX XXXX sent me a secure email with my application from XX/XX/XXXX attached but stated they ( Mortgage Services ) did not keep emails and that she could not release to me a copy of the credit report from XX/XX/XXXX with my file I would have to contact the credit bureaus. Looking back and previous mortgage XXXX as supplied with a copy of the credit report. The credit report from XX/XX/XXXX I am seeking proves I do not owe a loan XXXX XXXX XXXX is fraudently trying to collect from me and has placed my home in foreclosure because I refuse to pay them. PPH Mortgage sold my loan to XXXX XXXX and only services it but they have the paperwork which proves my claim that I did not reuse a loan opened in XX/XX/XXXX. I believe they will not provide me with the emails ( everyone keeps emails ) and the credit report because XXXX XXXX has made up documents and this will prove it. My complaint is why are they not required to provide me with the forms and emails I requested as I am sure they are part of the file.
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| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Two months ago my personal checking account was overdrawn. In researching it I found out that XXXX XXXX over charged my mortgage payment by {$600.00} its causing such. I called XXXX XXXX XXXX to find out how it happened and advise them not to allow it again. Next month it happened again. Overdrawing my account. XXXX XXXX outsources the mortgage payment process to PHH. I tried to set up bill pay through XXXX XXXX XXXX for last months bill. XXXX XXXX XXXX rather than paying PHH mailed a certified check to my home. PHH collections are making calls to me and Im trying to make the correct payment. The reason for the additional XXXX is that my insurance did laps. Which I resolved immediately. My insurance agent sent proof. They also claim that I did not pay property tax. I called XXXX XXXX XXXX tax appraiser who advised me that the taxes were paid and sent me proof by mail of a receipt.No one at PHH or XXXX XXXX will give me an email to send in the proof of tax payment. The last two times Ive spoken with PHH, I was promised that they would call me back the next day with resolution. It never happened. Today, I was left on hold for 10 minutes and then hung up on.
Any assistance and or guidance will be gratefully appreciated.
|
| 02/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Hello, I writing regarding an unlawful foreclosure by PHH Mortgage Services in violation of my SCRA rights.
I am a XXXX XXXX XXXX Vet. I purchased the property in XXXX XXXX in XXXX using a VA home loan and made perfect payments for 5 years in XXXX I XXXX again and while I was away PHH started a foreclosure with no attempt to stay the proceedings until I returned. When I returned in XXXX of XXXX they did not attempt to hold off and allow me to re-modify the loan. This moment in my life made a huge negative impact. I felt I could n't function in " normal society '' I was broke, and signed my self up to go back again feeling I had to go to make a large enough savings account to get my life " back on track '' and since then I have been diagnosed with a VA XXXX rating of XXXX and struggle with XXXX every day. In XXXX I went XXXX my XXXX and be able to function and hold a job. Since then I got a job at XXXX XXXX and in my training I learned more about SCRA rights and realized I was a victim by a company who knew I was XXXX, and played off my lack of knowledge of my rights.
Please assist me in what information do I need to provide to substantiate what took place and what I can do about it.
XXXX XXXX, XXXX XXXX.
XXXX
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| 07/31/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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I received a bill from the tax assessors office stating that the taxes on my property had not been paid and are over due, nearing litigation phase. I promptly call to confirm and indeed they had not. I asked if the interest and fees can be waived and they can not, stating that just because you do not receive the bill does not mean anything, it was still my responsibility to pay the taxes. To avoid further fees I paid the tax bill with penalty and interest in full. I then called PHH mortgage company to as they reimburse me for the penalty and interest fee and they needed to see the paper work. I sent them all the paper work I had and said I should hear back by Friday ( now Monday ). I did not hear back so I followed up the following Tuesday. Which is when I was informed they would not reimburse me for the incurred fees. The problem being that the property being a duplex which I reside on one side of ( but own both sides ) has two parcel numbers. It has always had two parcel numbers, but the escrow just pays one account. Both parcel numbers have been on the previous year billings. Long story short they only paid half of the property taxes and will not reimburse me for the charges which arouse from their mistakes.
|
| 09/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead of XXXX XXXX. The servicer of the loan is PHH Mortgage Services.
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set for XX/XX/XXXX.
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below.
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies.
1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain Silver State Financial involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 ) Explain XXXX involvement14 ) Explain XXXX XXXX XXXX XXXX ) Explain Mortgage Electronic Registration System involvement
|
| 01/04/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have my payment on auto pay. I have at times encounter that the change in payment does n't go thru. ( 3x ) I have always paid. Now at first it did n't register. But now that it has happened again I think this practice is very shady and unethical. My auto payment goes thru but since the sum has changed PHH Mortgage Co. does not apply the payment to the current month. It claim it goes to principal and therefore causes my account to go delinquent. On top of this they XXXX a late fee. So you can imagine my surprise when I received a bill more than double what I am used to paying. To top it off..To rectify the issue they have to file and wait for another department to XXXX and refund or deny etc.. in 15 days which causes me to be more late.Which puts me in jeopardy of more late fees! I do not understand how no one is addressing this. They are cause this so they can collect more revenue from customers. It should be a simple fix.
Oh and by the way the agent are not notifying me of this I sent a check for the diff in payment not knowing there was a late fee. Now I just received a bill for the monthly payment they claim was n't paid ... yet the monies ( to their benefit ) went elsewhere. This can not be legal
|
| 11/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I paid off my mortgage loan in XXXX XXXX with PHH Mortgage Services and can not get them to release the loan. In XXXX I took out a mortgage with my husband. This loan was paid off in XXXX when we divorced. I took out a new mortgage ONLY IN MY NAME to close out the joint loan with my husband. The joint loan should have been released in XXXX, but PHH sent me this release earlier this year. What I have been trying to get PHH to do is to release the mortgage that was only in my name. I called PHH on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. They kept telling me that they were working on the correct release. I then sent them a letter on XXXX XXXX, XXXX. PHH still has not released the loan in my name that I took out in XXXX.It was not a refinance of the original loan because I was taking the loan out only in my name and paid the joint loan off in XXXX to erase any connection to the home with my former husband. I need to get the release as soon as possible. This tremendous delay has made it now an urgent situation because I am planning to sell my house in the first quarter of next year ( XXXX ). Please do what you can to urge PHH to release the correct loan that had only my name on it. Thank you.
|
| 11/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage loan with the PHH mortgage Corporation, their payment processing center is based in XXXX, PA. Their mailing address is PHH Mortgage Corporation , Mortgage Services Center , XXXX. XXXX XXXX, XXXX, PA XXXX. The problem is this I have been sending my payments each month in the form of money orders to this address and it always reached on time for the XXXX of each month and even before that. Recently as far back as XXXX, 2018, they started sending me late payment notices stating that my mortgage payment was late, and imposed a fee of {$31.00}, whenever they claimed it was late. However, I send in my mortgage payment by theXXXX of the previous month for the next month to ensure that it is on time. E.g. on XX/XX/2018, I mailed the payment from my neighborhood in XXXX, N.Y., for XX/XX/2018. I went to my post office to find out how long it takes for a letter to reach Pennsylvania from XXXX, N.Y., the clerk told me it takes 2-3 days for the most, and look how many days in advance I have mailed the payment. Also I include {$20000.00} extra each month to lower the principle, so I believe they are deliberately holding back my payments to give me a late charge! In previous times, they have taken
|
| 02/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
The home at XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX was purchased with a loan though XXXX XXXX, ( no Doc. / Adjustable ), with the payments made to XXXX XXXX XXXX. There was never a late payment for over 7 years. My family developed financial issues due to medical difficulties and I ended up defaulting. I advised XXXX representatives that I was interested in finding a solution. For many months I worked with their representatives providing many, many documents, bank records, Veterans info etc. Finally, following months of discussions I was told that the foreclosure was cancelled and that I would receive a new loan opportunity. That was on a Monday. the Tuesday, following that Monday 's discussion, I answered the doorbell to be met by a sheriff telling me that there had been a Trustee 's Sale that morning and that I had 48hrs. to vacate. I contacted XXXX and they stated that there had been a mistake and that they would get back to me. four days later I called the XXXX representative I had been speaking to and she advised me that there was nothing that could be done. I subsequently moved. The loss of the home caused a fracture of my marriage and a significant loss of potential equity.
|
| 10/16/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I previously had a mortgage through PHH Mortgage. I recently refinanced my mortgage through XXXX. XXXX requested a current pay off statement from PHH on XXXX occasions in XXXX and PHH refused to provide a current pay off statement. They initially provided a payoff statement through XXXX XXXX and then provided a payoff statement through XXXX XXXX. We closed our refi and sent payment on XXXX/XXXX/15 to PHH overpaying our interest through XXXX XXXX. PHH refunded the balance of our escrow account. However, they DOUBLE PAID our PMI first before refunding. Our PMI was current and there was no reason for the double payment. We no longer use the same PMI company and I believe I am owed a refund of the duplicate payment. PHH has also not refunded the overpayment of 20 days of interest ( XXXX through XXXX ). I have called PHH to request info on where my overpayment went and they have refused to provide info. I asked for a statement of how much my overpayment was and they advised they did not have that information. They did not answer my question when I asked about the duplicate PMI Payment. They offered to send me a list of my payments XXXX which I am able to see online ) but then never faxed it.
|
| 04/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We had mailed our mortgage payment well over two weeks prior to the due date. However they never cashed the check so we called and made a payment plus the fee for paying over the phone. Because they had not recieved the check. However the next day they cashed our check. When we called them and asked why this happened they said that it was in pending when we had called yesterday. We requested that we get a refund for one of the payments we have bills that need to be paid. They said they can refund it it with a written request. So we faxed the request immediately over and were expecting to recieve our refund in 3 to 5 buisness days. We never recieved a check. Now our mortgage is due again we called asking when our check would come in mail because we are mailing the XXXX 2016 check today. They responded that the extra payment was applied to principal that they never recieved our written request. Yet our fax machine sends a confirmation when a fax goes through. Now we also found out that they have not been sending the appropriate amount due it was not showing the money needes in escrow. The ethics of this company does not seem to exist. Sadly we are only on month two of our 30 year loan.
|
| 02/08/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX, my husband and I took out a home equity loan to clear up some credit card debts. The day we signed, we had no idea how long this loan was for or anything. We got the bill and for 8 years have been paying around $600 a month. All this time we noticed that our principal was not getting any lower and that by now the loan had to have been paid for. XX/XX/XXXX there was an additional charge of around $XXXX we called the company around XXXX and they said that we were now paying on the principal and the interest. We told them that we were not able to pay that amount. They took a bunch of information from us and said they would assign us a case worker. They were sending us some paperwork that never came. We called again on XX/XX/XXXX. I had also requested a copy of our loan papers by USPS on that day. We had to give them all the information again. We got the paperwork but don’t understand what to do with it. My husband called the case worker on XX/XX/XXXX and she doesn’t come in until noon eastern central time. My husband works 2nd shift and leaves just after noon each day to get to work. We still have not received the copy of the loan papers. What can we do about this?
|
| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
The night before closing XXXX/XXXX/15 at XXXX we received a phone call from our real estate agent stating we had to bring additional money to closing. We initially thought we were going to make a cash profit on top of our XXXX percent down payment from the home that we were selling. We got this information from the closing disclosure we signed on XXXX XXXX and that total was {$52000.00}. In the beginning of obtaining the mortgage on XXXX XXXX, 2015 we were given an estimated closing disclosure but we were continuously told that it would change. On the night before closing, our agent called to tell us that the FINAL disclosure was incorrect and we were to actually pay the estimated amount on the closing disclosure {$55000.00}. This was all conducted over the phone and no one from the mortgage company or Coldwell banker provided us with any information via email until XXXX. I do not understand how an official document that we signed can be altered less than 24 hours prior to closing. It was very unprofessional and we felt as if we were being taken advantage of or that we were being scammed by our agent/ mortgage company. Essentially we were responsible for paying for their mistake.
|
| 05/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
PHH Mortgage sent our tax money ( fro m our escrow account on XXXX XXXX XXXX ) to their 3rd party administrator that was supposed to then send it to our local township. After closing on the sale of our house ( XXXX XXXX XXXX ), our local treasurer had been in constant contact with us to figure out where our missing money w as ( all the while, PHH kept confirming they had sent the money ). We received letters from PHH ( XXXX dated XXXX XXXX , XXXX and XXXX dated XXXX XXXX , XXXX ) confirming that they had sent the money to our local township. Our treasurer from the township was finally able to get through to PHH to find out about the 3rd party administrator and told us about it. We then were sent two more letters from PHH advising that they would be sending us our refund ( letters were dated XXXX XXXX XXXX and XXXX XXXX XXXX ). We have called and talked to many supervisors about this issue and have been assured every time that it was " being expedited ''. We still have not received a refund check ( {$2100.00} ) even after having another conversation with them on XXXX XXXX XXXX . This needs to be resolved.
|
| 10/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I was called by PHH mortgage Corporation to refinance an existing loan that is in good standing. I sent them all the documents they asked for plus some showing my income and financial status, etc. Credit score is excellent. They initially approved the underwriting. I am XXXX and XXXX. I have income from two brokerage accounts. One account distributes IRA money and the second is using up some already taxed money before the IRA will be distributing funds to me. All this was disclosed upfront and they had brokerage account statements and bank account statements, etc. They are now declining the loan saying that I " have to use my IRA money ''. Today they declined the loan leaving me on the hook for processing fees when they knew from the start that they were not going to fund me if this is their positon because they had all the information from day one. Here I am trying to responsibly use my retirement money and they are trying to tell me how and when to use my IRA. This is deceptive practices, age discrimination, and they are not operating in good faith. The sole reason they are giving is that I need to use my IRA money for the monthly distributions. I need your assistance.
|
| 12/27/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was owned by PHH mortgage and was sold to XXXX in XXXX XXXX. The balances on the mortgage statements provided by PHH and XXXX do not match. I have made several attempts to have this corrected with XXXX however they are telling me they are not responsible for the accuracy of the balance provided by PHH when they purchased the loan. XXXX XXXX 's history and PHH 's history are not the same, XXXX XXXX is showing " restricted corp adv adj '' with amounts paid but balances are not reduced. My balance with PHH does not appear to have been credit correctly or timely from XXXX, large chunks of payments are removed and applied as " escrow or subsidy deposits '' These issues are present on both the PHH loan history and the XXXX history, however the issue that most concerns me is the fact that XXXX XXXX is saying I owe fees and charges that were not listed on the PHH loan history or statements from PHH. In XXXX, I received payment assistance from the XXXX XXXX XXXX ( XXXX XXXX ) and in XXXX, I did a modification with PHH. I am not sure the funds received during the XXXX were applied correctly and the modification amounts do not appear to be consistent.
|
| 06/16/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
We began the refinance process with PHH Mortgage in 2011. Over the course of 6 months PHH continuously stalled the process. An employee with PHH consistently failed to inform me that she did not have the required documents from the bank and when she did tell me it was too late to get the documents before the fixed rate offer expired. It was clear to me that the company was stalling so that I missed the date. After 5 months of their stalling, the told me the only way that I could get the original rate was to pay an extra point, which amounted to {$2300.00}. When I complained, the sent me an apology and a {$500.00} refund. I would like the remaining {$1800.00} dollars and I have documentation showing the delays were caused by PHH. Additionally, I was told by someone at PHH that my service rep had left the company and that is why the process did not work for me. In my opinion, PHH Mortgage intentionally delayed processing my paperwork and incorrectly blamed the delay on my bank in an effort to charge me more points. I believe that they did this because interest rates rose sharply immediately after I started the process but after I had locked in my rate.
|
| 09/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid our mortgage for XX/XX/2018 on XX/XX/2018. PHH sent us a letter stating we were short on our escrow by over {$1000.00}. We have never been late on payments. We are always early on payments. PHH sent us a breakdown of the payments they have. Our XX/XX/2018 payment was not applied and the escrow for that month was not applied. We have tried contacting the company several times. We get sent to what must be a call center in XXXX where we clearly state the issue over and over and over again and a person with a very heavy accent is extremely confused as to why we are calling. They are not helping us at all. They refuse to let us speak to a supervisor or say the supervisor is too busy and will call us back. The supervisor never calls us back. This is not the first issue. They have claimed we didn't pay before as well and they ended up saying they lost our payments. Our bank had to call PHH and work with them to help PHH find our payment, which they had cashed and just apparently forgot or something. We are honestly not happy with this company at all. We did not choose this company and do not wish to work with them ever again. They are scam artists.
|
| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to get a reinstatement quote and instructions for nearly two weeks. I spoke with PHH mortgage first on XXXX to discuss options to bring current. I was told I have to call back on XXXX because they don't have all my information yet. On XXXX I called again and was told no modification was possible and to contact there lawyer " XXXX XXXX XXXX '' to get reinstatement quote and instruction. On XXXX I called XXXX XXXX XXXX and was told it would be 3 to 5 business days because they needed to get information from PHH. On XX/XX/XXXX a called XXXX XXXX XXXX again to follow up since no quote was received. They informed me that they are still waiting on information from PHH. That they would escalate the request and I should have reinstatement information sent to my email by end of day or next day at the latest. I then called PHH XX/XX/XXXX to inform them that the lawyer was still waiting ion them. PHH informed me that they sent mortgage information to XXXX XXXX XXXX on XX/XX/XXXX but would call them right now to confirm. PHH representative then informed me that they spoke to the lawyer and I would have reinstatement quote by end of the day.
|
| 04/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I had my loan transferred from XXXX to PHH ( www.mortgagequestions.com ) on XX/XX/2019 and closed on my property XX/XX/2019. Title company sent payoff ( amounts given by XXXX because PHH did not have my account on file and stated takes 7 days to create one ) on XX/XX/2019 via wire to PHH. On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called PHH to find out why the account still has a balance with the payoff sent on the XXXX and every single time I am put on hold for more than 30 minutes by the representative that they will look into it and then the line gets disconnected. Sent email via their contact form on XX/XX/XXXX and still no response.
This lender ( PHH ) would not provide any information and I am worried that will get assessed fees, ruin my credit, and there are issues with the wire payoff. It is very frustrating not being able to get information on something that can affect someone financially and the lack of accountability and professionalism from the representatives.
The phone number I try to reach them at is XXXX.
Please tell me how can I take care of this issue without any further complications?
Thank you in advance
|
| 03/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XX/XX/XXXX I had water damage. I filed a claim with my insurance company who issued a check to me and my mortgage company XXXX. I completed the required paperwork, endorsed the check and sent to XXXX. They promptly issued a check back to me. A couple weeks later i received another check from the insurance company. I filled out the paperwork, endorsed the check and forwarded to XXXX. The day before ( XX/XX/XXXX ) they were to issue the check {$2800.00} to me, my mortgage was sold to PHH # XXXX. I have made no less than 8 calls to PHH requesting that they issue to a check to me and they keep saying " we are waiting for corporate to decide when to release the funds ''. I have provided PHH with the document from the Insurance company regarding the Repair Estimate, completed and provided PHH 's Loss Draft documentation via fax, uploading into their website and US mail. I CAN NOT complete work on my home until these funds are received. I feel as if my money is being held hostage. I 'm living in a home that is in disarray as I can not complete the work without the funds. There is absolutely no reason why these funds should not be released to me ASAP.
|
| 05/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Facts : 1 ) In XX/XX/XXXX I received a letter indicating I had an escrow shortage. I was given XXXX options : a ) make 1 payment with total shortage or b ) spread shortage over 12 months. I chose b.
2 ) I received an email on XXXX/XXXX/16 that my mortgage payment ( including additional escrow ) was applied.
3 ) Today I received an email that a late fee had been applied because my payment has not been received.
4 ) The payment was made per my bank statement.
5 ) The payment was received per email dated XX/XX/2016..
Today I called customer service and they indicated that had my payment but it was suspended and not applied because I failed to 'request permission ' to spread the shortage over 12 months even though my payment reflected the increased amount.. The request procedure was n't very clear in the letter I received in XX/XX/XXXX nor have I ever had to " request permission '' before. The letter clearly stated that I have XXXX options and even provided the new payment amount. I feel the mortgage company is trying to take advantage of its customers and force them to make a late payment even though they have received the on time payment.
|
| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My original mortgage was with a company called XXXX. I have had this mortgage since XX/XX/XXXX. XXXX was merged with a company called PHH, and beginning on XX/XX/XXXX PHH took over. This new company began reporting information to all of the credit reporting companies on problems I encountered years ago, XX/XX/XXXX-XX/XX/XXXX. The first was past due on accounts, which wasn't true. I contacted both mortgage companies, and they withdrew that notification.It has been removed from my credit reports. Now, PHH has notified the credit reporting companies that my loan was " modified ''. Yes, it was, in XXXX. They are reporting this again, even though XXXX had done so, when it took place. After 10 years, it dropped off the reports, and now thanks to PHH, it is back on again. This has caused my fico score to drop, my credit limits have been reduced and it should not be on the report to begin with since it was so long ago. I am sure I am not the only home owner that went through loan modification during the real estate meltdown. I worked very hard to recover and improve my credit scores, only to have them destroyed by this company for no reason.Help!
|
| 07/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PHH Mortgage crediting of checks is delayed and received date in their system of record is incorrect. Mailed XX/XX/XXXX payment USPS Priority tracked mail on XX/XX/XXXX . Priority mailed was delivered by XX/XX/XXXX . Check had not cleared by XX/XX/XXXX . Concerned, I called the customer service line the next day. The rep told me the check would be posted that day, XX/XX/XXXX . The rep also told me that PHH Mortgage date of receipt of the check was their processing date, XX/XX/XXXX . Fortunately this was within their grace period. I asked the rep to refer my comment to the supervisor -- the date of receipt is the date the mailed check is DELIVERED to PHH Mortgage, not the date PHH Mortgage chooses to process it. PHH Mortgage 's lag in posting checks is consistent ( a week or more after documented USPS delivery date ), although this was the worst incident , 2 w eeks, perhaps due to XX/XX/XXXX holiday. I feel COMPELLED to pay fo r USPS priority postage and tracking in order to be able to prove that I paid on time, given PHH ' s track record of slow processing. It is frustrating and should be unnecessary.
|
| 09/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a call from PHH Mortgage Servicing that I had not made my XXXX payment, and demanding payment plus a late fee immediately over the phone. I knew my payment had been sent via ACH on XX/XX/XXXX. the agent verified they received the funds on XX/XX/XXXX, but stated they had applied them to my principle, and again demanded payment. I explained again, she claimed I failed to make the full payment, so they applied it to my principle. She refused to provide a Supervisor when I asked for one repeatedly. The claimed my payment had gone up due to my escrow, even though my escrow was refunded for an overage. So, once again, they have messed up my escrow and raised my monthly payment without notice, or reason, since my taxes and insurance premiums have NOT increased! I am beginning to believe they are putting these extra payments in THEIR pockets, since they can not or will not explain WHY my payment increased by {$60.00} per month. Their Tax Dept confirmed they have the wrong tax amount XXXX it's too high ) but only by about {$100.00} annually. Their tax dept is researching, but can not explain the higher payment either.
|
| 08/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I 'm attempting to refinance a home equity line of credit with XXXX. XXXX pulled a property title report showing an unresolved lien from XXXX from XX/XX/XXXX as well as the current mortgage, which was acquired by XXXX in XX/XX/XXXX.
I e-mail 'd XXXX XX/XX/XXXX, to request the lien be released. I received an e-mail reply from an XXXX XXXX that this request had been prioritized with the Lien Release Team and would be completed in 30 business days.
OnXX/XX/XXXX, I e-mail 'd and requested a status. I received a reply from XXXX XXXX XXXX that the request would be completed in another 15 business days.
On XX/XX/XXXX, I spoke with a XXXX XXXX at XXXX, x XXXX, who told me the lien release request had supposedly been escalated after my last e-mail, and he would call me back within 1 business day. I never received a return call, nor has he responded to v-mails I 've left since.
On XX/XX/XXXX, I opened a complaint with the Delaware Attorney General 's Fraud and Consumer Protection Division and e-mail 'd XXXX and advised them I 've filed the complaint. I have not received any response from XXXX.
The AG 's office suggested I contact the CFPB.
|
| 02/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a two family loan and a home loan with PHH Mortgage XXXX.
I pay each of my mortgages with electronic bill pay through my credit union. Although I have spoken with PHH and provided proof of my payment day and proof of electronic delivery of these payments I have received notices of delinquent payment charging me a {$40.00} late fee each time. I just receive another notice in the mail saying my payment was late. I have checked my checking account and it shows the payment was posted on the XXXX. Each time I call to provide proof of dates payment was sent and receive ( I get this information from my credit union ) they argue with me and then tell me I can use my one time late payment forgiveness option and I then have to argue with them that I am NOT late and refuse to use the one time late payment option. Can someone please help me so I do not have to contact my credit union and then PHH to prove my payment was delivered on time. This is becoming a habit with PHH and I do not feel it is fair for me to take time out of my work day to deal with this issue which is becoming reoccurring. Thank you for any help you can provide.
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| 08/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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PHH mortgage charged my credit card {$590.00} plus an additional {$1.00} service charge for an appraisal on my home for re-financing a mortgage. They said my credit card would be charged if they were unable to close on the re-fi. I never received a letter or phone call first to inform me, just a charge on my XXXX. The mortgage company solicited me with numerous phone calls to re-fi, and told me I would be saving several hundred dollars monthly. They also said I was pre-approved. The initial loan processor never walked me through the documentation, as promised, and papers had to be re-sent. A new loan processor was assigned. She was equally rude and evasive in our conversations. Finally, they asked for documentation of additional income to be guaranteed that it would continue for 3 years ; however, the income is XXXX XXXX deeded to me 35 years ago. I sent all tax documents for 3 years and told them there 's no guarantee that Royalties continue indefinitely, although I 've continued to receive them 35 years. This company has had many legal problems and is not endorsed by the BBB. XXXX reviews are all consistent with my complaints.
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| 01/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH is the servicing company for XXXX, which holds the mortgage.I tackled with PHH in XXXX 2017 about paying my property taxes early, due to the new tax laws. They advised me to do so and then send them separate receipts for each quarter paid (I paid two quarters) via fax and then to follow up by phone two days later. They also advised that 10-days after my call they would be able to review my escrow account and return any overpayments to me.I followed the above procedures and asked for an escrow review. PHH advised me that two-days after my call they mistakingly sent payment to the XXXX XXXX XXXX for quarterly taxes and that I would have to wait for the money to be returned before they would review my escrow and return funds.The net is, they have asked me to fund their mistake and have been completely unresponsive, either not calling back for days or simply putting me off. I have gotten nowhere with them and would appreciate your intervention so that they immediately return the funds with interest credited from the day they removed them and, accordingly, review my escrow and return the overage.Thank you for your assistance.
