Date Received: 2020-11-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I asked for a modification in 2017 and they forced me to sign one that raised my mortgage Payment from XXXX to XXXX and extended it 16 years an i have been paying on it yet my principle never moved from the original amount. The pa attorney general took them to court yet they never helped me even when i complained about it
Company Response:
State: PA
Zip: 17109
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Phh Mortgage Company has violated my rights as a successor, according to law sb1150, I have contacted there company on various occasions in regards to the death of my grandmother XXXX XXXX XXXX she died on XX/XX/XXXX loan # XXXX I have sent to them numerous documentation such as my identification death certificates affidavits and court documents stating when probate will be done which on XXXX. I tried to send payment to the company and they returned it because payments were not made prior to my move in date. I have tried to speak to the company and make a modification on the loan or see if I am eligible for forebearance due to covid 19 I was still told I could not get any information and that since I not listed on the loan there was nothing they could assist me and I could not get any information to stop default. Now they have put house in foreclosure and have a auction set in XX/XX/XXXX and I feel that I have not been given the chance or information to best address any defaulted loan because I could not get information from there company. I have called emailed and wrote letters and now it has still not been addressed, I would like to be able to save my grandmothers home and get the proper information to modify and stop foreclosure
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Im the Fiduciary for my deceased fathers Estate. I attempted to get the payoff for the home. When I called XXXX and requested the payoff amount for the mortgage. They then referred me to the law firm ( XXXX XXXX XXXX XXXX ) handling the foreclosure. I requested from them in writing the payoff amount of the loan along with the amount needed to reinstate the mortgage. The law firm requested fiduciary documents. I provided those documents and they notified me theyd contact XXXX regarding my request. XXXX came back with documentation stating that I must provide some type of contract before they can provide the payoff amount for the mortgage. This is a violation of Reg 1026.36 ( C ) ( 3 ). Their refusal to provide the payoff amount prevents me from fulfilling my court appointed duty as Fiduciary, and from trying to save the home from foreclosure. This should be more transparent. The mortgage company/lender should be able to provide the amount needed to payoff the house mortgaged by them. A contract from some other third party has nothing to do with them being able to provide a payoff.
Company Response:
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what Ocwen quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75482
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: By letter dated XX/XX/XXXX, addressed and faxed to debt collector PHH Mortgage Corporation ( " PHH '' ) by and through third-party debt collector XXXX XXXX XXXX ( " Debt Collector RAS '' ) using the name of XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX ( " XXXX XXXX '' ), giving notice of errors and qualified written request pursuant to 12 U.S.C. 2605 ( e ) and 15 U.S.C. 1601 et seq., and demanding validation pursuant to 15 U.S.C. 1962 ( g ) ( See Exhibit A ) for the subject account because : ( 1 ) The XX/XX/XXXX monthly mortgage statement for the subject account from PHH states, in relevant part, that : You are currently due for the XX/XX/XXXX payment. Your last full payment was applied to the payment due XX/XX/XXXX. ( See Exhibit B ), and said statements constitutes continued errors in addition to false and deceptive statements by continuing to omit and conceal : ( i ) nine checks totaling {$15000.00} that were paid to and cashed by PHHs affiliate Litton Loan Servicing XXXX ( Litton ), starting with three equal installments of {$1900.00} each towards a trial modification under the Home Affordable Modification Program ( HAMP ) for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit C ), followed by six installments for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit D ), without any credit to the subject account ; and XXXX XXXX XXXX XXXX checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Litton without any legitimate reason or explanation ( See Exhibit E ). ( 2 ) The false statements and implications set forth within the aforementioned XX/XX/XXXX debt collection communication from PHH that the last payment made towards and / or applied to the subject account was for XX/XX/XXXX, are false because I did not make any payments for the months starting XX/XX/XXXX through XX/XX/XXXX upon following the instructions given to my late husband and I by Litton in order to qualify for a modification, and as Litton declared under penalty of perjury within its complaint filed on XX/XX/XXXX in the XXXX Court of New Jersey under Docket No. : XXXX ( the same day my husband died ) that a default under the subject account number occurred as of XX/XX/XXXX upon my failure to pay on XX/XX/XXXX ( See Exhibit F ) ; ( 3 ) PHH refuses to provide me with a monthly statement for XX/XX/XXXX as required by 12 CFR 1026.41 et seq. ( 4 ) PHH and Debt Collector XXXX continue to ignore my request to produce payments made for XX/XX/XXXX through XX/XX/XXXX as falsely stated and / or implied within the aforementioned XX/XX/XXXX debt collection communication. Then, on XX/XX/XXXX, the same day PHH acknowledged receipt of the foregoing notice of error and qualified / debt validation made pursuant to federal laws ( See Exhibit A ) and requested until XX/XX/XXXX to response, PHH and Debt Collector XXXX using the name XXXX XX/XX/XXXXcaused an application for final judgment to be filed in the XXXX Court of New Jersey under Docket No. : XXXX without answering the foregoing request made pursuant to federal laws, and provided the following false / forged information in support a Certification and Schedule of Amount Due by XXXX XXXX ( " Mrs. XXXX '' ) of PHH ( See Exhibit G ) that omits and conceals : ( 1 ) {$15000.00} in payments in the form of nine checks that I paid to ( and were cashed by ) PHHs affiliate Litton starting XX/XX/XXXX through XX/XX/XXXX ( See Exhibits C and D ) ; ( 2 ) omitting and concealing {$5100.00} in payments in the form of three checks that I paid for the subject account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that were returned by Litton without any just and/or legitimate reasons ( See Exhibit E ) ; ( 3 ) declaring a default as of XX/XX/XXXX which contradicts the XX/XX/XXXX date declared for same account in Docket No. : XXXX that was commenced the same day my husband ( XXXX XXXX XXXX ) died on XX/XX/XXXX ( See Exhibit F ), which falsely implies that payments were made towards the subject account between XX/XX/XXXX through XX/XX/XXXX ; and ( 4 ) failing to provide evidence of the alleged payments from XX/XX/XXXX through XX/XX/XXXX.
