Date Received: 2021-09-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had a phh mortgage loan, i called for a payoff quote which i recieved and was approved for a refi thru phh, i wasnt allowed to make a monthly payment due to the payoff quote at which point phh said my monthly payment was late but i wasnr allowed to pay it, then they turned around and said the had to deny the refi due to the late payment which was due to phh, I'm out {$500.00} for the home appraisal and not i have a late charge on my credit report which is causing me to not be able to refi with XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX I received a notice from XXXX XXXX XXXX that my flood insurance coverage was insufficient by {$23000.00}. I immediately filed for an increase on my flood policy from {$190000.00} to {$200000.00}. I was unable to increase it by the requested {$23000.00} as it would have exceeded the percentage of value guidelines. I immediately faxed the declaration page showing the increase to XXXX. A day later I had the flood policy amended to show the change of mortgagee from XXXX to XXXX as the change had not been made whenever they switched over. Last week I received a bill from XXXX for {$110.00}, for forced place insurance in the amount of {$23000.00}. When I called and got through to a manager he told me that my earlier 2 faxes had been received but never transmitted to their insurance department. I believe this Company is engaging in false and deceptive practices by force placing unneeded insurance on their mortgage clients. I am a licensed insurance agent and wrote my own policies so that although I am a senior ( age XXXX ) I was able to respond to this request quickly and accurately and professionally.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recieved exception on my property taxes on XX/XX/2021 from XXXX County Auditor office through Homestead. I contacted PHH Mortgage and faxed them the certificate on XXXX and again on XXXX. I followed up with a call on XXXX and several times after that. they for whatever reason are refusing to adjust my property taxes.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Reviewed credit report & found several discrepancies. PHH mortgage services, DBA XXXX XXXX c/o PHH in North Carolina XXXX Formaly known as Ocwen until XX/XX/XXXX as they had been Banned from DB in NC and multiple other State throughout USA for the same practices that their affiliates seem to use the same template. XXXX Ocwen transferred to another Co PHH, I paid the last payment in XXXX for XX/XX/XXXX. XXXX, never recorded to new debt collector. Company continue to report negative incorrect payments on credit reports,. Disputes with retaliation from Company. Fact Disputed 30 day late fir XX/XX/XXXX, hHave had NO late payments. This resulted in removing the XX/XX/XXXX & marking XX/XX/XXXX as late! This payment for XXXX was posted on XX/XX/XXXX. I can not dispute online anymore and Im fed up with constantly spending time on this and all the fraud this company and all their affiliate bullies continue to practice. I would like for this to be resolved. Thank you XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a 2nd mortgage on my home that was with Ocwen mortgage co. and it was sold to PHH mortgage in 2019. I have been paying this mortgage with auto payments through my bank, but the last 5 payments have been returned. When I contacted PHH, I was told that the account has been foreclosed and the representative did not know why. I was told to contact PHH by mail because there was no one that I could speak with. I am contacting you to find out the next step.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My complaint is about our handling of our mortgage by PHH Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX. We closed on our mortgage in XXXX of this year with the first payment due XX/XX/XXXX. That first payment was debited from our bank account on XX/XX/XXXX and was paid to XXXX XXXX. The original mortgage was to XXXX XXXX, and I don't know if between XXXX and XXXX it was sold to this XXXX or not. My next correspondence was to PHH Mortgage who I set up an autopayment to begin on XX/XX/XXXX from our account at XXXX. I saw on my account page on PHH that the payment for XXXX was not showing. I called them in early XXXX and was told that they were investigating and for me not to worry. Obviously they were not investigating very hard because when I did not hear back, I contacted XXXX and they told me they had sent that payment to PHH and provided me with the XXXX tracking number that showed it was received and signed for on XX/XX/XXXX at PHH. I contacted PHH and gave them this information along with a copy of my bank statement from XXXX showing payment. Nothing has gotten done. We have made numerous calls to PHH and no one has ever contacted us. I am sure that they feel we are pests, but after a month and a half something should have been done. In one of my emails that the did reply to, they stated that the auto pay for XX/XX/XXXX would not occur due to the fact that we were in arrears for XXXX. In another 15 days the payment for XXXX will be due. We have provided PHH with everything that they have requested and nothing is being done. We need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I logged in to the site to pay my mortgage only to see a new {$7.00} service fee for online payments ( and apparently automated phone payments as well ). This had not been previously communicated. After some research on the site, it appeared to be tied to having not signed up for " paperless statements ''. This is something that was never encouraged, communicated, or made easy to figure out how to enable. However, once selected, it warns that it may take up to 3 days to take effect. There is no warning the service fee won't disappear. A call placed to the company offered only 2 real options - 1 ) pay a service fee to make and automated phone payment, or 2 ) talk to someone about refinancing my mortgage. After several loops through the phone tree, I disconnected without resolution. After logging in several more times on XX/XX/XXXX and XX/XX/XXXX still seeing the service fee, I eventually paid the mortgage and the service fee to avoid a more costly late payment fee.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have corresponded with the CFPB many times about our problems communicating with PHH Mortgage/ Ocwen Loan Service . There is contradiction from XXXX who acts for PHH/Ocwen . XXXX XXXX wording in his email XX/XX/2021 you will not receive any response directly from Ocwen Financial Corporation and you are advised that I also act as its attorney. There are too any words in Mr.Messingers response to the CFPB that are confusing to us like we have never said what we want. I will spell this out clearly.CFPB can you ask XXXX to respond that we understand. Yes we have asked for {$540000.00} I will sit down to meet with PHH/Ocwen talk on the phone zoom whatever way they want to communicate. Why talk I disagree that Ocwen did not do any wrong. XX/XX/2021 Mr.Messinger wording in his letter I have found no basis upon which PHH/Owen would have an obligation to pay you anything let alone {$540000.00}. I will stop this crusade and will except {$350000.00} That is what we want. There it is said clear dont ask again what do we want please. I will send a formal letter if needed by PHH/Ocwen . I will wait and hopefully XXXX will communicate to the CFPB that we know what XXXX wants. If there is no clear response we will take legal action. Respectfully to all, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was with Saxon in XXXX. Saxon sold to Ocwen. We had a variable loan and knew we had to refinance to a fix, but at the time the market crashed and the value of our home plunged. The county blocked jumbo loans to refinance. We were stuck. Saxon sold to Ocwen. This was when all our problems started. Our loan started out around 2.5 %. Every six months Ocwen raised my interest rate. The contract stated the cap was 2 % over the federal, At one point, the interest rate because 9.7 %. We were struggling to make the payment. Three times we filed for modification - denied. We had to file Chapter XXXX bankruptcy in XXXX. During this time Ocwen 's record of payments were not accurate. Ocwen sold to PHH Mortgage. We now had a bigger issue. Payments were not being recorded correctly. In XX/XX/XXXX, my husband passed away. With the life insurance, the bankruptcy was paid off according to what Ocwen had filed that we owed. I was discharged and the case was closed. Or so I thought. They didn't honor the discharge. They have rejected my payments by returning them. They have threatened to foreclose. Even after sending proof that all payments were made, they refuse to accept the proof. I've asked them repeatedly to explain how the payoff was applied to my account. As of yet, no answer. The amount of interest paid in XXXX was not accurate ; they refuse to give me answers again. There is a list of 20 issues of concerns and supporting documents too large of a file to upload, so a CFPB agent suggested that I mail the list of concerns and supporting documents by mail. My agent was SO knowledgeable and supporting, that I cried from renewed hope.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A