Date Received: 2021-05-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Regarding XXXX, XXXX PHH Mortgage Services, Mtg. Loan No. XXXX. I applied for and received an initial COVID19 forebearance, although I never got behind on my mortgage during this initial period of 3 month XXXX or XX/XX/XXXX. After the first period expired, because we were still under pandemic and few people had gotten shots in XX/XX/XXXX a representative of PHH Mortgage Services called me and extended the courtesy of extending another 90 day period of Covid19 forebearance of which I went through the steps and accepted. I paid XXXX 's payment late because knowing I had the forebearance and nothing would report negatively on my credit bureau, I was about 45 days instead of under 30 days paying this payment. I got caught up on outstanding debts in XXXX and paid XXXX 's payment around XX/XX/XXXX or XXXX and then paid XX/XX/XXXX payment around XX/XX/XXXX which my account reflects this and show a due dated of XX/XX/XXXX. When I checked my credit PHH has reported my mortgage payment delinquent for XX/XX/XXXX. I called them and advised them they offered and I accepted the COVID19 forbearance for new 90 day period and they were not supposed to show my account delinquent. They then advised me I was NOT under XXXX forbearance. I asked them " how could this be? '' when they called me and we took care of putting the forbearance on my account per their discretion. They were rude and put me on hold and never came back to the phone. I am very upset about this reporting especially because they extended the " olive branch '' and offered me another forbearance just in case I needed it and now they have not put it on my file and have wrecked my credit bureau file. I need this fixed and I also need a complete payment history of this loan form XXXX through current because something is wrong. This loan is over 18 years old and the balance is up not down. the principle balance started at {$52000.00}. and is currently {$54000.00}. I don't understand. I know I had a medical hardship, and I struggled for a while, but payments were being made.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, I would like report a shady mortgage company that has apparently acquired the interest to my mortgage debt. PHH Mortgage purchased my loan from XXXX less than 2 months after our most recent refinance. We had never even heard of the company, but suddenly we were having to deal with them. The URL listed on their mail did not resolve and sounded like a scam address. They continue to email and mail me without any unsubscribe method. Their CEO calls me and leaves enthusiastic voicemails about the refinance market. Its obviously a mass call. Surely there must be some recourse : we did not choose to enter into business with this company, now we have to open their spam letters and calls without any unsubscribe method.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 92691
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2020 XXXX XXXX XXXX signed paperwork for a reverse mortgage through PHH Mortgage Corporation. She received {$10000.00} on XX/XX/2020. XX/XX/XXXX, her body was found and she was deceased. I was unaware of a reverse mortgage, Residing, in another state so I was contacted by the coroners office to claim her belongings. upon arriving two days later, I sticker was placed on the front door just under the coroners sticker, stating the locks would be changed and no one could rent or purchase the home. contacted the number of the collection company for further details. Since I had no knowledge of this, I was unable to obtain information. Off the bat I was asked what I did with the money, the search of her records began. the prior week had been 116 degrees. Mom 's Air conditioning unit had leaked Freon, hence, her XXXX XXXX XXXX XXXX. A list was given to fill out to receive more information, Death certificate, fill out a letter of intent. There was no certificate at that time, I was not going to sign anything, considering we were in the middle of a pandemic and my state had shelter in place orders. They were notified of an impending probate, so they let me know that I bought myself some time. Probate was released XX/XX/2020. An emeil was sent to request a payoff for this second account for a reverse mortgage, was not aware of the first one taken out as well. In my search of her records, Bank accounts were located, she did not touch the money she was going to use to payoff her brand new air conditioning unit with the money she received. Not knowing what I am looking at when the reply arrives, I hit the floor ... at that time it was XXXX.. since then they have tacked on fees and surcharges for someone to check on the property each month and it has grown. her first reverse mortgage