Date Received: 2021-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company PHH mortgage provided mortgage services to my account but was never the lender or owned my mortgage. Phh mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but phh mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14304
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: I took out my making home affordable loan with Ocwen loan servicing in XXXX. I made payments for about a year ..although when I applied even though I did a XXXX work sheet .there were no expenses listed but my car payment and car insurance. My income has never changed as I am XXXX and recieved an XXXX check and had lodger who paid. When I was granted the loan my payment never deceased it was the same..but the interest rate dropped to around 3 percent from 6 but they added like 10 years onto my mortgage bringing the loan back to 30 years..this was not helpful but I went threw with it as I was behind in payments .and was not offered the Emap loan which would have been better suited at the start when my credit wasn't that bad as I had like XXXX XXXX equity in the house.thst loan didn't work so another was applied for in XXXX and granted. But again the mortgage amount was not reduced so it defaulted..the case has been on the court docket there was I fact XXXX surplus from the sale. My equity which was applied for then all sorts of excuses not to pay were given like. You don't get your equity in a foreclosure..to extra HUD loans not on the town hall ..which apppear with false signature of mine then signature taken away when confronting the bank who had the signature for a completely different complaint about a company I lodged with them ..then the town clerk agreed .no HUD loan then after that it appears on the town land records..the house still has not been given a release of lien from the Ocwen loan servicing LLC ... although the there is an unofficial record of sale . The bank paid the superior court the amount due. All taxes and insurance are paid in the mortgage payment. The deposit check is in the correct amount for fair market value. It's been a complete cat and mouse game with this loan company and there fraudulent practices by not making my home affordable..granting the loan twice... tacking on false HUD loans not agreed apon. Serving a notice to quit. Coming by and sending the winterization man to look at the house take pictures of the mailbox and outside of the house .then I leave the electric on too .and then they claim they could not get the fair market Value as the pipes froze..which I told the committee would happen if he did not take my keys which were given but the changed the locks anyway..and i have a huge electric bill too as without knowing if they had done their job..I had to keep the electric on..so there was no damage as they claim..they owe me the appraised value as they put me in a position by awarding the loan that wasn't the government required 33 percentile debt to income ..which never made the loan affordable..even though I worked with the court mediation program the first time .it was not going to be affordable. As I had food ..electric ..oil... gas... medical all these expenses not taken into consideration .now they refuse to give me my equity ..it 's a complete con company..Im XXXX years old living on the streets for the past 3 years of battling with the company to pay me the equity which is due and fair.
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My load was sold to PHH mortgage and they took my XXXX payment for my old mortgage company. I made my XXXX payment on the XX/XX/2021 and it was retuern to me on XX/XX/2021 and when i called to make by payment on XX/XX/2021 so it will not be late no one will take my payment over the phone and is tell my that I have a 60 day grace period that my credit will not be effect but it looks like Iowe 14mths of payment which the have made all payment before.
Company Response:
State: CT
Zip: 060XX
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen Loan Servicing was my mortgage servicing company. The mortgage was transferred to PHH Loan Servicing Company ( who merged with Ocwen ). Ocwen and PHH Mortgage are being sued by 33 Attorney Generals for allegedly charging unlawful servicing fees to their borrowers. I have approximately {$5000.00} in fees and other charges assessed on my mortgage. I have been late in the past due to a medical issue and a divorce, however, my home was never in foreclosure stage, nor my payments over 90 days late. In XXXX, my mortgage was transferred to PHH at the rate of 5.06 % and an original amount of {$150000.00}. PHH notified the credit bureau that my loan was modified and my credit rating dropped 70 %. This loan was modified in XXXX, 2008, for {$150000.00}. Somewhere between PHH and Ocwen, the loan went from a 30-year mortgage to a 45-year mortgage, unbeknownst to me ( with no balloon payment per customer service ). PHH has sent me a copy of the Modification Agreement. Now, after 13 years of paying this mortgage of approximately {$1000.00} monthly, PHH states that I still owe {$140000.00}. I am a victim of Predatory Lending by Ocwen and now PHH from XXXX-present.
Company Response:
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Re : XXXX and XXXX XXXX XXXX Acct # XXXX Our Mortgage lender : XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear CFPB, Early this year ( XXXX ) PHH bought my mortgage from the previous lender. in initial calls I had with them, they informed me I could defer making mortgage payments for 3 months due to covid 19. I accepted it under the main condition that at the end of the 3 month period, PHH would NOT ask me for a lump sum of deferred 3 months worth of payments and that instead they would ( just like many other lenders ) would add that to my back-end loan and that I would resume making my regular monthly mortgage payments. The rep from PHH assured me I had that option in the recorded call. After 3 months, since I did not hear fro m PHH, I did what a responsible customer would do. I made a payment to them and also after many attempts was able to speak with PHH rep XXXX ID # XXXX on XX/XX/XXXX. To my surprise, she informed me that " due to government rules '' PHH had automatically deferred my payments until XX/XX/XXXX and that I didn't had to make the previous payment. She went further-on and assured me that once again these deferred payments would be added to my back-end loan and that I wouldn't be faced with a hefty lump sum payment come XX/XX/XXXX. After receiving conflicting letters from PHH, on XX/XX/XXXX I spoke with XXXX XXXX ID # XXXX. To my shock and surprise she then informed me that my plan somehow was not in the forbearance plan and that I had to make a lump sum of $ XXXX payment!! when I asked her about the recent letter I had received from PHH about $ XXXX lumps payment, she had no answer. After this call, I tried many times and this time they assigned me to an escalation manager : XXXX ID # XXXX. She provided me her number of XXXX ext XXXX. She refused to provide me with her email address. After a lengthy conversation, she said she was going to look into this matter and that she would follow up with me. After playing phone tags few times, despite many emails I sent to her department and voice mails I left her, she has thus far refused to call and speak to me. In my original conversations with PHH, I obtained assurance from their agents that these deferred payments would be added to the backend of my loan and that they would not ask me for a lump sum of payment when deferment ended. If that was the case, I would have never signed up for it. Working with PHH, it's XXXX and also their other email of XXXX has been a nightmare for me and my family. Only thing they reply is a generic email. They do not bother to call me to help. their agents are extremely difficult to work with with zero transparency. once again to my surprise, I recently received a letter that they have now deferred my payments until XX/XX/XXXX????? without my consent!! they have further gone and reported late payments to my credit!!! Their actions has and keep causing me and my family much stress and difficulties on top all the hardships we face due to covid XXXX they have made it very difficult to work with them. every time I have spoke with different people fro PHH, Im provided with conflicting information. I ask you ( CFPB ) to please step in a help us. Thank you your time ( CFPB ).
