Date Received: 2021-10-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX got Trial Streamlined Loan Mod from PHH Mortgage Services as Successor in Interest. Successfully completed in XX/XX/XXXX. Due to unknown reasons PHH never updated the account to remove special executors name when probate was completed. I continued to make payments and in XX/XX/XXXX a payment was returned to my account unbeknownst to me. When I discovered it I called and PHH said the loan mod was now denied because special executor did not sign. I appealed, filed with California Bureau of Consumers and they reversed their decision and asked for {$7900.00} to be up to date. When I sent payments, they got sent back again! I called Ombudsman and she apologized and said to start sending money. So I did. Attached is XXXX XXXX XXXX account statement with payments totaling {$7900.00} I sent XX/XX/XXXX payment on time and it got sent back! When I called to ask why, NOW they are saying its because I owe them another {$3100.00} but that nobody communicated that to me and they are sorry! I now feel they are discriminating against me based on my race ( XXXX ) XXXXm a senior ( XXXX ) and the fact that the property is in a Redlined area of XXXX XXXX and has some equity FINALLY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage Services still refuses to get their hackers out of here and they keep remoting into my phone following some old protocol of " bleeding me out '' in which they try and isolate the homeowner in effort to keep him from exposing their fraud. We already went through this, remember?! It's where you had your hackers purposely deployed to my residence to establish a network access point ( still up to this day as seen in pic 1, starts with LED... ) so they can constantly get at me into my phone and laptop to keep me from communicating with my lawyer, who I hired to sue PHH Mortgage Services for illegal foreclosure, only to see PHH manipulate the situation just to be able to quickly hide the fraud they did all through these illegal foreclosures by quickly disposing of them. They purposely kept me from reaching my lawyer just so they could hide their fraud. Then to make matters worse, they actually acted as if these foreclosures didn't happen with how they tried to change and pass through a different set of fraudulent statements that they submitted to and through the CFPB. Statements that didn't wind up hiding any of the fraud at all and only made it look worse. You can't deny what's public record! Abd these foreclosed had an NTS which I already provided previously and submitted to show for each, and each had an auction date I had to do all I could to keepy house from winding up selling on. It took everything I had and all efforts o could make and nearly destroyed me. And at the other end waiting was these hackers. That was this past winter/spring/summer. So why are your hackers still here?! Get them out of my phone and laptop! Get them out of here! Look at the pics. They are still doing the only thing they know how to do to a homeowner, isolate him, even if the situation is well past any need for any of that. They altered the settings in my text messages app and my calls app just so that I won't be notified if any incoming msgs like I'm here isolated stuck back when trying to figure this whole thing out and had no avenue to take and go. It just doesn't make sense! Get your hackers out of here but not before they fix my settings. Where it's grey in those pics and doesn't give you a choice to turn on the setting is where they came in and used some commands sent from the system over there at PHH to write code to not allow this choice in my own app! It's none of their business what calls/msgs I get! Here I have record of logs from in the system there at phh showing this, as well as the network you use to piggyback Bluetooth to always get to me, which are actual former friends you recruit and pay with cryptocurrency like you see in pic, to make them participate in your goals and then to go away. Having other people I don't even know always come by and stop by my house at all hours of the day and night! You even had the neighbor across the street paint her door the bluest blue ( see pic ) that you could possibly think of all, right before she moved out, all in effort to tell your network of people how to easily find me .... '' Look for the house across from the one with the blue door ''. You made me your number one target when your the one that messed up when putting me into your fraud scheme where it blew up in your face, left evidence everywhere, and left your whole illegal foreclosure turned revenue fraud stream completely exposed. And because of that I'm the one that has to pay! This is pure discrimination and a violation of numerous acts that make retaliation illegal! For the last time keep you hackers out of here and stop remoting into my phone and laptop! Keep them out of my social media accounts that they keep getting into and wreaking havoc on and that's if they don't just all out delete my account like they did my XXXX account. There were photos of my daughter on there that I will never get back! What right do you have to do that! Get you hackers out of here for the lasr time! I already proved they exist with the fiasco set up by the double edge sword I put in place for PHH have no choice but take when I let them finally into my phone without fighting it like I just accepted it so that they can cone in, set the timer back on my man acct where i recieve my monthly statements and then afterwards eequested they send me a full set of statements that they have on file for me there from XX/XX/2018 on forward. The mess they provided only shows these hackers dont know what they are doing in this area. They should stick to the one protocol they know and are best used for, which is for a specific purpose only. But to phh this doesn't matter and they just continuously deploy them at me to thie day in effort to keep me from coming foward to expose your fraud. I made it past my auction date without a lawyer or going through any court and made PHH put my mortgage back where rightfully belongs the day after sold which is something I never want to experience again. How I did it or the tactics used were nothing more than a prayer of a long shot that somehow worked. But after that came these hackers and all the phychosis that developed trying to make sense of what's going on in the world around me and try to understand what my mind couldnt make sense of. See what y'all are doing with that access point back there in my neighbors backyard is not giving away free wifi but instead dropping files in any phone that connects to it. Any phone that is herr at my house eventually connects to it. And among other things these files once dropped in someones phone helps you to XXXX and piggyback off their phone to always get to me! To always get to me and make sure it is known that PHH and your hackers are always gere in my phone with me no matter what! Do you have any idea how that feels?! any idea what I had to live with this past year all because of you?! You have no right to be here. Get your hackers out of here and quit destroying every account of mine. Quit intercepting and deleting my emails in my email accts and quit remoting in period! You are not wanted here and for the last time, you are violating my civil liberties by preventing me from seeking and obtaining legal litigation against you. It is my right to seek justice for all the damage you have done to me!
