Date Received: 2020-01-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been trying to refinance my mortgage with XXXX/PHH mortgage. I had been trying to get a payoff amount for my loan since approximately XXXX. They would not release the information despite numerous phone calls. They knew I had a deadline which was the end of XXXX, to finish this transaction. They release the payoff amount in a letter XX/XX/XXXX .... which was a price that was supposed to be good thru middle of XXXX. However, they then turn around on the second of XXXX and report my mortgage as being delinquent because they didnt receive XXXX payment. Now my refi is halted because they are showing delinquent payments. Ive never been delinquent previously and the only reason for this being late, was their refusal to give me a payoff amount. Now they wont return my calls to get this problem corrected.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH mortgage made payment agreements with me on 2 different occasions only to deny doing so and sent 1st back, then saying didnt receive 2nd one at all although i explained i had and had proof they had received it, they said would review of my case and would take 10 days however 1st review done in beginning of XXXX wasnt ended and info redarding the result of it wasnt relayed to me until XXXX of 2019 and was entered into their computers improperly due to the information in their computers that they were telling me was their decision was actually information Ipersonally told them regarding date I received money back not why or who sent money back and was told that during review they forclosure couldnt and wouldnt proceed but they were in fact proceeding but assuring me they were not and to throw out letters I was receiving regarding foreclosure that it was just what would normally happen during such time frame had investigation or review of my claim was being handled and only after receiving letter on XXXX with auction an date did I realize I was seriously deceived with no time or money to file suit against and sale date is tomorrow!! They finally admit as of yesterday at XXXX XXXX they received the money on date per our agreement and told me to call THEIR attorney and ask for a reversal and reinstatement so i did to be told need their other dept. and was transferred at XXXX. i can prove they have not given me proper notice, mislead me, mishandled phone records, prolonged reviews and research regarding these issues since I reached out to them in XX/XX/2019, and PHH did not properly acknowledge having accepted my money or review my information in a timely manner until to late to stop them from taking my home of 21 yrs, mishandled phone calls, mail fraud, withholding my payments or sending them back ( to assure sale of home happened ) for the sole purpose of financial gain for them and i feel may end in a total loss for my family which can leave us homeless. Also I believe there is improper handling of paperwork, deception, falsifying notes in their computers giving me inaccurate information which I can prove easily and can be proven more with phone records of theirs and mine and holding off on investigating since XXXX ( until yesterday although I had proof of them receiving money and me submitting it by phone and fax multiple times and even telling them the proper EASY steps to take within their company to see i complied with their attorney and them from the beginning ) and absolutely refused any management numbers, emails, or any other department besides the main dept that answers until this past friday evening, mishandling payments, proof of payments and not putting proper information that i told them in computer on multiple occasions since XXXX of 2019 which resulted in what I believe and know is a improper and illegal sale of my home which I had and still do not have no money since they still have it and no time to fight or file a claim against them and they are proceeding with the sale of my home today although they admit fault to me on now 2 occasions verbally over the phone. I am contacting their attorney as soon as they open today to ask for reversal and reinstatement per PHH as of yesterday at XXXX XXXX. which lleft no time to reach the proper department with their attorney yesterday so I was up the first 4 days contacting everyone that i could and researching how and who can stop this and was referred to you by HUD and internet but was working with them believing they would or I could get 1 person to hear me and Please stop the sale of my home. I continue to speak to them but now know they arent going to stop it since its today and i have to tell their attorney what i want? Makes no sense but i will again comply and ask YOU and anyone who can help. To STOP THE SALE OF MY HOME THAT IS HAPPENING NOW THIS MORNING at XXXX XXXX. ( i think because my papers show different everything than yours so i dont know about time and date was given to me by an attorney friend who looked up my case and found several inconsistancies but I couldnt hire him it was solely for my information ) or my family will be homeless. This as I've been told by PHH ( and knowing myself ) is of no fault of my own but mishandling of EVERYTHING by PHH and is unjust and unfair, has caused much distress to me, my family, my health, and my marriage of 30 years, and could have been resolved within 5 minutes with a simple phone call and /or proper investigating within their own company which i could not obviously do myself and that was resolved within 2 weekdays by a different department i was transferred to this past Friday so please stop the sale of my home due to these facts and the fact that your attorney as i believe you know must talk to you to stop it not me ( although i will comply and call ) since they are your attorney and work for you to sue me for my home is the way i see it anyway not knowing any of the legalities of that but seems like a no brainer to me and feels like another stall tactic at this point and if this doesnt happen, the stopping of the sale I have 1 news station on standby waiting to go public with the information and proof I have and to contact the C.E.O. and let him know this as well if I have to thats how positive I am with my knowledge and proof that this process was completely illegal in many ways. Theres also the issue with the amount still owed is more than my origional amount to be paid on a 30 year fixed 5.25 % ( ibelieve ) FHA loan 21 years later with no refinancing or other mortgages ever taken out on it only 2 i believe possibly 3 loan modifications that I would like a breakdown of and explination ofwhy it remains more or as much as the day i purchased it so pkease help me stop the sale of my home giving me at least 60 days to now get 4 more months that are due then another 60 to pay the next 3 that will be due from that or at least stop sale and we can try this again since not my fault but PLZ DONT SELL MY HOME since i complied 100 % and their company is at fault this is happening not me.
