Date Received: 2021-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received another statement from PHH Mortgage company for XXXX payment. Mind you this is the XXXX letter of complaint about this company I am writing to you about. My original loan was with XXXX Mortgage my home was purchased in XXXX. I went into forbearance in XXXX of XXXX due to the covid pandemic and no employment. in XXXX that forbearance had been extended by XXXX XXXX until XX/XX/XXXX with the understanding that I could come out of it at any given time without penalty and the payments would be added to the back of my loan. PHH bought my loan in XX/XX/XXXX. PHH did not honor any of XXXX terms. Instead I was reported as being in arrears 160 days and would be foreclosed upon. I explained everything, sent copies of all my XXXX paperwork pointing out where it stated my forbearance extension details. Then and only then did PHH allow me to extend the forbearance with them. until that was cleared up I was harassed daily with calls. I even had a tag left on my front door knob, which is just now being brought to light on my XXXX statement with a " Assessed Expenses '' fee of {$40.00}. I called PHH spoke with a rep named XXXX ID # XXXX and was told this is a fee for them doing a drive by property inspection due to my delinquency on my loan. AGAIN I was NOT delinquent, I was in forbearance. Had PHH done their job correctly they would have known this instead of trespassing and harassing me. Now I face another obstacle of XX/XX/XXXX it was recorded due to the paperwork PHH had me sign, even though when reviewed over the phone with a rep, and I asked where it showed my payments were deferred to the end of the loan, and the rep told me it showed where it said where the loan ends on XXXX. Come to find out, this was far from the truth. Now I am not a loan officer, not a legal person, I do not understand all their language, but what they did was even before the forbearance was officially up on XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX against my property in XXXX XXXX XXXX for the XXXX forbearance payments, they did XXXX defer them to the back of the loan. Please keep in mind I had paid XXXX and XXXX payments, but they did not count those as my house payments as they should have been. Then paperwork I signed also has a payment amount of {$1200.00} for a payment each month yet they insist on the payment being {$1300.00} or they will not accept the payment. How can they force me to make a higher payment when it is approved and notarized with the {$1200.00} amount? And now assessing me a charge of {$40.00} stating I was behind in payment and they had to do a drive by inspection to see if someone still lived at the property this is per XXXX ID # XXXX a supervisor who told me it is a valid charge and they want me to pay XX/XX/XXXX payment of {$1300.00}. Something needs to be done about this company and their unethical practices. I am attaching 2 pieces of proof of what I am referring to.
Company Response:
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company sent a notice of acceleration on or near XX/XX/XXXX. XXXX ) The notice of the collections firm include an amount in arrears XXXX ) I disputed the debt but didn't get a reply within 30 days. XXXX ) The company filed for foreclosure sale on or near XX/XX/XXXX. XXXX ) The company told me they approved me for a modification on XX/XX/XXXX but I never got the modification and the company falsely noted that I withdrew the acceptance of the modification. XXXX ) I notified the company of the new XXXX CFPB rules on XX/XX/XXXX and they are mandated to contact and modify loans due to XXXX and the company ignored the request. XXXX ) I set up appointments to speak and the company calls on the wrong dates at the unassigned time. XXXX ) I get conflicting information on how the company will resolve its XX/XX/XXXX representation of approval for loss mitigation. XXXX person says 10 days another person gave me a date that's almost 21 days. XXXX ) The company hasnt processed a XX/XX/XXXX application of loss mitigation. XXXX ) I've sent multiple Notices of Errors, Qualified Written Responses, and other data to company and it hasn't replied or resolved any of the registered notices of errors and request for corrections. XXXX ) I'm getting call a from people seeking to buy my home being advertised for foreclosure when its illegal and a violation of the XXXX emergency by CFPB guidelines to conduct a sale at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH MORTGAGE I HAVE XXXX ISSUES WITH PHH MORTGAGE. IN XXXX XXXX2020, INFORMED PHH THAT I DID NOT HAVE TO PAY COUNTY TAXES ANYMORE BECAUSE I BECAME 100 % XXXX VETERAN. THEY STATED THAT MY MORTGAGE WOULD BE XXXX PER MONTH. THEN IN XXXX 2021, THEY STATED THAT THE MORTGAGE IS XXXX $ PER MONTH. i ASKED THEM HOW DID THEY MAKE THAT MISTAKE. THEY STATED THAT THEY WOULD DO AN INVESTIGATION. I HAVE NOT HEARD ANYTHING FROM THEM SINCE I INSTIGATED EXCEPT FOR LETTERS STATING IT WAS BEING INVESTIGATED. I BELIEVE THEY OWE ME XXXX $ WHEN I LEFT OCWEN, OCWEN MORTGAGE COMPANY, OCWEN, OWED ME A SUBSTANTIAL AMOUNT OF MONEY BECAUSE THEY DID NOT GIVE ME A PARTIAL EXTENSION DUE TO BEING 90 % XXXX VETERAN. THEY WOULD NOT ADDRESS THAT FACT BECAUSE I WAS TRYING TO GET A MODIFICATION. THEY ALSO CHARGED ME MONTHLY TO PAY MY MORTGAGE. OCWEN DELAYED MY MODIFICATION NUMEROUS TIMES BY REPEATEDLY FINDING ISSUES WITH THE SAME ISSUE, NOTARY SIGNATURES. I WAS TRANSFERRED TO PHH MORTGAGE IN XXXX 2020. MY MORTGAGE WAS XXXX WHEN I WAS TRANSFERRED TO PHH MORTGAGE MY EQUITY WAS STOLEN. THE MORTGAGE AMOUNT WAS XXXX. I HAD XXXX STOLEN FROM ME. AT THE TIME I DID NOT UNDERSTAND WHAT HAPPENED. I FEEL THAT I HAD A LOT OF MONEY STOLEN FROM ME BECAUSE OCWEN DID NOT ADDRESS MY 80 % XXXX FROM THE VETERANS AFFAIRS AND IT WAS NOT ADDRESSED WHEN IT WAS TRANSFERRED, I WAS TOLD I HAD TO BE 100 % XXXX DUE TO HAVEING A MODIFICATION AND THAT IS A LIE. I WANT ALL THE MONEY THAT IS OWED TO ME BECAUSE OF THESE CIRCUMSTANCES AND MY EQUITY RETURNED. I DO NOT BELIEVE THAT I USED XXXX OF EQUITY DURING THE XXXX - XXXX TIMEFRAME.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PHH responded to previous complaint that they did not report my payments past due in consecutive months during a Covid 19 related income/job loss in 2020. I am attaching the copy of my XXXX credit report that clearly shows 30 day past due in both XXXX and XXXX of 2020. I previously reported XXXX and XXXX of 2020 but it is actually XXXX and XX/XX/2020. THIS IS INCORRECT as I was put on a forebearance in response to the Covid 19 situation.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Information forwarded to correct Deed of Trust on XXXX XX/XX/2021 The original request was initiated back in Early XXXX of this year. My lawyer and I have provided countless documentation to correct the issue and as of XXXX XX/XX/XXXX the issue has not been resolved. Request this matter be escalated to management to correct this issue. PHH is the second mortgage to this property. I provided XXXX XXXX ( primary ) mortgage to this property the same information 5 weeks ago and they resolved the issue in one week. This says a lot Request this update be elevated to correct issue. The attachments provide details of what needs to be corrected. Also sent additional documentation on at least four other occasion.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am the owner of a property located at XXXX XXXX XXXX, XXXX XXXX, New York ( the Property ) pursuant to a deed from, and a court stipulation with, XXXX XXXX. XXXX XXXX XXXX XXXX, As Trustee for XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series XXXX ( XXXX XXXX ) is the current record fee owner of the Property as a result of a foreclosure sale pursuant to a Judgment of Foreclosure and Sale. I am currently in litigation with XXXX XXXX before the Supreme Court of the State of New York, Appellate Division, Second Department, attacking the Judgment of Foreclosure and Sale granted in a prior mortgage foreclosure action due to improprieties in that action -- because the Judgment of Foreclosure and Sale relied upon a vacated order of reference, and because XXXX XXXX died during the pendency of the foreclosure action and his estate was never substituted, divesting the Supreme Court, XXXX XXXX of jurisdiction to continue the foreclosure action to enter the Judgment of Foreclosure and Sale. XXXX XXXX and its servicers, Ocwen Loan Servicing , LLC, now PHH, failed to preserve and maintain the Property since acquisition of the Property at the foreclosure sale