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| 07/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XXXX XXXX wrote a mortgage to me for purchase of a home, then assigned servicing responsibilities to PHH Mortgage services.
I changed the mortgage date on their website from the XXXX to the XXXX, but the website said that this would have no impact on the XXXX payment. I called PHH to attempt to fix this twice, and both times they said that they have no capability of changing the date for the next collection if the request is made after the XXXX of the month before.
I will remind that this is not a technical limitation because the actual speed with which the systems responsible for this process talk to each other is 300,000 kilometers per second, or about 6 orders of magnitude faster than their stated capabilities. Also, as a XXXX XXXX, I can state that dealing with any software issues could be done by a single developer in half a day.
This problem exposed a far deeper problem, which is the lack of ownership. PHH has no motivation to provide good customer service because the ultimate customers are never consulted in account assignment. Why fix a problem if it 's cheaper to force NSF charges and then collect the revenues?
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| 01/26/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XXXX my mortgage with PHH Mortgage was in default. I was unemployed at that time.
In the same year I received financial help and assistance from Florida Hardest Hit Fund.
The PHH Mortgage on service for XXXX XXXX accepted close to {$40.00} in payments and promes to reinstate the mortgage. In XXXX XXXX I start full time work and gain the ability to pay my mortgage. This is the time that all problems started. The PHH accelerated the mortgage and never reinstated the payments. I retained attorney to represent me in court but the PHH mortgage is playing words game sense that time.
PHH Mortgage office was already provided with all of the information previously requested and all the information needed to settle this matter. It was supposed to be processed as a reinstatement pursuant to the FHA paperwork.
Is the bank refusing to settle by reinstating the loan as they promised when they accepted the Hardest Hit Fund money?
I need a straight response to this question, whether the counterclaim must be forwarded to the CFPB and the Florida Attorney General, and whether we need to set the matter for hearing on our counterclaims.
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| 04/24/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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When I entered into the SAM I was assured that what I saw as an error in the principal balance calculation would be resolved when the payments going into a suspense account had been applied. They weren't. I was being held hostage to the errors of the company and couldn't refinance with anyone else. The servicing has been transferred to yet another problem servicer and I would like the mortgage fixed so that I can go to another company.
1. I require a complete, separate breakdown of the calculations that came up to the amount of over {$150.00} k on the remaining principal balance. The principal balance was at that time around $ 120k. I had not been on a payment plan where the payments going into suspense would have equaled anything near over $ 30k. The payments in the suspense account should have taken care of all interest etc but seem to have disappeared.
2. I require a complete accounting of the amounts in the suspense account and to what they were applied.
3. I require a complete accounting of the principal balance showing the calculations to come to a figure of over $ 150k and how the suspense account was applied.
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| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage is serviced by XXXX XXXX PHH Mortgage Services. I have been attempting to make a payoff payment, but the practices of XXXX and/or PHH Mortgage Services is preventing me from doing so due to : 1 ) The online payoff payment statement functionality is broken, producing an error. There is no way for me to obtain this through the self-serve options online.
2 ) I called the telephone servicing representative and informed them to send me the payoff payment statement. The representative has no capability to deliver this information directly over the phone ; it is only available via fax and postal mail. I requested the information both via fax and mail, but also experienced issues 3 ) The fax was never received 4 ) I informed the phone representative that the property address they had on file was incorrect due to a misspelling in my street address. That spelling mistake was never corrected. I believe that due to this, I have not and will not receive a payoff statement via mail The practices of these two companies result in continued interest compounding on my mortgage and I have no way to make a payoff payment.
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| 10/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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PHH Mortgage was reporting negatively to the credit bureaus during the time I was being monitored through a chapter XXXX bankruptcy. This has caused serious problems for my family and the purchasing of our new home. My wages were being garnished by the BK Co the entire time and they were making the payments on time for me. We provided my bank statements along with the payment history from the BK Attorney and PHH is still refusing to correct my credit. I contacted my bankruptcy attorney about this and he was going to get me some information on the payment process from the ChapterXXXX office, however, he stated that 1. The payments were made electronically and 2nd, that they should not have been reporting to the credit bureau until after the bankruptcy was discharged.
I also spoke, again with PHH Mortgage today and the lady I spoke with suggested I file a dispute claim with their Credit Report Disputes department, which after I get the information from my attorney I will do as well. I wanted the CFPB to know so that other consumers are aware!!! This has caused me entirely too much stress and wasted my time.
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| 03/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mortgage loan was transferred from XXXX to PHH in XXXX 2016. Prior to the transfer, on XXXX XXXX, XXXX took {$200.00} out of my bank account to cover an escrow shortage. I approved this so that I would n't be making higher payments for 12 months. After PHH took up the loan, they continued to send me statements that did not account for the fact that I had paid the shortage in full. They are double-charging me. I have had 6 phone conversations with them about this over the past XXXX weeks. In every conversation they assure me they will look into this, correct the issue and send me corrected paperwork. In our last conversation, I told them I would deduct from my XX/XX/XXXX and XX/XX/XXXX payments the amount that is a double-charge and they said they will accept that. It is now XXXX XXXX and the issue is still not resolved. The XX/XX/XXXX statement I received yesterday includes the double charge. Today, they told me the issue will be corrected in XX/XX/XXXX. I am out of patience and have no confidence that they will fix this issue. I want it fixed now. I will not pay for something I 've already paid for.
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| 09/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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PHH Mortgage stopped our automatic payment without notifying us. They also transferred the servicing of our mortgage without notifying us. On the phone they claim XXXX XXXX XXXX sent a joint notification. We never received it. I explained that a company I have no dealings with sending a letter claiming rights to my mortgage payment does not positively prove transfer of service. I requested PHH send a new letter. They refused and told me I had to ask XXXX for the letter. I 'm left with no paper trail positively identifying who we should be paying. We have paid two months of mortgage out of fear. XXXX has sent repeated delinquency notices and information about Foreclosure. Even certified letters. We have been harassed and threatened by this new company. They are happy to send us a letter claiming they have a right to our mortgage payment. But that does not prove they have a right. I must have a letter solely from PHH clearly stating who the services are being transferred to and when. Our dealings with PHH began when XXXX used them for servicing our mortgage. I never chose to deal with PHH or XXXX.
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| 06/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I can not get PHH mortgage to confirm by email or letter that I have paid off my loan in full.
I have tried repeatedly ... spoken to them on 2 occasions and they say they will send me a confirming letter and email with payoff info.
BUT I have not recevied either and it has been almost 1 month since payoff on XX/XX/19.
I have called at least 6 x and been disconnected 2x after 30-54 minutes on hold. I have spoken to Escalation Managers ( XXXX # XXXX ) 2x after being on hold for over 45 minutes. I was promised email in 24 hrs and letter in 7 -10 days ... no response.
I have sent email complaint to XXXX ... got 8 responses in 1 day that they would call me within 5 days ... .no calls.
I sent email complaint to XXXX ( parent co. ) and it came back undelivered.
I have received double invoices for payment AFTER I have fully paid off the loan!
I have tried to reach the VP of Mortgage Servicing XXXX XXXX but his office goes to voice mail and on hold / disconnect.
PHH is either dishonest or incompetent but I deserve better as I was a great customer for their mortgage business. Never late etc
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| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have had YEARS of trouble working XXXX mortgage now PHH. I'd like to SPEAK to a loan servicer regarding a refinance and/or mortgage pay off. I DO NOT want to go online and gather information but SPEAK to a human being and ask specific questions and get specific answers. That said, I've waited a total of 2 hours and 5 minutes over the last 2 days to speak to someone. According to PHH, there is, " a high volume of calls so the wait time will be lengthy. '' REALLY?? over two hours?? People have to work and not wait to speak to someone!!! Of course, if one was NOT to pay their mortgage, I'm certain they would be banging down the door to get paid. This company has been a thorn in my side for years because the lack of being able to quickly and directly talk to someone regarding very important finances. I recommend that NO ONE should ever have their mortgage serviced by XXXX/PHH, but then again, mortgages are often sold and consumers don't have a choice in the matter. This has been the WORST financial company I have ever dealt with and they should be ashamed about how they treat their customers.
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| 05/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH cashed a check for the wrong amount, it was {$1400.00} and they input {$1000.00} on XX/XX/2018. Then then sent us in default, charged late fees, and never even credited the {$1000.00} to our account!! I have called, they refuse to let you speak to anyone in the accounting department, they said that that department doesn't take phone calls. They also refuse to respond to emails. I asked how this would be resolved and the customer service rep said that they would look into it when they get a chance and would eventually withdraw the money from our account. He didn't know why we weren't credited for the {$1000.00} that they took and didn't know if or when they would be able to correct it so now we show that we have a missed payment!!!
I asked over and over to speak to someone in a department who can help me and they simply refuse. I am so frustrated with this company. I would honestly refinance just to get rid of them but interest rates are higher now than when we got our loan. I don't know how else i can contact them every number published leads to the same outsources call center.
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| 08/28/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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To whom it may concern this letter is in reference to the negative items in my credit report by phh mortgage the servicor of my mortgage at XXXX co XXXX.
They claim that I was late on my mortgage payments on XX/XX/XXXX and XX/XX/XXXX. They took over servicing of my loan from XXXX. XXXX had a streamlined process where i had an online system and direct withdrawal to pay my mortgage. When PHH took over they had no online system and automatic withdrawal despite my numerous requests. They also are located on the east coast and mailing to them was always sketchy and theyre processing was very slow. I often times would not receive my mortgage notice until very late. I had no intentions of being late or delinquent with payments but PHH processes made it very hard. I have been working out of state which also contributed to these problems when youre on the road working to keep money coming in to pay these debts it definitely helps to have a quality servicor. I mailed my payments in before i left home but they obviously were not received on time probably due to their slow processing times.
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| 03/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have fallen behind by 85 days. While attempting to contact XXXX XXXX XXXX to make a payment, I had been informed I'm now affiliated with PHH mortgage. I tried to open an online account. it was impossible. -I then received a letter dated 2 weeks previous of the current date. I attempted to call the phone number for a days. The have given me a phone number of XXXX, extension XXXX XXXX XXXX. He does not answer the phone and does not have voicemail. It also says on the paperwork to press 0 and another case manager will assist. I have tried 25 times and no one answers. I would like to utilize the 90 option to get caught up. I believe PHH mortgage avoids answering the phone and blocks us from registering an online account to push customers into default. Im trying to register online to make the payment, Ive called and called to make a payment, they will not answer they will not respond please help! I cant open an online account for some odd reason, I cant get a representative. Its not fair, they are not responding. This is unaccetable cusomer service at the least and possible FRAUD
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| 09/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am behind on my mortgage and had to file bankruptcy XX/XX/XXXX
After I graduated from college, my income decreased significantly.
PHH sent me a packet to submit for a loan modification, they have myhome listed for foreclosure. I submitted all the requested documents and contacted XXXX as my advocate. I have received XXXX letters fromPHH requesting the documents that I had submitted in XXXX.
I have yet to speak to the assigned case manager XXXX XXXX, I have annotated and faxed the documents requested for a secondtime. I have called to check the status of my packet as it is goingon XXXX+ days, and when those days expire I have to start thisprocess over. PHH has my home listed for foreclosure. I purchasedmy home XX/XX/XXXX, I am retired military veteran with a fixed income.
All documents requested were submitted to PHH and XXXX.
I am desperately trying to save my home and just want theloan modified so I can afford the payments. I was told today that mypacket was submitted for review and I do n't know what else to do butrequest additional assistance to help me keep my home.
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| 06/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Compalint : : PHH Mortgage Services XXXX XXXX XXXX XXXX. Nj XXXX XX/XX/XXXX My name is XXXX, and I have a property in the city of XXXX, Delaware. I have lived here since XXXX with my family.
Phh Mortgage Services took over my mortgage in XX/XX/XXXX.
My complaint and frustration, is on a payment that I posted on with there bill pay on XX/XX/XXXX, the amount of {$1600.00}. PHH Mortgage, claimed that they never received it. I have documentation from my XXXX XXXX checking account, supporting that PHH did retrieve the amount of {$1600.00} on XX/XX/XXXX.
I have faxed to them my request to investigate this very matter. Plus many phone calls. I, am putting this letter together at this moment why ell, I`m waiting on hold to speak to a agent in the US, I was put on hold by a agent in the XXXX, for 25 minutes at this time.A supervisor in the research department a XXXX. XXXX XX/XX/XXXX.
This is the second time and I`m so very tired of thees company tacking advantages of us that are put in this situation, of having to deal with the subprime company 's.
Thank you, XXXX XXXX Delaware
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| 12/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I make my mortgage payments automatically every month from my bank account. My regularly scheduled payment went out on XXXX XXXX 2017 as usual. However the company has failed to apply it to my account. So they continue to send me notices that I have missed my payment. I have sent them an image of the processed check - cashed by them - plus the activity statement from my account showing the payment. I have sent this information more than once and my account is still not reflecting the payment. Meanwhile they are escalating payment collections. When I sent an inquiry via email I did get a response asking me to fax the information, However, after multiple tries at faxing, their machine is always busy and I can not send my information. So i have sent it to their customer service email multiple times. I asked for the situation to be escalated but i do n't think this has happened. This is actually the second time this has occurred with this company, The first time, one email with the processed check image was sufficient.
Copies of the information that I have sent are attached.
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| 09/10/2018 |
Yes |
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- Trouble during payment process
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Web |
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Through XX/XX/XXXX, I was making monthly payments to PHH Mortgage Services in the amount of {$2300.00}. My payment included escrow for taxes and insurance. In XX/XX/XXXX, I was notified that my payment was increasing to {$18000.00} based on an escrow analysis that was completed of my account. In XX/XX/XXXX, I stopped making payments.
In XX/XX/XXXX, the loan was transferred to XXXX XXXX. I have obtained a document where PHH claims to have paid {$330000.00} from the the escrow account on my behalf. The loan was transferred to XXXX with a negative escrow balance of approximately {$140000.00}.
I have obtained a payment history from the DC Office of Tax and Revenue ( OTR ) that shows they have received {$260000.00} in tax payments dating back to the date that I purchased the property in XXXX. The bulk of these payments have been made by XXXX ( approximately {$260000.00} ).
I believe PHH Mortgage Services transferred the loan with false documents. I am also being charge interest and penalty payments in the amount of {$70000.00} during the period that my loan was current.
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| 06/23/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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PHH mortgage company received a payment of {$2900.00} on XX/XX/XXXX and it posted on XX/XX/XXXX. The {$2900.00} was enough to payoff the loan. They posted that money in a suspense account and not on my principle. Then I received a statement that I needed to pay XX/XX/2019 payment and it started about partial payments so I send them a payment for {$300.00} Which on that statement it still showed a principle balance of {$2800.00} with the money still in the suspense account. So XX/XX/XXXX I called and allowed them to talk to my wife as she takes for the bills. They said we needed to request a payoff statement which we did. And that the gentleman would have it sent out. So all week I keep messaging and asking for them to transfer my money on to the principle of my loan and it has not been fixed. They are still charging me interest and asking for XX/XX/XXXX payment. So i need help and trying to figure out how to get my money posted to my principle and pay this loan off. I feel they are holding on to my money unfairly. I have never been late and always paid extra on my loan
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| 06/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Spoke with my relationship manager and was told to call back XXXX XXXX At XXXX ext XXXX XXXX XXXX.
When I called using my cell number of record my call continued you say my relationship manager is unavailable.
The reason for the call was to verify that all of my profit and loss from my self employment income was received.
Again, I attempted another call today from the same number of record on my file no answer.
I decided to call from another number and lucky my relationship manager answered the phone.
I informed my relationship manager XXXX XXXX that I had not be able to reach him from my number of record.
Immediately, my relationship manager said he is no longer my relationship manager.
I told my relationship manager he was suppose to advise me my status of documents requested was received.
He told me I have instructions that I can not talk with you.
Now, I feel like someone is retaliating against me because of the complaints I have had recently.
Also, my account has been switched back and forth and two many people keep telling me different stuff.
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| 01/18/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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In XXXX XXXX, I was contacted by my current mortgage company, PHH Mortgage, asking if I would be interested in refinancing my home with a HARP loan. I was and we began the process immediately. Everything they asked me for was provided to them in 24 hours or less and I have the documentation to prove that. However, it is currently XXXX XXXX and my refinance is still not completed. This is Month 7 of this process. I complained to the supervisor of the individual once and she apologized. Several months later, I contacted her a second time and asked that the individual handling my refinance be removed and replaced with someone else, but she refused to respond to my email and voicemail messages I sent/left for her. I am completely devastated by this whole process. I could have gone with several other lenders, but chose to stay with PHH since they are my current mortgage company. I have spoken with many friends and family members and they are baffled by this length of time, and every single one of them chalk it up to incompetence. Please help me. I want to file a complaint.
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| 09/07/2016 |
Yes |
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- Settlement process and costs
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Web |
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Backaround XX/XX/2016 I contacted my mortgage co, PHH Mortgage about re-financing.The original loan was in my husband 's name ( now deceased ) only. I told them I was going to apply {$50000.00} as a down payment. This was a gift from my sister-in-law. I was told they could do the closing XXXX XXXX, & I needed to send them the $ XXXX PLUS my regular payment of {$780.00} before XXXX XXXX. I did. No closing on XXXX XXXX. Then, after I started calling regularly, they mailed me a letter saying they had my closing set for XXXX XXXX. That day came & went. Nothing. So on Monday XXXX XXXX, I called to find out why they did n't close. Said they needed to do employment verification. They had done it twice already. I told them I was getting an attorney to investigate. Next day, I got a call saying they were coming to my house @ XXXX on XXXX XXXX. Never came. Wo n't ans wer my calls. I am a widow. No pension, no social security. Only a job paying {$10.00} an hour. I can barely pay my bills, & only then with help from relatives & food stamps. PLEASE help me if you can. Thank you!
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| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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Recently our mortgage servicing transferred to PHH from XXXX, we applied for Mortgage Modification Assistance more than 14 days prior to the sale as instructed by PHH, when contacting PHH to get a status on the modification request, I was notified that our request would not be considered because it wasn't made more than 37 days before the scheduled sale date of XX/XX/2019. Neither PHH or XXXX have sent us any documentation regarding the transfer of the servicing rights from XXXX to PHH, nor have we received any offers of assistance in lieu of foreclosure on this home.
The property has been in foreclosure for several years and we have attempted to resolve the issues with the lender and they have been unwilling to offer any solutions for this foreclosure issue. At this time, the foreclosure sale is pending for XX/XX/2019. We have any appeal pending with the New Jersey XXXX Court and have also submitted a Motion to Stay the Foreclosure Sale pending the outcome of the Appeal.
We are seeking intervention by the CFPB to stop the wrongful foreclosure of this property.
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| 09/02/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I received a real estate tax bill from my county. I called the mortgage company to find out if they had paid the tax bill and they said they did. After speaking with the property tax agent, I realized the map number that the county was asking me to pay was incorrect, it was not my house. After contacting the county, they said they would correct the error and I would not have to pay. However, the mortgage company called my county tax office and later added that parcel of land to my loan and paid the outstanding tax bill due on that parcel. I had to contact the mortgage company again and ask them to remove this parcel of land from my loan and ask them for a refund from the county. In the meantime, my loan was re-assessed and now the mortgage company wants to me to pay more monthly because of the company 's error of adding that parcel of land. They said they will not re-calculate my loan until the refund payment from the county comes in. I should be able to pay the original lower monthly payment for the mortgage and not have to pay a higher cost for their mistake.
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| 03/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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My home loan ( and servicing ) was sold to a company called PHH Mortgage back in XXXX. I have been trying for a couple of months to contact them to setup direct debit for my monthly mortgage payments. I can not contact anyone who seems to be in the XXXX but instead I get routed to a call center in the XXXX. I have not been receiving paper statements by mail to confirm what my payment is. I have made two one-time payments through their online system but I have reason to suspect they are applying the entire payment towards my balance and nothing is being applied toward interest or escrow. But because I can not contact anyone through their numerous customer service phone numbers, I can not confirm what is going on. As a side note, I have done a search of online reviews for this company and was astonished to find that hundreds of others seem to be having the same ( and other ) problems with this company. It seems to me that they are exercising horrible ( and even illegal ) business practices and something needs to be done to protect me and others as consumers.
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| 06/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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My mortgage loan began in XXXX of 2016 with the first payment being sent to the original mortgage company of XXXX XXXX XXXX on XXXX/XXXX/16 ( Due XXXX/XXXX/16 ).
On XXXX/XXXX/16 PHH Mortgage sent notice to me that they had purchased the loan on XXXX/XXXX/16. Beginning XXXX/XXXX/16 I began receiving 2-4 phone calls per day from PHH Mortgage representatives demanding that I make two mortgage payments immediately. They insisted they were owed the first payment that was due XXXX/XXXX/16 ( which had already been paid to XXXX XXXX XXXX ) as well as the second payment which was not due until XXXX/XXXX/16, 15 days in the future!
I explained to your PHH numerous times that the first payment was already paid to the original mortgage company and that the second was not due for another 15 days. I still received 2-4 collection calls every day. On XXXX/XXXX/16 my bank, XXXX, sent payment for the payment due XXXX/XXXX/16 to PHH and it has been confirmed as received. I still receive 2-4 collection calls each day demanding I immediately make two additional payments.
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| 07/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
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Web |
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I have been in touch with over XXXX lenders up to and including the bank VP for Lending and have not received XXXX offer to refinance my current, well above market rate, loan. The problem seems to be that I do not meet the debt-to-income ratio Dodd-Frank implemented to " protect '' me. Thanks guys!
I am seeking to refinance my XXXX XXXX %, fixed rate, {$130000.00} loan which matures in XX/XX/XXXX. The property is 40 % LTV, I have a XXXX FICO score, have never missed a payment, and have a liquid net worth excluding real estate equity over {$500000.00}. I earn money by investing and my XX/XX/XXXX AGI was over {$XXXX}.
Obviously, it is difficult to imagine not being able to make the payments any time soon and harder to imagine letting the home go to foreclosure. Moreover, as I am not asking for additional capital, simply to not pay an extra {$2000.00} a year in interest, a new loan could only lower my risk.
I would like to better understand how this legislation has done anything to protect/help me, a financially secure, responsible, savvy consumer.
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| 11/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
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On XXXX XXXX, 2015, I set up a direct debit with PHH Mortgage to have my monthly mortgage be paid on the XXXX of the month, every month. I attached a copy of the confirmation email i received. I also attached copies of how my mortgage is showing in their system ... that is is set up for direct debit.
I found out that because I am in Chapter XXXX bankruptcy, the payments were not debited from my account. I was not aware of this. I first realized when I received a letter from my bankruptcy lawyer stating that they ( PHH ) are pursuing a consent order to have my home removed from bankruptcy protection. I contacted PHH immediately and explained the situation. The agent could see where I did set up direct debit but explained that they did not go through because of my bankruptcy. They would not allow me to make up the 'missed ' payments but directed me to their lawyer, who has not returned any of my phone calls. I do not want to lose my home and I do n't understand why they will not accept my payments and allow me to bring my mortgage current.
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| 06/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I contacted PHH Mortgage for assistance as I was not working. I completed a request for assistance, sent my life history, the property was appraised. I received a letter saying that I could make a reduced payment of approximately half of my mortgage payment for three months and would then have to resubmit a hardship package and all documents again. I'm not sure how this is helpful. I was told that I didn't qualify for any other programs because of my debt to income ratio. If PHH was to lower my interest rate and helped me with a repayment plan I could afford the mortgage payment. The investor of the loan XXXX XXXX XXXX does not care about homeowners facing a hardship. I'm asking for someone else to review the hardship package submitted again and reconsider offering us a lower interest rate and repayment plan. Also, I have contacted XXXX our single point of contact seven ( 7 ) times and she has not responded to any of the voicemail messages left. I'm not sure I understand how a reduced payment for three months is a viable option to help.
|
| 10/30/2015 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
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My XXXX Mortgage is serviced by a company called PHH. They are horrible. They are impossible to get ahold of and when you finally do - they are rude and do n't listen.
Their customer service line is only available during business hours, They hide their number on their website " XXXX '' XXXX how would you ever find this website - it has nothing about PHH on it. Also - when you call into the customer service line they do n't normally answer the phone in under 1-2 hours. They finally implemented the call back option. I tried 3 times yesterday to get a call back ( each time it was longer than 1 hour wait ) and finally got someone on the phone to find out that I had to talk to another department and they put me thru to their line, which I waited on hold another 45 mins. When I finally got thru - they said, write a letter and fax it to us. Then we 'll get back to you ... .. I 'm not looking forward to waiting to get a call back for 4 hours next week - because they wo n't respond to the fax to let me know they got it - or return my emails.
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| 03/16/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My wife and I have a mortgage with PHH Mortgage in XXXX, XXXX. Due to a change in circumstances, we got behind on the mortgage and were getting letters in XX/XX/XXXX and XX/XX/XXXX from PHH 's lawyers advising that they were going to foreclose, so we walked away in XXXX XXXX and advised PHH of this expecting the foreclosure to be imminent. In XX/XX/XXXX as no foreclosure had yet taken place, we decided to try to arrange a short sale. I contacted PHH several times to obtain details of the company who were responsible for maintenance of the property on behalf of PHH. I never received any callbacks from the account manager despite numerous calls and emails. I even sent generic emails via the contact form on their website and received replies saying the account manager would contact me, but it is now XX/XX/XXXX and still no contact. As my wife is XXXX and I am relocating to XXXX a short sale is no longer an option. Meanwhile the property is deteriorating, and we are still responsible for paying certain bills until a new owner is found.
