Date Received: 2021-04-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, we refinanced our home with XXXX XXXX XXXX ( PHH Mortgage Services ). At that time we paid into escrow over {$5000.00} for property taxes that were coming due in XXXX. In XX/XX/XXXX we found out that our taxes were not paid and we contacted XXXX XXXX XXXX to find out what happened. At that time we were instructed to fax a copy of our property tax bill to them and they would look into it. On XX/XX/XXXX we faxed a copy of the property tax bill to them and a couple days later we followed up with another phone call for an update. At that time we were advised that they were still looking into it and to call back. This has been going on for two months of repeated phone calls and being told that its being looked into. Finally, on XX/XX/XXXX we received a letter from XXXX XXXX XXXX c/o PHH Mortgage Services stating that WE are responsible for the property tax payment ( despite there being approximately {$8000.00} in escrow ). Due to XXXX XXXX XXXX failing to pay our taxes on time we incurred {$640.00} in penalties and interest from our county tax assessor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 768XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I HAVE REACHED OUT TO NEWREZ/XXXX TO DISCUSS OPTIONS AVAILABLE TO AVOID FORECLOSURE. HOWEVER NEWREZ/XXXX WASHES THEIR HANDS BY STATING THAT THE INVESTOR WILL NOT ALLOW ANY OTHER MODIFICATIONS BECAUSE I ALREADY REACHED THE MAXIMUM NUMBER OF ALLOWABLE MODIFICATIONS WITH CAPITALIZATION. YET MY LOAN IS ONLY FOR 30 YEARS. HOW CAN I HAVE REACHED THE MAXIMUM ALLOWABLE CAPITALIZATION IF MY LOAN IS STILL THE SAME TERMS. BECAUSE OF THE COVID PANDEMIC MY JOB LOST A LOT OF CONTRACTS CAUSING US THE INDEPENDENT CONTRACTORS TO WORK LESS HOURS. THANKFULLY WORK HAS PICKED UP AND I AM NOW IN A WAY BETTER FINANCIAL POSITION. I AM TAKING RESPONSABILITY FOR BEING LATE ON MY MORTGAGE PAYMENTS. HOWEVER I NOW HAVE THE MEANS TO RESUME MAKING MY MONTHLY MORTGAGE PAYMENTS WHICH IS WHY I HAVE BEEN ASKING FOR MORTGAGE ASSISTANCE. I HAVE ASKED FOR PROOF OF THIS MIXIMUM CAPITALIZATION THEY SPEAK OF AND TO THIS DATE NONE OF THE REPRESENTATIVES NOT EVEN THE POINT OF CONTACT CAN TELL ME WHAT THIS MEANS. OR HOW THIS IS APPLICABLE TO ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear CFPB member, I been impacted with covid -19 and I need 3 months more months to restart my mortgage payment, I have no intention of losing home to forclosure.. My mortgage company PHH serviced through XXXX XXXX phone # XXXX XXXX XXXX has not reached to me to make a resolution to assist me - I have left messages for my account manager in PHH, instead of calling me, i received importance notice forclosure which is attached with my information and they assigned to a forclosure attorney XXXX XXXX XXXX XXXX XXXX without assisting me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello my name is XXXX XXXX I inherited XXXX XXXX XXXX XXXX Alabama XXXX in XXXX because of the passing of my godmother. Since XXXX I have been trying to send information explaining the passing of my godmother and that I am now the executor-of the estate. I have sent my drivers license the death certificate and the executor paperwork every time I call I get either they didnt receive it or they received it but they are working on the paperwork. This has been going on since XXXX. Please help me the mortgage is behind 7 months and I am trying to get a forbearance for this home but if I cant get information I cant apply for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage Services XXXX original mortgage servicer with property tax escrow account ) neglected to send the payment for my XXXX XXXX Taxes. As a result, I had to pay an additional {$170.00} to bring by supplemental property taxes current. PHH Mortgage Services refuses to reimburse me for their fiduciary negligence. On XX/XX/2021, I received a XXXX XXXX XXXX XXXX from the XXXX tax collector. The bill was for {$3100.00} XXXX to be paid in XXXX separate installments of {$1500.00} of which the first installment being due no later than XX/XX/2021 ). As per the written instructions on my monthly mortgage statement, I timely mailed this Supplemental Property Tax Bill, along with a written request for it to be paid in full, to : PHH Mortgage Services, Attention : Tax Department, XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX on XX/XX/2021. The first supplemental installment was due XX/XX/2021. On XX/XX/2021, I received a Notice of Servicing Transfer from my original servicer- PHH Mortgage Services dated XX/XX/2021. They noted a date of the servicing transfer to be effective XX/XX/2021. On XX/XX/2021, I received a Notice of Servicing transfer from the new ( existing XXXX servicer- XXXX XXXX XXXX XXXX XXXX new mortgage loan servicer ) dated XX/XX/2021. This new servicer noted a start date of XX/XX/2021 for future mortgage payments. On XX/XX/2021, I received a XXXX XXXX XXXX bill from reflecting a late payment penalty of {$170.00} in addition to both outstanding supplemental installments for a new total bill due of {$3200.00}. On XX/XX/2021 at XXXX, I called PHH Mortgage Services and spoke with Movin ( Employee ID # RKR ) and requested a re-imbursement for the penalty amount of {$170.00} since they negligently did not make my supplemental property tax payment on time ( even thought I requested it to be done in a timely manner in writing ). XXXX informed me that since they were no longer the servicer of my loan, they had no money to send for these payments, and, that they could not reimburse me due to them already having transferred my escrow funds to the new servicer. I explained that I followed their instructions to have the XXXX XXXX XXXX paid in a timely manner and that they should have paid it prior to an transfer of my account as per my written request. He said he could not do anything and that I should try to get reimbursed from the new servicer. I then called the new servicer- XXXX XXXX XXXX XXXX and asked them if they would reimburse me for the penalty and they said no, that I would have to get it from the older servicer ( PHH Mortgage Services XXXX. PHH Mortgage Services did not follow my written request to pay for my XXXX XXXX XXXX ( at least the first installment due by XX/XX/2021 ) and I incurred a {$170.00} penalty from the tax collector as a result. Also, due to the timing in the transfer of the servicing of my account to the new servicer, PHH Mortgage Services failed to properly pay my XXXX XXXX XXXX even though I followed their instructions listed on the back page of each of their mortgage statements. I am requesting your help to get a reimbursement of {$170.00} from PHH Mortgage Services due to their fiduciary negligence in paying my property tax in a timely manner from my escrow account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: First, your questions do not specifically address my issue, but here is the problem I am having with PHH Mortgage, from New Jersey. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 CFPB : re : PHH Mortgage, On XX/XX/2021, PHH Mortgage mailed out a letter to me about some alleged correspondence they claim to have received from me on XX/XX/2021, and used a Reference ID of : InquiryXXXX ( XXXX ). I have sent numerous inquiries since, asking that PHH Mortgage send me a copy of what I allegedly sent to them, which prompted their letter of XX/XX/2021. I have asked PHH Mortgage mail me, email me, or fax a copy of my correspondence. To date, the responses have been letters asking that I give them an account number, account holder 's name, address, and other relevant information. I can not give PHH Mortgage anything until they send me a copy of my alleged correspondence so then I can address the situation properly. Now to be clear, I DO NOT want PHH Mortgage sending me another canned, irrelevant letter to send something I can not send. I want them to SEND ME a copy of what they claim to have received on XX/XX/2021, which prompted their letter of XX/XX/2021, and had a reference number of InquiryXXXX ( XXXX ). They may mail me, email me, or fax me a copy of this correspondence that they claim I sent to them. My mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Email : XXXX Fax : ( XXXX ) XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. PHH mortgage I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted PHH and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is in reference to all my other complaints. It is XX/XX/21. XXXX XXXXXXXX XXXXI just received this letter today from phh mortgage. I think they are trying to give me late charges to scam me out of money. From my last complaint about not receiving mortgage statement. I received this letter today. I was promised from their manager that I would recieve a statement on XXXX XX/XX/21 for just XXXX. I did not. It was for XXXX and XXXX. Recieved late again Monday XX/XX/21. Sent payment XX/XX/21. Please read Statement picture attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2021, I received a email from XXXX informing me PHH Mortgage have reported to the credit bureau XXXX, and XXXX 120 lates when they have knowledge I am impacted through the Disaster Impacted with the Covid 19 and working on a work out plan. I feel someone personal us retaliation against me and I would like my credit reporting agency report to be corrected. Under the American Rescue Act. Anyone impacted with the Disaster Covid 19 the Consumers Credit is not to be reported Late.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: i refinanced my house with XXXX XXXX. since then XXXX XXXX transferred my loan to PHH Mortgage. Since the loan has been transferred i have paid the loan online via their website for the first 2 months ( 60 days ) went to pay on XXXX and i was locked out of the online payment section. website stated i need to contact a customer service rep. i did this and a " Note Amendment '' was required to sign from myself in order to continue to pay online. On XXXX i finally get the " Note Amendment '' and now there is a {$19.00} charger per payment to use their website to make a payment.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A