was paid off XX/XX/2020. I have absolutely no knowledge of how this works so, it did surprise me that the month of XXXX she had two open at the same time. I did receive an annual statement and that stated that the balance owed was {$45000.00} payable within 10 days ... If she only took {$10000.00}, only had the loan for two months and I would love to return what she drew on and have them release her home from a lien and me moving forward from this catastrophe. I have no source of income, my husband was XXXX XXXX as a XXXX in the XXXX XXXX XXXX XXXX, I was employed by him as the XXXX XXXX. That tanked two years ago. We are truly struggling, all I could do is reach out, to a third party since they require a letter of intent be signed. Please look into this matter, I am petrified of losing her home as well as mine. I was hoping to rent it out for some income, the stickers that are placed on the property are a very good deterrent. Also, I would like to add, there information was given to my counselors handling the probate which started in XXXX of XXXX No response, I would think that information would be submitted instead of being placed on the property. My address was given, phone number. Not sure how long this will continue if no other agency steps in.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have now contacted our new mortgage servicing company, PHH Mortgage Services, 4 times since XX/XX/XXXX, with regards to why their company has failed to pay our property taxes from our escrow account. These are county and township property taxes that were due at the end of XXXX. I am attaching the two notices of delinquency on these taxes to this complaint. The money to pay the taxes in question has been present in the escrow account since before the initial delinquency notice of XX/XX/XXXX. In four different, frustrating and lengthy phone calls, I have received no better answer from PHH than " my documentation and concern has been to submitted to our escrow/taxes department '', even when requesting an escalation from the representatives. I was told explicitly that I could not be transferred to this department, and that " they were going to take care of it, along with the now accrued late penalties and interest. '' Never was I allowed to speak to someone who could solve this problem. As of date of submission of this complaint, I have confirmed with the relevant local tax office ( information attached ) has not received payment. I have exhausted my options with PHH 's ridiculous customer phone service, and I now asking for solution through this filing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sent a XXXX XXXX letter with XXXX and XXXX payment for my mortgage with PHH, Check number XXXX in the amount of XXXX. Received by PHHon XX/XX/XXXX and signed for by XXXX XXXX. Today is XX/XX/XXXX and the check has still not been posted to me account, I have emailed XXXX XXXX, account manager and XXXX, 3 TIMES and have received no response. None. I have called four times to speak with an agent and I am told to be patient. This is the most disgusting company, completely unethical. I am on hold now with agent XXXX, an escalation manager asking why it has not posted. He explained it is with the ombudsman department and the funds are in suspense. Cashiering has not processed. This is unacceptable. The agent XXXX said he will call me back 3-5 days which I said is unacceptable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I hired Attorney XXXX XXXX XXXX to represent and defend me in a wrongful foreclosure and wrongful Eviction against XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX was negligent the entire course of the case. XXXX XXXX fail to present or argue anything that he had written in his complaint. This is what the defendant attorney had to say in her conclusion, plaintiff failed to state a single viable claim against Defendants. My case was dismissed even though it had run from XXXX XXXX thru XXXX XXXX and had been set to go to trial XXXX XXXX, XXXX XXXX asked that the case be dismissed. He has never informed me that the case was dismissed. I called, email and nothing from XXXX XXXX or XXXX or the courts, even unto this day. XXXX XXXX presented ten complaints in my case with exhibits A-G, out ten complaints four were violation of Civ. Codes but he never defended any of them. Out of all the conference meetings, there were only Demurrers by the defendants. In reading the court documents I saw that most of the time XXXX XXXX nor his assistant were there for the Conference meetings ; he or she would be on the phone. Surplus money ; Attorney XXXX was hired to get my home back. I asked that the surplus not be file because I had been told if I get the surplus I could not fight for my home. However, I did sign to get the