Date Received: 2019-11-13
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: OCWEN LOAN SERVICING IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. OCWEN MUST NOTIFY XXXX REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Back in XX/XX/2019 I sent all requested documentation along with income documentation for the opportunity in obtain a loan modification. The documents were sent by certified mail to both the servicer PHH mortgage and XXXX XXXX XXXX, who forward the same information to PHH mortgage corporation as the servicer. The same information sent via email and fax. I then received a letter from PHH acknowledging the documents were in their possession. On XX/XX/2019 I received a letter from PHH indicating to send one most recent pay stub, On that day it was emailed and mailed again Certified mail to all parties. On XX/XX/2019 I called to Follow up and was informed that the request was denied, due to PHH indicated the images of the income were not clear. They denied and set a foreclosure date. I explained to them all the ways that the income was sent and that there must be a communication issue between their departments that needs to obtain these documents for review. Based on all the ways and from different places including their law firm there is no other way the documents can be sent. I ask to have the file escalated to a supervisor for review. Once speaking with the supervisor who after several request to pull up the previous emails that were sent with the same documents. The file was then sent to the underwriter for review. I requested them to postpone the sale date to allow the time for review and appeal if not agreed. Plus not to be charged for the cost of the scheduling of the sale date due to the communication breakdown in terminally at PHH. As the homeowner I have provided in a timely matter all requested documentation and followed up daily with no updates and it seems as if the representative are not informational as to the progress.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX. I have a mortgage loan with PHH Mortgage Loan # XXXX. I recently filed a consumer protection complaint against them under case # XXXX-XXXX and they responded XX/XX/XXXX. The issue with them is continuing to collect mortgage payments under my name by an unauthorized 3rd party who filed bankruptcy chapter XXXX on my debt lying to bankruptcy court listing debt as her own ( Ms. XXXX XXXX ) when the debt is solely mines. I am the purchaser of property at hand and already filed chapter XXXX bankruptcy with my debt being discharged. I requested my case be closed, my personal information stop being used by others, and all debt collection under my name and loan be ceased. However, debt is still being collect by bank from unauthorized 3rd party who has been late continuously under the bankruptcy plan. She lied to court she lives in property when it actual sits empty. I'm filing another complaint ahainst PHH in esponse to first complaint which they stated I may contact them and when I did, a representative refused to speak to me on my own debt because the case is under chapter XXXX with an attorney for this 3rd party unauthorized party. Ms. XXXX XXXX. This is unlawful I can not even speak on my own debt I acquired and the bank assigned a manager relation named XXXX XXXX which numbers provided in response are invalid. The resolution I'm requesting from PHH is to : 1. Clear me to speak on my own debt. I am not represented by an attorney and therefore, should be allowed to speak on my debt. The bank indicated in their response they obtained legal counsel to inquire how this property was obtained. I am responding to they inquiry. I purchased home in XXXX as a single woman. Worked all my life living in home for 14years. I had become terribly ill with ongoing health problems and in XX/XX/XXXX was hospitalized where Ms. XXXX XXXX, my cousin came with notary while I was on medication and had me sign my home so she can handle my affairs if I died. When I got out I asked her to sign home back.over while I lived in it continuing payments. However, she always wanted home but was never willing to work for one of her own and lied stating she spent {$20000.00} on upgrades not willing to produce one rreceipt for so called upgrades to rent house out for me. We had mediation with court mediator who told my cousin she can clearly see she is trying to take my home and any arbritrator could see that and she knows she's lying about spending {$20000.00} in this home she barely had signed over to her. My cousin then evicted me out the house with no place to go. I have never been homeless in my life until this dirt bag came along. Worked all my life until I became very sick and XXXX. I had money to pay her back for true amount she really spent on upgrades after I went to store XXXX XXXX and obtained receipt she only spent {$3000.00} but she continued to tell her same {$20000.00} lie to make sure I could not get my home back. The true place ms. XXXX spent {$20000.00} on is all her attorneys fighting to take and keep my home. During this time, I have had negative reportings on my credit because she pays late having to dispute negative credit reportings. I still have home owners insurance being bought on my behalf by bank. I'm still currently receiving billing statements every month when I already filled bankruptcy and my debt discharged. I think this is the most illegal thing I ever heard how bankruptcy court allowed a unuthorized 3rd party person to make payment arrangements on a debt that is not even legally theirs. I am once again asking PHH to stop and cease all payments and actions under my name. If they don't, I'm going to be searching for an attorney to bring a lawsuit so great against the bank and bankruptcy court for violation of my rights to privacy of my personal information and violation of my own bankruptcy. This is plan ridiculous!