Date Received: 2023-10-07
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: PHH MORTGAGE NEED TO STOP INTERFERING IN MY FINANCIAL AFFAIRS LISTED BELOW ARE ACTION THAT I TOOK TO SOLVE MY FINANCIAL/TAX SITUATION : 1. On XX/XX/XXXX received notification from XXXX XXXX that that my property taxes were in arrears, and that I had to act ( solve the issue within 30 days ). 2. On XX/XX/XXXX, XXXX XXXX open its applications for homeowners to apply for the XXXX Tax Sale Deferral Program 3. XX/XX/XXXX, I submitted my application for the Tax Sale Deferral Program and received an email that my application has been submitted 4. XX/XX/XXXX I received an email from XXXX XXXX representative, notifying me that my application for the tax sale deferral program has been approved XXXX. XX/XX/XXXX I received an email from XXXX XXXX that my tax sale deferral application was submitted to the Department of Finance, and they have removed my property from this years tax sale. The purpose of the above process was to allow me time to explore financial assistance 6. On XX/XX/XXXX - PHH Mortgage payment was posted to my XX/XX/XXXX to XX/XX/XXXX Property Tax Bill ( at this time my bill was deferred until XX/XX/XXXX XXXX. XX/XX/XXXX I emailed PHH Mortgage explaining to them that they interfered in my financial affairs ( as mentioned above, I had already taken care of my tax situation ). PHH Mortgage wanted me to sign a Repayment Plan for the {$2200.00} that they had paid. a. I originally resisted to sign the Repayment Plan and eventually agreed to sign the Repayment Plan 8. XX/XX/XXXX I agreed to a Repayment Plan for the {$2200.00} that PHH Mortgage had paid for my XX/XX/XXXX to XX/XX/XXXX tax bill. I mailed PHH Mortgage a check in the amount of {$140.00} ( this amount was for 3-months worth of payments ) 9. On XX/XX/XXXX my property tax bill was issued for the period XX/XX/XXXX to XX/XX/XXXX. 10. PHH Mortgage decided to pay that bill in the amount of {$1000.00}, on XX/XX/XXXX and cancelled my Repayment Plan and began calling me to pay them a total of {$3200.00} a. According to Maryland State Regulations, this bill would not be considered delinquent until after XX/XX/XXXX. 11. AT THIS POINT, PHH Mortgage is attempting to foreclose on my property because they are making me responsible for their intentional efforts to interfere in my financial affairs. My Reverse Mortgage does not give PHH Mortgage the authority to pay my property taxes unless Im in a default status. I was not in a default status during the two times that PHH Mortgage interfered in my financial affairs by deciding to pay property taxes that were not delinquent. I am fully capable of handling my financial affairs and would like PHH Mortgage to STOP interfering, creating problems that do not exist! PHH Mortgage has taken a position of violating my financial boundaries. PHH MORTGAGE NEED TO STOP THEIR AGGRESSIVE BUSINESS PRACTICE! NOTE : In addition to the above issues, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ) that there had been a third-party software event to gain access to my personal information ( social security number, address, etc. ). Accordingly, my identity had been compromised on or about XX/XX/XXXX. Now Im receiving notice from my XXXX XXXX that my social security number was found on the Dark Web.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: On XX/XX/2023 I was approved for the HAF grants to help pay for my delinquent mortgage. My mortgage company PHH Mortgage is not communicating with the State of Texas HAF homeowners assistance program. Now my loan is at default if not paid by XX/XX/2023.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Hello I was trying to solve my problem with my late payments. And I received a phone call stating that they were able to take a payment on my home. Come to to find out the gentleman I spoke with was a scammer
