Date Received: 2022-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The company is PHH Mortgage. whom it may concern : When I first refinanced my home and switched to this company I called and spoke with someone on the phone about making my first payment and setting up autodraft. I gave permission to the man on the phone for the company to contact me via phone call, txt, and email. In XXXX I noticed the auto draft was not set up properly like I requested by phone when I first switched to this company. The money did not come out of my account. I called my lender and he suggested I downloaded the app. I went in the app to set up autodraft manually. It prompted me to make a payment bringing my account up to date before it would let me set up the autodraft. I did that, then set up the autodraft. I did not think I needed to go back and check this every month. That's why I set up the autodraft. Before I refinanced this house I have never had a late payment on my mortgage. I have all of my other bills set on autodraft as well for this reason. I have never had a late payment for anything else either. I have been recieving notifications from my XXXX app about my excellent payment history every month so I never thought anything of it. I believed the mortgage company was receiving payment automatically like I instructed. I never received a late notice or a 30 day late notice on my mortgage. Just a 60 day late notice directly from the XXXX app. I checked with my bank and they are showing where the mortgage company checked to make sure it was a good account on XXXX XXXX. That is all I am seeing but I know it made me make a payment before it gave me the option to set up autodraft. This is extremely disheartening. I am in the process of buying a bigger home for me and my XXXX XXXX. As a XXXX mom that is running a full time XXXX XXXX XXXX and raising these children on my own without any financial help this is detrimental to all of the progress I have made over the past 5 years. I can't even put into words how hard I work and how hectic my days are. Autodraft is a necessity for me. I wish I would have recieved some type of notification immediately if there was an issue with my account. If it is 1 day late that is a major problem to me. If I do not get this taken off of my credit report asap I will lose the home I am under contract for. It would set me back another 2 years before I could even attempt to purchase a home again. My children really need the space this new home will provide. I will do whatever I need to do to fix this situation. I can make 4 payments immediately if that would help anything. I am pre-approved for a mortgage 4 times the amount of this one. I planned on keeping this note and making our current residence that is too small for us a rental. What I am requesting is for you to remove the delinquency from my credit report immediately and a letter from the mortgage company stating it has been removed. For someone to make sure my autodraft is set up correctly ( I went back into the app and attempted again to set it up ), and to make sure that I am current on my payments. Money is not an issue. I need someone to double check that they have on file permission to contact me by phone, txt, or email if there is ever any issues! I wholeheartedly feel this was a system error or an error on their side in general. I am reliable, consistent, and spend every waking day doing nothing but helping other people. Today I am the one who needs help. I called and spoke to 2 different people yesterday XX/XX/2022 for over and hr. The only help they offered was that I fax my issue in for review. They didn't offer to help me make a payment by phone to bring my balance current. They didn't offer to help me make sure my autodraft was currently set up correctly. I need this taken off my credit report immediately. I need a letter stating it was taken off for me to give to my lender. I need someone to make sure my balance is caught up and autodraft is set up correctly.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX my Reverse Mortgage servicing was moved from the PHH Mortgage Company office in XXXXXXXX XXXX to their office in XXXX XXXX XXXX FL. On XX/XX/XXXX I faxed a Line of Credit Draw Request Form to the Michigan office ( XXXX ) and to the XXXX XXXX XXXX office ( XXXX ). When I did not receive the funds I called the Michigan office and was referred too the Florida office. I called the Florida office three times, waiting on line, and pressing buttons until I reached a human being. Each time I was assured the fund would arrive, each time nothing happened. I finally called PHH Mortgage Customer Service ( XXXX ) and learned that my mortgage number ( XXXX ) had been changed with no one notifying me ( new # XXXX ). So far, despite the efforts of the very nice person at PHHCustomer Service, no money is forthcoming.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I WAS NOTIFIED BY LETTER FROM PHH MORTGAGE THAT MY LOAN WAS TRANSFERRED TO XXXX MORTGAGE ... FORTUNATELY I WAS ABLE TO SPEAK TO SOMEONE AT PHH MORTGAGE HOWEVER SHE WASN'T ABLE TO PROVIDE MY NEW LOAN NUMBER NOR ABLE TO GIVE INFO ABOUT WHERE TO SEND PAYMENT. IN ADDITION, I CALLED WITHIN 5 DAYS OF RECEIVING THE NOTICE AND CONTACTED XXXX OF WHICH SINCE IT WASN'T THE XXXX XXXX XXXX NO INFORMATION WAS AVAILABLE. SO, IT'S XXXX XXXX XXXX XXXX AND STILL NO COUPON MAILED EITHER TO MY P.O. Box NOR THE PROPERTY ADDRESS. IN THE MEANTIME, MY SON HAS THE VIRUS. I DON'T KNOW WHAT TO DO.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our loan was sold to PHH Mortgage and they not releasing my escrow for taxes that they collecting nor they releasing money for insurance we already paid for a full year PHH Mortgage # XXXX PHH Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX www.phhmortgage.com
