Date Received: 2019-09-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I used online bill pay to send {$100000.00} to my HELOC to pay down the balance. I didn't realize my bank ( XXXX ) had moved it's servicing business away from PHH and the funds were not credited to my HELOC account. I called during the week XX/XX/XXXX to retrieve the funds. I have been calling 2-3x per week since then. I have submitted proof of payment to PHH but PHH are not returning my funds. PHH claims they sent the money back to XXXX but are refusing to provide proof of payment. I have called more than 10x to try and get my {$100000.00} back but am always told that PHH needs to find out what happened with the cash department and get back to me. They never do. These are the people I have spoken to at PHH : ( XXXX ) XXXX XXXX XXXX extension XXXX XXXX exension XXXX XXXX - ( don't have extension ) https : //www.phhmortgage.com/
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This home was sold in XXXX of XXXX.. in XXXX of XXXX while in the process of purchasing a new home we saw that Ocwen was reporting late payments on the account which was incorrect..While they where researching the account someone at Ocwen entered some wrong information into my credit report stating that the account was still open and delinquent!!! Well our new loan was denied and we almost didnt get the loan for the new house ... Well we finally got Ocwen to enter the correct info regarding the loan being closed and sold, but they never removed the delinquent payments on the credit report.. I have submitted several disputes for them to correct this info, but they have not corrected this info yet.. Once again there were never any late or delinquent payments on this account!
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a loan with Ocwen mortgage company. On my statement is says I owe them {$6800.00}. I went to their website to pull a payoff statement. I tried a few times but their system was to working. I wanted to pay this off so to be safe I sent them a payment for {$6800.00}. I called the company today and they said they out the payment on hold ( and it is still on hold ) because it was more than the statement said. I asked why they did not pay the loan of and send me a small refund? Their representative could not really speak to it. I then said the statement still is the same pay it off today and send me a small refund. He stated that is against their policies. Now they are sending it to the payoff department to see what they can do. I am not going to be paying another 11+ days of interest because Ocwen could not simply apply my payment that I overpaid. I thought this would be a very easy process and it seems that is not the case. I did tell them I did this exact same thing past year with Ocwen as well and the process went exactly how I hoped it would go this time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: go to page 4 on XXXX to view all of the Exhibits for this Complaint. BANK FRAUD COMPLAINT EMERGENCY MOTION TO STOP AND ARREST THE LAWYERS AND BANK FOR BANK FRAUD AND ILLEGAL EVICTION WITH NEWLY DISCOVERED EVIDENCE. AND FRAUD This is total Fraud, XXXX and XXXXXXXX XXXX is breaking all Laws to take our property because I as XXXX for Trump have been treated bad with XXXX MEGA Discrimination because of me helping Republicans from BUSH, XXXX TO TRUMP. Newly discovered evidence and fraud, XX/XX/XXXX, we went to the XXXX County records Department because all Mortgage Notes are Required to be Recorded with Original Signatures F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) exh. A. and. We discovered that the XXXX XXXX NOTE has absolutely no signatures of the so called buyer ( XXXX XXXX ) on Note as Required by F.S. 695.26 ( 1 ) ( a ), which caused me to search the whole record to discover that All Buyers ( XXXX XXXX ) SIGNATURES and INTIALS are all Blacked Out and the blacked out signature as shown on XXXX # 1 showing XXXX County Clerk XXXX XXXX XXXX XXXX behind Clerks desk behind protective glass. Shes on video after red stamping and putting my payment receipt on the Certified so called XXXX XXXX showing Mortgage Note on Camera, video shows blacked out initials on XXXX Note. And two managers of the Clerks office saying theres no way this Note should have been put on Recorded without the Signature, XXXX and I recorded this all on docket for XXXX XXXX theres no signed Mortgage, Promissory or Prepayment Rider Recorded in XXXX County . go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg1 go to page 4 on XXXX to view all of the Exhibits for this