Date Received: 2021-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I just Got a Modification in the mail my payment went up XXXX and my principle has never gone down. My Mortgage Account number is XXXX. My interest has not gone down
Company Response:
State: PA
Zip: 17109
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am the successor of interest on my father 's mortgage. PHH Mortgage will not answer any of my questions about my father 's mortgage directly. PHH Mortgage reps keep informing my sister and her attorney that the mortgage is in her name and she assumed the loan, see cour documents. My payments are being applied properly to the principal, see attached. I asked PHH Mortgage to provide proof that my sister made a deferred balance for modification for {$29.00}, XXXX I talked to a rep who first said my sister made the payment but didn't know if it was a modification adjustment. PHH mortgage sends a statement to my sister 's house at XXXX XXXX XXXX in her name but tells me that a statement can be sent in my name due to the policy at PHH. PHH Reps claim that statements can only be in the account holder 's name but clear as day you see XXXX XXXX on the Statement. PHH sent my mortgage statement to the wrong address but always had my address on file. I have asked for a supervisor to call me back 5xs and in 2month period and no answer.
Company Response:
State: WI
Zip: 534XX
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Number : ( REDACTED ) Via : XXXX OBJECTION TO NOTICE OF ACCELERATION AND VALIDITY OF DEBT You are hereby informed of the following : 1. The subject notice is improper and your firm doesn't have authority to proceed. The matter is in the jurisdiction of the United States District Court, XXXX XXXX XXXX XXXX XXXX XXXX See Case Number : Civil Action No. XXXX. Jury Trial has been requested. 2. PHH offered a modification plan of the mortgage on or around XX/XX/XXXX and informed Peek of the same. PHH has arranged a call to discuss matters of a pending loss mitigation application on or around XX/XX/XXXX. 3. The Real Estate Settlement Practices Act-Regulation X- provides that no debt collection action shall occur during a loss mitigation application the same of which has been duly filed and acknowledged by PHH. 4. PHH is subject to regulatory oversight by the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 and the Consumer Protection Finance Bureau regularly enforces the ECOA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 5. CFPB Rule cited as 12 CFR Part 1024c Docket No. CFPB-2021-0006 ] RIN 3170-AB07 Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act ( RESPA ), Regulation X. Those rules mandate actions and activities for processing loan modification, debt collection, and related activities. Essentially, the demand letter is improper, contrary to the CFBF rules effective at XX/XX/XXXX, and contrary to Acts of Congress and has to be withdrawn. 6. PHH is in receipt of multiple duly prepared and submitted Qualified Written Request, Notice of Error, and Request For Information matters since XX/XX/XXXX that is hasn't responded to and thus an action in foreclosure, such as demand for payment, is a violation of RESPA. 7. The associated fine for violation of the Fair Debt Collection Practices Act, RESPA, CFPB shall offset and reduce any obligations herein and such matters will be resolved inly in ligation in federal court. 8. The debt, if any, is subject to the Dodd-Frank Act of 2010 and Federal Housing Act by means of repayment agreements, loan modifications, short sale of property, partial claims. There is a partial claim that affects the validity of this debt. Therefore, the demand letter is improper, illegal, the debt is materially misstated, and this matter is not subject to proceedings in State Courts. Please withdraw this action and notice. /S/ REDACTED NAME Also, PHH falsely noted that they issued me a Loss Mitigation and Trial Payment but I never got it and they falsey said I cancelled it when I never did so or even knew it was issued. PHH also hasn't replied to mulitple Qualified Writtedn Request, Notices of Error, and Request for Information sent by registred mail to them. PHH is not complying with the new RESPA guidelines issued by CFPB as of XX/XX/XXXX
