Date Received: 2019-10-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PHH Mortgage reported to XXXX that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. I called PHH to ask them to correct the error and they said they would have to look into it. I need this put back on my credit report and the XXXX point drop in my score fixed as I need to purchase my car and the credit score of XXXX from XXXX is affecting the loan.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was recently transferred ( XXXX/2019 ) to PHH which is now attempting to place me in foreclosure. Not only is the loan amount incorrect they are claiming {$50.00} in collected interest which is incorrect by approximately {$15000.00}. in addition my loan balance is incorrect by nearly {$55000.00}. I have end of year statements from OCWEN ( the original lender ) which PHH has completely ignored. I have attempted to contact PHH for statements concerning my loans and after more than a dozen phone calls and requests I was finally faxed a W-2. The W-2 is incorrect not only in the amount owed, but in the interest paid. I am in the process of a short sale and PHH has not provided any documentation at this point. I have spoken to countless agents all of which have provided differing loan amounts and payment requirements. I am XXXX years old and a real estate agent and have never seen such blatant fraud and incompetence. I am fearful that their inability to even provide an accurate statement could cost me my home.
Company Response:
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan with Ocwen was transferred to PHH Mortgage. Their loan servicing website is called ( strangely ), " mortgagequestions.com ''. I was able to log into this website in the past, although it was very bad and hardly functional ; the registration process was full of errors and took me months of work with PHH just to get my account working. Now, for the past several months, the website has been inaccessible due to a bad security certificate. Any web browser will give a message like this one and block access to PHH 's " mortgagequestions '' website : " Attackers might be trying to steal your information from www.mortgagequestions.com ( for example, passwords, messages, or credit cards ). Learn more NET : :ERR_CERT_AUTHORITY_INVALID '' In case you're thinking this is a user error, please note that I have a XXXX. in XXXX XXXX and used to work at XXXX as a XXXX XXXX. The problem is the website, not me. Please require PHH to hire an IT team to bring their website online again so I can check on my mortgage balance, make payments, etc etc. I don't think it's acceptable for a servicing company 's website to be inaccessible for many months in a row. And of course, I don't have a choice here as to who services my loan, so I have zero leverage with this terrible company.
Company Response:
State: WA
Zip: 98008
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please see the complaint attached along with written request dated XX/XX/2019 to PHH and supporting documents.
Company Response:
State: WA
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: 2019-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Around XX/XX/XXXX I notified Ocwen Mortgage of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department of Veterans Affairs and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the Ocwen Mortgage reappeared on my XXXX credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. XXXX responded with Ocwen said it was a factual debt. I have fought with Ocwen over this mortgage and all the XXXX day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX XXXX credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I sent my delinquent mortgage payment to XXXX XXXX mortgage in the amount {$2600.00} my check was returned by XXXX XXXX and they have set a mortgage foreclosure sale date for XXXX XXXX, 2019. I have sent a request to the mortgage company for a mortgage modification to save my home and stop the foreclosure sale. Letter received from foreclosure attorney was dated XX/XX/2019 and I did not receive the letter until XX/XX/ 2019, 30 days notice was not received before sale date. Researched on the computer Tennessee code says I'm suppose to receive notice at least 30 business days before foreclosure sale. My mortgage company has changed a lot of times but I have not received papers stating who owns my mortgage or if the servicing was assigned to a new owner of my mortgage.
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Ocwen Loan Servicing, and XXXX have wrongful foreclosed on me and harassed me since XXXX. I have written CFPB several times about these companies and XXXX doesn't reply due similar allegations with other lawsuits they were fighting at that time. But now however they did respond back to the Alabama Attorney Office for the same complaint I had written to CFPB. Today XX/XX/XXXX I was served with notice to move out immediately and I'm going to comply. But for the record, I want them to know, the world needs to know they are doing the same under handed things they being doing, which causing them all to be suited several times and they still having learned anything. XXXX IS NOT SLEEP AND XXXX XXXX, OCWEN, XXXX HAVE ALREADY BEEN DEFEATED, IN XXXX NAME! I will get my settlement from them. Somebody is going to hear me, because I have young children in my house. They received the proof from my insurance company and have spoken with them. I have the deeds to my home! I did a mortgage modification in XXXX and they are not saying anything about, almost like them have pushed under the table ... .why.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A