Complaint. There is no lost Note count in XXXX XXXX Complaint and XXXX is not listed in the Note as Nominee or anything at all, exh. A. Which is why they did a Fake Mortgage Writ of possession attached to back. Assignment which included the Promiss ory Note as stated on the bottom of the Assigned note from XXXX XXXX to XXXX exh. C., signed by the Vice President of XXXX ( XXXX XXXX ) the same lady who on the exact same date she signed a fake Allonge to another Bank called XXXX XXXX XXXX, illegal see exhibit CC 1-5 you cant sell a Note to two different entities especially on the same date and did not record the assignment until XXXX 1 year and 5 months after sale which makes the note void according to F.S. exh. C. Allowing an unsigned Mortgage Note to be Recorded in Florida which is a Felony, F.S. 817.2341 and 775.082, 775.083 and 775.084. And are all forgeries that can almost be seen under the blacked out ink when comparing that signature to the other signatures of the other notes with the correct signature see the Plaintiffs XXXX Recorded Note shows Note has a wrong forged signature that you can see under the blacked out signature, exh. A. This is the Correct XXXX XXXX real signature from the other note from real Recorded Note of XXXX XXXX other property. From a real Closings, see pgs. 16 and 20 of, exh. B1 and B2. And XXXX XXXX XXXX was sued by XXXX XXXX XXXX XXXX Because of money given but no Note, exh. F1, F2, F3,. And no valid Warranty Deed because XXXX XXXX was not there and did not sign the Warranty Deed, exh. G. One of the owners of the home XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was not at the closing, see affidavit exb. H. and XXXX XXXX did not sign anything as it APPEARED on the fake Warrenty Deed, exh.G. See XXXX XXXX real signature on drivers license, exh. H2. Someone illegally signed for XXXX XXXX. See Affidavit from XXXX XXXX another owner saying that he ( XXXX ) was their at the Angry wiped out non closing and witnessed that XXXX XXXX, XXXX XXXX, XXXX XXXX nor did XXXX XXXX show up to the closing and the Warranty Deed was not signed, see exh. L. Affidavit from XXXX XXXX stateing that he was not at the closing so there was no Legal Warranty filed on the Record! So payments continued to Bank, exh. S1, S2, S3. and then XXXX XXXX XXXX XXXX. XXXX XXXX. wrote and said make all payments to XXXX XXXX XXXX, exh. T. And Payments were made on time even six months after XXXX XXXX Foreclosure was started XX/XX/XXXX, exh. M. See receipts showing payments XX/XX/XXXX to XX/XX/XXXX 4 months after XXXX XXXX foreclosure started exh. K1, K2, K3, K4. And unknown Bank. XXXX XXXX Lis Pendance date filed with no Due Process Notice to us, see page 11 of XXXX Docket exh. O. This filed while Payments were still being made and on TIME, exh. 5. And notice the Note blacked out the Loan Number so that you could not check it, exh. A. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg2 go to page 4 on XXXX to view all of the Exhibits for this Complaint. THERE IS ABSOLUTELY NO XXXX NOTE AT ALL A. ) Because XXXX XXXX did not go to the Closing and did not sign the Notes to XXXX BANK, so then the Note was never Assigned to MERS, exh.C. 2 B. ) Assignment must be recorded within 30 days F.S. 494.0075 3. ( 3 ) our Assignment WAS RECORDED 1 YEAR AND 5 MONTHS AFTER THE SALE/CLOSING, The Assignment conveyed, sold and signed XX/XX/XXXX Recorded XX/XX/XXXX, exh. C. C. ) Because MERS never got a Legal Assignment from XXXX XXXX because there was no XXXX XXXX Mortgage Note that existed. So XXXX did not Assign the Mortgage Note to XXXX XXXX. Which shows that this EVICTION is ILLEGAL THEFT OF THIS PROPERTY, we actually have no rights to own property. heres more proof. D. ) If Mortgage Note is not recorded by 1 year the Mortgage Note is void. This Note was never signed and never Recorded with XXXX XXXX signature from XX/XX/XXXX until today so Mortgage Note is void. And in violation of F.S. 695.01. and see : Exh. A. E. ) The Mortgage Note has a space in the right corner of Mortgage Note for the preparer of the Note where the name and post-office address of the natural person who prepared the instrument or under whose supervision it was prepared are legibly printed, typewritten, or stamped upon such instrument ; this Note is void. And in violation of F.S. 695.26 ( 1 ) ( b ). F. ) And then the Note was Conveyed illegally by XXXX XXXX to XXXX XXXX XXXX XXXX ( XXXX ) with no thirty day or any notice As required by Florida which renders Note unenforceable and void. F.S. 701.02 ( 1 ) ( 2 ) ( 3 ). Notice requirement - The borrower must be giving 