Date Received: 2020-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: last year I tried to pay off the loan ocwen sent my bank an overblown payoff with no proof of the quote.i had previouslyrequested my payment history and it said XXXX they sent a payoff quote of XXXX the original amount I borrowed was XXXX from XXXX back in XXXX there fore I went into a 3rd straight bankruptcy dealing with all these companies. XXXX, XXXX, ahmsi, homeward, ocwen, now phh. I had a complaint against ocwen last year with the cfpb for changing my maturity date and adding on 5 months to my loan and they lied to me and the cfpb saying I was wrong. even though I showed them the proof.well when I filed the bankruptcy to stop the forclosure the maturity date had changed back to the original date. I have that proof. the money never came off. I owed XXXX in principal and interest according to their records.then when they sent in they proof of claim it was now XXXX with no proof I have seen. plus another 8.25 percent interest on the XXXX. I put the house into the bankruptcy to make sure I get credit for it since they never over 15 years gave me credit for my payments. here is what I want from them ; proof on my account what I owe ; dates the money was posted to my account, credit for the extra 5 months they added to my account and what I owe them down to the penny.also my chapter XXXX was dismissed XX/XX/XXXX and XXXX dollars paid to them and that too should be added to my account.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Today ON XXXX XXXX 2020, I ATTEMPTED TO GET HELP ONCE AGAIN FROM PHH MORTGAGE. I SPOKE TO A MANAGER NAMED XXXX. I SPOKE TO HIM BECAUSE THE PERSON ASSIGNED TO ME NEVER CALLED ME BACK. THE PERSON WAS ASSIGNED TO ME AS A RESULT OF A COMPLAINT TO THE CFPB. THE MANAGER SOUNDED AND FELT AS IF HE WAS XXXX TO ME BASICALLY. HE SEEMED TO ALREADY HAVE A PARTICULAR MINDSET. I TOLD HIM MY ISSUES AND ONE OF THE ISSUES WAS THAT I WANTED THE INQUIRIES REMOVED FROM MY CREDIT REPORT. I REJECT THE FACT THAT MY CREDIT WAS PULLED 3 TIMES WITHIN TWO MONTHS.HE SAID THAT HE DOESN'T HAVE AUTHORITY. I SAID I KNOW THAT IT CAN BE DONE BECAUSE PHH REMOVED A DISPUTED ITEM FROM MY CREDIT BEFORE. HE THEN CHANGED HIS STORY AND SAID IT WAS MY CHOICE BECAUSE I REFUSED TO HAVE AN APPRAISER COME TO MY HOME AND THE INQUIRIES WERE VALID. I TOLD HIM THAT WAS ABSOLUTE XXXX AND INSTEAD OF ASKING WHY HE SAID HE WAS GOING TO TERMINATE THE CALL IF I DIDN'T CHANGE MY LANGUAGE. I REALIZED THEN HE HAD NO INTENTION OF HELPING ME.SO I BASICALLY CONTINUED TO BLESS HIM AND HUNG UP THE PHONE. ANOTHER CONTACT WITH AN INCOMPETENT PERSON. I DEMAND TO BE ABLE TO REFINANCE WITHOUGHT PREJUDICE. I ATTEMPTED TO OBTAIN A VA LOAN AND NOT ONE LOAN OFFICER EITHER KNEW HOW TO OR WAS ILL EQUIPPED. THE LAST PERSON FINALLY WANTED ME TO REFINANCE WITH A FEE I HAD TO INFORM HER I WAS EXEMPT AS A XXXX VETERAN. SHE TRIED TO QUICKLY HAVE AN APPRAISER COME TO MY HOUSE. I THOUGHT I WAS DOING A STREAMLINE REFINANCE. I NEVER DISAGREED I JUST WANTED MY OPTIONS EXTENDED. SHE HAD AN ADDITUDE AND NEVER CALLED BACK. NOW I REALIZED THAT PERSON LIED ABOUT THE APPRAISER EPISODE. I NEVER REJECTED THE ASPECT IF AN APPRAISER. I DECIDED NOT TO DO A VA LOAN AND JUST DO A FHA WITH AN APPRAISER IF I DO NOT GET ANY HELP I WILL FILE A COMPLAINT WITH THE OFFICE OF CIVIL RIGHTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: WE already submitted complaint regarding offering loan modification after the auction.PHH respond is not included why they did not offer us loan modification options before the auction and when we are ready to pay the negative amount, why they are not working with us. We are trying to contact them since last year but only they have ability to call us or contact us, but never responded what we ask. We need PHH to schedule meeting with our attorney and let us to share all court order and other facts to them
Company Response:
State: MA
Zip: 01902
