Date Received: 2021-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Basically, my account has been transferred to PHH Mortgage & the payment options they say are available aren't really available. I was just hung up on by one up their reps as she tried to explain to me that it is too early to make my XXXX payment. I work on commissions and like to make my payments ahead of time to keep from stressing over bills. I have had to fight with company from the beginning to make payments & this should not be the case. I have filed complaint with the XXXX where I found 933 complaints last week regarding their lack of customer service and unethical practices. We need an AG to address these issues and call these things out. Each time I try to make a payment I get the following same message : Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. To see all currently scheduled payment dates, check the " Scheduled Payments '' tile. If you have not previously scheduled a payment, or need assistance, please call XXXX. My last payment was made on XX/XX/XXXX and has cleared my bank. I would like to be able to make my XXXX payment this week and XXXX payment next week. I don't like using the us mail because things get lost and move too slow. Also, I don't want to give my banking account info to someone I don't know over the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I applied for a home loan and received the loan through XXXX. XXXX XXXX then sold my loan to PHH Mortgage. PHH Mortgage has yet to send me information on payment information. I contacted them in XXXX, and XXXX requesting the information. Currently my payment is up to date as I always pay the month in advance before it is due and my previous payments to XXXX has me paid for in XXXX. XXXX I will need to make a payment however. Having asked multiple times in the course of a month PHH has yet to send me the billing information. Thankfully XXXX listed the new loan number or I would not have that. My only desire is to continue to pay my mortgage on time as I had done with XXXX.
Company Response:
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have filed previous complaints however the problem is that no one is grasping that I was FORCED into these loan modifications because of PHH accounting errors and to fix them I could not come up with the money for my taxes ( happened twice ) and they tried to put me into foreclosure twice plus one time I asked for a 2 week maximum extension to make my house payment and again FORCED into an 11 month forbearance. I just want to have the fees associated with these forced modifications waived as they were due to accounting errors on PHH 's behalf. This is what gets missed WHY were these things done? I am trying to pay off my house and in the past I was told to just sign these modifications and they would clarify and fix everything later. That never happened over and over. I received fraudulent documents from this company as well. Same name sending me foreclosure information and notarized different signatures. I had to contact and executive in the company to stop a fraudulent foreclosure of my home. That executive is no longer there and I can not find numbers on the internet anymore. please just take these unlawful fees off my acct so I can pay off my acct and be done with PHH. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: hello well my experince with my mortgage XXXX c/o phh mortgage has been traumatize .i have ask XXXX for refinance and take money out from my equity so we starded this proces on XXXX and sent and appraisal pretty much all the compamy police requeste and we did all they ask sent via email and fedex .well they have lied to me and to my loand person XXXX .there responce has been always that they never receive nothing or got lost there excuse has been lost never receive we have try pretty much everything. am so stress out tired off them. its now XXXX XX/XX/21 and every time me or XXXX agent calls them is ur case payoff is in review well my health is not well off all this procese with my phh mortgage i ask for help please tell me how to get them to relice my payoff so wellsfargo can finish this proces.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband passed away XXXX XXXX. He left a will leaving me as sole beneficiary of his estate.Including in his estate was a property located at XXXX XXXX XXXX XXXX XXXX which had a mortgage.I sold this house and went to closing XX/XX/XXXX. I couldnt afford the mortgage after his death. Prior to my husband 's death the mortgage was held in his and his ex-wife 's name.After the ex-wife received everything she wanted within the divorce agreement she, by law had to issue a quick claim deed to myself and my husband for the property mentioned above. PHH Mortgage is refusing to issue the escrow refund check to me although they have already declared me to be successor in interest. I have complied with their requests to send them multiple documents to their " research '' department to no avail.I have sent them PHH Mortgage my husband 's will and the deed reflecting my ownership.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our mortgage was sold to phh mortgage a division of ocwen financial corporation in early XX/XX/XXXX effective XX/XX/XXXX. We have several complaints : 1 ) No loan documentation or loan servicing information about transfer was sent until we called multiple times. They said they sent it and provided a copy ( see attached ) but you will notice that the date on their letter is XX/XX/XXXX and it was sent via standard mail not first class so it would not arrive until far too late. We paid our XXXX mortgage payment on XX/XX/XXXX because we didnt have the letter to know that autopay would also be done. 2 ) The letter provided says no autopay will be done until XX/XX/XXXX. However, the funds were taken from our account on XX/XX/XXXX ( see attached screenshot as proof ). PHH didnt even follow the terms provided in their own letter that was sent standard mail the day before they took the money from our account! 3 ) we have been attempting to obtain back the extra mortgage payment since XX/XX/XXXX. We have called over 40 times, no one calls us back, they say theyve sent checks, they cant send the funds back electronically, and the issue is still not resolved. We cant go without {$3000.00} for month after month!
