Date Received: 2019-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of this year, I knew I was getting very close to the 80 % LTV to terminate PMI payments on my mortgage. I contacted the servicer and filled out the form, made an additional {$11.00} payment in early XXXX to get to their requested value and paid a {$120.00} certification fee to have the PMI removed. I had two phone conversations that indicated that I had made the necessary steps. Nothing happened. In XXXX, I reached out to the servicer again. They indicated that I needed to submit the form again, which I did, but now two months later nothing has happened. I believe now that I am well below the 78 % LTV to require automatic termination of my PMI, yet nothing has happened to my claim since XXXX.
Company Response:
State: MI
Zip: 48390
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: On Saturday XXXX a man from a reality company came by asking if I knew my house was in foreclosure. I had no idea what was going on and this was the first I have heard of anything concerning default with the mortgage company. I was making payments to mortgage company Ocwen and then received letter from Ocwen that payments needed to be made to phh mortgage by check sent in the mail which I did. After the man left I looked into my bank account and phh has not been cashing checks, I have not received any documents from phh mortgage in any way shape or form. I have been totally blind sided by this and believe the mortgage company has created a hardship on my side. XX/XX/19 I have reached out to a hud approved foreclosure counselor for advice and am seeking Legal council.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Mortgage company is Phh service in XX/XX/2019 it was sold from Owens Mortgage I was on a modification program for 3 months paid trail period on time was told I would get my regular monthly payment 30 days before my trail period end which was XXXX I call several times before my trail period ended and was told to just make my regular payment I received my modification 3rd wk of XXXX already made my XXXX payments 1st wk of XXXX then I get different letter stating different amounts due XXXX statement said my escrow was short and I would have to pay XXXX more. Shouldn't they have know this when they sent my modification papers to be notarized and send back by the 4th wk in XXXX or given me more notice. Pls help me i call try to talk to my relationship manager several times before i received the escrow shortage notice never received call back
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am filing this complaint with the hopes that you can help us to clear up a previous lien, when in fact it is showing unsatisfied at the XXXX County Court House in XXXX, PA. In XXXX we acquired in Construction loan from XXXX XXXX. After the construction the loan was then rewritten as a mortgage loan with the same company but a different division called XXXX XXXX XXXX. It is our understanding that XXXX XXXX should have listed it as satisfied when it was turned over to XXXX XXXX XXXX. It is also my understanding that they both went out of business. Prior to them going out of business we received a letter stating that they were turning our loan over to Homecomings Financial. We paid Homecomings for many years until they sent a letter stating that Ocwen would now be taking over the loan. Approximately in XXXX, XXXX of XXXX we paid our mortgage off in full with Ocwen.. It wasn't until recently when we tried to sell a very small parcel of land to our neighbor that his lawyer informed us that there was an unsatisfied lean of {$83000.00} to XXXX XXXX from XXXX. This is very upsetting because as you know we paid the mortgage in full. We were told that XXXX XXXX and XXXX XXXX XXXX were based in New Jersey, which is where I believe Ocwen is based. I am asking that you research this and help us with this dilemma. Obviously we would never able to sale our home or leave it for our children with this lien showing unsatisfied. We are asking and hoping you can do something to help us. XXXX XXXX is the one still showing an unsatisfied lien when in fact they handed it off several times. Ocwen shows it was paid in full at the court house. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 157XX
Submitted Via: Web