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to work with them since XX/XX/XXXX/XX/XX/XXXX to do a deed in luid. They keep saying its pending then they say they have everything and then they have not got anything from me. I have emailed the documents to them. Everytime I call I get a different answer and I have requested a manager to call me and no one will call me. Im going through a divorce and trying my hardest to prevent the foreclosure ( they said is on hold ) right now but they are making it impossible. I feel at this point they dont want to help me or work with me and just want to foreclosure on my home. I have called them over 100 times in the past couple of months and have emailed as well. They also had a company go into my home to Secure it as they say but this company went in and pushed everything to the middle of the room and covered it with plastic paper. But while doing this they damaged my property in my home!
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fall behind on my payment do to corvid 19 I lose my extra income. because stay home. and they ad some fee over {$10.00} during pandemic but now I want to make a payment regular monthly, its very hard the amount they ask me to pay. and I really don't understand what they adding, i have no knowledge at all abut my home lawn. please help me to save my home .they not contact me at all. I really don't know what to do.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXX XXXX PHH Mortgage Services ( " XXXX XXXX ), Ocwen Loan Servicing, LLC ( " OLS '' ) and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) are committing mail fraud in violation of 18 U.S.C. section 1341, the crime of fictitious addresses and persons in violation of 18 U.S.C. section 1342, conspiracy in violation of 18 U.S.C. section 371 and other predicate acts in violation of State and Federal criminal statutes as it pertains to their unlawful debt collection practices and illegal foreclosure in the XXXX XXXX of New Jersey in further violation of the consent judgments entered in the XXXX XXXX XXXX for XXXX XXXX XXXX Columbia on XX/XX/XXXX ( See Civil Action No. : XXXX ) and XX/XX/XXXX ( See Civil Action No. : XXXX ). In response to my XX/XX/XXXX communication forwarded to XXXX, PHH and XXXX XXXX regarding account number XXXX and Docket No. : XXXX ( XXXX XXXX. XXXX ) and made pursuant to 15 U.S.C. section 1962 ( g ) ; 12 U.S.C. section 2605 ( e ) and 15 U.S.C. section 1601 et seq. ; and 15 U.S.C. section 7021 ( f ), Attorneys XXXX responded with communications dated XX/XX/XXXX ( See Exhibits " A '' and " B '' ), while XXXX responded with communications dated XX/XX/XXXX ( See Exhibit " C '' ) and XX/XX/XXXX ( See Exhibits " D '' and " E '' ) with exhibits enclosed thereto that along with the responses are false, deceptive and / or incomplete for the following reasons : 1. the communications regarding the above referenced account number and civil docket number sent from Attorneys XXXX as third-party debt collectors and foreclosure counsel that are tilted MORTGAGE REINSTATEMENT QUOTE '' ( See Exhibit " A '' ) and PAYOFF QUOTE VALID THROUGH ( See Exhibit " B '' ) that are both dated XX/XX/XXXX ; XXXX c/o PHH as debt collectors both dated XX/XX/XXXX ( See Exhibits " D '' and " E '' ) ; and the Monthly Mortgage Statement from XXXX c/o PHH dated XX/XX/XXXX for the payment declared XX/XX/XXXX ( See Exhibit " F '' ), are false and deceptive upon declaring a default as of XX/XX/XXXX for an alleged failure to pay the installment due, while concealing and omitting that : a. the above reference account number went into default with the payment missed for the installment due XX/XX/XXXX and the installments due each month thereafter as declared within the foreclosure complaint filed on XX/XX/XXXX in the XXXX XXXXXXXX of New Jersey under Docket No. : XXXX by Litton Loan Servicing LP ( Litton Loan ) through XXXX XXXX XXXX, XXXX. ( Attorneys XXXX ) on the same day XXXX XXXX died ( See Exhibit " G '' ) ; b. no payments were made for the months due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX following Litton Loans election to accelerate and demand the total indebtedness declared owing towards the above referenced account number upon commencement of foreclosure on XX/XX/XXXX under Docket No. : XXXX ; c. on XX/XX/XXXX, I executed a Trial Modification Agreement prepared and offered by Litton Loan for the above referenced account requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " H '' ) and forwarded the trial modification agreement along with two certified checks each for {$1900.00} dated XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX trial modification payments that were received and cashed by Litton Loan ( See Exhibit " I '' ) ; d. by certified check dated XX/XX/XXXX, I made the last of three trial modification payments for {$1900.00} that was received and cashed by Litton Loan ( See Exhibit " J '' ), the latter of who failed to permanently modify the above referenced account number promised and, instead, maintained the foreclosure action filed the same day as XXXX XXXX on XX/XX/XXXX under Docket No. XXXX wherein XX/XX/XXXX is declared the date of default ( See Exhibit " G '' ). ; e. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1800.00} for payment due as of XX/XX/XXXX ( See Exhibit " K '' ). ; f. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " L '' ). ; g. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " M '' ). ; h. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " N '' ). ; i. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " O '' ). ; j. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " P '' ). ; k. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " Q '' ). ; l. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1700.00} for payment due as of XX/XX/XXXX ( See Exhibit " R '' ). ; and m. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1700.00} for payment due as of XX/XX/XXXX ( See Exhibit " S '' ). ; 2. the alleged payment reconciliation histories ( See Exhibit " T '' ) enclosed within one of the XX/XX/XXXX communications from XXXX c/o PHH omit and conceal approximately $ XXXX in payments tendered to Litton Loan towards the above referenced account number with approximately $ XXXX being cashed by Litton Loan from XX/XX/XXXX through XX/XX/XXXX ( See Exhibits " I '' through " S '' ). ; 3. XXXX, PHH, OLS and Attorneys XXXX have failed to explain and / or justify the fees and expenses from XX/XX/XXXX through XX/XX/XXXX displayed within the Breakdown of outstanding fees and expenses ( See Exhibit " U '' ) enclosed within the XX/XX/XXXX communication from XXXX c/o PHH including, but not limited to, : Property Inspections beginning XX/XX/XXXX ; Title Search Expenses beginning XX/XX/XXXX ; Foreclosure Cost beginning XX/XX/XXXX ; Property Preservation/Maintenance Fee ; and Property Appraisal/BPO. 4. XXXX, PHH, XXXX and Attorneys XXXX failed to enclose evidence of an assignment and sale of the paper note and mortgage associated with the above referenced account number from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) as the original lender for the above referenced account number, prior to XXXX XXXX XXXX bankruptcy petition filed on XX/XX/XXXX in the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX Delaware in Case No. XXXX ( KJC ) ( See Exhibit " V '' ) and before termination of XXXX XXXX XXXX executory contracts with XXXX XXXX n/k/a XXXX XXXX XXXX XXXX ( XXXX ) and the latters wholly-owned subsidiary XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( See Exhibit " W '' ). ; 5. the instrument titled XXXX XXXX XXXX XXXX enclosed within both XX/XX/XXXX communications from XXXX c/o PHH ( See Exhibit " X '' ), is falsely uttered forged falsely notarized upon misrepresenting that XXXX XXXX XXXX XXXX XXXX. Successor By Merger to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, as Trustee under the Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX assigned the mortgage associated with the above referenced account number to XXXX XXXX XXXX XXXX, Successor in Interest to XXXX XXXX XXXX XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX Trustee for XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX at C/O PHH Mortgage Corporation at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX on XX/XX/XXXX, when : ( 1 ) there is no evidence that New Century Mortgage assigned and transferred the subject note and mortgage before entering bankruptcy on XX/XX/XXXX ( See Exhibit " V '' ) or upon approval from the XXXX XXXX XXXX for the District of Delaware in Case No. XXXX ( KJC ) ; ( 2 ) there is no evidence the alleged assignor operated at the alleged address designated within the instrument which raises possible violations of 18 U.S.C. section 1342 for fictitious addresses ; ( 3 ) there is no evidence that PHH Mortgage Corporation was authorized to act on behalf of the alleged assignee designated within the address ; ( 4 ) the address provided for the alleged assignee is the address for Ocwen Loan Servicing, LLC ( OLS ) and there is no evidence that the alleged assignee operates out of the same address as OLS which raises possible violations of 18 U.S.C. section 1342 for fictitious addresses ; and ( 5 ) the name and alleged signature of XXXX XXXX XXXX appearing as an alleged Assistant Vice President for XXXX XXXX XXXX, XXXX. Successor By Merger to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, as Trustee under the Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX is a forgery, along with the alleged notarization by Florida notary public XXXX XXXX annexed thereto, because both persons were at times employed by OLS. ; 6. enclosed within the two communications from XXXX c/o PHH XXXX XX/XX/XXXX were two different versions of a five page note instrument ( See Exhibits " Y '' and " Z '' ) wherein neither instrument displays an indorsement by New Century Mortgage as the original lender, neither instrument has an allonge permanently affixed to page five of the note instrument, and one of the two instruments enclosed a separate - untitled page behind page five of the note that displays the forged name and stamp of XXXX XXXX whose name and varying signatures were identified within the Florida Attorney Generals Crime Division Report titled The Office of the Attorney General Economics Crime Division : Unfair, Deceptive and Unconscionable Acts in Foreclosure Cases that was filed with the XXXX XXXX of Florida on XX/XX/XXXX as Appendix G in Case No. : XXXX ( See Exhibit " AA '' ). ; 7. XXXX, PHH and Attorneys XXXX failed to prove compliance with 15 U.S.C. section 1641 ( g ) and failed to forward the notice of new creditor forwarded to me as required by 15 U.S.C. section 1641 ( g ). ; and 8. XXXX, PHH and Attorneys XXXX failed to comply with 15 U.S.C. section 7021 ( f ) by failing to provide me the authoritative copy of the transferable record assigned XXXX XXXX. Furthermore, because of the acceleration of the mortgage associated with the above referenced account number pursuant to N.J.S.A. XXXX and demand for payment of the total amount due and owing towards the above referenced account number for the default on XX/XX/XXXX as declared within the foreclosure complaint filed by Litton Loan in the XXXX XXXX of New Jersey on XX/XX/XXXX in Docket No. XXXX ( See Exhibit " G '' ), the latter of which was dismissed by OLS on XX/XX/XXXX ( See Exhibit " G-1 '' ), the note and mortgage connected to the above referenced account number became time-barred as of XX/XX/XXXX pursuant to N.J.S.A. XXXX ( a ). I am demanding the CFPB forward this complaint to law enforcement along with the monitors for the consent judgments entered in the XXXX XXXX XXXX for the District of Columbia on XX/XX/XXXX ( See Civil Action No. : XXXX ) and XX/XX/XXXX ( See Civil Action No. : XXXX ). Any response the XXXX, PHH and Ocwen are subject to 18 U.S.C. 1001.
