Date Received: 2023-08-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am trying to get a modification to save my home because I was going through XXXX and fell behind in my mortgage. I was recently denied and never received notice of the denial to file an appeal. I am doing everything possible to save my home, but I am not getting the help I need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My reverse mortgage was signed by someone, I was in the XX/XX/XXXX, suffering from XXXXXX/XX/XXXX and a XXXX XXXX,
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I spoke to PHH mortgage company around XX/XX/2023 after being about 6 days late on my loan with ( XXXX ) a number provided by the XXXX to help Veterans in talking to mortgage company 's in regarding mortgage forbearance plans that would be put at the end of my loan. We explained to them that I have been out of work for over 18 months and I was waiting for the XXXX XXXX over 12 months to do XXXXXXXX XXXX an back XXXX. We also informed them that I had pulled {$74000.00} out my plan B retirement early to cover my bills and had used up all my funds. we also told them I was awaiting for a XXXX XXXX claim review and my retirement paperwork to be reviewed and awarded. I was told that I would receive a letter in the mail before the end of my 3 months explaining what to do next. after we explained everything to the lady we was told I was approved. and that I would get something in the mail explaining what to do at the end of the forbearance plan if things had not changed. we was also told that we could get a additional 3 months extension if needed after the first 3 months. I attempted to make a payment to my account before the 90 days was up and I was not able to with a note to my account stating that I needed to contact the mortgage company and that I had to make a $ XXXX payment. I contacted XXXX XXXX ( XXXX ) On XX/XX/2023 we had another and we spoke to PHH lost mitigation after about XXXX attempts. We spoke to a lady that started out by saying, I needed to pay the late balance of {$12000.00} to make my loan current. we told her what we was told by a PHH in XX/XX/2023 that I was given a forbearance for 3 months to be added to the back of the loan. she informed XXXX that that is not what we was told and that my 4 months was do now in the amount of XXXX XXXXXXXX. XXXX ask her to explain how did they retroactive the XXXX forbearance payments that was agreed would go to the back of the loan is no due making my loan 4 months behind instead of being able to make the XXXX XXXX month payment as agreed. she also told us that I was in a XXXX XXXX loan after XXXX ask what kind of loan I have. XXXX told her that she had never heard of any government backed loan that didn't allow for forbearance to be granted let alone be retroactive due to the fact that I have over {$200000.00} in equity in my house. XXXX asked what happen to the 3 month Forbearance and the lady after being questioned again the second time stated it was denied on XX/XX/2023 5 days after we spoke to them I have not received the denial letter to date. XXXX told me to file a complaint and that she was going to talk to upper Management and get back to me. because she felt I was being mistreated. attached is a letter dated XX/XX/2023 with no mention of a denial that reads as if it was the first correspondence from my to PHH. she also stated that I most likely would have to refinance or possible short sale but to file out the application that she was sending. I have a XXXX XXXX loan at the present to do any of the following would raise my loan to XXXX XXXX to where I won't be able to afford. I do believe both conversation with XXXX was on a recorded line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am attaching a debit statement from my bank demonstrating the payment history on my mortgage since XX/XX/XXXX. My mortgage was serviced by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. All payments were in the amount of {$1400.00}. In XX/XX/XXXX the service transferred from XXXX to XXXX, who continued to charge me {$1400.00} for the next seven months. However, in XX/XX/XXXX the mortgage payment XXXX {$250.00} a month to {$1600.00}. Since I was on autopay, I had not taken immediate notice of the increase. XXXX collected this increased amount for the next XXXX months before transferring the service to PHH in XX/XX/XXXX. The transfer to PHH is when I noticed the increase. Upon investigation, I discovered XXXX increased my home insurance by $ XXXX and my property taxes had increased by {$170.00} annually. A {$380.00} annual increase did not seem sufficient to justify a $ 254 monthly increase in my mortgage. I called PHH and they informed me this was due to an escrow shortage. I spoke to four different reps, but I was unable to receive an explanation as to HOW my escrow incurred such a massive shortfall, to the point where it went negative. I also called XXXX, but after XXXX minutes on the phone the rep hung up on me. Finally, I called XXXX, but they are unable to find me in their system. PHH has been collecting monthly payments ranging from {$1600.00} to {$1700.00} for the last XXXX months. They explain the increase is to build my escrow back up, but can not explain how it went negative in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, from 1099-A and 1099-C were submitted and approved by the Department of the Treasury Internal Revenue Service to discharge the mortgage obligation with Summit Funding. 4 months later I received a presentment from PHH Mortgage Services stating my mortgage was transferred to them and that they are the servicer of the mortgage now effective XX/XX/XXXX. I sent PHH Mortgage Services a valid and lawful Negotiable Instrument. The instrument is presented under the authority of House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ), Spencer v. Sterling Bank , 63 Cal Ap. 4th 1055 ( XXXX ), Guaranty Trust Co. Of NY v. Henwood et al, 307 U.S. 247 ( FN3 ), the Within Negotiable Instruments, Vol. III ( including 2006 Supplement ) on the Undersigned 's UCC Contract Trust Account. " The entire taxing and monetary systems are hereby placed under the U.C.C. '' ( Uniform Commercial Code ) - The Federal Tax Lien Act of XXXX They refused to accept the Negotiable Instrument and sent it back committing a crime. According to Georgia Code Title 11 Commercial Code Article 3 - Negotiable Instruments Part 6 - Discharge and Payment 11-3-603. Tender of Payment If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. On XX/XX/XXXX, PHH mortgage received a Non-Negotiable Conditional Acceptance via U.S.P.S. Certified Mail XXXX XXXX XXXX asking company to valid the debt. I received communication back from PHH mortgage stating and I quote The information you requested has not been provided