Company Response:
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage arbitrarily and capriciously issued a due and payable notice to elderly borrower, purportedly due borrower not occupying the property as principal residence. The property is the lawful Florida homestead of the borrower and borrower has provide an annual certificate to servicer on numerous occasions. Further, PHH Mortgage has arbitrarily stopped principal advances to borrower denying funds for living expenses to borrower. Contacting the company involves waited greater than 4 hours.
Company Response:
State: FL
Zip: 33184
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased my property in XXXX of XXXX i currently have XXXX on my mortgage of {$340.00} and my property value has increased significantly. My current mortgage company ( PHH Mortgage ), in addition to other mortgage companies constantly send me letters stating that i have equity on my house to borrow from or to refi. Based on the increase in value, i wanted to refi and remove the XXXX. But the interest rate currently is higher than my interest rate of 3 %. I was told by a banker at the time of purchase that if my property value reached 80 %, i could request removal of XXXX I reached out to my mortgage company to request removal. They let me now that they would need either 1 ) Appraisal OR 2 ) improvements to the property. I went for option 1. They asked me to fill out a form and send {$320.00} for appraisal. I filled out the documents and sent it in with a cheque. Within a few days, my cheque was cashed but i did not hear back. When i called back, they told me that i now needed to provide proof of significant improvements to the house. I told them that they need to escalate this as i was never told this and it should not be the case. Today i received a letter from them stating that they declined my request unless i provide proof of improvement. I was never told that i needed to both. Nor do i think in my opinion that both are required. Because the mortgage company is not benefiting from me removing XXXX they are giving me a hard time and holding that against me. They are unfairly denying me my right to remove XXXX based on property value. On my account dashboard, they are estimating my house value to have gone up by approx $ XXXX. and as i mentioned, another department keeps contacting me to refinance or borrow from equity. I am attaching a copy of my XXXX XXXX where they posted estimate value and well as zillows estimate value.
Company Response:
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: What I'm failing to understand is unprofessionalism and the many violations coming from CFPB. This is NOT this first time you have provided my personal information too unauthorized companies. A company that has no legal right or my consent to access or utilize my personal information. I made my report to you, CFPB about a company that was a part of my XXXX XXXX discharged bankruptcy that had gone out of business however XXXX continued fraudulently reporting for OVER four years ruining my credit report. I got a letter in the mail from some strange and unknown mortgage company that i have NEVER did business with, ever. This unknown company is NOT a part of my bankruptcy. The original creditor is listed in the bankruptcy and that account number has been discharged under the original creditors name. For this unknown company to have gotten access to my personal information and accessed files FROM the United States Bankruptcy Courts, FEDERAL documents and illegally altered the information, AFTER a Judge has discharged the account is a whole crime within itself! This unknown company has NO legal rights too any of my addresses, account/case numbers nor anything else. For one, I did NOT willingly consent and for two, the entire account was long discharged in Federal Bankruptcy Court BEFORE the company went out of business. PLEASE tell me when will this stop? When I filed Bankruptcy, EVERY account under the bankruptcy rules and laws were too be REMOVED off the credit report COMPLETELY! This is the results of bankruptcy debt buyers that are only interested in XXXX XXXX and XXXX XXXX discharged debts. It's been ALMOST 5 years since the discharge and i have NEVER fully been given that right too a fresh start because you all allow these discharged accounts too continue too be listed on my credit report. How could an agency that is supposed too help allow such criminal behavior? This is supposed to be an government agency I have kept all my copies of reports and complaints and a very long list of criminal activity because I want others too witness how horrible an government agency allowed an consumer to be treated by creditors that are allowed to violate FCRA and completely ignore an court injunction & boldly being in contempt of court.