15-30 days notice before note is sold or assigned to another entity. ( RESPA Law 12 U.S. CODE 2605 ) the Mortgage Note signed XX/XX/XXXX and the Assignment was on the same day of Sale without required Notice also in the original fraudulent mortgage note PAGE 11 number 20 states that the sale of note or change of services the borrow must be given notice according to RESPA law which is 15 to 30 days. But the fraudulent Assignment was signed XXXX. XXXX XXXX, exh. C. the same day as the fraudulent closing, written on the front page of the Mortgage Note, exh. A. which makes this Assignment void.F.S. 701.02 ( 1 ) ( 2 ) ( 3 ). G. ) Assignments must be recorded with in 30 days according to Florida STATUTE 494.0075. 3 ( 2 ) ( 3 ). This Assignment was recorded two years after sale was illegally signed, exh. C. this Assignment is totally void. H. ) If Assignment is not recorded by 1 year the Assignment is void according to Florida Statute 695.01. The Assignment was signed and notarized XXXX XXXX XXXX but was recorded XX/XX/XXXX, one year and 5 months later. Exh. C. I. ) ( Mclean v. JPMorgan ) says you cant foreclose before you own the Note! The Assignment from XXXX to XXXX XXXX is Void because assignment was made after foreclosure started XX/XX/XXXX, exh. M. and the XXXX Assignment to XXXX XXXX was XX/XX/XXXX, exh. N. and ( Mclean v. JPMorgan ). SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! ILLEGAL FAKE NOTARY PUBLIC VOIDS OWNERSHIP ON MORTGAGE NOTE go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg3 go to page 4 on XXXX to view all of the Exhibits for this Complaint. The Notary on the Mortgage Note is a VOID. The Notary stamp must contain commission or ID number, to identify the person if needed to varify or in court, ( Our Mortgage Note for XXXX address has no commission or ID number thats at all Legible to hide their thievery see page 15 of the MORTGAGE Note of Record. in violation of F.S. 117.05 ( 3 ) ( A ) and F.S. 695.26 ( 1 ). This Mortgage Note does not have proof of identity of signer as required in violation of F.S. 117.05 # ( 5 ) and ( 5 ) ( a ) see exh. C. page 2. at middle of the paper. The Notaries name must be printed under their signature, on XXXX Mortgage Note there is no printed name under the Notary Public signature in violation of the fake Assignment to XXXX. Is void of see exh. C. Page 2. F.S. 695.26 ( 1 ) ( D ) ( E ). New Jersey notary stamp rules is the same as Florida rules, the New Jersey notary of XXXX looks totally different from the Fraudulent one on our Mortgage note, exh. P. and C. The State of New Jersey Notary stamp on our mortgage assignment is a COMEPLETLY MADE UP FRAUD! Exh. C. page 2. and is a punishable felony, s.775.082 775.083 or S.715.84. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! ILLEGAL FAKE NOTARY PUBLIC VOIDS OWNERSHIP ON MORTGAGE ASSIGNMENT Must have at least one witness. There is no with witness on our Mortgage Assignment in violation of, F.S. 117.05 ( b ) 1.a.b.c.d.e. see exh. C. page 2. the Assignment is void. The Notary on the Assignment is a fake. The Notary stamp must contain commission or ID number, to identify the person if needed to verify or in court, ( Our Mortgage Note for XXXX address has no commission or ID number to hide their thievery in violation of F.S. 117.05 ( 3 ) ( A ) and F.S. 695.26 ( 1 ). see exh. C. PAGE 2. The name of each person who executed such instrument is legibly printed, type written, or stamped upon such instrument immediately beneath the signature of such person and the post-office address of each such person is legibly printed, typewritten, or stamped upon such instrument in violation of F.S. 695.01 ( 1 ) AND F.S. 695.26 ( 1 ) ( a ) and F.S. 494. 0075 ( 5 ) and F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) exh. A. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg4 go to page 4 on XXXX to view all of the Exhibits for this Complaint. NEVER BEHIND ON PAYMENTS We were making payments to XXXX XXXX see : exh. S1 - S3, what was the XXXX XXXX Mortgage Note because the buyer XXXX XXXX from seller XXXX XXXX closing did not happen and then XXXX XXXX Transferred the Note to XXXX XXXX XXXX, exh. J. We made payments to XXXX XXXX XXXX exh. K1 - K5. We were making those payments far after XXXX XXXX filed the no Due Process of Services Notice Foreclosure h up until they got the Default Judgement against us we paid XXXX, exh. S1 - S3 then the new bank XXXX XXXX some how stop taking our on time Payments And refused to take payments from us after they secretly got a j. And now this new Bank who have harassed us, helped sink my