Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed several complaints about Ocwen Loan Servicing about inaccuracies they have reported to the credit bureau. They removed it after I filed several disputes, However it has returned on my credit report on XX/XX/XXXX causing me to drop 40 points. I was told by a PHH representative that It has been reported that on XXXX of XXXX I was 30 dats past due during a transitional period when my loan was transferred from Ocwen to PHH. I have pulled my credit report and it only shows I was late in XXXX & XXXX of XXXX. I have researched my payment history with my bank and found 1 payments that appears to be made in XXXX and 2 in XXXX that verifies I was on time. I have attached the proof documents to this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed several complaints about Ocwen Loan Servicing about inaccuracies they have reported to the credit bureau. They removed it after I filed several disputes, However it has returned on my credit report on XX/XX/XXXX causing me to drop 40 points. I was told by a PHH representative that It has been reported that on XXXX of XXXX I was XXXX dats past due during a transitional period when my loan was transferred from Ocwen to PHH. I have pulled my credit report and it only shows I was late in XXXX & XXXX of XXXX. I have researched my payment history with my bank and found XXXX payments that appears to be made in XXXX and XXXX in XXXX that verifies I was on time. I have attached the proof documents to this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I divorced XXXX XXXX in XXXX and in the Divorce Decree it listed a property at XXXX XXXX XXXX , XXXX XXXX TX XXXX as her having sole possession and me giving up all rights. I have not received any bills, letters, or notices about this property in the last 9 years as XXXX XXXX was awarded the property. XXXX XXXX past in XXXX of XXXX. I did not find out until I visited with a mortgage lender about getting a loan to purchase a home for myself. That's when I found out that the the property on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX serviced by PHH Mortgage listed my name as the primary borrower and the XXXX XXXX never refinanced the property as required by law. I have contacted PHH mortgage to see if the house can be removed from my credit report as I no longer owned the rights to the property. PHH mortgage advised me that due to me being the primary borrower they could not remove me per the mortgage agreement and that they do not honor divorce decrees.They did mention that if I want the late payment reporting to stop I could refinance the property and they would move all overdue payments to the back end of the loan. I told them this is not an option as I have no rights to the property which also keeps me from selling the property. I also asked them why they did not notify me that the account was derogatory and that they were reporting as such on my credit report. Federal Law requires them to contact me before reporting negative information. They did not notify me nor did they give me an answer as to why they never sent me any information, documentation or notify me the last 9 years. Since XXXX XXXX 's passing in XXXX, her daughter XXXX XXXX XXXX and her husband have been living at the property and have not made any payments since XXXX XXXX passing. The daughter, XXXX XXXX XXXX has been attempting to refinance the property into her name and did a loan modification in XXXX since her mother XXXX XXXX willed it to her without my knowledge of any of it until recently as I was attempting to secure my own mortgage. I have sent PHH three letters explaining this to them and asking them to remove the account from my credit report since I have no legal rights to the property. PHH only responded one time, under a different mortgage companies name of " XXXX '' with a computer generated form letter that did not address the issue. I asked for documents pertaining to the loan and they will not send them. I then hired XXXX XXXX, Attorney at Law who sent a letter of intent which PHH never responded to. I then contacted the XXXX XXXX courthouse to see if the order of the property awarded to XXXX XXXX can be reversed but they can not change the decree since she is passed away. Now, PHH Mortgage is ignoring our letters, and requests for documentation, or helping us find a solution to this issue. They are still reporting this mortgage that I have no rights to on my credit report. The property is about to foreclose because they will not work with the owner and occupant of the house, XXXX XXXX who wants to finance the house in her name and make payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Lender Name : PHH Mortgage services XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Previous Lender : XXXX XXXX XXXX XXXX XXXX I am being charged an additional {$2400.00} per year or XXXX cents per month on my escrow account. My total escrow expense for the year is XXXX I am being charged XXXX per year. I have called and talked to them AT LEAST 7 times. I have sent over proof of my homeowners insurance and taxes to this current year. Yet they refuse to tell me why they need the additional funds above and beyond the cost of taxes and insurance. I have requested a escrow account analysis, I have also requested that I pay my own taxes and insurance they have told me that isn't possible and I MUST pay THEM for this and I can not pay on my own ( I know this is a lie ). When a legal matter was threatened my loan was transferred