Date Received: 2020-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were behind on payments and entered a Chapter XXXX bankruptcy in XX/XX/2015. Our unpaid principal mortgage balance at the time was {$100000.00}. The total paid to Ocwen through the bankruptcy trustee was {$29000.00}. and when we exited the bankruptcy they said our principal balance is {$99000.00}. They can't or won't provide any information how the money was applied to the account or an explanation as to where the other {$21000.00} is. We recently applied for a modification and now they say they're adding arrears of {$16000.00} back in to the principal balance so our payments under the modification will be more than the regular payments.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX & XX/XX/XXXX payments totaling {$110.00} paid for City of XXXX Property taxes of property XXXX XXXX XXXX XXXX XXXX , XXXX , Georgia XXXX {$530.00} cashiers check # XXXX was paid to XXXX County Tax Commission for Property XXXX XXXX XXXX XXXX, XXXX , Georgia XXXX on XX/XX/XXXX. PHH Mortgage ( XXXX ) was contacted via telephone, fax for Mortgage Loan account XXXX for XXXX XXXX XXXX property address XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. enclosed receipts attachments Mailing address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. i request a refund for interest due to the fact both county and city taxes were paid by XXXX XXXX Escrow account was for the amount for taxes the original loan payment was {$300.00}. phhmortgage.com Headquarters : XXXX XXXX XXXX, NJ Founded : 1977 Parent organization : PHH Corporation XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Company Response:
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, my late husband and I executed a sub-prime / adjustable interest rate refinance mortgage loan transaction wherein XXXX XXXX XXXX XXXX ( " New Century '' ) designated itself the lender, my late husband was the sole obligor who executed a promissory note, and we both executed a mortgage instrument wherein Mortgage Electronic Registration Systems , XXXXnc. ( " MERS '' ) as the alleged nominee for New Century was declared the " mortgagee ''. In XX/XX/XXXX, XXXX XXXX became a Chapter XXXX Bankruptcy Debtor in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX, at which time, the local land records were void of any instruments asserting a transfer and assignment of my mortgage loan for MERS as the alleged nominee for XXXX XXXX remainedthe purported mortgagee of record. A true copy of XXXX XXXX 's bankruptcy petition is annexed hereto as Exhibit A. On XX/XX/XXXX, the Chapter XXXX Trustee for New Century 's bankruptcy filed a rejection of executory contracts to cancel any agreements betweenthe debtor, MERSCORP Inc. ( " MERSCORP '' ) and the latter 's subsidiary MERS. A true copy of New Century 's rejection of executory contracts with MERSCORP and MERS is annexed hereto as Exhibit B. In XX/XX/XXXX, Litton Loan Servicing, LP ( " Litton Loan '' ) as our mortgage servicer instructed us to become delinquentin order to qualify for a loan modification being our payments had increased due to the adjustable interest rate. In good faith, my late husband and I followed Litton Loan 's instructions by missing the payment due XX/XX/XXXX and thereafter. Instead of modifying our loan upon us following instructions to become delinquent, Litton Loan initiated foreclosure proceedings by complaint filed XX/XX/XXXX in the Superior Court of New Jersey under Docket No. : XXXX, on the same day my husband departed this life, by asserting that : ( 1 ) because of the default on XX/XX/XXXX, Litton elected to nullify the original maturity date of XX/XX/XXXX by accelerating the total principal sum with interest declared due pursuant to N.J.S.A. 46:9-6 as of XX/XX/XXXX and ( 2 ) MERS as the alleged nominee for XXXX XXXX assigned our mortgage loan on XX/XX/XXXX, after New Century entered bankruptcy in XX/XX/XXXX and after New Century cancelled its executory contracts with MERSCORP and MERS in XX/XX/XXXX. A true copy of the foreclosure complaint filed in the Superior Court of New Jersey under Docket No. XXXX by Litton Loan on XX/XX/XXXX, the same day my husband died, is annexed hereto as Exhibit C. Towards the end of XX/XX/XXXX, I was able to negotiate a trial modification with Litton Loan wherein the latter required that I make three equal payments of approximately {$1900.00} each, starting XX/XX/XXXX through XX/XX/XXXX, in order to receive a permanent modification. As displayed within Exhibit D, I fulfilled my obligation by making the payments demanded by Litton Loan towards the trial period modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and Litton Loan breached its promise to provide me with a permanent modification. In total, Exhibits D through M, displayed where I tendered approximately {$21000.00} in payments to Litton Loan for the