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| 02/26/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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|
This time last year I mail in a payment of XXXX twice in the month of XXXX, the mortgage company contacted me stating they could not find the money orders. I faxed over a copy of the reciepts for money orders and then they said they found one and not the other. Finally they found the other by then it was two three months later which put me behind a couple payments at the time. I tried to do a pay down payment plan for payments that where behind I was told to do loan modification and I went through that process but keep getting the run around on that, I sent in all paperwork from income verification and bank statements, everytime sent these items in they add a different month on these documents. I just sent another round of documents which also included my wife 's income and now they saying they need more bank statements and proof of income again I have sent these documents several times, I am desparetly trying to stay in my home and keep getting the run around meanwhile money is incruing on this account. please help save my home.
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| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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i had a major issue a few months back had to get you involved still took MONTHS to fix. That was with my escrows cashing my checks and not appplying to my account. Did anyone care were was my $ $ $ for months I have XXXX complaints the FIRST is I never received my interest statement from the the mortgage co to be able to file my income tax today is XX/XX/XXXX? I have talked to a feothw other people who have not gotten their 's either. Coldwell Banker mortgage is the holder. Also since the problem I had last year I have mailed my mortgage payment to the same address for 16 years XXXX to XXXX servicingaddress. NOW all of a sudden they have my payments for days and do not post my payments till till days later and charging me late fees. I feel my account is flagged because of my complaints to you regarding there incompetence because prior to that never a issue Then they start calling me to collect a debt!! WHAT options do I have to refinance to get rid of them will cost me thousands to not lower the monthly payment by much.
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| 02/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I am currently behind in my mortgage payments with PHH Mortgage. I live in Illinois and am currently sending my payments to PHH mortgage XXXX XXXX in XXXX, IL. Ive had problems in the past with PHH not posting the payments in the timely manner they receive them. Ive been shipping the mortgage pay via USPS priority two day mail. Ive made two previous complaints through this organization in the past. I recently mailed my mortgage payment to PHH on XX/XX/XXXX USPS priority mail. My tracking shows the XXXX XXXX. XX/XX/XXXX received the payment on XX/XX/XXXX at. XXXX. It is currently XX/XX/XXXX and PHH has yet to post the payment within a 24 hour time frame as they claim to do so with all payments they receive. My concern is this payment will not post within the legal time frame set by the state of Illinois. I did send an email to customer service alerting them that the payment was sent and received according to my documentation. My loan number is XXXX. A copy of the USPS receipt and tracking was emailed to PHH.
|
| 01/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
I refinanced my FHA loan in XXXX XXXX. For one year of payments to the current servicer, PHH mortgage, all payments in the same amount and paid at roughly the same time, typically at least 15 days in advance of due date, were applied to interest, principle, escrow, PMI and additional to principle. Suddenly in XXXX XXXX, this all changed and my payments were being applied all to principle, none to any other categories. I made an additional payment, which I did suggest to leave as principle payment, at this point I was by their own agreement paid to XXXX. I made my XXXX payment on the XXXX of XXXX, I had received notice that there was a escrow shortfall, and the payment amount was re calculated. I made a separate payment of the amount of escrow shortage. Once again, the XXXX XXXX payment was credited in full to principle, not against the XXXX payment due. I have complained, nothing is changed, and I just received a collection call from this lender. PHH is the same predatory lender that I thought died in XXXX.
|
| 08/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
Latest issue is not the first timetime. PHH mortgage reports severely late payments to the credit bureau when they were paid on time. When I call they claim no record of late payments on their end. They state they will correct the situation but do nothing. PHH mortgage has also XXXX some yrs ago modified my loan after I get hurt at work, accept the modified amt over a year XXXX times, then claim it was temporary, but because their system was behind, I would have to pay over XXXX to get acct current, and is adding it onto the loan. They have even reported that I was in foreclosure back in 2010, when I was not even behind on payments, causing a very high interest vehicle loan, they denied reporting that also, so the have ruined my credit, and are getting XXXX XXXX more for my house note. They have kept me from getting a loan, from inaccurate reports to credit bureau, cost me a high interest vehicle loan that I just paid off, and ruined my credit. Please help me! I will mail copies of many documents for proof!
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| 11/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
i did a refinance on my home in XX/XX/2018. The loan was sold to PHH Mortgage and in XX/XX/XXXX i was notified that the flood maps were redone and i was now in a flood zone. i tried to explain to them that my property was not in a flood and they suggested i apply for a XXXX Letter from FEMA. During the process PHH Mortgage forced lender flood insurance on my account with a premium of {$1600.00} and did an escrow analysis and raised my fixed payment from XXXX to XXXX. I have made several attempts to contact them and fix the problem and keep getting the run around. In XX/XX/XXXX they sold my loan to XXXX XXXX without fixing the problem so now i'm dealing with trying to have XXXX go back and fix the problem and since then i have received my XXXX Letter stating I am not in a flood zone and have uploaded the documents to their system om XX/XX/XXXX and still today it has not been adjusted. i feel like i'm getting the run around from not only PHH but also XXXX XXXX which is why I am making a consumer complaint.
|
| 12/18/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been dealing with numerous issues with this company, and since my last complaint when the messed up on my escrow and accidently cut me an overage check ..the agreement with XXXX a supervisor whom I spoke with on XXXX XXXX 2015, Phh had cut me an overage check for my escrow which should not have been dispersed to me because their system thought my home insurance was paid for XXXX 2015 but it had not been that 's why the check was cut to me, which caused my to have an underage in my escrow..When I spoke with XXXX we agreed to take the escrow overage and break it into 24months, so my house payment would be XXXX and some change so I rounded up to XXXX. On XXXX XXXX my bank account was charged XXXX causing my bank account to go negative XXXX, and that caused a XXXX over draft fee, so PHH charged me an amount we did not agree upon, and caused my banking account to go negative total of XXXX. I have had nothing but problems with this company, I never receive my supervisor call backs when I request them.
|
| 07/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
We have already submitted a complaint against PHH. It seemed to be worked out but after a letter, which I will attach, from PHH saying they are honoring our loan modification they have refused our XX/XX/XXXX payment which is the first payment after the 3 trial payments which were all made on time and cashed, the first trial payment was to XXXX due XXXX XXXX made on time and cashed by XXXX, XXXX XXXX XXXX 2016 and XXXX XXXX XXXX trial payments to PHH made on time and cashed by PHH on time. I am attaching proof of the trial payments. PHH sent back our XX/XX/XXXX payment and sent a letter of Defaut and Accelerate Forclosure Notice. I am attaching the letter refusing our XX/XX/XXXX payment. This is very distressing to say the least. I have called PHH XXXX XXXX Liason office of the President XXXX ext. XXXXand she stated there must have been a mistake and she would check into it. I have not had a response and have called back and left a message to call me. The check was refused by XXXX XXXX XXXX ext. XXXX.
|
| 04/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I placed a call to XXXX XXXX XXXX in XXXX XXXX, New York on Monday, XX/XX/XXXX to request that they fax my Form XXXX for XX/XX/XXXX. The fax did not arrive in the 24 hour period that they promised as the delivery deadline. I called them a second time on XX/XX/XXXX, and they said that they would fax the form. I let the representative know that the first request to have the from faxed to me went unanswered and this time the representative promised to fax the document within 3 hours. The document was not sent, although I received many faxes throughout the week and on that Friday. Their is a disconnect between their call center and the delivery system. How can they promise to send information out at a time certain, when the people responsible for the fulfillment are probably in a different country, or the call center is in a different country? Alternatively, I tried to retrieve my Form XXXX from their website, XXXX, but the website was not functioning and I could not retrieve the form. This is pitiful.
|
| 08/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have requested the following documentations from PHH Mortgage Corporation XXXX time and as today I have not heard anything. This is regarding the denial of my loan modification.
PHH stated that I was denied a loan modification because of the investor guidelines, XXXX XXXX enclosed. XXXX XXXX stated they are not the investor enclosed. XXXX XXXX XXXX posted a Notice of Trustee 's Sale on my front door set for XXXX/XXXX/2015. XXXX also stated they have nothing to do with my loan. All I 'm asking, is for PHH to provide me with the following information.
Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee Sale for XXXX XXXX, 2015. XXXX XXXX XXXX Investor All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Time is of the essence, please reply promptly.
Thank youXXXX XXXX XXXX
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| 02/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We are not able to obtain a mortgage payoff statement.
My wife and I wish to pay off the adjustable rate mortgage on our house at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The mortgage is serviced by PHH Mortgage, XXXX, XXXX, NJ XXXX.
I telephoned PHH on XXXX XXXX, 2016 to request a payoff statement. I spoke with XXXX XXXX XXXX, XXXX XXXX XXXX ext XXXX. He stated that the payoff statement would be mailed to me on Monday, XXXX XXXX, 2016. I telephoned XXXX XXXX again on XXXX XXXX, 2016, because the statement had not arrived. This time I chose to have a payoff statement faxed to me at a XXXX office where we do business. The fax did not arrive ; therefore, I telephoned XXXX XXXX the morning of XXXX XXXX, 2016, and he assured me that a payoff statement would be faxed to me and would arrive by XXXX, my time. The fax had not arrived by XXXX, and I was unable to reach XXXX XXXX by telephone.
I note that PHH continues to accrue interest on our mortgage while they delay the loan payoff process.
|
| 04/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Fell behind in mortgage payments due to extended period of unemployment, and theft of personal assets. /worked with ERA Mortgage and was approved for a loan modification. We declined it because it was too expensive. We reapplied, met all deadlines with time to spare, I checked with them two times by phone, spoke with at least XXXX different case managers who advised all information was received and they would process the paper work accordingly. Then a two or more week black-out period happened during which time we ( my wife ) repeatedly called them. Finally, after the deadline, they called me last Friday about supper time saying this was a courtesy phone call to advise us we had failed to provide the required information and therefore our request could n't be considered and the house would go for sale at the sheriffs sale Thursday XXXX/XXXX/16. Whether the mortgage company is full of bunk, doing this on purpose or if they 're sincerely in error ; they are in the wrong and this is n't right.
|
| 01/27/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I had XXXX mortgages with XXXX. The second, and final one, was paid off in XX/XX/2013. XXXX never filed a satisfaction of mortgage with my county so is still a lien holder on my home. XXXX hired PHH as their retained servicer of mortgages. I have contacted PHH and XXXX approximately 30 times in the last three months as this circumstance nearly derailed the refinancing of my house. Now it is delaying the registration of my assets in a personal trust. Both circumstances are costing me time and money. I have many names, telephone numbers and emails of individuals who have promised to take care of this, but it never gets done. There is no dispute that the mortgage was paid in full. The most recent contacts I have had were this morning, XXXX, and the previous week, with representatives of the Office of the President ( which I suspect is just another arm of their customer service department ). Nothing ever gets done, even though I have indicated that this issue has gone on for nearly 4 YEARS!
|
| 02/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been working with Coldwell Banker ( PHH ) for the past 12 months after my divorce in an attempt to lower my mortgage. they have been less than cooperative, demanding the same documentation over and over again, claiming non-reciept on every occasion. they refuse to cooperate and are unwilling to negotiate. It is a never ending cycle of noncooperation on their part. After months of frustration with Coldwell Banker I asked for assistance from XXXX XXXX XXXX development corporation to get a resolution for my case. I have been working with XXXX XXXX XXXX who can been reach at XXXX for the past 12 months. Even with his assistance I still receive the same response from Coldwell Bankers ( PHH ). Missing documentation letters or letters asking for the Home Assistance Packet to be filled out again? Meanwhile the amount that i owe keeps rising and Coldwell Bankers ( PHH ) also keeps tacking on huge late fee, which have been accrued due to them not coming to a decision on how to assist me.
|
| 07/16/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Since XXXX 2014 we have made several request to our mortgage company that monthly payment coupons/statements be sent to us for our monthly mortgage payments because since then we have just been mailing payments since no payment coupons/statements have been forthcoming. We have been with this mortgage company for 9-10 years, never having a problem until now. We have made several attempts to remedy the matter only to be told they are coming, and always suggesting we go on-line to make payment or through their automated payment system, which charges a fee. Plus, none of these options are we interested in since we are older and prefer the old method of payment. This concerns us since it seems like they are trying to steer us to on-line payments. Can you please help us to find out what 's going on. We just want to receive paper payment coupons/statements on our account which should be our choice and as a consumer/customer we should be entitled to. Thanks for your help with this matter.
|
| 06/11/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX sold my account or transferred my account to PHH mortgage services.
I received a letter end of XXXX. In XXXX I would have to start making payments to PHH. In XXXX and XXXX I struggled to bring my account current.
In XXXX I went to pay at XXXX XXXX but my account was not merged to PHH.
I paid to ocwen and the fee was set to {$16.00} as to {$2.00} per transaction.
On the statement it said I pay {$590.00}.
My Property tax is {$2500.00} and school tax with star program is {$1800.00} and Insurance is {$640.00} total of {$5000.00} escrow {$420.00} Now PHH has put the mortgage payment as XXXX escrow at {$490.00} total in 12 months {$5900.00}.
over $ XXXX Not only that my account has not been updated in the system and have charged me for inspection and also sent a notice of additional escrow.
I have been in this house for 17 years.
I think it is fair to be told how they come up with that figure of {$660.00} stop the threat calls and robo calls.
False escrow calculations.
|
| 05/30/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This request for information is submitted pursuant to Regulation X Paragraph 1024.36 under RESPA. This request is not duplicative of any prior request for information on the referenced loan account. We have received correspondence indicating that a certain XXXX XXXX XXXX was consulted and named as a representati ve of PHH Mortgage Corporation in a foreclosure matter brought by PHH. This is a QWR request for the following informa tion : 1. Is XXXX XXXX XXXX and employee of PHH Mortgage Corporation? 2. If so, how long has she worked there? 3. What is her official title? 4. What is her job description? 5. What training is required for her title designation? 6. Provide the name of the department or division she works in. 7. Provide the name of the department or division head. 8. Is XXXX XXXX XXXX authorized b y PHH Mortgage Corporation to p articipate in a foreclosure action? Thank you for your cooperation and timely response.
|
| 07/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have received many phone calls claiming to be from PHH mortgage. When I do not answer, they do not leave any kind of message. When I do answer, they do not say anything and after a few seconds they hang up. I was able to get a someone to respond once. He had an accent and said I was late on my mortgage payment. I have NEVER been late on a mortgage payment, nor had I received any notices.
A few days later I received a notice ( almost 2 weeks after the calls started ). I called PHHmortgage asking why it says I 'm late on my payment. According to the representative, my payment was applied to " principle only '' and the computer was not recognizing the payment. The representative said he made the correction and also advised that these phone calls were probably from their collection office.
The mortgage rep was not able to confirm the calls were legit!
This is the second time this has happened! And I am still getting calls even after I supposedly fixed it with the mortgage rep.
|
| 12/23/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I refinanced my home & was given funds to make a principal only payment on my 2nd mortgage. My 2nd mortgage is with PHH Mortgage. I make my regular payments to this company through my bank bill pay system. If you want to make an additional principal payment you must submit a check & a payment coupon. The regular payment ( from my bank ) was received by PHH on XXXX, the check I sent for principal only received XXXX. Because the check was processed first they took my regular payment out of that & applied the remainder to principal! When my bill pay payment came, they applied it to XXXX! When I was trying to talk to the agent this morning, she said that is the way it goes & I told her that no, the bank needs to reverse the payment for XXXX & apply it to XXXX & credit my account for an additional $ XXXX in principal payment. This company has been completely difficult in all dealings for about 10 years. What, if anything can I do? They say this " reversal '' can take up to 30 days!
|
| 06/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I mailed my mortgage payment to PHH Mortgage on XXXX XXXX and when I realized it had n't cleared on the XXXX of XXXX, my husband called the company to research. He was advised to wait over the weekend and then make a payment over the phone. My husband placed a stop payment on the PAPER check, made the payment over the phone, and thought the issue was solved. Today, our mortgage company " found '' the check and processed it, not as the paper check we sent, but as an electronic payment that was " undetected '' by the stop payment. When I called PHH Mortgage, they told me that my husband was advised not to put a stop payment on the original check. This benefits the company very well as they get double payment regardless ; meanwhile I scramble to protect myself from late fees, marks on my credit, and possible fraud from someone who may find my lost check. If I had wanted my payment to be electronically debited, I would have chosen to pay by thought the internet or over the phone.
|
| 05/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
IN 2015 escrow analysis the servicer ignored the prelim and actual tax assessment from the township creating large underpayment to escrow. Upon the next year escrow analysis the escrow payment is drastically increased per month due to previous years underpayment. I erroneously made the same payment I was making but within two days made up the difference. The differential payment was made well ahead of the grace period. I continued to get late notices since then because the partial payment was applied to principal and not my monthly payment so my principal has been paid down but I am now considered to be behind by a month. Fortunately I was in a position to withstand this dramatic monthly increase in my payment but even I will be adversely affected if I need to make an extra full mortgagee payment to correct their numerous errors. I brought this to their attention but they responded by ignoring the discussion on the phone where they agreed there was an error on their part.
|
| 06/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
As per [ Case number : XXXX ], When PHH mortgage Stated in a letter to the Attorney Generals office ; XXXX, that my mortgage was paid in full, on XXXX XXXX, 2016. And where they stated to you people, " Consumer Finanical protection Bureau '', in a email, mortgage was paid in full. To this date, XXXX XXXX, 2016, I have not received the escrow money that is due me for the taxes and insurance, in the amount of : {$2700.00}. They did not send any money to the Tax collector, XXXX, Pa. XXXX. Tax Collector XXXX, Phone # : XXXX, nor to the Hazard insurance Company, XXXX, XXXX., XXXX, Pa. XXXX. XXXX phone # : XXXX, in XXXX 2016. My understanding is they had 30 days after pay off to send my Escrow money back to me. Again, I reiterate, we are now in XXXX 2016, three months later.
On XXXX XXXX, 2016, My attorney, XXXX, from the office of ; XXXX, sent PHH Mortgage a letter asking for the Escrow. The letter was to no avail. No response, nothing. The letter was completely disregarded.
|
| 01/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I paid off my mortgage loan in XXXX XXXX. I was due an escrow refund of {$3300.00}. I called the mortgage company, PHH Mortgage, XXXX New Jersey, on XXXX XXXX, XXXX to inquire about they money they owed me. A person named XXXX XXXX said they had to research the matter, and I would receive a letter of resolution from them by XXXX XXXX, XXXX. I did not receive anything. I called them on XXXX XXXX, XXXX and they said they would have to analyze the account. I objected to this, so they put me on the phone with a supervisor who told me they would send the escrow refund via XXXX that day and call me with a tracking number. They did not call me with a tracking number. I called them on XXXX XXXX, XXXX and they said they would send the check but did not have a tracking number yet ; they told me to call back later that day for a tracking number. I called on XXXX XXXX, XXXX and they said I would receive the check by XXXX XXXX, XXXX. I do not believe they intend to refund my money.
|
| 06/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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Trying to pay off a mortgage. I have not received a statement from company in two months. They said they were mailed. I went online with their website and got a balance and sent a electronic check which should reach then XX/XX/19. I tried to get a pay off amount and website said that was not available online. I called them and took two hours on phone before an agent answered phone. I was told that he could not give me a payoff at that time it could be faxed or mailed to me. They had to call recorders office to get recording fee. I could call back in three hours and get a payoff. I answered a survey giving poor ratings XX/XX/19 and received a call XX/XX/19 asking about survey. I asked that person to give me a pay off amount and he said it was not available and would request it to be sent by fax or mail. Their poor service is not right. I am calling as I file this complaint and have been on hold for over fifty minutes. Are they even license to do business in California.
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| 07/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
The mortgage company continues to make it difficult for me to get assistance online and I still can not get into my account online. When I attempt to ask for a new password, I get a message that I need to call ; I 'm then connected with their aggressive collection oriented " customer service ''. These people are combative and abusive in tone and have not been helpful and can not help with a password reset. The company sent me letters asking me to log on for loan assistance and when I tried, I was looped back into the scenario ; get your password, password link does n't work, call " customer service '', get collections people who do not help and tell you to call for help resetting password. These " customer service '' people are not even kept up to date with letters that were sent to me from the company which I tried to seek clarification on. They had no records or copies of letters and had nothing to offer by way of assistance but continued with collection techniques.
|
| 05/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
For the last two plus years I have been trying to get a loan modification from PHH Mortgage. In the beginning it was XXXX XXXX who sold my mortgage to PHH. I submit the required paperwork only to be sent a letter that states my packet is missing some document. I resubmit all the required documents ( which I did the first time ) only to again receive a letter that states the same thing that I am missing a documents. I was notified XX/XX/2015 that my home was going to be sold at a sheriff 's auction. My lawyer again submitted the paperwork, only to have the date postponed until XX/XX/2015. We were told they were looking everything over and that the sale was postponed until XX/XX/2015. I was under the impression that this would not go through as they finally acknowledged they had everything needed but no response from them and on that date my home went into foreclosure with them never once offering me a modification. I want a modification and do not want to lose my home.
|
| 06/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
Our mortgage company, XXXX XXXX XXXX, transferred our loan to PHH Mortgage company. We have been recently denied a modification and as a result are facing foreclosure. The problem is PHH mortgage is not able to give us an accurate amount owed so we can resolve our arrears!
We received a statement stating the arrears are XXXX. Then I spoke to XXXX today from PHH ( XX/XX/19 ) stating the arrears are XXXX. My husband spoke to someone yesterday who stated the arrears are XXXX!
We have made payments we have receipts for that have not been applied to the delinquency, because according to XXXX, the loan was transferred and payments have not been updated! The loan was transferred almost a year ago!
We have asked the company 's OMBUDSMAN to intervene several months ago and do a payment search and he has not given us information either.
We are requesting your help. We are facing foreclosure and would like to know the amount we owe so we can try and resolve this. Thank you.
|
| 01/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
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I purchased a home in XXXX XXXX in XXXX XXXX. In XXXX I asked that my mortgage company escrow my real estate taxes. My monthly payment was {$3300.00}. At the end of XXXX XXXX, I received a call saying my mortgage account was past due. I have my bank automatically pay the amount due every month. Apparently the escrow amount went up and caused my monthly payment to increase. I asked what the issue was and I was told that taxes had increased. I knew this to be untrue. Then they told me that before taxes were only paid once a year and now they taxed me twice a year. This was also untrue because LA always charged taxes twice per year. After 45 minutes on the phone, I learned that the escrow calculation was grossly inaccurate and now I 'm paying double for the next year - almost {$1000.00} more per month. This company 's procedures are inadequate, cause economic hardship to consumers, and the company 's customer support and inadequately trained and deceptive to consumers.
|
| 03/06/2017 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
|
PHH Mortgage Services, XXXX XXXX, NJ XXXX.
My mortgage servicing company PHH Mortgage Services, XXXX XXXX, NJ XXXX. This company has been harassing me and my family for over XXXX months. They call many times daily and they consistently mail threatening letters of harassment & threats. They say I am behind on my payments. However, I have never missed a payment. I try my best to explain to the bill collectors that constantly harass me and my family and sometimes some of them even get it. I mean they can actually see that I never missed a payment. However, that recognition by some, never stops the harassment I receive from all the other PHH collectors. I even have supervisors who are not willing to see that there has been a serious mistake made on my account. This must stop now. PHH Mortgage Services, XXXX XXXX, NJ XXXX. Must take the time needed to fix this ongoing injustice and it most certainly will take someone for the Corporate office to correct and compensate.
|
| 10/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had my loan servicer changed apparently which I discovered when my payment was returned. My old company very nicely helped me get the new company information which I input into my online XXXX XXXX billpay.
That payment was sent out and recieved successfully several months.
Then my XX/XX/XXXX payment was rejected by PHH Mortage and returned to XXXX XXXX creating a late payment and fees and so forth. My repeated calls to PHH resulted in being treated like a liar and an XXXX when i clearly had proof of successful payments and a rejection by PHH of my payment through XXXX XXXX.
Now PHH refuses to work with me and has assessed fees of various kinds and i am sure has dinged my credit.
I do not want to work with this company and feel they are a terrible company.
I did not consent to have my loan servicer changed and want my old one back!
I cant be looking forward to 30 years of this TERRIBLE customer service and deceptive practices.
https : //www.phhmortgage.com
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| 08/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX I had severe damage do to my home because of 35 feet of snow in 20 days. It was a natural disaster, historical for the XXXX area. My home has been under construction since XX/XX/XXXX after the snow melted. I have a XXXX child that has in home therapy that had to be changed to 50 miles away from our home because of construction with meals outside of our home because of lack of use of our kitchen. Our homeowners insurance company XXXX has taking up to 8 months to approve the repairs. So permits have lapsed and winter weather restrictions have pushed this construction back. I have notified my mortgage company XXXX numerous times before I got into financial problems and have applied for a homeowners assistance program/loan modification. I have been denied twice. I want to stay in my home. I am a XXXX XXXX year old ( XXXX ) and have a severely XXXX child. I will mail you the corresponding documents by mail.
Please help ... ... Tell me what to do next!
|
| 09/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
this complaint is with Coldwell banker mortgage servicing. My issue is in XXXX I made my mortgage payment along with the escrow shortage I used the coupon they sent me. They applied it to my principal so when I made XXXX payment I started getting calls attempt to collect a debt!! XXXX XXXX they filed a work order to fix it. Now I come to find my XXXX and XXXX payments have been cashed not applied to my loan but they cashed my checks!!! Where exactly is my MONEY in a interest bearing account???! I have also received paper work a week ago for early intervention assistance because my loan is in default! You get absolutely no place with these customer service people, you speak XXXX, I have turned them into the office of the president and this matter has still not be resolved. What is my recourse here this a RESPA violation under # XXXX there should be some restitution involved here! On top if they have ruined my credit. This is just absolutely unacceptable.
|
| 09/29/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I typically overpay my mortgage. I run XXXX months ahead of my payment. PHH Mprtgage has be two months ahead in XXXX 2015, then their accounting went crazy. My payment is {$1200.00} a month. They applied {$1800.00} to XXXX/XXXX/2015 payment. Then I started getting nasty letters from them saying I was overdue. I ended up paying {$5300.00} toward my XXXX/XXXX/2015 payment and {$3000.00} toward my XXXX/XXXX/2015 payment. Did a law change allowing lenders tyo change the terms of my fixed mortgage? They cant recalculate mt mortgage each time I overpay. They are essentially penalizing me for prepayment by keeping my maturity dadate fixed and making me due every month no matter how much I applied to my principal. I depend on having a cushion of a couple months for when I deploy. This is total XXXX. I have complained to you about XXXX doing the same thing. and they responded with a XXXX answer and continue to do the same thing. XXXX banking practices!!!
|
| 06/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have automatic payment set up through my checking account to pay my mortgage. PHH is supposed to take out my mortgage payment every month + {$200.00} extra to put on my principle. It is now XX/XX/19 and they have not taken out my XX/XX/19 payment. I have sent emails and no one has responded. I have called 2x and was put on hold for 1 hour each time just to be told they did not know why the auto payment was not taken out, and to call back later if it still was not taken out. I need a call from a manager from America immediately so I there is no miscommunication. I need this to be fixed ASAP, before PHH starts charging me late fee 's and it shows up on my credit report that I was late on my mortgage. This is utterly ridiculous, last month i sent a check in by the mail and they did not cash it for over 2 weeks. There is a total lack of accountability with this mortgage company.
