Date Received: 2021-06-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I filed for bankruptcy in XX/XX/2018. At the time, we had a first and second mortgage. First was with XXXX XXXX and the second with Ocwen, now PHH. My husband DID NOT file for bankruptcy. He is also on the mortgages. We are trying to refinance our mortgage now that my bankruptcy is discharged. We are trying to refinance only in my husband 's name since I'm working on rebuilding my credit. During this process of the new lender and XXXX XXXX working to obtain a payoff amount from PHH, it was discovered that my husband was removed from the PHH loan in XX/XX/2018, and PHH is saying it was a modification. There was no such modification nor should my husband have been removed from the loan. In addition, we never authorized this or signed any documents. We are unable to refinance in my husband 's name until the situation is rectified. PHH removed him from the loan unlawfully.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please Note : The following complaint is meant to be publicly viewed with links included to show any and all attachments I submit with this complaint to the CFPB, by posted online for all to see. This environment with its reactive, not proactive, way of reporting fraud by submitting letters to an institution ( CFPB ) that merely funnels the complaint to the institution the complaint is on but chooses to not actually get involved in the process only favors these big banks, mortgage companies, and all others who have been and are committing fraud on the American public. It needs to come to an end. I am not playing their game. I am submitting this complaint as I will do all complaints, from a public computer. It needs to come across word for word from what I wrote and not intercepted so that my words and submission can be distorted in an effort to discredit me and keep me from exposing the fraud that I am knowledgeable of and of which I plan to 100 % share with the public. Alright PHH Mortgage Services, I am now going to meticulously pick apart and show with explanation backed with factual evidence, the fraud you have been committing on the American public for well over 10+ years now from what I have been able to determine by the brief research I am able to do with the limited resources that I have. There is no way around what this is, 100 % blatant, in your face, no doubt about it, fraud, that you, along with many other fraudulent companies and institutions, have been committing on the American public and still are to this very day. This is a HOMEOWNERS INSURANCE KICKBACK FRAUD SCHEME that I caught you in and that I was put through starting in XXXX when I filed a small claim against my homeowners insurance for water damage sustained from a clogged pipe that seeped into and ruined a portion of the carpet of the master bedroom in my home. XXXX XXXX ( complaint being submitted on them next ) sent a claims adjuster out to interview me where I was not just interviewed for the claim I was making, but was accessed for the fraud scheme I was about to be funneled in by you, PHH Mortgage Services, where you staged a default to my home loan through no fault of my own and illegally foreclosed and sold my home at auction on XXXX XXXX XXXX. The kickback that XXXX XXXX received for accessing me and delivering me up to you came in the form of increased premiums over the next 2 years by 200 % than what my premiums had been normally charged prior to being funneled into this fraud scheme. When making a claim against your homeowners insurance, the homeowner can expect their premiums to go up but not by 200 %! I believe the industry standard is, at most, 32-38 %, certainly not anywhere near 200 %. The actual evidence is what I show on attachment one to this complain. These are statements for XXXX XXXX, XXXX, & XXXX where you can see my premiums being raised by this substantial amount. XXXX XXXX is liable and shows they are involved in the scheme by the actual invoices they sent to me that substantiate the increase premium amounts that are shown here on transaction history of the 3 statements received from PHH for XXXX of XXXX, XXXX & XXXX. I will submit the actual invoices sent by XXXX as attachments to the complaint I submit to the CFPB on them next. Here though, as previously stated, I attached a snapshot of the statements as proof and for the public to view at the following link : XXXX : XXXX! XXXX So heres what I need you, PHH Mortgage Services to answer : Since you went ahead and allowed this 200 % increase in premiums for my Homeowners Insurance as evident on the attached statements, do you consider this a valid increase after a homeowner makes a claim to their Homeowners Insurance? If you agree this isnt a normal or valid increase in premiums ( as you should agree if werent for the fact you are involved in committing the same fraud and involved in the same scheme as XXXX is XXXX, than why was XXXX XXXX continuously