Date Received: 2020-12-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to the coronavirus, I was quarantined home for 21 days during the month of XXXX, during this time I was not compensated in any way from my employment, as I adhered to the guidelines of the quarantine. Also in addition to that, the area that I live in was hit with multiple hurricanes and while recovering from that, then being quarantined, I fell behind in my finances in lieu of it and was late making my mortgage payment. The mortgage company reported a 30 day late payment notification to all credit bureaus and upon calling them told me that it was nothing that they could do about it. The late payment was in the amount of {$280.00} for the month of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71457
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage statement dated XX/XX/XXXX showed i owed an outstanding balance of {$1900.00} with a due date f XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. The next statement dated XX/XX/XXXX showed my payment had been received and credited to my account. however, this same statement also showed I still owed {$1900.00} as a 'suspense ' balance. It was unknown to me what 'suspense ' balance meant. on XX/XX/XXXX, i contacted the mortgage company PHH at XXXX and spoke to one of their representatives, XXXX, who verified to me that my payment of {$1900.00} had been received but for unknown reasons it was not credited to my account ; it was on 'suspense '. XXXX assured me that i would get a corrected statement within 10 days. on XX/XX/XXXX i went online and submitted an email to XXXX inquiring about my concern. a few days later I received a response stating they could not provide me with any information because i had not registered an account with the mortgage company. On XX/XX/XXXX i called again and spoke to the representative, XXXX XXXX, who was rude to me stating there was nothing she could do but the case was under investigation and that i would get a response within 30 days. on XX/XX/XXXX I called the company once again representative, XXXX, told me i had to request a payoff amount in writing, which she requested for me. On XX/XX/XXXX i did sent the payoff amount by registered mail. The company received my payoff payment of {$400.00}. Regardless of the constant communication I maintained over the phone with the company, during this time frame from XX/XX/XXXX thru XX/XX/XXXX I received about 4 letters from the company stating that i had a past due amount and the last letter dated XX/XX/XXXX notified me that the company was initiating foreclosure on my property. I feel I have been harassed by this mortgage company by sending me several past due account letters and the foreclosure notice when in fact I had always made my payments in a timely manner and even paid off my loan ahead of the schedule. On XX/XX/XXXX i went ahead an created an account and sent another email to the company inquiring about the status of my account. On this date when I logged in to my account, their system showed I had paid off my account in full. Thank you for any assistance you can provide with this uncomfortable situation. XXXX XXXX
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I tried to contact PHH with no luck I am not sure what is going on with the forbearance in XXXX when I did not get any response, we sent the payment, and it was returned my son gave us money which I immediately put in the bank but the bank is saying it came in after the payment on the same day so they returned the check to PHH. At the time of doing all of this my family had XXXX, it was very difficult for us to get anything done with 7 of us sick. We were never notified of it by my bank nor a call from PHH. I went on the PHH webpage to see about the forbearance and that when I saw that the check bounced I right away paid online but they still reported us late I was under the impression that XXXX would be part of the forbearance. That is why I was asking for a forbearance plan we are a month behind we need help. I went on to XXXX XXXX it is showing that I am due for my next payment again we are just getting back on track. My family all 7 of us had the XXXX XXXX in XXXX plus I lost my job which is why I ask to start this in XXXX for 3 months, not XXXX, I ask them to please have a customer service rep call so I can understand what is going on. We are not 60 days late as you are reporting to the credit bureaus, we are due for XXXX, but it is not late we have up until the XXXX to get you the payment to PHH. We are not in collections. We just need some help like many Americans my husband is a XXXX veteran that was very sick with this horrible XXXX again all 7 of us contracted the XXXX and we short on the payment for XXXX, but I thought the forbearance started when I ask for it in XXXX. I have sent them numerous emails in XXXX and XXXX never got a response tried calling only to be discounted can not leave messages in mailboxes they are full. I finally received an email saying they are sorry that it took so long to get back to us and that we have the forbearance started does not say when it started. PHH and now you are reporting us late for XXXX and XXXX which should not be. How can they ignore all the emails that I sent asking for help really begging for help do you think homeowners like to beg for help. Right now because of PHH reporting us late it has affected us terribly we are sinking I feel PHH is treating me like a piece of dirt, I really was counting on PHH to help us I thought they would do the right thing and help homeowners not ignore them and ruin their credit. This is the second time PHH has not followed thru or help in 2019 they misapplied my payment and it took them 6 months to fix PHH needs to be looked Ocwen owners them and Ocwen has been banned from doing any mortgages in MA.