months of XX/XX/XXXX through XX/XX/XXXX, with at least approximately {$16000.00} in payments being cashed by Litton Loan and the latter refused to provide me with a permanent modification. In XX/XX/XXXX, Ocwen Loan Servicing, LLC ( " Ocwen '' ) became the servicer for my mortgage loan and maintained the aforementioned foreclosure action under Docket No. XXXX without de-accelerating my mortgage loan because of the default as of XX/XX/XXXX as declared within the complaint filed on XX/XX/XXXX, the same day my husband died ( See Exhibit C ). In XX/XX/XXXX, Ocwen caused the first foreclosure action under Docket No. XXXX to be voluntarily dismissed as displayed within Exhibit N annexed hereto. On XX/XX/XXXX, Ocwen entered into a consent judgment with the CFPB and 49 State Attorneys General to prohibit Ocwen 's further engagement in unfair, deceptive and unlawful servicing and foreclosure practices cited in the civil complaint filed asConsumerFinancial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( CaseNo. 13-cv-2025-RMC ) in the U.S. District Court for the District of Columbia. On XX/XX/XXXX, Ocwen violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a second falsely uttered - falsely signed - forged - falsely notarized instrument titled " Assignment of Mortgage New Jersey '' annexed hereto as Exhibit O, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by Ocwen. On XX/XX/XXXX, Ocwen further violated the aforementioned consent judgment upon commencing a second foreclosure action in the Superior Court of New Jersey under Docket No. XXXX, a copy of which is annexed hereto as Exhibit P, wherein : ( XXXX ) my mortgage loan was already time-barred from foreclosure upon the acceleration pursuant to N.J.S.A. 46:9-6 upon commencing the first foreclosure action on XX/XX/XXXX under Docket No. XXXX ( See Exhibit C ) that was dismissed in XX/XX/XXXX ( See Exhibit N ) ; ( 2 ) Ocwen recited two falsely uttered - falsely signed - forged - falsely notarized instruments misrepresented to be assignments of my mortgage ; and ( 3 ) Ocwen falsely asserted a default occurred as of XX/XX/XXXX, contradicting the first foreclosure action setting forth a default as of XX/XX/XXXX, falsely implying payments were made for the months of XX/XX/XXXX through XX/XX/XXXX, and concealing approximately {$21000.00} in payments that I tendered and forwarded to Ocwen 's predecessor / affiliate company Litton Loan from XX/XX/XXXX through XX/XX/XXXX ( See Exhibits D through M ), wherein at least approximately {$16000.00} was cashed. On XX/XX/XXXX, Ocwen violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a third falsely uttered - falsely signed - forged - falsely notarized instrument titled " Corporate Assignment of Mortgage '' annexed hereto as Exhibit Q, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by Ocwen. On XX/XX/XXXX, PHH Mortgage Corporation ( " PHH '' ) entered into a consent judgment with 49 State Attorneys General to prohibit PHH 's further engagement in unfair, deceptive and unlawful servicing and foreclosure practices cited in the civil complaint filed asState of Alabama, et al. v.PHH Mortgage Corporation ( Case No. 1:18-cv-00009-TFH ) in the U.S. District Court for the District of Columbia . On XX/XX/XXXX, PHH violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a second falsely uttered - falsely signed - forged - falsely notarized instrument titled " Assignment of Mortgage New Jersey '' annexed hereto as Exhibit R, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by PHH and or its affiliate company Ocwen. To present date, XXXX, XXXX ( " XXXX '' ), PHH and XXXX XXXX ( " XXXX '' ) are illegally maintaining foreclosure against my home by seeking enforcement of an already time-barred mortgage loan, while concealing approximately {$21000.00} in payments that I tendered as of XX/XX/XXXX through XX/XX/XXXX ( See Exhibits D through M ), and using the aforementioned false and forged evidence along with a counterfeit note instrument annexed hereto as Exhibit S, wherein a separate page displays an undated stamp and forged signature of " XXXX XXXX '' whose varying signatures and unoriginal stamps were mentioned inthe Florida Office of theAttorney General Economic Crimes Division titled Unfair, Deceptive AndUnconscionable Acts In Foreclosure Cases ( Id. at Page 61-62 of 98 ). Furthermore, despite receiving at least three FDCPA validation letters and Qualified Written Request dating back to XX/XX/XXXX through XX/XX/XXXX, NewRez, PHH, Ocwen and RAS have either : ( 1 ) failed to response as required by applicable laws ; and / or ( 2 ) provided incomplete and or false responses in violation of applicable laws. Additionally, by order entered by the U.S. Bankruptcy Court for the District of Delaware on XX/XX/XXXX in Case No. XXXX that is annexed hereto as Exhibit T, the Trustee for XXXX XXXX 's bankruptcy was directed to forward me certain