Date Received: 2020-01-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH Mortgage has refused to provide me with a payoff of my existing mortgage that I request on XX/XX/XXXX by phone. On XX/XX/XXXX the representative XXXX that I spoke with said I would have my payoff by fax on XX/XX/XXXX due to the holiday. I did not receive the payoff on XX/XX/XXXX, so I called PHH again on XXXX XX/XX/19 and I was told that it was sent to their lawyers for calculation and he faxed it out to me on XXXX XX/XX/19 based on the notes in the system. Again, that was a lie, I am in escrow and the escrow company has requested a second attempt to obtain the payoff as well and they are refusing them. By law it states the mortgage company has 7 business to issue my request as the borrower. By XX/XX/XXXX it will reach the 7th day mark and I have yet to receive my request. PHH is also falsifying charges on my loan from XX/XX/XXXX to present that are incorrect and they refuse to remove them in the amount exceeding {$39000.00}. I have asked and written letters of errors on my account and wanted a detailed descriptions of the charges along with proof of receipts from their vendors. They also have denied me proof and the opportunity to speak with the supervisor in charge of the charges.
Company Response:
State: CA
Zip: 93612
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: They have made a mistake and everytime I call they even admit it but it never gets fixed. Some how they keep saying a XXXX XXXX dollar a year insurance policy was taken out on my house. I have paperwork that says its XXXX dollars a year.I cant even make payments they say it will go into suspense cause the escrow account is all messed up from their mistake. The company is XXXX XXXX my name is XXXX XXXX.My # is XXXX - XXXX please help I call and stay on hold for up to 3 hours but it never gets fixed I have done this over 5 times.
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I just found out by applying for a mortgage that there were balances on a some 7 year old short sale rental properties that were agreed to be paid in full and I have all of the documentation that the payoff was agreed and I have the HUDs and the mortgages were paid by an attorney with a realtor and the amount was satisfied. There were 6 properties involved closed 5 closed XX/XX/XXXX and the last one XX/XX/XXXX. 2 mortgages were with Homeward and Ocwen did the closing and the other 2 were XXXX and XXXX did the closings. All documents were agreed and I worked extremely hard with NO pay to get these properties sold without being vandalized. Out of 24 units in this complex, I had the last 6 and they had all gone to foreclosure and the neighborhood was in dire straights and drug infested. I Could not rent for what the mortgage balance was and the appraised value was XXXX, XXXX. I called all of the 2 mortgage companies and THEY both Homeward and XXXX said the best decision was to short sale. The mortgage recession had ruined my career and now my property was worth 25 % for what I paid for them. I DID NOT cause these situation nor a dead beat borrower. The market put 9 million people out of business. We had buyers in XXXX of XXXX but due tro poor customer service we lost 2 cash buyers and the third buyer bought all 6 and these loans were closed and I never heard a word from anyone. I received a mortgage interest statement and that was it. In XXXX of XXXX I received started recieving dozens of letters from the IRS and the XXXX personal tax returns were reporting XXXX of income and only XXXX of XXXX was I able to pull the transcripts to see that Ocwen and XXXX had sent 1099s to the IRS that I had earned income on the properties. I have the waivers in my package. This is unbelievable. 7 years ago. I dont ; know if my tax returns were tampered with or what happened. XXXX XXXX is under investigation for committing fraud on my returns. At any case I do not owe any money. How is it legal for a mortgage company to bill a citizen and I am XXXX and live on XXXX and say I am responsible for the debt. If I knew that was even a remote possibility I would have filed for bankruptcy. This is a insane that both companies Ocwen and XXXX just happened to send the IRS 1099s at the same time the same year. I know there is fraud involved. How ironic that Ocwen a known scammer company and then XXXX supposedly a reputable company would report at the same time. The mortgage 2 XXXX and one Ocwen closings were in XX/XX/XXXX and the last Ocwen was XX/XX/XXXX. I have emails from the atty assuring me that there is not deficiency and I would not have wasted 6 months of my time and seriously it was hard work to get all this paper work done, If there was a fraction of a chance there was a deficiency. I have the paper work and have sent to XXXX and to PHH which is supposedly taken over Ocwens. This really looks very criminal and definitely violates my civil rights. I had never received any mail no notice nothing except the IRS saying my income was XXXX in XXXX. I pulled my transcripts in XXXX and THESE WERE NOT THERE> I have sent to XXXX and to my XXXX XXXX XXXX and to XXXX and PHH all of the loan packages and the consent that the lender advised me to do a short sale in lieu of foreclosure. There are ( 4 ) 1099s that were sent to the IRS with out contacting me or sending me a copy or any notice at all. The IRS say they can garnish my XXXX and what little assets I have