Date Received: 2020-09-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Some time in XX/XX/XXXX, PHH Mortgage sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with PHH Mortgage since XXXX. When PHH sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX, XXXX, and XXXX as a closed account. I did not authorize nor request the account be closed. This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, Transunion said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
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. NEITHER PHH MORTGAGE SERVICES OR XXXX XXXX. HAVE 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 nor has XXXX XXXX. responded to the PREVIOUS federal complaint. Both companies 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 XXXX XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then hires XXXX XXXX. to advertise the sale and foreclose on my home. I filed a complaint against the firm on XX/XX/2020 and then asked XXXX XXXX. to Validate the debt on XX/XX/2020 certified mailing number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. has not validated the debt to date. However, they have rescheduled the foreclosure sale for XX/XX/2020. ( attached ) 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. has received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. It has been well over 30 days and XXXX has yet to validate the debt. Yet this firm still continues to attempt to foreclose on my property. Their actions 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. is aware of the laws that govern Georgia Foreclosures. These are also acts of illegal foreclosure, fraud and theft by taking. I would like XXXX XXXX. and PHH to prove that XXXX or XXXX 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.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our mortgage company ( PHH Mortgage ) failed to make a periodic property tax payment on our behalf. Our home is now subject to a tax lien sale.
Company Response:
State: CO
Zip: 80907
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: PHH Mortgage Corporation d/b/a PHH Mortgage Services ( " PHH '' ) by and through XXXX XXXX XXXX ( " Attorneys DM '' ) and the latter 's employee XXXX XXXX ( " Attorney XXXX '' ) caused a false response to be forwarded to the Consumer Financial Protection Bureau ( " CFPB '' ) by use of wires in violation of 18 U.S.C. section 1343 that is enclosed hereto as Exhibit A, by falsely stating that I defaulted upon the subject mortgage loan as of XX/XX/XXXX, contradicts the XX/XX/XXXX date of default declared under penalty of perjury by PHH 's predecessor Litton Loan Servicing LP ( " XXXX '' ) to the Superior Court of New Jersey by foreclosure debt collection complaint filed JXX/XX/XXXX under Docket No. : XXXX, a true and correct copy of which is enclosed hereto as Exhibit B. Within the XX/XX/XXXX response to the CFPB enclosed hereto as Exhibit A, PHH by and through Attorneys DM and Attorney XXXX are concealing approximately {$21000.00} in monthly payments that I made towards the subject account from XX/XX/XXXX through XX/XX/XXXX, of which approximately {$16000.00} was cashed by PHH 's predecessor and / or affiliate Litton Loan Servicing LP ( " XXXX '' ) and never credited towards the subject account. I hereby ( submit ) again to the CFPB as Exhibit C checks totaling {$15000.00} that I made, PHHs predecessor XXXX cashed and failed to credit my account for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; and XX/XX/XXXX. I further submit ( again ) to the CFPB as Exhibit D checks totaling {$5100.00} that I made, PHHs predecessor XXXX received and rejected without good cause for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I further object to and reject the false statement made within the response electronically submitted to the CFPB by PHH through Attorneys DM and Attorney XXXX, that PHH has provided me with all the information that I have been requesting since XX/XX/XXXX to present date by way of debt validation letters, qualified written request, and presentation of transferable record pursuant to applicable federal laws, for which they have responded with : ( 1 ) incomplete responses ; ( 2 ) no responses at all ; and / or ( 3 ) contradictory and / or forged evidence. Essentially, PHH as the successor of XXXX has stolen at least {$15000.00} from upon taking and cashing the payments that I made to XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX without crediting the subject account. Attorneys DM and Attorney XXXX are, essentially, aiding and abetting said theft of my monies and attempted theft of my property by PHH as the success of XXXX upon falsely stating to the CFPB onXX/XX/XXXX that I defaulted as of XX/XX/XXXX ( See Exhibit A ) when the evidence that I have enclosed hereto as Exhibit B ; Exhibit C ; and Exhibit D demonstrates otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76543
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/2019 I began having difficulty making my mortgage payment. I tried to pay half and then catch up XXXX, and was unable to do so based on PHH ( a subsidiary of Ocwen ) not accepting partial payment and not responding to my question. I then applied for a modification. I sent all the required documents to them. They claimed not to have received them. I sent proof to them that they were sent. Then they claimed that the tax returns werent signed. I verified they had been. I then reached out to a short sale company, but was told by my relationship manager that I had to first request modification. She stated she saw that the tax returns were signed and didnt know what the problem was this was in XXXX. The Real estate agent I was working with was unable to get anywhere with the mortgage company regarding what they wanted and how to go about getting the property sold. In XXXX I lost my job. I advised PHH this. They did not care. I made calls to them daily and each time theyd say a different thing or state that I didnt send them this document or that or that it was outdated and any excuse they could find. I needed to move because I lost my job. I hired a different agent who I thought could better assist me. I was finally denied the loan modification so I could proceed with liquidation. When I finally obtained a buyer I was told that I had been approved for the short sale and also that I could get a cash incentive or a consideration payment of up to {$4500.00}. This was in my letter. I was then told the buyer would have to pay for it. The buyer has been waiting since XXXX to get the home. Buyer threatened to back out because they didnt want to pay my relocation fees. We are still fighting with the bank. I feel nothing will get resolved and the home will be foreclosed on. I have no guidance in this manner.
