Date Received: 2022-03-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2022 PHH Mortgage accepted a wire transfer for a payoff of a mortgage. They are holding the money but have not applied it to the loan and are charging interest and late fees due to what they are alleging is an underpayment. I have spent 3 days trying to make a payment but can not get in touch with anyone to be able to apply a payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was in a forbearance plan due to the impact of COVID shutdown and income was lowered.Now the forbearance is up I wanted to start making payments again and mortgage company wants me to pay XXXX dollars up front and will not take any lower payments.I do not have XXXX upfront.
Company Response:
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I ask for a payoff quote I signed a shared Modifications in XXXX no in XXXX is another company and they are sayings I was not eligible for the modifications never received a letter saying I was in default they even wrote the debt off in XXXX it was ocwen now they are saying That I was late for month but one payment want to the principal and 10 years later now I was never elegible, but not one letter was sent to me, and that now is principle non interest, that not on the modifications, and why Im I still making dosificacin payment, please all this is not right,
Company Response:
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After the sale of our previous property ( XX/XX/XXXX ), my husband had issues obtaining a loan for his new vehicle due to the credit to debt ratio being high on his credit report. We logged into our experian accounts and saw that loan accounts, including the mortgage for the home we just sold were still showing as open and in good standing. We moved forward with disputing these accounts that same day. Unfortunately, on XX/XX/XXXX the PHH Mortgage loan dispute came back as still open and in good standing. I disputed the account again on the XXXX following the same process only to receive the same update on the XXXX. On the XX/XX/XXXX I filed yet again another disput but this time with a PDF containing screenshots from the online account showing the balance at {$0.00} with a message stating the account was paid in full and closed. Again, by XXXX the result was still that the account was still open and in good standing. I called both PHH Mortgage and XXXX to figure out what document I could provide to help my case. I was able to request a Paid in Full letter from PHH Mortgage which XXXX told me might help better than the screenshots I provided. By XX/XX/XXXX I received the documents and scanned them in to open another dispute to finally get this loan off mine and my husband 's credit report so we could move forward with securing a home loan which we have been holding off on doing in order to not run into the same issues as with my husbands auto loan. But on XX/XX/XXXX the results yet again came back as open and in good standing. I called PHH Mortgage but their customer service department was not able to connect me to the people in their credit department and the only response I received through their customer service after they reached out electronically to the credit department is that it takes time. But they did not answer why after I had disputed the account with documentation provided by PHH Mortgage was that department still telling XXXX the account is open when it so clearly is not. I expressed wanting to speak with a supervisor to escalate my complaint and after being on hold for almost XXXX mins I was hung up on. I feel that this is my only option to be able to get this issue corrected so that my family can finally move forward with securing a loan and a new home for us to live. With the state of the house marketing the longer we are forced to wait the worse our chances are as things become more and more expensive. I don't understand how a company who I no longer do business with has the power to hold me back from being able to find a home for my family but evidently it does. I really hope the CFPB can do something to help us. Thank you,
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am filing this complaint about PHH Mortgage ( Phone : XXXX, XXXX ) for holding escrow fund at their end and not paying for property taxes and keeps letting it delinquent after the due date ( XX/XX/XXXX ) for XXXX property taxes. After communicating with the company for several times over past several weeks, still no payment on taxes was made yet.