Date Received: 2019-11-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind on my mortgage after my payment went from {$1000.00} per month to {$3100.00} per month. It was an adjustable loan modification that expired. I hired an attorney to help me submit an application for a loan modification. That application was submitted on XX/XX/2019 at XXXX. On XX/XX/2019 I received a letter stating the application was incomplete and was missing two bank statements showing receipt of rent or two most recent deposited rental checks. This was a lie by PHH. My attorney confirmed two bank statements showing all rents were submitted with the original application on XX/XX/XXXX. My attorney decided to just resend the same bank statements that were included with the original submission again. My attorney states mortgage servicers will purposely say they are missing items because they want to stall and also increase the possibility I will not comply with their request and then they can foreclose on me stating it was my fault. On XX/XX/2019 I received confirmation my application was complete. Per my attorney RESPA Regulation X requires a servicer to respond to a complete application for loss mitigation within 30 days. The 30 days is coming up on XX/XX/2019. I was expecting PHH to comply with RESPA Regulation X and respond by approving or denying me for assistance. Instead, today I received another letter stating my application is now incomplete asking me for the same items that were already submitted on XX/XX/2019. My attorney says PHH is doing this because they are still trying to get me to give up my house, they have not completed their review in the time period required by RESPA Regulation X and this is their way out of complying with the law.
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX my wife an I have learned that she will be having a reduction in hours at work. I started to research my options by trying the following : -Refinance with another bank -Refinance with my existing back as they have been overwhelming me with offers. When I when through the process of refinancing and had my credit pulled they offered me a rate that is not only over 3 points higher than the market rate but is 2 points higher than my rate. So i turned down their offer. Since then i have been trying to do a loan modification. They sent me an application and i submitted all the documentation required. This started a long process that went in the following order - On XX/XX/XXXX I received a call stating that my application was complete just my name was not clear - Sent in revision that same day XXXX was received a letter stating they needed a hardship letter even though it was not required if i submitted a bank statement according to their application. I sent everything same day. XXXX was sent another letter sating that they are missing my paystub and bank statement which i sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I submitted everything. I was told that they have everything they needed. XXXX another letter stating missing paystub. I called the bank and they said the file is not clear. Which is not possible. This document is a digital file that i have submitted in original digital format, scanned as PDF, faxed, converted to XXXX doc, XXXX, screenshot and have confirmed on multiple computers that it was clear. They keep asking for the same documents over and over to then say " thank you we received everything but unfortunately it expired, please send us updated documents. I am trying to act in good faith and pay my mortgage on time but now i am forced to make decisions on whether or not i can provide the proper nutrition to my children or pay this mortgage, all while they are playing this document game. I have attached some of the emails i sent to them with document to show that they are all clear. I would upload everthing but there is a 10 MB limit
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am reporting this complaint against Ocwen Financial Services and its subsidiary PHH Mortgage Services to request that the escrow of my account be removed from the home loan. The reasons are several and with legal implications, which I list below : # 1 - For several years these corporations included in my home loan a hazard insurance policy that has not fulfilled its legal obligations for me as an insured. An expensive and overvalued policy that does not fulfill its obligations as an insurer and that has my property at high risk of being destroyed, since since Hurricane Irma the roof of the same has deteriorated consistently and continues to happen with high risk for our family. This insurance company XXXX has refused to attend to our claims about the obvious damage to the roof and other parts of our house ( We attach current photographs of the damages ) and therefore we are demanding that the mortgage company be removed from my account escrow this insurance since from XXXX of this XXXX we decided to choose to buy our own insurance that was already paid in full for the period from XX/XX/XXXX of XXXX until XX/XX/XXXX