Date Received: 2019-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have contacted XXXX XXXX three times regarding the remaining escrow balance for a paid off mortgage loan. I have sent three emails via their " Contact Us '' link within my mortgage servicing portal. The loan was paid in full on XX/XX/2019. My inquiries have been to understand when the funds sitting in my escrow ( approximately {$6000.00} ) will be released to me as required. On XX/XX/2019 XXXX ( Employee ID XXXX ) indicated to me that it takes 15 calendar days to issue payment, and an additional 7-10 business days to receive the check. I explained to XXXX that it has been 19 days since payoff and asked if a check has been issued. She explained the funds were issued on XX/XX/XXXX, however could not explain why the funds were still showing in my escrow account. Additionally, when I asked for the check number and amount, she was unable to provide the check number or confirm the check was actually issued. Further, when requesting a supervisor twice, I was told they were in a meeting ( first time ), or the wait was going to be 45 minutes ( second request to speak with a supervisor ), indicating they did not want to escalate my concern. My funds should be receiving interest for any delays in payment and I would like to know why the company refuses to respond to my reasonable inquiries of obtaining funds owed to me since XX/XX/XXXX in the amount of {$5900.00}. My email inquiries include : # XXXX and XXXX.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Owens Loan servicing, LLC keeps putting stickers on my door in the middle of the night harassing me. Some one call me trying to get me to sell them the house etc. I need Owens Loan servicing, LLC to stop sticking stickers all over my door and and harassing me. There nothing but a scam and committing fraud. I have also file a complaint with US Attorney office in regards to Owens Loan Servicing, LLC
Company Response:
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on my FHA loan in XX/XX/2018. It clearly states in the contract that homeowners insurance and property taxes are to be escrowed in. My mortgage was almost immediately sold to XXXX XXXX XXXX. I noticed right away that the payment did not include insurance and tax. I have called XXXX numerous times to straighten this out to no avail. They are not paying either. Also, they have sold my mortgage back to themselves under different company names at least 2-3 times. They have changed my loan number at least twice. In XX/XX/XXXX I made my mortgage payment on time but to their previous address. They cashed the check and reported me to the credit agencies saying my payment was more than a month late. This company is impossible to communicate with. Their customer service is useless. I dont know what to do.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Servicer : PHH Mortgage Loan Number : XXXX Re : Request for Loan Modification Assistance Dear XXXX, I am writing to request your assistance in saving our family home. We have been struggling for over 2 years to finalize a loan modification with PHH Mortgage after the servicing of our mortgage was assigned from Ocwen Financial Corporation. In summary, we were offered a loan modification trial plan in XX/XX/XXXX with a deadline of XX/XX/XXXX to sign and return the documents. We signed the documents in XXXX with the XXXX deadline date because thats what we understood was required. Our mortgage was assigned from Ocwen Financial Corporation to PHH Mortgage during the trial payment period. PHH rejected the final trial payment and notified us our loan modification was canceled and that we needed to reapply. PHH Mortgage and Ocwen Financial Corporation exchanged blaming each other for the loan modification trial not becoming a final loan modification. After persistent contact on my part, a PHH Mortgage representative told me the reason for the denial was due to the future dated documents. This could have easily been corrected if PHH Mortgage would have informed us of the error. We would have gladly signed new documents. Instead, I am living in fear with my XXXX sons and daughter that PHH Mortgage will process the foreclosure and evict us from our home. Please help us! Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Servicer : PHH Loan Number : XXXX Timeline of Events : 1. XX/XX/XXXX applied for home loan modification with Ocwen 2. XX/XX/XXXX loan modification was approved by Ocwen a. Terms were three trial payments of {$1000.00} ( XXXX, XXXX, XXXX ) b. XX/XX/XXXX modification would be effective c. Signed loan modification documents in XXXX with a XXXX date i. The loan modification was canceled before the last trial payment was accepted by PHH ii. PHH blamed Ocwen for the denial iii. Both PHH and Ocwen could not provide a reason for the denial iv. Finally, someone at PHH mentioned the reason for the denial being the loan modification documents were signed with a future date v. This could have been easily corrected had PHH communicated with me 3. XX/XX/XXXX I made the last