Date Received: 2020-05-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind in my mortgage payment s and I went into default I was told I didn't qualify for modification. So I was sent a letter from OCWEN/PHH Serviceing company telling me that they had referred me to an attorney to start the foreclosure process. I recieved that letter and I responded with a sworn affidavit asking them specific questions because I started getting letters from different named companies asking me to send my payment to different locations. So I started doing some research of my own about who was OCWEN and now PHH and what I found out was HORRIBLE To say the least. OCWEN has been KICKED OUT of at least 32 states where they can no longer conduct business because of their illegal practices. I found out that my original lender BUNDLED up my mortgage with others and securitized my loan separating the Note from the mortgage which both are illegal do to the truth and lending act they also never gave me full disclosure on what their real intentions were and they turned my promissory note into a security instrument with my knowledge. So I sent all of them a sworn affidavit asking them if they breached my contract or did they follow the the law and the rules and regulations of GAP General Accounting Principles and Practices. And none of them have answered nor did they sign the sworn affidavit saying they did in fact follow the law. So they scheduled a foreclosure sale for XX/XX/2019 and sent a attempt to COLLECT a debt letter and I responded with the same affidavit that I had previously sent to OCWEN/PHH and XXXX XXXX and now I am sending it to their attorney and in a matter of a few weeks I got a letter back from their attorney saying that the loan and property foreclosure sale has been canceled for XX/XX/2019. And now 7 months later they are trying it again. I am furious because they have no legal standing what's so ever and cant produce any original documents including my original note. They claim that they only canceled the debt for XX/XX/XXXX was because I was in bankruptcy and that is a complete lie. They canceled the debt on XX/XX/2019 and I filed for bankruptcy 4 days later so that is a serious lie. I have all of my documents to prove they have no standing and they are committing fraud because Georgia is a Non Judicial State as it relates to foreclosure and these Serviceing companies are getting away with pure unadulterated THEFT. And it appears these attorney s and judge z are complicit in it.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage has continued to apply forced insurance to my account even though I have had continuous coverage for the 15 or more years that I have owned the property. I and my insurance company have provided them with proof of insurance and they keep ignoring it. They have recently started servicing my accounts and I have had problems with them on both mortgages that they service.
Company Response:
State: CO
Zip: 80128
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX out of XXXX was sued in XXXX in XXXX XXXX XXXX and the EX-CEO XXXX XXXX was asked to produce a Contract and Proof of any money lent to XXXX XXXX XXXX XXXX the law firm was suppose to respond.There was XXXX Response ' which is 'TOTAL FRAUD! 'Ocwen XXXX the XXXX Servicer of the XXXX have 'HARASSED ' XXXX since XXXX and bought XXXX XXXX in XXXX, XXXX has XXXX CONTRACT ' nor has any 'MONEY BEEN LENT ' to XXXX by them The XXXX Contract lapsed in XXXX! XXXX the XXXX of Limitations lapsed in XXXX! The XXXX has been 'BREACHED ' XXXX times! XXXX was SWINDLED by the Mortgage Broker XXXX XXXX in XXXX who FRAUDULENTLY wrote XXXX makes {$150000.00} a year when XXXX averages {$31000.00} a year! That '' XXXX a {$120000.00} difference! MAJOR PREDATORY LENDING! Then XXXX sent {$600000.00} of his XXXX stripped money to a 'PONZI SCHEME! 'Why hasn't the SEC XXXX XXXX XXXX Why hasn't the SEC investigated the Law Firm XXXX XXXX, XXXX, XXXX XXXX XXXX? The SEC sent me to them and they CHEATED me out of a Settlement with XXXX XXXX that was worth Millions! We the People PAY YOU TO DO YOUR JOBS AND NOTHING IS BEING DONE!
