Date Received: 2022-01-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am the personal representative of my sister 's estate. When preparing to sell her home I discovered that PHH Mortgage had been charging her for insurance that was already being paid by her homeowners association. PHH Mortgage has since closed the mortgage with the home sale but has not refunded the overcharges for unnecessary insurance.
Company Response:
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/22 I was denied the right to continue in the loan process for a mortgage because the title to my home shows I am the rightful owner. Because of creative and fraudulent activity my home was stolen from me. Previously submitted complaints. County records state US and received XXXX for my home. XXXX XXXX I had a principal balance of XXXX. Almost 10 years later almost XXXX tacked on and principal not reduced despite making payments and write offs from Litton Loan and Ocwen. I want the release of title and satisfaction of lien recorded with the county.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I completed my trial payments for modification with Ocwen. After completing the modification and approval process I called for the pay off. I lived out of the state of Georgia and hired a real state broker. Due to fraudulent activities the sale did not go through. Ocwen/PHH and or XXXX XXXX foreclosed without notifying me. I now have in possession copies of fraudulent documents stating I sold the home, stating I lived in the Midwest and was notified of a foreclosure despite not being behind. Because the home was sold and I was denied a loan on XX/XX/22 because of my previous home XXXX XXXX XXXX XXXX GA XXXX I am asking for the satisfaction and release of title ASAP. The documents loaded in the countys website show creative fraud in securing my property.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/2020 my husband and I XXXX a XXXX XXXX but had to have it dismissed because during Covid we missed a couple of payments. We voluntarily had it dismissed so when we were able we could refile. We continued to send our mortgage payments but phh kept returning them to us. So eventually I stopped sending them and concentrated on paying off our electric bill that had ballooned because of Covid and having everyone home with remote learning. We are trying to get a repayment plan because of Covid. But they refused us and now have an appeal in process. This week we received a notice that our homeowners insurance will be cancelled on XX/XX/XXXX. Because of phh. We wouldnt have this problem if they accepted our mortgage payment. We have foster children living here so everything needs to be in order. Thankfully both my husband and my employers has raised our salaries and would like to be able to pay our mortgage and pay extra monthly towards whats owed.
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX To whomever oversees, Banks Mortgagers and their Servicers, listen to my plight. I have lived in my home, address above since XXXX. I have maintained and made substantial improvements to my property during this time. A foreclosure sale against the previous owner XXXX XXXX was completed in XXXX. The new owner becoming XXXX XXXX Bank XXXX. As trustee. I have since XXXX made numerous offers to settle The lien at 80 % of the foreclosed amount on my property, to no avail. About 3 years ago, I stumbled onto a XXXX XXXX Bank phone number that had records on my property. I was informed by personal, that XXXX XXXX Bank XXXX. Had sold a block of interest which included my property, to Ocwen, the company that had been the servicer of the property perviously. After extensive research. I learned that Ocwen, has failed to complete the necessary and/or any of the documents that would transfer title from XXXX XXXX Bank XXXX to Owen. I have made numerous calls to XXXX XXXX Bank XXXX. Executive branch recovery Department, informing them of Ocwens failure to transfer title, needed maintenance of my property which requires permits, and, my foundation which is in major disrepair following the damages from hurricane IDA. By law they are required to fix this issues. But, refuse. I have included copies from CFPB in which XXXX XXXX Bank, replied they have nothing to do with my property. County land records showing XXXX XXXX Bank is the recorded owner. I have letters from same law firm, with 3 different attorneys stating, they have been retained by XXXX XXXX Bank. However, 2 years later, same law firm now stating they are attorney in fact for PHH Mortgage Corporation, for XXXX XXXX Bank, XXXX, As Trustee for XXXX Mortgage Loan Trust XXXX, Mortgage -pass Though Certificates, Series XXXX. Copies included. I also, have a pending appellate action. I am reaching out to Government agencys In hopes of opening their eyes, and realizing the fraudulent activities of Ocwen, PHH Mortgage Corporation, and prey they be held accountable for their lackadaisical record keeping, and loopholing ways, that have the Banks continuing to pay the property insurance, and property taxes on homes they no longer own. XXXX XXXX XXXX, Asset-Backed Certificates, Structured Asset Securities , Amortizing Residential Collateral Trust. Are, but a few entities that have been used to secure interest in my property and many others. I am a vested stock holder. And, have carefully scrutinized my portfolio, to make sure my investments are safe from these predators. These are publicly traded stocks, and laws are being ignored. So not only am I being taken advantage of, there are hundreds of investors that have no idea their losing monies daily. Which begs the question, how many are facing the same obstacles as I? And, whos paying the attorneys fees? And, why is the property insurance inaccessible to fix my homes issues. Where is the accountability? and over-site? In XXXX we, the tax payers bailed out big banks with millions of dollars to prevent them from going under. So, not only are the tax payers not being repaid. Companies like Ocwen and PHH Cooperation are double dipping, making millions. Whilst, I continue to defend myself against being unlawfully evicted from my home. These companies continuing to refuse monies being offered to settle these matters. I prey my language is plain enough for those that can help, understand the nightmare Ive been enduring. Respectfully yours, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The PHH case manager did not call me as promised this morning for our XXXX AM appointment, another representative called me. The representative informed me she was calling to go over my foreclosure. I got over 300 hundred thousand equity, why would I want to foreclose I asked her, no answer. That substitute representative did not know her job and did not know how to count months the same as others of PHH. The unskilled representative had to put me on hold to seek guidance. Unskilled persons should never be put into such positions of responsibility that so greatly affects peoples lives. The call was not to go over any foreclosure, it was to go over my forbearance plan and put all amounts at the end of the loan. The statement about calling me to go over my foreclosure that was made today by the PHH Mortgage