of XXXX, as it may not be possible for us to be scammed of that way by the Mortgage Company with insurance policies that do not cover the damages of our property. At the same time we want to request the return of all the money that was paid through the escrow account of my loan for this property insurance that does not want to fulfill its legal obligations to pay for the damages occurred to our house. # 2 - For years also this Home Loan Mortgage arbitrarily and completely illegally forced to include within the Escrow account another Flood Insurance Policy, a policy that according to the Federal Department of Fema is not necessary for our house, since our The property is located in an area that is not at risk of flooding since XXXX, Insurance Policy, which we were fraudulently charged and exaggerated for about over {$3000.00} dollars per year, when in fact the cost of this type of policy In case we decide to have it it does not cost more than {$400.00} dollars per year since the property is excluded from the flood risk zone. Therefore, we are demanding that the excessive expenses of this type of flood policy that my property does not need be returned to us. Attach copy of FEMA Documents as evidence of our claim. # 3 - Likewise, through this claim we are requesting the elimination of the payments of our property taxes due to the constant late payments and at the wrong time of the Mortgage company to pay the city and the county ( XXXX XXXX Gov ) as the payments made by the Mortgage Company they were made with many months of delay directly affecting my Escrow account with high interest for late payments and at the same time making me lose my Home Exemption benefits to which by law I am entitled as the owner of a property in XXXX XXXX County. We are requesting that in the following my property taxes be paid by me only to be able to make them in the time that the City of XXXX XXXX requires likes as I have approved a Home Exemption of {$25000.00} dollars in my property and I will not lose them because of it of late payments of these mortgage company that do not meet their obligations on time. For more details of the information to your corp taxes must be paid between XX/XX/XXXX of the taxable year and XX/XX/XXXX of the following year, something that has never happened with the payment of my taxes of my property by these Mortgage companies. Below I attach the record of the dates and amounts with absurd increases in the payment for interest and late payments by the Mortgage Company and ultimately end up affecting our family pocket. Records of late payments to the city : Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Like you see all this payments they are affecting my package negatively. So I'm requesting the elimination of my escrow account and I pay my own taxes on time without high interest rates and late payments charges. # 4 For the last months the PHH mortgage company is refusing to receive and credit my loan payments, charges corresponding to the loan and the interest of the loan, a determination that seems completely illegal to me since I am sending month by month and in time the payments corresponding to My loan and interest. I have refused to continue sending the corresponding payments including the escrow due to all the illegal and irregular circumstances of my case that was clearly explain in the points before. I can not continue to make a payment to a mortgage company that charges me an Escrow account that does not meet the legal expectations of the same, because the insurance imposed by the Mortgage has refused to comply with its obligations for property damage, also for demanding a flood insurance that is not necessary for it, for paying property taxes outside the requirements of the city, carrying additional interest expenses and late payments that directly affect our pocket. Therefore, we are mandatorily demanding that Escrow be removed from my home loan immediately under penalty of taking other legal alternatives to remedy this problem. Sincerely, XXXX XXXX XXXX. Loan # XXXX PHH Mortgage Services and Ocwen Financial Services
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Approximately on XX/XX/XXXX, I bought my relative XXXX XXXX home located at XXXX XXXX XXXX, XXXX, Ohio XXXX from her son XXXX XXXX. Ms.XXXX XXXX passed away on XX/XX/XXXX. I did a title search and there was no lien stating Ocwen/PHH Mortgage. XX/XX/XXXX Owen Mortgage filed a foreclosure against me in XXXX County Court. After two months of legal litigation, I agreed in good faith to be successor of XXXX XXXX Estate and pay all past due balances of {$7900.00} and monthly payments of {$370.00} until the loan ( # XXXX ) balance is paid off. I paid ( wired ) the past due balance of {$7900.00} from my XXXX XXXX account. After paying all past due balance, Ocwen/PHH Mortgage made me successor of the account. I made all of my obligated payments to Ocwen/PHH per our agreement. I also made an extra payment to help pay the interest down. The last telephone payment I made to Ocwen/PHH Mortgage, they withdrew