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: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX ( " XXXX '' ), PHH Mortgage Corporation d/b/a PHH Mortgage Services ( " PHH '' ), Ocwen Loan Servicing, LLC ( " OLS '' ) and XXXX XXXX XXXX ( " Attorneys XXXX '' ) are committing mail fraud in violation of 18 U.S.C. section 1341, the crime of fictitious addresses and persons in violation of 18 U.S.C. section 1342, conspiracy in violation of 18 U.S.C. section 371 and other predicate acts in violation of State and Federal criminal statutes as it pertains to their unlawful debt collection practices and illegal foreclosure in the Superior Court of New Jersey in further violation of the consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX ( See Civil Action No. : XXXX ) and XX/XX/XXXX ( See Civil Action No. : XXXX ). In response to my XX/XX/XXXX communication forwarded to XXXX, PHH and Attorneys XXXX regarding account number XXXX and Docket No. : XXXX ( N.J. Sup. Ct. ) and made pursuant to 15 U.S.C. section 1962 ( g ) ; 12 U.S.C. section 2605 ( e ) and 15 U.S.C. section 1601 et seq. ; and 15 U.S.C. section 7021 ( f ), Attorneys XXXX responded with communications dated XX/XX/XXXX ( See Exhibits " A '' and " B '' ), while XXXX responded with communications dated XX/XX/XXXX ( See Exhibit " C '' ) and XX/XX/XXXX ( See Exhibits " D '' and " E '' ) with exhibits enclosed thereto that along with the responses are false, deceptive and / or incomplete for the following reasons : 1. the communications regarding the above referenced account number and civil docket number sent from Attorneys XXXX as third-party debt collectors and foreclosure counsel that are tilted MORTGAGE REINSTATEMENT QUOTE '' ( See Exhibit " A '' ) and PAYOFF QUOTE VALID THROUGH ( See Exhibit " B '' ) that are both dated XX/XX/XXXX ; XXXX c/o PHH as debt collectors both dated XX/XX/XXXX ( See Exhibits " D '' and " E '' ) ; and the Monthly Mortgage Statement from XXXX c/o PHH dated XX/XX/XXXX for the payment declared XX/XX/XXXX XXXX See Exhibit " F '' ), are false and deceptive upon declaring a default as of XX/XX/XXXX for an alleged failure to pay the installment due, while concealing and omitting that : a. the above reference account number went into default with the payment missed for the installment due XX/XX/XXXX and the installments due each month thereafter as declared within the foreclosure complaint filed on XX/XX/XXXX in the Superior Court of New Jersey under Docket No. : XXXX by Litton Loan Servicing LP ( Litton Loan ) through XXXX XXXX XXXX, XXXX. ( Attorneys XXXX ) on the same day XXXX XXXX died ( See Exhibit " G '' ) ; b. no payments were made for the months due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX following Litton Loans election to accelerate and demand the total indebtedness declared owing towards the above referenced account number upon commencement of foreclosure on XX/XX/XXXX under Docket No. : XXXX ; c. on XX/XX/XXXX, I executed a Trial Modification Agreement prepared and offered by Litton Loan for the above referenced account requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " H '' ) and forwarded the trial modification agreement along with two certified checks each for {$1900.00} dated XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX trial modification payments that were received and cashed by Litton Loan ( See Exhibit " I '' ) ; d. by certified check dated XX/XX/XXXX, I made the last of three trial modification payments for {$1900.00} that was received and cashed by Litton Loan ( See Exhibit " J '' ), the latter of who failed to permanently modify the above referenced account number promised and, instead, maintained the foreclosure action filed the same day as XXXX XXXX on XX/XX/XXXX under Docket No. XXXX wherein XX/XX/XXXX is declared the date of default ( See Exhibit " G '' ). ; e. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1800.00} for payment due as of XX/XX/XXXX ( See Exhibit " K '' ). ; f. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " L '' ). ; g. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " M '' ). ; h. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " N '' ). ; i. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " O '' ). ; j. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " P '' ). ; k. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " Q '' ). ; l. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1700.00} for payment due as ofXX/XX/XXXX ( See Exhibit " R '' ). ; and m. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1700.00} for payment due as of XX/XX/XXXX ( See Exhibit " S '' ). ; 2. the alleged payment reconciliation histories ( See Exhibit " T '' ) enclosed within one of the XX/XX/XXXX communications from XXXX c/o PHH omit and conceal approximately $ 21k in payments tendered to Litton Loan towards the above referenced account number with approximately $ 16k being cashed by Litton Loan from XX/XX/XXXX through XX/XX/XXXX ( See Exhibits " I '' through " S '' ). ; 3. XXXX, PHH, OLS and Attorneys XXXX have failed to explain and / or justify the fees and expenses from XX/XX/XXXX through XX/XX/XXXX displayed within the Breakdown of outstanding fees and expenses ( See Exhibit " U '' ) enclosed within the XX/XX/XXXX communication from XXXX c/o PHH including, but not limited to, : Property Inspections beginning XX/XX/XXXX ; Title Search Expenses beginning XX/XX/XXXX ; Foreclosure Cost beginning XX/XX/XXXX ; Property Preservation/Maintenance Fee ; and Property Appraisal/BPO. 4. XXXX, PHH, OLS and Attorneys XXXX failed to enclose evidence of an assignment and sale of the paper note and mortgage associated with the above referenced account number from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) as the original lender for the above referenced account number, prior to XXXX XXXX XXXX bankruptcy petition filed on XX/XX/XXXX in the United States Bankruptcy Court for the District of Delaware in Case No. XXXX ( XXXX ) ( See Exhibit " V '' ) and before termination of XXXX XXXX XXXX executory contracts with XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) and the latters wholly-owned subsidiary Mortgage Electronic Registration Systems , Inc. ( MERS ) on XX/XX/XXXX ( See Exhibit " W '' ). ; 5. the instrument titled Corporate Assignment of Mortgage enclosed within both XX/XX/XXXX communications from XXXX c/o PHH ( See Exhibit " X '' ), is falsely uttered forged falsely notarized upon misrepresenting that XXXX XXXX XXXX , XXXX. Successor By Merger to XXXX XXXX, XXXX. FKA XXXX XXXX XXXX, as Trustee under the Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX assigned the mortgage associated with the above referenced account number to XXXX XXXX XXXX XXXX, Successor in Interest to XXXX XXXX XXXX XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX at C/O PHH Mortgage Corporation at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX on XX/XX/XXXX, when : ( 1 ) there is no evidence that XXXX XXXX XXXX assigned and transferred the subject note and mortgage before entering bankruptcy on XX/XX/XXXX ( See Exhibit " V '' ) or upon approval from the U.S. Bankruptcy Court for the District of Delaware in Case No. XXXX ( XXXX ) ; ( 2 ) there is no evidence the alleged assignor operated at the alleged address designated within the instrument which raises possible violations of 18 U.S.C. section 1342 for fictitious addresses ; ( 3 ) there is no evidence that PHH Mortgage Corporation was authorized to act on behalf of the alleged assignee designated within the address ; ( 4 ) the address provided for the alleged assignee is the address for Ocwen Loan Servicing, LLC ( OLS ) and there is no evidence that the alleged assignee operates out of the same address as OLS which raises possible violations of 18 U.S.C. section 1342 for fictitious addresses ; and ( 5 ) the name and alleged signature of XXXX XXXX XXXX appearing as an alleged Assistant Vice President for XXXX XXXX XXXX, XXXX. Successor By Merger to XXXX XXXX, XXXX. FKA XXXX XXXX XXXX, as Trustee under the Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX is a forgery, along with the alleged notarization by Florida notary public XXXX XXXX annexed thereto, because both persons were at times employed by OLS. ; 6. enclosed within the two communications from XXXX c/o PHH dated XX/XX/XXXX were two different versions of a five page note instrument ( See Exhibits " Y '' and " Z '' ) wherein neither instrument displays an indorsement by XXXX XXXX XXXX as the original lender, neither instrument has an allonge permanently affixed to page five of the note instrument, and one of the two instruments enclosed a separate - untitled page behind page five of the note that displays the forged name and stamp of XXXX XXXX whose name and varying signatures were