representative proved to me the unlawful plan to steal my home without regards to my rights under the forbearance plan. That representative this morning formally refused my entitlement of the remaining 6 months forbearance to be placed at the end of the loan. The representative was not able to explain the XXXX and XXXX month extra forbearance. The representative also told me the first 7 months of my forbearance was placed at the end of the loan, I corrected her telling her it was the first 12 months that was placed at the end of the loan. The representative refused to explain why my remaining forbearance is not being placed at the end of the Fannie Mae loan. The representative couldnt explain why Im being required to complete a packet for housing assistance when the PHH website, Fannie Mae and the feds say I am not required to complete any such application for housing assistance. I dont want any housing assistance, all I want is all the forbearance amounts to be placed at the end of the loan. Todays PHH representative informed me a mortgage assistance application must be completed for any requests of the forbearance amounts to be placed at the end of the loan. I asked her ; then why does the PHH website says the housing assistance application is not required to put the forbearance amounts at the end of the loan. And, why was the first 12 months already placed at the end of the loan with only a simple phone call, I didnt receive any answers. I believe a major issue is PHH approving an extra two months forbearance because they do not know how to count months as they have demonstrated many times. The extra two months is whats causing the problem. Nobody of PHH has been able to explain its math to me. The other major issue is XXXX elderly abuse. I was not expected to survive XXXX with my XXXX XXXX XXXX XXXX, I unexpectedly lost XXXX pounds. My speaking ability was greatly diminished, PHH knew how ill I was. Did PHH take advantage of me believing I wouldnt survive? Again, PHH is refusing to accept my monthly mortgage payment insisting I must first pay 7 months forbearance that was due XX/XX/2022. Why 7 months? Why not 6 or 8 months? During another phone call with a PHH representative, I was told the investors disapproved my forbearance to be placed at the end of the loan. WHO ARE THE INVESTORS PHH representatives speak of? Who of the investors disapproved me and why? Under what authority was my last 6 months of the forbearance amount disapproved to be placed at the end of the loan? Why am I being required to complete a mortgage assistance application when Im not required to complete any such application and I dont want any such assistance? Why is PHH requiring me to now wait 30 days before I will know what you are doing with my mortgage? Did PHH close out my forbearance plan to early and now its a problem for PHH? All I want is what Im entitled to, why wont PHH make that happen?
Company Response:
State: WA
Zip: 98498
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Closing the house found out. There is a lien on the house for {$55000.00}. We communicated with the lender says this account been inactive seen XXXX. Also I found 1099-c debt discharge of the amount of {$55000.00}. Lender want me to payout the 2nd loan plus interest and late fee that I have no knowledge of the 2nd loan. We sent all the document to the lender my bankruptcy and the 1099-c discharge. We been trying almost every another day to resolve this issue. My final day to close is Friday XX/XX/XXXX. I need help
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Here is a random look at the mortgage transactions for the past year XXXX : - XXXX. On XX/XX/XXXX on their website it indicated there were 8 fewer payments with 85 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. Unfortunately I did not take a screen shot of their website! 2. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 83 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. 3. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 82 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 4. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 81 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 5. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 80 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 6. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 78 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 7. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 74 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. Why is it that the number of few payments keep changing up and down from 8 to 4 then 3 and then to 4 and again to 3? The pay off dates keep changing erratically! Where is the extra principal being paid going? This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. Can you really dispute this? Certainly the records show unworthiness, deceit, misrepresentation, bad faith, or dishonesty.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Escrow Errors : Based on the escrow analysis dated on XX/XX/XXXX, my monthly payment will increase from {$2400.00} to {$3100.00} due to an increased in both escrow amount and anticipated shortage, with the total amount of anticipated payment increasing from approximately $ 8000/year to $ 16000/year on a property with a value of approximately {$300000.00}. Upon review of the breakdown, I noticed that the anticipated escrow amount is erroneous due to duplicated annual property tax. I have contacted customer service since XXXX multiple times via phone and email regarding the issue, and was advised by various customer service agents with various information without an outcome. I have been instructed to email then fax the related tax information to the company without confirmation of receiving as of XX/XX/XXXX. In fact, none of the agents were able to understand from their own system where my status of escrow analysis is, and whether the provided property tax records were received. I was informed that their escrow department does not have an email or phone number and all communication must go through regular mail or fax. I have received multiple letters from the company regarding the increase in monthly statement to {$3100.00} without any information on either acknowledgement or any correction effort of the erroneous escrow estimate, and my account as XX/XX/XXXX still displays {$3100.00} as payment due on XX/XX/XXXX. It is worth noting that writing to the company regarding any account error, although indicated as the only method to contact the company regarding this issue on the monthly payment, was never mentioned by any of the agents as a " must '' or even a solution, and I was repeatedly discouraged from frequent follow-up and advised just to wait. It is very unclear with this type of system setup how this company is able to comply with 12 C.F.R. 1024.35.
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I been trying to Cancel PMI based on Appraisal since XX/XX/2021, Multiple contacts to the Company and refusing to grant me an appraisal, filed multiple complaints to the company, they instead on XXXX which is not the only way to canceling PMI
Company Response:
State: CA
Zip: 91384
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A