Company Response:
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My loan was originated with XXXX XXXX XXXX Mortgage in XXXX XXXX. Then it was acquired by PHH Mortgage in XX/XX/XXXX. In XX/XX/XXXX PHH Mortgage sent a notification with a 46 % increase over my monthly payment so starting on XX/XX/XXXX the payment went from {$2800.00} to {$4200.00}. Escrow account shortage was the justification provided by PHH Mortgage. I called Customer Service and the only solution they provided is a loan modification which I did not accepted because I will lose the terms negotiated when the loan was originated. I have been struggling since then to maintain the loan current assuming the additional monthly payment of {$1300.00} but this increase is hurting my financials and soon I will fall behind with payments.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I put in for hardship to see if i can lower my payments because my husband was in the hospital for 4 months without pay. So around XXXX XXXX i called my mortgage company ( phh ) to see what we can do. The gentlemen said we can motifity and hen I submitted all the information and waited one month for and answer I finally called them back and ask what as going on with the motification and the lady told me that we turn you down because that was not a hardship. then told me to go into forcloser.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My loan servicer is breaking XXXX XXXX regulation XXXX by claiming they will call due my loan when I transfer Title to my XXXX. This is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Trouble during payment process
Subissue: Lien release
Consumer Complaint: I am in the process of selling my home. I am seeking a LIEN RELEASE. In XXXX GMAC MORTGAGE granted a home equity line of credit of {$74000.00}, in my former martial surname of XXXX. GMAC is now defunct ( XXXX ). GMAC sold out to OCWEN who sold to XXXX, who lastly sold loan to PHH MORTG. None of these companies has ever reached out to me with any correspondence/billing statements. I have contacted PHH MORTG several times via phone to no avail. PHH MORTG says they have to record of my loan originating from GMAC. I have also inquired into XXXX XXXX XXXX 's office to get information on who bought loan, also to no avail. All I want is to get a lien release to resolve this matter as quickly as possible. All these mortgage companies selling loans and NOT keeping records has made it next to impossible to find the company who now has the loan.. PLEASE HELP ME. Thank you.
Company Response:
State: CA
Zip: 94134
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: My house was put into XXXX names on the original purchase in XXXXXXXX my name XXXX XXXX XXXX XXXX XXXX, mothers name XXXX XXXX XXXX, and my fathers name XXXX XXXX XXXXXXXX XXXX with rights of survivorship on the deed of trust. I had to file for a loan modification in XXXX because of my mother, who passed away XX/XX/XXXX, had become bed ridden and I was unable to work and care for her XXXX hrs a day. PHH Mortgage says I am not on the loan modifications but, for several years when mortgage payment statements were sent, they had both my name and my mothers name. It was very convenient for PHH Mortgage to somehow drop my name off the mortgage statements when they started foreclosure proceedings on my home. This caused me to file bankruptcy multiple times over the years. In between foreclosure proceedings and bankruptcies they would talk to me and discuss the loan however, all communications with me would stop every time they started foreclosure proceedings. I had to file bankruptcy again XX/XX/XXXX to stop a foreclosure once again.