in XXXX. I have put XXXX XXXX and its servicers on notice several times that the foundation of the Property and an underground, abandoned oil tank needed immediate remediation. Flood waters from Hurricane Ida breached the foundation and now with each rain fall, water flows freely causing the foundation to have moved fouXXXX inches. The foundation walls are buckling and the driveway is sinking. I have made multiple offers to acquire the Property with the numerous attorneys who have represented XXXX XXXX. The most recent attempt was made before a mediator in the Appellate Division, Second Department as part of a mandatory settlement conference, between me, an attorney for XXXX XXXX and a representative from PHH. The mediator requested an appraisal and inspection of the Property.The appraisal came in at {$370000.00}, and according to XXXX XXXX attorney, the Property insurance would not fix the damage to a REO property. This begs the question -- why are REO properties bring charged for this forced placed insurance. I was also told that Im a third party and have no rights. I have an estimate to fix the issues with my home of {$55000.00}. At the Court mediation, given the condition of the Property and the appraisal, I offered {$300000.00} to acquire the Property. XXXX XXXX counter was a demand for {$470000.00} but would not make any repairs and, absent payment of that amount, XXXX XXXX would commence eviction proceedings in XXXX 2022.I have made several phone calls to XXXX XXXX XXXX XXXX they informed me via recorded message left on my cell phone that XXXX XXXX XXXX XXXX sold a block of interest, which included my property to PHH. The PHH representative denied my statement during our mediation, stating they are the servicer of my property hired my XXXX XXXX. The XXXX XXXX XXXX records as of XX/XX/XXXX, confirm the deed is titled to XXXX XXXX have lived in my house since XXXX, I have maintained the property and made substantial capital improvements. Estimated monies spent are well over {$200000.00}. XXXX XXXX and its servicers have engaged in deceptive and misleading conduct ; unfair and deceptive practices ; illegal and unscrupulous behavior ; breach of the duty of good faith and fair dealing, fraud, negligence, negligent misrepresentation, unfair competition ; violations of the Real Estate Settlement Procedure Act ; unjust enrichment ; securities law ; breach of fiduciary duties to the companys shareholders ; failure to mitigate damages ; violated the warranty of habitability ; harassment ; Breach of fiduciary responsibility ; conflict of interest between XXXX XXXX XXXX and PHH ; violation of a pooling and service agreement.Having been personally attacked by big bank violations makes me certain Im not alone. There has to be many others being taken advantage of. I urge you to hold these banks accountable for their bad deeds, and pray for swift action. This has been my home for nearly 14 years, my many offers to settle have fallen on deaf ears. Their threat to evict me is a frivolous waste of the courts time. My offers to settle for fair market value of my home, should have been accepted years ago, saving the bank thousands of dollars. Each year that passes my foundation continues to crumble, which will cause my homes value to depreciation even further. I pray for your intervention and rescue my home from these predators.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Cold well banker is refuse me as it onwer .the management team .XXXX XXXX XXXXphone number is XXXX. Refuse me decrimantion .call me XXXX. And I am not. A member of a XXXX XXXX a private group .all of this is illegal. He can not decrimantion on me. With this and refuse me my birth certificate rights... ..this is also I'd fraud. Who is take my place it is not me.. Coldwell banker and XXXX XXXX XXXX and XXXX XXXX, XXXX iXXXX XXXXXXXX XXXX XXXX. I am soppose to be a employee .onto said release date says for me too own it .owner and CEO .I believe all of this is past due .my employee pay ckeck is past due sense XXXX. And now my owner ship deed is past due sense XXXX. The IRS is say I owe taxes sense XXXX on this said business ... ..I got XXXX XXXX .also take from me a nother business with this business please share all this information with the other said businesses .too