Date Received: 2021-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred from XXXX to PHH Mortgage effective XX/XX/XXXX. The taxes and home owners insurance were due in XXXX of 2021 and were not paid from our escrow account. In XXXX of 2021 I received notification of delinquent taxes and that my insurance had not been paid. I contacted PHH Customer Service on XX/XX/XXXX to inform them of the issues. PHH mortgage gave me a fax number to send the notices to and I faxed them the following week. In XXXX I received additional notices that the taxes and insurance payments were still delinquent and that my insurance would be cancelled at the beginning of XXXX. I called PHH Customer Service again, they said that the taxes would be paid but they needed me to send the insurance binder. I sent the insurance binder to PHH on XX/XX/XXXX. As of XX/XX/XXXX the insurance was still not paid so we paid it to avoid cancellation. The city sent us a third delinquent notice on our taxes so we are about to pay that as well. PHH has demonstrated an inability to manage the routine administrative aspects of keeping our mortgage and our property in good standing.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Saxon has committed numerous violations pursuant to federal law against me ; below are some of the violations such as 15 USC 1605 : I am being charged an APR, home insurance, I was charged a down payment and had to pay taxes and fees all which should have been included in the finance charge. I was not advised of my right to rescind- 15 USC 1635. They have committed four counts of 18 USC 1028A. 15 USC 1692e they have presented false statements, forms and contracts in an attempt to collect an alleged debt. They have violated 12 USC 1831n ( a ) ( 2 ) ( A ). They have continuously violated 18 USC 1341 by sending statements every month stating that I owe for an alleged debt. Saxon has attempted to make me believe that they loan me credit which they are not able to do and according to 12 USC 1431 they are in fact the borrower not me as they have not loaned me anything also the alleged debt is not my obligation according to 18 USC 8. 15 USC 1602g informs me that I am the original creditor not Saxon. The alleged debt has been furnished on my credit report which is a violation of 15 USC 1692b ( 2 ).
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I sent a Cease and Desist Letter to PHHXXXX XXXX XXXXon time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The XXXX XXXX XXXX in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with XXXX XXXX sold to Ocwen loan Services around XXXX or so.XX/XX/XXXX Sold to PHH Mortgage a of Ocwen -PHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} .Also sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Customer Financial Protection Bureau We are reaching out to you as our last resort in hopes that you can help us with an urgent matter in order to move forward with our plans. We have been trying to get our homes title clean since XX/XX/XXXX ). We have been calling every bank and every number that has been provided to us, only to get nowhere. No one seems to be able to provide us with any information. We are trying to refinance our property but the property has a lien that shows the second mortgage that was included in the XX/XX/XXXXmodification. No one seems to have this lien, but no one wants to clean the lien. We purchased our home back in XX/XX/XXXX with a 80/20 predatory loan with XXXX XXXX. Then XXXX transferred the loan to Ocwen bank were in XX/XX/XXXX we applied for a modification and were approved. After qualifying for the modification, they forgave the small loan which was part of the modification and we continued paying our home all these years without any problem. Ocwen bank transferred the loan to PHH Mortgage ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) whom stated that they can provide a payoff letter only for the mortgage that they have, but they can not provide a payoff letter for the second mortgage. We are very frustrated because it seems like no one can help us. We even contacted MERS who told us to contact XXXX, but when we called XXXX, they transferred us to PHH because they are the same mortgage company but we end up with the same answer. We are requesting your help to clean the lien on the title. We hope to hear from you soon and we want to thank you in advance for your time and assistance. Sincerely,
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I AM REQUESTING ALL DOCUMENTATION FROM OPTION ONE. IN 2004 WE THOUGHT WE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATION THERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN 2004 WE THOUGHT WE WERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX AT THE SAME TIME WE THOUGHT WE WERE APPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALL FRADULUENT ACTIVITY IN THE US BRC OF XXXX GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WE WERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF XXXX, IT APPEARS HE IS STALLING AND WILL NOT RESPOND TO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT. EVERYONE KNOWS NO MORTGAGE COMPANY WILL APPROVE 4 TO 5 LOANS IN A WEEK OR MONTH FOR A XXXX COUPLE! PLEASE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I AM REQUESTING ALL DOCUMENTATION FROM HOMEWARD MORTGAGE. THIS IS A FRAUD LOAN. THIS PERTAIN TO XXXX XXXX XXXX XXXX, XXXX, GA XXXX, APPARENTLY THIS HOWARD AND AMERICAN HOME SERVICING ARE THE SAME COMPANY,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I AM REQUESTING ALL DOCUMENTATION RELATED TO XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OCWEN MORTGAGE. THIS IS A FRAUDULENT LOAN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I AM REQUESTING ALL DOCUMENTATION FROM AMERICAN HOME MORTGAGE SERVICING FROM XXXXTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THECURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WEREOBTAININGFRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION.. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF NORTHERN GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT 18-55697LRC.THE ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF MONEY HOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My previous complaint XXXX has not been resolved. I have also received further information from the previous mortgage lender that they have proof that phh mortgage company has received my first mortgage check from XXXX XXXX XXXX and that they have withdrawn half of the money from that payment. The lender also informed me that this is definitely not the first time they have had problems with phh mortgage lying about not receiving money. Phh mortgage should not be able to operate with their predatory actions, and buggy online presence. Please investigate this company. Even if my issue gets resolved no one else should have to get stuck with this company.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: they reporting inaccurate payment history I was never late on this account and my payments were in forbearance during Covid. This has caused me to lose my home refinance and emotional distress. I requested in writing proof of what they were verity and got nothing enclosed is proof that i have tried to resolve this issue numerous times.The account in question PHH Mortgage # XXXX. I was in forbearance due to Covid -19 and was told this would in no way affect my credit reporting Letter enclosed from the creditors
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A