Date Received: 2020-09-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This letter is intend to send to GMAC Mortgage, LLC Executive team GMAC Mortgage, LLC has not approved my short sale / forclosure for the the address below XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX We have a buyer made an offer on the house 4 months ago and the buyer is able to meet GMAC 's LLLC appraised value amount. {$230000.00}. It's horible to get GMAC Mortgage LLC response and accept short sale or approve the sale contract. I have lost one buyer in the past due to their slow response. Very slow response or no response. GMAC does not look at my sitting short sale package to issue an approve pruchase contract. GMAC Mortgage, LLC really has no accountability for any dealines. GMAC has been really hard to deal with short sale/forclousre. GMAC executive and the management should be fired for getting paid and doing the job.
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Recently we refinanced through XXXX XXXX and they sold the loan to PHH Mortgage Services. After our loan was sold to PHH, the service on our mortgage account has been horrendous. They do a terrible job of communicating and applying our payments. XXXX XXXX sent us a letter on XX/XX/XXXX after our refinance was complete. It gave the address of where to send the first payment to PHH and the due date of XXXX. So I set up the address on XXXX XXXX pay and sent the first mortgage payment on XX/XX/XXXX. PHH did not get the payment posted for XXXX until XXXX!! I called XX/XX/XXXX to find out where our money was because it cleared out of our XXXX XXXX account. The PHH call rep said, " Nothing will post until after XXXX because we still don't have your account all set up. '' The payment for XXXX posted on XXXX. On XX/XX/XXXX I sent the second payment. It was also applied on XXXX. The statement we received from PHH on XXXX showed the second payment was applied to the XXXX payment. So no additional payment was required until XXXX. So I did not send a payment for XXXX. Today I just received in the mail two items from PHH. One is a refund check for the XXXX payment I sent. They coded it as " For Misapplication Reversal. '' The second item was a bill showing us past due for the XXXX payment. I am beyond frustrated with their terrible service!!! I am looking to refinance with a better mortgage company. It is unacceptable and my credit score better not be impacted as a result of this inept company!! I have called the PHH XXXX # numerous times and have been disappointed in their lack of knowledge. Plus, I get a different address to send payments to each time. I have no trust that they can manage my funds.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I have a loan with PHH Mortgage that was transferred. I am in Covid-19 forbearance. They are reporting my account as 120+ days late to XXXX and it's causing my credit score to go down. According to the cares act they shouldn't be doing this. Please help resolve this.
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for special Covid related forbearance for my FHA XXXX XXXX backed loan serviced by PHH mortgage back after the cares Act was passed. I used the special Covid forbearance tool on their website. After 3 months of forbearance and now 3 payments, I am unemployment due to Covid 29 and still struggling. I called to request 180 days additional forbearance as per the law and was told my INITIAL forbearance was not even designated as.Covid related and this entire time I had been told it was
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX XXXX XXXX and I sold a property in XXXX XXXX Georgia. We owned the property and there was money left in Escrow. Recently when I checked our post office box in XXXX XXXX Georgia the checks were in the box but the envelopes were damaged. The checks had past the 180 day mark and now were to old to cash and they have not been cashed. I have contacted XXXX XXXX XXXX which is now PPH motgage and have not gotten a response for 6 months now. I was told to send copies of the checks to the research department which I did twice and faxed copies numerous times. It is now XXXX and we still have not gotten replacement checks for our money in escrow and every time I call they say it will be looked into.Still nothing.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I would like to inform you my lender approved me to home modification, and I passed the 3 months trials from XXXX to XXXX. They sent me pockets for signature and notarized it.Multiple times my lender sent home modification pockets.The last pocket I sent was XXXX via US postal.3 days delivery.It has 1 more week before the timeframe lapse.Then as of today XX/XX/2020 I received letter from my lender that my application is denied to some reasons : I failed to submit the Home Modification Agreement in the time frame provided for me. I have the receipt of my mail that I sent to my lender.