Date Sent: 2019-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. In XX/XX/2019, my mortgage was sold from Ocwen to PHH Mortgage. 2. On XX/XX/2019, I had an automatic payment sent to Owen, 3. In XXXX, PHH said they did not receive the payment from Ocwen and said it will be a few weeks to a month before it is reflected in their system. To date, XX/XX/19 they still have no record of this payment. 4. My loan has also increased by {$150.00} without them informing me. I have sent payments towards my balance numerous times and PHH mortgage says it does not satisfy the loan requirements. Meanwhile, my " balance '' keeps increasing and there is a " Notice of Intent '' 5. PHH has asked me to fax in my grievance - which I have done so on XX/XX/XXXX, to date I have not received indication the matter has been looked in or resolved. Each customer service rep keeps saying the same thing over and over and nothing has been solved. They keep saying, " they are looking into it. '' Please review the XXXX reviews, PHH Mortgage customer service is the worse, not helpful at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I would like to file a complaint on Phh Mortgage Company in XXXX XXXX NJ. I went thru an issue of temp loss of employment got behind in my mortgage payment starting XX/XX/XXXX. I did try to find a position but then car issues ect. Temp hardship I requested to pay loan but Phh mortgage wanted full amount. I filed for a loan modification package in XX/XX/XXXX awaited my 10 days .never received I started receiving letters from bankruptcy attorneys in my mail. I called mortgage company about my loan had been foreclosed on they said No. I asked about my modification package n they stated they were sorry computer error never sent it out. In the meantime instead I received foreclosure notice from attorney the next day and still no package for loan modification. I received numerous letters to me. My ex husband who was never on the loan and separate letters to both my daughters. All letters which I now have to pay attorney fees for and were unneeded. I am the only person on the loan. My ex passed in XXXX. I have had numerous issue w ohh mortgage continuous wrong information on my account. Wrong phone numbers given to me on important documents so when I called it said extension can not be located for my case manager. Just continues issues to prolong n add fees to my loan I have since been denied my modification as of XX/XX/XXXX and given 14 days to appeal and not receiving this document til XX/XX/XXXX and have til tomorrow vto appeal. They denied me saying insufficient income and I do make enough they definitely calculated wrong I have the funds to pay my back loan plus late fees but they will not accept They want the extra {$2000.00} of attorney fees I have sent a letter to them requesting forgiveness due their delay in modification of loan and pointed out with dates their errors. Still no hope or help still continuous misguided information from Phh. Which is abusive day after day if stress and anxiety due to their contact mistakes and hours and hours of being on hold. Asking for onshore help specific to XXXX XXXX NJ and getting XXXX Everytime .to date not once Have I spoken to my individual case worker always wrong number or not available I feel there is no hope working w them and they say a continuous sorry of their mistakes but do nothing to fix them There is so much more to add here and I am aware they were sued XXXX and had to pay many borrowers for exactly what they are doing to me Using deception and causing anguish for people who want to pay but they are declining the approval. Plus reading reviews I am not the only one once again having horrific experience w Phh mortgage company I have a reinstatement due by XX/XX/XXXX to prevent foreclosure on my home the one I grew up in and they are refusing my payment. Loan is due {$11000.00} w late fees which I have to pay But they are refusing it in the reinstatement and w not allow me to add the attorney fee to end of loan or as a short term payment plan They just want it all by XX/XX/XXXX Of {$13000.00}. 50 Please help me save and protect my rights on this loan for me and my memories of the home I grew up in In need of any information please contact me Thank you XXXX XXXX New Jersey PHh Loan w XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX we financed our home with Option One Mortage ( first and second ), we refinanced in XXXX with another bank. However, when going to the XXXX County Wisconsin, Register of Deeds, we have found out the Option One Mortage never sent the paperwork over to the courthouse to record it a satisfied. I have tried getting ahold of Option One Mortgage, the closing companies as well as my current mortgage holder and can't get anywhere. How can a company claim they were never paid for a mortgage loan when it was refinanced?
