Date Received: 2020-10-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company PHH Mortgage has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company PHH Mortgage. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXXXXXX! XXXX? XXXX
Company Response:
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have tried to make payments to PHH online. I set up autopay online. They have failed to withdraw the money from my bank account. I have been fighting with them to take my money since my mortgage was sold to them and now they are sending me late payment notices and returned item charges. PHH is incompetent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84045
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Original Complaint XXXX submitted XX/XX/XXXX. Case closed XX/XX/XXXX. Company ( PHH ) did not fully respond to my complaint. I received partial refund of trial payments on XX/XX/XXXX as described in the response to my complaint from PHH. on XX/XX/XXXX I corresponded via email with council of PHH. ( email attached ) on XX/XX/XXXX PHH 's council requested and I supplied additional documents to support my complaint. ( email attached ) on XX/XX/XXXX I requested an update from council of PHH, and no response. The following 3 issues were not responded to or resolved : 1- Refund of 7 misapplied trail payments XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX Endorsement of Insurance check in the amount of XXXX payable to Ocwen and XXXX XXXX . 3- Financial relocation aid - {$10000.00}
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: CFPB : Reaching out because I noticed on my credit report that Ocwen Loans is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. Thank you,
Company Response:
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We got a loan modification through XXXX in 2012 with our mortgage company AHMSI, now the mortgage company is XXXX XXXX. We thought we received a principal reduction modification loan it turns out we received a an interest reduction loan with a balloon payment do at the end of the loan. We were tricked. Want to receive what I was promised. That was a principal and interest reduction loan with no balloon payment at the end. We feel like we have been victimized again by our loan company. Can you help us resolve this matter?
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am requesting to add additional information in documents and recordings to my complaint Complaint Number XXXX, which I would like to submit as part of my Case Number XXXX as evidence.
Company Response:
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a second mortgage account with PHH load servicing. I received a billing statement for the month of XXXX that showed {$0.00} due, and my account was then updated to show a payment due of {$350.00}. I attempted to make this payment multiple times via phone and email and their systems would not allow me to make the payment. I finally reached an agent on XX/XX/XXXX and they told me that my loan had matured and I couldnt make the payment that their systems communicated to me as due, but must pay the balance due. Additionally, they told me that they would have to request a payoff quote, which they processed and I didnt not receive until XX/XX/XXXX, nearly 3 weeks later. I will be wiring them the funds tomorrow, XX/XX/XXXX. My account was reported past due to credit agencies last week significantly impacting my score after not missing a payment on this account for the full 15 years of its existence. I am incredibly disappointed in the servicers communications, innacurate billing statements, and flat out refusal to help resolve the issue. I was even told by an agent at PHH on XX/XX/XXXX that my accoint WOULD NOT be reported as pst due as they wouldnt accept my payment. I am attaching a copy of the dashboard stating the payment due that they would not allow me to make.
Company Response:
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, this complaint is regarding PHH Mortgage company. PHH, for the past 6 months, has consistently misapplied my monthly payments and extra principal monies I have periodically also submitted. I believe their intent is to get more interest money as I attempt to pay down this loan. I am concerned that are also doing this to other clients, which is my reason for contacting you. In attempting to correct these errors, I only receive inconsistent communication from PHH, despite my best efforts to work with them. At this time - without notice - PHH has blocked on-line payments and an extra principal payment is unaccounted for ( withdrawn from my bank account but not credited or acknowledged on my account ). Thank you for providing this consumer service. I can provide you with more details at any time. Sincerely, XXXX XXXX