Company Response:
State: CO
Zip: 80138
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have my mortgage open with XXXX XXXX initially then the mortgage got sold to XXXX XXXX then XXXX being sold it there was a mess up for for updating my payment schedule from one bank in another meanwhile I was trying to reach out to the bankers I was getting transferred to different lenders during that time I was in a car accident so I had hardship with my income called Ocwen bank and requested the loan modification their team told me dont way you would qualify as you need to be behind on your mortgage and then I follow their instructions I offered to make a full because I was getting lettuce that I was behind the case manager told me if you make the payment you will not qualify for a loan modification so come to find out they denied my loan modification and they wanted me to pay all the past two payments while I was in a hardship due to my car accident I asked him to why are you not helping me the answer was that you called and I spoke to someone else and offered to make payments so for that reason we can not do loan modification for you and now your credit its gotten so bad were unable to help you so were gon na have to either foreclose your house or you just Got ta make big payments to get caught up and at that time I had no choice but save my family my kids to stay in the house meanwhile I had sent them several letters to remove the leads of my mortgage they refused to do so they offered if I paid him {$2000.00} for one of their credit repair people then they can remove the late which I thought it was completely legal I believe Ocwen bank Its completely fraud themselves meanwhile the room my credit and I need help I am trying to buy a house right now and theyre late payment on my credit stopping to move forward with my life please help thank you
Company Response:
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My issue is with Ocwen Loan Services/PHH Mortgage XXXX We had two loans and one was charged off The first mortgage had a modification done to it and the second did not and we were not able to get the second modified. The HAMP Obama law that was passed was if the first mortgage is modified the second mortgage it is mandatory to modify it. This did not happen we were never able to get the second modified. Can you ask Ocwen did they not know the proceeders to modify the second after the senior mortgage has been modified. I would like a written response to know what happened. Respectfully, XXXX XXXX
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX we received a mortgage payment bill but immediately saw it was a different company and a significant higher monthly payment. We contacted the new company PHH Mortgage - XXXX and requested clarification on what's happening with our increase mortgage cost since we are on a 30 year fixed. they proceeded to tell me the prior company had sent a financial review of the mortgage and the information sent indicated a significantly higher escrow amount ( annual tax and escrow acct balance ) than what I had just stated. They sent me a copy, within a week, of what the other company XXXX - XXXX had sent to them regarding our mortgage and they had significantly and fradulently quoted that our taxes were {$7200.00} when in actuality our taxes to be paid in 2021 are only {$5400.00} with the 1st install was paid on XXXX XX/XX/2021 of {$3500.00} by XXXX leaving only {$1800.00} due XXXX XXXX. As the result the new company Immediately began overcharging us {$1400.00} versus {$1100.00} with the prior company. At no time were we notified, by XXXX or any changes to our mortgage until we filed a complaint with XXXX and on XX/XX/2021 someone called to say that had sent us an update but couldn't document when or send us a copy. Our escrow needs to revised immediately and XXXX needs to be held accountable for fraudulent business practises. We have sent to PHH all the valid escrow tax and insurance date directly from XXXX COUNTY Illinois for the last 5 year period which document the actual taxes listed above. We have spoken to PHH over 5 times, sent all appropriate and requested documents, fax confirmations and this is still not taken care of. Since we have no recourse other than hiring an attorney ( too expensive ) we are placing our trust in your organization to hold one of both parties accountable. Since all the documents are hard copy I would be happy to fax, priority mail any and all copies that have been sent to PHH. Thank you in advance for yourhelp and consideration with this outrageous matter! Sincerely, XXXX XXXX XXXX XXXX...
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Cfpb, contacted those involved, offer was given to us, we accepted, signed docs and later were told before loan servicer merged with other entity we werent qualified, XXXX was requested and proper tier bracket., XXXX XXXXXXXX has been involved since 2018 and felt that I should have legal representation due to the fraud of XXXX XXXX XXXX XXXX said to represent me with securitization audit and quiet title action, her third party letter of authorization was included but when she was contacted, she stated she never had an office in XXXX XXXX XXXX and never heard of me or XXXX attorney services which was doing the work in XXXXXXXX XXXX XXXX XXXX XXXX, and is showing as an address I have as residence on credit report. Fraud was found by XXXX XXXX and XXXX was credited but effects of Wrong IRS amount XXXX and other put me wrong workout solution now merged with PHH. Conference call today scheduled today after furloughed due to XXXX and returning to work. A balloon payment was added after we were told we canceled the original XXXX offered. We did not cancel it. All is recorded by XXXX a approved HUD counseling agency. Needing to become current with XXXX gross income but IRS debt due from lack of represtation of XXXX not supplying the actual debt. XXXX legal was using XXXX attorney services while taking funds electronically out of by bank account. Other attorney foreclosure rescue scam for XXXX went to jail and left me hanging. XXXX XXXX and XXXX, fraudulent also
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A