Date Received: 2020-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a XXXX condition, starting in XX/XX/2020 my condition progressed. By XX/XX/2020, I was unable to walk and had to shelter in place at my place of business. Also during that time, I had to quartine until I received a Covid-19 test. Because of the nature of my business a child daycare, I am required to be there from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I had my daughter to drive by on different days just to check my home. She noticed nothing wrong. On XX/XX/XXXX she went there and found that someone had entered my home. they had placed papers inside my windows, door, and throughout the house. The company that left the papers is XXXX XXXX XXXX. They claimed that they had been hired to winterize my home at the request of XXXX XXXX XXXX XXXX XXXX. I contacted my Bankruptcy Attorney, he contacted my mortgage company PHH. They told him that they had not sent anyone into my home. My gate with 2 locks, entrance, and security door a total of 6 locks had been forced and left open. My home had been vandalized. Personal property was stolen and broken. He advised me to contact the police. When I contacted my mortgage company they denied using this company. I was told that they use a company called XXXX for property preservation. I was told that XXXX had preformed a no contact inspection and found my home to be occupied. I did not find out that they had sent XXXX XXXX XXXX out until I requested a break down of outstanding charges. they had no right to enter my home, my mortgage is being paid. I have been calling PHH since this was discovered in XXXX. They are still investigating, they also claimed XXXX was supposed to do a no contact inspection. We have also contacted XXXX who has always claimed that PHH/Ocwen hired them. A person at XXXX named XXXX stated that they were hired to do winterization on my home. She claimed they knocked on my door 3 times, got no answer, and entered my home. She also claimed they had another work order for my home, but would now cancel it. That is impossible no one can reach my entrance and security doors without coming through a 2 lock gate. The locks on my gate were forced open and replaced with 2 old painted locks that were open. My entrance and security door were forced open. They also hung a keyless entry lock on the handle of my security door making it appear to be locked. I don't understand what type of winterization they performed because now my water heater and furnace have water damage and have to be replaced. they were fairly new, even even XXXX years old.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to extreme hardship and unjustifiable increase in my escrow payment, I defaulted in my mortgage payment. Subsequently, PHH Mortgage predecessor mortgagee commenced a foreclosure proceeding against my property. I interposed an answer and i filed a modification application in my efforts to keep my home. On or about XXXX/XXXX/20, PHH Mortgage approved the modification application after two years. In consideration thereof, I was required to pay a monthly payment of {$2100.00} from XX/XX/XXXX2020 through XXXX 2020. I made all the required payments for the trial period and payment were accepted by PHH Mortgage. Subsequently, PHH Mortgage alleged that a title search was conducted and a tax lien was recorded against my property by The XXXX of XXXX XXXX. I promptly made the payment on XXXX/XXXX/20. However, due to the pandemic and specifically because most city employees worked from homes the Notice of Warrant Satisfaction was not prepared and filed expeditiously despite my request that time was of the essence. On XXXX XXXX, 2020, the XXXX XXXX XXXX Department of Finance processed and filed a satisfaction of Judgment with XXXX County. However, on XXXX XXXX, 2020, PHH mortgage denied and cancelled the modification agreement signed and completely performed by me in that I had already paid the three months trial period payments. PHH Mortgage in total regard to the prevailing pandemic in the country wherein most offices are not working at their full capacity unconscionably denied my modification application predicated on the fact that the XXXX of XXXX XXXX delayed in processing the Satisfaction of the within tax lien. It is noteworthy that I am not in violation of the modification agreement in that satisfaction of the aforesaid tax lien was not a condition precedent to have a final modification agreement. Also, I promptly made payment to the XXXX to satisfy the lien and the delay in filing satisfaction of lien was not my fault since I don't have control over the internal operation of XXXX XXXX XXXX Department of Finance. It is submitted that the PHH mortgage decision to denied and cancelled the modification agreement which they prepared and signed by me is capricious, arbitrary, unconscionable and breach of the same agreement since satisfaction of tax lien was not a condition to a final modification agreement.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX modification wrongful amount on deferred principal from XXXX modification. Per lenders recent response to you once again they are being deceptive. I have tried endlessly to have this corrective