to you because production would create an undue burden on PHH see attachment. PHH Mortgage received Non-Negotiable Notice of Rescission via U.S.P.S Certified Mail Tracking number on XX/XX/XXXX via U.S.P.S. Certified Mail Tracking Number XXXX. Next PHH Mortgage Services received Non-Negotiable Acceptance via U.S.P.S. Certified Mail Tracking Number XXXX on XX/XX/XXXX. PHH Mortgage Services received Non-Negotiable Notice of Fault and Opportunity to Cure on XX/XX/XXXX, via U.S.P.S. Certified Mail Tracking Number XXXX. Lastly PHH Mortgage Services received Non Negotiable Notice of Default and Estoppel via U.S.P.S Certified Mail Tracking Number XXXX. In additional there has been countless " Acceptance '' of statements being sent directly to me via U.S.P.S. For the past 30 days I have been receiving letters from XXXX XXXX XXXXXXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, GA XXXX threatening to Foreclose on my property. My private information has been given out to multiple entities such as Law firms. In addition, PHH Mortgage Services and XXXX XXXX XXXX XXXX XXXX XXXX has called and sent written communications to addresses not associated with me. Some of the letters were addressed to XXXX XXXX who is not on the mortgage. Several friends and family members have been contacted in attempt to collect the debt bringing my private information into the public.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX is a rip-off company that never gives modifications nor helps its customers get back on track. Stay Away from this company. They lie about not receiving modification paperwork and making the customer seem wrong. I have been going back and forth with this company for a long time and can not get any justice. Predatory lending at its best
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XX/XX/2023, I contacted XXXX mortgage to inform them my DC property taxes would be due by XX/XX/XXXX. I was assured the taxes would be paid before due from my escrow account. On XX/XX/XXXX, I sent them a copy of the tax bill and a reminder. On XX/XX/XXXX, XXXX replied that they had reviewed it and would pay the bill. They did not pay on time. On XX/XX/XXXX, I contacted them by email and phone and was assured it would be paid and the late fees would be covered by PHH. What proceeded next was weeks of back and forth with the company as they missed the next deadline and incurred a second month of late fees. I had multiple emails and phone calls with XXXX from the company assuring me they would pay the bill and would be responsible for the late fees. I insisted the fees must not come out of my escrow account since it was PHHs failure to pay the tax bill that incurred the fees. The fees were finally paid on XX/XX/XXXX. On XX/XX/XXXX, PHH deducted the exact amount in late fees from my escrow account, thus making me pay the late fees they incurred. Ive contacted them by email and phone multiple times since XX/XX/XXXX about this issue and have received nothing but automated email responses and voicemail. This can not be legal that this company that I did not choose to get a mortgage with ( was sold to them from XXXX XXXX ) does not pay bills on time and took my money to cover their mistake. They have now also told me they cant pay my homeowners insurance form my escrow account but continue to deduct money each month for the escrow insurance. I now have another tax bill due and am not confident they will pay this on time. The company is unresponsive and dishonest in their dealings, and based on the bit of internet research I have done, this is their common practice. I need to know what I can do to make them redeposit the {$240.00} in late fees they took without authorization from my account. Thank you. PHH Mortgage Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX XXXX XXXX
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Predatory lending. I closed on the first mortgage loan on this home on XX/XX/2003. I have lived there continuously since then. I have defaulted several times in 20 years but for the most part I have been making mortgage payments for 20 years. I received a prior modification the terms of which were predatory unbeknown to me until much later when I found out that I had a balloon and that the term was changed to 45 years and my principal was not going down. Also, recently I received a modification offer after being on XXXX forbearance and once again the terms are predatory and abusive. The lenders hide and deceive by offering a " low interest rate '' but they are increasing their profits by recreating conditions where the loan principal never gets paid off and their profit just keeps increasing. I have been working like a slave, compromising the well being of my family to line the pockets of these slave drivers!!! They are saying that in XXXX I will still owe {$260000.00} of the {$360000.00} initial loan amount after paying for 32 years!!! They have made me work as a slave to benefit from my labor and I can not even own my home after working for 32 years??? XXXX XXXX says that slavery in all its forms has been abolished. Do not let slavery exist in a deceitful underhanded way. I have been wronged and abused. My entire life has been destroyed and they are now taking the stance that since I refuse to continue slaving for them I will be driven out of my home against my will! The laws of this country should be protecting me against this abuse of power. This is straight forward and plainly wrong and needs to end!!! For me and for other people equally affected!!!! Do not turn a blind eye!!! ENOUGH IS ENOUGH. LIFT THE KNEE! I CAN NOT BREATHE!!!
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I set up autopay for my mortgage payment with PHH Morgtgage XX/XX/XXXX. It was never processed. In XXXX I received a notice on my credit report that my payment was delinquent over 30 days and my credit score dropped 1 plus points. PHH mortgage claimed to have sent a letter ( which I don't recall ever receiving and I work away from home as a truck driver ) ... I don't recall ever receiving an email, text or phone call indication that I missed my XXXX payment. In the past few days ( this week ) I got several phone calls from PHH mortgage but they never left a voicemail. I often receive sales calls from PHH indicating that I can use the equity in my home ; therefore it never occurred to me that I had a missed payment. Now my credit is destroyed over a simple miscommunication and they claim they can not reverse the negative reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The credit report indicates that there are 3 delinquents as of XX/XX/XXXX from Ocwen Loan Servicing. Accounts ( XXXX ) and ( XXXX ) My records indicate I no longer owned the property as of XXXX.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A