{$1500.00} supposed to be taken out XXXX of every month XX/XX/19
|
| 01/19/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I contacted my mortgage company on XX/XX/XXXX regarding what options I had to apply for Home Assistance programs to assist me in resolving my back payments. The back payments were a result of being XXXX. I expressed all of this to the agent I spoke with and she offered to send me a package that needed to be returned by XX/XX/XXXX. On XX/XX/XXXX. I received a letter from PHH Mortgage and my " case manager '', XXXX XXXX, still expressing an interest in helping me. On the same day, I received a letter from a foreclosure Attorney stating my home if being put up for a Trustee Sale on XX/XX/XXXX. I called PHH today, XX/XX/XXXX, and was told that I can not stop the foreclosure unless I pay the past amounts and that the package is no good. How can this be if the paperwork clearly states that I have until XX/XX/XXXX to turn it in??? This is another example of Mortgage companies lying to customers and to avoid helping them and ruining their lives
|
| 03/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
Husband received XXXX and had to move. Contacted XXXX ( originator of loan ) and was told that mortgage qualified for XXXX short sale and I needed to work with PHH who now owned my loan. PHH loan specialist mislead ( in writing ) that our first and second mortgage was covered in closing documents and that this was a XXXX short sale. The closing documents also misrepresented this fact. A few months after closing, XXXX creditors came at me stating loan was not included for which I continued to pay on for over 2 years. PHH put in writing that this was indeed 'all included ' only to retract after the fact. Now after almost 5 years, we applied for a mortgage loan and was told that it was not a HAFA but a regular short sale and that we do not meet the criteria. All communication to date has stated otherwise. This has been extremely XXXX and frustrating. And to top this off - the Title Company now wants the money from the 2nd mortgage payoff.
|
| 07/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We sold our old house on XXXX XXXX, 2015, and dropped our home owner 's insurance from XXXX XXXX. We also have auto and home owner 's police through state farm on our new house. The underwriter removed the multi policy discount on all of our policies. On XXXX XXXX, 2015 XXXX XXXX billed our mortgage for {$1300.00} when our policy premium should have been XXXX. According to our mortgage company, they claim they sent us a statement showing and increase in escrow dated XXXX XXXX, 2015 ( we never received ). They debited our bank account on XXXX XXXX, 2015 for {$1000.00}. The authorized debt amount is {$700.00}. They debited our account for an unauthorized amount of {$380.00}. Our insurance company is in the process of refunding us the amount of overpayment. Federal law requires a 60 day notice of any escrow changes before the account can be debited. ERA mortgage debited our account on XXXX XXXX, 2015, less than the 60 day claimed notice.
|
| 11/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
RE : CFPB Complaint # XXXX Thank you for the update on my complaint filed on XX/XX/17 regarding my situation with PHH Mortgage. Interestingly, I just received another advertisement in the mail from PHH ( see attached copy ) regarding the exact thing they offered me before and later denied. They bait people in saying, because of our excellent standing and estimated home value we may be able to receive cash out funds. I understands it says may, but then when you speak to one of PHHs ( I assume ) commission driven representatives, they further encourage you with statements about how we are in a great position to proceed. Then they basically steal over {$700.00} from you in a blink of an eye. Depending on the response I receive from PHH, which should not even take this long to resolve, I will decide if I will proceed with other avenues available to me. In the meantime, however, I will await a response from you.
Best regards, XXXX XXXX
|
| 10/05/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I made the decision to purchase a home and my realtor suggested PHH Mortgage Broker ; I should have researched the matter but I did not and agreed to use them. They have made the whole process harder than it needs to be and have repeatedly asked for information that had already been provided. The close has been scheduled three times and each time the underwriter has comes back with more requirements. Instead of having an open line of communication it is one way ; the whole process is terrible and while I know things have changed PHH Mortgage is a hard company to deal with that does nothing to help the customer. I reached out to another company, XXXX XXXX and they were much more helpful but unfortunately for me I have only XXXX options walk away from the house XXXX a cash offer is on the table ) or continue with the bad choice of PHH Mortgage. I want to ensure this does not happen to anyone else. Research the mortgage broker/company!
|
| 08/12/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In the latter part of XXXX 2017, I received a letter from PHH, the company that services my mortgage. The letter was an escrow analysis and indicated that my escrow account had a projected deficit of {$320.00}. The letter gave me the option of doing a onetime payment or spreading the shortage out over 12 months. When I sent my XXXX payment in, I added the {$320.00} escrow shortage in with my regular payment. I wrote on the payment coupon that I was enclosing {$320.00} for the escrow shortage. I also sent them a letter stating that the extra {$320.00} was for the escrow shortage only! I mailed the payment priority mail and confirmed the delivery. Today I received my XXXX mortgage statement. Despite my clear instructions, they did not apply the {$320.00} for the escrow shortage. Instead they applied it to my principal balance and are billing me for the {$320.00} escrow shortage. This should be illegal and fraudulent on their part.
|
| 03/08/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
PHH Home Loans provided false information on my XXXX XXXX, XXXX loan application stating that I had six years on one job whenthey knewI provided them my tax information ( XXXX ) and bank information of my various employers XX/XX/XXXX when I received my pre approval letter. Please see attachments. They did not include all of my employers on my application that I provided them. I received the loan application with my information already filled in by PHH Home Loans. All I had to do was sign certain pages. This is another example of PHH Home Loans intentionally providing false information and being deceptive, which is proving to be a pattern for them. Please see attachments. Their actions have caused me to be homeless and to max out my credit cards due to living out of a hotel since XXXX XXXX, XXXX, which my loan officer knew about prior to PHH Home Loans denying me for a loan in XXXX XXXX, XXXX I qualified. Please see attachments.
|
| 04/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
We are suffering from a financial hardship and have been unable to make our mortgage payment for some months. This situation began last XXXX/XX/XX/XXXX when our vehicle was vandalized and has continued till now XX/XX/XXXX. Our vehicle was vandalized last XXXX/XXXX which made it necessary for us to rent a car for transportation, paying the majority out of pocket since our insurance only covered 30 days @ {$30.00} per day, Then XX/XX/XXXX our bank account was hacked and {$3400.00} was removed from our account, This amount represented the bulk of our income for the month and we had no way of replacing it. We have called our mortgage company, PHH, on a regular basis for some months to keep them informed of the situation we are experiencing. We have received a package from them to submit for consideration for modification or some other form of relief. We are retired senior citizens on a fixed income, my husband is a XXXX veteran.
|
| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX outsources their services to PHH. In 2017 they paid property taxes after I paid them. Then they billed me {$1000.00} more per month for the delta. I could not and would not pay as it was not my fault. Thanks to the CFPB, PHH resolved the issue after 5 months and countless calls for hours. Case number XXXX My problem now is that PHH is charging my late fees in excess of {$200.00} for something that was delayed due to something that was their fault. I did make my normal payment. They refused to recognize payment and billed late fees. Furthermore, they have tarnished my credit bureau score at the same time. I have left countless messages for XXXX XXXX XXXX My last attempt to do this without CFPB XXXX XXXX agent id XXXX would send the request to remove the late fees to his manager. All future correspondence will be done by USPS mail. As PHH has not once done anything promised, I am forced to submit this plea for help
|
| 01/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After purchasing my home in XXXX of 2012 for a purchase price of {$230000.00} and an appraised value of {$250000.00} it was noted in writing that PMI would be dropped after XXXX percent of the purchase price was paid with a certificate of value showing the home had maintained it 's value, or automatically after XXXX percent of the originally purchased price was paid.
I paid off XXXX percent of the purchase price and obtained a certificate of value, but unfortunately the certificate was prepared by the bank and it shows that my home is now worth only {$210000.00}. This can not be true since all homes in my community have increased in value since 2012, and the recent tax assessment of my home is {$300000.00}. I therefore believe the bank is showing a low value simply to prevent my payment from being reduced. My mortgage banker is Coldwell Banker Mortgage. I have attached a copy of my latest tax assessment for your records.
|
| 07/29/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I have been getting the run around on a legal description that is incorrectly filed. The loan number is XXXX and the company is PHH Mortgage. PHH originally told me that since the loan was sold to XXXX that XXXX had to make the correction. Upon further investigation and a complaint filed with the CFPB it was discovered that the correction needs to be made by the original company which is PHH. I contacted PHH and was given an apology and told that since the mistake happened before the loan was sold to XXXX that they would correct it. I submitted a request to PHH on XXXX/XXXX/2015 to the email address provided to me but when I followed up 30 days later I was again told that XXXX is who needs to correct the legal description. I asked for a letter of explanation but was told that it probably would not be provided. The representative I spoke to was very helpful but whomever she had to speak with would not correspond with me.
|
| 01/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I suffered an insurance loss and promptly reported the loss to both my insurance company and my mortgage company. The first payment for replacement of cabinets, painting and drywall was issued to me with no problem. The second part of my claim pertained to my wood floors. My insurance company allotted me funds for a full replacement of all flooring in my downstairs however my floor contractor was able to replace/repair only what was damaged which resulted in a much small amount. My mortgage company is refusing to release my funds to me even though all repairs have been completed and the inspector from the mortgage company has approved all repairs. Per the terms of my deed of trust, once all repairs are completed and approved funds are to be released to me. I may or may not decide at a later date to have more flooring replaced however all repairs have been completed to the satisfaction of the mortgage company inspector.
|
| 04/12/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Back in 2009 when all the housings went underwater my mortgage went upside down and is still hunting me now I did not walk away like most people did I stuck it out until now I asked for a principal reduction not a modification I don't qualify for refinancing through them or anyone else want touch it because of the upside down mortgage owing {$82000.00} and a home is only worth {$17000.00} due to the 2009 illegal appraising of homes and other illegal measures I asked him could they at least bring it down to XXXX XXXX or a number that makes better sense they said the only thing I can do is modified alone I have been told to let the home go into foreclosure and buy it back I don't want to do that it mess my credit up I am up to date on my payments had to do a bankruptcy chapter 7 in between this the loan is not reaffirmed they would rather lose {$82000.00} then lower the principal so I can stay in there this is unfair
|
| 05/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I am writing regarding the harassment & fund embezzlement done by PHH mortgage company XXXX XXXX XXXX. We are the current owners of this property and are having difficult time getting our house repair completed ( water damage ). We closed this house on XX/XX/XXXX.
XXXX XXXX XXXX has sent the check to the PHH Mortgage of {$14000.00} dated XX/XX/XXXX check # XXXX. PHH Mortgage company have already cashed it out but are not diverting the funds towards right claim ( they are not sending it back to us on XXXX XXXX XXXX ) .Claim # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
My realtor contacted and I personally called PHH mortgage company on several occasions.PHH mortgage is giving my realtor, previous owner and us a run around.
We are harassed mentally physically and monetary wise.Kindly, help us by intervening into plea of our.
Best Regards : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
XXXX XXXX XXXX XXXX
|
| 02/14/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was released from bankruptcy at the end of XXXX 2016 I received all my paperwork releasing me from that bankruptcy. On XXXX XXXX of this year I requested a payoff statement I was told it could take up to two weeks to get when I did not receive it I began calling and was told several times it was in the mail I have yet to receive it I also asked that it be faxed to me they took the fax number but i never received the fax. When I called back to question them I was told I can not receive a pay off and no one should have never told me I could because they consider me still in bankruptcy I contacted their attorneys office who told me they no longer have me in bankruptcy and I am entitled to a pay off. I still have not received my pay off which is only good until tomorrow XXXX XXXX. Every time I call there I speak to someone different and get a different answer none of them are right all I need is my pay off.
|
| 09/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
This is in regards to my mortgage servicer PHH Mortgage. They have used this company from Texas called XXXX XXXX XXXX to enter my home and break in. The home is not yet foreclosed on. They went to verify occupancy. It is a XXXX home in XXXX so there was no food or clothes anywhere. I contacted them and the XXXX Attorney General. The result of that was that they just wanted to see if it was occupied. They have also put XXXX signs on my door saying the property is managed by XXXX XXXX XXXX. The home is also on private property. The property has not been transferred over to them so they do not own the property. They also transferred the property to us with a defective deed. They also told me they could n't produce any paperwork as to who owns the mortgage. This is in XXXX XXXX XXXX and the case number is XXXX XXXX. Is there a way you can look into this and see if this is legal.
Thank you for your help
|
| 06/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mother became ill with XXXX, and was living with me during her treatment. I believed her mortgage was on an autopay system through her bank because all of her other bills were arranged that way. She XXXX on XXXX XXXX, 2017, without a will. Shortly after her XXXX, she received notices in the mail that she had missed a payment. In XX/XX/XXXX and XX/XX/XXXX, I tried to contact the mortgage company in order to keep the mortgage current until we can sell the property. The company will not provide me with any information at all on how to keep the mortgage current, where to pay, how much to pay, etc. I have sent several payments to the company, with what I think are the right amounts and to the right spot, but foreclosure notices keep coming in the mail. It is like they are intentionally trying to foreclose on this property without even giving me the chance to make payments until I can sell the house.
|
| 12/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Lost my job in XX/XX/XXXX. I 've been trying to get my payments back on track since XX/XX/XXXX. I 've had 3 monthly payments returned to me. I applied for a loan modification and was denied. I appealed the decision for a loan modification and during the appeal and decision time was able to come up with the total amount due. I was given a due date to appeal by XXXX XXXX 2015, I sent a check to mortgage company for total amount due to bring my account current. I called mortgage company on XX/XX/XXXX to see if my check for total amount due had been received to find out my appeal had been denied and my mortgage was submitted to foreclosure on XXXX XXXX 2015 without written notification, or the chance to bring account current. I have been trying repeatedly to work with PHH Mortgage to get my account current. Seems as though they want me to lose my home. Very disappointed, and aggravated at this point.
|
| 03/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PHH Mortgage Services recently acquired ( XXXX-XX/XX/2019 ) my mortgage from XXXX.
XXXX provided PHH Mortgage Services with a summary of my mortgage and escrow amounts. PHH Mortgage Services in my first payment to them since their acquisition of my account increased the amount of my escrowed amount, applying extra to my insurance escrow and " other taxes ''. However, my insurance had not increased and what " other taxes '' were they collecting funds to pay. PHH told me they were collecting for an escrow reserve. However, when I pushed they told me they were aware of the " problem '' and would be evaluating my account. They also stated that even though XXXX had provided them with my mortgage and escrow summary, they did not follow that report and alternatively collected more money than was necessary. So, they took money from my bank account that I did not owe. I call that stealing and I am XXXX.
|
| 07/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PHH Mortgage of XXXX. XXXX, NJ had stated that they sent a check for an escrow overage. I never received the check from PHH. I contacted PHH a few weeks after I did not receive the check and they stated they would have a new check issued. I waited another 14 days and contacted PHH again. At that time PHH told me my loan was paid off, it was not paid off as my loan was just opened a year ago. I told PHH that my loan was still open and that I wanted my escrow disbursement. PHH then told me that the check sent for the escrow overage was " cashed. '' I stated that I did not cash the check. PHH then told me they would send me a copy of the cashed check in 7-10 days. After not received the supposed cashed check I contacted PHH again. PHH again stated that they would send the cashed check. I have not received the cashed check or the check that was not cashed. They have been a nightmare to work with.
|
| 05/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
We contacted PHH Mortgage, our loan company ( and several others ) to request a refinance of our loan on our primary residence. Our current loan is {$550000.00}, 30 year ARM at 3.5 %. We intend to pay down the loan with cash from a house we sold in XX/XX/XXXX.
The new loan would be {$190000.00} for 15 years, and after completion of loan application we were informed that we were locked in at a rate of 2.875 % After several days we did not hear back from PHH, I called to inquire when we would need to provide various documents to complete the loan process. At that time I was informed that due an error on PHHs part the rate did not get locked in and now it would be 3 %.
I thought this type of " bait and switch '' practice was illegal, but apparently the practice has not discontinued.
Here is the contact info.
PHH Mortgage XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Loan ID XXXX
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| 04/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I contacted PHH Mortgage to provide my statements via mail ; they refused. I asked them to a least provide the tax statement at the end of the year via regular mail. They told me that they were going to do it. However, they have n't provided any information via mail.
I tried to login in their website for days now and I keep getting the message below : We are currently upgrading this website.
The site will be back up no later than XXXX Eastern time.
Please stop back.
I need my loan tax information to complete my tax return. During the week is very difficult for me to call them because I work from XXXX to XXXX. However, I have tried a couple of times to call them from work. I got put on hold for over 20 minutes. I do not have the time to be on the phone that long. I only get 15 minutes breaks from work.
Can you please help me to get my tax information via regular mail?
Thank you, XXXX
|
| 05/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Since XX/XX/XXXX I have been paying home insurance ( XXXX XXXX ) and also paying escrow to my mortgage company ..XXXX sold my mortage to PHH XX/XX/XXXX.I have ask numerous times to be refunded and then was told the case was closed and they would only pay for 2 back years totaling {$5000.00}. Now they have left it up to me to fight the Insurance company XXXX ( XXXX ) whom they use. XXXX XXXX has records of my payment and there paying the mortage company also>I have since asked to be de escrowed told I wasn't eligible. after turning them over to the NCDOJ they are now looking into it again.
My mortage payment is around {$460.00} my insurance ( escrow ) is {$430.00} big problem here. I want to be de escrowed and my over payments returned..by whomever is responsible.
I have had numerous conversations and get the run around each time and someone different each time. Thank you for any help.
|
| 04/21/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was closing my checking account in XXXX XXXX and stopped electronic debit. I made a phone payment from my new account for the XXXX payment. The mortgage company also withdrew a second payment from the old account before it closed. They would not reverse the second payment saying I can skip the XXXX payment. I set up automatic debit from the new account for The XXXX payment. The mortgage company tried to withdraw from the closed account on XXXX XXXX . The payment bounced and they charged {$87.00} in late fees and an online payment. I tried to delete the old account from their records but ca n't. I called customer service ( in the XXXX ) but the representative could make no changes. I asked to transfer me to a USA representative but he told me I was unauthorized. I do not know how to fix the problem as the incompetence is at all levels. I believe they want the late fees.
|
| 02/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This company appears to be maximizing interest and fees charged to their customers by creating challenging payment terms. I enrolled in auto pay but choose to make additional principle payments. To make a principle payment on-line, a {$7.00} charge is assessed. To avoid this fee, I have attempted to mail payments to this company. Even though the checks are clearly marked " Principle Only Payment ( and my account number ) ''. the payment is not handled properly and they " suspend '' payments and monies do not roll into principle even when auto pay is processed. The other MAJOR issue is a payment mailed on XXXX/XXXX/XXXX was not posted until XXXX/XXXX/XXXX. 10 days to mail to a collection box is ridiculous and my feeling is that this type of payment is being held until regular payments are processed. I have tried reaching out to them for a remedy but have not received a call back.
|
| 10/08/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PHH the previous servicer of the FHA mortgage loan I had on my residence provided a payoff statement for the mortgage which was the principal plus 110 days of interest. The payoff was made on XXXX XXXX 30 days prior to when the scenario PHH provided was to expire which was XXXX XXXX.
It is now XXXX XXXX and PHH via their agents on the phone state they are not returning the extra interest and are making varied excuses from the reason they charge 60 days in arrears, which is still half of the amount charged, to the reason that they do n't collect interest FHA does and I need the FHA to refund me the surplus even though they are the originator and servicer.
Also communicating with their conveyance department is impossible. When I have to key in my loan information it takes over 1h to get through and they do n't accept emails. AS I have no recourse I am now reaching to the CFPB.
|
| 01/19/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
back on XXXX XXXX i applied for refinance with PHH Mortgage witch i have a loan with them at XXXX percent i was qualified for XXXX percent loan # XXXX after about 3 months i wast told that there is lien on the property since XXXX regarding a child support issue i called them and i spook to the title company ( XXXX XXXX XXXX ) and i email copy of the close case letter from the child support to both XXXX and XXXX XXXX XXXX XXXX told me i should not contact her nor the child support HPP should contact the child support and verify the issue all they need is to send a form to the child support. i also called the child support ( XXXX XXXX ) she was helpful and confirmed there is no lien on the property all they need to do is to send them the request now they cancel the loan and they charging me a appraisal fee XXXX the interest rate went up and it does not make since to refinance
|
| 02/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had a mortgage with Caldwell banker mortgage also known as p h h mortgage. We were to get a cash for keys from them in XXXX XXXX but instead they did a foreclosure. They still gave us funds to vacate the house on XXXX/XXXX/XXXX but was done improperly. With this we were involved with a class action lawsuit against them and in XXXX XXXX they settled with us by sending a check for {$4000.00} as settled with the state of new jersey for the wronged consumers. My problem is that we are trying to refinance our current mortgage but cant do so due to the fact that the loan/mortgage is still showing up as a foreclosure and not a cash for keys as it was to be done originally. Is there anything that can be done to correct this issue???
loan number was XXXX address was XXXX XXXX XXXX XXXX XXXX AZ XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXXXXXX
|
| 04/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Good Afternoon, I sold my home on XXXX XXXX, 2016 and PHH Mortgage still had {$4700.00} in my escrow account. I checked my account online and it showed that all escrow funds were disbursed to borrower on XXXX XXXX. 3 weeks ago I called PHH to inform them that my disbursement check had not arrived yet. The representative stated that she would expedite mail me a new check. 2 days ago I called again to find out the status of my check and was told that they have not issued a new check yet and would expedite a new one. In the last 6 years living in Texas I have experienced only XXXX situations where mail got lost and in both cases it was mail from PHH with large value Escrow funds checks ( this occasion and when I sold another house about 3 years ago ). I find this to be an extremely implausible and unacceptable coincidence that should be compared with other consumer reports.
|
| 02/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My chapter XXXX discharge granted on XX/XX/2009 included my mortgage and Second PREDATORIAL Lending 125percent LTV where the loan was charged off. This discharge stopped me from owing on these loans on a personal basis and any proper residential Liens would survive. So, if I owed nothing on a personal basis why was a loan modification offered and completed when I owed nothing personally? Why was a chapter XXXX claim accepted if I owed nothing personally.
I was very I'll during these times and you knew it and took complete advantage of a now XXXX XXXX XXXX Man. It goes both ways meaning something can be applied for but to not violate the consumer fraud act by doing nothing on your end where the discharge was in effect and so many other things should have been done on your end as well. This ALL constitutes FRAUD and many other Violations. My current foreclosure is Fraud.
|
| 12/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
PHH Mortgage - phhmortgage.com Mortage payment is {$2500.00} - paid exact amount, on time, every month, for over 3 years.
XX/XX/XXXX : During EFT from XXXX, inserted a '4 ' and did n't notice - making that payment : {$25000.00}, XX/XX/XXXX : We noticed the error - called XXXX - XXXX contacted PHH with me on phone - PHH had deposited the transfer, said they could n't unwind the payment - {$23000.00} does show applied to principal - PHH promised a return of the difference : {$23000.00}, within 7 to 10 days XX/XX/XXXX : Have not seen over-payment returned - amount still credited to Principal - called them, they now say they will return my over-payment in 15 business days - they offer no explanation of why they did n't send the money as promised on XX/XX/XXXX - i asked to speak with a supervisor, and was told they were all busy This is wrong and worrying behavior.
|
| 11/30/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My husband and I applied for a loan modification through PHH mortgage after missing payments, which we had been instructed to do by the mortgage company in order to get a modification started. We had not missed a payment in over 7 years at that point. Once we received the modification and agreed to it, we made 3 good faith payments on time. They sent us the final documents and my information was incorrect. We sent copies of my license and SS card as instructed and then never heard anything back. We called and left messages several times a week for months until we were finally notified via mail that a foreclosure was imminent because we had " declined '' their offer, when in reality we just wanted to make sure the papers were correct. Now we are being told we can agree again but owe the months leading up to this when they failed to do their job in a lump sum.
|
| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage is with PHH mortgage company. Our house payment decreased yet the mortgage company refuses to take out the correct amount from our checking account. We have it set up as automatic drafting which they control. I noticed the amount in XXXX and contacted them at that time. I was assured that the problem was corrected yet twice a month they continue taking out the old payment which equals to an overpayment of {$240.00}.
I have requested the automatic drafting be stopped and I will pay it myself but that also has not been done.
I finally contacted my bank and for a {$36.00} fee they will stop the payment but only for 6 months. My bank hopes this will force them to make the requested changes.
I am not able to speak to anyone in a position or to that specific department that controls such matters. I feel as if my bank account is being held hostage.
|
| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX XXXX XXXX / PHH Mortgage Services, chooses not to look into loan errors affecting my loan assistance request. This loan servicer is not treating me fairly but opts to foreclose on me, yet my household income is currently stable and adequate to save my home.
1. Part of the reason my loan modification was denied, is because this servicer has incorrect data input on my loan file.
2. This servicer also did not calculate my income correctly during the loan review.
3. This servicer is keeping the foreclosure saledate active, as they will not bother to look into the other claims in my appeal request. Its seems much easier for this servicer to foreclose on me, than investigating my loan file or analyze it appropriately for a possible home retention plan.