surplus in case I lost my home. XXXX XXXX applied for the surplus immediately and it was issued to him on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX, XXXX in the amount of {$340000.00} in my name. XXXX XXXX deposited the check and issued me a check in the amount of {$240000.00} and kept the balance of {$100000.00}. I believe according to CA law the pay to get a surplus is from XXXX to XXXX dollars. If you will notice there has not been a trial, not even a preliminary. He has not done. I came in contact with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX headed up by XXXX XXXX who claimed they could help me with my foreclosure and they had the lawyers on hand and I hired XXXX XXXX XXXX XXXX XXXX XXXX. The Contingency Fee was signed under XXXX. XXXX See attached ) All my information was taken over the phone and a notary public came to my home to have everything notarized. I never met attorney XXXX XXXX, I asked to but never allowed to. I had very little contact with these groups. Mostly the XXXX was trying to get me in a reverse mortgage with what little money I had. XXXX & XXXX supposedly work together, it looks like XXXX XXXX runs the show. The XXXX was supposedly working to get you a place to live in case you lost your home while the XXXX is working to get your home back. As I look back, they both were working to get the surplus only. Once they got the surplus the game was over. I paid this loan consistently on time without having late fees each month from XXXX XXXX until XXXX of XXXX when I was transferred to Ocwen Loan Servicing, LLC. I had the same consistency with Ocwen until XXXX of XXXX, when I ran out of money. I tried to get a modification three times and Ocwen refused me. Two of the modification were submitted to Ocwen by a foreclosure realtor and an attorney. The case was filed XX/XX/XXXX. During the preliminary court I knew nothing that went on, XXXX XXXX never reached out nor XXXX XXXX. They did not give me the case number the only way I knew that the court was going my granddaughter and I went downtown to XXXX XXXX courts and she found the case number. We tracked the case on the internet and saw that it was mostly hearings on demurrers. This is from the defendant document ; Ocwen serviced XXXX XXXX ' Loan on behalf of the beneficiary XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX MORTGAGE XXXX XXXX XXXX MORTGAGE PASSTHROUGH CERTIFICATES SERIES XXXX ( " XXXX XXXX This should not supersede my contract which was before this transaction. ( see attached ) This is what I found on the web ; ( I noticed that, on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the Company ) entered into a Pooling and Servicing Agreement dated as of XX/XX/XXXX XXXX the Pooling and Servicing Agreement ), by and among the Company, as depositor, XXXX Bank, XXXX. XXXX XXXX XXXX, as seller and servicer, and XXXX XXXX XXXX XXXX XXXX, as trustee ( the Trustee ), providing for the issuance of the Companys XXXX XXXX Mortgage XXXX XXXX XXXX ( the Issuing Entity ), Mortgage Pass-Through Certificates, XXXX XXXX ( the Certificates ). The Pooling and Servicing Agreement is annexed hereto as Exhibit 4.1 ) Pass-through certificates are fixed-income securities that represent an undivided interest in a pool of federally insured mortgages. I had no knowledge that I was a was in a trust for XXXX Bank. When I was transferred into Ocwen I was not to be affect any term or condition of my mortgage contract. XXXX violated their contract with me by taking my loan and putting it in a trust with XXXX Bank. My loan with XXXX was prior to this pass-through certificate. My loan begins in XXXX and this pass-through begin in XXXX. I was given notice of a foreclosure date for the sale of my property which was to be held on XX/XX/XXXX. I did not hear anything from any one whether it had been auctioned off until about two weeks, when a man name XXXX XXXX came to my door said he was representing a third-party group who brought my property, he would not give me the name of the party. The property was supposedly have been foreclosed in CA XXXX but the deed was signed in Georgia on XX/XX/XXXX. According to CA law the deed must be signed in the county in which the property is located. This property is a duplex located in the state of California it is one house with two addresses on the same lot, two units. It is my understanding once the bid has been accepted the payment is made on that day and the buyer claims the property at that time. If the property was foreclosure on XX/XX/XXXX why was not I notified immediately nothing was said to me until the deed was signed in Georgia? To this day I have not seem any document of the foreclosure. On XX/XX/XXXX the harassment begun. XXXX XXXX, came to my home and told me that a third had-party had purchased