Company Response:
State: WI
Zip: 53095
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have owned our home for 15 years and are facing foreclosure because of an accounting " error '' by our former servicer Ocwen. We received a notification in XX/XX/XXXX that they had made an error and undercharged us {$150000.00} over a period of 4 years and that we needed to immediately pay that lump sum to reinstate or they would initiate foreclosure proceedings against us. We tried to get some clarity and answers as to what happened and even hired an Attorney to contact them. Instead of explaining themselves PHH ( to whom the servicing had been transferred ) sent a payment history showing that we had paid our mortgage as agreed for 9 consecutive years and then suddenly a charge of {$150000.00} appears in XX/XX/XXXX. We have tried to work this matter out with PHH and they have been difficult to deal with and we need your agency to investigate this issue with Ocwen and PHH, as it relates to Ocwen violating the Periodic Statement Rule ( 12 CFR Part 1026 ( Regulation Z ) which requires mortgage servicers to provide homeowners with prompt regular and accurate information on their mortgage loans. For over 4 years Ocwen did not accurately provide correct statements to us. We bought our home with a 100 % purchase loan through XXXX XXXX back in XX/XX/XXXX. Our loan was then transferred to XXXX and in XX/XX/XXXX during the recession and after job loss we applied for and were approved for a loan modification. There was a period of 5 years with a fixed payment of {$1800.00} with an interest rate of 2 %. After the 5 year period the modification stated that the loan would revert back to the original terms. We made all of our modification payments as agreed and the loan was transferred to Ocwen sometime in XX/XX/XXXX. As we got close to end of the modification term, we contacted Ocwen to discuss our financial situation. We informed them that we were still in a tough place financially and were not sure we could make the increased payment after the term ended. The agent at Ocwen informed us that they had no record of requiring any type of increased payment and that their system showed that we just needed to keep making the same payment we had been making before of {$1800.00} Our mortgage statements over the next four years continued to be mailed to us, listing the payment of {$1800.00} and we continued to make the payment and were considered in good standing on the mortgage. In XX/XX/XXXX we received a letter stating that Ocwen had made a mistake and undercharged us {$150000.00}. Initially their agents demanded that we pay this amount in a lump sum which was not possible. We were eventually able to initiate a review for a loan modification and eventually were approved with a monthly payment of {$5900.00} which is nearly half of our monthly take home income. The payment is so high because our principal balance was increased to {$750000.00} because of the 4 years of mistakes made by Ocwen. This is not acceptable and the way this matter has been handled is outrageous. Ocwen 's agents assured us that our payment was not changing or increasing. This ended up being a misrepresentation and a fraud. PHH should not be able to come in and take over the servicing of this loan and suddenly claim that this is all our fault and that our finances and life are going to be destroyed because of incompetence. We are not denying that we owe the principal payments owed for those 4 years. But we question how you can charge us interest on this amount. Ocwen did not just charge us interest in the 7 % to 8 % range, they adjusted it upward even though that was not part of the terms of the contract. We have documented this in statements Ocwen sent us right before PHH took over the servicing of the loan. We are good people who have paid our bills on time our entire life and suddenly through no fault of our own we are thrown into this disastrous situation. We need some oversight and investigation so that there can be a fair resolution.
Company Response:
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Ocwen transferred what they say a mortgage to PHH mortgage. I disputed Ocwen as the lender of the home. Ocwen presented XXXX XXXX XXXX, Ocwen filed a false proof of claim as XXXX Bank as the owner of an asst XXXX trust. Ocwen claimed it was transfered to them given Ocwen the loan to my home. Ocwen was sued in XX/XX/XXXX by 49 attorney generals, Ocwen was sued in XX/XX/XXXX by 49 attorney generals. Ocwen attoney XXXX XXXX stood before a Judge in District Court and received a XXXX as Ocwen could not prove the lender of the home. Ocwen and XXXX Bank lied to the bank ruptcy court as they were part of a XX/XX/XXXX Making home affordable loan. Ocwen has committed fraud by transferring the loan, Ocwen commited fraud by stating they are the lender of the home. The FDIC XX/XX/XXXX took the loan from XXXX as they became insolvent and gave the loan to XXXX bank. XXXX XXXX bank and i modified the loan in XX/XX/XXXX under the making Home affordable plan. Ocwen lied and said that XXXX Bank was the lender. The XXXX Circuit Court opinion stated that