Company Response:
State: OR
Zip: 97008
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Due to financial difficulties and health problems, I was not able to make payment since XX/XX/XXXX. The monthly payment was XXXX XXXX XXXX principal and XXXX interest ) No escrow. My balance was XXXX on XX/XX/XXXX. I sold the house XX/XX/XXXX. ( 16 months later ) and it took them one week to come up with pay off amount. Finally the said it is XXXX That was XXXX interest, penalties and fees over 16 months. In other words, they charged me XXXX MONTH and I find this amount outrageous. Looking at the pay off letter, I notice they charged XXXX ESCROW. I have been calling them and they do not talk to me because I have a lawyer. When my lawyer called, they needed a letter from me authorizing my lawyer to talk to them. In the meantime, no money exchange is happening. I do not think the employees understand what they are doing because this can go on for years with their bureaucracy. I think this amount for escrow was plugged in by mistake and if we take that amount ( XXXX ) the pay off will make sense.. The escrow for XXXX was already accounted for in the closing paper.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hi, I contacted PHH Mortgage XX/XX/XXXX, which is the holder of my mortgage. I wanted to do a refinance of my mortgage. I wanted to do a soft pull of my credit, however, I was advised by XXXX XXXX, that to get a real view of what can be done for me she would need to pull my credit so I agreed. She said my credit was good and she provided me with the rates and term of loan options available to me. I told her I wanted to call her right back after I checked with another company. I called XXXX back after about less than 1 hour and I was unable to reach her. I left a voicemail. I called XXXX again XX/XX/XXXX and sent an email. I sent another email to XXXX XX/XX/XXXX. After still no response from XXXX, I called PHH Mortgage and reached XXXX XXXX on XX/XX/XXXX. I forwarded XXXX the last email thread I sent to XXXX. The interest rate had gone up from the time I spoke with XXXX, so I told XXXX I would wait. But it appears XXXX also ran my credit because I received an email from him on XX/XX/XXXX XXXX, thanking me for my loan application. On XX/XX/XXXX I called again to PHH Mortgage to try to speak with XXXX or XXXX. XXXX XXXX sent a message to one of them that I needed a call back because I would like to proceed with my loan application. XXXX stated she could not assist me because she is not registered in the state my home is located and that she would have someone reach out to me. On XX/XX/XXXX XXXX, I reached out to XXXX that I had not received any call from anyone. On XX/XX/2020 XXXX I emailed XXXX XXXX XXXX still had not heard from anyone and if there was anyone that could help me. XXXX responded should could help but her Internet access was not working and she would reach out when she had access. On XX/XX/XXXX I called PHH Mortgage and spoke with XXXX XXXX. XXXX pulled my credit again. He advised I could probably get a refinance, he but he needed additional information regarding the loan feature on my XXXX XXXX credit card. I had to send him documentation regarding this feature and how it worked because it was something he had never heard of before. I emailed XXXX on XX/XX/XXXX requesting that he call me. It was difficult taking screenshots of the XXXX XXXX online page and sending it to him, I thought it would make more sense to send him a link so he can view the feature himself. I never received an email response. I then called PHH Mortgage on XX/XX/XXXX and tried to reach XXXX, initially the representative was unable to reach him, however, and when I suggested I would contact the Attorney General, XXXX was able to take my call. XXXX advised me he would need to pull my credit a 4th time. At this point I told him no, this would mean my credit would be pulled 4times within less than a 6 month period. I requested to speak with a manager. I called and left a voicemail and followed up on the same day with an email to XXXX XXXX. XXXX responded and said he would look into the matter and get back to me. I followed up with XXXX on XX/XX/XXXX. I received an email from XXXX XXXX on XX/XX/XXXX stating XXXX XXXX would be reaching out to me. XXXX XXXX called me, ran my credit and advised I PHH could not refinance my mortgage! How is this possible after the multiple times my credit was pulled, the rates and terms that were provided to me? I emailed XXXX XXXX about the discussion XXXX XXXX and I had. I explained to him how the other representatives pulled my credit and told me they could assist me with refinancing. All he did was apologize. Why would they do this if this could not be done? Why was my credit pulled so many times in a 6 month period? I spend a lot of time guarding my credit and PHH Mortgage may have set me back many points because of their possible Fair House Act failures. Is it possible corrections can be made to my credit from their inability to have properly trained individuals pulling my credit?
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: PHH Mortgage failed to provide legally mandated notice requirements for changes to mortgage servicing. As a result, a payment was late. The late payment should not be reported to credit bureaus and the grace period allowed by Federal law should be tolled until such time that the consumer actually received adequate notice of who the mortgage servicer was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage is supposed to have my property taxes included in my escrow. Just like my last mortgage company that they bought me out of. Since I own a mobile home. Land, and house taxes are billed separately. The total amount is what my property taxes are, and have been for 5 years on my escrow with my last mortgage company. However they are only paying the land taxes out of my escrow and refusing to put my home taxes back on my escrow, and include it in my property taxes. This is already in my legally binding contract with the previous mortgage company that they bought me out of. I never had an issue with this for 5 years until PHH bought me out of my mortgage with XXXX XXXX. I contacted them numerous times. Spoke to numerous " escalation '' managers. One named XXXX. He gave me his extension that he never answers and his voicemail box is always full. I get hung up on, I get excuses. But no answers as to why they removed my home taxes from my escrow account. I have never missed a mortgage payment. I'm on the verge of filing a lawsuit. I have been dealing with this for months now.
Company Response:
State: SC
Zip: 29642
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A