identified within the Florida Attorney Generals Crime Division Report titled The Office of the Attorney General Economics Crime Division : Unfair, Deceptive and Unconscionable Acts in Foreclosure Cases that was filed with the Supreme Court of Florida on XX/XX/XXXX as Appendix G in Case No. : XXXX ( See Exhibit " AA '' ). ; 7. XXXX, PHH and Attorneys XXXX failed to prove compliance with 15 U.S.C. section 1641 ( g ) and failed to forward the notice of new creditor forwarded to me as required by 15 U.S.C. section 1641 ( g ). ; and 8. XXXX, PHH and Attorneys XXXX failed to comply with 15 U.S.C. section 7021 ( f ) by failing to provide me the authoritative copy of the transferable record assigned XXXX XXXX. Furthermore, because of the acceleration of the mortgage associated with the above referenced account number pursuant to N.J.S.A. 46:9-6 and demand for payment of the total amount due and owing towards the above referenced account number for the default on XX/XX/XXXX as declared within the foreclosure complaint filed by Litton Loan in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. XXXX ( See Exhibit " G '' ), the latter of which was dismissed by OLS on XX/XX/XXXX ( See Exhibit " G-1 '' ), the note and mortgage connected to the above referenced account number became time-barred as of XX/XX/XXXX pursuant to N.J.S.A. XXXX ( a ). I am demanding the CFPB forward this complaint to law enforcement along with the monitors for the consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX ( See Civil Action No. : XXXX ) and XX/XX/XXXX ( See Civil Action No. : XXXX ). Any response the XXXX, PHH and Ocwen are subject to 18 U.S.C. 1001.
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: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Two weeks ago I called my mortgage company asking if they can waived my late fee ( for the month of XX/XX/2020 ) as my husband was on furloughed from his job since XX/XX/2020 due to COVID-19 and now was laid-off from work ; I was only delayed for few days of my payment not that I wasn't paying the required mortgage ; today ( XX/XX/2020 ), I received a letter from the company that my request has been denied ; it has been mandated by law to give consideration for those that has been affected by this health pandemic but this company seems has no mercy or consideration with their clients and for this I am filing this complaint ;
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Reported back in XXXX / XX/XX/XXXX and this matter is still unresolved. I was approved for a Loan modification with payments starting in XXXX XXXX/ XXXX XXXX XX/XX/XXXX. The modification I was approved for was 3 months @ {$1600.00}, which XXXX XXXX PHH never honored. My first payment was cashed for the XXXX of XX/XX/XXXX with excess taked from suspense to make a mortgage payment of over $ 2K which was not what I was approved for. As I am reviewing the XXXX statement the check for XXXX 's payment was cashed and placed in suspense.???? Why, beats me PHH can't apply payments correctly to what I was approved for. My XXXX 's payment was shredded and never cashed. I am filing a complaint with the DFS in New York State and the XXXX XXXX XXXX of New Jersey and New York. THE XXXX PHH MORTGAGE SERVICES OR XXXX XXXX NEEDS TO BE BASHED FOR THE MISTAKES THEY MADE FOR THE SECOND TIME.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2020 My gut told me to call mortgage company b/c I had trouble logging in that night before. I called about XXXX XXXX. to get help which I had already registered the previous weeks before. I was very concerned b/c they continually displaced my payments. Making it appear that I'm paying late which I have been consistent for over 10 years. I also had agreement with mortgage company to have auto payments set-up thru them. So how could I miss a payment. I did not request any assistance due to pandemic. I was very adamant about paying my account on time. When I read over my statement since it's paperless billing I don't notice as much. But I have noticed that by them making it appear that I'm late and reporting it. It affect the bottom line tax wise. The numbers are not adding up. I have reported before about inaccurate info. This totally changes interest rates.
Company Response: Company believes complaint is the result of an isolated error
State: TX
Zip: 77088
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A