from my checking account in XX/XX/XXXX in the which the Ocwen/PHH Mortgage Representative stated I can pay with XXXX and gave me the XXXX information in which the conversation was recorded for quality efficiency. XXXX, XXXX, and XXXX of XXXX I made my payments through XXXX. I just made XX/XX/XXXX Ocwen/PHH Mortgage payment from my XXXX XXXX BillPay checking account.. For the past three months Ocwen/PHH Mortgage refuses to give me any information on this account ( # XXXX ). Ocwen/PHH Mortgage Representative stated to me that the last payment I made was XXXX of XXXX and I need to pay them {$2000.00} to discuss this account ( # XXXX ). Ocwen/PHH Mortgage refuses to acknowledge me as a Successor as I once was before. Ocwen /PHH Mortgage requested certain documents to add me again as a successor in which i did in a quick timely matter. Ocwen/PHH Mortgage still is being non compliant. I requested through email several times to get a payoff of the property located at XXXX XXXX XXXX, XXXX Ohio XXXX so I can move on from Ocwen/PHH Mortgage! Ocwen/PHH Mortgage predatory practices represents two consumer violations ; ( 1 ) Breach of Contract and ( 2 ) I reside in the home at XXXX XXXX XXXX XXXX, Ohio XXXX with my XXXX year old daughter.I am enclosing all receipts and paperwork to support my claim...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX or XXXX of XXXX our mortgage account was sold to another company ( PHH Mortgage/Financial ). The Original loan with Ocwen Mortgage was for {$130000.00}. Around XXXX we went through a modification due to financial hardship, which raised our balance to {$150000.00}. The current balance is almost {$30000.00} ( {$180000.00} ) more than the original loan. We have requested the original documents for the loan, and the modification documents with amounts. The company have not sent the documents as of yet, which has been over several months ago. We became aware of this issue in XXXX when we were wanting to seek refinancing and lowering our current mortgage payment and viewed our credit report. On the report it had two amounts for a balance {$130000.00} and {$180000.00}. We are seeking assistance to understand the grave discrepancy in the two amounts and to seek guidance with dealing with the mortgage company to remedy this issue.
Company Response:
State: IN
Zip: 46205
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a mortgage through Ocwen and instead of having them for lose on my home before I moved out of state, I started the short sale process back in XX/XX/2018. I listed my house with a real estate company and my agent started the process of marketing my house. The mortgage company then went to inspect my house and put a lock box on my house without telling me or my real estate agent the combination. I proceeded to call numerous times to get the combination until after the 4 or 5th time was transferred to an associate who finally gave me the combination. I then gave permission numerous times for my real estate agent to speak to the bank on my behalf and was given the run around for the appropriate paperwork that needed to be filled out. My real estate agent then presented an offer to the mortgage company which they explained that all of this paperwork had to be filled out, which I filled out and my real estate agent did also. Needless to say, the mortgage company made it very difficult to present and accept this offer for someone to buy my house that they buyers changed their mind. The offer was for {$25000.00} more than an offer I have now for my house. I again had to list my house and again my mortgage company is making it very difficult to complete a very simple transaction. My mortgage has now been bought out by yet another company. I have a cash offer for my house and I just want this to be completed as soon as possible.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX Ocwen Loan Services received a default judgement on my home. I filed Bankruptcy and the case was stayed until XX/XX/XXXX. On XX/XX/XXXX my Deed and Trust and Note were transferred to PHH Mortgage. Ocwen Loan Services and and their Substitute Trustee, XXXX XXXX XXXX of XXXX XXXX XXXX, have continued to try and sell my house in Judicial Sale. The have no legal right to sell my home because they no longer own the debt. PHH Mortgage has agreed to work with me to avoid foreclosure. Ocwen Loan Services and its appointees are committing fraud by moving forward on a foreclosure sale on my home. XXXX XXXX XXXX and Ocwen Loan Services have illegal foreclosed on my home since XX/XX/XXXX when my loan was transferred. I have asked Ocwen Loan Services and XXXX XXXX XXXX to cancel the illegal selling of my home and they have refused.