Date Received: 2021-10-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX. XXXX XXXX XXXX Date Opened XX/XX/2004 XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, XXXX, and XXXX. Despite sending them the last letter, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : XXXX. XXXX XXXX XXXX XXXX Date Opened XX/XX/2004 Balance XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I believe this would be considered a loan modification and imposter scam which was performed by an individual who was claiming to be PHH MORTGAGE SERVICES ( PHH ) employee and was demanding payments in the form of a pre-paid XXXX debit/gift card to cover trial loan modification payments, escrow shortages and/or to avoid foreclosure. This imposter was calling from what appears to be a legitimate PHH MORTGAGE SERVICES phone number. The total amount paid into scam : {$2300.00}. Please see notes that follow... On XX/XX/XXXX I received a call from a Male who called himself XXXX XXXX and stated that he was a account modification manager at PHH Mortgage, our Mortgage company. The phone number he called from was identified on caller id as a PHH phone # : XXXX. XXXX said he was calling to confirm status after the COVID program to inquire into if we still needed help with keeping up with the payments. XXXX stated that he was able to offer us a loan modification that would lower both our interest rate and our payment. He went onto say that the interest rate would change from 2.75 % down to 2.25 %, and the new monthly payment from the {$990.00} to {$790.00}. He went on to explain the program and how it will be set-up. There will be 3-trial payments. Starting today, ( XX/XX/XXXX ) I was to make the 1 trial payment of {$790.00} for XXXX then there will be 2 additional payments of {$790.00} for both XXXX and XXXX on the XXXX of each month. At that time I had already made the XXXX payment of {$990.00} on XX/XX/XXXX which had already been applied to the account. XXXX said that that payment will be removed and applied as a suspense payment. Then after the 3-trial payments that suspense payment will be applied to the account as the 1st new modification payment in XXXX. I asked for the info for sending the XXXX XXXX payment, and XXXX advised that I could save money by sending the payment by way of a cash card thru XXXX for a fee of {$1.00} for each card, whereas XXXX XXXX will cost {$37.00} - {$52.00}. He advised that I will need 2-cards due to there is a {$500.00} limit on the card. Once I purchased the cards, I was to Call him back with the payment info so that he could make sure it was processed immediately and correctly, and he would give me a confirmation number for the payment. I went ahead and purchased the 2-cash cards. 1 for {$500.00} and 1 for {$250.00} ( in error ) the 2nd amount was supposed to be for {$270.00}. When I called him to forward the payment information, I advised him of the error he said I can make it up on the payment next month. He gave me a payment confirmation number of : XXXX, and then set-up a call back date in order to set-up and process the XXXX payment. XXXX called me back on XX/XX/XXXX to set-up the XXXX payment ( XXXX pymnt conf # : XXXX ), and XX/XX/XXXX to set-up the XXXX payment, ( XXXX ). All payments processed the same as the 1st payment. I have all the XXXX cards used to make the payments, as well as those payment confirmation numbers given to me by XXXX. I found out about the scam when a representative from the mortgage company called me on XX/XX/XXXX asking for the XXXX and XXXX payments. After I explained that there must be an error, that Ive been making the payments, and gave them the payment confirmation numbers, they advised me that they believe that it was a scam. That I should file a complaint with the FTC which forwarded me to you. Now XXXX continues to call me. The most recent call I received from him was on Tuesday, XX/XX/XXXX. I did not answer his call. I didnt want him to know I was advised of the scam so he could change his phone number. The phone he last called me from was : XXXX. Which he has called me from over 20+ times. Im hoping to try, to retrieve some of these funds thru XXXX. Due to that it was used as a fraudulent transaction. Also, I'm sure that he will call me back to process another payment, and I don't know how or what I should do in handling it. Please review complaint and advise as to how I should handle things from here. Also, is there a confirmation that I will receive, stating that I filed this complaint so that if XXXX requires it when I request a refund of the funds?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello- I requested my mortgage company to remove PMI and give me the opportunity to close my Escrow account by proving the value on my home has increased past the 75 % XXXX threshold. Back in XXXX. I submitted a timely application and payment in the form of a {$320.00} check, pursuant to PHH 's instructions on ordering an appraisal. I followed back up this month ( email conversation attached ) and all they responded with is " be patient ''. I'm now approaching XXXX and they have not taken any action other than depositing my money. They are dragging their feet deliberately because they don't stand to gain anything from my PMI cancellation and closing of escrow.