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been paying 11percent interest on {$18000.00} loan for the past 21yrs, I have paid roughly {$46000.00}. on this loan, they keep changing loan companies every time I start to pay extra on my principal payments this is XXXX XXXX c/o PHH Mortgage service and others
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We refinanced want now have PHH and our mortgage servicer. Recently my husband XXXX XXXX received 100 % total and permanent XXXX from the VA. That means that in TX we dont have to pay property taxes. I contacted PHH mortgage and asked for a review of the escrow acct to have the payment adjusted and get a refund of over {$5000.00} for the escrow overage we now have. PHH rep told me that the payment had been adjusted and that a refund check was going out in a week. I follow up with another rep a week later and they are telling me that they only partially reviewed the escrow acct and they have not issued a refund. I explained that a refund is owed because there is now a huge overage in our escrow acct for taxes that we no longer owe. PHH mortgage alread is aware of this because they already adjusted our payment but are not refunding our escrow for this amount. I talked to a supervisor and he told me he would call back no one has. They are holding our money
Company Response:
State: TX
Zip: 78410
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Problem with customer service
Subissue:
Consumer Complaint: CFPB ID XXXX-XXXX I do not agree with the actions taken by the PHH Mortgage company to resolve my previous complaint number XXXX-XXXX. They stated in a letter sent to me on XX/XX/2021 that they would issue a Check of {$600.00} by over night delivery for the replacement of lost stock certificates. They gave me a tracking number for the check. I called XXXX to find out about the tracking number and was told that XXXX never received that package to forward it to me. When I called the PHH Agent and told them about not receiving the check I was informed that the PHH research department would contact me. Well I got a letter from the PHH research department requesting that I provide them with information about the check, and to send them a copy of the check. Common sense in the part of the PHH research department is surely missing. I just finished telling anyone who would listen, at PHH Mortgage, that I havent received their check for {$600.00}. Please help PHH understand what this entire situation is all about. Simple solution is to nullify any check they thought they had sent and issue a new check for {$600.00}.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This issue has been going on for 10 plus years! PHH mortgage has made several accounting errors and has put fees onto my loan to compensate for their mistakes. In XXXX There was a fire where I live and I called to see if I could make a payment possibly 2 weeks late due to a hold up on an escrow. I was granted that request by a forbearance. I was able to make my payment in a little over a week but was denied because I was in a forbearance. I was held in this forbearance for approx. 11 months and during this time was sent into a foreclosure and charged fees for such. during this time it was found out that PHH had not been collecting my property taxes as part of my impounds as my loan paperwork had stated and so since I could not come up with the back taxes they said they could put that amount on the back of my loan with a modification. The paperwork was sent out in someone else 's name however my property address and I was told I must sign the paperwork or they would sell my property but they could fix the name and the fees afterwards. Also I must agree to have the impounds for taxes included in my payment which was not an issue since I had set it up that way in the beginning. modification done. never was the modification paperwork fixed. around XXXX I get a notice that my property taxes were not paid. I contact the bank and it is confirmed that they had not been and I start receiving new payment amounts to include those back taxes which of course I can not pay because I did not keep money for taxes I thought were being paid yet again. During the time figuring this out I was sent into foreclosure yet again and thee property was due for auction. By the way the same person was sending me out notices posted to my door, the same name as last time however all the notarized documents has different signatures to the same name. Fraud I would say. Finally after contacting a administrator in the company she was able to get things straightened out however only to stop the sale and again the back taxes were added to the back of my acct and the fees were supposed to be removed and my credit restored. The credit was fixed however 5 years ago I found out the fees were never taken off my acct. I found this out when the bank tried to breach the previous modification they had done on my acct and I had to write to your agency again for help which did solve the problem and everything was reversed yet the fees has to be ok 'd and taken off by another department which I was told would be done and guess what??? Right never done. I am trying to pay off my house and I would like these fees which amount to around $ XXXX to be credited to my acct as you previously had arranged and XXXX XXXX from PHH agreed to and it has not been done. This company is a predator and has tactics that are fraudulent to the consumer and unlawful they should really be shut down. I just want to be free of them. I am a XXXX woman who has worked her tail off to be free of these monsters and I just want these foreclosure and attorney fees credited back to my acct as promised several times and never done. I want to pay off my loan. Please help again! Also I have boxes of every letter every notice on this situation. Thank you.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I lost my job due to covid and elected to enter into Morgage deferred payments for a year now. Im trying to get help with a loan modification but my loan officer will only offer more differ option. We want to pay and need help but are not getting contacted back or given options. Furthermore I think our loan officer is based in XXXX and has no financial background to help.
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A