documents that I requested prior to their destruction. In return, I received several documents including, but not limited to, a " Telephone Verification of Employment '' and " Underwriter 's Income Analysis for Full Docs '' for my husband that was falsified by New Century and / or its successors upon falsely declaring my husband 's income earned was {$9600.00} a month and {$110000.00} a year for XXXX which was extremely exaggerated and false, and XXXX XXXX and / or its successors further falsified the loan application by including my earnings for XXXX and XXXX even though I was a non-obligor. A copy of the falsified income documents received from XXXX XXXX 's bankruptcy trustee in the year XXXX is annexed hereto as Exhibit U. Hence, the incomplete responses to by FDCPA and QWR letters that I received from XXXX, PHH and XXXX conveniently omitted the aforementioned falsified income verification information that was forwarded to me in the year XXXX from the Trustee in XXXX XXXX 's bankruptcy matter ( See Exhibit U ), which New Century and / or its successors illegally created to approve my late husband and I for a loan that we could not afford and for which XXXX and PHH should have in their possession. In closing, the aforementioned issues and events is causing me a great deal of anguish, mental and emotional distress, especially the fact that XXXX, PHH and XXXX continue to falsely assert that no payments were made as of XXXX XXXX, XXXX, while omitting and concealing approximately {$21000.00} in payments made between XXXX XXXX, XXXX through XXXX XXXX, XXXX during the hardest time in my life upon the death of my husband on XX/XX/XXXX, the same day Litton Loan commenced a foreclosure upon the default on XXXX XXXX, XXXX which is the result of my husband and I following Litton Loan 's instruction to become delinquent to qualify for a modification.
Company Response:
State: TX
Zip: 76543
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mortgage Assistance Application Loan # XXXX - Attn : Case Manager 1, XXXX XXXX Hello, I have been working with my mortgage company to modify my mortgage. Due to a job loss in XX/XX/XXXX, I was unable to meet my mortgage obligations. So I have applied with my lender to modify my loan. Recently my most recent application was over 90 days old so the lender asked me to fill out another loan modification application and financial form. And this was requested by XX/XX/XXXX. But in doing this my mortgage company on XX/XX/XXXX notified me that a foreclosure sale date has been set for XX/XX/XXXX. According to my research Regulation X of The Real Estate Settlement Procedures Act of 1974 ( RESPA ). Notes that if a loan modification application has submitted a lender can not set a foreclosure date that's more than 37 days of the application. But that's exactly what my lender has done. There has been a lot of confusion from my lender, the loan has changed management companies 2 times since the start of this application. I actually have two letters on the same letterhead dated the same but with different information. One letter states my loan modification can not move forward. And the second letter dated the same date as the first asked me to send in more documents to further review my application. PHH Mortgage Services enforced by XXXX XXXX Sincerely yours, XXXX XXXX XX/XX/XXXX XXXX Loan # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have disputed the claim that I missed ( 2 ) two payments back in XX/XX/XXXX to PHH Loan Servicing and they continue to to tell me that I missed the payments. When I discussed thoroughly my payment history which showed no missed payments ; they insisted they are right. I have proven documentation that no payments were missed but yet they are reporting me late and insisting I bring the account up to date now in XX/XX/XXXX. I asked why was this not brought up then, and they respond by reading a script with no answer. This is a foreign operated company who has little information about our laws, state laws, real estate laws, your loan and so forth. But yet has the power to discredit you by the means of your home investment. I have asked for a review and proof of missing payments ; and they send me a copy of the pay history so small I believe it would be a less than 6 font! Since I already had the information to prove other wise ; they failed to acknowledge and insist they are right ( even when I went over the payment history line for line ). I have tried to reach the company by the listed address in NJ, but only get a response from the over seas division of operation who has no clue as to what to do. All they want to do when calling is set up appointment dates to kick the can down the road. This is a major problem, I feel like I am being extorted for my house! I have looked into multiple ways of dealing with this issue and taking advantage of all that's available to me.