The circumstances that led to my default were inevitable and are behind me at this present time.
|
| 06/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
We were behind in our mortgage for years due to a illness in our family. We finally were able to get help for our son, but the process took it 's toll on us financially as well as emotionally. Once we were able to place our son in a facility where he was able to get the help he needed, now in recovery, we were able to reclaim our lives and get our business back on track. Over the last 1-1/2 years, we have been earning an average of $ XXXX, and more than enough to pay our mortgage. We attempted to modify our loan and over the last 6 months showed the bank, PHH Mortgage Services representing Coldwell Banker, that we had been earning steady income and more than enough to pay our mortgage. Ultimately, PHH denied our application and our home was foreclosed on XXXX XXXX. We sent a certified letter requesting the reason for the denial and have not had a response.
|
| 01/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I refinanced my mortgage on XX/XX/2016 with XXXX XXXX. My original mortgageholder was PHH Mortgage. Because my real estate taxes were due XX/XX/XXXX, both companies paid my taxes, PHH paid them through the escrow they held from my monthly payments. Because the check from XXXX XXXX was received first, XXXX County cashed their check and returned the payment made by PHH Mortgage. This was confirmed by XXXX XXXX County and also by PHH when I contacted PHH Mortgage about the return of my escrow. I was told I would have to wait until it was processed. That was two months ago. I have repeatedly tried to call PHH Mortgage about the return of my escrowed monies and I am unable to reach anyone. They have collected and held my tax money since last year, and while they tried to pay it XX/XX/XXXX, since it was returned to them, this money should now be returned to me.
|
| 12/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My current lender is PHH mortgage. I am trying to refinance into a lower interest rate and lower monthly payment through XXXX mortgage. I am recently discharged from Chapter 13 bankruptcy. I am attempting to get my statement from PHH but they are refusing, They are telling me that the discharge of bankruptcy from the court is not enough. They claim they need a " termination '' of bankruptcy from the court. When I spoke to the BK department of PHH, they refused to give me the employee numbers. When I attempted to call the New Jersey office, I was transferred to XXXX to speak with XXXX who again would not give me an employee number and then he transferred me back to NJ, twice, where they hung up on me each time. These events all transpired between XXXX and XXXX on XX/XX/2016. I am just trying to get me statement from my current lender in order to refinance.
|
| 06/26/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am currently trying to resolve a matter with PHH mortgage company. We 've have a prior run-in with them before and the CFPB was very beneficial in helping us. PHH illegally went to sale on our home in XXXX. Once we called them out and filled a complaint, they vacated the sale. They 're now they 're refusing review our request for loan modification on our VA loan and to stop a sale date on our property. The filing of sale was posted on XXXX XXXX and set for XXXX XXXX.
PHH is stating that they will only postpone a sale if it is XXXX days prior to the sale date - the difference between XXXX XXXX and XXXX XXXX is XXXX days. This XXXX day rule would make it impossible to stop the sale according to PHH.
We need your help to stop this action - we are working tirelessly with them to try to resolve this matter and they are making that as difficult as possible.
|
| 06/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XX/XX/XXXX I started the hamp trial made all monthly payments on time on XX/XX/XXXX they extended the trial for agreements on my XXXX payment says applied to XX/XX/XXXX and ever since that I have received a late fee every month and I have never missed a payment it showed on the mortgage web site and I have all bank statements that prove this and the company refuses to listed I have seen docs highlighted have called they do no carePhh mortgage / Coldwell banker mortgage they will not remove PMI insurance the value is good they will not help in any way and for the XXXX 5 years of hamp trial you get {$1000.00} a year for payin on time = to {$5000.00} I have received XXXX credit to principle of {$1000.00} and nothing else costing me over {$9500.00} not include all the time and stress for the last 5 years I do n't know what to do plan on file a law suite
|
| 01/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2018, I contacted Loss Draft Department for PHH Mortgage. I indicated that I had suffered severe damage to my residence and had a check from my insurance company made payable to myself and PHH Mortgage in the amount of $XXXX. I was told by the customer service representative that 1/2 of the amount would be sent back to me immediately and the remainder would be paid once the repairs were made. I receive no calls until I called to find out the status of the check. I was then told that I receive wrong information and no funds would be disbursed for repairs until I provided a signed contract, XXXX form and signed conditional waiver from the contractor. These forms were provided to PHH on XX/XX/2018. At this point, I have had several calls with PHH and they have indicated that they have not and will not disburse the funds to repair my residence.
|
| 03/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
PHH Mortgage Service with account number XXXX is reporting my account on XXXX as Foreclosure proceedings started as of XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
But then they also list the account as 180 days past due as of XX/XX/XXXXXX/XX/XXXX6, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX toXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XX/XX/XXXX
This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.
|
| 01/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Hello, My home mortgage is managed by PHH Loans XXXX My mortgage owed each month is roughly {$920.00}. I pay {$470.00} every XXXX weeks. So I pay extra, and at the end of the year I 'm usually a month to 6 weeks ahead in payments. So in the long run of 30 years, I 'll save thousands in interest and a few years off the loan. However, the mortgage company does not process my payments correctly. Every few months, I will received a call saying that I am short on my payment. I 've even had foreclosure paperwork sent to me. I 've spoken to their representatives about correcting the mistakes. Because I should be 2-3 months ahead of my payments, and I 've put extra money toward principal.
I am very concerned about how this company is managing my payments. They seem to adjust things randomly. They should at least know that I am not behind in my payments.
|
| 08/26/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I currently have a home loan with my ex husband with PHH Mortgages. We filed for divorce and in the divorce decree he became liable for the home and paying the payments. He ended up missing XXXX payments which effected my credit fairly substaintailly. when I became aware of the late payments, I ensured that the account was up to date and have since. I presented to them that I have the legal documents that he is obligated to make the payments each month and that I am not responisble for the payment. I asked them to remove the XXXX dings on my credit and they would not. I offered to present the paperwork and they still would not. The home is now being sold. I even filed with XXXX as a discrepency and they would not remove it. I would have never let these become a late payment. I was not even notified as they had all of his information in the file.
|
| 01/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XX/XX/XXXX PHH mortgage issued an escrow account analysis which indicated that the escrow account for my mortgage had a surplus, as defined under 12 CFR 1024.17. The escrow account analysis also indicated that payment of the surplus would be refunded directly to me rather than credited against future escrow payments. The escrow account analysis stated that a check for the amount of the escrow surplus would be mailed within 20 business days. As of today, XX/XX/XXXX, I have not received a refund of the escrow surplus. On XX/XX/XXXX I spoke with a customer service representative of PHH mortgage and informed them that I had not received the escrow surplus refund. The gentlemen I spoke with immediately informed me, without appearing to conduct any investigation into my specific situation, that a check would be issued and mailed to me that week.
|
| 05/31/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
my Property was going to foreclosure on XX/XX/XXXX, I tried doing re adjustment but they said i can't do that, they gave me 2 months to do short sales or readjustment then I sent all the paper work they needed to do short sales, than they get back to me on XX/XX/XXXX and said all the paperwork i sent was out dated its been 2 months i have to send all the paper work again, witch i am willing to do but I travel for work so its hard for me to send 2 years on taxes ( 90 pages ) bank statement s ( 50 pages ) paychecks all this via fax, and they still can't guaranty its not going to foreclosure and foreclosure on XXXX the XXXX, they wait 2 days before the foreclosure to tell me all my paper work was out dated, this is just crazy, they are not willing to do readjustment they wont let me do short sales i am trying to avoid foreclosure, please help.
|
| 03/06/2019 |
Yes |
|
|
|
Web |
|
|
We are doing a short sale since XX/XX/2018 with PHH Mortgage as the mortgage lender. This is an FHA loan and has a HUD partial claim. Now, they denied the short sale because the the homeowner has a Federal Tax Lien. We told him that once we can get the approval letter of the short sale, we can process a discharge of the lien from the property through IRS.
PHH Mortgage said that according to FHA they will not approve the short sale unless the tax lien is paid in full so the title will be cleared. We told them this is not how it works. Based on FHA loans that we handled before, they just approve the short sale even with the tax lien. I called HUD ad they confirmed that the tax lien should be settled. We were surprised because this is the first time that we heard this matter. The homeowner has financial hardship so she can't pay this lien.
|
| 03/01/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I am trying to the best of my ability for a XXXX year to save my home. I have lived in this property for over twenty years and want to continue to remain here the rest of my life. I would like to receive a reasonable modification but have been told that I have to pay the arrears of {$21000.00} which I am unable to do. I deeply fill I am discriminated against. I need the mortgage company to work with me. I fell behind due to a loss of income, illness myself and partner plus a major home repair that had to be taken care of. All is well now and I am able to pay my adjusted modification mortgage when given. I am working plus my monthly Social Security is enough to take care of my mortgage, I am asking for your assistance in the handling of this matter as soon as you can as I don't want to loose my property. Thanking you in advance, Kindly,
|
| 11/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have not been re-reimbursed for the remainder of my escrow account after the mortgage loan payoff. I have called several times and keep being told a stop payment will need to be submitted along with a new check issued and that this will take several weeks. Each time I call they say they need to submit the paperwork, apparently nothing is being done.
The following are the dates that the mortgage company PHH has on their website about the refund. I received a letter from PHH mortgage on XX/XX/2018 with the loan payoff details but there was no check enclosed.
Applied Date Due Date Description Amount XX/XX/2018 Escrow Funds Disbursed to Borrower - {$390.00} XX/XX/2018 XX/XX/2018 Loan Paid in Full {$65000.00} It is now XX/XX/2018 and the check has not been sent out yet. I am being told another 5 business days I should see this check.
|
| 02/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Good Morning, This is regarding a problem with a paid off mortgage in XXXX XXXX with PHH Mortgage in XXXX. XXXX, NJ. The mortgage of a home in New Jersey was paid off back in XXXX XXXX and we are still trying to receive the money from a TAX OVERPAYMENT made BEFORE the mortgage was paid off.
Now it 's XXXX XXXX, OVER THREE MONTHS since the mortgage was paid off and the tax payment made in our behalf to the town. After NUMEROUS CONTACTS over MANY MONTHS to PHH Mortgage Customer Service, PHH Tax Department, the township in various forms, we are still waiting for a tax refund which was requested in XXXX XXXX.
Your efforts to help us secure money that was deducted from our accounts and paid by PHH Mortgage from our accounts would be helpful. Please help us RETRIEVE OUR MONEY back from PHH Mortgage.
Thank you, XXXX XXXX
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submitted a complete Borrowers Response Package on behalf of my clients on XXXX/XXXX/2016. The Borrowers were finishing a Forbearance period upon submission of the package for review of modification and other options. As of XXXX/XXXX/2016, the SPOC, XXXX XXXX at PHH Mortgage Servicing Center reviewed the file with me. She stated that she sees the documents were scanned to the Borrowers file. However, no action has been taken to open a review. I inquired about an Acknowledgement letter being sent to the Borrowers. She verified that one was on the file, but was never sent to the Borrowers. I requested escalation of the file. She stated she will email the Document Review Department. This file was submitted on XXXX/XXXX/2016. It is now 40 days from the submission of the Borrower Response package without being looked at.
|
| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
PHH Mortgage company has stopped accepting my monthly loan payment. In XXXX XXXX, PHH mitakenly claimed that I did not have home insurance on the property. I provided proof that I did have insurance. However, this mistake by PHH triggered problems with the mortgage, putting my payments in arrears. I continued to make my payments but these were always considered in arrears because of the escrow account set up by PHH. Six months ago PHH stopped accepting my monthly payments and now PHH has sent my loan to a law office to begin foreclosure proceedings.
All I want is a detailed review of my loan to determine why PHH took out lender 's insurance on the property given that I also had insurance. Also, PHH has created an escrow for property taxes, even though I have never been late with property tax payments to the City.
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| 02/19/2018 |
Yes |
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Web |
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I refinanced the Mortgage that I had with PHH Mortgage back on XX/XX/2015 almost 3 years ago. They never provided me with a lien release & stated that they mailed it to the county along with a check for the county to record the reconveyance. I simply asked for a copy of the recon and they said they lost it when they shut down the office that was preparing the documents 3 years ago. They said it can take up to 30 days to produce a duplicate. They want me to make my payments on time but yet I have to wait 30 days for a document that should have been sent 3 years ago. I find this totally unacceptable. I also asked for proof that the county cashed the payment. XXXX said she can not get me that information. I feel that they are purposefully not being honest with me. I started this process 4 business days ago & nothing.
|
| 05/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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My original loan was being serviced by XXXX when it then got transferred to PHH Mortgage Services ( www.mortgagequestions.com/ - NMLS ID # XXXX ). Before the loan was transferred, I completed a modification with XXXX. After the modification was completed by XXXX, XXXX charged me a {$99.00} 'Charge - Notice of Default Cancellation fee on my XX/XX/19 statement and the fee was listed with a date of XX/XX/19. I disputed the fee with XXXX but then the loan was transferred. PH Mortgage Services then charged me a {$99.00} 'Assessed Expense - RECORDING FEE Paid ' fee! They charged me on the statement with date XX/XX/19 and listed the charge with date of XX/XX/19. They also raised my principal, interest, and escrow payment portions from the agreed upon rate that was in the modification agreement I signed with XXXX.
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| 04/17/2018 |
Yes |
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|
Web |
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My mortgage was sold by PHH ( XXXX XXXX ) to XXXX in XX/XX/XXXX. Then in XX/XX/XXXX PHH filed a {$51000.00} promissory note against my house supposedly for a loan modification, which was never filed. They told XXXX I was behind 10 payments. I have proven there were only three payment behind when XXXX took over my mortgage. The Promissory Note is taken care of by HUD and I contacted HUD and they also reached out to PHH, who never responded. I am trying to sell my house and can not do that until this promissory note is removed from my mortgage for a company that no longer holds my mortgage. I am going on 6 months of not being able to sell my house, afford my mortgage, have my payments to my new loan company posted ( reaping the benefit of interest write off on my taxes ), and processing a pending divorce.
|
| 02/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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I no longer can get my tax information or access my loan information online with Coldwell Banker Mortgage Company. I reached out to get someone to help me from Coldwell Banker, and they were unwilling to do so! They told me they could mail the information to me, but I have never received a single document via mail from them?? The told me they could fax me my mortgage tax information, but I do not own a fax machine. I own a PC with a printer and they refused to email the information because of their security policy!
I have had a mortgage with this company for over 6 years, not 1 late payment! Yet they refuse to help someone who needs information to file their taxes! They changed all of their website information ... now you login in and you are directed into circles!
I 'm at a loss ... please help!!
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| 01/16/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
|
I have had this loan for several years ; originally from XXXX now PHH Mortgage. I have tried to prepay my loan as is allowed per my original loan and I have been denied. I receive salary payments every 2 weeks and established a direct deposit transaction every 2 weeks coinciding with my pay. I also pay additional funds towards the principal to again pay my loan down quicker. PHH refuses to apply my payment when they receive it rather wait until the payment is full to apply to the loan. I called them an asked them why they did n't apply it to my loan, they stated that their payment system does n't allow it I can select either paying twice a month or once a month or by phone/fax. Those are our options. As of XX/XX/2014 they have now quit applying the additional principal amount that I have been paying.
|
| 03/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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I am the personal representative of my father estate. I have been trying to get my home refinanced for several years now. However the mortgage provider will not allow me to do so because the mortgage is not in my name. They seem to not understand that i 'm trying to get it in my name. I have provided them the court order from the judge making me the only person to have access granted to the mortgage to make changes needed to help me lower my monthly payment. this has been an ongoing battle for years. i 've fallen behind in payments simply because i can not make ends meet. I have sent them copies of court ordered documents and death certificates back in XXXX i have yet to have had any luck with this company in helping me with my problem. i have a right to protect my fathers home that he left for me.
|
| 06/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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I received a XXXX from PHH Mortgage Corporate for a charged-off mortgage. The XXXX is inaccurate. Specifially, box # XXXX ( identifiable event code ) is incorrect. Box XXXX current lists " XXXX or Policy to Discontinue Collection '' as the event code. However, this loan was part of my bankruptcy that was filed in XX/XX/XXXX and the home was later foreclosed on. Accordingly, the code should be reported as " A-Bankrupcy. '' The reporting is incorrect and I was unable to correct this by speaking with the customer service represenative, the issue was not able to be resolved.
Further, there was a recovery of part of the debt due to the foreclosure sale in XX/XX/XXXX. Accordingly, the amount of chargeoff is less than the amount shown since much of the balance was recooperated with the foreclosure sale.
|
| 03/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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My mortgage was transferred from XXXX XXXX to PHH Mortgage effective XXXX XXXX 2016.
In the Notification of transfer I was instructed to make my next payment to PHH in the amount of {$1800.00} which I did. PHH applied the payment to principal XX/XX/XXXX. XX/XX/XXXX, I checked my account online to find my monthly payment due XXXX/XXXX/16 was {$1900.00}. I never received an invoice or bill explaining why I was instructed to pay the lesser amount and that I needed to cover the difference by XXXX/XXXX/16. I contacted PHH today XXXX/XXXX/16 they said I could pay the difference over the phone but I am away from home on business and do not have my routing number available to make the funds transfer. I am afraid by the time this gets settled my payment will be late and that will effect my credit score.
|
| 02/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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PHH Mortgage is giving me the runaround on dropping my PMI. They keep telling me I need to be at XXXX % of my purchase price instead of XXXX % of my appraisal value. I am literally {$870.00} dollars away from being at XXXX % of my original appraisal value. Every time I speak with someone and ask them if I make a {$900.00} payment today to drop my PMI all I get is the run around. I have spoken to many people in refinance business and on this site and everything they are telling me is untrue. I offered to make a {$900.00} payment immediately to drop but then I get put on hold for XXXX minutes each time and they literally repeat the same conversation we just had. I am currently waiting for a higher up supervisor to call me back because the lady I last spoke with was of no help from the XXXX.
|
| 01/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was mailed instructions on paying my mortgage off early. We decided to wire the money in an account that the mortgage company provided. Our bank follow the instructions and wired the money. Three days had pass and I check the balance on this loan. The money was n't posted to my account. So I call the mortgage company. Their call center is in the XXXX. They submitted a research on this wire and never call back. At first they say we enter the wrong account number on the wire. Our bank checked with XXXX XXXX they told us the wire was in the right account. They will not return the money, that PHH needs to pull the wire. This has been going on for over three weeks and the mortgage company will not talk to us or returns any phone calls. We keep getting the run around. Where did my money go?
|
| 05/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Our mortgage service company was changed from XXXX to PHH. All of a sudden, we received their statement wanting for us to pay more into an escrow account. This is a big surprise. We never agreed on an escrow account. We have been managing our taxes and insurance by ourself and none was late or anything. We have not received any communication from PHH about what happend and why we must pay more into this new escrow account.
We used to pay {$2400.00} per month ; now they want us to pay {$3400.00}. This is a big increase we are not prepared yet. We are surprised at this escrow. We will call them ( PHH ). in the meantime, we want to pay the $ XXXX/month. Is it OK? In other words, can PHH force an escrow account on us without our consent? Thanks for explaining to me why is this possible?
|
| 05/31/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
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In a permanent XXXX lien HAMP modification thru Making home Affordable program. Servicer ( PHH Mortgage ) is refused to offer a 2MP modification on the XXXX lien, even after I requested it be done, per Making Home Affordable Directives. Now XXXX lien note ( HELOC ) is in repayment period with a substantial increase at 2.7 times my previous monthly payments. PHH Mortgage services XXXX and XXXX liens and will not answer critical questions submitted in the Qualified Written Request. I have submitted a completed submission package as directed by the Relationship Manager, whereas ; I specifically indicated on all correspondence to PHH, the intent of all submissions are for 2MP implementation. PHH tells me XXXX XXXX owns my XXXX note, but I have proof that it does not own my XXXX note.
|
| 04/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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XXXX/XXXX/XXXX I ordered a copy of my XXXX credit reports. I saw that so many items regarding my XXXX Mortgage were incorrect and not updated for 6 years!!!. I sent what all the errors to be corrected were to my " Mortgage Servicer " and they told me to send my corrections to my loan " Owner '' My Servicer is PHH Mortgage Service Center and my loan Owner is XXXX. XXXX told me that all that should be taken care of by The Servicer ( PHH Mortgage ) ; I am being sent in circles.
Who is responsible for updating any information regarding my loan : PHH or XXXX??
Note : My Mortgage was granted a loan modification in XXXX of XXXX I can not get an answer and in the mean time my credit takes a hit because a lot is not in my favor but still incorrect. I see this as simple creditor neglect.
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| 02/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
We have been contacting phh mortgage for a assistance plan since XXXX or XXXX Everytime we send them what they ask for the assistance is denied. We 've received a letter with a supervisor name I called multiple times and I 've left maNY messages and no return call. Last week I called the number and now the msg says XXXX is no longer employed with phh. So I took down another extension for XXXX I believe. It 's going on 6 days and no call. We 're frustrated that they refuse to complete the assistance or give us a loan modification. Can someone pls help up? We want to keep our home. Just need a lower payment til XXXX gets XXXX. We 've given all the info to phh. We 've also had several loan managers and they dont return calls like the supervisors and reps.
XXXX XXXX & XXXX XXXX
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| 04/22/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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I bought home in XXXX XXXX 4 months the mortgage company send letter that my mortgage will increase from XXXX, .They increase payment on escrow account about {$52.00} and {$34.00} for shortage in escrow deposit account.Total {$86.00} more in monthly payment.During closing my attorney told me that mortgage can increase only when ptoperty tax went up.I have sent about 5-7 letters to mortgage company to resolve issue.I get back only one letter which nothing explain, If they wiil increase motgage every 6 month because of escrow account, my mortgage payment shortly rich point where i will not able to pay mortgage.Can you help.
I have question .Can I make payment myself to the insurance company and property tax directly to the city with skiping an escrow account..
XXXX XXXX
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| 05/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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My mortgage loan closed in XXXX XXXX . In XXXX , it was sold to PHH M ortg age d/b/a " XXXX ''. I received a letter indicating my monthly payment of {$1800.00} due on the first of each month. I set up auto-pay to pay on the XXXX of each prior month, over a week before the due dat e. PHH Mortgag e mis-processed my payments and began charging me late fees - {$80.00} in XXXX and {$73.00} in XXXX , despite having been current on my payments. The first time I called PHH, the rep said I had to pay the fees and then retroactively submit a petition for refund. The second time I called, a supervisor refunded the fees. I believe these fees are predatory and exhorbitant. Giving customers the run-around on fee refunds similarly takes advantage of consumers.
|
| 05/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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We have had a very difficult time with PHH to have our short sale reviewed. Our agent has submitted the short sale 3 times and after 30 days PHH has still not placed the short sale in review.
The first excuse was they had to review for a loan modification. PHH took 30 days and they approved us for a Owner occupied loan modification. They problem with that is we moved out 6 months ago, and the property is vacant. This was told to PHH 10 times but they did not seem to under stand. Approving a home owner for a un occupied property with no proof of income seem like mortgage fraud. And it continues.
Now after 30 days of removing the loan modification PHH can not give us an answer to why they simply can not move the file to the short sale department and being the process.
|
| 03/15/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
The PHH mortgage company always does deceptive things that go against the CFPB rules and regulations. They lie to buyers trying to refi and/or get a mortgage that doctors notes are required when they say they are on XXXX, they deny loans to women when they find out that they are on maternity leave from their job, they lead borrowers to use their title company ( which they own XXXX % of the title company ) without telling borrowers that they get a kickback on people using the title company, they have loan processors giving borrowers rates when the processor are not licensed to do so and they have non XXXX speaking non licensed customer service reps who mess up the escrows on accounts so that after the first year when the escrow is messed up they foreclose on your home.
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am one of many XXXX customers who had their mortgages transferred to PHH Corporation in XXXX of XXXX. I was under a trial modification with XXXX, had mad all trial monthly payments on time without failure. I was waiting the final documents when PHH took over. I mailed a payment on XX/XX/2019 to PHH, only to have them mail the check back to me. Accompanying document stated that the payment ( a certified bank check ) was insufficient. Yet, all other PHH notices indicate no payment is due until XX/XX/2019?
I sat on hold today for over an hournever reached my relationship manager, XXXX XXXX ( ext. XXXX ). I tried sending an email, but their auto response states Ill hear back from them in 5-7 days.
I just want to speak to a human, one preferably located in the USA.
|
| 05/16/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).
|
| 05/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX transferred my mortgage to PHH. I attempted to set up a web account with PHH several times - each time they stated that our loans weren't transferred in yet I should wait. On the last day that my mortgage was due for XXXX I was forced to make a payment by phone and was charged {$7.00}. I was told that I wouldn't be charged. I spent hours and hours on the phone with them and they will not credit my {$7.00} back. They took my XXXX payment by phone and say that is compensation but it is not compensation - by then I could have made the XXXX payment by phone.
They are extremely difficult to deal with and do not even speak XXXX well enough to understand what I am saying. They will not credit my {$7.00} back.
Now they deleted my loan from their system. XXXX
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I mailed a check to PHH mortgage XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/19 for {$4600.00} to pay off my loan # XXXX. They posted a payment on XX/XX/19 to a suspense account. I have no idea why. They sent me a letter on XXXX saying my money was put in suspense account because it wasn't enough to cover my monthy payment of {$730.00}. Today I received a letter saying my balance was {$4300.00} and I am 2 months behind on my payment. Not sure what kind of a scam they are pulling. I have tried to call them several times - never got through to speak to anyone - gave up after an hour on hold several times. I have faxed them I have sent them a letter to two different address '. Can not get any kind of a response other than a letter saying I am past due HELP PLEASE!!
|
| 05/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Our property was burned to the ground in the XXXX XXXX XXXX, CA wildfires. As a result of this loss, we received a settlement from our insurance company. We sent this to PHH Mortgage Services ( our mortgage company three weeks ago ) and have yet to receive a settlement. The check sent was close to three times the amount of what was due on the loan. According to PHH they paid the loan and the remaining balance would be distributed to us in 15 business days. This time has come and gone. First of all we have not received our payment which is distressing. Second of all, this amount vastly exceeds the loan amount so I question why the lender is allowed to hold on to the funds in their account for 3+ weeks and collect interest. Something is wrong with this.
|
| 10/02/2017 |
Yes |
|
|
|
Web |
|
|
My name is XXXX XXXX XXXX. I recently closed on a house XXXX XXXX/XXXX/XXXX XXXX, but I feel as if the lender took advantage of the fact that we were living in a hotel, and desperately needed to close on that date. I was originally going to use XXXX. However, PHH Mortgage seemed to have given me a better deal. However, the closing cost increased by $ XXXX on the day of closing. They took the money that I would have been reimbursed by my relocation package and applied it to that difference. I had to pay more money at closing, I had no choice but to close at that time, because we were literally homeless. I have additional information if needed.