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After having my mortgage modified, This is my new contract 51 years to repay at 3.125 % interest rates. I've tried to refinance without getting assistance due to these terms. How can this be corrected? PHH Mortgage Hello XXXX My Loan My Loan Your Loan balance is {$160000.00} 3.125 % Rate | Conventional | 51 Years Term How your recent payments were applied 32 % of your principal and interest payments Year to Date were applied towards principal. Making additional payments to your principal balance will reduce the amount of interest you will pay over the life of the loan. 68 % Interest Select a period of time. Year to Date 32 % Principal Your Loan Started XX/XX/XXXX Your Loan Ends XXXX XXXX Remaining Payments 172 Prepaid Principal {$2200.00} You can own your home faster Learn more Prior Yr Principal Paid {$2000.00} Prior Yr Interest Paid {$4400.00} Some Things To Consider Having trouble paying your mortgage? How can I contact PHH Mortgage? What is the mailing address for sending an overnight payment? When will I receive my year-end statement? What are some of the common fees that may be charged or assessed to me during the servicing of my mortgage? Looking for alternatives to foreclosure or to help with budgetary issues? Payment History Show All Mortgage Escrow Advances Reversals Other Mortgage Payment Applied : XX/XX/XXXX {$950.00} Escrow Advance XX/XX/XXXX {$820.00} Tax Disbursement XX/XX/XXXX - {$820.00} View all Taxes and Insurance Current Escrow Balance As of XX/XX/XXXX Learn More - {$540.00} Escrow Account Payouts Show all Upcoming Year to date XXXX Tax XX/XX/XXXX {$840.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$820.00} View details Thinking About Refinancing? XXXX is here to help you find the right home loan for your needs. Call us at XXXX to hear your options or get started online today. Learn More PHH Mortgage PaymentMy HomeMy LoanMy NeighborhoodGoalsEducationTerms of UsePrivacy Policy XXXX PHH Mortgage All rights reserved Sent from my XXXX, XXXX XXXX smartphone
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are processing papers for a bank approved short sale when I was admitted in the hospital for XXXX XXXX hence I could not complete my papers before the deadline and the mortgage company has decided to go ahead with foreclosure. My husband is sick with XXXX, just had XXXX therapy. The mortgage company is PHH
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Lender fails to comply with federal RESPA regulations in regards to the handling of annual tax escrow disbursements. For a consecutive second year since PHH Mortgage took over the servicing of my mortgage, they have failed to send out the funds that I have paid into my escrow account for payment of my real estate taxes on said mortgaged property. There is no reasonable means to communicate with their escrow or tax dept. When I communicate with their customer service management, they explain that it takes them 1 to 3 days to get a response from the tax and escrow department. This company is in violation of the Real Estate Settlement Procedures Act and has been fined for improper lending and servicing practices in the past and apparently hasn't changed.
Company Response:
State: WI
Zip: 53045
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have accounts that are showing on my credit reports inaccurately. These accounts are hurting my credit and stopping me from moving forward in my life. The accounts in question are improperly displaying the following : 1. Account was sold and not properly displaying month to month history as positive. 2. Account was closed due to the property being sold and month to month history is not being displayed as Closed and Paid As Agreed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46383
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We had job loss that lasted 2 years for my husband and then myself. We finally filed chapter XXXX. The attorney that we had gave us a payment of {$680.00} but when we got to bankruptcy court we were informed that the amount was wrong. Our attorney said not to worry the new total would only be about {$100.00} more, it ended up being almost {$300.00} dollars more. Over the last 2 1/2 years we paid over {$23000.00} towards our bankruptcy. I. XXXX we became behind on our mortgage. In XX/XX/XXXX we received a notice that we had 10 days to pay {$17000.00}. Well in the midst of covid that was impossible. Fighting back and forth with the attorney for PHH and having XXXX XXXX and XXXX XXXX we finally had to voluntarily dismiss our bankruptcy because they wanted to go to court to get it dismissed. We tried to apply for a modification but they wouldnt help us. We are fister parents and have so much going on with our kids losing our house would be devastating.
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I'm filing a complaint against XXXX XXXX XXXX who actions have been deceptive, unfair, misleading and in violation of a federal consumer protection laws & regulation. XXXX XXXX XXXX foreclosed on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) without having an authentic promissory note, the Pooling and Servicing agreements including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates XXXX XXXX, & all Notes that should have been properly indorsed each time they were transferred. In contradiction, the XXXX XXXX XXXX XXXX XXXX Trustee indenture would have expired on XX/XX/XXXX when the foreclosure action was initiated. Moreover, the XX/XX/XXXX mortgage assignment both " Assignor '' & " Assignee '' all shared the same address of the mortgage servicer which was c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have made several attempts to pay off my HELOC with OCWEN now PHH mortgage. Each time they have returned the payment without explanation. When I call to speak to a CSR they have to research just what is going on. On this last call they stated they never received the payoff yet I have confirmation of the wire transfer and according to the CSR, the account information was correct. I am tired to sending repeat payments to OCWN PHH mortgage and the extra expenses occurred on my end of doing such. I have now sent the 3rd payoff per the CSR in the hope it is excepted. I would think that PHH would reach out and call me to correct this situation. Just seems like a bunch of nonsense to me and an attempt of PHH to foreclose on a loan that took me 15 years to pay off to its final payment just to have PHH play a game with the consumer.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A