my property and asked me what were my plans. I told him I had an attorney that was handling that, he asked why, I can get you a better attorney. He continued to talk until I told him I was not interested, then he left he went across the street and gave a card to gentleman name XXXX XXXX, I assumed he was his lawyer. XXXX wanted to give me XXXX XXXX dollars to move. I refused and told him to leave after about three times of leaving and coming back, he left for good. A little later XXXX came back with a locksmith to change the locks on the vacant unit. I told him if he did not leave, I would call the police so they left. Early the next morning he came back with the locksmith and changed the locks. He came without any permission or a sheriff, no official person had contacted me nor was I ever contracted. That same evening an old man, who look like he came off the street, came and blocked my driveway. He sat in his vehicle all day every day until someone let him inside of the unit. He moved in but still keep the driveway blocked. On the second day some young men came and parked behind the old man car. ( two cars blocking ) They got out of their car and begin to walk up and down the driveway laughing loud and drinking something in cups however they left in a few hours and never returned. People were in and out of the unit all the time. For the next two months we are blocked and can not get out. This old man did everything he could think of to harass us. He went as far as letting off stink bombs. We had to send out to get what we needed. If this was a true foreclosure why was this going on. All they had to do was to show me a true deed or had the sheriff come and put me out. Never did an official come out on their behalf. While all this is going, Im calling XXXX & XXXX for help, sometimes XXXX XXXXaralegal or someone in the office would give some advice but no one demanded that these people stop harassing us and leave. NOTICE to vacate the property On XX/XX/XXXX, I get a notice to vacate the premises by XX/XX/XXXX. The notice was stamped in an office in XXXX XXXX. When I received this notice immediately went to that office where this notice was signed. I asked the officer on the desk did they send out notice to vacate. He said no, it is done at the office down the street or downtown XXXX XXXX. see attached The selling of the property and many deeds See many transactions while the case is still in court On the XXXX deed shows only one address XXXX XXXX XXXX is it legal to sell half of house in Ca? I looked up address for XXXX and it shows no property owners found? My credit score was not affected in facts it has grown. According to XXXX, for borrowers with a good credit score, a foreclosure can drop your score by 100 points or more. If your credit score is excellent, a foreclosure could reduce your score by as much as 160 points. Typically, it will take three years or more of on-time payments to restore the credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, XXXX of PHH Obudsman states that I disputed my XXXX Credit Report, in which is untrue. XXXX XXXX swore that the information she provided was true to XXXX. Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To : CFPB Date : XX/XX/XXXX LOAN # : XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX CA. XXXX I write with regards to the above referenced property to which PHH Mortgage/XXXX XXXX is the Mortgagee. APPROVED FOR LOAN MODIFICATION In the month of XX/XX/XXXX, I was contacted by PHH Mortgage congratulating me and advising that I have been approved for loan modification. I was further advised that I will receive the approval letter in the mail. The approval letter dated XX/XX/XXXX was thereafter received. By the approval letter, I was placed on a three [ 3 ] months trial plan starting XX/XX/XXXX through XX/XX/XXXX for the monthly payment of {$3800.00} I immediately called PHH and this was once again confirmed to me over the phone and subsequently I signed the necessary documents to ACCEPT the OFFER on XX/XX/XXXX before the deadline of XX/XX/XXXX. Thereafter I made my 1st trial plan payment. I inquired and was advised that the terms of the loan modification will be contained in the permanent modification offer. As a matter of fact, I received TWO APPROVAL letters from PHH both are attached as EXHIBITS 1 and EXHIBIT 2. My ACCEPTANCE is attached as EXHIBIT 3 and my first trial plan payment is attached as EXHIBIT 4 Based upon this approval I began some remodeling work on the property and further remodeling planned but now placed on hold due to subsequent event mentioned below. DECLINED FOR LOAN MODIFICATION I was therefore surprised when I received another letter [ dated XX/XX/XXXX ] from PHH advising me that I was declined for loan modification. I called PHH and I