Date Received: 2022-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my mortgage at the end of XXXX and now PHH XXXX handles it. It was late XX/XX/XXXX when I noticed that one of my tax bills was marked as delinquent. I have two property index numbers associated with my mortgage. One is my condo and the other is my deeded parking spot in the same building. The tax payments for both were always handled through my mortgage in the past but clearly, the deeded parking spot was omitted when the refi happened. I alerted PHH about the issue right after the new year and they have logged a ticket for a resolution, but this is still not fixed and the delinquent tax bill keeps being charged delinquency charges in lieu of PHH not taking care of it. As of XX/XX/XXXX PHH is still passive on this issue. After a veyr long and frustrating phone call with PHH, I got the name of the company they work with for tax payment, called XXXX XXXX. I called XXXX XXXX ( they handle the tax payments with/for PHH ) directly to figure out what the problem is since PHH blamed them for not responding to the ticket they logged with them. A very helpful customer service agent helped me at XXXX XXXX. She noted that not only has PHH not submitted the overdue/delinquent tax amount due last year, but they also screwed up my account even more!!!! Instead of simply adding the deeded parking spot alongside the condo, they omitted the condo tax bill and only added the deeded spot. Had I not called XXXX XXXX directly, this would have turned into a much larger mess than it already is. I am hoping that this will be resolved quickly now that I have gotten some clarity and action from XXXX XXXX, but I am concerned about PHH in general and that they will try to make me responsible for the delinquency charges that have accrued on the parking spot tax bill. There is no reason for the passive/non-urgent response from PHH, not to mention that they were in the midst of messing up my account even more!!! Frankly, it's disgusting that I have had to be the one to take initiative on things they should have been doing all along, i.e calling XXXX XXXX to check on the status/pressing for the resolve of this issue. I have never been late on a payment once, so this is just a gross display of PHH XXXX lack of concern and consideration for me.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed a complaint with CFPB in XX/XX/XXXX with hopes that I could stop a foreclosure sale on my home. I was previously under XXXX. XXXX bankruptcy but it was dismissed because I could no longer keep up with my plan payments. I also filed for a loan modification with PHH in XX/XX/XXXX. I phoned PHH and got an appointment with my relationship manager, XXXX XXXX. The foreclosure sale was halted and I consulted with a realtor to put my house on the market to sale it. I moved my items out of my home to have a few repairs done that my realtor suggested. Within a month of my home being on the market, I went to my house and I received a notice on my door from a company called XXXX XXXX XXXX. Apparently PHH hired them because my home was vacant. They had no way to confirm my home was vacant. I had a cash offer on my home but the offer was taken back after the notice from XXXX was put on my door and railings. The language on the letter stated I could not enter my home with calling XXXX. I filed a complaint through the XXXX against XXXX XXXX XXXX. The company responded to the complaint stating they were hired by PHH to secure my home because of delinquency on my account ( see attachment ). On Wednesday XX/XX/XXXX XXXX XXXX XXXX broke into my home while I was not there and did something to my door locks. I plan to seek legal counsel for unlawful entry into my home. That is an illegal practice. PHH denied my loan modification and would not even allow to apply for a forbearance and I was not offered a repayment plan to help bring my account out of delinquent status. With all the government programs in place to help homeowners avoid foreclosure they have not helped me at all. PHH Mortgage is deceptive in their actions in helping me keep my home.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a Fremont Investment and Loan CoXXXX originated loan that has been through the hands of multiple companies. I have not been able to resolve this account with current company Ocwen/PHH Mortgage/XXXX .
