Date Received: 2021-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen violated hamp incentive program. XX/XX/XXXX we should have received XXXX principal curtailment for timely XXXX payments 1 ) letter dated XX/XX/XXXX classified this hamp program as a recast offer 2 ) letter dated XX/XX/XXXX stated our XXXX payments were not timely 3 ) letter dated XX/XX/XXXX stated it was a hamp tier 2 program. This lender has been nothing but deceptive giving false statements or facts due to their violations. Supposedly lender credited us XX/XX/XXXX but reversed it mid XXXX. Since we dont receive statements on our account I dont know if they credited this XXXX back to principal. They violated the hamp program under the false claim act, which borrowers received 3 times the award plus punitive damages of XXXX.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our loan was transferred from saxon to ocwen XX/XX/XXXX. Ocwen credited the overcharge of taxes from XXXX modification to XXXX and XX/XX/XXXX payments received from saxon for XXXX. Ocwen did not service us until XXXX XXXX 14 months after transfer as letter submitted dated XX/XX/XXXX confirms. This resulted in severe fees and damaged to our credit. Ocwen could not provide XXXX form or account history statement. Yes they submitted to you a reconciliation history for XXXX which does not prove anything. Their reconciliation history always differs from actual account statement.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am resubmitting my complaint for overcharge of escrow through modification. 1 ) XXXX XXXX XXXX form list XXXX for taxes. Taxes paid were XXXX and penalty was XXXX which totaled XXXX. 2 ) 0n bottom of form they show XXXX For escrow advance. 3 ) XXXX XXXX form shows escrow being XXXX negative XXXX tax receipt clearly shows a total of XXXX as total money received. 4 ) letter dated XX/XX/XXXX clearly shows the XXXX of escrow being paid 2 Which was not the case. 5 ) in XXXX we were charged for escrow 3 times. 6 ) letter of XX/XX/XXXX also show we paid XXXX for escrow through our modification of XXXX. 7 ) also escrow breakdown statement shows we were overcharged XXXX for escrow 8 ) this overcharge of XXXX plus XXXX penalty was incorporated in our XXXX modification which has also accrued interest on for 11 years.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was solicited to refinance with PHH mortgage, the company that currently finances my investment property. I began the process in XXXX of XXXX. After 4 months of repeated delays and duplicate requests for information, my application was rejected based on the appraisal they ordered and provided to me. I applied for a no-cash refinance for a lower rate and lower payment in the amount of {$140000.00} and the property appraised for {$920000.00}. They rejected their own appraisal and denied the application based on " Inadequate collateral - unacceptable property ''. I was verbally told my property was not in zoning compliance but Per the appraisal : Per public record, subject shows as a XXXX unit, however, upon inspection, subject is a XXXX unit building with separate meters. It appears to have been converted in a workmanlike manner ZONING COMPLIANCE DEFINITION SUBJECT IS IN COMPLIANCE WITH ZONING AS AN XXXX XXXX Mixed Housing Type Residential - XXXX Zone. The intent of the XXXX XXXX is to create, maintain, and enhance residential areas characterized by a mix of single family homes, duplexes, townhouses, small multi-unit buildings, and neighborhood businesses where appropriate. So, per XXXX zoning definition above, even if PHH considers it a duplex it is zoned appropriately. Additionally, the loan to value ratio would be well within acceptable limits even appraised as a duplex. I escalated this to a manager with an email on XX/XX/XXXX. To date, I have not received a written response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I re-financed my home mortgage loan from a VA loan with XXXX XXXX to a conventional loan with XXXX XXXX XXXX in XX/XX/XXXX. That loan was sold to the servicing company PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXXXXXX, NJ XXXX. Tel : XXXX and Fax : XXXX. My escrow account was also transferred to PHH Mortgage Services. My home insurance company is XXXX XXXX XXXX XXXX. ( XXXX has been a phenomenal company-very good ). My first payment with PHH was XXXX XX/XX/XXXX. Even though PHH has had my insurance company 's mailing, billing, and contact information since XXXX, PHH has not paid XXXX from my escrow account for my home insurance. My home insurance policy will now be canceled on XX/XX/XXXX if PHH does not post their payment by that date. Today I confirmed with both XXXX and PHH that PHH has all the correct information. I'm asking for government help to ensure that PHH will pay XXXX for this payment and all future payments in a timely manner. Additionally, PHH has been a problem company for many citizens ' loans. I ask for a full investigation into their practices and the company in general. A quick XXXX search will reveal that many people, 300+, have had serious issues with this company. If I continue to have issues with PHH, I am also asking for help in getting my loan sold to a different and responsible mortgage loan servicing company. Thank you for your service and urgent help in this matter.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My issue is described below in the letter that I have mailed to PHH Mortgage Services. The letter reads as follows : To Whom It May Concern, My mortgage loan was recently picked up my PHH Mortgage Services. I created an online account XXXX of XXXX and began paying my mortgage online via your website. I successfully made my XXXX and XXXX payment of XXXX. Today, XX/XX/XXXX, I logged onto my PHH Mortgage account and noticed that my XXXX payment had not yet been made. I tried to make an online payment, but your website stated that I could not make a payment at this time and I must call your customer service center for more information. I then placed a call to your customer service center as directed by your website. Your customer service representative, XXXX ID # XXXX, informed me that I could not make online or over the phone payments as an Amendment must first be signed and returned. She informed that that this Amendment is required to be signed by a new State Law. She was unable to state what new state law required this. I then asked why I was not informed of this change sooner and given the appropriate amount of time to sign the amendment and return before I would be locked out of paying my mortgage via online payment. She again was unable to answer my questions. She has assured me that no late payment fee would be applied for the month of XXXX, XXXX while the Amendment was being mailed to my residence which was not mailed until today. I am extremely upset with this process that PHH Mortgage has implemented. If I would have not logged onto my account, I would have assumed that my autopayment would have processed and never known that my XXXX mortgage payment was not paid. I am sure PHH Mortgage would then apply a late fee and report it to the credit bureau where it would have adversely affected my credit score. PHH Mortgage should have sent a notification to all of its customers of this change months in advance. I can only imagine how many others are experiencing this same problem and will miss their payment. I am requesting a phone call with a PHH Mortgage representative who has the power and authority to discuss this issue and make it right not only for myself but all of your customers. I can be reached by email at XXXX and by cell at XXXX. A copy of this letter will be sent to the Consumer Financial Protection Bureau and an official complaint filed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23505