Company Response:
State: VA
Zip: 23111
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: For the 3rd time in a year that I am coming here about PHH Mortgage. For yet continuing to fail people who are asking for help. They've replied to both prior complaints with good words and then failed to communicate effectively thereby creating excuses to renig both times. Despite my compliance at every turn. In XX/XX/XXXX I was promised an exception to the loan modification but then they backed out by claiming they requested additional documentation they never received. " At this time, to move forward with the request for a modification exception we require an updated and complete RMA package be filled out and returned specifically asking for an exception be made to the denial on the account. Once we have that we can go back to the investor for approval for the exception. We apologize for any confusion this may have caused you, unfortunately we did not get the request for additional information from the investor until XX/XX/XXXX, after our prior response was already sent. Without an updated RMA package with current financials we can not move forward with the exception request. If you have questions regarding the loan modification, we encourage you to contact the Relationship Manager assigned to the account. '' They have since received this updated information twice ( most recently in XX/XX/XXXX ). I was told I needed to follow up with further documentation which I also provided both times. When I spoke to an associate at PHH on XX/XX/XXXX I was informed there was no record of the application and proceeded to set an appointment with a relationship manager for XX/XX/XXXX. On XX/XX/XXXX, I called PHH and inquired about the application and that agent was able to locate the application. This same day I received in the mail a notice requiring " additional documentation. '' The same documentation I have sent- to the same address they've provided every time- two other times since XX/XX/XXXX. So for 3 years now, due to PHH 's complete inept ability to communicate not just with me but within their own departments I am nearing foreclosure. When all I've ever wanted to was to keep my home. I've fallen on hard times with the recent death of my mother along with multiple other hardships these passed few months. But I could have been making payments nearly this whole time had PHH done what they originally said they would done. As of today ( XX/XX/XXXX ) the house is set to experience foreclosure. But I was assured by PHH mortgage employee XXXX, employee ID XXXX, that in the next 5 business days, the account would be brought up to date with the application I submitted on XX/XX/XXXX and the additional documentation I submitted on XX/XX/XXXX and the foreclosure process would be stopped. I will be following up with PHH next Monday.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My XXXX XXXX hours were recently reduced and in order to avoid being in default on our loan I reached out to XXXX Mortgage to get on a temporary forbearance plan. I let them know in my application that this was for the sole purpose of NOT becoming XXXX on our mortgage and/or becoming default. We applied for the forbearance in XXXX. I sent several emails asking for updates with no response. On XX/XX/XXXX we finally received a letter stating that we were approved. I had not made XXXX payment yet as I was expecting and answer this month. Once we received the letter, I logged into my account to see the changes. It reflected the reduce amount was due on XXXX but I had to call in any payments. Fine. On XXXX I called in to make a payment and the automated system stated that I owed the reduced amount and I needed to pay by XXXX. It made no mention of XXXX 's mortgage being due or unpaid. I took this to mean it was rolled into the plan somehow. I paid the amount it asked for ( a week and half early ). On XX/XX/XXXX I received a notification from XXXX that my credit score was XXXX XXXX XXXXXXXX points due to a " missed payment ''. I look into the alert, and it said the XXXX had marked my account as XXXXXXXX XXXX past due and delinquent. I immediately went online and again, and there was the number again to call. I called and suddenly now the automated system said I had a past due amount of XXXX for XXXX. I was shocked that this was not ever mentioned before, as again the entire purpose of going on this plan was to avoid a delinquent account and the hit to my credit score. I made a plan to make up this payment and got some funds together to take care of it. On XX/XX/XXXX I had the funds ready and called to clear up the XXXX payment. This time, the automated system said nothing about XXXX and said I only owe the following months payment at the reduced amount. What in world is going on here? I asked to be transferred to a person and I explained my situation. She said there was nothing I could do and wouldn't let me clear up my XXXX payment. I said I can not have a XXXX hit to my XXXX XXXX for the next XXXX months, that would catastrophic, please let me pay my XXXX payment. She said again, they are not able to take my money... what?! She said I could schedule a call my XXXX XXXXXXXX, but they will just say the same thing and their booked-out XXXX XXXX I asked to have the situation escalated, she said she would put in a request for a supervisor to call me and they had XXXXXXXX XXXX to get back to me. Well, it's been over XXXX XXXX and no phone call, nothing. I have an appointment with my case XXXX in XXXX weeks, but in the meantime there's this looming missed payment from XXXX that I would love to give them money for, but they won't take it. Now I have to endure another hit to my credit that I don't feel is justified. I feel I was deceived by XXXX and at the minimum, their automated system was faulty. It clearly would've let me pay the XXXX amount AFTER the XXXX was in place because it said just that on XX/XX/XXXX. I'm a consumer trying to do the right thing and because of errors on their part, I'm being punished specifically as it related to my credit that will stick with me for the next XXXX XXXX. My credit prior to this was mid XXXX 's and I pride myself on making ALL my payments with all my creditors on time. I have not missed a mortgage payment to date and now this.
Company Response:
State: OR
Zip: 97116
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A