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: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have kept COPIES all of the XXXX XXXX XXXX BANK Cashier Checks XXXX XXXX money orders for the last 2 years since OCWEN/PHH formed their marriage XXXX Previous OCWEN alone were XXXX amounts. OCWEN/ PHH were {$480.00} amounts. When I was using OCWEN due to the home insurance here for my place in XXXX jumped to $ 1700 year. OCWEN was then {$790.00} to $ 900 year. So I knew they only covered the cost of the money. Payments went up to {$570.00} I started using them for the 1 year. I RESTARTED a new XXXX XXXX XXXX the rates were {$98.00} month in XX/XX/XXXX. Their rates were less than the others ; XXXX XXXX ; XXXX XXXX, and coverage was the same. OCWEN/PHH came XXXX the with my payments were late XXXX XXXX. I paid the {$24.00} dollars with a separate check. from then on they continued with the scam, to ruin my XXXX rating. It was then, I read about this Case in XXXX XXXX XXXX, Idaho that made me start thinking about the particulars. OCWEN vs XXXX they had the cops evict them from their home and business. Well then my Checks would disappear and show up weeks later but I had already started making copies of everything I sent to OCWEN/PHH they continued to losing my moneys and continued every month with late payments and attacking me with on my XXXX score to prevent me from being able to Refinance. They alone intentionally was looking to stealing my XXXX, by going into foreclosure. I would apply at other places and they would give me answers like you haven't made a payment since XX/XX/XXXX. A lot would just not call back, or say if you raise your FICO we would be interested. My checks always had my ID # number on them XXXX and the Due date as month and day. My XXXX XXXX XXXX XXXX checks were cash through XXXX Bank. The XXXX XXXX XXXX Orders there is a question. Maybe 6 out of the 2+ years. I have my paper trail but getting my XXXX Bank paper trail would be difficult for me. I believe my # is a XXXX #. I get my SS Deposits either on the XXXX of the month up to the XXXX the month. I always purchase my payment between those dates. Everything I SEND always attach CERTIFIED MAILER, plus the copies which proves I paid before the XXXX of next month. I have those but there at the XXXX XXXX XXXX XXXX XXXX XXXX. The payments for XXXX XXXX XXXX they sent back without cashing them. But I have the CERTIFIED XXXX AND COPIES. XXXX XXXX XXXX passed to me my XXXX now less than XXXX. There may be things I should include that are possible but it is now XXXX Sunday the XXXX I could try to send more. My XXXX XXXX XXXX seems over whelmed. I want to take this thru a XXXX XXXX as XXXX, Idaho. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX XXXX
Company Response:
State: ID
Zip: 83221
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear CFPB, I started struggling to pay my mortgage in XX/XX/XXXX. PHH Mortgage offered me an initial payment deferment/loan modification for 11 months in exchange of one monthly payment of {$1000.00}. Please see attachments. The paperwork and process took so long due to language barriers ( I only speak XXXX ) and lack of servicing options that another month went by and another payment became due. PHH Mortgage knew I was now 12 months behind and could only make one payment. That one payment made on XX/XX/XXXX to process the modification was supposed to be applied to the upcoming month of " XX/XX/XXXX '' but PHH posted the payment as a XX/XX/XXXX payment. Therefore, my loan was never brought current as a result of the first modification. Additionally, my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX, and my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX. Mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX have not been paid due to another financial hardship due my wife 's health. I am XXXX and my wife was helping with household expenses pre-COVID, like groceries and utilities, but since XXXX she has not been able to and the little help from family stopped. We know that starting in XX/XX/XXXX we will be able to get back on our feet and we can start paying our home on time. I just need help getting the loan caught up and any late fees removed. I have sent A Request for Mortgage Assistance Application to PHH and am also seeking your help. Their documents are confusing and I am afraid of losing my home. This situation is very stressful, I have to rely on others to help me due to language barrier. I will appreciate whatever help you can extend to move this along to bring my loan current. Thank you, XXXX XXXX XXXX
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: XXXX XXXX XXXX AND XXXX XXXX XXXX MUST NOW SEND LETTER TO XXXX XXXX AND FURNISH DELETION LETTERS FROM THEM ALL JUDGEMNETS AND ACCCOUNTS ARE BARRED DUE TIME.