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint Re : Consumer Complaint Division Comes Now, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX, first being duly affirmed, standing squarely, declared, and proclaim, upon Divine Law ; Natures Law ; Universal Laws ; International Laws ; Constitution Laws ; Declare and Declare to say : Introduction XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, PHH Mortgage Services XXXX XXXX : are the names of the companies that have been engaging in acts that are illegal, predatory, unfair, and deceptive are all violating federal fair lending laws. XXXX. It has come to my attention that you are involved in the attempted foreclosure on my property at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida [ XXXX ] where documented fraud has occurred. This is my Constructive Notice to you that I have discovered extensive fraud in regard to the mortgage and property taxes, transactions associated with it on certain real property as noted below. Statement of Facts 3. In mens rea, the intention or knowledge of wrongdoing that constitutes part of a crime, as opposed to the action or conduct of the accused, a mistaken belief in consent meant that the plaintiff/defendant/accused/ lacked mens rea. The county clerk is not meeting these requirements and other statutory requirements. We have noted the following findings, which are detailed in the subsequent findings : Complaint and Facts Law Firm : 4. Plaintiff refused full payment when it was offered, they are asking the court to require me to agree to : Unconscionable contract : This is if the contract offers a large amount of benefits to one party and almost none to the other. Essentially, an unconscionable contract is when one party takes advantage of the other. XXXX. On XX/XX/XXXX at XXXX pm I was email a hearing which was improperly notifying me of this date with a short notice only four days for a zoom hearing. So, I had to hurry and file some paperwork at the clerk of courts and no time to mail the paperwork to the attorneys. So I sent a process server to serve the paperwork to the attorney firm. And at that time ( RSA ) XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Attorney for the plaintiff told process server ( XXXX XXXX ) they no longer work for XXXXXXXX XXXX and refuse the paperwork. After this happen the hearing date was changed to a week later so I could be properly notice. XXXX Lie in the mouths of lawyers the concrete signification in quite unusual. They speak habitually of law, of the rules of law, of legal principles, but rarely of a law or of the laws. When they have occasion to express the concrete idea, they avoid the vague generic expression, and speak of some particular species of law a statute. Act of Parliament, by-law, or rule of court. The Law of Torts, AmJur pg., 30 XXXX. XXXX - XXXX are not allowed to write in facts their licensed to lie, and the syntax grammar is written in XXXX, XXXX. XXXX - XXXX, dont used prepositional phrases. Learn : No Facts Shall Be Tried in Court of Law. Speech knows that an adverb is negative. Facts : Verbs are negative words as they pertains to facts. Noteworthy : XXXX XXXX XXXX, by following the correct rules, liars dont speak, talk, or write in the t-Ruth. XXXX XXXX XXXX : 6. On the subject matter of verification for the payment of taxes on the said property known as : c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL. [ XXXX ] Ive resided at this location for ( XXXX ) years, and in recent times my rights have been violated by the Property XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im referencing on several instances, the tax payments records have been manipulated in the favor of XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ongoing litigation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has committed fraud against a senior adult in Filings My case documents I found as a pro se person and my name is XXXX XXXX XXXX XXXX the clerk of courts has filed all my documents under XXXX XXXX XXXX XXXX which is committing fraud against a senior adult. 8. You have hereby been legally notified of this fraud and your involvement, whether knowingly or unknowingly, and you therefore may make no future claim of a lack of knowledge of these criminal activities, and your participation therein, which could absolve you of liability or culpability. It is my intent to pursue any and all legal remedies against any and all participants regarding these fraudulent acts. The bonding companies of those involved will be notified of claims regarding the civil matters. Conduct yourself accordingly. Remedy and Conclusion 9. Im the secured party not seen or been presented with any admissible evidence which demonstrates that, primarily, the Bond to Discharge Debt is anything other than the main remedy provided by the Creator in XXXX XXXX to enable His People to be released from bondage and to serve Him in these end times as His special holy nation in direct fulfillment of the type and example provided by the Israelites when they were freed from XXXX, and believe that none exists. See : HOLDER IN DUE COURSE. A holder who has taken a bill of exchange ( check or note ) complete and regular on the face of it, under the following conditions, namely : ( a ) That he became the hold- er of it before it was overdue, and without notice that it had been previously dishonored, if such was the fact. ( b ) That he took the bill ( check or note ) in good faith and for value, and that at the time it was negotiated to him he had no notice of any defect in the title of the person who negotiated Uniform Negotiable Instrument Act, XXXX ; XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. The United States Constitution Article 1 Section 10 Clause 1 : the Obligations of Contracts Clause No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. Beware : Fraud vitiates ALL! Nothing from the beginning is real or lawful. It is all fraud. It is all fiction. It is all null and void! See : United States v. XXXX, ( XXXX