Company Response:
State: TX
Zip: 76543
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a equity line for the sum of {$40000.00} when i purchased my home thru Ocwen well this was in approx. the year 2001 well it was never disclosed to me that the XXXX XXXX dollar payments a month in the terms was only going toward the interest on this loan. I am a blot naive to real-estate practice and was never aware that this equity line has never went down for the past 20 years the loan was sold to PHH Mortgage within the last year or so, .well I got behind on payments to Ocwen and they tried to foreclose on my property. in which forced me to file a chapter XXXX.well last 5 years I have not missed a payment and my chapter XXXX is complete .I have tried to contact someone at PHH on numerous occasions in which I get thrown from one person to another and never get anything resolved. Now I have been sent a letter that the loan has reached its maturity and they demand that i pay {$37000.00} to them in which is impossible. I am stupid to believe my loan should have been paid off a very long time ago instead I just kept making interest only payments don't know which avenue I need to turn to.at the first of XXXX we were in a pandemic and I went to their hotline and did what I was told to-do well I assumed I was under a forbearance and with no work I could not pay for 4 months they tell me they have no forbearance documented now and this loan has reached its limit. don't know who to turn to feel like I have been taken fully advantage of the last 20 years because of my lack of education and being naive to the real estate procedures? don't know who to turn to for help cant afford a attorneys and feel I have no leg to stand on please direct me in the direction I need to go with this because nobody at phh mortgage has a clue what's going on I get put on hold from one person to another and every person in that company just don't want to deal with me so they either hang up on my call or put me on hold to someone else then get put on hold and the possess starts over in one vicious circle .I operate my own XXXX and I dont have four hours a day to play phone games with them and in the end never get anything resolved. please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80004
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I Just my home in XX/XX/XXXX for XXXX. In XXXX we fell on hard times due to son being ill. We filed chapter XXXX in XXXX hit the lottery for XXXX XXXX paid all post and prepetition debts mortgage increased XXXX a month. Again in XXXX husband became ill fell behind on mortgage entered in a new chpt XXXX in XX/XX/XXXX decided to sell home principal balance was XXXX sold for XXXX recieved XXXX at closing PHH stated payoff was XXXX as of today I do not own the home they are still reporting delinquent still trying to foreclose and staying I owe XXXX although I have all documentation. PLEASE HELP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I demand a copy of the instrument of definitive documents of a second mortgage. From the Mortgage Servicing company PHH Mortgage which is formally Ocwen Mortgage Servicing company. I`ve had this mortgage for a number of years with the original lender XXXX XXXX XXXX Please provide documents for the discrepancy and the balance being reported.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with PHH mortgage and they should pay the property taxes from the Escrow account, The taxes are due on XX/XX/XXXX and till today XX/XX/XXXX, they did not pay the taxes. I called them many times and their representatives ensured to me that they will pay the taxes on time, but they did not. I also faxed them a copy of the tax bill as received from the township on XX/XX/XXXX.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I ( XXXX XXXX XXXX ) applied for a mortgage modification through my mortgage servicing company PHH Mortgage. They sent me back a modification package that said i would have a balloon payment of XXXX at the end of the modification period. I have called them and talked to several people to try to get some clarification on the balloon payment. They have told me that the XXXX is in addition to the XXXX i currently owe on my loan. I couldn't believe what i was hearing, PHH mortgage company is adding XXXX to my loan amount because i am having trouble with making payments because i was forced to retire and my income is 66 % less than it has been. This is not helping me its actually hurting me in the long run. This can not be a fair practice, A mortgage company adds almost XXXX dollars to the balance of a persons loan whose income was cut by 66 %.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A