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently satisfied a loan that was effecting my taxes every year by refinancing it, so that my new escrow analyses would be correct and make my mortgage payment lower. I notified my XXXX XXXX with several emails communications and attached documents proving an error had occurred with the property tax amount and that is was being corrected by the county. Once the correction was made i sent the mortgage escalation team the corrected document showing the change but they disregarded the change and paid the {$12000.00} in property tax amount that was incorrect. They will be doing a escrow analyses and my escrow account is in the negative over XXXX and the company will not make the correction to reflect the right amount due on the taxes of XXXX The issue has been well documented and the mortgage company was well aware of the mistake and still paid out the wrong amount to XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2021 I filed a Loan modification application with PHH Mortgage, I received an email within 10 days stating they received the application, after that I NEVER received a response, Nothing, I called several times and was told I could not apply for a modification because I am in Chapter XXXX bankruptcy, this in inaccurate and you can check with Bankruptcy court, YES you can file for a modification. I spoke with XXXX on the next call and she stated that I had to put in writing that I am not affected by Covid in order to be considered. After that call I called a HUD counselor, I spoke with XXXX XXXX on XX/XX/2021 and discussed PHH, prior to the call I received a letter from XXXX XXXX XXXX, they represent PHH and it stated I have a forbearance from XX/XX/2021 through XX/XX/2021, I never asked for this, I am asking for a modification so I can get caught up on payments. XXXX and discussed a plan and I have included her on emails t PHH. I forgot to mention that the first rep said they needed a letter from my attorney stating they could talk to me about my mortgage, the rep said they did not have it, it has been sent maybe 8 times by my attorney and also by me, I have attached the letter that I sent to PHH again last week, the letter states I can discuss all aspects of my loan. The rep said Oh, I found it in another folder. Today XXXX I called the escalation department has an email instructed me to do and I got the same rude representative named XXXX, she said I can not apply for a modification because of Bankruptcy and that I need to send a letter stating I am not impacted by Covid. She said she could not discuss with me and I stated that once again the Letter from the attorney is with PHH and states YES you can. She said she only sees a image and she can only discuss payments, I hung up before I let loose on her. This is outrageous, I am trapped from doing anything, I can not keep paying an attorney to address PHH. I am asking for a modification and need a response. PHH should have a lawsuit against them.
Company Response:
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XX/XX/2021, I submitted a complete loan modification application with XXXX c/o PHH Mortgage Services ( Ocwen ) and XXXX confirmed receipt thereof ( see attachments ). On XX/XX/2021, on a telephone call with Mr. XXXX XXXX ( my assigned single point of contact ) was told by Mr. XXXX that my loan modification application had been approved and loan modification paperwork requiring my signature would be mailed out within the next several days. As of XX/XX/2021, I have NOT received said promised loan modification paperwork and my home is set for a foreclosure sale date of XX/XX/2021. I am a CA homeowner who along with my family been impacted by COVID and I have been trying struggling with XXXX to complete my promised loan modification and keep my home. If the XX/XX/2021 foreclosure sale happens, my family and myself will be homeless. XXXX acts above the laws ( California Homeowner Bill of Rights, and Federal laws and mandates ) that protect me as a homeowner. During this entire loan modification process, I have had an ACTIVE foreclosure sale date hanging over my head. Large amounts of people have been at my home due to the XXXX foreclosure sale endangering my self ( I have underlying medical issues ) and my family ( below the age of vaccination ) health and possible lives. Dual tracking is clearly what XXXX is doing and has not been held accountable for it/s unlawful actions. Single Point of Contact - Mr XXXX ; I cant get a hold of him unless I make a 2 week in advance appointment with him. Further, Mr. XXXX speaks with a heavy accent which makes it very hard to communicate with him. XXXX keeps adding unauthorized fees and has placed forced insurance on my home all the while increasing my balance. XXXX has not offered my any information concerning avoiding foreclosure. I have continued to call XXXX requesting them for my approved loan modification paperwork and I get no response. My house is set for a foreclosure date of XX/XX/2021, during XXXX season - what company does that? I want to keep my home, please send me my approved loan modification paperwork.
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH mortgage gave me a loan modification just before the pandemic hit the world, they never called me or informed me about the forbearance plan that was available, I got to know about this plan from the news, I called them and requested for it, they only gave this plan to me for 6 months in total, whereas I was told that a home owner can opt for a minimum of 12 to a maximum of 18 months depending on the mortgage company. I was infected with COVID in XXXX of 2021, and stayed in the hospital for XXXX weeks, but when I returned home, I wasn't keeping well, and this led me to being hospitalized for another 2 months, I was discharged from hospital on the XX/XX/2021 only to learn that my house is in foreclosure and I have had stressful nights with no sleep, I am an old lady and want to save my house as I have no other place to live. I want PHH to start working with me on another loan modification so that I can start making my payments on the mortgage. PHH has my property value as more than {$1.00} XXXX, where as my certified appraisal report says it's only for {$1.00} XXXX.
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A