Date Received: 2019-10-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I submitted a complaint against PHH Mortgage and XXXX C/o PHH Mortgage in XX/XX/2019. They responded that they are not the appropriate company to answer the complaint. Stated that the complaint does not belong to them. Complaint ID - XXXX. Company responded the complaint does not belong to them on XX/XX/2019 The company responded that they are not the appropriate company to address your issue. Sent to company on XX/XX/2019 We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. NOTE : They are the correct companies. Phh Mortgage out of XX/XX/XXXX. XXXX, NJ and XXXX c/o PHH Mortgages Services, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX. XXXX, NJ XXXX.
Company Response: Company believes complaint is the result of an isolated error
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have got a horrible run around from PHH mortgage, they have taken XXXX dollars from me in modifications but when it comes to the final modification documents they deny it every time. The house is scheduled for foreclosure on XXXX and I have been nothing but scammed by this company. I need to do whatever I can or get whatever help I need to stop this. PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX
Company Response:
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage took over servicing from Ocwen approximately six months ago and I have never ( 1 ) received a statement and an ( 2 ) escrow statement reflecting a current breakdown of principal, interest, insurance, and taxes. Furthermore, online payments have been setup since inception of the loan ( serviced through XXXX, XXXX and Ocwen ) and every month since PHH has taken over servicing they have canceled my online payment profile. Correspondence sent alerting me of this cancellation has indicated that I am in bankruptcy, which is completely inaccurate. One letter states, " per my request, direct payments have been discontinued. '' This too is 100 % false and inaccurate. PHH has also rejected one online payment without reason. I was under the impression that it was " declined '' when, in fact, the bank account had more than sufficient funds. I was then forced to submit an online payment in order to avoid late fees. As far as I can tell, no fees were charged despite the warning that one-time online payments are subject to fees. What is more interesting, this online payment was accepted whereas past online payments with the exact same banking information were being cancelled every month, for reasons described above. It is not clear why they could accept this method of online payment but reject the payment when it was setup for monthly payments.
Company Response:
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/XXXX, husband and wife applied for a joint mortgage with Ocwen/Homeward. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, PHH took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted XXXX and PHH to no avail. PHH confirmed that the quit claim was signed in XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with XXXX.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. Sometime between XX/XX/XXXX and XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. Now Ocwen has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. Sometime between XX/XX/XXXXand XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. Now Ocwen has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. Both XX/XX/XXXX and XX/XX/XXXX are wrong. But, specifically XX/XX/XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently refinanced my home from PHH Mortgage. According to PHH Mortgage I was to receive a refund within 2-3 business days of the note being paid off. That check cleared on XXXX. I have contacted PHH again and they are stating they have requested a copy of deed from the town and they have not received. They further stated the refund can take up to 90 days. Just because I have had numerous issues with this bank I am inquiring if this is legal. Thank you!