Company Response:
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been unable to locate my 2nd Lien Account. Last Assignment of Record is GMAC Mortgage Corporation in 2005. I have been advised that Ocwen has taken over some of their loans.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been unable to locate my 2nd Lien Account. Last Assignment of Record is GMAC Mortgage Corporation in XXXX. In XXXX The Company was transferred to XXXX XXXX.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We started to have troubles with our mortgage payments in XXXX. We contacted the servicer and they said our loan was not allowed to do a modification so I asked who owned our note so that I could talk to them they said that I would have to talk to XXXX XXXX in which I called the VP and he told me they did not own our note and he sent me back to the servicer. The two companies kept sending me back and forth. So we finally just sued everyone to see who owned our note and then miraculously XXXX XXXX said they owned our note and their attorney emailed it to our attorney and we noticed that it didn't look right. So we emailed it to a forensic to have it inspected and she said it had definitely been altered. The judge wouldn't let us do anything with the note. So we kept fighting with XXXX XXXX, and in XX/XX/XXXX we had a gentleman do research on the insurance policy that XXXX XXXX had taken out on our mortgage. The mortgage was combined into a trust which and the insurance policy was on the trust. And in this report it showed as of XX/XX/XXXX that the bank had already been paid in full for the principle and interest by the insurance company when we went into default on our mortgage and because of the type of policy being a Class A-2 they did not have to pay back the insurance company after they foreclosed. We informed XXXX XXXX attorney of the matter on XX/XX/XXXX and he said that they had never been paid out by a third party for the mortgage without him even having time to get with the mortgage company about this matter to find out to make sure. XXXX proceeded to foreclose on the property on XX/XX/XXXX. To our understanding with people that we have talked to that XXXX XXXX collecting from the insurance company and then still foreclosing on the property that this is double dipping and is against the law.
Company Response:
State: ID
Zip: 832XX
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Increasing my monthly payment without my knowledge since XXXX XXXX from {$430.00} dollar monthly to $ XXXX.I was tried to contact the motgage company called PHH Multiples time but an able to get an answer.My mortgage has been a fixed one and I was surprised that a morgage company has a control on my finance and can modify the rate and garnish my money from my direct payment bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband of 43 years passed on XX/XX/XXXX we where with Ocwen they agreed to a modification of my loan. I started to pay them XXXX per month starting XX/XX/XXXX. Ocwen transferred my loan to PHH Mortgage I have been with them since XXXX XXXX. I have never missed a payment with them of XXXX at 5 % for 30 years. I was 3.75 % and my balance was XXXX moved in my home XXXX. They agreed to my modification and my balance on my home is XXXX. They stated to the credit bureau I miss XXXX, XXXX, XXXX and XXXX, it took my credit to XXXX. I am still working in the XXXX XXXX with XXXX XXXX XXXX that I could loose due to this credit report error. I sent bank statement showing never late or missed payments and that my modification with them was approved due to me never missing a payment with them. My credit is very important to me now that it's only me. I would like them to correct this urgent mistake so that I can live this is causing me overwhelming hardship. Also are their attorneys that can help people like me to assure that this modification is not again hurting me and it ; s fair justified. I can send you copies of letter to PHH to correct this major error. If not my life is over due to this mistake.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have made multiple attempts to obtain information from Ocwen Loan Servicing, llc, the Servicer of Deed of Trust # XXXX XXXX recorded in XXXX XXXX XXXX Recorder 's office regarding a purported foreclosure sale of " property '' to satisfy an obligation secured. OCWEN LOAN SERVICING, LLC has evaded the specific question. QUESTION : WHAT is the name of the holder of the promissory note secured by the Deed of Trust # XXXX XXXX that OCWEN paid ( after the foreclosure held XX/XX/2015 ) to satisfy the obligation OCWEN claimed existed in a Notice of Default document recorded in XXXX XXXX XXXX Recorder 's Office ( See Attachment document identified as " Notice of Default ''?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Lender is has not returned escrow funds of {$1000.00} two months after closing ( XX/XX/2019 ). Mortgage was paid off and lender has received payoff funds XXXX XXXX XXXX for Mortgage payoff. The funds were wired to their bank ( XXXX XXXX XXXX Bank on XX/XX/2019 ) Lender refuses to reflect the loan as paid off, and continues collection efforts even though they have record of the loan being paid in full. I've called numerous times and been placed on hold for over an hour before being disconnected abruptly. My credit report still reflects the full loan amount due, and I have received numerous collection calls from the lender. the lender is : XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A