payment to complete the modification 4. XX/XX/XXXX the payment was rejected and returned by Ocwen a. I was told that the one of the modification documents had the wrong data b. The date issue was a surprise because I was never informed their was a problem with any of the documents submitted 5. XX/XX/XXXX, I was told to reapply for the loan modification again 6. XX/XX/XXXX, reapplied and the modification was denied 7. I spoke with Ocwen several times trying to complete another modification at the end of XXXX and the beginning of XX/XX/XXXX 8. XX/XX/XXXX, I was told by Ocwen to apply again for a loan modification 9. XX/XX/XXXX, I called Ocwen to find out the status of the modification and was told that my house had already been foreclosed 10. XX/XX/XXXX, I called the FHA and tried to see if there was anyway I could bring my house out of foreclosure 11. I called Ocwen multiple times to see if I could speak with someone who could help me however I was told by Ocwen multiple times that nothing could be done 12. XX/XX/XXXX Ocwen placed my house on an online auction 13. XX/XX/XXXX with the help of my family for a home loan and I was going to try and buy back my house. 14. XX/XX/XXXX, I watched the online auction and waited until the last minute to bid and as soon as I made my bid, someone else out bid me. a. The house went on the online auction again. 15. XX/XX/XXXX, I filed a complaint with CFPB against Ocwen 16. XX/XX/XXXX CFPB responded to let me know that Ocwen replied to the complaint and Ocwen was still working on the complaint 17. XX/XX/XXXX Ocwen responded to the complaint I registered with the CFPB 18. XX/XX/XXXX, an Ocwen ombudsman representative was assigned to my case a. Her name was XXXX XXXX XXXX 19. XX/XX/XXXX, I was told by XXXX XXXX that the original loan modification was going to be put back in place due to false information I was given by Ocwen 20. XX/XX/XXXX, I was told to wire {$5400.00} dollars to Ocwen and that they were going to request for the judge to rescind the foreclosure 21. I was instructed to start making modification payments as of XXXX of XXXX. a. XX/XX/XXXX made a payment {$1000.00} b. XX/XX/XXXX, Made my payment {$1000.00} c. XX/XX/XXXX, made my payment {$1000.00} d. XX/XX/XXXX, made my payment {$1000.00} e. XX/XX/XXXX made a payment {$1000.00} 22. XX/XX/XXXX, I received a Loan modification package from Ocwen that I did not request 23. XX/XX/XXXX, I called Ocwen to see why I had received the Loan modification packet. a. I was told by Ocwen that someone ( homeowner ) had requested it b. When I explained that no one had requested it they argued and said it was requested 24. XX/XX/XXXX, I was force placed into an unwanted modification by Ocwen a. Terms i. {$1000.00} per month ii. 4.25 % interest rate iii. First payment was not due until XX/XX/XXXX b. New Ocwen produced modification added XXXX to my principle balance 25. XX/XX/XXXX, I submitted payments to Ocwen however they were rejected 26. PHH has not started the final stage of foreclosure as of today, however it is imminent
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I would like to prevent others who have a mortgage or could have one in the future form being stuck with PHH Mortgage. I closed on my home in XXXX and had 2 mortgages- one a larger dollar amount, 30-year term loan and the other a smaller 15 year-term loan. I have faithfully paid both mortgages on time every month, even in XXXX when I was laid off from my job with XXXX XXXX in XXXX, NJ due to the company being acquired by XXXX ; it took me almost a year to find a job. Recently I have had the good fortune to have been able to pay off several student loans as well as my credit card debt. I am now working on my mortgage debt and paid off the smaller mortgage balance on XX/XX/XXXX ( {$1200.00} ). I paid it off online as that is how I always make my payments on this loan. Nowhere does it say a customer needs to call to get a payoff code generated, and that a check can not be sent that it needs to be a cashier 's check or certified check. The payment was deducted from my checking account on Tues. XX/XX/XXXX. Using the PHH mortgage online system, it ways the payment was received on XX/XX/XXXX. However under the messages for my mortgage, a message dated XX/XX/XXXX, says that the payment was applied into a suspense or holding account and that the cash management team will review this and apply accordingly within 24 to 48 hours. You will receive a new e-mail alert and message ones this amount is applied. '' I received no such notification as promised by their own stipulated review date and my account for this mortgage is still showing a balance for the amount that I paid XX/XX/XXXX. I called about this Monday XX/XX/XXXX and was told for the first time by XXXX ( id XXXX ) that to pay off the loan I had to call to have a pay off code generated and that the payment must be made by cashier 's or certified check. When I said that I just wanted my money returned to me and I would pay it off by paying my usual monthly payment, I was told that would take