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX regarding my complaints from XXXX ( total of XXXX ). The problem is still not resolved & their records is incorrect!! Since XX/XX/XXXX, I have been filing complaints to get what I call JUSTICE. It took XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX, XXXX, almost 2 years to rectify the problem in the XXXX XXXX XXXX XXXX XXXX, meantime I was charged interest on money that was exempt which was never refunded. It finally took XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, to apply the XXXX remaining installments {$110000.00}. Ocwen had reverted to the entire amount & was charging me interest on the deferred as well as the interest bearing amount. In addition, {$580.00} ( HAMP Borrower Incentive Accrued ) was never addressed. In my statement dated XX/XX/XXXX, my principal balance was {$65000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$61000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$59000.00}. There is no breakdown as to how they arrived at the total funds of {$9600.00} from XX/XX/XXXXXXXX. Ad the payments are made the principal including all additional payments should cause my principal to decrease ( discrepancy ). In addition, my payments are due in the 1st with 15 days grace period ( XXXX ). XXXX overcharges me XXXX ( XXXX ). Payments are paid Thru XXXX XXXX but PHH Mortgage & their constituents deliberately take their money out on the XXXX & XXXX XXXX to charge me ( XXXX {$81.00} )
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX who took over my mortgage from PHH Mortgage is trying to extort money from me {$360.00} for insurance coverage ( XXXX ) even though I have insurance with the same company, XXXX XXXX on the property from XXXX. I have it with the same insurance company. This is double coverage which is not needed. I provided them proof! No one answers the phone-its a recording m! Ever since XXXX took over they have been committing FRAUD!!!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX OH, XXXX XXXX who took over my mortgage from PHH Mortgage is trying to extort money from me {$360.00} for insurance coverage ( XXXX ) even though I have insurance with the same company, XXXX XXXX on the property from XXXX. I have it with the same insurance company. This is double coverage which is not needed. I provided them proof! No one answers the phone-its a recording m! Ever since XXXX took over they have been committing FRAUD!!!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This mortgage is with PHH. Our previous complaint number was XXXXXXXX XXXXXXXX. I did not answer back on that complaint because to me their response was more of the same untruths that I had seen in other letters to the Attorney General. My life experience is very different from what they have in their response. But this complaint is to finalize my experience with them and I need your help. This proves that they are fraudulent as I have said all along. I offered them a payoff on the home of {$100000.00} on XXXX XXXX. They needed over 4 weeks to get another appraisal on the home before they turned that down. That is what I owed when the mortgage CLOSED in XX/XX/XXXX. ( We had hired a lawyer to sue Ocwen/PHH for fraud and he actually turned out to be fraudulent as well. He NEVER gave us ONE document that the mortgage company gave him from XX/XX/XXXX till we received the ACT 91 notice in XXXX XXXX including their loan modification offer to this day ). Unfortunately, they were continuing to add on to the CLOSED mortgage every month through the pandemic.for the past two years. XXXX XXXX XXXX, who gave me the refusal, also suggested to offer {$110000.00} which I did. It took them till XXXX XXXX, to turn that offer down. They sent several letters for extension saying they had to do research and I had a complaint???? ( don't know what that was ). I had asked for an answer by XXXX so that we would be able to enjoy our last family XXXX together as my mother has XXXX XXXX and I had been in and out of the ER and doctor 's offices because I could no longer keep my food down without medicine and extreme pain. The doctors finally deduced this was due to the mortgage stress and loss of income due to attendance at the events we do for a living because of the virus and a severe loss of income. So XXXX was a hellish month for myself and my husband instead of one of holiday joy. Then XX/XX/XXXX, we received an email from XXXX XXXX, who has always been amiable, saying that our {$110000.00} offer was unacceptable and the " investor '' wanted the full amount of {$130000.00}. Our original mortgage in XXXX was {$140000.00}. We received {$10000.00} in principal credit through the HAMP program from President Obama 's program, so the " investor '' is giving us credit on 3 MONTHS of mortgage payments that we made during 15 YEARS of making payments. XXXX XXXX gave us until XXXX XXXX to obtain the additional {$16000.00} in funds. However, this past Friday, the XXXX of XXXX, we received a letter dated XX/XX/XXXX that they have hired a lawyer and STARTED the FORECLOSURE process on us. I had told her all along the 14 months that we have been communicating that I wanted to avoid that at all costs. At no point in her email to us did she say that she was going to foreclose on us before XXXX XXXX. She NEVER SAID that we had to overnight {$130000.00} to avoid the FORECLOSURE process. We want that FORECLOSURE process STOPPED NOW!!!!
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: This company claims that I owe a debt to them. They then turn around and sent my personal information to a so call attorney/debt collector who has my address.Never did I enter into a contract with anyone. The home was left to me by my mother.
Company Response:
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: we have been providing documents for a loan modification since XX/XX/XXXX thruXX/XX/XXXXphh has accepted a completed packet and now wants more documents they are now saying that we are out of time we have now hired an laywer to help with the conflicting stories from phh and we still have been put in the que to speak with our actual relationship manager on XX/XX/XXXX who we have not been able to speak with since XX/XX/XXXX to reveiw the documents they say are now outdated
Company Response:
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, You have been quite helpful in getting PHH Mortgage to take action but unfortunately the issue of getting my escrow payments made has not been resolved. This will be my 3rd ticket to get assistance. XX/XX/XXXX, I reported that PHH had paid my escrow tax money on the PIN numbers of another unit in my building. ( Taxes due XX/XX/2021 ) They keep reporting to you and me that the issue is resolved but it is NOT. I have submitted tax papers showing the correct numbers and confirmed them verbally yet I received a letter yesterday saying all is well, you are paid up and it continues to show the wrong tax numbers. I can not actually speak to anyone at PHH on the phone and they have not called with an update in 3 weeks now. thank you for your continued help XXXX XXXX
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A