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Our mortgage was sold to PHH Mortgage Company last year. We were in the process of modification with the prior company Ocwen. They lost the modification information so we had to start all over again. They reported negatively to the credit bureau on multiple accounts. Now after we finally get things situated, they still don't have the payments updated correctly and it is still effecting my credit score negatively. I have spoken to them several times on behalf of this issue. They are outsourced and very hard to speak to so I also believe there might be something lost in translation at times or the lack of caring for customer service.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with Ocwen Mortgage Company, XXXX, PHH Mortgage company since XXXX, since The Great Flood of XXXX, in XXXX XXXX, Louisiana. I was not offered any Disaster Assistance, nor was I offered any Hardship Assistance, No assistance. I was told that The Loan Servicer, sympathized with our family, but that my ex husband, XXXX XXXX XXXX had signed a borrower contract. However, my ex husband refinanced the house in XXXX, we purchased the home in XXXX of XXXX, this was XXXX XXXX years ago. I separated from my husband in XX/XX/XXXX, I obtained three jobs, to support my family of XXXX children, whom XXXX of the XXXX children were born premature. However, my first born daughter was born at XXXX months, birth weight XXXX pounds XXXX ounces, my second born premature, born at XXXX months birth weight XXXX pounds XXXX ounces, third born, born at XXXX months, birth weight XXXX pounds XXXX ounces, I found out that I had a incompetent XXXX, I could not hold my babies, XXXX XXXX, and finally, I had never been so thrilled, to finally carry a baby, to full term, once I was finally diagnosed with an incompetent cervix, remedy, I had to undergo sever XXXX. Finally, my last born was born at XXXX months, weighing in at XXXX pounds XXXX ounces. I worked, to provide for my children, that is the reason, WHY, AFTER THE FLOOD, I, CONTINUED TO MAKE MY MONTHLY PAYMENTS, KNOWING THAT I, WE DID NOT HAVE FLOOD INSURANCE. I was forced to file for Chapter XXXX Bankruptcy XXXX, trying to save our family home. I did not want to file for chapter XXXX Bankruptcy Protection, but my Loan Servicer, constantly LIED, THEY DELIBERATELY, TOLD ME THAT, there was nothing that my family or I could do, I finally had to contact the XXXX OF LOUISIANA, I was told that I had been LIED TO. I TOLD THE XXXX, how I was injured on my job, how I paid over XXXX XXXX dollars, for a house that was deemed unlivable, because of the Structural Integrity of the roof collapsing, infestation of XXXX mold, mildew, and termites, I notified Ocwen Mortgage Company, now NewRez/PHH Mortgage, I was told that unfortunately nothing could be done, I was told on several occasions, that because my ex husband XXXX, was the primary borrower, that I could not do anything LEGALLY IN MY POWER, I WAS FORCED TO FILE FOR CHAPTER XXXX BANKRUPTCY PROTECTION ON XX/XX/XXXX. I WAS BACKED INTO A CORNER, BY ALL PARTIES MENTIONED EARLIER. I was told by THE THIRST FOR JUSTICE PROGRAM, that I needed to try to call the above parties mentioned, because they were not being truthful, about me being able to qualify for a HARDSHIP, OR DISASTER ASSISTANCE PROGRAM, BECAUSE LEGALLY I OWN XXXX PERCENT OF THE PROPERTY. I have spoken to XXXX XX/XX/XXXX, XXXX with the home Affordable Modification Program, called again on XX/XX/XXXX, called again on XX/XX/XXXX representative ID XXXX. Deceptive Act and Practices false, misleading and inaccurate statements. Therefore, all of the above mentioned Mortgage Companies have deliberately misled my family about everything that we have asked for help on, I am constantly reminded by the above mentioned companies that they take accusations very seriously, well, undoubtedly, you do not, I even asked, for XXXX, XXXX, amongst others, to not contact me, or to not even work on my disputes, I was totally ignored, they continued to not only work on my case, but the DECEPTIVE, MISLEADING CLAIMS WAS NEVER LOOKED INTO, UNTIL, I REACHED OUT ON SOCIAL MEDIA, THEN I WAS ASKED TO DIRECT MESSAGE OCWEN, OCWEN, DID NOT WANT SOCIAL MEDIA TO READ MY COMPLAINT. I was also LIED TO ABOUT, only my ex husband, could file for loan modification, or bankruptcy, I was told by several ATTORNEYS, that I owned XXXX percent of the property, I have also noticed that each time, I submit a complaint, that Ocwen, XXXXPHH Mortgage company, always responds before they even do any research. I was also told that I have several RESPA letters, that have not been addressed, I have further contacted XXXX XXXX XXXX, about my hardship experiences, that I have been experiencing since THE FLOOD OF XXXX, this was before the Pandemic, I was contacted by XXXX, TO DO A STORY, HOW I AM STILL OUT OF OUR FLOODED HOUSE XXXX YEARS AND XXXX MONTHS. THEREFORE, I can bring my story, our story both DOMESTICALLY, AND NATIONALLY. I am going to submit DOCUMENTS AS EVIDENCE OF, PHH MORTGAGE, STILL ASSIGNING XXXX, AMONGST OTHER REPRESENTATIVES, AS MY CONSUMER OMBUDSMAN, I would like to also mention that I did not receive any of this paperwork, until I filed my last complaint on XX/XX/XXXX, XXXX all before PHH Mortgage, were not adhering to my RIGHTS AND THEIR RESPONSIBILITIES. I have ruined the little credit that I did have, by the LIES, DECEIT, THE WILLFUL OMISSION OF PERTINENT CONSUMER DIVISION OF FINANCIAL REGULATION, DID NOT FOLLOW PROTOCOL.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A