left. To charge me 7 years later for that kind of debt and if this is legal is communism and I will send this to TIGTA and will sue the Mortgage Companies for fraud and a malicious attempt to destroy my life and my what is left of my life. I just turned XXXX years old and this type of consumer abuse is criminal and absolutely violates several amendments. I have no problem going public with this and filing any complaint that will stop consumer bullying and the IRS should not accept this bill and apply it to my taxes. These closed 7 years ago. Doesn't the government protect the people. I have a wonderful lady helping me with this BUT the IRS should take one look at this and see the closing date and revers the charge. I am quite sure these companies wrote this amount off the year of the closing. Which is a tax write off. So this is illegal and I will write every member of congress and yes please post this, More people need to stand up for our rights. I had no control over the recession and the property values and I will not pay stand for this attempt to further destroy my life. I have suffered greatly and can barely live on a XXXX check. I was in XXXX and the stress of this has cause my illness to resurface. This is financial abuse and I am being bullied by the Federal Government. I have been abused by crooked attorneys and crooked accountants and this is just proof that some how 2 companies that have nothing to do with each other and each townhouse had a different address and just so happens that ... BING.. all 4 hit my tax returns back to back. I have names, addresses, HUDs, documents and waivers of delinquency and will gladly provide any information you need. WE The PEOPLE need to gather together and enforce our amendments. Thank you CFPB for having this site for us to file a complaint and try and get justice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a response to my previously submitted complaint, Regulatory case ID : XXXX filed against PHH Mortgage Services and wish to dispute it. On 2/20/2019 I received letter titled " Recast Offer and One Time {$5000.00} Incentive ", see attachment, I followed the instructions and accepted the offer per letters instructions. The response dated XX/XX/XXXX claimed I received the recast amount of {$5000.00} which was applied to principal on XX/XX/XXXX. True, but, I also received another offer on XX/XX/XXXX. On XX/XX/XXXX I received a letter titled " Signed Recast Agreement - for your Records '', which on page 2 states " Whereas borrower recently made a prepayment of principal of XXXX XXXX dollars ( {$5000.00} ) -- -- -- - '' In reviewing principal payment history provided by PHH Services there is no payment credited for {$5000.00}. All activity regarding this credit occurred in XX/XX/XXXX, totally separate from the offer in XX/XX/XXXX. I am owed {$5000.00}, and have a notarized document signed by my wife and I and accepted by by XXXX XXXX, Assistant Secretary, PHH Services on XX/XX/XXXX stating such. I am still waiting on the authentication of principal increase of {$7900.00}. I am requesting an itemized statement showing how this amount was calculated.to come up with principal balance of {$330000.00}, and the supporting documents. What were the individual components arrears, deferred principal, etc..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019, I went to pay my mortgage to PPH, which was only {$420.00}. OO. When I pulled up my loan statement online at their website, it said that I only owed {$840.00} to pay off the entire loan, so rather than pay the monthly due amount of {$420.00}, I paid the entire {$840.00} it said that was remaining on the entire loan to pay it off. On XX/XX/XXXX, when I checked the website, it told me I was late on my XX/XX/XXXX payment and that I owed {$840.00}, which was the exact amount that I paid on XX/XX/2019. I checked my bank and the money had in fact left my account and been sent to PPH. Additionally, the recording when I called PPH confirmed it received it on XXXX XXXX. When I spoke to a representative, he claimed that they had not applied any of the money because it was not the full amount, but I explained that I paid the entire amount due, which it listed at {$840.00}. He couldn't explain why the website said I was late when I paid almost twice the amount owed of {$420.00} but more importantly the full amount owed and showing at the website. They failed to apply any of the payment that was
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The owner is deceased, This home belongs to an estate. All documents and required documents were submitted to Ocwen Loan Servicing. All documents were submitted : Loan Modification Family Transfer Package Owner Occupancy Certification Applicant Information Form Application Identification Certificate XX/XX/XXXX - The Transfer Deed was recorded for the grandson. Everything Ocwen requested was done. XX/XX/XXXX. The transfer took place in XX/XX/XXXX. PHH refuse to even look at all of the submission even though PHH is an Ocwen Company. They did have a sale told for XX/XX/XXXX. They said it was cancelled but we are not sure and the way they have told us so many stories every representative telling us another story that is why we are coming to you for help. We wanted to send them all that was sent but they refused, they claim the loan is being reviewed, for what and how can we be sure? ID # XXXX said the sale was on hold. on XX/XX/XXXX.
