Date Received: 2020-11-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage loan was in a default and I received a forbearance plan due to COVID-19. I have informed them that I had contract the virus and they did suspend payment. However, I was unable to return to work and is no longer with the company which gave the opportunity to pull down my 401k money. So, on XX/XX/XXXX the funds in the amount of {$180000.00} was bank wired to account XXXX XXXX XXXX XXXX per payoff instructions. As, of today XX/XX/XXXX they are not showing my loan payoff of payment received. I have called daily and provided proof of wire completed on XX/XX/XXXX to research dept. In calling in on today I was told that they see I have been calling but process has not began for resolution of this issue. I am so afraid that they are scamming me. They are asking me to send information again now by email. This does make sense to me. I really need help in getting this issue resolve immediately. The mortgage company/ servicer PHH Mortgage gmla # XXXX nils # XXXX XXXX XXXX XXXX # XXXX. address XXXX XXXX XXXX XXXX , IL XXXX XXXX. XXXX cell
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was sent a letter from XXXX XXXX XXXX. I have never done business with this bank. They say that they paid my property tax in error. They want me to refund them {$1800.00}. I pay my property taxes through escrow with my mortgage company PHH Mortgage. I have contacted PHH but they just send an Acknowledgment of Correspondence letter and say they will review the correspondence and usual response time is 30 days. They do not provide a direct contact. This appears to be fraud but if it isn't why should they be asking me for the $ and not the mortgage company they do business with? I pay escrow, that's where my tax $ is. I do not have this money sitting around.
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Paid XXXX XXXX XXXX for a loan modification. He constantly called and asked for money to be sent to him through XXXX XXXX and through gift cards. XXXX XXXX claimed he worked for the underwriting department of PHH. XXXX started out by asking for XXXX to lower my mortgage payments since my husband passed away. He continued to call and insist that I purchase gift cards from XXXX and send him the payments over the phone. Enough is enough I finally call the Police and made a police report.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Initially was a co-owner on a mortgage in XX/XX/XXXX. Filed a chapter XXXX bankruptcy, discharged in XX/XX/XXXX. Mortgage responsibility was never reaffirmed. PHH is incorrectly, illegally reporting the mortgage account on my report with derogatory comments and history, listing a balance I am no longer responsible for. I was scheduled to close on my dream hone for myself and my children XX/XX/XXXX. This erroneous information in my file is preventing it. I have contacted the creditor to request a letter of intent to delete this account from my credit files with XXXX, XXXX, and XXXX ASAP. I provided a copy of my discharge. PLEASE HELP
Company Response:
State: OH
Zip: 45414
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I. Was. Ripped. Off. By. Mortgage. Company. For. XXXX. Dollars. And. Deceived. Into. A. Predatory. Mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Once again, I supplied the additional items they requested in order to continue reviewing my loan mod application. I sent to the email address they provided. They did not acknowledge receipt and a few weeks later they sent me a letter stating they could not continue because of lack of information. Also, on XX/XX/2020, I received letter from PHH/XXXX, dated XX/XX/2020. The letter stated I had until XX/XX/2020 ( the same day I received it ) to not only send the documents I already requested, but also an application and financial form. I'm not getting anywhere with their loan modification department. Please help me get resolution. Thank you. Please refer to CFBP complaint # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: the purpose of escrow is to pay debts associated with the real estate property -- taxes and insurance. i have been with PHH since XX/XX/XXXX. PHH is a subsidiary of Ocwen. My entire account information - history, etc - was transferred to PHH for a seamless transition. my first statement from PHH stated escrow balance {$0.00}. My second statement reflected the {$1300.00} escrow balance that was successfully transferred with my account. XXXX total insurance and tax expense is {$4100.00}. i understand that during the transition everything stayed the same. however, it is the responsibility of the mortgage company to best estimate expenses. in XXXX my escrow was {$190.00} x 12 months which is a total of {$2300.00} to pay for property related escrow expenses that actually total {$4100.00}. There is a shortage of {$980.00} " The monthly shortage for the next 36 months is {$27.00} and will be automatically added to your monthly payment beginning XX/XX/XXXX. '' unless i can pay the shortage in full within 60 days. XXXX was the responsibility of PHH to better estimate my escrow payments in order to have a mutually beneficial relationship. This was our first full 12 months with PHH. my XXXX property related expenses that are escrowed for are {$4100.00}. The escrow analysis provided to me on XX/XX/XXXX -- i now have a shortage of {$2400.00}. " The monthly shortage for the next 48 months is {$50.00} and will be automatically added to Your monthly payment beginning XX/XX/XXXX. '' unless i can pay the shortage in full within 60 days. my escrow payment was increased to {$290.00} x 12 months which is a total of {$3500.00}. THESE ESCROW PAYMENTS WILL NEVER PAY THE TOTAL DUE ON THE ESCROWED EXPENSES ON THE PROPERTY. I HAVE NO CONTROL OVER HOW THEY ESCROW. I AM POWERLESS. IF I CAN DO THE MATH -- SO CAN THEY. THIS IS ON PURPOSE AND BY DESIGN. PHH is a subsidiary of Ocwen. I have a reasonable expectation that matters will be handled in an appropriate manner. I have proven, without a doubt, that PHH has not fulfilled their responsibility as a respectable and responsible mortgager. IT IS PHH 'S RESPONSIBILITY TO CALCULATE ENTIRE YEAR OF EXPENSES SUPPORTING THE PROPERTY. PHH knew that these payments would fall short. PHH did not give me the option to divide entire shortage over the 1 year term as OCWEN did for the last 15 years. this would have been a more manageable solution in this pandemic environment. i believe that PHH has an ulterior motive to eventually repossess my house for lack of payment. PHH refers to this as ESCROW ADVANCES. Customer service rep said to me " WE PAY YOUR BILLS AS A COURTESY TO YOU. '' THE BEST COURTESY TO ME WOULD BE TO ACCURATELY ESTIMATE ESCROW MONTHLY PAYMENTS OVER 12 MONTHS TO PAY THE BILLS WHICH IS THEIR RESPONSIBILITY. Mortgagers insist on paying these bills because until the loan is paid off, the mortgager owns the property and has a vested interest in ensuring that these bills are paid. THIS IS DISGUSTING. PHH SHOULD BE AUDITED TO PROTECT EVERY MORTGAGEE FROM THEIR PREDATORY PRACTICES.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. PHH MORTGAGE SERVICES HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from PHH Mortgage from PREVIOUS federal complaint. PHH Mortgage Services are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then fires XXXX XXXX. as their foreclosure attorney and then hires XXXX XXXX XXXX as of XX/XX/2020. PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. XXXX XXXX XXXX will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( PHH Mortgage and XXXX XXXX XXXX ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX XXXX are aware of the laws that govern Georgia Foreclosures. I would like XXXX XXXX XXXX and PHH to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02324
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I come to you with this formal complaint in that I am not aware of this debt all together I do not recall taking out a 2nd mortgage. Nor signing for any documents pertaining to a 2nd mortgage on my home. I am requesting that this debt be validated. I am asking for your help to validate this debt. The lender will not furnish any proof of this debt though they have it attached to my property.
Company Response:
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A