to their sister company. I STILL have the same issue with this new lender ( same place different name ) and they tell me they have no record of past dealings and that I must ay them. They are asking for an additional {$72000.00} over the life of the loan and are refusing to tell me why or what its for. Also in the year 2021 they FAILED to pay my home owners insurance on time, I had to go down there and make a payment myself out of my own bank account to keep the home insured. They paid the insurance on XXXX the payment is due on XXXX, I was charged late fees that they refused to pay and I was out of pocket the cash in the mean time and I had to pay the late fees! THIS PLACE IS A SCAM SOMETHING NEEDS TO BE DONE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mortgage modification was approved and executed. Contact maintained through email and telephone. First two payments accepted and deposited. When final trial payment was made on time the payment was returned. I am concerned that this has put me past the XX/XX/XXXX final due date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The company randomly raised my mortgage from {$980.00} a month to over {$1000.00} a month. One employee said there was a tax increase, but no one else could see that information. After 6 -7 months of arguing with the company, they lowered it. But we fell behind trying to keep up with our day to day expenses. I have submitted multiple loan modification requests. I have mailed them, faxed them, and emailed them. Yet they regularly call me during working hours.. when I've answered the phone, most of the calls were dead air calls ( no one was speaking ). If there was someone there, I advised them ( not always in the nicest mannor ) that there were violating the FDCPA by calling me during known work hours. Their response was " we have no control over who gets called when. We use an automatic dialing system. '' The company constantly said that they didn't receive any of them. I submitted my last modification request, requesting to basically restart the mortgage at the {$980.00} monthly payment, but didn't hear a word about it, then received a foreclosure notice in the
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CFPB Complaint # XXXX RE : Loan # XXXX - Unsatisfactory CFPB & PHH Mortgage Servicing Legal Counsel Response : 1. This Consumer Complainant /Mortgage Holder initiated compliant in XX/XX/ due to serious errors in Escrow Account - negatively impacting mortgage statement and upon financial interests of Senior Mortgagee on fixed budget - with consequent PHH publishing of " erroneous '' Statements of default and other un-nerving Notices - having both credit ; financial ; and emotional negative results. 2. Compliant was sent with formal legal documentation - " proving '' : A. both account errors and source of mistakes due to PHH " overseas '' Escrow Accounting Dept. using erroneous data and highlighting errors as per actual real estate taxes used to determine " correct '' and " actual '' taxes. B. In essence - rather than to correct such as required under RESPA - PHH choose [ in following practices of parent company Ocwen ] to continue to " arbitrarily '' not just continue to issue " false '' statements - but to raise monthly mortgage and charge additional " unqualified '' assessments. C. PHH further instituted " new '' policy in XXXX XXXX by " prematurely '' publishing & sending out early monthly mortgage statements ( supposedly due to PHH company " bi-cameral structure '' ) which not only did not properly reflect " prior month '' mortgage payment ; but included other " misleading and false '' statement data. Hence, the Statements were neither " current '' nor " correct ''. 3. Despite again sending, " third party '' official financial institution records as proof of payment " on time '' and other documentation noting errors - PHH and then PHH " outside '' legal Counsel - would answer by sending " general " answer that company is in compliance and including " invalid '' and " erroneous '' PHH Escrow and Statement data as supporting material - but which had been previously " challenged '' and " proven '' to be wrong and on record with proof, thereof - rather than " address '' and reply to those specific Compliant issues. This continues and CFPB further " accepted '' such response from PHH/Counsel WITHOUT investigation and/or review as to validity of response ; and/or as properly addressing " core Compliant issues '' as required and demanded - under both RESPA and provisions/purpose of U.S. Dodd-Frank Act - as well as ignoring facts/history of national Compliant litigation against parent company Ocwen, ( and reason for necessary name change ) ; and pursuant to Ocwen National Settlement Agreement which legally required " instituting '' changes ; reform ; and restitution for such " cumulative '' mortgage consumer abusive and " unfair '' practices - as well as to " settle '' nationwide Class Action Legal cases versus both Ocwen and investor XXXX XXXX - and whereby, both legal cases and law have been previously cited by this Senior/Veteran Complainant. 