used as my Homeowners Insurance in subsequent years after initial increase in XXXX? Do you have anything to say about the HOMEOWNERS INSURANCE KICKBACK FRAUD SCHEME that you are involved in and have been involved in for the last 10+ years? How far back does this scheme go and can you list other homeowner insurance companies that are involved in it with you committing fraud on the American public, as well? Please note this submission is also being forwarded to the FBI, the Attorney General, HUD Homes, XXXX XXXX and any other agencies responsible for regulating those operating within the mortgage industry that I feel fit to include at my discretion. This also may very well be used against you at some point in a court of law so by all means, please answer accordingly. FYI the next complaint you will see shortly involves the 3 step method being used to stage the default of a homeowners home loan ( mine to be exact ) on which you need to answer for. The method being used is all pre dependent on a period of days no longer recognized by the system as assigned to any period or month at all once they are converted from days that once were read and attributed to a particular period or month. The way you mortgage servicers are doing this is by shortening the statement period from when a homeowner is on automatically withdrawal for their monthly mortgage payment where they receive each months statement on the XXXX of the month with payment due by the following XXXX to when a homeowner is on manual payment where the homeowner receives their statement each month a day after grace period or the XXXX of each month. Payment is still due by the following 1st, but the month this change takes effect, as long as the previous month has been paid by the home owner and satisfied, these first 16 days are no longer recognized by the system as they are no longer attributed or assigned to any month at all since the current months statement period gets shifted from the XXXX to the XXXX. So these 16 days are void, blacked out, in limbo and therefore there should be no activity at all during these days but of course, this is exactly where PHH Mortgage Services commits their fraud in. They receive payment during these days ( XX/XX/XXXX ) no longer recognized by their system as will show on my XX/XX/XXXX statement, then convert my account from automatic to manual pay to shorten the statement period, and then purposely post the payment on a day that is still recognized by their system ( XX/XX/XXXX ) so that this fabricates a payment deficiency. The system recognizes payment is there as evident from the YTD amounts on the statement to be balanced with correct amount, but just doesnt know how the payment got there since it no longer recognizes XX/XX/XXXX, or the day payment was received. Then they purposely run escrow analysis on XX/XX/XXXX to covert the fabricated payment deficiency to an escrow deficiency so that they can use to on an upcoming month to lead the homeowner as to the reason their loan is in default spiraling fast forward into foreclosure. The reality is, it was all staged and the actual staged default date in the back ( XX/XX/XXXX ) where the system no longer recognizes where the current months payment was received, is the real reason for default all along and since it can never be satisfied no matter what once the auto to manual pay conversion takes place, the homeowner is doomed to fail no matter what he does to try and get his account current to save his house. This is how these mortgage servicers stage a default to a homeowners loan. This is how these mortgage services illegally foreclose and steal a homeowners home! And I will gladly show this all with substantial evidence ( with links for the public to see what is attached and not just left for these fraudulent mortgage companies and servicers to view only ) included and detail step by step the process and method they use in the very next complaint submission to the CFPB. Stay tuned. Its going to be a good one! To the American public : This will be and is a wake up call! You need to check your notices and statements. If you were switched from automatic to manual pay by your mortgage servicer and it shortened the statement period, make sure there is no activity in the days that are no longer recognized by the mortgage servicers system. If there was activity, there is a high chance fraud was committed or is being committed on you where a default to your home loan is being staged or was staged and your house will be soon be in foreclosure to be sold at auction if it hasnt already gone through this fraudulent process, in which I am sorry to bring this news to you after the fact. Its a sore subject and will always be an open wound. I went through the whole process from beginning to end and know exactly how it feels. BUT WE NEED TO STOP THESE FRAUDULENT MORTAGE COMPANIES AND/OR SERVICERS FROM COMMITTING THIS FRAUD ON THE AMERICAN PUBLIC AND TO US