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The owner is deceased. All documents have been submitted from the XXXX Court. This house is a part of an Estate. Ocwen Loan Servicing, first asked for a loan Modification application, we did it, and then they came back and asked for an Assumption package we did it, Family Transfer package we did it. We sent information concerning the administrators we did it. The person taking responsibility for the loan is the grandson everything was verified by Ocwen.They requested a new Deed with the grandson as the new owner we did it.On XX/XX/XXXX, the new request of Applicant Information Form and the Owner Occupancy Certification was submitted. Then in XX/XX/XXXX the loan was transferred to PHH. All of these applications and proofs submitted was not accepted or acknowledged by PHH even though PHH is an Ocwen Company. The person that we worked with was at XXXX XXXX ext. XXXX ( Ocwen ) With PHH, it took 3 months to just talk to some concerning the account and had to call back multiple times and still got no information, but they would put a sale date on a property that complete all of the requirements.We tried to send proofs of all the documents submitted they refused. We completed the new loan modification for PHH they said we did not need too. Yet they have a sale date for XX/XX/XXXX. The whole month of XXXX starting XX/XX/XXXX. Each time we called we rece3ived another story after being put on hold for at least 10 times if they transfer you to the right department.We spoke to XXXX XXXX Qualifying Assumptions, then each time we called they told us that the case was esculated, we spoke to ID XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX on XX/XX/XXXX and this person said that there were no esculation and nothing was being done to stop the sale Ocwen though everything was done before the transfer. We called back and each time we were transferred they hung up on us. We had scheduled appointments they never called and the assigned representative could not be reached. We never received a notice of sale from Ocwen or their attorney we found out though a person coming to see the house and from calling PHH.
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, This is XXXX XXXX, PHH Mortgage bought my loan and have failed to do their jobs at every step ... Due to their nefarious plan to steal my house. I have many XXXX reviews that show that this company is not just doing this to me but a lot of their customers ... They dont notify you when they buy your loan and then if you miss any payments they block you and send the account to their lawyer to forclose on your loan after two to four missed payments caused by their failure to notify you .... when you try to make payments they refuse to accept it while also sending letters that they are mandated to send by law requesting payments ... When you call or log in to their aweful website to pay off your debt they refuse to accept payment ... requesting the entire balance of the loan instead ... essentially demanding you refinance or give up your home in default. you call for a modification due to their actions and they say they will consider it but its a delay tactic as they ask for no information but always decline it while buying time for their lawyer to forclose on the home ... they dont want payments ... they want the house which will increase in value and even if you get a lawyer to sue them into taking payments ... they just charged a whole bunch of late fees for blocking you from paying on time ... They know that Under Trump the CPFB has no claws as Trump has hollowed out the CPFB since they held him accountable for his fraudulent schemes in the past ... suing the supreme court to dismantle it entirely! Companies know there is no cop in the beat and they are taking advantage of the elderly and disabled to make millions!
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Father XXXX XXXX passed away I have been making the payments on the mortgage Court appointed me I have submitted all docs to PHH ; they don't acknowledge I get reps from XXXX that do not speak English also the balance on PHH recording sayd $ XXXX their statement says $ XXXX
Company Response:
State: AZ
Zip: 85233
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid my payment on time and was sent threatening statement saying it was late, payment plus next payment plus late fee owed. I have proof it was paid. I am XXXX years old and this is my home. I am afraid this company took over from prior servicer and will try to foreclose on me. This is PHH.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A