Company Response:
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX, I purchased a property in DC. Shortly after the purchase, PHH Mortgage began servicing the loan. PHH did not make the property tax payments to the District of Columbia Office of Tax and Revenue for an extended period of time. In XX/XX/XXXX they realized the mistake and made double tax payments to the District of Columbia Office of Tax and Revenue ( DCOTR ). In XX/XX/XXXX, PHH sold the servicing of my loan to XXXX. PHH insists that the DCOTR would have refunded the funds to the new servicer XXXX. I followed up with DCOTR and they informed me that the funds were returned to PHH. This makes sense because the payments were made by PHH.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was in the modification process for three years with PHH, they shared back in XX/XX/2021 that I'm elgible for XXXX if I were to move. Since PHH was unwilling to modify the loan and gave me the option to receive {$10000.00} to move, I sold the home. I have not received the XXXX as promised.
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX Ocwen tried to foreclose so I filled out a modification and it went through so I made payments but they failed it. Then in XXXX I filled out another modification according to Ocwen, it got approved and I made 6 payments. They then failed that modification and put me back in foreclosure. Once again in XXXX I filled out another modification with Ocwen and made 3 payments, then they failed that modification. I believe this was a scam because the payment went from $ XXXX $ XXXX $ XXXX {$3500.00}. Now that I've been in foreclosure they have been charging me {$3500.00} a month on paper. I have been in foreclosure since XXXX, my first lawyer had it for 10 months and then quit. My second lawyer had it for 10 months then quit. Now I feel very vulnerable and I need help, they are still trying to fraudulently foreclose. I feel they have misinformed and misguided me into foreclosure. I have done everything they have asked and they still put me in foreclosure. My lawyer has now filed a complaint to put them on hold but he also has quit. The mortgage servicing companies involved are Ocwen, PHH, and XXXX, they kept changing which company dealt with the mortgage to further confuse me. Those companies are all owned by the same parent company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 930XX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The mortgage of my primary resident at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX have been purchased, without my consent by PHH Mortgage ( from XXXX loans ). Since I have automated payments for all my loans ( including previous ones ) I have never had any late payment issues and my credit score has been excellent. Since PHH Mortgage took my loan over, I have been trying to set up automated payment through their website. The first roadblock was they required me to fill out an amendment to start re occurring payments. The content of this amendment included non-payment related items. This company obliges you to sign off on these non-related items to accept my autopay request. Anyways, just to comply and move forward I signed and moved forward. I called them again and set up the automated payments together with one of their customer service representatives. A few months later I received a letter from them that I was late on mortgage payments. I called them again and disputed all late fee charges and set up once again the automated payments. A few months later I received another letter stating that I was late on payments. I went online and saw that in fact I was kicked out once again from automated payments. At the same time, I was trying to purchase a new home. When my loan officer pulled my credit, we realized that this company reported late payments and my credit score went down to XXXX from 800s. Despite all my efforts to rectify this issue, not only my credit score was affected also I will probably not be able to purchase a home a really like. I have a good amount of funds in my bank accounts, had excellent credit scores before PHH Mortgage acquired my loan and have no reason to pay late or not pay at all. It is quite the opposite ; my efforts are to keep my credit score high. Until today, after multiple phone calls and hours of conversations over the phone I am in this situation, and this is not right. Out of frustration, after one of my calls, I filed a complaint about PHH Mortgage to XXXX and I saw that there were similar complaints about them.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX my husband died unexpected at the age of XXXX, the same time Owcen who was servicing our loan was than sold to Phh Servcing. I informed them of his death and in XXXX of XXXX they took him to court and proceeded forcloure on the property, i had to provided proof that i was his wife to become successorship with which the awarded in XX/XX/XXXX to recant it XX/XX/XXXX and than they award it again in XX/XX/XXXX when covid began they than would keep me in modifications every three months stating they never recieved my documentations, as i would continue to send back they would ask me again for the same paperwork, when i would call to speak to my relationship manager that i was assigned to i would have to wait 3 weeks or more for a call back never able to reslove any issues for they kept the cycle of failed converstations with different realtionship managers never the one assigned to me. 2 years in and i still am fighting with them about recyled paperwork as well as not awarding me successorship till this day ... this company has already been sued by the Attorney General of my state of NJ in XXXX for the same pratices. please help me save my home from another agency that is not part of the solution of homelessness... Concerned Widow