I would like for PHH Mortgage to reimburse the XXXX that I lost because of an " error '' on their part.
|
| 06/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/2019, a wire check in the amount of {$120000.00} was sent to PHH Mortgage from XXXX XXXX to close out my loan with them.
On XX/XX/2019. PHH Mortgage withdrew {$1000.00} from my checking account to cover a payment that should not have been made as the loan had been paid in full.
I contacted PHH and XXXX XXXX on that day to voice my concern. XXXX XXXX from XXXX XXXX has been working with a person named XXXX from PHH to resolve the issue.
PHH claims that they never received the wire transfer and has yet to resolve the issue.
It has now been 5 business days and I have not been reimbursed my {$1000.00}.
You can reach XXXX XXXX from XXXX XXXX at XXXX XXXX at PHH XXXX Myself XXXX XXXX XXXX.or XXXX My Account number at PHH is XXXX
|
| 05/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I prepaid on my mortgage account ( my payment was sent on XXXX XXXX, 2016 ) to be used toward my XXXX XXXX, 2016 payment. PHH mortgage used that money toward my principal, and then proceeded to send me a late statement stating that I had n't paid my mortgage for XXXX XXXX, 2016. When I complained they " refused '' my claim, and my principal has been docked, along with my credit being affected. When I contacted PHH Mortgage, they stated that they could n't fix the principal amount because they sold my loan. I want PHH Mortgage to be held responsible for the amount that my principal was " docked '' because I had a " late payment. '' I spoke with XXXX XXXX at PHH, who told me that he could n't help me, nor could he forward my complaint to anyone.
|
| 05/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I recently was notified that my morthage servicing was reassigned by XXXX XXXX XXXX to PHH Mortgage. On XX/XX/2018, I called to inquire into the reassignment and learn about payment options. The representstive stated that the only way to avoid payment related fees was to either mail a check or sign up for paperless billing/statements. XXXX XXXX XXXX did not have any hidden fees. PHH Mortgage is charging an additional {$17.00} for payments over the phone ; {$10.00} for utilizing the telephonic automated system or {$7.00} for paying online. This is absolutely ridiculous. XXXX XXXX XXXX did not charge these hidden/additional fees. PHH Mortgage is basically getting a windfall in these fees from consumers that merely want to pay their mortgage.
|
| 01/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I 'm the XXXX XXXX on a property in CA that will be a short sale. There have been several offers. XXXX were approved in the past, but XXXX buyers walked-away because it took too long to get the approval. We received another offer with the exact terms as the previously approved offer in XXXX XXXX and submitted to PHH immediately. PHH has repeatedly asked for documents to be sent and resent to them multiple times which we always did within hours of their request. The borrower has just received a NOTICE OF TRUSTEE SALE which is scheduled for XXXX XXXX, XXXX while the Short Sale is still in process. We can not reach anyone at PHH. The contacts we have at PHH are not returning telephone calls or e-mails. In the past, they have always responded.
|
| 06/25/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage servicer changed from XXXX XXXX to PHH Mortgage Services Received a letter stating my property was going into foreclosure. I've made my mortgage payments on time and since the servicing changed to PHH the customer service is bad and I've had difficulty with the posting my mortgage payments to the mortgage account. I called PHH mortgage to make a mortgage payment and was told the system was down and to wait until the loan was in their system of which I called several times and they finally took my payment over the phone. I have not been late paying my mortgage. When I call PHH I speak with Customer Service to check the status of my mortgage they would tell me the computer is down or they don't have information on the mortgage.
|
| 06/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Plan o f Reorganization ( the " Agreement '' ) was approved by United States Bankruptcy Court e ffecti vely XX/XX/XXXX . I am now on my XXXX servicer effective XX/XX/XXXX . The first XXXX servicers, PHH and XXXX , respectively refused to acknowledge or abide by the Agreement as set forth. The have returned payments, refused payments, sent inaccurate year end reporting and escrow accounts in spite of persistent emails, phone calls and direct mail correspondence outlining specifically the agreement. XXXX I have been unable to sell the property because they have refused to give me a payoff amount. XXXX I cant afford my Bankruptcy attorney to pursue this. I have included a lot of correspondence that will back up my claim
|
| 01/20/2017 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
Description of issue : We were clear to close on the buyers side since XX/XX/2016. The loan office and the seller have been going back and forth for XXXX weeks since then trying to get all the well documentation in order. We have been impacted by this financially in having XXXX addition weeks of temporary housing cost and we lost our rate lock as of XX/XX/ They refused to extend the rate lock and now the new rate is an increase of approximately {$92.00} a month. The delay due to poor communication on the lender side and seller has cost me significantly and I would like to know what rights I have in this. They had all closing documentation XXXX hours prior to our rate lock expiration but could not make closing by the deadline.
|
| 01/19/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is a complaint against PHH Mortgage for holding money in escrow that was deemed to be used for repair of hail damage to our residence that occurred on XXXX XXXX, 2016. PHH Mortgage is currently holding over {$12000.00} that was sent to us from our insurance company since XXXX 2016 and even though we have contacted them on numerous occasions they still will not release the funds. There excuse is that they needed documentation in order to reconcile the amount that has been paid by the insurance company with the amount that that was estimated by our general contractor. Documentation from both the general contractor and insurance company has been sent to them on more than one occasion and they are still " dragging their feet ''.
|
| 03/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
PHH has no reasonable way for us to get them an authorization letter. They said they require it to be an original, mailed to them at a special address. This was done XX/XX/19. PHH is denying ever receiving anything and is refusing to speak to us when we call in. Oddly enough, they will speak to us on their outbound calls. They will not acknowledge a faxed copy of the authorization. It is clear that PHH is purposely attempting to block the executor from attempting to resolve the estate issues of the XXXX borrower. Even the parent company is having these same issues with PHH, and their frustration level is evident.
It is an Industry Standard to be able to fax or even email documents to a lender. PHH 's policy is unacceptable.
|
| 02/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Effective XXXX, my loan was transferred from XXXX to PHH Mortgage Services. As of XX/XX/XXXX, I received a letter on XX/XX/XXXX dated XX/XX/XXXX/19 from PHH that my loan was transferred and how I could pay. Mail should not take 2 weeks so they must have backdated the letter.
My complaint is that I have received no actual statement from PHH and payment is due in 3 days.
I attempted to call customer service ( XXXX ) XXXX multiple times and got a busy signal.
I will send payment in mail tomorrow even though I have no payment stub. I will not do mortgage business online if offered ; and I expect statements to be mailed in time according to laws and common practices, which historically has been at least 10 days prior to due date.
|
| 12/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home.
AS you can see PHH mortgage does not have a good record.
https : XXXX They refuse to honestly review my situation for a modification. I just want PHH to review my hardship application, stop making demands for the same information over and over, and give me a final answer once and for all.
|
| 06/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had a loan with PHH Mortgage. They mailed me the XXXX statement and I paid on XXXX, which is today and the due date. But I suddenly got an mail this afternoon from XXXXXXXX XXXX stating my loan was transferred to XXXX with the same due date of XXXX. Both PHH and XXXX didn't give me any notice until today 's mail from XXXX. I logged into my PHH mortgage online account and can not find any information about the loan transfer and the only information I got from my PHH online account was my XXXX balance was still due on XX/XX/2018. I really got confused with which loaner I should pay in such situation as I didn't get the notice from either of them in time. I was shocked by their bad communications with clients.
|
| 04/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I submitted a mortgage assistance application to XXXX, at teh suggestion of XXXX on or near XX/XX/2019.
I completed all items need for a modification on or near XX/XX/2019.
I objected to the loan transfer to PHH Mortgage on XX/XX/2019 until XXXX had processed my loan modification request.
I made multiple inquiries to XXXX to validate that the mortgage assistance application was complete between XX/XX/XXXX-XX/XX/2019. XXXX didn't process the request by law and neither did it transfer the request to PHH.
I got a letter from PHH on XX/XX/2019 indicating " Early Intervention '' when I had already submitted a application for relief.
I need XXXX to act on my request as provided and that it was complete.
|
| 01/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PHH Mortgage charged us via escrow account a monthly amount for unneeded forced place insurance. Upon review of the documents provided by the previous lender, it clearly shows that notification for insurance declaration pages did not arrive to us and instead were returned undeliverable to the lender. Had we known that those pages were required we would have sent them immediately. We have now provided PHH documents that prove that we did indeed have our own insurance during the period in question, but they still refuse to refund us our money. I am requesting to escalate this right away as this misunderstanding was not our fault but PHH fault for not reviewing documents when they bought this loan from XXXX.
|
| 07/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I am a first home buyer. I brought the house 2006. The mortgage lender falsely stated I made a higher income in order to qualify me for XXXX mortgages with rate 6 %. I could not keep the payment close to XXXX because I had XXXX. I asked them for a loan modification. I mailed my loan modification package to PHH mortgage. I called my case manager, she said she did n't received it. Instead my house is on foreclosure. As a first buyer, the Real Estate Agent should explain to me the risk to accept the XXXX mortgages plus the other bills to pay. I maintained my payment for 8 years each month never late. Before buying a house people should know about property taxes, home insurance, oil tank where is located etc.
|
| 11/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
My house flooded during the recent flood in La. I have flood insurance, and a check was written to cover damages. However, it is made out to me and the mortgage company. All of the damage to my house is cosmetic, sheetrock, paint, and flooring. I have XXXX. Despite these facts, my mortgage company will not let me self repair, they say I must use a contractor. Contractors are backed up for months with work, and prices are double and triple what they would be under normal circumstances. I have asked the mortgage company to release part of the money so I can obtain materials and do these repairs myself. They refuse. I desperately need this money so I can repair my home, and need them to allow self repairs.
|
| 06/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This loan was incorrectly reported as past due in XXXX 2014. Attached are my PHH Mortgage account statements dated XXXX/XXXX/2014 and XXXX/XXXX/2014. The XXXX/XXXX/14 statement shows that the account had been brought current prior to that date, including all payments, late charges and any other fees, with nothing owed until XXXX/XXXX/2014. The XXXX/XXXX/2014 statement shows that the XXXX 2014 payment had already been paid and that on XXXX, no payment was due until XXXX/XXXX/2014. Yet this account still appears as past due 120 days on XXXX/XXXX/2014 on my credit report. Based on the attached information, please correct my credit report to reflect my true credit history. I look forward to your response.
|
| 05/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We have ( had ) a mortgage with XXXX acct. # XXXX which we were behind on applying for a modification which was denied. We were told that if we made XXXX payments by XXXX2016 that we could take XXXX & XXXX to catch up. We made XXXX payments in XXXX. In the mean time the loan was sold to PHH Mortgage. They have sent us many letters warning of foreclosure. Also statements not showing our payments to XXXX. Now they are refusing to accept a payment they received XXXX2016. Also a letter saying the are expediting foreclosure on our home. I am attaching cashed checks to XXXX and also our check to PHH Mortgage Acct. # XXXX which they say they are not accepting. I am sending the statements that are in error.
|
| 05/09/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XXXX HI guys.
You did not answer my problem.The my mortgage monthly payment was counted for XXXX XXXX city Grand List on XX/XX/.This value on Grand List can not be change and is obligatory for one year.The Grand List assessment XXXX take effect on XXXX XXXX to the next XXXX in XXXX.While XXXX to XXXX XXXX the value of this assessment is mandatory.I bought my home on XXXX XXXX when I was under assessment from XXXX XX/XX/XXXX to XXXX XXXX.The assessment value of property tax was {$4900.00} this means that semiannual property tax to the city should be {$2400.00} to the XXXX XX/XX/XXXX, but you change it in the XX/XX/XXXX to {$2700.00} semiannual payment for property tax..Why?
Sincerely XXXX XXXX
|
| 12/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had a mortgage with PHH mortgage for a little over a year. Yesterday ( XXXX XXXX ) I received a call from the PHH stating that I had not paid my XXXX payment. As a result I had late fees and potential reporting against my credit bureau record. I insisted that I had paid my XXXX payment in XXXX and asked them to please verify. They did find my payment was received on XXXX XXXX ( 12 days before it was due ) and that it has been misapplied. I have spoken with their customer service and with their collection department and neither has taken the late fee off my account or removed the " overdue '' status from my account. PHH mortgage is not taking the appropriate steps to resolve this situation.
|
| 06/13/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I mailed Mortgage payment On Thursday XX/XX/XXXX and Used the United States certified express mail with a signed return receipt. I still do not see my payment posted to my account. The I called PHH because XXXX switched their name and it's the same horrible service, I am sitting on hold for 30 Minutes to be told by Operator number XXXX who has no first name that PHH will be doing a trace to see who cashed my payments. Then after this wait I was told that the escalation team will return my call. I asked the young lady again for her first name and she replied it " XXXX ''. Not sure if that's accurate but look at my first payment. This is crazy. I don't see anything on my account.
|
| 12/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage was being handled by PHH. It has since been transferred to new processor and the new processor is working with us to correct the problems caused by PHH.
Two issues : 1. They paid an insurance bill they should not have and then did an analysis of our escrow account and adjusted our escrow balance due based on this analysis. The insurance was paid for one year at the time of closing. This was documented. For some reason they paid another insurance bill. We have no idea where it came from.
2. They were sending all communications to our old address. This was never authorized. All closing documents indicated the new property address as the address for all correspondence.
|
| 11/07/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Applied for HARP through current mortgage company : PHH mortgage. Submitted all paperwork and an appraisal was completed by 3rd party suggested by mortgage company. The loan processor told us the underwriter said the pool has to be filled in because that 's what the appraisal indicated. However the appraisal did not say that. It actually stated the condition of the pool did not affect market value of the home. Prior to the appraisal being completed I disclosed the condition of the pool to the mortgage company when they asked if any part of the home was under construction. Anyhow, they are threatening to decline the loan because of the pool and/or not approving the appraisal.
|
| 11/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was several years ahead on my mortgage when I ran into problems XX/XX/XXXX. PHH said they would work with me and said if I made three payments of {$490.00} they would refinance with me at the end of the trial period. At the end of the trial period I signed the documents and sent them back. They refused to accept the agreement. This year I have been making payments still at {$490.00} per month and PHH refuses to talk to me, is slow crediting checks, hanging on to them up to 3 weeks before depositing, and refuses to give me a payoff amount, constantly sending me foreclosure notices despite the fact that I am still approximately 3 years ahead of my maturation date.
|
| 06/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Greetings, I am in desperate need for help. I have been attempting to do a short sale since XXXX 2015, it would be a complete payoff for PHH Mortgage if theyd postpone the foreclosure ; it is ridiculous that theyd forego a full payoff to pursue foreclosure. I am trying my absolutely hardest to get the mortgage company to postpone the foreclosure. The mortgage company, to me, arent doing what the government says the lenders should do to provide foreclosure alternatives to homeowners. I have submitted paper work every time they ask in a timely manner multiple times over. Please help me with getting the mortgage company to postpone the foreclosure. Best regards,
|
| 11/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I wish I had know about the CFP years ago, but I could use your help now. I was foreclosed on by PHH but filed a countersuit against them. All of that is over now but PHH refuses to send me monthly statements. I 've called them and sent notes with my payments. The second call about a month ago they told me, they would send statements. I am not 100 % sure what the payments are and fear getting in trouble with them again. My house will be paid off in a couple of years but meanwhile, lots needs to be fixed, etc and I ca n't get a loan. I 'll look some more at the website but if you could get them to send me monthly statements, I would really appreciate the help.
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I fell behind on my mortgage so I hired an attorney to assist me in applying for assistance. My attorney provided PHH/XXXX with everything they needed on XX/XX/19. Complete loss mitigation application and financials. My attorney has been calling now since that date and the phone originally would not pick up. It said they have technical difficulties. I have a notice default and my home is scheduled for foreclosure soon. My attorney says there is RESPA Law Regulation X that requires a servicer to respond and review my request within 30 days. It has now been over two months and no response. They are in violation of RESPA law and this is not fair and illegal.
|
| 07/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I refinanced my mortgage with the original loan company that provided me my first time home owner loan. I was very comfortable with Envoy and their services. My refinanced loan was immediately flipped and now managed by PHH mortgage. I reduced my mortgage in my refinancing by a few hundred dollars. Now, under PHH mortgage they are charging me a " fee '' $ XXXX+ to pay my mortgage online?? I find this absolutely ridiculous in the day and age of online payment and really feel like they are taking advantage of folks. I do n't want to be even dealing with this company, received no notice of any of this occurring and really feel powerless and concerned.
|
| 05/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was having some financial issues in XXXX, so I went to my mortgage company, PHH Mortgage Services, and applied for a loan modification. I was granted the modification and the payments were to be added on to the end of my mortgage. I caught back up in XXXX of XXXX but they reported the months that my payments were under the modification as late. I was told that this would not happen and it is essentially why I applied for the modification to begin with. I have written to the bureaus and to the company requesting that my credit report be corrected, but the bureaus just say it was verified and PHH Mortgage Services has not responded.
|
| 02/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I entered into a 4 month trial mortgage modification in XXXX 2015. At that time I paid a reduce of amount of mortgage until the end of the trial. At the end of the trial I was offered a 40 year mortgage, which I refused. I was told at the time of the modification if I did not choose to permanently modify, my mortgage payment would go back to the original amount. However, I found out a month later that I was charged the difference, which meant I was a month behind in a mortgage payment. I WAS NEVER LATE. Now, I am paying a higher mortgage to make up the difference and they are reporting me late to the credit bureau. It is not FAIR!
|
| 12/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company changes my monthly payment without telling me! Although the principal and interest on my account does not change, the company also withholds escrow to pay insurance and property tax -- but they NEVER give me any warning when these amounts change. As a result, my loan amount ( which I pay by automatic deduction ) often goes into arrears. I then have to call the company -- but their customer service people always XXXX up getting the problem fixed. So I usually have to call them XXXX or 4 times to resolve the problem. And then several months later, the problem always returns. This has been going on for years now.
|
| 06/01/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
Servicemember |
|
My name is XXXX XXXX XXXX, and I mother originally start buying a house in XX/XX/XXXX, with XXXX XXXX, but around XX/XX/XXXX, P.H.H. Mortgage Scam Artists got on my mom credit reports and so we thought it was legal until, they had XXXX XXXX from XXXX, XXXX sent us a phony Summons, than it led to another Lawyer Scam Agency, after we went through the XXXX Attorney General. We still are living in my sister 's house because the " Privacy Act Laws, " were not there. The state of XXXX received {$45.00} XXXX Dollars, and yet my mother and I have received anything about saying we can get back into our home or a Refund .... Thanks.
|
| 11/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am so very frustrated with PHH Mortgage. My loan has been there since XX/XX/2015. I travel and need to ensure that my payment is made so I typically make my payment online and am charged a {$7.00} fee for making a payment. When I inquired about the fee I was told that if I went paperless it would be waived. This is not right as I want the hard copy and have been in the mortgage business for 30 years. I just made a payment over the phone and was again charge another {$7.00} fee. Please someone stop them. The last time I called they put me on hold and left me. This mortgage company is terrible and if I could I would get out
|
| 03/02/2018 |
Yes |
|
|
|
Web |
|
|
In XX/XX/XXXX I filed for chapter XXXX bankruptcy and I continued to pay for the mortgage after the debts were dismissed. I never reaffirmed the debts. I stayed in this home till XX/XX/XXXX and lost my job so I could not afford my home. The home was worth less than I owed so a short sale was done.
Currently I am trying to get a new loan in order to purchase a new home. The under writers are telling me that this short sale is showing up in the fha underwriting system even though it was covered under my chapter XXXX bankruptcy.
I can not be approved for a loan because this is showing up as a short sale of less than 3 years
|
| 05/19/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage loan was with XXXX. I fell behind and do an application for a repayment plan. XXXX of this year 2019 XXXX sold to PHH mortage. I finished The three month trial payments. I called Phh regarding the end of my trial. I was advised to wait for documents to sign and notarize XXXX I called them two weeks later telling them I have not received anything I was advised to continue to wait. I called for the past two months and no one has gotten back to me Regarding my next payment.
Now its XXXX 19 and my credit report states I am 120 days behind and I am unable to contact my account manager his email is also incorrect.
|
| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Our household came under financial duress from a business failure temporarily keeping us from making mortgage payments with PHH Mortgage. We re-established income, completed the offered forbearance plan, and immediately applied for loan modification in order to get a reasonable payment. Since XXXX, PHH has intentionally blocked our application for ( 9 months ) through repeated use of bogus rejection reasons. They have now issued a Notice of Default through a lawyer, in an attempt to force us into selling our home.
Research shows our case is not isolated. We need relief to prevent PHH from forcing us out of our home.
|
| 03/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I inquired with PHH mortgage services regarding loan refinancing. After talking to them I declined the loan. They sent a packet of all my financial and personal information to another customer of theirs. When this customer realized he received all my information he notified PHH. He stated he spoke with several people at PHH. They all instructed him to ignore this and shred the documents if possible. I was made aware of this by the customer. PHH mortgage corporation never notified me of this breach of my security and still has not. The only reason I know of this is because of the customer who felt he should tell me.
|
| 01/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am behind on mortgage payments to PHH Mortgage. I am in the process of refinancing and requested that the company accept 2 months payments to avoid foreclosure. I have spoken with several agents via phone who refused to process anything less than 3 months worth of payments. In fact, they threatened to return such payments if they were sent. I have sent 2 months of payment ( XXXX x {$1400.00} = {$2800.00} ) in USPS money orders with the following serial numbers : XXXX and XXXX - for XXXX 2015 XXXX and XXXX - for XXXX 2015 These were sent via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
|
| 10/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I made a principal reduction payment in the amount of {$200000.00} to my mortgage being serviced by PHH. An initial letter received from PHH indicated that my new monthly payment would adjust to the lower amount with the XX/XX/XXXX payment. However, on a bout XX/XX/XXXX a representative from PHH stated orally by telephone that my monthly payment would be adjusted to the lower amount for XX/XX/XXXX if my principal reduction payment was received before XX/XX/XXXX. It is outrageous that PHH is allowed to hold my funds for 75 days before affecting my monthly payments and overcharging related interest.
|
| 09/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
CLIENT CAME INTO THE OFFICE TODAY FOR DEFAULT COUNSELING. RFD- CLIENT WAS GIVEN A LOAN MODIFCATION IN XXXX 2014 PITI OF $ XXXXXXXXAND TAXES & INS OF {$710.00} FOR A MONTHLY PAYMENT OF {$1300.00}. CLIENT BEGAN MAKING PAYMENTS AND AFTER AN ECROW ANALYSIS HIS MONTHLY PAYMENT WAS INCREASED TO {$1600.00}, WHICH HE CAN NOT AFFORD.
CLIENT ATTEMPTED TO CONTINUE TO MAKE THE {$1300.00} AND HIS PAYMENTS HAVE SINCE BEEN REFUSED. I CALLED PHH AND SPOKE TO A REPRESENTATIVE NAMED XXXX SHE ADVISED THAT CLIENT IS DUE FOR XXXXPAYMENTS. THE LOAN MOD AGREEMENT IN 2014 ONLY SHOWS THE PITI OF {$590.00} NOT THE TAXES AND INSURANCE.
|
| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My mortgage was sold by XXXX on XX/XX/19 to a company called PHH. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. PHH has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. PHH is on the same track. This place is horrible.
I can prove my on time payments through my bank account.
|
| 06/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My loan has been delinquent for years I explained to the mortgage company my hardship which was my home was severely damaged during the XXXX storm and was not able to reside in my home and for two years no one lived there while I finished all repairs and started the renovation process since then I finished quit a few packets for loan modification and have provided every paperwork that they requested. I have proven to afford my home and have passed state and county home inspections to occupy my home, I would like assistance in my loan because I can afford my home and I want to keep it.
|
| 04/24/2017 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
PHH Mort gage was included in my Chapter XXXX Bankruptcy which was discharged XX/XX/XXXX .. In XXXX XXXX that mortgage company decided to do a NEW update of the DLA date and put a new charge off update. BY LAW THEY ARE NOT TO CONTINUE TO DAMAGE CREDIT AFTER A DISCHARGED B ANKRUPTCY ... Why after 6 years would they randomly do an update? But it has caused me to lose my financing and earnest money on a property which I WILL hire an attorney to go after them if they do not fix this issue!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is ridiculous and against the law
|
| 09/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Mortgage company XXXX/PHH mortgage reported a late payment XXXX 2017. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it.
After filing an investigation via XXXX, PHH Mortgage denied it, claiming it was late. I have evidence to the contrary.
Also, XXXX has zero credibility anymore and should be dissolved
|
| 03/28/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.
|
| 02/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had problems with PHH Mortgage crediting my payments since they took over my mortgage loan. I have called to sort out the issues on several occasions to no avail. They are currently harassing me for non-payment when I am actually at least 1 month AHEAD in my payments not to mention I pay a little extra to equity each and every month. They are charging undue fees and marring my credit because of their poor bookkeeping. I need a full accounting of my account, any and all fees/charges refunded immediately to my account and my credit restored to any and all reporting agencies.
|
| 07/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Loan modification that has been a nightmare with PHH Mortgage Service Center. They have made me jump through so many hoops and I finally recieved my trial modification and passes the XXXX months test. They issued an incorrect packet and while following their directions to correct different requirements they closed my file and have stated I need to start all over. They misinformed me on the process and information that was needed to correct the packet. When all their many different and changing requirements were met, they threw my packet out. They are not acting ethically at all.
|
| 03/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage was sold to PHH mortgage services. We wanted to reduce our monthly payment by removing our home owners insurance from escrow. I fought with them for months because they said it was not possible. After multiple calls and several mail correspondence, they finally took my insurance off the escrow. But then my payment went up nearly {$100.00} a month. They claim it's because my property taxes went up. I checked with the city and they said they may go up {$44.00}, not hundreds of dollars. Everything is a struggle with them. And I'm pretty sure they are ripping me off.
|
| 05/08/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Spent 1/2 hour on the line with PHH Mortgage and my new lender XXXX XXXX XXXX and after EXHAUSTIVE verification that it was me, they STILL refused to share required information. They demanded the request be made IN WRITING and require 7-10 business days to authorize the communication with the new lender. Spoke to XXXX employee ID XXXX and then to supervisor XXXX employee ID XXXX who stated loans for properties in Iowa, North Carolina, Vermont, or Texas, Home Equity Lines of Credit or HUD loans needed to submit requests in writing. My loan fall under NONE of these categories.
|
| 05/21/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I currently have a conventional loan with PHH mortgage. I reached out to them to get a refi and cash out a little equity in my home. They steered me to get a FHA rather than another conventional loan. They stated that I did not qualify for the any other loan other than an FHA and after having a family friend who is a loan processor look at the information, that just was not the case. I was told that they could have offered me another product and they failed to do that. I wish to file a formal complaint as I believe this is exactly what got us into the house crisis in 2008.
|
| 05/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PHH Mortgage Services has failed to apply my principle only payment of {$5000.00} made on XX/XX/XXXX. This money is being held in what they call a suspense account. The check was mailed to their address for principal payment and included a cover letter with specific instructions to apply to " principal only '' and the check also indicated this.