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had a conventional mortgage with XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX, I called XXXX XXXX to inquire about the cancellation of my PMI. On XX/XX/XXXX, my loan balance dropped below 78 percent of the original value of the secured property and I was current on my mortgage. The customer service representative told me that they were notified that my mortgage dropped below 78 % and they were processing the removal of my PMI. On XX/XX/XXXX, my mortgage payment withdrawn from my bank account included a fee for PMI. I called on XX/XX/XXXX to inquire about the reason for it not being removed. The customer service representative told me they would have to send me a letter to cancel PMI. On XX/XX/XXXX, I received a letter in the mail giving me 2 options to remove my PMI. In the letter, they state that my loan is current and I have received 0 30 or 60 day delinquencies. It also states that they acknowledge that my current loan to value is 77.60 %. Option 1 - Obtain a full appraisal ( appraiser picked by XXXX ) for a fee of {$520.00}. If the full appraisal comes in at {$180000.00}, they will cancel my PMI. Option 2 - Send in a principal curtailment of {$0.00} in order to reduce my current LTV to 80 % and pay {$120.00} for a certificate of value ( appraiser picked by XXXX ) Neither of these options were in accordance with the Homeowners Protection Act ( HPA ). The HPA requires a servicer to automatically terminate PMI for residential mortgage transactions on the date that : The principal balance of the mortgage is first scheduled to reach 78 percent of the original value of the secured property ( based solely on the initial amortization schedule in the case of a fixed rate loan or on the amortization schedule then in effect in the case of an adjustable rate loan, irrespective of the outstanding balance ) if the borrower is current. My loan is current and below 78 % of the original value. However, nobody at XXXX can explain to me why my PMI has not been cancelled other than to tell me I have to order an appraisal or get a certificate of value. Nobody can explain why they are not operating in accordance with the HPA or why my mortgage is not governed by the HPA.
Company Response:
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: First and foremost, I made a payment to XXXX XXXX on XX/XX/2019. The applied all of this payment to EXTRA PRINICIPAL. They did not divide the amounts into principal/interest and escrow. I have called them NUMEROUS times to advise them of this error. This payment was to be applied as a regular payment towards XXXX. It is now XX/XX/2019 and I still have not had this corrected, even though I have reached out many times. Second of all, I still feel that the escrow calculation the bank is using is incorrect. My real estate taxes and homeowners insurance total XXXX per a year. If you divide this by 12, the monthly amount should be XXXX. I currently have XXXX in my escrow account. So even if a cushion is required, I have enough. I want an escrow analysis to be rerun and my payment They are charging me XXXX return check fee, which is incorrect. I sent a money order to them, I should have no fees. A money order can not bounce and there was no stop payment. Please have my payment reapplied and remove my fee. I am not sure what this lender is doing.
Company Response:
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was affected by the XXXX XXXX XXXX in XX/XX/XXXX. I applied for and was approved for a forbearance plan under Ocwen in XX/XX/XXXX. My loan was transferred to PHH who was scheduled to service the loan on XX/XX/XXXX. On said date, I contacted PHH to make a payment and was told my loan didn't transfer over. After several calls through out XXXX, finally in XX/XX/XXXX, my loan was transferred and I was told I now owed for XXXX and XXXX, although I was originally told no payments were due for XXXX. I made two payments in XXXX to bring my loan current and was placed on a trial modification for 6 months, which I adhered to each and every month by calling and speaking with an agent to make payments. I was told in XX/XX/XXXX that closer to the end of trial modification, I would receive paperwork tht would provide options available to me to cure the three months that I was on the forbearance plan. I inquired about said paperwork in XXXX and XXXX and was informed that because the company is very far behind, that I would have to continue making payments as I have been doing so and they will get around to my file and send out said paperwork. On XX/XX/XXXX I received a Notice of intent foreclose, dated on XXXX XXXX, XXXX, and postmarked on XX/XX/XXXX. I immediately contacted PHH upon receipt of said notice and after hours and hours and several different supervisors and employees, I spoke with a supervisor of the escalations department and was was informed that I did not need to worry about the foreclosure paperwork as I had been paying as I should have under the trial modification, and that PHH would submit a request to have my account reviewed as they are very behind on mailing out the paperwork. On XX/XX/XXXX, I tried to make a payment as I had been doing so for the past 5 months and was told that they would not accept a payment as I had to bring the entire account current in order to accept a payment. I requested a supervisor and was told one would call me back, as of today, I am still waiting for a call back even after calling three more times since XX/XX/XXXX. Most recently, I called and requested to speak with someone for answers on XX/XX/XXXX and have yet to receive a resolution. I was informed that now that there is no modification on my account, although I received statements with modification trial payment listed. Again, I was placed on a trial modification plan, yet at the end of the trial plan, was given no alternative option to cure the outstanding balance other than pay an amount that is twice the amount of what it should be. I need help in getting this severe error with my account resolved as this is affecting me in every way possible.