Company Response:
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I paid off my mortgage on XX/XX/2021. I have not received my escrow balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame was XXXX to XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not XXXX. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XXXX of 2021 and PHH is just now getting around to updating their insurance records. PHH Mortgage sent copies of papers after my initial complaint which were irrelevant to the issue. The paper did not address the fact that they did not know at the time that there was no insurance in place. Secondly, the mortgage contract clearly states that forced place insurance can only be put in place if there is no insurance currently on the home. Prior case law shows that lenders can not force place insurance on prior gaps of insurance, only hwne there is no insurance currently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been communicating with my mortgage service provider ( PHH Mortgage ) concerning delinquent payments from my mortgage escrow account for payment of property tax on a house. This problem started in XXXX when my wife and I were first notified of the delinquent payments - 2 missed quarters of property tax payments for XXXX. At that time, my wife and I contacted my service provider and provided them information concerning the delinquent tax payments ( by email on XX/XX/XXXX ) and they assured me it would be rectified. Last week we were contacted by the town that property tax payments for XXXX were still delinquent and although one quarterly payment was made by the service provider for XXXX it was applied to a portion of the the past due amounts for XXXX, resulting in the XXXX tax payments now being delinquent. The text of the email ( account no and property address deleted from text ) I sent to the service provider last week is provided below with the details of the issue. I just called them back today XXXXXXXX ( they did not call me yet as promised ) and they said that the property tax and penalties has still not been paid for XXXX and XXXX years. To : XXXX Date : XX/XX/XXXX Sub : Notice of errors in servicing escrow loan # XXXXXXXX attn XXXX Dear XXXX, As per our phone conversation XX/XX/XXXX, this is to officially notify you of errors in servicing our escrow account for the loan number mentioned in the subject line above for the mortgage on the property located at ( address deleted ). As you are aware, this is a follow up to my previous calls to PHH in XX/XX/XXXX regarding the error and delinquent payments for the XX/XX/XXXX tax year where two quarterly payments were missed. Apparently, these XXXX tax payments have still not been fully resolved and continue to accrue penalty interest ( as shown in the " XXXX tax bill '' account attached ). The XXXX tax year bill is also now delinquent as the payment made by PHH from escrow in XX/XX/XXXX of {$800.00} ( as shown in the attached escrow account statement, and received by the town in XXXX ( as shown in the attachment labeled " XXXX tax bill '' ) for the first quarterly payment due on the XXXX tax bill ), was applied to the delinquent amount due for the XXXX tax year. PHH therefore, now has delinquent tax bills for XXXX and XXXX totaling {$2000.00} that are due. Attached are three documents : The document labeled " XXXX tax bill '' shows a delinquent amount still due as of XX/XX/XXXX of {$1100.00} which includes the tax due plus interest due, as yet unpaid by PHH. The document labeled " XXXX tax bill '' shows the town applied the first quarter XXXX payment from PHH of {$800.00} and received by the town on XX/XX/XXXX was transferred to pay some of the amount overdue on the XXXX tax bill account and was not applied to the first quarter payment of XXXX. The XXXX tax bill statement shows the " transfer '' on XX/XX/XXXX. The tax collector explained that they can not apply any of the payments received for the current tax year until the balance on the previous year are paid in full. The current XXXX tax bill therefore is now also overdue ( the first quarterly payment of {$800.00} as well as interest accrued of {$96.00} ) for a total due for XXXX of {$900.00}. The document labeled XXXX escrow account XX/XX/XXXX I downloaded from my account information on the PHH website which clearly shows no payments " actual '' made for the third and fourth quarters of the town 's XXXX tax year ( XX/XX/XXXX - XX/XX/XXXX ) and that only one payment made dated in the escrow account as XX/XX/XXXX, and show on the town tax bill statement as XX/XX/XXXX ). My wife and I called the ( name of town deleted ) town tax collector who explained to us what is summarized above and sent the current balance due statements that are attached. She stated that if you send payment for both delinquent bills in the sum total amount of {$2000.00}, the property tax for XXXX will be settled and the XXXX will be also then up to date. She said that if your escrow department has any questions, they can call her directly in the USA at ( tel no deleted ). She will not be available tomorrow but will be in on Monday XX/XX/XXXX. I look forward to your promised call on Monday to provide me with an update on resolving this problem. I also would like assurance that any interest payments made to the town for the delinquent payments caused by your errors will not be charged to my account. XXXX XXXX
Company Response:
State: RI
Zip: 02879
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A