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Deed was transferred XX/XX/XXXX to Ocwen with no Escrow. In XX/XX/XXXX when my Property taxes come out Ocwen when and paid them. I never signed any kind of papers for them to do this. I have never had a home loan with and escrow account for the 35 years in have been in this home. And never missed a payment. My house payment triples by them doing this. It went from XXXX to XXXX. I kept paying my regular payment for 4 months and it was getting me no where. I stopped paying them. They refuse to do a loan modification. Sent papers they ask for and they would tell you they never received them. I has been a night mare since. They now want to foreclose on me for the 3rd time. I need this stopped. I has been a 4 year battle from XXXX. In beginning of XXXX my loan was transferred to PHH nothing changed. They are very good about taking your money and holding it. Than charge late fees. They add fees for sitting in front of your house to take pictures on a monthly bases. These people can not be trusted they just want your house. They will not do any loan modifications. Account # XXXX
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: THIS IS THE THIRD COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ ~~~ou have not AGAIN addressed EVERYTHING in my complaint. The mortgage company came back to XXXX after Bankruptcy was SETTLED ( FORCED BANKRUPTCY BECAUSE THEY REFUSED TO TAKE TWO LATE PAYMENTS ) and said " oops, we just found XXXX MORE that you owe. I have since done more digging and this in not allowed. Ocwen should have done ALL their work prior to, and not added debt they just didn't 'find ' soon enough. That was one issue I brought up TWICE now, that is always ignored. Then the other issue that is ignored, is that just a few months ago the payment amount PHH is asking for monthly went up. It is Not supposed to have gone up more with you. We are at the end of our arm interest rate. Nor did PHH send any information to the attorney explaining anything ( I checked with them ). My payment will remain XXXX ( which is what is on my last attorney letter ). There has been no explaination and PHH is not following bankruptcy rules by going through attorney. As far as the 'inconvenience ' of not getting information on OUR OWN account, it has been BEYOND unreasonable. First, we have been communicating with Ocwen for all these years Since it happened, and Suddenly this summer, no one can give us info. THEN when lawyers DO send " required '' signed documents, PHH, Never can find them. So they have been resent multiple times ( delaying communication for months ... .very convenient for PHH ) ~~~ Nothing is settled until all issues are addressed and I see in writing HERE, where there is a record, How TO GET FEES REIMBURSED, AGREEMENT THAT PMT IS NOT RISING, ADJUSTMENT TO LOWER, because I got the property taxes lowered. AND ADDRESS THE ADDITIONAL XXXX added to bankruptcy AFTER THE FACT The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and BBB to make PHH adhere. PHH can not arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Aloha,CFPB,Iamcomplainingaboutthe2loanservicers,thefirstOcwenLoanServicing,LLCwhotransferredmyloantothesecondservices,PHHMortgageinXX/XX/XXXX.InadditiontothelawfirmXXXXXXXX,XXXX,whodidnotdotheirduediligencebeforefilingtheforeclosureaction. InXX/XX/XXXX,IwasapplyingfortheHAMPloanmodificationaftercompletingpaymentsontheHomeAffordableUnemploymentProgramForbearancePlan.Foroverayear,Iwastoldtheyweremissingdocuments,thatIhadalreadysent;deniedaloanmodification,evenafteraHUDcounselorwhoreviewedmyfinancialsstated,Idoqualify.Then,Iappealedthedenial;theyresearchedandaskedmetoreapply3moretimesandstillnoloanmodificationwasoffered,(NotuntilXX/XX/XXXX,whileinforeclosure).Thesecompaniesarenotonthesamepage.Theyviolatedfederaldualtrackinglaw. OnXX/XX/XXXX,whilestillintheprocessofreapplyingforaloanmodification,XXXXXXXX,XXXXPlaintiffscounselfiledaComplaintforforeclosureonbehalfofXXXXXXXXXXXXXXXXXXXX,asTrusteeFortheRegisteredHoldersofXXXXXXXXXXXXXXXXXXXXXXXX AfewdaysbeforeIwasservedtheComplaint,theXXXXXXXXSettlementfrozeallforeclosuresbecauseOcwendidnotcomplywiththeirstandards,howeverPlaintiffcounselwentforwardwithfilingtheforeclosure. Irecently,appliedforaloanmodificationwithnewservices,PHHMortgages,whileinasettlementnegotiationwithPlaintiffscounsel.PHHMortgagesdeniedmyapplicationinXX/XX/XXXX.IappealedinXX/XX/XXXXandrecentlywassentaletterstatingthattheycannotoffermealoanmodification. IamscheduledtodefendmyselfandpreventthePlaintifffromtakingmyhomeintheMotionforSummaryJudgementHearingonXX/XX/XXXX. IaskthattheCFPBlookintothesecompanieswhoatinvolvedindeceptivebehaviorandmisconductandfrivolousfilingsanddramaticallyaffectingmanyhomeownersacrossthecountry. Mahalo,XXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A