boat in my back yard, XXXX # 10 A. and broke into my house and stole from us, see police report exh. Y. And now this Fraudulent XXXX XXXX is now Evicting us from the house exh. G. with the help of the Clerk of the Courts. See video of Clerks have allowed unsigned Notes like ours to be illegally recorded and then banks foreclose on u with no Note even if you are paying on time with the help of the judge who without seeing the Note that is Completely FRAUDULENT Blacked out signatures from the XXXX County Records Dept. WOW XXXX at the top of the web site # AA. and AB.. They must be stopped!!!! this EVICTION IS ILLEGAL AND I JUST REPORTED TO THE FTC TO PRESIDENT TRUMPS NEW BANK FRAUD TASK FORCE!!! SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! HISTORY OF THIS FRAUD AND HOW THEY DID IT! The property was quit claimed by owner XXXX XXXX over to XXXX XXXX, XXXX XXXX and to himself ( XXXX XXXX ) XX/XX/XXXX, exh. D1. We had a lease with an option to buy for XXXX a month, exh. E. All. before XXXX XXXX Fraudulently Recorded an unsigned blacked out Mortgage Note exh. A. And before the so called sale to XXXX XXXX, and XXXX XXXX, XXXX XXXX and XXXX XXXX quit claimed it over to XXXX XXXX and XXXX XXXX XX/XX/XXXX, exh. D2. Then XXXX XXXX quit claimed it solely to XXXX XXXX XX/XX/XXXX, exh. D3. .XXXX XXXX then Quit claimed it back to himself, XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, exh.D4. And XXXX XXXX, XXXX XXXX and XXXX XXXX quit claimed it to XXXX XXXX, exh. D5. lastly XXXX XXXX quit it to XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, .exh. D6. There was supposed to be a Sale Closing on the house but XXXX XXXX did not show up and XXXX XXXX did not show up because he quit Claimed the property before the so called closing date and could not be found. After arguing. XXXX XXXX and XXXX XXXX did not sign the Notes and the closing Docs, but somehow the title company or some one kept the money. The Proof of this is Attorney Title Insurance Fund ( ATIF ) sued XXXX XXXX XXXX XXXX who was supposed to do the closing on the house. ATIF Accused them of keeping the money from the closing that did not happen with XXXX XXXX, exh FI `- F6. WHICH WAS SOMEHOW RESOLVED between XXXX XXXX and Title Insurance Company, see exh. F1. & F2. On the same day of XXXX XXXX, XXXX, and a letter had came to tell us that they would not be accepting payments from us to our former bank and that it would be going to XXXX XXXX XXXX and we were making the payments to XXXX XXXX and then three months later XXXX XXXX filed a foreclosure against us that we didnt know they had filed which is no Due Process and then suddenly XXXX XXXX sent a payment money back to us and then told us that they would not be accepting payments from us anymore because they were foreclosing on us but we were paying XXXX and XXXX XXXX XXXX and we replied to them to prove their dept. exh. Z. We had no idea who XXXX XXXX was and that they were foreclosing on us, we found out Deutsche bank was assigned the note by MERS exh. H. and without Noticing the buyer as required by RESPA 12 U.S. CODE 2605 and According to F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) and also in the original fraudulent mortgage note PAGE 11 number 20 which states that the sale of the note or change of servicer the borrow must be given notice according to RESPA law 15 to 30 days Florida Statute XXXX got the Note from XXXX XXXX but XXXX never had a closing with XXXX XXXX. Notice requirement - The borrower must be giving 15-30 days notice before note is sold or assigned to another entity. ( RESPA Law 12 U.S. CODE 2605 ), F.S 701.02 ( 1 ) and also in the original fraudulent mortgage note PAGE 11 number 20 states that the sale of note or change of services the borrow must be given notice according to RESPA law which is 15 to 30 days. But the fraudulent Assignment was signed XXXX XXXX XXXX, exh. C. the same day as the fraudulent closing, written on the front page of the Mortgage Assignment, exh. C. which makes this Assignment void. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg5 THIS MORTGAGE NOTE IS FRAUD Fraud because in # 20 OF The mortgage Note it says in accordance with RESPA Disclosure after settlement law they must give buyer 15 days before selling the Note. But their saying they sold assigned Note the same day as settlement which voids out Assignment F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) .THE MORTGAGE NOTE HAS NO SIGNATURES WHICH IS ALSO CLERK FRAUD. F.S. 701.04 YOU MUST RECORD ASSIGNMENT WITH 60 DAYS, our Assignment was signed XXXX XXXX, XXXX but recorded XX/XX/XXXX = Void their is no address or Legal description on the Note. SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives! Law Enforcement must immediately take jurisdiction of this matter and enter and arrest them! And cancel the foreclosure Eviction and stop the ILLEGAL EVICTION and SET ASIDE TITLE! Respectfully submitted this XXXX day of XXXX, XXXX go to page 4 on XXXX to view all of the Exhibits for this Complaint. pg6