Company Response:
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was stricken with XXXX XX/XX/XXXX as a provider seeing patients. I began forbearance with XXXXXXXX XXXX XXXXXX/XX/XXXX i attempted during forbearance to continue to pay partial mortgage payments to them in the amount XXXX until XXXX to sick to continue work and pay. I completed the forbearance went into modification XX/XX/XXXX the terms was sign during and after the XXXX XXXX payment of XXXX the loan was transferred to PHH mortgage during this time the escrow amount was wrong did not include home taxes and insurance in which before my illness was included. I told PHH in XXXX when loan was transferred it was wrong after spoke to many agents at PHH no one listen until XXXX during this time i was asked to continue paying XXXX trail payment in which i did. There were 5 total payed to PHH. No one at PHH can tell me where the suspense payment went to until 1 week ago PHH stated the funds went toward the mortgage payments while I was in forbearance and the recent payment went toward monthly mortgage payment while in modification. A new monthly mortgage payment of XXXX state not written by the servicer stated starts XX/XX/XXXX still I have not received a breakdown of all payment made where they went. They are asking for a 6 trail payment for XX/XX/XXXX in which I was told by me calling of another XXXX plus new payment of XXXX mortgage XX/XX/XXXX payment and if I do not pay they will keep the monies payed a put the home in foreclosure. I have contact the Texas Mortgage Consumer Affairs ' put in a complaint with XXXX now your agency. PHH has threated several times with door hanger notices that they will foreclose my property I have never been late on my mortgage before my illness even during my illness I attempted to pay. I need help please. They want me to continue to pay without letting me know where my money is going. Before illness I owed XXXX. PHH is stating I owe XXXX more. When speaking with PHH they blame XXXX its not my fault the loan was sold incorrectly but I have to pay the penalty. A check for XXXX for XXXX payment was sent via USPS regestered
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I requested my transaction statement, after sending a payment for my escrow because my mortgage balance had not changed after the payment. In fact, my mortgage has not changed since I purchased my home in 2008. Where is my funds and where has my past payments been applied to? I have a conventional loan with no interest only loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I'm attaching this to add to the complaint XXXX
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX last year my husband lost his job due to the covid-19 pandemic, he is a XXXX and the breadwinner who helped me make the mortgage payments since we bought our home in XXXX. The loan is only in my name. I contacted PHH mortgage about this and they were able to put my mortgage on a forbearance plan because of the pandemic where they would put whatever what is owed during the time to the back of the loan until the expiration date. Every month I would still continue to call to make sure that PHH, and in those monthly phone call conversations, each customer service employee assured me to not worry and that they would help me every step of the way to not lose my house and that it is not going into foreclosure. Fast forward to XX/XX/XXXX, my forbearance plan expired and I was given the option to either extend another three months of forbearance or try to get approved for a loan mod, but also assured that if I was not approved for a loan mod that I would be able to continue to make my mortgage payment and the other money that was owed to be put back to the loan. So, I went ahead and tried for the loan mod because I wanted to lower the payment even more as the rates are very low right now. It should have only taken them 30 days to approve or decline, however, after submitting everything they asked for right away to them, it took them from XXXX of XXXX to XXXX of XXXX which is three long months. I found out on XX/XX/XXXX that I was NOT approved for a loan mod and that my only options now are to short sale my property or foreclose on it! I do not understand why they did not offer to put the money that is owed to them to the back of the loan and that I could start my regular monthly payment. This is not what I was told from the beginning back in XXXX of XXXX because of the covi-19 pandemic. This is absolutely a flat out lie on their part, and every time I call PHH each customer service from the XXXX is just reading off a script and does not understand my particular situation and it is so frustrating. My husband and I are both working now, but do not have the {$16000.00} ( from XXXX to XX/XX/XXXX payments ) saved anywhere, as we just got our jobs and had to just try to survive off unemployment during the covid-19 pandemic like the rest of the world. We worked so hard to keep our home and feel I was bamboozled during all these conversations with the PHH customer service people. Please, help us save our home... we would be able to make three trial payments and that was what I was hoping for if the loan mod was approved, but also was hoping to go back to making my regular mortgage payment of {$3100.00}, but we do not have {$16000.00} to just hand over to them. If my husband did not lose his job due to the covid-19 pandemic we would not need to be in this situation. It is so unfair that things were shut down due to the covid-19 pandemic and so many people were suffering. Please help us as we are willing and can start making our mortgage payment but we really need PHH to keep their word and to put what is owed to the back of the loan so we can start fresh again. Thank you and XXXX bless.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed two complaints One case # XXXX that is the one that has the documentation about the problem. The denied document on the short term sale which was sent after I sent the funds. The document stating they are not returning funds. I sent copies of the wire transfer that stated pay off on loan. Now PHH Mortgage has responded to the claim saying they are still working on the issue. That can not be a true statement because I have the proof that the case with PHH mortgage and myself is closed. When I called them they also told me they are not returning my money. I have reattached documents about this case
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: my father had a reverse mortgage. he passed away in XXXX i have been trying to work with the service provider as the sole heir. they keep changing hands and losing paperwork. its been ongoing 17 months now. now they have broken into the property and charged me XXXX bucks for their mishap. i need help. and i want them to be held accountable for all the errors over the years. they took advantage of my XXXX year old father multiple times with these predatory loans.
Company Response:
State: TX
Zip: 78744
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A