Company Response:
State: HI
Zip: 96740
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX RE : Dispute Result negative reporting account # XXXX Hello XXXX, Im writing this letter to dispute your dispute findings for PHH Mortgage Services account # XXXX that I recently disputed through XXXX online. This account was requested to be deleted by the original creditor in XXXX per a legal confidential settlement agreement ( see attached documents ) Also, the account appears duplicate times on my credit report. Ive disputed this account on several occasions without XXXX or PHH mortgage services updating and reporting the account accurately which is required under FCRA Law. Ive since filed a complaint with the Consumer Financial Protection Bureau and will file legal action against XXXX for refusing to report this account accurately. Please review the documentation included with this letter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Letter sent to XXXX refuse to delete account per a legal settlement agreement in California
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX RE : Dispute Result negative reporting account # XXXX Hello XXXX, Im writing this letter to dispute your dispute findings for PHH Mortgage Services account # XXXX that I recently disputed through XXXX online. This account was requested to be deleted by the original creditor in XXXX per a legal confidential settlement agreement ( see attached documents ) Also, the account appears duplicate times on my credit report. Ive disputed this account on several occasions without XXXX or PHH mortgage services updating and reporting the account accurately which is required under FCRA Law. Ive since filed a complaint with the Consumer Financial Protection Bureau and will file legal action against XXXX for refusing to report this account accurately. Please review the documentation included with this letter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Letter sent to XXXX refuse to delete account per a legal settlement agreement in California
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I initially started the process of buying my home back in XXXX. My mortgage started with GMAC and then was sold to Ocwen and then PHH mortgage. My purchase home price in XXXX was XXXX. When my mortgage was with OCWEN I was quoted a a mortgage payoff of XXXX. Now PHH mortgage is telling me my mortgage is back at the original price of XXXX after almost thirty years of making payments. They quoted a refinance I did back in XXXX as the beginning year of buying my home. Would you please look into this matter for me. My loan is in preditory status. I would like to pursue class action lawsuit against all three mortgage companys.
Company Response:
State: KS
Zip: 67114
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Loan # XXXX To Consumer financial Protection Company, I have already contact you guys about this issue with PHH mortgage company about PHH not taken my payments and were they are the ones that cause me to get behind on my mortgage. After trying since XXXX of XXXX to straight this out I final get a response from my escalation manger XXXX XXXX on XX/XX/XXXX that it was their fought and the customers service representative should have accept my payments until the problem was corrected. As of today I'm behind 14 months and PHH has sent me foreclosure papers in XXXX to my attorney office in Ohio, which I live in Iowa. I retain them just to look into this for me and they just told me to get away from PHH and try to refinance my home with another lender, because PHH is bad news and will be changing there name again. They told me several times I was not qualified for a modification but yet they sent me the paper work final for the modifacation due to me having a hard time to get them off there website and my attorney had the same problem. XXXX XXXX told to send a letter of Error to PHH I did on XX/XX/XXXX and they still have not received it as they told me. So what should I do, send another one? I went back and look at what happen again and look through my payment history and what I paid to Ocwen and PHH mortgage companies. XXXX payment history for Ocwen XXXX- {$800.00} XXXX- {$840.00} XXXX- {$840.00} XXXX- {$800.00} XXXX- {$840.00} XXXX- {$800.00} XXXX- {$800.00} XXXX- {$800.00} XXXX ) XXXX {$800.00} owed, in the hospital XXXX ) XXXX dont remember why {$800.00} owed, Which I don't understand why I was never notified by this and I set up direct deposit this month. I was going through medical issues and still is but I did notified Ocwen I would pay them back and they agree to it and said just add it in with my payments how much extra I want to pay. XXXX- {$1500.00} XXXX-XXXX If you add all of this up you should get {$9000.00}. If you add my normal payment a month by XXXX XXXXx XXXX= {$9600.00} so this means I was short {$590.00} and never knew it or receive any call or notice from Ocwen about it, would of been take care of. Now lets look at the Tax history for XXXX taxes which for that tax year is {$3700.00} XXXX {$1300.00} I paid for the installment of XXXX taxes XX/XX/XXXX Ocwen paid {$600.00} XX/XX/XXXX ) XXXX taxes installment {$1800.00} XXXX paid them, and from my understanding they are part of Ocwen. This mean I owed them back {$2400.00} for taxes, which I thought Ocwen took it out of my payments but did not. XX/XX/XXXX ) Ocwen called me by phone and said they made a mistake and realized they were short and told me what to pay {$1000.00}, and I recive another call from Ocwen a few days later saying I owed {$350.00} and once again it was their mistake, not collecting the right amount. I'm now resheaching ever payment that was paid. The customer service rep form Ocwen said everything was good. Which I never knew the numbers were off. We our also looking at the reflection of my balance how it went up and never move even when payments were made. So this would of took care of the {$580.00} and this will leave {$420.00}, still owing {$380.00} for the month of XX/XX/XXXX and maybe not if I find the last payment of {$350.00} this would leave a XXXX balance XXXX ) I paid {$2800.00} to PHH and the XXXX taxes {$2400.00} XXXX owing {$44.00} left XXXX owing {$800.00} adding these two together {$840.00} I could have paid this in XXXX of XXXX but they told me I still owed {$2800.00} for the month of XXXX of XXXX, which I did not! After that it all went down hill. PHH would not expect any of my payments and said I owed for all of XXXX taxes year and XXXX taxes year which is not true. They now have me owning {$3900.00} one month or higher amount when I call back, it depends on who I talk too. What a night mare! Taxes I paid for XXXX {$3700.00} XXXX Tax year for the first installment in XXXX, I have already paid {$2000.00} and will pay the second installment in XXXX. Maybe CFPB can see what happen, because I did not and PHH gave me the run around. My monthly payments has been high as {$4900.00} a month which can be confuse and lower it depends who I'm taking to at PHH. So now I understand why the escalation manger XXXX XXXX said they were wrong for not expecting my payment because I wouldnt have been behind if PHH took my payments until this was straighten out. I dont know why Ocwen or PHH never said anything but this confuse within there own company but instead it was all on me and brought nothing but grief, when I try to straight it out. Can CFPB help me with this. By the way a custom service representative told me XXXX XXXX is the one that started the foreclosure on my home and said I did not return his phone call and this is why he sent it to foreclosure. I was in connect with PHH and venture Mr.XXXX phone call, as well as my attorney at the time. Which XXXX XXXX said he did not know I had attorney when I talk with him, so he must not received the message when I called back as well. I would also like to started back receiving my monthly statements every month as well, which I haven't. XXXX XXXX did give me the address to send in a Notice Error to their Florida office and no respond. Thank you, XXXX XXXX
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: They offered Forbearance in XXXX with Covid- 19 hardship that I would have to pay lump sum come XXXX. I received a letter XXXX stating. Temporary Hardship Forbearance Plan ( " Forbearance Plan '' ) and now I was approved for Payment Deferral. Only approved for 2 months XXXX and XXXX. Come XXXX I still have to pay a lump sum of {$1200.00}???
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PHH Mortgage # XXXX Mortgage swapped several times between OCWEN and PHH ( who is owned by OCWEN ) Purchased property XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX of Market Bubble Applied for HAMP in XXXX and finally was processed XX/XX/XXXX. 8 % loan reduced to 4 % but term turned from 30 year total ( 21 years remaining ) to a new total of 42 years, with a $ XXXX balloon at end of original 30 year term. Timely - I think not. Letter stating a {$5000.00} deduction from principal due at 6 year anniversary of HAMP - in XXXX of XXXX. Letter also states you CAN NOT TOUCH the loan, as is if you refinance this - you lose the {$5000.00}. That translates into a LOCK against refinancing at current rates of 2.6 %. That is corporate bully/robbery
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage sent a statement that stated that the payment due on XX/XX/2020 was {$14000.00}. I mailed a check to PHH Mortgage in the amount of {$14000.00} on XX/XX/2020. On XX/XX/2020, I received a letter from PHH Mortgage stating : " Enclosed please find a copy of your check with check number XXXX in the amount of {$14000.00}. This payment is being returned for the following reason : the amount provided is insufficient to cure the default. '' PHH Mortgage is incorrect. I did not send check number XXXX in the amount of {$14000.00}. Attached to their letter they provided a copy of my check number XXXX which is made out in the amount of {$14000.00}. I have no outstanding principal owed on this mortgage. They are proceeding to foreclose while making almost impossible for me to resolve this issue with them. I sent the amount of money they asked for and send it back for erroneous reasons.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A