HOMEOWNERS ONCE AND FOR ALL. THE ONLY WAY TO DO THAT IS WAKE PEOPLE UP TO THE REALITY OF WHATS REALLY GOING ON AND TO WHATS BEING DONE TO US AT THE HANDS OF THESE FRAUDUENT SERVICERS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On or about XX/XX/2021, I discovered that the bank had stated to the credit bureaus that I was a month late. After going through the online banking app I discovered that ( they ) missed a payment I made in XXXX. It was not discovered until XXXX because I always overpay. It has been six weeks that I have been dealing with them, they have found my money, they paid it to the wrong loan, who is I do not know. They stated they have requisition to get that money back. This was not my fault, this was their error, I have shown and proven to them and theyve excepted that I have made those payments. To date they have failed to credit my account, failed to Fix my credit that has gone from excellent to fair. It is stressing me out a great deal. I am very close to refinancing my house to a lower interest rate, however, this is not gon na happen now because they will not fix my credit and adjust my loan accordingly. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to get my loan modification paperwork settled since XXXX of last year. I have paid for a notary and witness signatures on 5 different times. Each time time P h an H gets the paperwork back via overnight delivery, they find something wrong with it. In XXXX, I was told by them to send in the paperwork even though it was past the due date, just to be told when they received it that they wouldnt accept it because it was past due. ( This company only give you 4 days once you receive it in the mail to get the docs notarized, with witness sigs and back to their office, 4 days! during a pandemic. The 4th time I sent the paperwork back, they said 1 of the 4 pages that was notarized had an extra " a '' in our last name and they wouldn't accept it. The 5th and final time very recently, the rep form the bank emailed me the docs securely and told me dont worry about the due date, to just get them notarized again and overnight them back. I was just told on Thursday, 2 days after I sent the paperwork back, that they wouldnt accept it because it was past the due date! The rep himself emailed me the paperwork on Friday XX/XX/XXXX!!!! He said just send it back in, dont worry that its past the due date. Now they are telling me they wont accept my payment for my mortgage for XXXX. I have been making payments since XXXX during this modification paperwork fiasco. No they wont accept my XXXX payment. It is my belief they are dorliboritley doing this on purpose, I have {XXXX} in equity in my house and I feel they are making it impossible to get this modification done. I need help please ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I pay my mortgage through my bank, XXXX bill payment, which has a one ( 1 ) day electronic payment process. Well by XX/XX/XXXX PHH still showed my mortgage had not been paid. I telephoned XXXX and they said the payment was received by PHH on XX/XX/XXXX. I telephone PHH and they indicated that they had not received the payment. I spoke to XXXX who indicated that it takes five days to process. However, XXXX indicated that because the payment is transmitted electronically, it is sent in one day. PHH reassured me that I had 15 days to pay before a late fee would be applied, however, I'm concerned that I am being charged interest on the amount that I already paid. I then notice that on the dashboard page it showed that my payment had not been received, however, when I check the payment activity it shows it was received on XX/XX/XXXX. I've made 5 mortgage payments yet the website says I've only made 4 payment. I received an email that indicated the payment was received on XX/XX/XXXX. Then I received an email saying the payment was received on XX/XX/XXXX. Over a 30 year mortgage, the interest charges could add up if my account is not credited in a timely manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: As a result of PHH servicing errors, my account was transferred without all documents or in a way that caused me to fall into foreclosure. I was in the process of applying for a modification or repayment plan with the servicer at the time, PHH Mortgage, I was approved but my trial payment was set to begin on XX/XX/XXXX. I could not accept the offer bc I was under a stay at home order and unable to go pick up my mail & find a notary, at that time the State of emergency was at its height. I also could not accept bc I lost my job in XXXX due to COVID 19. I appealed the decision and also applied for COVID forbearance. Making that my second request and notification to the lender that I was affected by COVID. While in the middle of that process, I was given until XX/XX/XXXX to sending additional documents, my loan was transferred to XXXX XXXX. I received a notice from XXXX, A Notice of Default & Intent