4, Thus, neither PHH nor CFPB offers Consumer Complainant/Homeowner any " real '' and/or 'substantive '' relief and " correction '' of unacceptable mortgage practices ; nor relief under the applicable Federal and State statutes as his right ; and " intent '' of Congress in passing such legislation. Accordingly, neither CFPB practice of " closing '' a compliant case " prior '' the Consumer having the opportunity to review such appears " counter productive '' and waste of the U.S. Tax Payers money - as really serves no " assisting '' purpose as envisioned by the Legislative Framers to " investigate '' Complaints to determine just not " compliance '' to the Law but to further determine how " wide spread '' such possible abuses extend ; and to whom is most affected - but not in any way extending " individual '' legal assistance to those Complainants. However, CFPB notice of " case closed '' without comment - does little to enforce the law and/or to increase U.S. public confidence in the CFPB mission - as attested by millions of U.S. citizens that lost their homes in the Great Recession and now in the Covid-19 Pandemic. In fact, had CFPB senior management previously taken a more " hand on '' policy to enforce both RESPA and Consumer Law before " glaring '' national and repeated episodes of Mortgage company abuses - a significant number of deserving American homeowners could have perhaps " averted '' their homes and self security - as a threst in this instant case. Therefore, CFPB and PHH actions/response is unacceptable and unsatisfactory. XXXX XXXX XXXX, Consumer Complainant
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX received letter from State of California, Chief Deputy Attorney General, XXXX XXXX, who received complaint regarding PHH Mortgage practices disputing Loan Balance and Partial Claims. XX/XX/XXXX received letter requesting additional time to complete review of Loan Balance and Partial Claims Dispute. XX/XX/XXXX received letter stating an error was made with XX/XX/XXXX loan modification. The principal amount was {$21000.00} more and was obligated to sign a a Subordinate Deed of Trust for {$21000.00} therefore being double charged! Also advised all payments from XXXX need to be applied! And advised {$61000.00} ( {$40000.00} + {$21000.00} ) will still be owed to HUD!!! XX/XX/XXXX PHH reported correct Loan Balance amount of {$140000.00} to all credit agencies : XXXX XXXX and XXXX. XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. XX/XX/XXXX received letter states all payments received since XXXX loan modification have been reapplied and the unpaid principal balance for this account is {$170000.00} as of XX/XX/XXXX. {$300.00} of outstanding late fees on the account, but they have been waived due to the re application delay. XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. XX/XX/XXXX Received a letter stating unpaid principal balance is {$170000.00} and HUD Lien for {$40000.00} and {$21000.00} still remain due!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2021 I closed on a house with XXXX XXXX. On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX sent me a letter regarding the transferring of my loan to PHH Mortgage Services. PHH Mortgage sent me 1solitary coupon for the 1st payment which I received on XX/XX/2021. On XX/XX/2021 I wrote out a check in the amount of {$880.00}, the amount stipulated, dated for the XXXX of XXXX, when my first payment was due, and I sent it out to PHH Mortgage along with the 1 coupon I was given. By XX/XX/2021 I began calling PHH Mortgage Services to inquire if they had received my check. They refused to answer my question. They would respond by saying, I should go on-line to pay. It wasn't until XX/XX/2021 when I received a letter from PHH Mortgage Services telling me they were sending me the copy of my check because they had 'destroyed ' the original. The reason given was they don't accept post dated checks. I tried reasoning with them on the phone and their response was that I should go online. So feeling defeated, I tried going online. However, before allowing me to pay online at XXXX, I had to check off their agreement terms and conditions box. After reading the lengthy stipulations, especially the one having to do with my taxes, I decided I would not be agreeing to their terms for online service. So, because of that I can't pay online. So if I can't pay my mortgage by mail because they refuse to provide me with coupons, and I can't pay online because I don't agree to their terms and conditions, then chances are I will never be able to pay my mortgage and in my opinion, that is exactly what they are waiting for. Please help me!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I need help getting my lender to stop my foreclosure and allow me some time to settle my loan. I fell behind on my payments about 4 years ago after my husband left me with. He was the only source of income I had. I did not have a job at the time and I have struggled ever since to keep up with all of my bills, not just my mortgage. I can barely keep food in my refrigerator some months and I've had to ask for money from my adult children just to get by. If my home forecloses, it would leave me with nothing, I won't even be able to rent a home if something like that were to go against my already poor credit. I am working on a short sale with the mortgage servicer and someone has made an offer on the home but the lender does not want to give me enough time to get through the process. I spent years not knowing what to do with this burden and I feel like now that I am actually trying to rectify this, PHH does not want to give me any grace. I am pleading for extra time to work through this, I have sent all of the documents required of me for the short sale and just need an extra month or two. My home foreclosing would add insult to injury at a time like this for me. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A