up to 10 business days, When I said that was unacceptable and far too long, I spoke to someone named XXXX ( ID XXXX ) who said she'd be able to waive the requirement for a cashier 's check and have it applied and would look into it and let me know if there was any additional balance that needed to be paid off prior to the payoff letter being generated. I was told she'd call me back within 24-48 hours ; she gave me a generic number with no extension to reach her. She ended up calling today and left a voicemail message stating to call her back with no other information. I had to wait 24 minutes on hold only to find out she was not available. The man I spoke to looked at the account and said she called to tell me there was no new news on the account and that she was on it. In all it took me 34 minutes to find out I was in the same place as I have been and I am still out the money I have paid them. Could you please look into this on my behalf and publicize the poor business practices of PHH mortgage? Thanks so much
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is the 2nd time that PHH has provided incorrect information to the credit bureaus on my mortgage. I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix it.
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The lender used predatory lending tactics and has failed to recognize there has been a breach in the contract making it defective and void of any force or effect against this estate.. I have documents that prove my claim, and that any and all possible facts, or issues that arise out of this complaint will be accepted and acknowledged. This initial complaint does not limit or diminish any later bringing forward of evidence or other allegations into this complaint. Nothing can be barred for not being mentioned herein, hereunder, having not been noticed, not brought forward in a timely manner in this complaint.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying now the serving company changed and now I have to deal with a whole set of new people. I want a loan modification and a payment plan I can afford. XX/XX/XXXX. I have built home in XXXX in a lot bought by my Father XXXX XXXX XXXX. ( An XXXX veteran of XXXX XXXX ) He died without a will.Living lot to me an mother. To make my problem worse they now OCWEN bought out PHH which now my loan is served under. I now have to deal with a whole new set of mortgage servers. I am in need to help with modification and forbearance I can afford. I have a complaint against XXXX XXXX, Ocwen Mortgage Holding company and now PHH. The following has happened : I have been unable to get a correct statement from them. I get case managers that do not speak my language of English, and I get routed around. I have to call back when they call me and I miss picking up line, have to call back and start the process again along with making a new appointment. I fell behind in my payment due to multiple hardships related to medical expenses and loss of job. I tried to get a loan modification adjusting my 9.75 % loan but was never told if I could. I also wanted a forbearance and time to pay. While all is going on I get foreclosure proceeding filed. They now added to my current amount owed. When I was unable to pay, I was only owing {$24000.00} on the mortgage and {$32000.00} for the past due, and the added legal fees. I am also told a new mortgager ( PHH ) has taken over my loan. I am going to be stuck again and the time is ticking where I will lose my home that I have lived in since XXXX. The home is located on a lot my father ( US Veteran ) and I bought. The house was built by me and my father. I had to refinance the house twice due to a long terminal illness. I continue to work to pay for the home and I have lost my job twice in the period since having the high interest loan with XXXX XXXX. I do not want to go to the same ordeal with them and previous loan mortgager where they concluded nothing and gave of bunch of coined answers. When I first was transferred to them by XXXX XXXX in XXXX the bank made a mistake by not using the correct date in the system when the year changed. My loan was transferred showing I was 12 months behind. I was not and since then I have had trouble with the way the payments were applied plus they are at 9.75 % plus 10.5 % for arrears. I am having confusion over loan transfers to another mortgage handling company of PHH. I want to resolve issues : they are over charging me in the loan interest I want a loan modification to reduce interest from 9.75 % to the going rate. I want a forbearance that I can pay of less than {$2000.00} a month. I want a freeze on the fees and so that the issue can be resolved. I want fair treatment as I am an older person of XXXX years of age with a XXXX, also residing in the home is a XXXX person with XXXX minor children. I have to submit my information over and over again to be rejected and given phone number that do not work, or companies do not offer home foreclosure help. Just a waste of time and round around. When these proceedings are