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dr XXXX XXXX ( Social Security XXXX ; CA DL XXXX ) XXXX XXXX XXXX ( Social Security XXXX ; CA DL XXXX ) XXXX XXXX XXXX XXXX, CA XXXX Mortgage Service Center Acct # XXXX ( also reported as Account XXXX ) Dear FTC I am writing this letter to the FTC because I have not received help from PHH Mortgage or XXXX. I have sent them three letters noting how the error happened, bank statements to show how consistently I paid and how accelerated my payments were, notes from my calls to XXXX and XXXX, and multiple email messages from XXXX showing how frequently their XXXX erred. The loan from XXXX was serviced by XXXX and I was paying 2 payments per month and paid the loan off from XXXX. I remain very negatively affected by their incorrect credit report. I am attaching for your review 6 months of XXXX bank statements along with 7 pages of notices I received from XXXX showing that their XXXX frequently malfunctioned. You can see from these statements and the XXXX problems that XXXX XXXX did not go out for no fault of mine. A review of my payment history will show that I very eagerly paid twice a month and had accelerated my payments. I do not know why when the XXXX had been set up for payments, why XXXX XXXX did not send the two payments in XXXX. Given my excellent history of payments and recurring pattern of failure of XXXX XXXX, notes that show I called XXXX repeatedly to rectify the situation, my long history of relationship with XXXX, and sober credit usage, I am requesting that the negative credit information reported in XX/XX/XXXX be removed. As I have indicated in my previous letter, I contacted XXXX multiple times with issues we had sending payments using XXXX. I sent copies of my handwritten notes for each instance I called XXXX to report how much difficulty I was having with the XXXX feature. I am writing to get your help with account # XXXX ( also listed as XXXX ) which had negative information reported for XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX ) XX/XX/XXXX to all three credit bureaus. We are loyal XXXX Wealth and Personal Banking clients. We have in the past had a home loan with XXXX, multiple checking and savings accounts, and a brokerage account with over {$250000.00} balance. Likewise , Dr XXXX XXXX has had multiple checking, savings, and credit card accounts in addition to this home loan account with XXXX. We have been very timely and careful with our credit usage at XXXX. A review of our account will show we have paid everything in full and on time. We pride ourselves in being diligent in paying our bills. My wife and I are both surgeons with a busy clinical practice. We are in the process of buying a Covid-19 testing machine and a credit check revealed this negative information which precludes buying the machine. The account was set up when we refinanced our home with XXXX in XX/XX/XXXX. Using the help provided by XXXX, we started the XXXX option on our XXXX account. This system worked well for us until we began to accelerate our payments. Due to the accelerated payments, an issue occurred with XXXX XXXX software in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a statement noting the payment had not been received. I immediately contacted the Mortgage Service Center at XXXX and spoke to XXXX. I told her we had accelerated our payments and that a glitch in the XXXX software had prevented the payment from going out. She said this happens all the time with XXXX XXXX and given that we work so closely with them, we will clarify what happened here and remove this information. This occurred through no fault of mine and instead was caused by problems in XXXX XXXX software. On XX/XX/XXXX, I had another minor issue with the way the Principal was being reduced with the accelerated payments and called the Mortgage Service Center at the same number above. They said all the payments were fine and that the home was nearly paid off. WhenI inquired about the negative information from XX/XX/XXXX, the staff person I spoke with, XXXX, said that the issue hadnt been corrected. XXXX was very understanding when I explained that we were very loyal customers of XXXX, that we had been doing accelerated payments to pay off the home, and that a software glitch in XXXX had likely resulted in the payment not being received. She said that it is not a problem Sir because your payments are way ahead of schedule. She said she had put in a ticket that should quickly resolve the problem. Despite multiple attempts, the negative credit information was not removed from the 3 credit bureaus. I have paid all