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX PHH Mortgage became my new servicer from Ocwen Loan Servicing LLC. PHH sent me a list of fees which included inspection fee cost that they deleted from my escrow account during the transfer. I applied to the Hardest Hit Fund at that time who preapproved me pending PHH divulging information about the lienholder of my loan. PHH did not comply and on XX/XX/XXXX my application was withdrawn due to incomplete application. On Or around XX/XX/XXXX PHH Mortgage hired lawyers XXXX and XXXX to represent them in foreclosure proceedings. I was represented by NC legal aid for assistance at the time. The hearing was set for XX/XX/XXXX. I continued to work with legal aid who tried to help me modify or sell the property. PHH denied me modification at the time around XX/XX/XXXX. They already refused to take payments. On a XX/XX/XXXX a XXXX knocked on my door offering cash for my property he stated he worked with XXXX and a XXXX XXXX. I told him that I could not get help due to information regarding my lien. He left and came back the next day with a satisfaction of lien with Ocwen and PHH Mortgage. This was the very document requested last year but was filed after my application was withdrawn from XXXX. On XX/XX/XXXX I requested a payoff quote to refinance my property. I was approved by XXXX XXXX XXXX XXXX. My file was complete pending a payoff quote. I requested a quote from PHH who told me it was faxed to XXXX XXXX XXXX XXXX on XX/XX/XXXX by their lawyers. Instead PHH Mortgage submitted my payment history to the Ioan officer at the credit union. I called them back and they denied sending this report of which my credit union gave me the copies. I then again requested a payoff quote and PHH told me to call their lawyers XXXX and XXXX. I was still working with legal aid but XXXX and XXXX refused to speak with them so on a three way call we requested the payoff quote. I was emailed a payoff quote on the XXXX of XXXX with the date of the letter being XX/XX/XXXX with a good thru date of XX/XX/XXXX. Had the letter been delivered as dated, I would have had time to get the loan processed and closed by XX/XX/XXXX. The loan officer at XXXX XXXX XXXX XXXX asked me to have them send a new payoff quote with at least 10 to 15 business days from the delivery date to process. I called both PHH and their lawyers to change the good thru date to a XX/XX/XXXX and was told that it could not be done until the XX/XX/XXXX good thru date expired. I told them they were keeping me from refinancing and was told by XXXX and XXXX that I was approved for loss mitigation by PHH Mortgage and the hearing date was cancelled. I told XXXX XXXX from XXXX and XXXX I asked for a new quote she said I will have to wait for PHH Mortgage to resubmit the request and an additional 7 business days for XXXX and XXXX to process and she could not tell me at this time when. This was told to me on XX/XX/XXXX. At this point I have been calling everyday several times a day. I then called PHH back furious. I was told by the escalating manager " XXXX " that the second quote was completed on the XXXX and submitted to XXXX and XXXX. When I called XXXX and XXXX they stated they did not get it they emailed me the same quote dated for the XXXX good thru date still XX/XX/XXXX on XX/XX/XXXX. I called PHH again spoke to another escalation manager named XXXX. I told him I wanted my quote so I can pay them completely off. XXXX then told me after several hours of me trying to get my quote that he has good news. I was accepted for a loan modification on a trial basis. Did I wish to hear about it? I said no, I want my payoff quote. I no longer wish to pay a negative amortization loan. XXXX stated there is a process that takes 3 to 5 business days to get a quote. He stated he will call me back Friday. He also stated that he did not understand why I could not use the quote dated the XXXX. Please note, I am not only being charged NSF, inspection, legal fees by XXXX and XXXX but a per diem charge. What debt collector not cooperate to collect a debt? My loan offer will expire soon and my fear is that I may be homeless because of the added fees to my mortgage driving my refinance amount up daily. My original loan was XXXX now it is over XXXX and growing. Please help me get the payoff quote to free me from this nightmare.