This situation also occurred in XXXX with a {$4000.00} principal only payment.
This company has demonstrated a pattern of deliberate misapplication of funds to have use of my money during the period taken to correct the problem.
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| 03/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I got my home in XXXX with a 30 year mortgage from PHH. I never missed a payment. Then my XXXX year old had a XXXX XXXX outside of the country and no insurance to cover. I had to use every penny I had for XXXX and XXXX. I fell bacj on one payment and called PHH to ask what can I do? They told me to do a loan modification. I was happy then but come to find out they added 22 years on the life of he loan. Thus instead of maturing in XXXX its XXXX.
Then in XX/XX/XXXX I received a letter stating that my mortgage has been transfered over to XXXX without my consent.
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| 06/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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PHH Mortgage bought our loan from XXXX. They failed to apply the funds from our original escrow account to our homeowners insurance company. They claimed that they sent us a disbursement check twice, but we have not seen this. They are now claiming that we owe them more in our mortgage because they are charging us for XXXX escrow accounts, since they are claiming that they sent us the disbursement check and they paid our insurance company. They have not sent the disbursement check and it has been more than the 30 days required for them to resolve issues.
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| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Due to accounting errors with PHH Mortgage, my account was erroneously placed into foreclosure I have obtained an attorney and have made numerous, concerted efforts to work out the issues through mediation and have provided both a deposition and a loan modification request.
The loan modification was mailed - with delivery confirmation - on on XXXX/XXXX/16 and contained all requested information.
There was no response to the loan modification request. On XXXX/XXXX/16, I received a " Notice of Sale '' for my property, with a sale date of XXXX XXXX, 2016.
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| 02/23/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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PHH mortgage service has failed to update its records of my account being past due in XX/XX/XXXX and XX/XX/2012 despite my providing documentation of error and request to then and XXXX to correct. In late XX/XX/2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XX/XX/XXXX and on XX/XX/XXXX we made a combined XX/XX/XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved
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| 12/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My current home loan is at 74.4 % LTV, I have requested that PHH Mortgage drop the PMI on my loan. This should have been done automatically when I hit 78 % or below. They are refusing to drop the PMI because I had one delinquent payment in the past year 5 months ago. The loan is current and has been current since. Requirements state that they have to drop PMI automatically once the loan is below 78 % and is current. PHH is refusing to comply with this requirement. I have requested this by phone and in writing, and they refuse to comply with my request.
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| 09/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/2016, I accidentally paid my mortgage twice in the amount of {$1900.00}. I reversed one of the payments because I can not afford to pay my mortgage payment twice in a single month. They assessed a non-sufficient fund fee of approximately {$50.00} even though the payment was not late and I've been fighting with them ever since to have this fee reversed. I've called and emailed them multiple times and none of them seem to understand the issue or how to resolve it. They've told me multiple times that someone would call me back but they never do.
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| 03/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I received a XXXX INT for my Escrow interest for {$64.00}, I have neverreceived XXXX before so I called customer service and was told it wasbecause my interest was always below {$10.00} so they do n't send them, my escrow is the same dollar amount it has always been, which by XXXX is around {$3200.00}.
Not sure how that can give me {$64.00} in interest, I have called and wastold someone would contact me in 7-10 days, XXXX and never heardfrom anyone, I have emailed several times and told someone wouldcontact me within 24 hours and never hear anything.
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| 03/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am trying to make bimonthly payments a month on my mortgage to lower my interest payments but PHH Mortgage refuses to apply that payment during the month and holds it until my regularly scheduled payment. This is causing my interest payments to be higher and making me pay extra towards my mortgage when I really should n't have to.
I have tried contacting the company before but their monthly statement unfairly states that " any partial payments that you make are not allowed to your mortgage, but instead are held in a separate suspense account ''.
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| 04/21/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
Servicemember |
|
The lender we used to close on our home mislead us in the closing process. They continuously gave us the runaround and the final numbers on the closing disclosure were significantly different from what the lender told us in the beginning. The lender overlooked several items causing multiple delays in the closing process. We did not see the final closing disclosure until we walked into the title company. I would not recommend Coldwell Banker Mortgage to any of my friends and family. This was the most stressful financial transaction I have ever made.
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| 08/05/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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Our credit was pulled without our authorization. He then pulled someone elses credit thinking it was ours and began to tell us EVERYTHING on their credit. He tried to not give me a copy of my credit report and he tried to lie to us and tell us that we had to use him as a lender. His actions could very well keep us from getting our home. THEN he talked poorly about another lender in town that we decided to use after all of this. Absolutely no class, extremely disrespectful, and completely incompetent. If this causes us to loose our home I will sue.
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| 05/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I received a loan modification 3 years ago and have made my payments on-time for the past 3 years. During that time my lender PHH has not given me credit for making those payments. As a result their " system '' shows that I have not paid my escrow for taxes. I have paid my escrow and I have informed them of such thru numerous email, letters and telephone calls over the past 5 months. Regardless of my efforts they continue to double the amount of escrow they collect. this is causing me a hardship and they are " stealing '' the extra escrow monies.
|
| 06/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My mortgage company, XXXX XXXX XXXX, purchased PHH MORTGAGE. They transferred my mortgage to PHH MORTGAGE which is now a subsidiary of XXXX. PHH MORTGAGE is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision.
I want PHH MORTGAGE to remove the false report stating my loan was modified.
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to PHH MORTGAGE.
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| 08/11/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I have had on going issue with Phh Mortgage They misapplied my XXXX XXXX 2015 house payment to principal only, I contacted them XXXX XXXX 2015 and they have not corrected the situation they did finally correct XXXX XXXX 2015 house payment but have now done the same with XXXX XXXX 2015 house payment I have several emails from there customer service members stating in writing that problems would be corrected ( which they have not ) as of today XXXX XXXX 2015 I received papers from PHH Mortgage stating they intend to start foreclosure process.
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| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
|
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PHH Mortgage LN XXXX XXXX XXXX XXXX , XXXX CA XXXX PHH is refusing to release a payoff demand to an authorized third party. Their representative in XXXX stated they are not required to release payoff demands on this file. Their representative refused to let me speak to a manager. We would like an explanation as to why they are refusing to provide a payoff demand.
***Why do we have to file a CFPB complaint on EVERY short sale we have with PHH just to get a Payoff Demand???
I want a payoff demand good for 30 days faxed to XXXX-XXXX-XXXX.
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| 06/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My home is set for property foreclosure XX/XX/2019. I recently faxed to my mortgage servicer request for mortgage assistance. I have attempted to acquire the mortgage company assistance several times for the last year and a half. They have been unwilling to assist me with saving my home. The notice I received from the foreclosure attorney was not received 30 prior to the sale date being set.
Tennessee Las state the property owner is to receive 30 business days notice prior to property foreclosure sale.
See Attachment Please Please Help
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| 02/07/2018 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Servicemember |
|
I have called to get help with getting my payment cought up i do not want to lose my home an all i keep getting is that thay can not see my email or the documents i send an i keep getting farther behind an its almost to the point where i thank thay are not going to help. I want to keep my home and get everything cought up i was haven hard time makein the payments when i got behind. Thay are sayin that all the papers i sent thay only keep for 30 days. At one point thay said i had everything thay needed an now thay dont have anything.
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| 03/03/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I grieved my taxes and the mortgage company adjusted my mortgage based upon the last payment, which was adjusted to reflect my new annual amount. As a result, they under estimated significantly and raised my payment by over XXXX/month.
I have spent more that 12 hours trying to remedy this by paying the shortfall and making my monthly payment manageable, but they lie and disconnect me.
Additionally, they continue to call my cell phone, even after instructed to, to collect the payment after it has been made. This is a nightmare
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| 10/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Obtained refi from PHH mortgage on a mortgage PHH already owned and serviced for a rental property I won. Despite already servicing it, and knowing it was a rental, PHH sent first payment coupons to the rental address ( they had and knew my actual mailing address ) and then only 6 weeks later forwarded the coupons and claimed " my address had changed ''. See attached. my address has not changed. Not sure if this is part of scheme to defraud customers by having them make late payments but it is gross negligence and incompetence.
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| 02/27/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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|
Web |
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PHH mortgage service has failed to update its records of my account being past due in XXXX and XX/XX/2012 despite my providing documentation of error and request to then and Experian to correct. In late 2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XXXX and on XXXX we made a combined XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved
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| 08/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH mortgage is claiming that the home loan to value ( LTV ) mus be 75 % in order to request a drop of private mortgage insurance ( PMI ). According to the consumer protection act of 1998, the PMI can be requested removed at 80 % LTV and must be automatically removed at 78 % LTV. I have never missed a payment, and recently ordered an appraisal which gave me an LTV of 78 %. PHH is refusing to drop the PMI after we followed the proper steps or requesting the drop in writing, having an appraisal, and being current on payments.
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I sold a property at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX on XX/XX/2018 to XXXX XXXX and wife XXXX XXXX. XXXX XXXX XXXX provided a payoff for {$53000.00}. The CD, Title and Deed were signed by me to complete the sale.
Now as of XX/XX/XXXX I have a new trade line on my credit from PHH Mortgage showing the account is 180+ days past due.
This property was sold nearly a year ago. I need this removed from my credit at once. Attached is the CD from the sale along with a verification from XXXX showing a zero balance owed.
|
| 10/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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My mortgage was sold to PHH bank from XXXX XXXX XXXX in XX/XX/2010. I have not been late in paying my mortgage which is due on the XXXX of the month with a 16 day grace period.
XXXX bank has bee contacting me every month on the XXXX of the month informing me that my mortgage payment is late, when it is not.
This has become a constant with these people, which is quite bothersome and a harassment to me. I feel they are trying to DAMAGE my credit by constantly calling me about my mortgage- which has been paid on time.
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| 04/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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From XX/XX/XXXX through XX/XX/XXXX, PHH Mortgage Services was servicing the mortgage on our primary residence. During that time period, our Chapter XXXX Bankruptcy Trustee sent the equivalent of 25 monthly payments to PHH Mortgage Services. However, it appears that PHH only processed 20 of the 25 payments, which made it appear to the next mortgage servicing company that we were 5 payments in arrears.
We able to verify the above information by obtaining the payment ledgers from our Trustee and PHH Mortgage Services.
|
| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
Older American, Servicemember |
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I was laid off from XXXX XX/XX/2010. XXXX of XXXX, Ohio solicited me to have my payments lowered I had no debt other than the house. I did not qualify for any plans, so HH mortgage company foreclosed. I sought legal help and forced to retire. XXXX told me to move on and not hold this against the HUD agency and to just move. I 've thousands of hours of working with private and government agency 's. Now I 'm old and ca n't do as much and still at square one with 15 years of my life gone and no hope for a life as a.
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| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan was sold. The new mortgage servicing company has not contacted me in over 30 days. I have no information other than a letter from my previous servicing company stating the new company PHH Mortage is required by law to contact me within XXXX. I have received nothing from PHH Mortage in over 30 days.
I would like to know the penalties and legalities of this issue, and get on record that I have received no communication or information as required by law.
I would like to also know my recourse if possible.
|
| 06/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
On XX/XX/XXXX I set up an temporary repayment plan with XXXX mortgage to bring my account current. I was instructed to pay by mortgage due 1st at the regular balance of XXXX and starting XX/XX/XXXX the payment I was behind would be spread out until XX/XX/2019 bringing my new payment to XXXX my servicer was changed to PHH mortgage. I was never notified the plan was canceled. PHH had the agreement plan from XXXX but told me I would have to wait for my payments to behind for 2 months in order to restart the plan.
|
| 12/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PHH Mortgage is charging us a late fee and saying we didn't pay mortgage for XX/XX/2018.
We did pay. We always pay on time. We have bank statements that prove PHH Mortgage cashed our checks on time. The company is refusing to answer the phone or give us a live person to talk to. This is the second time they have done this to us among many, many other things. They lost our payment last year and we had to go through a big ordeal and have our bank call them to clear it up. It was long, drawn out, and ridiculous.
|
| 06/14/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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|
Web |
|
|
On XX/XX/2019 I submitted a complaint with you regarding PHH Mortgage. My complaint was that they were unable to find a wire transfer of funds to payoff my mortgage and the had taken money out of my bank account to cover a payment that was not due them.
On XX/XX/2019, the emailed me to inform that they were able to find those funds and applied them to the payoff. They told me the they would refund my payment within 24/48 hours. I have not seen those funds and PHH refused to respond to my emails appropriately
|
| 11/19/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PHH Mortgage XXXX auto drafted an additional {$300.00} over the cost of our mortgage payment and applied it to our principal interest monthly for 4 months, from XXXX 2015 until we placed with our bank, a block on all debits from them in XXXX 2015. PHH was faxed in writing the correct debit amount, called numerous times, notified that we no longer wanted Automatic Payment Drafting and continued to draft unauthorized funds and when notified applied them to principal interest of our mortgage without our consent.
|
| 03/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Called phh mortgage on XXXX XXXX, 2016 and they confirmed they had received our checking acct info via fax and would apply it to next months mortgage payment. This was not done and now they are trying to charge late fee. Multiple phone calls have not resolved this issue. I do not want to keep paying for my loan over the phone and incurring a {$17.00} servicing fee imposed by Phh. I believe phh purposely does n't apply automatic debit processing so they can charge their customers additional servicing fees.
|
| 05/05/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
COMPLAINT ID XXXX Thank you guys for comprehensive explanation, but you explain mathematically.
The property tax is from XXXX to to XXXX next year.The city hall can not change while.
You change the property tax on XXXX XXXXBut property tax did not went up on XXXX XXXX.Why did you increase the tax in the middle of the year.What hapened.?
Second questuion.Can i pay for property tax and property insurance my self, without escrow account.Guys reminder you have transferred my mortgage three times no one.
|
| 03/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My home mortgage service company changed from XXXX to PHH Mortgage. I have a 60 day window to make payments.
I received written notification of the change. I have been unable to set up an online account, after 4 attempts, taking at least one hour each. The website has confusing instructions and does not function.
Neither Customer service or IT service are able to assist me.
I am not sure these people are capable of managing my loan. I do not want this to have a negative impact on my credit rating.
|
| 05/01/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I fell behind on my mortgage with PHH Mortgage Services. We made a payment agreement and I was due to make a payment. However, when I went to make a payment I was locked out of the website payment method, and I was also locked out of the phone payment method. I attempted to call the servicer and left at least two messages with no return call. Something tells me that this business practice is not ok. Why would you lock out people that need to make payments? I am sending a check certified mail ....
|
| 02/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was sold by XXXX to PHH. XX/XX/XXXX was the first month with PHH. I paid my usual payment. ( XXXX ). I received a letter stating that I have a " suspense '' balance in the amount of XXXX but the total amount due is XXXX.
The additional amount of XXXX must be received before the end of the month to avoid reporting to the credit bureau. I have never had the payment increased when the loan was sold to another company and no explanation was given. It 's impossible to call and get answers.
|
| 09/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
Credit report shows zero balance for PHH Mortgage Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by PHH that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX XX/XX/2010. Thank you.
|
| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ; XXXX ; merge with PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX ; XXXX since the merge PHH MortgagesXXXX XXXX XXXX and XXXX XXXX with PHH Mortgage Services located at XXXX XXXX XXXX XXXX New Jersey XXXX for their number is XXXX ; questions regarding merger : XXXX. PHH Mortgage has overcharged me an additional {$17.00} listed as other taxes without explanation increasing my payment unnecessarily.
|
| 12/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On the XXXX of every month my mortgage payment is deducted from my account and sent to the mortgage holder. About two weeks later I receive a letter saying my payment was late and late fees are added. This goes on every month, even though I can show the payments being made and a confirmation number. I've called these people several times and I just get transferred from on person to the next, nothing gets resolved. My previously excellent credit is ruined. I need to put a stop to this somehow.
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Yes I pod my house in full via wire transfer from XXXX XXXX. XX/XX/XXXX I kindly requested a letter showing I paid off my mortgage. Instead they are sending me to collections and not taking my online account and zero it out. I did get a fax with the payoff ran to the bank made sure wire transfer was done. Keep getting XXXX call center then transfer after average of 1 hour. I need letter for my realtor and my insurance company and they need to update as promised all my credit bureaus
|
| 03/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
For myself and my wife, XXXX is showing a balance due still for this mortgage that we had a completed Deed-In-Lieu for. As of XX/XX/XXXX the owed balance should be {$0.00} no more late payments after that date.
They however still show a balance due of over 28K and over 5K as " past due '' PHH Mortgage Service and XXXX have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XX/XX/XXXX of this year ( 3 year waiting period )
|
| 04/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We have received unsatisfactory service from XXXX XXXX ( PHH ). They have provided improper billing statements ; failed to comply with certain RESPA regulations ; failed to provide information about ownership of loan ; failed to apply proper accounting rules ; failed to properly apply payments ; failed to comply with " standard servicer duty '' pursuant to Regulation X ; failed to comply with Attorney General ( New Jersey ) Consent Order regarding Nationwide Servicing Standards.r
|
| 03/01/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
During VA refinancing from PHH ( loan # XXXX ) to PHH ( loan # XXXX ) the closing date was moved by PHH. A XXXX payment was not required as closing was supposed to be XX/XX/2016. Closing did not actually occur until XX/XX/2016 because of repeated delays by PHH. Then, because of the 3 day right of recision and a weekend, the loan did not fund until XX/XX/2016 PHH reported the XXXX payment 30 days late on the same day they funded the new loan. I did not miss any required payments.
|
| 01/28/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Greetings, Once a year, the company which holds the mortgage on my home, PHH Mortgage will send me a check for any overage I have on my escrow account. Since XXXX, I have been waiting for a check for more than {$900.00} dollars. To date, i have not received the check. The company claims they will send it to me shortly but those claims have been made to me since XXXX. Every time I call to follow-up, I am advised nothing has been done. I am not sure who else to turn to. Thank you.
|
| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have two loans with XXXX and the mortgage service provider is refusing to provide payment history for both loans. I have called 7 times and requested payment history and the company will not send it to me. Also I found a mistake in my escrow account and requested that mortgage service provider perform a new escrow analysis and it has been more than a month and nothing has been done. The service provider is PHH Mortgage Services located at XXXX XXXX XXXX XXXX XXXX NJ XXXX.
|
| 12/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have tried to get a modification or forebearance or something to help me when I lost my job back in XXXX. I finally got a job in XXXX but was turned down twice for assistance. My problem is that twice I received letters asking me to send information to them so they can review for assistance. I am getting confused on what is going on. I feel I am being strung along. XXXX are and PHH are both not being honest with me on what is going on. I want XXXX XXXX investigated also.
|
| 02/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I tried to pay my mortgage for XXXX and found out that my loan has been sold. When I contacted the new company i was in formed that my payment has been raised to over {$450.00} more then my previous monthly payments. I never received any notice of the change in payment or that my loan was being sold. I was told they needed to do a analysis on my loan to see what went wrong but they would n't be able to do that until XXXX. In the mean time i need to make the larger payment.
|
| 04/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Sent Mortgage payment to PHH Mortgage and they are not applying payment my account as a monthly payment. I have contacted the company numerous times and I told the payment is in principal and that they will reapply it correctly. They have not after numerous attempts and my account still reflects past due. When I request to speak to a supervisor for assistance I am put on hold and forgotten about. I have stay on hold for hours and no response and even get disconnected.
|
| 05/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
PHH Mortgage Services of XXXX XXXX New Jersey refuses to release me from their private mortgage insurance unless I succumb to their extortionist demands. According to THEM my home is worth {$230000.00}, according to THEM I owe them around {$160000.00}, yet despite them saying this, they refuse to remove the Private Mortgage Insurance on my loan and are trying to extort me for additional money. This is completely unacceptable and they refuse to fix their mistake.
|
| 11/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PHH mortgage sent letter on XXXX XXXX 2017. The letter claims they mistakenly sent my original bills for this mortgage to zip code XXXX. in fact they sent them to the subject property at ZIP code XXXX. In the same letter they claim they switched future correspondence to the same XXXX ZIP code. So by their own admission they made no change to the account and in their own processes they believe they are illegally sending my correspondence to the wrong address.
|
| 04/02/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.
|
| 03/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
1. PHH Mortgage ( XXXX, NJ, XXXX ) recently took over my Mortgage / Servicing.
2. PHH has taken a flurry of actions ignoring the documents I have submitted so far. Specifically : a. Increased my need for Flood insurance unilaterallyb. Purchased additional insurance on my behalfc. Initiated an ESCROW account3. All the above without giving me due notice. All the while ignoring all my communications with them ( email, mail, customer service phone calls ).
|
| 04/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
The home was sold at a foreclosure without proper notice in XXXX 2011. I complained for weeks, then the sale was rescinded. XXXX/XXXX/2011. It " will be sold at a later date, '' according to the PHH XXXX Department.
Assigned XXXX/XXXX/2011 to Foreclosure Attorney, XXXX XXXX XXXX, XXXX XXXX XXXX
XXXX/XXXX/2011 - Insurance submitted.
I am in the process of doing a Qualified Written Request and/or XXXX XXXX. The current status is in active foreclosure.
|
| 08/09/2017 |
Yes |
|
|
|
Web |
|
|
PHH is our mortgage company. We are now attempting refinancing with another company. They have not provided a payoff amount, despite repeated requests to them and to their attorney 's office. I initially requested this on XX/XX/XXXX. It is now XX/XX/XXXX, and we still have not received ANYTHING. We are ready to close in all ways except we ca n't get the payoff letter from them. Tomorrow, our locked in rate expires, and we have still no resolution.
|
| 03/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX transferred our account to PHH, but in the transfer, they lost a payment of {$1200.00} that we made on XX/XX/XXXX. When we contacted PHH on XX/XX/XXXX, they told us we would have to speak to XXXX, and when we called XXXX on XX/XX/XXXX, they told us that they couldn't access the information and that we would have to speak with PHH. In other words, between the two companies, they either lost, misplaced, or stole our payment of {$1200.00}.
|
| 04/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The mortgage is from XXXX XXXX, serviced by PHH Mortgage I was charged twice an inspection fee of {$11.00}, both on XX/XX/19, when asked for an explanation i was not given one. They just say I agreed to it by signing the loan docs. When i asked to talk to a supervisor i was refused, saying someone will call me back ( which hasn't happened ).
I was also charged attorney fees of XXXX on XX/XX/19, even though the loan was brought current in XXXX.
|
| 06/11/2019 |
Yes |
- Mortgage
- Reverse mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
They are trying to make me pay them for a homeowners policy while I carry my own policy. Theirs may be more expensive and have lesser coverage. When I originated the loan I agree with another company that I would carry the insurance. Since the loan in six months has been sold to them I am being hounded over insurance and they want to force additional costs onto the loan. I see where law suits have been brought in Massachusetts over this issue
|
| 05/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Monthly payments for {$3700.00} have been paid each month. For the last 12 months, PHH has h ad consistent issues with listing an escrow on the account and it does NOT have escrow. Taxes and insurance are excluded in the monthly mortgage payment, paid separately by homeowner. As of XXXX XXXX , 2017 , PHH h as issued a letter threatening foreclosure and has returned my las t two payments. PHH is now claiming four months are past due.
|
| 05/05/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I contacted PHH Mortgage on XX/XX/19 requesting to remove the PMI from my loan. The loan to value ratio of my loan is now less than 78 % since the value of my home has increased in the last 7 years. On XX/XX/19, XXXX XXXX is refusrf to remove the PMI from my FHA loan because they will not accept a new valuation of the property. They have said, " New appraisals, which may show an increase in your original value, can not be considered. ''
|
| 09/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
For two years I have submitting docs to Phh mortgage to obtain modification. They just kept asking for more docs. On XX/XX/XXXX I received denial of modification because they refused to use a portion of my income and r refused to offer an opportunity to appeal. Also the desktop appraisals they keep using are highly inaccurate. I see no real report just a value that is more than {>= $1,000,000} over value I need to stop this foreclosure.
|
| 02/14/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I got behind on my mortgage payments. PHH Mortgage said I need to send in XXXX by XXXX XXXX, 2017 or my account would be sent for for closure. I sent my payment in by XXXX and mortgage company received it and was signed off by a XXXX XXXX. Mortgage company said they never received payment and account was put into foreclosure. Mortgage company sent my money back to me on XXXX XXXX. I 'm now having to pay {$2100.00} due to attorney fees
|
| 12/01/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have a mortgage with PHH Mortgage, XXXX XXXX, XXXX XXXX. My complaint is that when I send my mortgage payment that includes prepayment of principal, the prepayment is first credited to the Escrow account, and not as a prepayment of principal. Additionally, PHH Mortgage is servicing my account from a foreign location XXXX. I do not want my non public information being shared with XXXX.
|
| 07/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home.
|
| 03/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We paid off our mortgage in full more than twelve years ago ; however PHH Mortgage Services Corp has taken no steps to remove the lien on our home -- despite repeated requests to do so over the past five months .We have telephoned, e-mailed, FAXed and mailed requests all to no avail. We are an elderly couple in poor health and want to be able to sell our home. PHH 's conduct is an example of elder abuse and potential financial fraud.
|
| 04/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is regarding a complaint that I filed on XXXX/XXXX/2016 regarding my loan servicer PHH Mortgage. I have spoken with them on numerous occasions and have stated that I am still being sent bills for double the amount that I owe on my mortgage. I have not received any response from CFPB and following up to see when I might expect an email. I have never been late on a mortgage payment in my life and PHH has been paid up to date.
|
| 10/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PHH Mortgage aka XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NJ XXXX has been totally misleading, lying & derelict in their duties. I paid off my mortgage on XXXX XXXX, 2015 & to date ( 4 months later ) I have not received my paid in full documents. I have sent 2 letters & spoke with representatives on 4 different occasions without any action, callbacks, or results. They all just lied & said they would take care of it. Just awful
|
| 08/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
I received a Loan modification with a interest rate of 2 % Fixed for 30 Years from my Lender in XXXX 2010 & Recorded as such with the County Clerk Office, Then I received other documents requesting my signature with a Interest rate of 3 % & the rate would subsequently Increase, .My Lender has consistently refuse to Honor the original signed Loan Modification agreement .I have contacted them on numerous occasions but to no avail.
|
| 12/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
My refinance request with PHH ( my existing mortgage provider ) began in XX/XX/XXXX and is currently denied. The denial is being excused and rationalized by PHH under the false pretense that my property somehow in XX/XX/XXXX has a " marketability '' deficiency and is " unique to the location, '' in a way that did n't exist in XX/XX/XXXX when the existing mortgage began. Please see the XXXX page complaint for additional context.
|
| 03/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
i am about to get out of bankruptcy and payoff mortgage in XX/XX/2017 with phh mortgage they did not give me escrow analysis in 5years know they give me one in XX/XX/2017 and say i owe XXXX dollars they can not tell me the dates when this started they are not telling me nothing in writing could you look into this matter i wrote the trustee in this and contacted the bankruptcy lawyer no response my loan # XXXX phh mortgage
|
| 05/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American, Servicemember |
|
Paid off mortage electronically. Can see it on line. Company keeps making excuses why they can not send off a pay off letter. Paid off XX/XX/XXXX. Then they said we owe {$1.00} more. so it was sent in electronically on XXXX XXXX. Now they they recievec that money and tell us the money is in a suspense account. Not sure when they can send a letter off. Company name is PHH Mortage services XXXX XXXX XXXX XXXX XXXX NJ. XXXX
|
| 08/31/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My FHA mortgage # was issued in 2009. According the HUD website, the monthly insurance premiums may be cancelled after 5 years ( if the mortgage terms exceeds 15 yrs ) and the LTV is 78 % or less ( based on origination appraisal ) and on time payments. I meet all requirements. I asked my mortgage company over a month ago to cancel this. They send they were 'sending a form. I have n't a word since. I want this cancelled
|
| 07/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
PHH Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX Servicemember XXXX, PHH sends only correspondance via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get XXXX. I have given them my email over and over but they only refuse to speak thru official mail.
