Date Received: 2022-03-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: So started when I began to notice the charges of late fees even though I was already paid ahead, and I was not late on my payments. This brought up the issue that they were improperly/not applying my extra payment to my principal. It also brought up the issue that when I had my insurance rate on my escrow lowered by about half which they did not make the changes, nor did they credit me. Besides that, fact between the stimulus/grants /other government programs I should have another {$10000.00} that has been credited. Which I received notification from the US government and the company that I would be getting these credits. Which I did not get credited to my account. While this was going on I was looking to change to a VA mortgage which I have not been able to because of the XXXX they are doing. I extremely hard time contacting the company. This company is embezzling my money that have put towards my mortgage they said my mortgage was {$100000.00} when it should have been at {$86000.00}. This company began to refuse my payments and then sold off my mortgage to another company. When I did my contract originally which involve a lawyer and court, I had the removal of selling my contract to another company without court order or my approval. This company is now violated the contract and is also committed identity theft. Which these charges are in the process of being filed. This company is also been identified as the company who sold off personal and confidential information to other mortgage companies which now I received numerous calls a day from. I still have the payment that are missing which I have not been able to make because the company refusal to take them.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX, and I am the Estate Administrator for my deceased mother, XXXX XXXX XXXX. When my mom passed, I found out she had a reverse mortgage with PHH Mortgage. With an Estate Attorney in place, we were told we could sell the home. The home has been on the market and under contract since XX/XX/XXXX with an original close date of XX/XX/XXXX. Since early XXXX I have called PHH to simply get a payoff. From day one I have filled out all their paperwork to get this information. After a few weeks of not getting the payoff I had the closing attorney to call for payoff. PHH refused to talk with the attorney. Since then I have gotten my Realtor involved, XXXX XXXX, of which PHH has refused to speak with her even though I have given permission for PHH to talk with her. XXXX and myself have call 30+ times, sometime several times a day only to be jerked around and given one excuse after another as to why they wont send us a payoff. PHH is a scamming company, and we believe they want to push us further out so they can foreclose on the property. We are simply asking for a payoff, they home has a buyer but we can not close without a payoff amount. PHH has been anything but helpful, again excuse after excuse. We can not get them to give a payoff and we need help, fast! Please and thank you. Ski # XXXX last 4 of ss # XXXX and address XXXX XXXX XXXX XXXX, XXXX, NC XXXX PHH contact # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am writing this complaint in hopes the CFPB will step in and look at illegal activities being performed with my mortgage servicer PHH and XXXX XXXX as the investor. I have been applying for mortgage assistance since XX/XX/2018 and have applied numerous times for mortgage help. Each time I submit all required documents PHH denies my loan each time for different reason all along having foreclosure dates on my home while I'm applying for assistance which by CFPB regulations this is in violation of Dual Tracking Laws. I have asked PHH to consider my good faith payment of {$5000.00} towards the delinquency as good faith on my side trying to preserve my home but they ignore my cries for help. I have lost my husband and have struggled to maintain current. But now my financial income is stable and I'm able to afford my mortgage payment even if my mortgage payments go up I just need help with my loan. When I applied for help and they denied me they didn't tell me the exact reason for denial and did not provide me any other option to save my home. Please help me to save my piece of the American pie, my home.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: see attached email from XXXX addressing the base and re-levies tax amounts Dear XXXX : It was nice talking to you again today.. We appreciate the opportunity to address your questions and concerns. The mortgage company provided us with more information. The legal they provided describes tax id XXXX ( aka XXXX XXXX ). Our system has been updated with this tax id for future reporting. We also provided the below information to the lender asking them to address this issue right away. There are the following delinquencies for tax id XXXX ( aka XXXX XXXX ) : XXXX town XXXX. Total good thru XX/XX/XXXX is XXXX This XXXX XXXX bill included the following re-levies : XXXX XXXX base XXXX. XXXX XXXX XXXX XXXX base XXXX. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are derogatory remarks on my three credit reports as reported by phh from XX/XX/XXXX to XX/XX/XXXX. This property was taken by the state of new jersey, court order attached in XXXX and i have a contract signed with phh so those months being late is INCORRECT. Yet another mistake that this terrible company refuses to fix. Class action lawsuit
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I asked PHH Mortgage company several times for my year end interest statement so I can do my taxes. They told me they do not generate one. I was just transferred to them in XXXX from XXXX XXXX ( XXXX ) who also did not send me one. I can not do my taxes without knowing how much interest I paid to each of them. This is not legal! I have received those figures in the past. What is the big problem? Are they not reporting it to the IRS? They answer I get when I requested is '' we do not do that '' So what do they do? Charge exorbitant interest rates and leave the consumer hanging? Why could I get it in the past? I have had this mortgage since XXXX and never a problem until XXXX. Can you please help me get this info prior to XX/XX/XXXX when I am required to file?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I originally called PHH Mortgage on XX/XX/22 asking them to begin the process of removing my PMI. They told me that day documents will be mailed and to expect 7-10 days. Fourteen days later, I had not received so I called them and sent an email. They said it had not been mailed but the documents would be expedited and I should receive in 5 days. In the meantime, I received reply to my email saying the removal process had began and should be completed by XXXX. I replied that I had not received the documents so how could the process have been started. I waited the 3 additional days and still had not received the documents. So they escalated and said I should have in a week and they would call to follow up. Still they called me last Thursday and said it still had not been mailed and it had been escalated to her boss. I had talked with XXXX and we also had a couple emails back and forth. She told me should would call me on Friday. They are no longer returning my calls. The documents still have not been mailed. I sent a letter to them on XXXX last week with tracking. In the letter I made a formal request for the documents. I feel they have no intentions of working with me to remove my PMI. It's been well over a month and they have not put the documents in the mail to me. They are costing me money and I do not trust them. I hope they are not doing this to others. Can you please hold them accountable?
Company Response:
State: TN
Zip: 37174
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: since XX/XX/2020 i been fighting this mortgage to be removed from my credit report and they refused this mortgage do not belong to me. please see attached policy report
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am attempting to secure a mortgage after the fraudulent foreclosure in the XXXX XXXX Georgia records.I need the Litton Loan mortgage transfer documents from Ocwen/PHH and XXXX have failed to provide those documents on numerous occasions. I need the notice from Litton regarding the new servicer Ocwen and effective date. I need a copy of the letter Ocwen sent our regarding their servicing of my mortgage loan from Litton, to include the amount of loan balance and contractual obligations.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have paid my mortgage payment, XXXX XXXX XXXX on XXXX XXXX since XXXX when I purchased the property. County taxes were received XXXX XXXX from the closing in XXXX. The mortgage company failed to send XXXX taxes to county.. A lien was placed on the property and then sold. The end of redemption is XX/XX/XXXX. The county taxes have been escrowed, however, the mortgage company have neglected to pay the taxes to the county Or attempt to resolve this issue in a timely fashion. When calling the mortgage company they transfer me to the escalation department. They tell me the tax department is taken care of this. And 14 months of me calling weekly, nothing has been done. And now we risk losing our home to a tax lien at no fault of our own. We need help!
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A