Date Received: 2021-08-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2021, I received a check from my mortgage company for an escrow refund. They claimed I had overpaid by escrow by {$1300.00} and they were sending me a check. I logged onto my homeowner insurance 's and noticed my {$1600.00} annual payment had been missed. The insurance payment was due XX/XX/XXXX and the escrow company / mortgage servicer forgot to pay it. This is unacceptable. The insurance on the house would have expired if I hadn't logged on and checked.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was notified that PHH mortgage Services would be my new servicer as of XX/XX/XXXX ( PHH Mortgage Services XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. ) My loan number with them is XXXX. I called PHH prior to XX/XX/XXXX to ensure that they would handle paying my township taxes out of the escrow account as they were due by XX/XX/XXXX in order to get the 2 % discount. They confirmed that they would pay the taxes out of escrow. On XX/XX/XXXX I received a delinquent unpaid tax reminder notice from my township stating that the township taxes were not paid. I then called PHH XX/XX/XXXX and spoke to XXXX to inquire about why my taxes were not paid when I was told they would be, he said they would look into it. I was told by PHH that my escrow account was only set up to pay my insurance, not taxes. On XX/XX/XXXX, I spoke to PHH again and they admitted that when I refinanced my home on XX/XX/XXXX the closing documents said escrow was to be set up to pay taxes and insurance, and that this should have carried over when PHH picked up mortgage. Finally, they said they will pay the taxes but could not promise that it would be paid by XX/XX/XXXX. I have gone back and forth with PHH since XX/XX/XXXX multiple times per week to inquire as to why my taxes have not been paid. As of early XXXX, PHH is saying that they will not pay the taxes because they are disputing a {$15.00} certified payment per year with my township. It is now XX/XX/XXXX, PHH called me today and said " the tax department left a message with XXXX XXXX and has not received a call back '' so he called with no update once again. The township taxes are still not paid and it has been 2 months since I first contacted PHH regarding this issue. About 2 weeks ago they performed an escrow analysis on my account without my knowledge and then sent me an escrow overage check in the amount of {$1900.00}, which I will have to use to pay my delinquent taxes. My XXXX school taxes are due by XX/XX/XXXX and I am concerned that they will not be paid either. PHH has not provided me with any solid updates and no progress has been made on this issue since early XXXX. I want PHH to be responsible for the 10 % late penalty and for them to reimburse me the 2 % discount. I have exhausted all of my options, emailed and called to speak to escalations managers several times and I am getting nowhere. I asked them multiple times on recorded lines to only communicate via email and they have refused, instead continuing to call me 2-3x per week with no real updates. Please advise on how to proceed because I am getting nowhere with this company and I am disgusted with their level of incompetence. Attached are relevant tax documents.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX and I was a victim of Ocwen mortgage fraud and wanted to see if you still handled these cases? I see that Ocwen lost a case with 23 states on mortgage fraud, Case Number : XXXX Due to the housing crises and loss of job and being force to take a job at another company with far less pay, I was working on modifying my loan with Ocwen before 2013 to keep my home in XXXX, Florida. eventually, I actually left my wife and kids and was forced to move to another state to make enough money ( according to Ocwen ) to Modify my loan. I was told everything was moving forward, up until the last week before foreclosure, when Ocwen stopped taking or returning my calls and emails and let my house go into foreclosure. I found out later that Ocwen told the court that they offered to modify my loan and that we refused, this never happened
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage servicer I've had for the past year, XXXX, suddenly transferred my mortgage to PHH without any notice. Neither company sent any type of correspondence regarding this change. I only noticed the issue when my regular payment was not debited on the regular date. After checking XXXX 's website, it showed my loan was " paid off '' but had no other details. 5 days later on XXXX XXXX, 2021, I see a new mortgage company has debited from my bank account without ever giving me notice of this transfer of information ( including my banking information! ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Get you hackers off me! This is a violation of my civil rights what they are doing to me! Get them out of my laptop and phones! They have no right to remote in and tie me up making it impossible to function or find work! They are purposely playing a heavy hand in " bleeding '' me out so that I don't come forward with and report the fraud you and all mortgage servicers are comitting on homeowners! Get your hackers off me! This is discrimination! They are not doing this to anyone else but me! Get your Hackers off me now!!! They have overloaded my XXXX XXXX XXXX online storage space so that it reads I am over storage by XXXX GB when I hardly have anything saved on there! They have disabled my usb drive on my laptop so that I can't save to a thumb drive and transfer files needed to report your fraud! They have disabled my keyboard so that I can't even type on my own laptop which is the only computer that I have! They have deleted every single file I had saved in my XXXX XXXX. I had all my work in there! They have no right to do this! They delete all emails I send out to seek legal representation! This is a violation of my civil rights! Get your hackers off me and I will show you all the evidence that more than shows you have a reason to be doing this to me but that doesn't make it right! Get your hackers off me once and for all! I have a right to report fraud that you committed! I have a right to work but they purposely making it so I don't obtain a job! GET YOUR HACKERS OFF ME!!!!!! GET YOUR HACKERS OFF ME NOW!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Every single day I have to spend hours of my time trying to circumnavigate these hackers who PHH Mortgage Services hired to purposely put me in a hole and hold me there so that I don't report the fraud scheme they are committing on all of America, no matter what type of home loan you have, by staging defaults to a homeowner 's home loan so that they can back out and reverse all payments and entries at the 10 year mark, where they illegally foreclose and sell the homeowner 's home at auction for exactly the same price as purchased by the homeowner when they 1st obtained their mortgage. The purchaser is none other than themselves who turn around and sell the home back into an overinflated market that their very own fraud helped to create. I purchased my home in XX/XX/XXXX for {$130000.00}. 