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were paying off our mortgages ( we had a 1st and 2nd mortgage ). The payment was sent and accepted on XX/XX/2019. Payment was posted to the 2nd mortgage on XX/XX/19, but for some reason the other funds were " misplaced '' at PHH Mortgage. We did not realize this until we received a call stating we were 15 days late on our mortgage payment. We explained that couldn't be as we paid it off before it was due. They politely said thank you and that was that. We thought it was a bit weird that we even got the call, as the transaction had happened two weeks prior. We decided to check online. That is when much to my dismay we discovered the loan had not been paid off. We called, and after several minutes of waiting finally got to talked to a customer service rep, XXXX, he kindly stated I am sorry, but we do not show the funds were received. He asked if we could send proof that it was sent. I in turn called my bank to get actual payment date info. I then called back and waited several more minutes before customer service rep XXXX came on the line. We explain when the bank sent the money and if she would check, she would see the other loan had been paid in full. Several things were needed so we asked if our bank could call and talk to them as we did not want to be the in-between person, they could fault for relaying something wrong. On XX/XX/XXXX our bank called PHH and also sent verification that the funds were sent and confirmation that the fund were received. But no result was returned. And no reply to the bank if the payment was ever found and applied to the loan, as XXXX XXXX XXXX ( intermediary bank ) had not received the funds back or any information from PHH regarding this. They sent in a service request and after a week. After several calls the wire was released back to our bank. The funds were received by our bank ( XXXX XXXX XXXX ) on XX/XX/2019. Our concern now was that is was coming up on 30 days past our payment date and our credit would be affected. Finally on XX/XX/19 we call PHH again, and asked for a supervisor. We wanted the rep to know they didn't do anything wrong, but really wanted to get something done and soon. After waiting we finally talked to a supervisor ( XXXX, who said he was XXXX ). Anyway we explained what was going on and time space we were looking at. He requested proof again, even though we stated it had already been sent. He gave us an escalation department number to have our bank call because they told them it would be up to ten business days to get a payoff. After our bank finally talked to them they agreed if payment was sent on XX/XX/19, they would be sure to post it right away, but they refused to backdate the interest to XX/XX/19. We were basically forced to pay an additional {$480.00} of interest. We don't think this is right. What did they do with the funds for a whole month? We have attached documents that were sent to PHH, along with a letter that we wrote to them as well. Thank you
Company Response:
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was served Execution for Ejectment papers on about XX/XX/XXXX, the papers stated that the authorities would be at my house to move my belongings out on XX/XX/XXXX. I went to the Courthouse and filed for a motion to stay. At that time, the judge granted me the stay, after I explained I had applied for a mortgage modification. The judge then asked the attorney representing PHH Mortgage Services, roughly how long does it take to get a decision on the modification, the attorney said 15 to 45 days. It was at that point she granted my stay until XX/XX/XXXX. Since that time I have been going back and fourth between the attorney and the mortgage company trying to get a rescission on the completed foreclosure. PHH wont review the modification application, because it states that the foreclosure is completed. When I ask PHH to consider doing a rescission, I was told that I would have to contact the attorney for that to be considered. When I finally got in touch with attorney asked them to consider doing it, they said they would have to get those instructions from PHH.