was told that an error was made in offering me the loan modification. I explained to the representatives that I spoke with PHH several times before the loan modification was offered. During that period of calls and discussions with PHH, I was advised that my loan was being reviewed for loan modification and that I will hear from PHH when a decision was reached. It was thereafter that I was contacted by PHH advising of the approval for loan modification and subsequent upon that an offer letter was sent to me which I accepted. I also advised that representation from PHH that as a result of the approval, I have begun some construction work on the property and offered to send pictures in proof. EXHIBIT 5 I appealed this decision and received a letter from PHH stating that approval for loan modification was in error. Attached and marked EXHIBIT 6 and Exhibit 7 are PHHs denial letter and letter referring the matter to their foreclosure attorney. Exhibit 8 is letter from PHH stating that their previous approval was made in error. Letter from PHH states that I have a financial hardship. I have responded that at no point in time did I say I have a financial hardship which will hinder me from accepting or making my monthly payment on this loan modification. PRIOR EVENTS In XXXX of XXXX, during the pandemic and while there was still a moratorium by the government on eviction, foreclosure proceeding notification was posted by PHH through its attorney on my door. The letter notice advised of foreclosure sale date of XX/XX/XXXX. I called PHH and was advised that that was also an error and should not have been done. EXHIBIT 9 Also, during the early period of the pandemic in XXXX, I was constantly called by a gentleman who claimed to be an Agent from PHH and who advised that he had been sent by PHH to come and inspect the property. I had declined then advising that I could not allow an outsider into my home and thereby risking my family being exposed to the covid virus REQUEST I am appealing to CFPB to help reinstate the loan modification offer. PHH had put my family and I in too much hardship on top of the hardship already experienced by my family due to the covid-19 epidemic and the loss of three close family members during the pandemic. The burden and the grief on everyone is a lot and having to go through additional hardship by PHH is really unbearable I am in a position to pay my mortgage and I have advised PHH about this several times XXXX XXXX EXHIBITS 1 Approval for loan modification letter 1 EXHIBITS 2 Approval for loan modification letter 2 EXHIBITS 3 My acceptance letter/form EXHIBITS4 Trial plan payment cashiers check EXHIBITS 5 Proof of construction on the property EXHIBITS 6 PHHs loan modification denial letter EXHIBITS 7 PHHs letter referring the matter to their foreclosure attorney EXHIBITS 8 PHHs letter stating that modification offer was in error EXHIBITS 9 Foreclosure Notice posted on my front door in XX/XX/XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Good Morning, Please be advised the PHH/ XXXX violations totaled in the amt of {$27000.00} I have provided a breakdown of those violations. Pls excuse the lenghty description. Due to your storage restrictions, I am only able to provide a small selection of photos of the PHHXXXX XXXX violations. There is a larger amount of violation photos now in the possession of the State of NY Office of the Attorney General. Aso the NY State Financial Service. I have been trying to clear up issues with PHH Mortgage Services for several years now. There are also documents / and some pictures attached to this, showing what the property looked like before my hired independent contractors did work on the property & what it looked like after our hired contractors did work on the property. I am also hoping to upload the e-mailed documentation I sent to PHH Mortgage Services listing each item on the Payoff Sheet I have a dispute about. PHH Mortgage also removed the family pool on the property and filled in the area with dirt without prior permission or communication to our family. PHH Mortgage Services also had XXXX / contractors entered our home, and we found all our dusty furnishings carelessly piled up in the rooms as you will see in the pictures. Our front door was padlocked our original lock removed. We had to put up signs / notices on the front door to insist we be contacted right away and we did not want anyone trespassing on our property and in our home & to stop all work. We then received a phone call from someone claiming to be working on the property and they said they will cease and desist all work on the property. All this occurred while the property was in probate. PHH Mortgage Payoff Sheet included : PHH claimed ... .. Carpet installed ( {$1400.00} ) Our physical observation