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Yes. The company had sent me out paperwork to fill out for a loan modification and I sent the paperwork back in and then they reviewed it and sent me back a letter saying I was approved and needed me to get XXXX papers notarized and I did that as well but then they said they out of the 4 only two were notarized and I resent them the same copies and each time I overnight this paperwork as the receipts will show but they keep saying I didn't get the paperwork in on time but there was nothing wrong with the paperwork in the first place. So they denied me what they had already approved me for and I've had an financial cut in my income but I should be okay by XXXX. This company has been giving me problems from the day they took over Ocwen and not to mention that my Mortgage payments have went up along with my fixed interest rate. I'm totally XXXX and I want to keep my home. I have worked for this home since I was young as a single mom with XXXX children, I was being lazy depending on XXXX, I worked and I had to raise my kids and it just is frustrating to look back at these papers and see that I purchase this house in XXXX for {$48000.00} and its now XXXX and I still owe more than the purchase price {$50000.00}. I never refinance to my knowledge, I was just a young lady trying to buy my first home and my kids are grown and with their own families and I'm still in great financial debt with this house. I don't even understand how or why. I don't know what went wrong or how could I have been paying for taxes or interest all these years. Please somebody help me that I may help someone else never to be in this position, Thanking you in Advance for your Sincere Time and Concern over my Situation
Company Response:
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: loan with PHH XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent XXXX # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even OCWEN serving reported up until XX/XX/XXXX as reported on updated credit report. XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance
Company Response:
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer PHH mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen / PPH mortgage servicing company have caused major financial damages with willful intent to wrongful foreclosure on our home and small business while servicing our Federal HAMP modified mortgage loan from XXXX to XXXX thru the following actions : 1. unlawful violations to federal regulations and HUD standards for mortgage servicing, misapplication of mortgage payments by placing large amounts funds paid in suspension accounts and consistently manipulating the accounting in order to withhold those funds as mortgage payments then demanding the same payments again to cause damage and default 2. large amounts of unapplied mortgage payments 3. excessive amounts of invalid fees and late charges contrary to our bank records 4. Fraudulent annual statements reported the IRS with major discrepancies 5. False information, invalid claims of debt and faulty accounting reported to Bankruptcy courts and US Trustee for unapplied mortgage payments and commuting perjury in bankruptcy court 6. major discrepancies in the annual escrow state post bankruptcy petition in the amounts exceeding {$14000.00} and discrepancies between annual escrow statements, yearly closing statements to IRS , monthly statements, accounting statements 7. Submitting fraudulent default notice with invalid claims for payments paid post bankruptcy and unapplied and misapplied payments sent to mortgage company per our bank statements and financial records 8. Obtaining court order rulings without notice given to us by anyone including our bankruptcy attorneys demanding pay for unapplied mortgage payments thru false reports contradict Fraudulent accounting with willful intent to remove automatic stay protection of chapter XXXX 9. Willful intent to wrongfully foreclosure on our property by making it impossible to cure default even after sending funds per reinstatement amount demanded then withholding those funds, misapplied and unapplied amounts in order to cause default immediately demand the same payments again. This has occurred numerous times XXXX, XXXX, and XXXX As we have received no response from our bankruptcy attorney and us trustee to correct and invalidate the court order rulings that are based on false claims with faulty accounting which our bank statements prove and so does the accounting statements from ocwen PPH themselves show funding yet their attorneys are moving forward with these fraudulent unlawful activities. Therefore have no option but to submit a claim to the federal government agencies to provide protection against Ocwen /PPH for willful intent take our home and only source of income as a XXXX XXXX XXXX of a vacation rental that my parents and I own and will render us homeless and jobless in addition to our XXXX and inability to care for my senior parents age XXXX Our federal modified HAMP loan fixed our mortgage payments principal and interest At {$1300.00} for 24 months post bankruptcy XX/XX/XXXX -present PPH own Accounting records, monthly statements and annual escrow statements shows suspension accounts withholding large amount of funds unapplied, partial mortgage payments applied instead of full payments and misapplied funds to escrow and fees exceeding {$14000.00}, funding and then reverse funding payments, collecting fees and manipulation of accounting as shown per records with discrepancies between claims to bankruptcy court, annual escrow statements XXXX XXXX and statements reported to IRS and the monthly statements and our bank records The XX/XX/XXXX XXXX order demanding 13 months unpaid months at is based on invalid claims of debt as the documents prove Payments funding account post bankruptcy exceeded {$45000.00} property tax $ 6600 yearly Insurance averages $ 1300 yearly Federal government thru HAMP granted us a fixed mortgage payment at {$1000.00} in XXXX to {$1300.00} post bankruptcy XX/XX/XXXX 2019
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A