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company, XXXX, changed to PHH Mortgage. PHH never answers the phone XXXX and I cant make a payment on line until after I make a payment online. I submitted a complaint to them online regarding getting my escrow information and they took over a week to unsatisfactorily get back to me. I believe XXXX has made this change to purposely cause people to not be able to make their mortgage payments on time.
|
| 02/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Phh Mortgage servies. Have been tryikng to get a Hamp Modification for a year. They keep saying my paperwork expired or something is missing. They held my payments in a suspense acount and reported to my crdit report that I was n't paying. Told me i got the loan and tried to have me sign papers that would have caused XXXX more in iterest. Trying to fourclose on me now even though i have been paying every month
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX and XXXX are reporting me as 120 days past due on the PHH Mortgage Svc and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
|
| 08/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
PHH gave incorrect and misleading information on how to correct my final acceptance packet. They never corrected the problem as promised and misled me during the process.
When they had n't corrected my packet as promised, they went to forclosure on my property never taking responsibility for mistake. Please make them correct my accepance packet. I did everything that I was ask for in a prompt matter.
|
| 05/29/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
HI.
Dear CFPB.You did not solve the problem.You are keeping the side of mortgage company.In spite that i send 5 email they are unable to solve problem.I can not understand that you do not know the law.Property tax/assessment value/ in CT is set on per year, and can not be change in the middle of year.They change tax in the middle of the year.They ripp me off.I am asking you, what the next..
|
| 08/31/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
The Loan held with PHH/Century 21 Mortgage was paid and satisfied XX/XX/2016. This lien has still not been released of record and is still showing negative reporting on the homeowners credit report. Please demand this lender compliance. It is a Lender 's Fiduciary Responsibility to Release of Record at the Register of Deeds. This homeowner is a XXXX Veteran.
PHH/CENTURY 21 LOAN # # # XXXX
|
| 09/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
Refinance was refused due to improper appraisal. I was charged for incorrect appraisal. Appraiser did not know market area ; did not perform a complete inspection ; included blatantly false and misleading statements on appraisal ; did not use similar properties in similar locations for comparable values ; misidentified zoning classification ; misidentified neighborhood and amenities.
|
| 03/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Recently my mortgage was transferred to PHH Mortgage Services who notified me that {$120.00} in late charges. There's been no interruption in my automatic payments and it was transferred from the previous mortgage holder. I would like an explanation to the fees because I don't believe I have missed a payment. PHH insists they have the right to collect the debt from the creditor.
|
| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am attempting to avoid foreclosure and short sell my home. I have an accepted offer and have been attempting to initiate a short sale with the bank and the bank refuses to allow me to initiate the short sale and refuses to speak on the account. I have left multiple messages with the specialist handling the loan and emailed the foreclosing attorney directly with no resolve.
|
| 03/23/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well.
|
| 02/27/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
PHH mortgage has continuously made several inaccurate changes and modifications to my account. Funds from escrow and even applying payments solely to interest and other areas. I want my loan serviced from another company. I have tried to get these problems resolved and they have even all often applied mortgage payments to other areas leaving money unaccounted for.
|
| 02/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was recently purchased by PHH. I was on a bi-weekly payment plan with my previous mortgage provider and was told in no uncertain terms by my broker that the terms of my mortgage can not change with its sale. PHH does not support a bi-weekly amortization schedule, and I 'm furious. In order to purchase my mortgage, they have to support this do they not?
|
| 11/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Hello. In XXXX XXXX my property was refinanced and appraised for {$130000.00}. Mortgage company XXXX XXXX Mortgage XXXX.
Now, I 'm going to sell the property and find out the property is worth $ XXXX. The property values in the area went up / remained steady since XXXX. I think the appraisal was inflated to get the refinance through.
What recourse do I have?
|
| 02/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage loan was just transferred. The new servicer ( PHH Mortgage ) offers NO OPTION for payment either online or via phone WITHOUT " processing fees. '' In the modern world, these are THE MAIN METHODS people use to pay. Are you telling me I can only avoid processing fees ABOVE AND BEYOND my monthly mortgage payment by using snail mail? Very manipulative.
|
| 06/18/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have repaid my mortgage with Coldwell Banker. While I had my mortgage with Coldwell Banker, the management of their mortgages was taken over by another company called " PHH Mortgage Questions ''. I note that my fully repaid mortgage still appears on my credit report. Why is it still there and how can it be removed. The mortgage was repaid over 7 months ago.
|
| 02/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
As of today 's date XX/XX/XXXX I have not received my end of year paper showing all of my taxes and interest paid. I called the lending group and I was told that the papers were mailed out XX/XX/XXXX. My son has the same financial group and he has not received his neither has XXXX other friends of mine so apparently this group has not mailed out their papers
|
| 06/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I called PHH immediately after receiving my mail on XX/XX/2019 to question PHH about this extra charge on my statement, the agent that took the call name is XXXX, I.D . XXXX or XXXX. also called back this morning to find out what state the removable of that charge in the person that took the call, name XXXX I.D . XXXX XXXX said that they are working on it.
|
| 06/22/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I had been working with this mortgage broker for over 6 months with a pre approval letter he told me that I qualified for a loan for XXXX. After looking for a home and submitting all the paperwork ad setting a closing date. I do n't get the home that I want. He kept lying to me about my credit, or my debt to ratio, or have n't been on my job long enough.
|
| 04/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I Have made 3 attempts to make my payments to PHH mortgage Services, they have transferred my account from XXXX XXXX XXXX and joined with them, but they have returned my electronic checks from my bank to make payments on my mortgage, they have offered other options to make payments thru debit cards and they too have not been accepted and returned
|
| 01/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This mortgage was included in a chapter XXXX bankruptcy and was not reaffirmed. I have one 30 day late and from I understand this should not be reported on my credit report because I am no longer financially responsible. This has caused my credit to drop by 30 points. It is illegal to report this information as I am protected by the bankruptcy.
|
| 06/17/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
PHH KEEPS REPORTING ME 30 DAYS LATE WHEN THEY ARE HOLDING ONE OF PAYMENTS IN SUSPENSE AND THEY ARE TELLING ME THAT I NEED TO MAKE A PAYMENT AND TO BRING MY LOAN CURRENT IN ORDER FOR THEM TO APPLY MY PAYMENT THAT THEY ARE HOLDING IN SUSPENSE. THEY DON'T SEEM TO UNDERSTAND THAT MY LOAN WOULD BE CURRENT IF THEY APPLIED THAT PAYMENT CORRECTLY.
|
| 05/21/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Ok I XXXX my husband to XXXX last month XX/XX/2019 I spoke to a specialist at phh mortgage services they said my mortgage was upside down and I couldn't do anything about it I wanted to lower my payments because of the struggle I'm going through I've reached out to so many lenders and nobody helps this is completely unfair XXXX XXXX XXXX
|
| 08/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
PHH has sent us a fraudulent statement regarding our mortgage. They have refused our payments after they received our last trial payment of our loan modification XXXX XXXX XXXX 2016. They also sent us an intimidating and fraudulent Delinquency Notice. We are being harassed by this company.with these threatening notices being sent to us.
|
| 03/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Was looking at a house with a Coldwell Banker Agent. She referred me to one loan officer and he collected my information. He never disclosed that he was n't the person who would run my credit. He worked for PHH Mortgage and the Coldwell Banker in XXXX. His name was XXXX. I feel as if something was being done that was n't legitimate.
|
| 05/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
My financial hardship started in 2015. I contacted my mortgage company and they have been requesting for the same documents over and over again for the past year. It has been a nightmare and has caused my medical condition to get worse. I have provided my documents on a timely fashion and have yet to get a final response.
|
| 08/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
PHH mortgage knowingly and willfully closed on a loan involving the wrong amount of money and owes me {$2000.00}. At the time they closed on the loan they knew their numbers were wrong and failed to correct them and reimburse me the correct amount of money. Thus I believe this also constitutes criminal financial fraud.
|
| 08/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I attempted to get a loan modification, they did not return calls, claimed that they did not receive the correct paperwork though it was submitted several times.I then attempted to do a short sell on the property.they sent the necessary forms but they had already foreclosed on the property and put it up for auction.
|
| 07/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
For the last several years our mortgage company has delayed sending our coupon payment booklet. It is normally due to be sent out XX/XX/XXXX we didnt get it till XX/XX/XXXX before it was XX/XX/XXXX. When we call its always a hassle, to make a over the phone or online is an extra XXXX-XXXX dollars to make a payment?
|
| 08/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was transferred by PHH Mortgage to a third party mortgage service company without formal notice to me my PHH Mortgage. Complaints and questions were met with a telephone tree of customer service reps with no answers. Further escalations resulted in form letters and evasive conduct by PHH Mortgage.
|
| 09/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company is PHH mortgage there address is XXXX XXXX XXXX XXXX, NJ,XXXX.My payment have went through my bank and cleared yet they have no record of this for my XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and show no payment for XX/XX/XXXX. Now they want to foreclose on my home I have sent proof of checks.
|
| 07/10/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I had this problem with PHH Mortgage some years back. They started again on XX/XX/2018, the caller says that this is an attempt to collect a debt, and that the call is being recorded. I am not behind on my mortgage and the payment is not past due. My payment history is good for the life of this loan.
|
| 12/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
attempted to get a modification agreement done with the mortgage servicer phh mortgage services but they prolonged the process way to long and would not provide a definitve answer. we filed a bankruptcy for protection however the owner of the loan XXXX XXXX has filed a motion for an automatic stay.
|
| 09/18/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I asked my mortgage company, PHH Mortgage, if I could make bi-weekly payments. I was told that their company no longer accepts bi-weekly payments, and that even if I sent them it would not accelerate the amortization of my mortgage -- i.e. they would still treat my bi-weekly payments as monthly.
|
| 05/18/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX XXXX of XXXX, an amount of {$1500.00} was added to the payoff amount of my mortgage. I was not notified of why these additional charges were made. In XX/XX/XXXX, I received late fee notice of {$510.00} to my now transferred account. These fees are overcharged amounts for late fees.
|
| 01/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have an insurance claim and the check was made out to mortgage company and myself. The company has been troublesome rude and threatening in processing this money back to me. I am concerned about the ability to do the repairs insurance is paying for when they are getting in the situation
|
| 12/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
During the period of my mortgage with PHH Corporation, force placed insurance charges were fraudulently collected from my account. PHH has been ordered to provide restitution to such borrowers as myself. I have asked PHH for funds to be returned and they are nonresponsive.
|
| 08/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan was transferred from XXXX XXXX to PHH. I have typically received a statement and pay online. I did not receive any kind of statement from them and they charge XXXX for online payment unless I go to paperless billing. I was told all fees and charges remain the same.
|
| 09/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
In 2013, PHH Mortgage no longer accepted the mortgage payments and failed to produce the originating documents. Due to this, the property is now in active foreclosure and I am not the debtor, the home belonged to my late mother whom willed me the property.
|
| 04/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We discharged A Mortgage in a Bankruptcy in 2007 with PHH Mortgage in 2007. We never reaffirmed the Mortgage. The Mortgage company has placed an adverse action after 5 years later on my credit when they proceeded on a short sale to dispose of the property.
|
| 01/18/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Hello, I have an active complaint, XXXX XXXX. The mortgage company sold my property after erroneously stating that it was in litigation. This is in violation of the law. I need assistance to go after PHH Mortgage Company for conducting mortgage fraud.
|
| 06/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PHH Mortgage ( XXXX ) calls every month beginning from the XXXX of the month until the mortgage is paid before the XXXX of each month.My mortgage payment is current, but the calls are incessant from XXXX until after XXXX.
I want these calls to stop.
|
| 10/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We had an approved trial plan with XXXX. Our loan was transferred to PHH. PHH refused to honor our loan modification. We made all trial payments on time. I am attaching a fradulent statement sent to us by PHH. They bhave since refused our payments.
|
| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My loan was sold to PHH mortgage fro. XXXX and subsequently the new company changed my name from XXXX XXXX to XXXX XXXX. Every time I call of course its a problem since its two different names. I have no identification with the name XXXX.
|
| 09/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We submitted a written request to our mortgage company by email to remove PMI. We have had 1 year of on time payment history and meet requirements of 78 % LTV for automatic removal. The mortgage company has denied our request.
|
| 06/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I applied for a loan modification with PHH Mortgage and they sent me a letter back " Decision on the Request for Mortgage Assistance '' that I am not eligible according to guidelines of the owner of my loan XXXX Bank XXXX.
|
| 06/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Client wrongfully denied a XXXX HAMP loan modifcation. He was denied by PHH Mortgage because they say he did not successfully complete a previously HAMP offer. He never accepted or was offered a previous HAMP modification.
|
| 03/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
2nd complaint against this servicer in past week. This complaint is different than the first. The company has failed to pay my county property tax which was due 4 weeks ago, yet have other {$3000.00} in escrow account.
|
| 09/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
PHH is altering facts and fraudulently foreclosing on our property. I am attaching a letter they sent us confirming this. We have many pending complaints on this company with the CFPB that have not been resolved.
|
| 01/12/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am unable to reach PHH Mortgage ( https : //www.phhmortgage.com/13571 ).
- online their autopay webform is broken - their phone system is not working so unable to reach a customer service representitve
|
| 06/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company underestimated property taxes by a large amount. As a result, my payment has increased by approximately & XXXX due a an escrow shortage. This took effect at the beginning of this year
|
| 06/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX moved my loan to PHH and the modification which was approved was taken away. Also the amount of the modification is unreasonable.
There is no one to speak at this company and it is not fair
|
| 01/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
I have attempted to validate the debt that they claim I owe and my requests have been denied. The mortgage company has been acting fraudulently they refuse to produce proof of a valid contract.
|
| 11/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I tried to obtain a home loan through PHH and was quoted a rate of 4 % and at loan signingI was given a rate of 5 % - my loan officer did not tell me why and left to go on vacationfor 3 weeks.
|
| 01/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American, Servicemember |
|
Gentlemen : This Company ( PHH XXXX, XXXX NJ XXXX ) has failed to provide me with a " Release of Liability '' upon a fee of {$900.00} which I paid on XX/XX/2014. Please advise. Thank you,
|
| 09/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have a mortgage loan # XXXX with XXXX XXXX XXXX. Is the XXXX note subject to the same settlement and remidies as the XXXX note, ordered by the Department of Justice?
|
| 05/17/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I spoke with XXXX XXXX of PHH A review was in place for loan mod Today I called PHH and nothing is being reviewed An investigation needs done on PHH
|
| 02/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Asked for a Mtg Modification. Was offered a {$200.00} per month reduction but they wanted to add 20 years to the end of the current payoff date.
|
| 07/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Coldwell Banker Mortgage /PHH Mortgage made an unauthorized withdrawl from my checking account and ca n't find the payment in their system.
|
| 02/27/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage loan was transferred from PHH and I was n't notified. I do n't know who bought my loan or where to send my payment.
|
| 04/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I was getting a divorce The lender would not work with me The loan was an adjustable rate mortgage at the last minute
|
| 07/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Lender sent personal tax info including SSN, signatures, and full contact information to me via unsecured email
|
| 09/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I paid off my home 28 days ago and still have not received the balance of my escrow fund from PHH Mortgage
|
| 07/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
PHH Mortgage. Mishandling of the mortgage refinance process during a divorce proceeding.
|
| 05/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Incorrect plaintiff foreclosed on me, forcing bankruptcy and homelessness.
|
| 04/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PMI insurance should be coming off loan
|
| 06/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/28/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 06/27/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 06/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 06/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 06/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 06/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 06/21/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/19/2019 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
Servicemember |
|
|
| 06/19/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 06/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 06/17/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 06/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/14/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 06/14/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 06/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/11/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/11/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/10/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/06/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 06/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/05/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/03/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/30/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/30/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 05/29/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 05/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 05/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
Older American, Servicemember |
|
|
| 05/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 05/14/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 05/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 05/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/07/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Postal mail |
|
|
|
| 05/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 04/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 04/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/24/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/24/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 04/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/19/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 04/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 04/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 04/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/08/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/28/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
Older American |
|
|
| 03/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 03/19/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 02/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Postal mail |
|
|
|
| 11/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 10/18/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/10/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 10/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/09/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/17/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 09/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
|
| 09/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 09/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/31/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/30/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/17/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/08/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 07/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/12/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 07/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 06/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 06/19/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 06/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 06/06/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/01/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 05/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
|
|
|
Web |
|
|
|
| 05/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 04/04/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Referral |
|
|
|
| 04/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/03/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/02/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 03/29/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/21/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 03/16/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/08/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 03/01/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 02/26/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 02/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/06/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 02/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/31/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/24/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 01/18/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/04/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/28/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 12/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 12/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/13/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/30/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/18/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 10/09/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 10/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/30/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 09/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/21/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 09/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/15/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
Servicemember |
|
|
| 09/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 09/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/04/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 09/01/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/28/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/21/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/18/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 08/09/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
|
| 07/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/27/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/19/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 07/16/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
|
| 06/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 06/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 06/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/08/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/12/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 05/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 05/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
Servicemember |
|
|
| 04/29/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/27/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 04/21/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 04/20/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/17/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 04/12/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 04/06/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 04/04/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/03/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 04/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/27/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/24/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/23/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 03/20/2017 |
Yes |
|
- Incorrect information on credit report
- Public record
|
|
Web |
|
|
|
| 03/20/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/13/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/09/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 03/04/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/04/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 02/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/27/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/24/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/22/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/21/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/16/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/10/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 02/07/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 02/01/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/25/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 01/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 01/21/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/21/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/19/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 01/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/10/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/10/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/09/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 01/06/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 01/06/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/05/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 01/03/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/01/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 12/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/27/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 12/20/2016 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 12/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/15/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 12/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/13/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 12/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 11/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/23/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 11/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 11/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 11/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/27/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 10/15/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 10/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/03/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 09/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/23/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/16/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 09/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/13/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 08/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/29/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/29/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 08/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 08/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/11/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/10/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/10/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/08/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 08/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/23/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/21/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 07/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/10/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/07/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/06/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/30/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 06/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 06/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 06/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 06/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/18/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 06/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 06/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/08/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
Servicemember |
|
|
| 06/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 06/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 05/31/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 05/25/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 05/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 05/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/24/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 05/20/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/20/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/16/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/13/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 05/09/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Fax |
Older American |
|
|
| 04/29/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 04/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/31/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/30/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/30/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 03/30/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 03/29/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 03/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 03/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/21/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 03/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 03/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 03/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/08/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/24/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/24/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 02/23/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 02/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 02/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/17/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 02/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/09/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 02/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 02/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/02/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/02/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/02/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 02/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/02/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 01/26/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 01/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Servicemember |
|
|
| 01/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 01/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/15/2016 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 01/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/14/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/29/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/28/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Phone |
|
|
|
| 12/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/18/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 12/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/17/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/15/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/10/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/07/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/01/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 11/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/27/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 11/25/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/25/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/24/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/16/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 11/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 11/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 11/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 11/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/02/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/28/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 10/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Servicemember |
|
|
| 10/07/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/05/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 09/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/26/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/18/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/15/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 09/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/09/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/09/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/31/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/28/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/21/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 07/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/24/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/24/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/22/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 07/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 07/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 07/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 07/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 07/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/03/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/02/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 07/02/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/01/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 06/29/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 06/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/14/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/03/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/03/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 06/02/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Servicemember |
|
|
| 06/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 05/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/21/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 05/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 05/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/11/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 05/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 05/04/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/01/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 04/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/29/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 04/28/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 04/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 04/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 04/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/18/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/14/2015 |
Yes |
|
- Settlement process and costs
|
|
Referral |
Older American, Servicemember |
|
|
| 04/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 04/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/01/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/25/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/23/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/03/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 03/03/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 02/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 02/16/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 02/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/01/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|
| 01/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 01/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 01/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/19/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/11/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 01/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 01/05/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
|
| 12/29/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/22/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 12/19/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/19/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/18/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/16/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 12/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 12/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/02/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/26/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/22/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 11/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/17/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Servicemember |
|
|
| 11/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 11/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 11/12/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/05/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 11/04/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 11/04/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/04/2014 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 11/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Servicemember |
|
|
| 10/27/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/24/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 10/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 10/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/17/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 10/15/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 10/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/15/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 10/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 10/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/09/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 10/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/09/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/04/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/01/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 09/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/26/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 09/26/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/23/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/23/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/23/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/18/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/11/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 09/05/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/01/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/27/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 08/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/17/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 08/09/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 08/04/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 08/01/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 08/01/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/31/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/30/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/29/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/29/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American, Servicemember |
|
|
| 07/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
|
- Credit decision / Underwriting
|
|
Referral |
|
|
|
| 07/24/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 07/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/16/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 07/16/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 07/16/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 07/15/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 07/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/09/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 06/30/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/30/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 06/27/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 06/26/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/26/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/24/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 06/24/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 06/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 06/11/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/09/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 06/04/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/04/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/04/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 05/30/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/27/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 05/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 05/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 05/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/15/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 05/12/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 05/09/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/09/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Email |
|
|
|
| 05/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 05/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
|
| 05/05/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/04/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 05/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/01/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 04/30/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/30/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/29/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/29/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/29/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/29/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/27/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 04/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/22/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/18/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/16/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/15/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 04/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 04/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/07/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 04/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
|
| 04/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 04/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/31/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/27/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 03/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 03/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 03/11/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/07/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 03/07/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/07/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/27/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/23/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 02/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 02/19/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/18/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/18/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 02/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 02/17/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/17/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/14/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 02/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 02/08/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 02/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 02/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/31/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 01/31/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/30/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/30/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/28/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/28/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/27/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/25/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/11/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/11/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/04/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|
| 01/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 01/02/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/31/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/31/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 12/30/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/29/2013 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
Older American |
|
|
| 12/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/27/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/26/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Referral |
|
|
|
| 12/24/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/23/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/11/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 12/11/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American, Servicemember |
|
|
| 12/10/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/09/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/09/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/06/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 12/04/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/04/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/27/2013 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 11/25/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/25/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/25/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 11/23/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
|
| 11/22/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/20/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/19/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/13/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 11/13/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/12/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 11/08/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/07/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/06/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/04/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/04/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 11/02/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/30/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/30/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/30/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 10/30/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/29/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 10/28/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/28/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/24/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/24/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 10/24/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/24/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/23/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/17/2013 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/17/2013 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 10/16/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/16/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/15/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/14/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/09/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/09/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/08/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/08/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/08/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 09/29/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 09/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 09/24/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 09/24/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 09/24/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/24/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/20/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/20/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/20/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/19/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/18/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/17/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/16/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 09/13/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/12/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/11/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/09/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 09/09/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/09/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 09/05/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/03/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 09/02/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 09/01/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/29/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 08/28/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 08/27/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/23/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 08/23/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/21/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Phone |
Servicemember |
|
|
| 08/21/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/21/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 08/20/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/20/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/20/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/19/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/16/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/15/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/15/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/15/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/14/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/14/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/14/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/14/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/12/2013 |
Yes |
|
- Credit reporting company's investigation
- Investigation took too long
|
|
Web |
|
|
|
| 08/09/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/08/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/07/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/05/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/02/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/01/2013 |
Yes |
|
|
|
Postal mail |
|
|
|
| 07/31/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/30/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/30/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/27/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/27/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/26/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/25/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/25/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Postal mail |
|
|
|
| 07/25/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/24/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/24/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/24/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 07/23/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Phone |
Older American, Servicemember |
|
|
| 07/23/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/23/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/23/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 07/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 07/22/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 07/22/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/20/2013 |
Yes |
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
Servicemember |
|
|
| 07/20/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/19/2013 |
Yes |
|
|
|
Postal mail |
|
|
|
| 07/19/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/18/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/16/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/15/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/15/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/12/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/11/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/11/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 07/11/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/11/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 07/09/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/09/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/09/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/08/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 07/02/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/02/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/29/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 06/29/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/29/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/29/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/28/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/28/2013 |
Yes |
|
|
|
Referral |
|
|
|