monthly payments and the entire loan without any issues because I am a loyal XXXX customer. The people we spoke with acknowledged that this was a minor issue on XXXX XXXX side. Theyve assured us there would be no negative credit information reported. I am attaching a copy of a recently obtained report which corroborates the negative information reported to XXXX, XXXX and XXXX. I have spent considerable effort contacting you via phone to rectify this error. We are very loyal customers and we hope you will be able to correct this information with all 3 bureaus for XXXX XXXX and XXXX XXXX. We made no mistake in sending you timely payments. I do not feel it is fair despite multiple calls to correct this situation that we should have this negative information in our file. Our community is suffering from Covid-19 cases. I hope you will be able to resolve this credit issue expeditiously please for the sake of our community. I have already sent copies of my handwritten notes of my phone calls and a copy of my driver 's license to PHH and XXXX in three prior correspondence. Please note all the people I have cc 'd below in my correspondence with no help. Sincerely yours , Dr XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX President and Chief Executive Officer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Mail stop XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95382
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: OCWEN IS REFUSING TO REFUND MY EXEMPT FUNDS STOLEN FOR {$16.00}, XXXX IN XXXX AND XXXX THEY ARE LISTED AS THIRD PARTY CLAIMS IN MY BANKRUPTCY. SHOULD YOU FAIL TO REFUND MONIES WITHIN 15 DAYS WILL SEEK ADVERSARY PROCEEDINGS AND START CLASS ACTION LITIGATION.SEE ATTACHED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My 2019 XXXX Property tax still not paid yet, despite of many attempts and complaints via phones and emails I did to PHH Mortgage Services. Right now I was approved for home modification, because I had a hard time to pay my mortgage. I did apply for Home Modifications and my lender approved it, and I passed the 3 months trials. My only concern why my property tax was not paid yet for XX/XX/2019.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for addressing the following concernsregarding the Foreclosure and Resale of XXXX XXXX XXXX XXXX, Texas XXXX of complaint to the Fair Housing Authority, due to issues that occurred once delinquent. Also, violations of the Comptroller of Currency ( O.C.C. ) will display Compliance risk, Credit risk, and Strategic Risk, which are violators of the Unfair Deceptive Abusive Act Practices. Furthermore, within the Fair Credit Reporting Act sections 610 & 611 with credit reporting. Sec. 802. [ 42 U.S.C. 3602 ] under the Fair Housing Act In conjunction with the Uniform Residental Loan Application Agreement, which under section the " liability after foreclosure, '' which may protect consumers after foreclosure of a remaining balance. While the original loan provider Ocwen Co. targeted me financially unsophisticated while facing distressers, age characteristics, and decent. Credit Risk, while undergoing the modification process, the term of the contract of 360 months increased to 420 months. In contrast, the agreement 's duration, the modification did not display any significant changes. Strategic Risk if the home was foreclosed and sold at {$170.00} XXXX, the original loan was {$160.00} XXXX if there were equity within the property. What resources could have allocated to ensure a full understanding of what could have prevented foreclosure? They're compromising notations within all Credit Reporting Agenciesfalse information furnished on credit profile with the possible intent to possibly due harm. With the continued inscriptions, creditworthiness and score continue to decrease. The property foreclosed was valued at XXXX and sold for XXXX XXXX. The original loan amount closed XX/XX/2005 for {$160000.00}. I am requesting equity on the property during the time of foreclosure. If the valued property did not increase, which could have prevented foreclosure, how was this formulated? T During the proceeds, documents were unclear even during the refinancing of the mortgage. Areas of uncertainty arrived when the modification didn't assist with financial troubles, under the Loan Application Agreement, which under section the " liability after foreclosure, '' may protect consumers after a remaining balance. The protection which may have prevented any additional debt on the home, I was forced to forclosed. P.H.H. company who service property issued documents for signature ; however, unclear of verbiage. While new provisions set, I can stay in a home as a tenant and no longer a possible homeowner.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A