adding more cost to the amount owed of the home that the behind payments care a 10.5 % interest plus fees. All this accumulated fee will make us homeless for failure of the bank to work with me on repayment. I want relief and assistance under HARP or another program that can address my problem or any other program available. I also want them to stop using out of the country phone centers to route my call around. Additional evidence it has failed to provide relieve to me during XXXX and even now. I was given a back backed insurance ; I am a tax payer why am I paying for their mistakes. XXXX XXXX has secured taxpayer-backed insurance for thousands of shoddy mortgages. I was one of those victims they signed me up with XXXX XXXX my insurance payments went up sky high. By providing me with the high interest loan of % 9.75 and by not allowing a modification it placed me at risk of never owning my home after paying this high interest since XXXX. It is noted they have violated Department of Housing and Urban Developments Federal Housing Administration, by not following the loans with guaranteed with the full faith and credit of the U.S. government. I was in default in XXXX two years after XXXX XXXX bought my loan from XXXX. I did not have those protections because they excluded me from the protection. I defaulted because of the high interest rate that they never wanted to modify after repeated attempts by me to lower the rate. Meanwhile, XXXX XXXX made substantial profits extracting the high interest from me and also getting government bailouts. I am a taxpayer I have gotten no relief from them or from your agency. I have filed two complaints with you. I receive a copy coined letter from mortgager and no resolve. Despite my complaints my problem continues, and it is now escalating. The damages are irreversible. My mortgage although not an FHA or HUD loan is still protected under the fair additional penalties for each mortgage that broke federal rules. I have non of those protections. XXXX did not follow the guidance provide by the courts on providing adequate loan counseling. All I got was a piece of paper with phone number that do not work. While XXXX XXXX is profiting resale of government backed mortgages, I am facing foreclosure. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter, on XX/XX/XXXX stating that my Automatic payments have been canceled because of a various list of reasons. This is not personalized to me. Just a general form letter with my name added to it. I called the PHH Mortgage Company after XXXX and talked to a foreign speaking man who said his identification was XXXX.Phone # XXXX XXXX He said they needed information on my bankruptcy from XX/XX/XXXX, a reaffirmation form. Stating that the present house I am living in was not confirmed as to whether it was listed on my bankruptcy. I have been paying on this house for 13 years, it was bought in XX/XX/XXXX. Thru EFT from my bank. Now they have canceled that because I had filed bankruptcy in XX/XX/XXXX. Why??? No he could not answer that after 13 years, they are doing this. But they want a copy of my bankruptcy report to prove that this house I am living in and not ever missing a payment is not on that bankruptcy. I am fearful that this is a scam. I do not trust what they are doing and I did not do anything wrong. My credit score is close to excellent and I have not missed payments. The bankruptcy copy cost me {$180.00}, plus {$6.00} shipping I am still waiting on in mail. I would like some answers as to why I am targeted after 13 years of good compliance to there loan. I am planning on getting legal advise also. I have called several numbers to get to this place to file the complaint. It is very upsetting to go thru this, as I am a senior citizen. Maybe why I am targeted, but I am not stupid.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i had a mortgage with ocwen loan services, acct ( XXXX ). i had sought a modification years back and received a modification which was posted to credit report over 7 years ago. No payments were missed and account was in good standing once modification was in place. I refinanced with XXXX XXXX XXXX ( since sold to XXXX XXXX ) in late XXXX XXXX of 2019. Prior to refinance closing, i received a letter from PHH mortgage that they would be assuming the servicing of the Ocwen loan. Seeing as the refi was being completed, i felt no need to contact them. The closing occurred without a hitch and the loan was paid off in full. Two weeks subsequent to closing, i received a credit report alert that PHH has posted on my credit report that a modification had occurred. This was YEARS PAST the time the modification had occurred. this has since done significant damage to my credit score, that i worked very hard to re establish. i contact this PHH and they are of no help whatsoever. Can you please force them to remove this late, errant, false report on my credit report. phh mortgage XXXX XXXX XXXX XXXX XXXXl, NJ XXXX XXXX XXXX XXXX Loan number XXXX
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A