10 years later in XX/XX/XXXX is when PHH Mortgage Services started committing fraud to stage a default to my home loan where 14 months later from XX/XX/XXXX, my house was sold for exactly the same amount as purchased, {$130000.00}, on XX/XX/XXXX. Had I not pulled an incredible feat and made so much noise the day before the auction when I called in all day refusing to get off the phone making everyone aware of the " mistake '' they were making the day, it may have not been noticed by to many people or by the right person where they had no choice but to put my mortgage back at the time where rightfully belongs, in my hands. You can hide behind plausible deniability all you want, but the mortgage statements you have on file are 100 % fraudulent and I can easily prove it. Your statements do not show the truth, that I had 3 illegal foreclosures, complete with 3 notice of sales all of which were filed in court with 3 auction dates where you illegally tried to auction off my home. The fact that these 3 foreclosures were disposed when my lawyer couldn't even reach me due to your hackers purposely hindering my communication where I could not reach him at all only shows the lengths you will go through to cover up your fraud. I would show the evidence but your hackers are once again purposely remoting into my laptop where they disabled my usb drive so I cant transfer from my laptop to my thumb nail drive so I can upload and report on a public computer. They are attached to my laptop with some device called charge 2 and will not let me disable or get that device off me. This is a violation of my civil rights keeping me from reporting fraud, obtaining legal representation and even keeping me from obtaining work that would bring in much needed funds to get me out of this hole your fraudulent organization has me in so that I don't report your fraud and be able to pay my mortgage. I already reported this to the attorney general. You are not treating any other homeowner in this way which makes this discrimination! You messed up when funneling me into your fraud scheme and it blew up in your face leaving evidence everywhere and because of uyour mess up, I'm the one that has to pay with every aspect of my life that you ruined to try and hide your fraud. I will not stop from coming forward and reporting every bit of the fraud you are committing on the American public staging defaults, illegally foreclosing on homeowner 's homes just so you can turn around and turn it into a revenue source! You are purposel6y hindering my communication and making it so I can't even communicate online with anyone about this fraud. I have XXXX and the fact you tie me up every single day having to reset passwords and then reset them again from different computers just to get around these hackers you purposely put on me is discrimination! I need to be out working! Not having to put up with this every single day of my life since you committed this fraud on me back in XX/XX/XXXX! Get your hackers off me! Get them from out my laptop and phones! They have no right to remote in and keep me from reporting fraud! This is discrimination! Quit using plausible deniability and have someone from the department commiting this fraud answer these complaints so that something is finally done!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage ( " PHH '' ) purchased my mortgaged on or about XX/XX/2021. All of my mortgage documents pre-PHH clearly indicate that my home insurance policy is not to be paid out of my mortgage account. The funds in my escrow account are only to be used to pay for property tax. On XX/XX/2021 PHH funded a check from my escrow account in the amount of {$1100.00} and sent it to my home insurance company. The amount of this check does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount. On XX/XX/2021 PHH funded another check from my escrow account in the amount of {$810.00} and sent it to my home insurance company. The amount of this check again does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount. I have contacted PHH on numerous occasions to make it clear that they did not have my authorization or permission to utilize the funds in my escrow account to pay for my home insurance. Beyond that, they made these unauthorized payments to my home insurance company on two separate occasions in amounts that do not even accurately reflect my home insurance premium. I have continued to contact PHH and express concern that they will raise my monthly payments because of the deficit in my escrow account -- which they created. PHH has failed to return any of my calls or messages in over a month. I feel I have no other recourse but to submit a claim that : 1 ) PHH accessed funds in my escrow account without authorization or permission, 2 ) PHH has caused a deficit in my escrow account which will likely increase my monthly payments due to their unauthorized access and through no fault of my own, and 3 ) PHH has failed to address any of the concerned detailed herein.
Company Response:
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The co-owner of my home was laid off on XX/XX/21. I contacted the mortgage company on XX/XX/21 to request an interest rate reduction ( loan modification ) so that I could make the payments solely on my income. My current rate is 7.25 % and that amounts to over {$1600.00} added on to the principal payment. I continually followed up with the lender via phone calls and emails and had two conference calls with " relationship managers ''. They claimed they did not receive all of the needed documents. I submitted the entire package twice. Today I was told that my request for modification was closed because a document is missing - there are no documents missing and I verified this on XX/XX/21 with the lender. No one even informed me that my request had been closed! They are intentionally and successfully stalling my request for assistance. I am going to send the entire modification package to them again tomorrow, for the third time. They tell me it will take another 30 days to review it. They should know my name and my circumstance by heart at this point. I am being honest and reaching out to the lender before my mortgage goes into arrears, and I am being ignored. I need help!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
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: XXXX is conspiring with Ocwen mortgage company to continue to re-age an old bad debt. I tried to file a dispute online but XXXX refused to accept the dispute. On XX/XX/ I sent, via certified mail, XXXX evidence/proof catching Ocwen re-aging my account by removing payment data from my credit report. XXXX has refused to fully investigate my claims of fraud, allowed payment history to be removed, allowed payment history to be reported as no data, all while presented with a mountain of evidence of Ocwen 's wrongdoing. I supplied XXXX with the same evidence I am attaching to this complaint. Evidence that includes a copy of an old XXXX credit report showing the missing information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have requested mortgage assistance from XXXX and continue to be in the process 2 and a half years later. I am continuously being asked for the divorce decree, which my mistake was sending my originals to them. To this date I have not received my originals back, and am still being asked to provide my divorce decree. I ask them where is my divorce decree original documents and of course they do not know. Furthermore I have sent the documents that I am continuously asked for just so that at the end I end up being asked for further divorce documents. I am exhausted all I want to do is resume making my monthly mortgage payments. As a homeowner in California whom has given them the paperwork they ask of me over and over and over and over and over and over again it makes the difference.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A