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was approved for a loan modification thru Owen Loan Servicing in XXXX of 2018. You are given a trial period of 3 months to pay the payments in full and on time. I had made the payment for two months on time and before my third payment was due. Ocwen sold my mortgage to PHH Mortgage. After many, many phone calls in which I spoke to a different person each time, who gave me different information, they WOULD NOT accept my third month trial payment to lock in my new rate. I was told I had to start the modification all over again with them. I was complying completely with all the hoops, and there were many and being assured they were doing everything to keep me in my home. Their customer service is the worst I have ever dealt with. The right hand has no idea what the left hand is doing. They continued to tell me my loan package was either missing something or something was eligible. I was never told upfront all the required documents needed. The kept asking me to re submit papers until they strung it out long enough to tell me when I call to check on the modification that my house had already been sold in foreclosure. They reason they gave me was that they didn't have time to review my paper work before the sale date. I am now awaiting the eviction process to begin. I know there were several violations in their handling of this. After lots of research, I have discovered this happens frequently with the company. They have been fined several times in class action suits.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We were paying off the mortgage on our house. The payoff amount was to arrive at the lender, PHH Mortgage, on XX/XX/19. That is the same day that PHH would debit {$1100.00} for the XXXX payment from my checking account. On XX/XX/2019 I called PHH and informed them the loan will be paid on XX/XX/XXXX and asked that they not take the XXXX payment from my account. The PHH rep said no problem PHH would stop the withdrawal and in fact PHH did not take any money on XX/XX/XXXX. Now today, XX/XX/2019 they took the XXXX payment, {$1100.00}, from my account.. I called PHH and asked if the entire loan had been paid off on XX/XX/XXXX and it was confirmed that it had. I asked if PHH has the record of my request on XX/XX/XXXX to stop the XXXX payment and was told yes. So I asked why then did PHH take {$1100.00} from my account on XX/XX/XXXX. I was told, by a rude representative, that it takes 30 days to make a change to how payments are made. I said that makes no sense because you already stopped the XX/XX/XXXX payment and then arbitrarily and without authorization took money three days later. This really is outrageous. Now I have to wait " up to '' 25 business days to get MY money that PHH illegally took on 100 % paid off loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I XXXX XXXX XXXX, am requesting another Escrow account Analysis after the loan is fully modified reflecting XXXX XXXX XXXX within the PHH Mortgage Companies and XXXX County Assessor Clerk. I am a XXXX veteran recieving compensation benefits and I need to claim Property Tax Exemption but I can't because the Title on file with Assessor Clerk is not matching the current loan modification of borrower which is me XXXX XXXX XXXX. Delay of the Loan Modification process in particular has caused me a hardship due to I am limited on my benefits I can claim/apply for within my county. I was recently told about my escrow analysis and the shortage, but was confused because it was done before the loan modification was fully finalized and the mail recieved ; I am still as C/O, and when I call I still have to give my late grandmothers sign in credentials, I am so confused as a veteran. I haven't been locked in the new loan terms for 54 days and I have been put in default of escrow shortage for 54 days confusing. I feel some of the monies during Ocwen and PHH merger has been a data input in error, causing a negative domino effect on the account before modification and during. A payment of XXXX was paid to the account # XXXX on XX/XX/XXXX???? -Requesting another Escrow Analysis, under new Loan Modification Terms. ( XX/XX/XXXX ) -Need Loan Modification finalized, reflecting XXXX XXXX XXXX , as of ( XX/XX/XXXX ) -Request for Name and Title Change. -Payment of XXXX where was monies applied too? -Detailed payment history dates from : XX/XX/XXXX to Present https : //rapidfunds.com/homeowners-keep-winning-against-phh-corporation/ " settledfor {$17.00} XXXX with both PHH and XXXX paying over alleged kickbacks for title services. PHH is a subsidiary of Ocwen, a publicly traded financial company that provides residential and commercial mortgage servicing and debt collection services. According to news reports about the first settlement, the agreement was reached with 49 state attorney generals and 45 state mortgage regulators for practices reached between XX/XX/XXXX to XX/XX/XXXX. Among the allegations stated in the lawsuit PHH *threatened homeowners with foreclosure, did not keep accurate documentation, did not apply payments accurately to certain borrowers, did not adequately process borrowers applications for loan modifications. PHH was also required to pay {$30.00} XXXX to homeowners who lost their homes in foreclosure. Eligible claimants are can applyhere. ''
Company Response:
State: CA
Zip: 93245
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A