Date Received: 2021-07-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have applied for a Deed in Lieu with PHH Mortgage Serices Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and have not been able to resolve a title issue dispute. XXXX XXXX, XXXX whom I have never spoken to is the Relationship Manager. Someone different have call me every week to discuss issue when I have appointment calls. Because my parents are deceased and we do not want to keep the house, nor, can we keep up with the payments, we have filed for a Deed in Lieu.. My mother had a loan modification but she had a XXXX and died on XX/XX/2020. I have submitted all of the documents requested to PHH mortgage and have talked to them weekly. The Affidavit of XXXX has been submitted and approved. XXXX XXXX and XXXX XXXX XXXX are the parties to discuss Deed in Lieu. I am told that there is an encumbrance on the property which affects the title but the encumbrance is the result of the Mortgage Companies when they sell or transfer the mortgage to another company not following up and submitting the loan cancellation or the transfer of the property to the new lenders. The encumbrance reference is from a '' XXXX XXXX XXXX. '' PHH or XXXX XXXX XXXX does not seem to understand that it can cancel this encumbrance or go through the chain ot title when they purchase the paper to have all of the encumbrances cancelled. Mortgage Companies do not have attorneys working to assist the borrower. Moreover, PHH violated the foreclosure moratorium by trying to seize the property during the pandemic. An attorney in XXXX XXXX Louisiana, XXXX XXXX filed the Notice of Seizure. She is not talking to the Deed In Lieu Department at PHH/XXXX XXXX.,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Once again Phh mortgage/Ocwen/Homeq breaking the laws to hide their stealing. They charged me so many late fees for years but yet our credit report shows no late payments. WELL GUESS WHAT? Not only did we pay on time like we always do but we have perfect credit. MMMM something was wrong though and I could not figure out how they expected to get away with charging late payments and it not be reported. I figured it out after digging into their criminal cover-ups and wow this blew my mind. They use a fake account number to report to the credit bureau so it won't match. Wan na see? Let me enlighten you! I will attach the credit report for XXXX showing no late payments and I was charged over XXXX in late payment fees on my account. Never once late and they had to hide it somehow. Very smart but very criminal move they made. This is a felony and identity theft. They made up a fake number for our mortgage account and I will highlight it so you can see it. Oh, I am sure they will reply it was an honest mistake and some poor employee that worked there years ago will be blamed. The pockets that all the monetary gain goes into always find a way not to be accountable. Attached is the credit report from XXXX clearly showing a fake account number. I want charges pressed on them for identity theft. I want all the late payment charges refunded. Some of them are XXXX charges. I can highlight them for you. Attached is also proof they stole from my escrow claiming they paid XXXX on XX/XX/XXXX to XXXX school taxes. We paid the taxes until XXXX so how can they claim this on our escrow? I attached the school tax office payments, and XXXX will be happy to speak with you about their lies. Look where they messed up when copying and pasting numbers and left XXXX transactions in XXXX and then started with XXXX again. Freaking unreal. Look at where they charged XXXX for hazard insurance on XX/XX/XXXX when we had insurance. I will attach our receipts for taxes paid, insurance paid, and our credit bureau. How can you explain all this away? Just stop and show you defeated in this battle of the wills. Goodwill always prevails over bad. It's the way God made the world. Everything stolen from us is coming to the light and you being exposed for what you are. Look at XX/XX/XXXX where they charge us XXXX for a long-form. What the heck is this? Look where they charged us for locks and inspections. Look at the XXXX late fee and the XXXX late fees and the XXXX late fees. Look at all the money in suspense so they could charge us late fees. I want every XXXX from the suspense account applied asap to our mortgage. I want every fake fee returned. Look at all the corp advance fees and insurance company names on the right side. Look at where they are putting investor XXXX and pool on our report to scare us. They have now sent us demand for full payment or they will foreclose. We are prepaid XXXX and they wont apply it to our mortgage. Here is our statement. Look at where they are threatening us. Attached you will see we have prepaid XXXX and they said we are late. I am sick of it. Now we are afraid they will foreclose if we don't send them XXXX. XXXX NO. they owe us!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I continue to receive letters from PHH Mortage XXXX stating that they don't have records of my hazard insurance coverage for home during periods of time MORE THAN A YEAR AGO and that if I do not provide proof of insurance on the home during that time, XXXX Mortgage will buy insurance on my home for periods of time between XXXX and XXXX. First, I had insurance on the home during the periods missing in their mortgage records. Second, it is not my fault that PHH Mortgage did not ask me for proof of insurance in XXXX and XXXX. Third, I believe it is unfair, unjust and illegal to charge me for an insurance policy to cover periods in the past. They have proof of my current insurance on the home. I am reporting this matter to the CFPB because I doubt that I am the only customer receiving such letters from PHH Mortgage and I believe this matter should be investigated by the proper regulatory/oversight agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I called the company explaining that I was not able to pay the balance of my loan by the maturity date due to financial hardship related to the pandemic. At first, they said my only option was to refinance. I called HUD for advice and was told they had recently worked with the company to do a modification. I called the company and provided this information, and was then told yes, that a modification was an option. I started the process on XX/XX/XXXX. Today is XX/XX/2021, and still don't know the status of the modification. I have had two scheduled appointments with a relationship manager for an update. Both times, I was told that information was missing on the application. My relationship manager should have thoroughly reviewed my file before the first appointment and made me aware at that time of all missing documents/ information. In addition, you can't reach the relationship manager assigned to you. I spoke with an escalation manager regarding my concerns, she did not address my concerns. I am fearful that I will not have a definitive answer by the time the maturity date rolls around. I feel like they are intentionally stalling so that I can lose my property.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a new mortgage servicer - XXXX XXXX. They are unable to provide me a loan number so I can pay my mortgage and they keep telling me to call back. We are past my due date and my transfer date. I just want to pay! The reason I want to pay is obviously each payment lowers the principle amount therefore the interest that is accruing is less after each payment. However, now my principle is not being lowered as I can not pay so daily interest is higher! The last representative just hung up on me. I've spoken to many people. All reading from a script - no information about your loan is available. Please call back tomorrow or next week.
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: *We have filed a complaint with the state of Missouri Division of Finance. They recommended we file a federal complaint as well. Attached is a detailed timeline of all interactions with PHH Mortgage since XX/XX/XXXX. Emails, letters and screenshots available if needed* XX/XX/XXXX completed initial RMA/Loss Mitigation Package for loan modification options. Application was repeatedly denied for missing documents that were not requested of us, boxes not being checked that did not exist on the application, missing signatures from pages that had no signature line or indication they needed to be signed and illegible submissions even when documents were all typed and we sent them via fax, email and certified mail. We spoke with PHH Mortgage reps, relationship managers and supervisors almost weekly and each time we were told something different than the last. Their review process was never explained completely or consistently as each time we spoke to a PHH rep we were told something different than the last. We made our payments in our normal amount of XXXX each month during this process. We were lead to believe that when the application was reviewed we would be presented with options and able to proceed from there. Instead at the end of XX/XX/XXXX we tried to make a payment but werent able to do it online, within the PDF invoice or over the phone. A rep informed us we were on a repayment plan that no one had discussed with us and was unaffordable at {$4700.00} for 6 months beginning in XXXX. We asked for options and were told that all we can do is reject the repayment and they might consider us for something else. In XX/XX/XXXX we reached out to a HUD advisor listed on the PHH Mortgage letters. We spoke with the agency XXXX who told us we qualify for a stand alone partial claim and this can be accomplished in a single phone call. The XXXX rep joined the call and PHH told us they would not do that and we dont qualify for Covid relief so we have to get a traditional modification. We were told to reject the repayment plan in writing in order to get another option. We had XXXX phone calls with PHH in XX/XX/XXXX and each time given different information, notes and dates they provided previously mysteriously changed or disappeared. On XX/XX/XXXX a PHH rep told us there is no record of any repayment plan ever being offered or set up on our account and that there were no notes or records of letters sent about it even though we have the letter they sent dated XX/XX/XXXX when they placed us on the repayment plan without consent. We are now being told to complete a more in-depth modification application to be considered for a partial claim. We have been told we must complete an affidavit for arms length transaction and if we dont qualify for the partial claim they will do a short sale. We do not trust PHH Mortgage, we are trying to keep our house. They will not let us make a payment and will not offer transparency in this process. Since filing a complaint with the state, we have been told they need more documents from us which we have provided. We have received several door notices from OCWEN with their phone number and nothing else. No one at PHH has been able to tell us why this happens.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64015