same stuff on them too. Filed in XXXX public contract. On the tittle address XXXX XXXX XXXXXXXX XXXX ga, and XXXX XXXX XXXX XXXX ga, ... ... ..I am owner and co owner of all said information on both these addresses in XXXX .look. At tittle good. All the information in this text spill me out as a XXXX XXXX or XXXX XXXX. A employee .and it rolls over too owner XXXX XXXXXXXX. I have completed all the time old deceased owner XXXX XXXX XXXX, requested for me too do .sense XXXX. I have been in the ghetto for XXXX years .I have did the time .I do not want too do no more time in the ghetto .it is a panic pamdamic in the ghetto .it a mess out here XXXX and etc is going on all day .. please stop steeling from me XXXXstop give my personal principal address too someone else. Give me everything the contract is say from XXXX up too XXXX of XXXX. Bank account and Corp deeds. ... ... this is a ownership of the business complaint Coldwell banker etc.al..
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am and have been in forebearance. I submitted a request to extend my forebearance to PHH Mortgage. They sent me an application for assistance so I filled it out and emailed it to them, along with scanned financial documents of my income. I emailed all of this to them on XX/XX/2021 but they never responded. So I resent the application for assistance and my scanned financial documents as proof of my income again on XX/XX/2021. I never heard back from them again. I received a generic form letter from XXXX XXXX on XX/XX/2021, but it was dated XX/XX/2021. It said that because they never received my information on my application for assistance and the due date is passed, they were going to discontinue processing my incomplete application. When I went online to XXXX XXXX or PHH there was no way to pull up this application for assistance. They made it impossible to submit the application on line so I had to fill it out and scan everything.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was benefiting from a program called the bi-weekly mortgage program with my previous servicer AmeriHome Mortgage from XXXX until XXXX. The main benefit is to cut short my repayment plan so I can own my home sooner, saving me in interest. My loan was sold and transferred to XXXX XXXX I believe at the end of XXXX. Because my loan was sold to XXXX XXXX, my participation in the bi-weely mortgage program was disrupted and I was unaware and was not notified that I was no longer in it. I called customer service and they told me that I could continue in the program but I would need to submit additional paperwork in the mail. I never received the paperwork to do so. Now as of XX/XX/XXXX, my loan was sold and transferred to PHH Mortgage. I called them and asked if they had such a bi-weely mortgage program. They said they no longer offered it and was discontinued some time ago. My issue is that people such as myself who were benefiting from the bi-weekly mortgage program, have suddenly lost this benefit through no fault of their own because the investor decided it was best for them to repackage others ' and my loan to be sold of to another servicer. Is it fair that I can no longer benefit from a program I was in because some anonymous investor without consent decides to transfer my loan to another servicer who doesn't provide the same level of service? I am asking you for guidance if their is something in the law or directive to rectify the matter? Thank you.
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This loan was deemed fraudulent it was taken out with my father who had XXXX at the time there was six loans taking out within less than six months within the back bank it was claimed to be fraudulent and everything was OK going along then my father passed away the house was given to me and now the loan was sold to another loan company and now theyre for closing on the house I really do need some help and I do have paperwork I need to talk to somebody I feel like I am being taken advantage of just like my father this house was bought in 1980 and my family live in it my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX my email is XXXX Telephone number is XXXX I can Explain mychbetter but Im just getting over XXXX
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A