XXXX Bank is an unsecure creditor and they were not able to retain the loans as they did not have the funds. The loans was sold to XXXX bank. XXXX XXXX created an unemployment agreement with me in XX/XX/XXXX. The last payment was XX/XX/XXXX care of XXXX bank via Ocwen. I sent a certified letter to Ocwen, PHH and FDIC. Requesting who owened this loan. As I did not know that XXXX sold my loan. XXXX and XXXX Bank was sued for HUD Fraud. My home was sold to me via XXXX XXXX in XX/XX/XXXX in the bill of sale it stated HUD settlement which mean funds was recevied via XXXX XXXX under hud. XXXX found a buyer XXXX and sold the loan. XXXX did not do a transfer of assignment in XX/XX/XXXX when they sold the loan. XXXX Bank purchased XXXX in XX/XX/XXXX7. XXXX bank purchased XXXX Bank loans from the FDIC. As XXXX and XXXX Bank was sued for hud fraud, false claim act etc. FDIC took the loans from XXXX Bank an sold them to XXXX bank in XX/XX/XXXX. The security and Exchange Comissions shows a new loan date at XX/XX/XXXX and closing XX/XX/XXXX this was not done correctly according to the FIDC plan. Doing this process I was never notified of all the issues. XXXX became Insolvent in XX/XX/XXXXand the loans were taken and given to XXXX bank who did not create an assignment. Ocwen took over the loans XX/XX/XXXX and created assignments in real property using XXXX in XX/XX/XXXX the same time as the FDIC sold the loans to XXXX bank. FDIC does not create Assignments. Ocwen some how received the loans in XX/XX/XXXX Ocwen is a debt collector who violated debt collector laws and do to their own negelet stalling to write the loan, creating missing documents, sending the modificaiton after the first payment due date is why no modificaiton was done with Ocwen. Ocwen never created a contract or consideration between the two of us. Ocwen changed their name to PHH mortgage sent a blue slip XX/XX/XXXX stating they were in the process of transfering the loan to PHH mortgage. Ocwen once again violated the law and Real Estate real estate settlement procedures Act. False Claim Act, Debt Collection Act, Federal Trade Act. As we can see the loan was a fraud from the start. Ocwen some how has gotten a copy of my adjustable rate note, which is now fraud as it was under Hud fraud making the entire contract void. Mortgage Financial Fraud is Illegal PHH MORTGAGE IS OCWEN and committing fraud PHH never sent a welcome Letter according to RESPA laws. I request all items be sent certified mail. PHH sent a letter after I requested a full distribution of the the loan. They realize no welcome letter was sent via RESPA. They sent a correction letter stating the amount of the loan was not correct in the welcome letter I never recevied anyway. I recevied a blue slip that Ocwen was in process of transfering the loan to PHH Mortgage and would still be around to asst in the transfer. I did not get a letter or the date when this transfer would take place a violation of RESPA laws. They also violated bankrupcy laws by sending communication to me while in a active bankruptcy. STOP THE HARASSMENT!!!
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We are filing a complaint regarding the processing of this short sale. The borrower 's wife died in XX/XX/XXXX, two months ago, leaving Mr. XXXX as a single father with XXXX small children. Mr. XXXX applied for a short sale on XX/XX/XXXX knowing he would not be able to afford the property any longer. We have been calling on the short sale every week, and we were told that on XX/XX/XXXX, the borrower was deemed ineligible for a loan mod due to low income and a short sale was opened. On each subsequent phone call, we were told that the short sale - specifically a SHORT SALE, not a loan modification - was under review that the package was deemed complete on XX/XX/XXXX. ***PHH has already been FINED for dual tracking -- -- -- On XX/XX/XXXX they deemed the file complete, YET ON XX/XX/XXXX POSTED A FORECLOSURE DATE ON THIS PROPERTY -- -- THEY ARE STILL FORECLOSING ON THE PROPERTY DESPITE THE FILE BEING COMPLETE. DUAL-TRACKING IS ILLEGAL AND THIS NEEDS TO BE CORRECTED IMMEDIATELY. **** See attached Foreclosure Printout**** Then on XX/XX/XXXX, we were told that as of XX/XX/XXXX the borrower was approved under a loan modification trial. It is important to note that this borrower 's *****GROSS MONTHLY INCOME IS {$3400.00}. ******His MORTGAGE PAYMENTS TOTAL {$3600.00} PER MONTH, and his *****TOTAL MONTHLY EXPENSES ARE XXXX. Apart from the issue of being lied to - deliberately lied to - on several dates, PLEASE TELL ME **********HOW IN THE WORLD WOULD THIS QUALIFY HIM FOR ANY KIND OF MORTGAGE? THIS IS AGAINST EVERY UNDERWRITING GUIDELINE ON THE PLANET. ********* Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to deal with us honestly, and not take advantage of his grief by putting him in a modification agreement that he very clearly can not meet. I want this short sale opened, and worked as I was told it would be on XX/XX/XXXX. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they clearly have no interest in complying with federal and state law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A