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1.PHH foreclosed on my home without following FHA guidelines and State of New Jersey guidelines in order to Foreclose. I am requesting that each question below be answered separately and numbered separately 1. In my file it states that I completed a loan modification in XXXX, Please provide that signed agreement and the terms of that loan modification. I did not believe I completed a loan modification in XXXX. 2. Please provide proof that PHH served me with the Foreclosure complaint. 3. PHH had to prove that all deficiency with title where corrected and they were not. They also only had six years to collect the debt. Under UCC title 3. Please provide the original deficiency date of the loan and all action date to initiate and finalize the foreclosure. If the initial date was greater than 6 years please provide why PHH was able to violate the six year statue to collect the debt. 4. Under the PHH consent order it was required that PHH have an in person interview, which I did not have before they could proceed with foreclosing. How were they able to proceed with the foreclosure without this interview. 5. Under the National Mortgage Settlement Act -- it was required that PHH notify me of title issues and how they were going to correct the title issues. I never received this document and PHH was not allowed to begin the foreclosure process until they served me this letter. Please provide proof that I was served with this letter. 6. PHH created an assignment in XXXX which stated they assigned my loan to XXXX XXXX in XXXX. Please have PHH explain how could this happen when the Trust closed in XXXX, PLease provide payment that XXXX XXXX purchased the loan in XXXX and XXXX XXXX assigning PHH the servicing rights to the loan in XXXX. Please provide proof that a " Director '' of the Trust authorized my loan to be assigned to the Trust. 7. Before they could foreclose FHA required that my loan by registered by PHH into the FHA Single Family Default Monitoring System ( SFDMS ), I am requesting proof that this was completed What are the requirements for a Mortgagee initiating foreclosure proceedings? When foreclosure is necessary, the Mortgagee must give timely notice to HUD via the Single Family Default Monitoring System ( SFDMS ) and exercise reasonable diligence in processing and completing foreclosure proceedings to acquire good marketable title and possession of the Property. HUD expects Mortgagees to comply with all federal, state and local laws when prosecuting a foreclosure and pursuing a possessory action. The Mortgagee must perform the first legal action to initiate foreclosure for each state as provided in Appendix 5.0 of Single Family Housing Policy Handbook 4000.1 First Legal Actions to Initiate Foreclosure and Reasonable Diligence Time Frames. For Borrowers impacted by COVID-19, deadlines for Mortgagees for the first legal action and Reasonable Diligence Time Frames are extended to 180 days from the date of expiration of the foreclosure and eviction moratorium for FHA-insured Single Family mortgages, except for FHA-insured mortgages secured by vacant or abandoned properties. The Mortgagee must give notice to HUD within 30 Days of initiating foreclosure by reporting the foreclosure status in the monthly SFDMS report. The Mortgagee must report the foreclosure status for the current cycle or following cycle in which the first required public legal action is taken to initiate foreclosure. As part of the foreclosure proceedings, the Mortgagee must notify and serve all Interested Parties of the pending foreclosure, pursuant to state law. Unless otherwise specified by state law, Interested Parties include all condominium management companies and Homeowners ' Associations ( HOAs ) that are reflected in the mortgage loan/origination documents, recorded covenants/declarations, initial foreclosure referral and/or title search review, or made known to the Mortgagee during the foreclosure proceedings. PHH created an assignment in XXXX which stated they assigned my loan to XXXX XXXX in XXXX. Please have PHH explain how could this happen when the Trust closed in XXXX, Please provide payment that XXXX XXXX purchased the loan in XXXX and XXXX XXXX assigning PHH the servicing rights to the loan in XXXX. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I reported the illegal stealing from our account and no one is listening. Here is proof in black and white. Phh/Ocwen/homeq reported false 1098 to our taxes and then tried covering it up. They also reported fake amounts they paid in my escrow accounts which you will see I have attached. They reported fake late payments and fake NSF charges when I paid on the first. I do not have a checking account so how are there NSF charges? It's all forged. Please look at the attached documents and see for yourself. I want them to shut down and arrested for theft. Look at XXXX where they charged over XXXX for school taxes when the taxes were XXXX. This is fraud. Look at XXXX where they paid insurance twice for XXXX. Look at all the fake late payments and NSF fees. Everything circled I want a receipt for. I want copies of the checks they state are NSF. They are lying. I want everything in excel format and not this crazy format they are using. Look at the fake insurance companies and the long-form fees for XXXX XXXX. We have never gone without insurance and they forced their fake insurance and charged us. Please fine them for every mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH Mortgage Services is in violation of the CARES Act, RESPA, and FDCPA. PHH Mortgage Services has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX in direct violation of the CARES Act. Because the federally backed mortgage is stayed from foreclosure actions, there is no excuse for the actions of this servicer. In addition, PHH mortgage services has completely ignored a previous Notice of Error issued on XX/XX/XXXX, and is currently in receipt of another Notice of Error which it received on XX/XX/XXXX. PHH can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. I have not even received any statements from PHH since XX/XX/XXXX, and I have not been in bankruptcy during any of this time. When the servicer receives the Notice of Error within 7 business days of the sale date, they absolutely must cancel the salethis is the law. We have attached the signed certified mail receipt dated XX/XX/XXXX, which proves that the servicer is in timely receipt of the Notice of Error. Please see attached letter with attachments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A