there on site indicates and pictures show no new carpeting was installed any where in the house. The carpeting on the steps leading to the lower floor is the original carpet that was in the home. PHH claimed ... .. house cleaning done ( {$230.00} ) Our physical observation there on site indicates there was no house cleaning done and have pictures to show and invoice to show. We had the home professionally cleaned XX/XX/2019. PHH claimed ... Debris was done ( {$2200.00} ) Our physical observation, we had debris removed by our contractor both inside and outside of the property. In addition any previous work done on the property was not authorized by the family. In addition, it is our concern there was potential damage to personal items in the home as there were furniture & other objects carelessly stacked up and moved from their original locations in the house. We have photos and documents from the contractor we hired to clean & remove debris within the home. PHH claimedDoor locks/s ( {$92.00} ) Upon view, all locks were changed by my family. The house was in probate and we were informed by our attorney in XXXX NY when we could enter the property. PHH claimed there was grass cut ( {$3700.00} ) All outdoor grass and grounds were handled by the family contractors. PHH claimed a lockbox was installed ( {$35.00} ) No prior authorization was given from the family regarding this action with pending probate in place. PHH claimed Pool Maintenance was done ( {$2000.00} ) Our physical observation during the probate process. We noticed the pool was removed without the family 's consent, nor any communication of intent to remove the pool was given. PHH claimed .... property cleaning was done ( {$300.00} ) All ground maintenance was handled by two contractors hired by the family. PHH stated there was property preservation ( {$140.00} ) It is not clear what this is.Any and all maintenance was handled by the family contractors. PHH there was property preservation. ( {$480.00} ) It is not clear what this is.Any and all maintenance was handled by the family contractors. PHH stated there was repairs to the property. ( {$4000.00} ) There was no repairs to the inside of the home. All home upgrades were done by the family.The home was not in need of balcony work. Any work done on that must have been minor work, and the family was not communicated with prior. PHH claimed ... there is a comment referring to roof repairs ( {$2100.00} ) Our family contractor revealed he had to do work on the roof. The roof repairs was handled by the family contractor. PHH claimed yard care done on the property ( {$9800.00} ) There was no yard care given. All yard services were provided by the family. Over the last yaer and a half, we have made significant repairs and new installments to the home.We have invoices and documents, and photos that chronicle our time of renovation. We have tried hard over the years to review and revise this information. We are not attorneys and have done our best to review and revise this information as accurately as possible to date. We have a potential buyer ( hence the Payoff Sheet ), who has patiently waited on us to get this matter resolved with PHH Mortgage Services. We may have lost the buyer due to this extremely long delay. PHH has been hindering my carrying out my Executor responsibilities because of their delay and fraudulent costs they want us to pay ( including interest which keeps going up with each delay ) PHH continually charged interest on the mortgage even while it was in probate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: There are five steps to submit your complaint : Step 1 : What is this complaint about? Ocwen serviced my loan and now PHH Mortgage is. 10 years ago we did a loan modification and now we are trying to refinance and we can't because there is a second lien on the home. According to the loan modification, there should not be a second lien because we did a loan modification. We have never been charged on this lien and I looked on FDIC and the bank doesn't even exist for that lien. This is the XXXX XXXXXXXX XXXX Florida, XXXX XXXX. Step 2 : What type of problem are you having? We can't refinance our home because there is a mysterious lien on our home. Step 3 : What happened? We did a loan modification with Ocwen over 10 years ago and now we are trying to refinance the home and we can't. I have tried several times since XX/XX/2020 to ask the bank to help me figure this out although they never have an answer for me and they keep on sending me to " escalation '' in which they don't even help me. Step 4 : What company is this complaint about? Ocwen, although they are now called PHH Mortgage Bank. Step 5 : Who are you submitting this complaint for?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A