Company Response:
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have the funds to pay my mortgage payment and want to pay it, but PHH Mortgage is blocking me from paying my mortgage payment in every way possible ( online, auto draft, and with a check by mail ). I was on the auto debit program for a long time. It worked well for me and my payment always posted on the first of the month. On XX/XX/2019, PHH sent me a letter stating that my mortgage was near payoff and that direct debit had been automatically cancelled for my account. This is an error. I have 12 years left to pay on my mortgage, with a balance of over {$36000.00}. I called PHH and reported the error. The agent said the issue would be investigated. After that, I never heard anything about the issue from PHH. The same agent said that, if I signed up for electronic statements, I would be able to pay my monthly mortgage payment online. I signed up for electronic statements in late XXXX, but when I try to pay online, the PHH online portal states : You can not make payments at this time. Please call XXXX. In late XXXX, I signed up for direct debit again. PHH sent me a letter stating that my monthly payment would be direct debited from my bank account beginning XX/XX/2019. However, PHH created a new online account portal in early XXXX. In the new portal, my bank account information has deleted from my account, and I am no longer signed up for direct debit. On XX/XX/2019, I mailed my XXXX mortgage payment to PHH from the U.S. Post Office in XXXX, Ohio. The check was for the total amount due for XXXX ( {$570.00} ). PHH will not cash this check, and as of XX/XX/2019, the funds have not been deducted from my bank account. I spoke to a PHH agent on XX/XX/2019. He stated that the check that I sent was in the amount of {$1.00}, and therefore my XXXX payment has not been paid. This is incorrect. Because PHH will not cash my check, my XXXX payment is now 11 days past due. Further, I am not able to see a copy of my check to verify the check amount, since PHH will not cash the check. If PHH would cash the check, I would be able to see a copy of the check in my online banking account. On XX/XX/2019, the PHH agent said that PHH was not deliberately blocking me from paying my mortgage. However, I do not think it is probable or likely that a mortgage company would inadvertently block someone from paying their mortgage payment in every way possible. I believe the probability of this happening is very small. Since it is not possible for me to pay my XXXX mortgage payment, even though I have been trying very hard to pay by auto debit, online and by mail, I believe that PHH is purposefully preventing me from paying my mortgage in an effort to collect late fees and additional interest. If the problem were to persist, I would enter into pre-foreclosure. If my XXXX payment had been paid on XX/XX/XXXX, as it should have been since I was supposed to be enrolled in the direct debit program, I would have accrued less interest for the month of XX/XX/2019. Since it is now XX/XX/2019, and my mortgage payment has not been posted ( and I am not optimistic that it will be posted in a timely fashion ), I have accrued additional interest for the month of XX/XX/2019. Finally, if the blocking of payments is a concerted effort on the part of PHH, I am concerned that this may be happening to other PHH customers, putting them in danger of foreclosure.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have submitted a complete loan modification application to PHH and PHH is still conducting a trustee sale ( XX/XX/2019 ) which is against California Homeowners Bill of Right - California Civil Code laws
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2019, we submitted an application for loan modification in anticipation that we would soon be struggling to pay the mortgage. As of this date, XX/XX/2019, the application is still being processed due to ongoing delays by the mortgage company PHH including claims of not having received proper documentation then retractions of those same claims. In addition, on XX/XX/2019 we were served with a complaint made in civil court by PHH 's attorneys seeking foreclosure of our property. The most recent correspondence received from PHH was dated XX/XX/2019 confirming, once again, that the modification package is being reviewed. We feel we have become victims of dualtracking.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX need to report Ocwen Loans transferred to another lender.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A