Company Response:
State: OH
Zip: 44446
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PHH Mortgage refuses to do a loan Modification. My original loan was for XXXX. I paid my PHH mortgage for 20 years. My loan amount with PHH Mortgage was down to XXXX. My interest rate is XXXX interest. After I lost my job as a XXXX XXXX at XXXX. In XXXX While I was at XXXX XXXX XXXX not only did I have XXXX. They determined that I have XXXX XXXX. I requested a loan Modification and I was over and over.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: filed a complaint with you with the CFPB XXXX XX/XX/XXXX and it was the case number XXXX - XXXX. I don't believe you addressed it a lot of the issues the issue number one was the attorney I had hired sent you papers all you had to do is sign them and the loan would have been paid off. YOU guys didn't do that OK you guys always kept saying we will do it. You say in that letter that I was the executor I was never the executor of my father 's estate If I was the executor in the estate they would have paid for the loan but I wasn't the executor and it executor needed prove that I was not on the loan. I show I have 12 hours I'm just calling the last 3 months when the judge said we're gon na give you a little while and then I went to court again and the Judge give one month extension. I still didn't get the letter The estate of XXXX XXXX XXXX was paying the loan off if I got proof that he was the only one liable for the loan. My lawyer even sent papers all you had to do was sign them and send them back and you couldn't even do that so I feel that was negligent on your part. After 2 years of trying to get that paper talking over 30 different people even relationship managers let 's see I've had 3 of those I think You said you sent me letters with the interest rate going up. If you look at the address you sent it to my dad 's house you never change the address in XX/XX/XXXX when I sent it with the birth certificate so I never even got the 1st one on XX/XX/XXXX.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please DO NOT allow OCWEN ( now PHH ) to continue their wrongful/improper/illegal foreclosure to struggling homeowners like us who are minority seniors. CFPB ( you ) have sued Ocwen for their unfair practices, widespread errors and yet they continue to do so. They want us to vacate the property ( our primary residence ) in exchange for cash for keys. They sent this offer before XXXX XXXX ( before the holidays ) but we did not take their offer CFPB issued a cease and desist and license revocation order against Ocwen. They failed to assist homeowners seeking foreclosure alternatives. They want us to be homeless or move out to the streets during the pandemic/omicron surge? It's like pushing us to our death. How cruel and inhuman Ocwen/PHH can be to XXXX senior citizens like us? Our property was foreclosed XX/XX/XXXX and the Trustee sale was awarded and recorded to Ocwen as the Trustee Deed Upon Sale.I wonder if Ocwen at that time is still licensed to do business? Our property 's Grant Deed is to XXXX and XXXX XXXX, husband and wife as joint tenants when we bought it on XX/XX/XXXX. It was refinanced on XX/XX/XXXX under my husband 's name only with All American Finance/Loan Experts but transfer ring interest to XXXX Bank XXXX There was a break and in the chain of assignments. Loan experts is no longer in business and there is no one capable of executing an assignment. It was also mistakenly not recorded as the bank admitted. Where a true XXXX XXXX property between husband and wife exist, the interests of each should be their separate property. When spouses take title in joint tenancy, each spouse holds his or her interest as separate property under California law if the community property presumption is overcome. Regardless of the state of the title, property must be either one or the other. It can not be both. They can only foreclose the 1/2 interest of the debtor ( my husband ) but not my 1/2 interest in the property or maybe their lien is invalid? We need your help to stop OCWEN/PHH from victimizing people like us. Our Ocwen/PHH XXXX Property XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95136
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A