to Accelerate. I immediately contacted XXXX XXXX. A XXXX representative & advised him that I was unable to pay as a result of COVID. I was told not to worry that I was in a COVID forbearance & there was a halt on foreclosures. Then I started to receive letters from an attorney representing the servicer, threatening me w foreclosure. I kept getting letters & when I would call I was told not to worry. In XX/XX/XXXX I was offered a trial modification by XXXX, but I advised them that my place of employment was still closed, I was having difficulty with my unemployment benefits, as our State EDD office was overwhelmed and that based on my current financial situation I needed to stay on a forbearance. I contacted XXXX XXXX in XX/XX/XXXX and was told that I needed to call back AFTER my forbearance ended to discuss a workout option. I was receiving letters still & I started panicking. I sent in a WRITTEN request for the status of my forbearance, and to explain a letter I received in XXXX saying that XXXX no longer serviced my mortgage and had only serviced until XX/XX/XXXX. I was told someone would contact and they did not. I called again on XX/XX/XXXX and was told that I was in foreclosure, there was no record pf COVID request for help and that it was likely bc the previous servicer did not complete the process. All this is so confusing and inconsistent with what I had been told before. I was told that my loan was transferring AGAIN in the middle of my assistance request and I was no longer eligible for any COVID relief because it was too late. Most upsetting is that the servicer, XXXX, PHH, XXXX XXXX and XXXX are all subsidiaries or have joint ownership at some point or in some way and that my COVID requests were ignored and blamed on the previous servicer. I am attaching a serious of letters that I believe highlight how negligently my loan has been handled & this has made it impossible to obtain assistance. Constant run around. PHH sent me letter XX/XX/XXXX that my loan was transferred to XXXX on XX/XX/XXXX. PHH also sent me a letter XX/XX/XXXX that my loan was transferred to NEW REZ on XXXX.Then a letter from an attorney on XXXX naming XXXX as the servicer. No wonder no one has my COVID request & my requests have been lost in service transfers & errors by the servicers.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was in forbearance and my mortgage was with HUD from XX/XX/XXXX until it was sold to Ocwen FSB on XX/XX/XXXX with a Principal Balance of {$24.00}, XXXX. Payments were made to Ocwen FSB until the Principal Balance of {$5400.00} was transferred to PHH Mortgage on XX/XX/XXXX. On XX/XX/XXXX XXXX Mortgage increased the principal balance to {$10000.00}. Over several telephone calls between XX/XX/XXXX and the current date attempts have been made to find out why PHH has charged unnecessary fees totaling {$4800.00} for appraisals, inspections, certified mail and bankruptcy all of which never happened. PHH Mortgage also is claiming there is deferred interest in the amount of {$4700.00} of which only appeared once PHH acquired to servicing. During the transfer from Ocwen to PHH my XX/XX/XXXX payment was paid to Ocwen and PHH charged a {$690.00} Late Charge claiming the payment was not timely. PHH has been paid the principal balance, claims I owe a second and refuses to properly apply any payments made nor can I make payments online. I have two ( 2 ) separate detailed payments histories provided by PHH that goes back to when HUD serviced the mortgage and both are completely different.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on my loan with Fremont Mortgage on XX/XX/XXXX. I was approved for loan modification 2x in XXXX. I was approved for another loan modification thru Ocwen Mortgage in XX/XX/XXXX with trial payments starting in XX/XX/XXXX. After the trial payments Payments began. The loan modification shows {$52000.00} be removed from the mortgage for 3 years. Ocwen then turned over my account to PHH Mortgage Services, XXXX XXXX NJ who then turned it over to XXXX Collector ; XXXX ; email : XXXX XXXX has added added additional money to the new modification by going back to the original loan
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: This is my 15th attempt and complaint against XXXX XXXX XXXX and PHH Mortgage Servicers, whom refuses to correct my XXXX Credit Report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing to you once again as now I have made three trial payments on my modification, once again. The company XXXX XXXX, PHH, Ocwen are going back ion a promise and the method in which they explained they would remove my former Wife 's name. This is an outrage, I have been living with this since 2016. This was their mistake and I am being punished for following what they told me to do. I need government intervention immediately PLEASE SEE THE UNDERLINED SECTION OF A LETTER FROM OCWEN XXXX ATTACHED
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A