Company Response:
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Our original and subsequent requests for mortgage assistance in the form of loan modifications, forbearance plans, repayment plans were submitted numerous times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently in XX/XX/XXXX but to no avail. Most recently the process was stalled by the mortgage company from late XX/XX/XXXX to XX/XX/XXXX supposedly waiting for a reply from XXXX XXXX regarding the letter they sent to them on our behalf, thus many months later being told we were denied and that they knew nothing about waiting for XXXX XXXX decision. I constantly call them, and I have found that they often never know whats going on with my case. I usually have to refresh their memory, even the so-called Relationship manager has no clue and their XXXX language barrier makes it difficult to communicate properly with them. It feels as if I am talking to a robot. This has been a difficult process and at their request they tell me to reapply for assistance then they deny us for the same reason, they are ignoring the medical situation and car accident that caused the temporary loss income. XX/XX/XXXX ATTN : ESCALATION DEPARTMENT/APPEAL OF DENIAL Subject : Home Retention Department Loan # XXXX To whom it may concern, In XXXX I suffered severe XXXX XXXX pain which throbbed/ached at night when I tried to sleep and affected my ability to tie my shoes, walk and perform my work duties, therefore at the direction of my doctor I was instructed to have my XXXX XXXX replaced. Prior to that I tried XXXX but it didnt help me. I was only XXXX and they said I had the XXXX of a XXXX year old and they said it was genetic. I was then scheduled for XXXX on XX/XX/XXXX and afterward I spent 4 months recovering even though I was initially told 2 months. I suffered excruciating pain for 2 months and I was unable to care for myself without help. This took a serious toll on my family, my business XX/XX/XXXXand my mental. Subsequently my XXXX became XXXX and it took some time to heal and my XXXX XXXX became longer. I spent XX/XX/XXXX slowly recovering, thus subsequently returning to work. Second, on XX/XX/XXXX I was in a horrible car accident which re-injured my replaced XXXX and left me with multiple XXXX in my XXXX and XXXX, and my car was completely totaled. This accident left me unable to walk for two months without assistance. My XXXX XXXX left me on bed rest for 8 weeks, thus followed by an additional 8 weeks of therapy. Financially I thought I could manage however the insurance company would not pay my lost wages since I am self employed and they led me to believe I would be paid later to tell me they couldnt. Anyway I returned to work sooner than the doctor wanted me to so that I can help my family financially. My XXXX income covers 60 percent of our bills therefore not having it hurts us. ( my husband works for XXXX XXXX XXXX XXXX XXXX XXXX ) Also, my daughter who is in the United States XXXX XXXX is also an occupant of this home, has tried to help us as much as she could but her income is very limited. Third, the repayment plan we were in at the time of my accident had us paying a double mortgage and in conjunction with my medical problems/loss of income..we could not though we tried. Upon my return to work in mid to late XX/XX/XXXX our income was analyzed by a HUD approved housing counselor and they ascertained that we can afford to pay a XXXX per month mortgage with a little left over after our bills are paid. The counselor was working on the possibility of you giving us a new repayment plan. Finally, I am now fully back to work and as of XX/XX/XXXX I have put myself in a situation whereby I can increase my income by 30 percent thus allowing us to pay a double mortgage and save for a rainy day without a problem. We are formally requesting a fourth and final loan modification due to my recent medical condition and subsequent car accident this year. Please consider our request. I am working hard to start over and improve our finances so that we can move forward in economic success thats consistent. We want to stay in our home.this is a place where I run my business and losing it will impact several families that count on quality XXXX XXXX and XX/XX/XXXX services and most importantly, my family that loves this home. Furthermore upon being denied for a loan modification 3 times because the investor did not allow more than 3. I reached out to XXXX XXXX Corporate offices and I explained my situation and they verbally told me and then sent me a letter alluding to the fact that they would send the servicer ( PHH ) a letter asking them to re-evaluate our request and help us obtain a loan modification for the fourth and final time. ATTACHED LETTER FROM MY MORTGAGE INVESTOR, XXXX XXXX P.S. At your request I can provide you with proof of my medical conditions by showing hospital records and medical records. I have proof of the car accident and insurance company denial letter for lost wages, upon your request. I can also provide you with the HUD government approved budget counseling.etc. Thank you in advance for your help. Yours Truly, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11581