XXXX XXXX XXXX Supreme Court XXXX ) that fraud vitiates everything. XXXX vitiates every thing, and a judgment equally with a contract ; that is, a judgment obtained directly by fraud, and not merely a judgment founded on a fraudulent instrument ; for, in general, the court will not go again into the merits of an action for the purpose of detecting and annulling the fraud.... Likewise, there are few exceptions to the rule that equity will not go behind the judgment to interpose in the cause itself, but only when there was some hindrance besides the negligence of the defendant, in presenting the defence in the legal action. There is an old case in South Carolina to the effect that fraud in obtaining a bill of sale would justify equitable interference as to the judgment obtained thereon. But I judge it stands almost or quite alone, and has no weight as a precedent. United States v. XXXX, Paragraph 16 Respectfully submitted on XXXX of XXXX XXXX Dated : XX/XX/XXXX By : XXXX, XXXX XXXX XXXX ] XXXX XXXX XXXX, XXXX, Beneficiary Affidavit XXXX XXXX XXXX XXXX XXXX United States Code XXXX XXXX XXXX See XXXX vs. XXXX XXXX XXXX XXXX Title XXXX, held affidavit sworn true and correct under penalty of perjury has full force of law and does not have to be verified by Notary Public to have same effect. Noteworthy : An unrebutted Affidavit stands and the law of the facts CERTIFICATE OF SERVICE The forgoing presentment ( XXXX ) was served upon the all parties herein, pertaining upon this matter, XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PHH Mortgage Services XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been dealing with this for about 4 months now. PHH mortage is prolonging my modification process. I have literally been sent over 6 packages, due to underwriting denying my application saying that my signature is incorrect. I have spent over {$300.00} getting all of these packages notarized. On the latest package sent I literally called the PHH representative who called her supervisor to make sure of how PHH wanted these documents signed. I signed then with the rep on the line and the notery there as well. I signed them verbatim per her the rep and her supervisor instructions. Still underwriting denied them stating that they are not signed correctly. They were due XX/XX/XXXX. Sent in well before that date. I am beyond frustrated.
Company Response:
State: TX
Zip: 77053
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXXXXXX XXXX XXXXXXXX financed my new house in XXXX, TN with the " Intention '' of servicing the mortgage themselves. Instead they sold the mortgage to PHH Mortgage. In and of itself, that is not an issue. The issue is that I made monthly payments and the XXXX payment seems to have not been recorded as paid. ( sold XX/XX/2021 ) I submitted the XXXX XXXX XXXX XXXX 30 days ago via fax and email indicating the payments had been made, but so far, PHH has not responded and are still showing me late for XXXX when in actuality, XXXX was made on time and they credited the money towards XXXX.
Company Response:
State: TN
Zip: 38301
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX My Father Died & On XX/XX/XXXX My Mother Died. My parents attorney listed the house into the news paper for 6 months & on XX/XX/XXXX, the House was tranferred into My husband 's & I Name! For 13 years, we never made payments because We was unaware of a house mortgage ; but as We fast foward to today ; XX/XX/XXXX we received a statement from Ocwen/PHH MORTGAGE COMPANY, claiming that We owe them {$230000.00} & We need to make mortgage payments of {$1100.00} beginning at XX/XX/XXXX for 40 years & then We have a Ballon payment of {$4300.00} at the end of 40 year & We're not to make early Payments & if we can't make full payments then We need to refinance? Mind U, the original loan they claim my mother got was {$150000.00} ** PHH, had a habit of calling all times of the days & nights even on their off hours : harassing Us & not wanting to work with Us or speak with Us, with a civil level.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This concerns our reverse mortgage and its sale to another company. We had a mortgage with XXXX XXXX. In XXXX of XXXX we were victims of XXXX storm in Texas. Our insurance payment was held by XXXX and distributed to us in increments based on progress of repairs to our home. We had inspection on XX/XX/XXXX but never received our payment. Upon questioning we were told it was in process. Then we receive letter stating our mortgage was sold to XXXX Mortgage as of XX/XX/XXXX. XXXX wont talk to us saying they have no records until all records are transferred. We ask for supervisor but told one would call in XXXX hours. Nothing! We have been told this process this could take 30 days which is nonsense. These records are digital. I am also sure we will get continued run around for another inspection and an additional time to process check! In the meantime we need to pay our contractor and his subs. This will reflect on our credit reputation, liens and possibly no place to live if our house is unfinished and our apartment lease is up. The remaining insurance pay out is over {$44000.00}. Please advise us of any assistance you can provide
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A