Company Response:
State: CT
Zip: 06604
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I HAVE BEEN TRYING TO RESOLVE THIS ISSUE SINCE XX/XX/2018, WHEN OCWEAN SET UP MY LOAN MODIFICATION. AFTER PHH TOOK OVER EVERYTHING WENT FROM BAD TO WORST. I RECENTLY RECEIVED A LETTER IN THE MAIL, AS DID MY HUSBAND, WE RESPONDED THE SAME DAY, WE MOST DEFINITALY WANTED A FACE TO FACE TO FINALLY STRAIGHTEN THIS ALL OUT. WE HEARD NOTHING BACK, CALLED ESCALLED IT TWICE AND STILL NOTHING. THIS WEEKEND WE RECEIVED A FORECLOSURE NOTICE AND THE POSTMAN LEFT A NOTICE TO PICKUP MAIL AT THE POST OFFICE, MY HUSBAND WENT TODAY AND IT WAS TWO MORE LETTERS TO SET UP A FACE TO FACE. I CALLED, PN HOLD 34 MINUTES THEN THE LINE HUNG UP, CALLED BACK, THE NME ON THE LETTERS AND THE EXTENTION WERE NOT RECOGNIZED BY THE SYSTEM. I WAS UNABLE TO GET THROUGH TO AN OPERATOR BECAUSE HER BOX WAS FULL?? I AM SO IRRATED BY THIS WHOLE THING AND DESPERATLY NEED TO HAVE SOME INTERVENTION.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. XXXX XXXX and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I do not understand how my mortgage payoff is {$100000.00} more than the original loan amount
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We requested a loan modification last year XX/XX/XXXX from Ocwen, in XX/XX/XXXX, when we completed the trial modification they stated they sent a form for us to sign and return, which we did not receive until after the date Ocwen had set for the deadline to return it. So the modification process was restarted but Ocwen transferred our loan to PHH. We made the trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and returned the required documentation by the deadline. We still have not received as of today any notification if it was approved. We made all payments through the website via XXXX XXXX throughout the trial process or on the phone. We have tried numerous times to make our XX/XX/XXXX payment the same way and the customer service representative states its not possible because our modification has not been approved yet. Finally on XX/XX/XXXX the website shows our suspense payments as applied, however first they shows applied to the principal, then reversed and in multiple transactions applied as {$990.00} in misc fees. The customer service representative finally says the modification was approved XX/XX/XXXX, but they don't know why we are not allowed to make our payments through XXXX XXXX as we always have done. We have had problems for years starting with GMAC and Ocwen, now PHH. We bought our home in XX/XX/XXXX for {$180000.00} now 15 years of payments later the principal balance is over {$200000.00} depending what documentation the mortgage company sends and a {$130000.00} balloon payment after we pay another 15 years! Not mention all the shuffling the mortgage companies and servicer 's have done over the years with bundling our mortgage in the trusts, we know and have proof that NO ONE COMPANY EVEN HAS LEGAL DOCUMENTATION or RIGHTS TO FORECLOSE! Every time we ask for Qualified Written Request they send a new falsified Corporate Assignment of Mortgage, the most recent is signed by XXXX XXXX XXXX, as the Assistant Vice President of XXXX XXXX XXXX, who is actually a attorney whose license was suspended by the Supreme Court of Pennsylvania in XX/XX/XXXX, and has a Law office in XXXX, Florida but is not eligible to practice law in Florida according to the Bar Association. Evidently he has continued his unethical practices by starting a side business of falsifying mortgage documents. We need someone that has some sense of ethics to help us out of this mess that has been made of the mortgage of our home through years and years of deceit by mortgage companies, servicer 's, attorneys. Today, now that our current servicer ( PHH ) has refused to accept our payment for XX/XX/XXXX by phone or XXXX XXXX, which is they way we have always paid, and state they now want us to mail a check so they can post it whenever, if ever, they decide to say it was received which now will be late, only because they " have not updated their system on the on modification approval. '' And all the funds we paid during the modification process were posted as misc fees rather than any money towards our principal.
Company Response:
State: KS
Zip: 66614
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A