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: PHH Mortgage Services formerly OCWEN Loan Servicing ( OCWEN ) is still incorrectly reporting my account. As indicated I applied for cash for keys and it was suggested that I file for deed in lieu for foreclosure under the Home Affordable Alternative program. The process was extended over and over because of Ocwen 's failure to just inform me that they weren't on the deed. Instead of just informing me of such, they slid a process that was unintended because there had never been a transfer of title. I have documents and have secured statements from the XXXX County Clerks and Courts that the reason that OCWEN could not process was because they did not hold the deed at the time of application. In fact when they became the mortgage servicer, they also did not hold the deed as proven by the clerks office. As such my efforts were abandoned even though I followed every step of the process as requested. As stated by the XXXX CO CLERK Ocwen would not have been able to perform any actions pertaining to the property.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Got injured at work in XXXX of last year which caused me to not be able to work. Then filed XXXX and was trying to make payments but they stopped accepting them and sending them back.
Company Response:
State: FL
Zip: 33782
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Husband XXXX XXXX from XXXX and he was main provider.
Company Response:
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Due to the corona virus my job allowed us to go into our retirement money and take out whatever amount we need to survive. Due to the fact That I was already having mortgage issues I requested a 15 payout amount of my mortgage and I sent that amount on ( over {$30000.00} ). While waiting on my title to my house I received another letter from the mortgage company telling me that my money has been placed in other areas ( escrow, insurance, etc ) and that was not the intent. From the date that they received my money if I owed them anything else they should have said so. PHH MortgageXXXX XXXX XXXX XXXX, NJ XXXX. Loan Number XXXX
Company Response:
State: LA
Zip: 71202
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: PHH Mortgage has reported 30 days late payment for XX/XX/2020, when this payment was received within the grace period of the loan. The problem was corrected in the company 's records but not updated at the credit bureaus ' reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Although I have emailed and phoned my mortgage company multiple times ( they NEVER pick up the phone and have had me on hold for 2+ hours and then my phone goes dead ) then when following up with emails to them, they never respond with an answer to my questions. I first applied for a loan modification in XXXX, but ongoingly they would not give me a decision/answer in any form. Then when pressured by me via email this month to let me know of their decision, I finally received a reply by mail that my request had been denied. It was then when I requested several times via their website a forbearance for my current mortgage. Again, no answer from them. Further background of this situation is as follows : I was diagnosed with a serious XXXX XXXX at the beginning of this year. I had to have a valve replacement, and then in XXXX I was informed that I am so advanced into XXXX XXXX that I am going to need a XXXX XXXX. My XXXX told me I would not be allowed to go back to work until I could receive the XXXX for XXXX Although I receive Social Security payments monthly, it is not enough to pay my bills including my mortgage. I was able to eek by and send my XXXX mortgage payment, but for future it will not immediately be possible. The main reason payments for XXXX and beyond may not be possible for me is especially this : I have had an adjustable rate mortgage for many years, and my highest payment has been {$750.00} during that time. I was forewarned that my payment would go up on XX/XX/2020 to {$2200.00}. And, indeed it did. I have been turned down when requesting first a loan refinance, and then the loan modification. That leaves me in a real pickle. Since I felt then that I should at least deserve a forbearance intervention, as I have said, I applied with them online at least three times and never have gotten a response to my request, in any form.
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH Mortgage XXXX have not furnished verification to my concerns about their jurisdiction over my complaint against XXXX XXXX XXXX , XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates Series 2005-WCH1 and Ocwen Loan Servicing . In addition, PHH Mortgage XXXX HAVE NOT addressed in detail explaining their jurisdiction over my foreclosed account with the Trust of my property:XXXX XXXX XXXX, XXXX , PA XXXX and my Qualified Written Request for information, 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 Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series 2005-WCH1 and all notes that should have been properly indorsed each time they were transferred.
Company Response:
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A