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Today we had a scheduled appointment that we made on Tuesday, with PHH Mortgage today XX/XX/XXXX @ XXXX. They did not keep the appointment, they did not call us concerning the account status, we have been trying to workout a solution with PHH. When we called PHH after they did not call us we called PHH and the first person we spoke to after the verification the computer froze and then they passed the call to another person. This person tried I was put on hold at least 6 times and each time he came back with no information. We are very nervous because the homeowner is a senior citizen in her XXXX 's and the sale date is XX/XX/XXXX. Then we asked about the person who was assigned to this file and why we did not receive a call for the scheduled appointment, then the agent stated that they called but no one answered, not true, we waited with the phone line clear for the call. Since the Customer Relationship Manager for the file did not call and was not available why was no one else in the entire company of PHH, able to talk to us and give us some information on the file. The answer was no one could discuss the account except the assigned Customer Relationship Manager. We have tried all day and still no one can give us any information with a pending sale date for XX/XX/XXXX. I asked for the supervisor and they could not get me the Supervisor for the Customer Relationship Manger assigned to the account. In other words PHH has refused to cooperate or give us any information about the account. Please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: The CFPB has already successfully had a case against OcWen. They did the same thing to me in 2010 and I just lost in federal court against them. They lied and used subterfuge, ignoring all they did to try to unjustly and fraudulently foreclose, attempt and threatened to foreclose on the property in question. We were XXXX XXXX XXXX XXXX customers when the company was shut down and our mortgage farmed out XXXX, a subsidiary or OcWen. They tripled my mortgage, collecting escrow not due and not allowed by the original loan, refused my regular payments or paid escrow amounts not due without applying payments to mortgage, caused a huge escrow to be due without correcting account even with repeated attempts by me to correct it and sending documentation. They then repeatedly sold the loan to subsidiaries within the OcWen company, each time adding more and more fees not due, refusing payments and refusing to correct account to allow me to make my mortgage with timely payments as I had always done without fail. After 6-12 months of this and publishing foreclosure action notices repeatedly in local newspapers, I had to seek an attorney. We filed suit in state court, it took OcWen 3 yrs to reply to discovery and they have dragged this case on for years, forcing it into Federal court where they historically are at an advantage, unless you have exemplary counsel which I can not afford, nor have I been able to afford. They have taken advantage of my lack of money and lack of good counsel repeatedly. I am going to be homeless without help and I had never missed a payment, always paid taxes and insurance. I was attacked and had my home stolen by a multinational company with bottomless resources which I am not able to fight. I need someone to help me.
Company Response:
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In response to my complaint, # XXXX-XXXX, PHH Mortgage submitted requested Power of Attorney, which is IRRELEVANT. Presented document effective XX/XX/2013. I request to provide Power of Attorney, which pertain to the time frame from XX/XX/2013 to XX/XX/2013. In the order to justify my request I provide documents related to the Sheriff 's sale, XXXX county, Wisconsin and court orders, XXXX County Circuit court. Property was conveyed to the investor XXXX XXXX XXXX XXXX XXXX on XX/XX/2013, Electronic Real Estate Transfer Receipt XXXX. Therefore, after this date neither GMAC nor Ocwen had nothing to do with the loan and the property. XXXX XXXX.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A