Date Received: 2022-04-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been trying to get a loan modification for over XXXX yes with Phh mortgage. I have been submitting the requested documents and the underwriting dept continue to give me the run around like asking for documents that have already been submitted, stating I did not turn in documents by the due date and their representative states I did. On XXXX22 I received a letter stating that my application is complete then oXXXX XXXX-22 I receive a letter stating they needed a completed financial form. Makes no sense. Then I am asked to complete another application which I have done about XXXX times in the past 2 years. Very stressful unfair treatment. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27591
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I previously requested from the mortgage Servicer PHH Mortgage Services a complete escrow analysis and the servicer has not provided me the requested analysis and as to why my mortgage payments are increasing. I contacted the XXXX County Assessor 's office and was informed that the assessment on my property has not increased I then contacted my insurance company and they indicated that my policy had no increases. I sent a Qualified Written Request requesting a complete escrow analysis and the servicer has refused to provide me the reason for the increase on my mortgage payment. To this date the PHH Mortgage Services has not complied with my request dated XX/XX/2022 Titled Qualified Written Request for Information & property tax escrow analysis.
Company Response:
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After reviewing OCWEN account payment history, I have identified misappropriated funds totaling {$29000.00} that impacted/inflated the loan modification principle to {$200000.00}. The misappropriated funds occurred between XX/XX/XXXX thru XX/XX/XXXX. Included find OCWEN account payment history highlighting the misappropriated funds and a summary document for your review. In addition, documents filed by OCWEN with XXXX XXXX Register of Deeds. XXXX Document # XXXX XXXX Document # XXXX XXXX Document # XXXX XXXX Ocwen Loan Servicing LLC Home Affordable Modification Agreement executed. XXXX Document # XXXX XXXX XXXX XXXX Title Group Seller Closing Disclosure/Closing Statement XXXX OCWEN LOAN SERVICING LLC.is the present holder of a mortgage. XXXX XXXX the Vice President of PHH Mortgage Corporation Successor by Merger to Ocwen Loan Servicing LLC notarized. XXXX Document # XXXX
Company Response:
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for a loan modification for my home since XXXX and have been steadily denied help to avoid foreclosure. PHH Mortgage has constantly been denying my application for three years, stating that I have been missing documents or there have been problems with the mortgage title. They denied my loan modification after waiting a month for information on whether it had been approved or not. According to Civil Code section 2924.10, a servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. PHH Mortgage has not done that and has waited a month to deny my application, stating that I did not send in the correct documentation. In XXXX, I applied for a loan modification, and it was approved. I made the trial payments on time, and then a month later, I was denied saying that there was a problem with the mortgage title. I called and asked them what the problem was, and they told me I had a lien on my mortgage title, but they didn't know what the lien was for. I was reassured I could apply again, and it would be approved. I have been applying since XX/XX/XXXX for a loan modification. A month after I apply, I will get notified that I am missing documents. In XXXX, I applied AGAIN for another loan modification. It was approved, and I started making the trial payments for three months on time. Also, in XXXX, a valuation was done on the property showing the TITLE/LEGAL ISSUES box was checked off as NO. On XX/XX/XXXX, I received a letter saying that my loan modification was denied AGAIN because I didn't send in my living trust. I applied again, faxing my living trust and a new loan modification application. I got a letter two weeks later stating that I submitted all the required documentation and that no further documentation was needed. Today on XX/XX/XXXX, I got a letter stating that the loan modification was denied because I didn't meet the agreement. I called PHH Mortgage, and they stated that I didn't show them proof that the lien was taken off the mortgage title. They never asked for more documentation other than what I had given them, and they sent a letter stating that they had all the documentation. I feel like this company is not trying to help its customers. PHH Mortgage has been sued twice before this as well. I am now facing foreclosure, and I am devasted and stressed.
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage co transferred mortgage and has not paid the initial tax payment which we pay in to escrow. I am now receiving a foreclosure and lien on deed notice from my town.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My Mortgage is with a servicing company called XXXX Mortgage. My regular monthly payment is {$1300.00}. However, I have been making extra principal payments to try and pay my mortgage off early. My payment now due is {$450.00}. The website or automatic phone option will not allow me to make my final payment. They are requiring me to pay {$30.00} for a " payoff '' quote. My loan is now past due and I have no option to pay it. This in my opinion is abuse. I have not asked for a payoff, I simply wanted to make my payments until the note was paid off.
Company Response:
State: OK
Zip: 74701
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I did a Quitclaim deed on my old property and its showing up on my credit report as Derogatory and shows a XXXX XXXX. I didnt do this XXXX XXXX and I did mail a letter to the mortgage company. Its hurting my chances to buy a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a yearly analysis on my mortgage dated XX/XX/2022. On XX/XX/2022 I contacted XXXX mortgage aka XXXX Mortgage I spoke to XXXX as an on shore agent in the U. S. at XXXX PM. I told her I had a shortage as my home owners insurance had gone up ( prevalent in Florida ). That I would pay at the end of XX/XX/2022 the shortage and Beginning of XX/XX/2022. She noted the account ( or said she would ). I made my XXXX payment of {$660.00} and assumed all would be well. On XX/XX/XXXX I paid {$1300.00} toward my escrow shortages and an additional {$500.00} as I had stated I would on XX/XX/2022. When I went in to also make my regular payment of {$660.00} that was due on XX/XX/2022 I was alarmed to see the monthly payment was now {$800.00}. and change. I called on XX/XX/2022 inquiring about the note that was made on my account but did not receive a direct response to that, only that they person/s would recite what the payment was, escrow etc. Still not getting anywhere I asked for another escrow analysis. I was told that I would need to wait 7 to 10 days. I know how these companies work, especially these two combined companies. If I wait for them to do anything, my payment will come due and I will be paying even more money out and on top of it I will have a late payment. I called again today, supposedly speaking with an escrow XXXX escalation person named XXXX which was my third connection in a line of people today. He states that they can not change the escrow analysis that it is against the Federal Law... .Okay not believing that. He also states that if I wait until XX/XX/2022 he will send me an email letting me know if they will change my payment back to {$660.00}. I told him that if XXXX does not change back my payment to {$660.00} then I will pay my own home owners insurance going forward and they are to send me back {$3400.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). I still have XXXX weeks to get my payment in by XX/XX/2022. The current escrow which is as of this date {$3500.00} ( that leaves {$97.00} in my escrows ) and I will pay my own home owners insurance. They can keep collecting my taxes. What I would like is my payment to go back down to what it was as of XX/XX/2022 {$660.00} or lower if I am going to pay my own home owners insurance. They have more than enough money in the escrow account which is {$3500.00} this amount does not include my XXXX payment as of yet for escrow. Plus an additional XXXX more months through to XX/XX/2022. If my taxes are less than {$1200.00} a year and they are collecting in excess of this amount, they will have over collected. I can not get anyone to listen to what I am telling them. It is falling on deaf ears. Worst of all is my payment will not be made during the time I usually make it. Between the XXXX and the XXXX of the month.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have an XXXX [ rev.mortg. ] with PHH Mortgage Co. On XXXX I made a line of credit draw request of {$20000.00}. After about a week I started calling them asking where my funds were [ they were supposed to be wired to my XXXX checking acct. ]. I have called them every day for the past two weeks and getting a different answer every time. Three times I have asked to talk to a supervisor and was denied access to speaking to them. On XXXX I received XXXX wired to my XXXX acct., however I have been debited XXXX on my loan balance and have received only XXXX. I have contacted them on this discrepancy and have heard no concrete answers yet. Any help would be appreciated.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A