Date Received: 2019-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We received a letter dated XX/XX/2019 informing us that our mortgage servicing was transferred from Ocwen to PHH Mortgage. The letter informs us of our new method of accessing their website for information and tells us where to make our payments. The website when we try to access says it does not recognize our information. We tried to register as new users and got a message saying our information does not match any of their information and to call an 800 number. Called the number and they said they could not help us and that they would transfer us to another department, stayed on the line for 30 minutes and gave up. Called back and got the same " service '' rep and asked to be connected to a manager. She put me on hold and I waited another 45 minutes and gave up. We have received one delinquent notice, but have never received monthly billings like we did from Ocwen so we don't know the payment dates or the amounts due. My wife tried their telephone help line and it didn't work no matter which option she tried. Both my wife and I have worked in the banking or financial fields for over 30 years. We have never seen service like this. Close this mortgage company down and assign their mortgages to a really mortgage company.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: on XX/XX/2019 I submitted my loan modification package to OCWEN and they refused to help me. I resubmitted my loan modification package again on XX/XX/2019. After that I received a letter indication my loan was transferred to PHH Mortgage. On XX/XX/2019 I resubmitted my case by email and uploading my documents on the website that indicated the notice of lender transfer letter. I have received an email requesting more documents that I have submitted. After that I have received the foreclosure notice. Reviewed the website and nobody reviewed the documents submitted. The law office sent by email my package and the indicated that they will not review it due the proximity of the foreclosure sale date. Informed them that they have my document 2 month before the foreclosure, the relationship manager never attend the calls, and the home retention department doesn't have knowledge of the review status of a loan modification. Now they change ( again!!! ) the servicer 's name to XXXX. In addition the foreclosure attorneys never send us the foreclosure notice letter.
Company Response:
State: VA
Zip: 22182
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of this year I filed a complaint about PHH mortgage company because of a situation that is either gross incompetence or an attempt to take advantage of my vulnerable situation as a new widow and force me into foreclosure. That complaint was never fully resolved, however it did get PHH to send me the paperwork they had been dragging their feet on ; paperwork to make a mortgage modification permanent. The paperwork was supposedly sent out in XXXX but I never received it and they refused to acknowledge my attempts to get the paperwork sent to me. I also received paperwork for a mortgage assumption which I am entitled to since my husband passed away. The paperwork was sent to me via XXXX with instructions for completing and returning it. I signed and returned it on XX/XX/XXXX via XXXX per the instructions. I have confirmation that the paperwork was received by PHH from the tracking information provided by ups. However, I never received any follow up or confirmation that the paperwork was received from PHH. I sent several emails in XXXX requesting information on where to send my payments since my online account is inaccurate and the payment feature disabled. I didnt get any response. I sent my XXXX payment to an address I obtained from their website, but I didnt get any confirmation from PHH that it was received. I sent it certified so I have tracking information. Finally, sometime In XXXX I received a response to my question about a payment address. The address was different from what I found on their website. The email from PHH also stated that the modification and assumption had been canceled because the paperwork was never received. I have confirmation that it was received, and the name of an individual who signed for it. I sent a copy of that tracking information in a reply email. I made my XXXX payment to the address provided to me in that email. I sent it certified with signature confirmation. Today is XX/XX/XXXX and I still havent received the signature card back. The payment was delivered to their box on XX/XX/XXXX. PHH is still failing to acknowledge the modification and assumption paperwork I signed. They continue to charge late fees despite the modification and the payments being made on time, they refuse to update my account with any of the correct information, including the name on the account. Currently the account is in the name of someone who never existed on this account. It is not in my late husbands name or mine. Since I havent received the signature confirmation from the XX/XX/XXXX payment I think they are failing to collect the payment so they can add more late fees. I want all of these issues corrected, all missed payments included in the modification. The number of missed payments is significantly higher than it should have been due to their incompetence or illicit attempt to force me into foreclosure. Had they done the modifications in an appropriate time frame the account would never have gotten so far behind, or accumulated so many late fees. I want the late fees removed from the period between when I received notice of the modification in XXXX, until this is all corrected. I want the account information corrected and accurate and in my name.
Company Response:
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Applying all payments to suspense balance. Showing past due but all my payments are going to suspense. Try calling them they refuse to speak to me. Want letter from my attorney. Attorney has written them and till will not speak to me.
Company Response:
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My loan was transferred to PHH Mortgage from Ocwen, in XX/XX/2019. Before the transfer of my loan, I was granted a repayment plan by Ocwen, due to the death of my husband, because I was approximately 2 to 3 months delinquent. I made numerous payments to PHH Mortgage, and they have refunded the payments back to me. ( Each Representative at PHH Mortgage has told me that there is no record of any payments made by me since XX/XX/2019 ). Im also not allowed to use the funds currently in my Escrow Account. Because the payments are being returned Im now 6 months delinquent. Because the payments were not accepted, they place a Notice if Intent on my account. I have contacted PHH Mortgage many, many times for a repayment plan and have been told that I qualify for a repayment plan, however, due to the status of my account, I have to make a payment over {$5300.00} dollars in order to receive a repayment plan. Thats paying the delinquency in full, therefore, is not a Repayment Plan. Normally their repayment plan consist of making one payment, then making an additional payment with your monthly payment until youre caught up. I was not informed or notified by PHH that my Payment Plan Agreement was null and void once my loan was transferred to them. I can make my monthly payments, it was a devastating life event that caused me to become delinquent. My situation is temporary, not long term. Im asking for a reasonable payment plan to stop the delinquency and Notice of Intent.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Resubmitting this to fix the fair resolutions that should read * We want our property back ... -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today we were shocked to get tones of calls that our property was sold at the auction this morning. Breaking the federal dual tracking law. They also broke Washington State law which will be another complaint. When I called PHH/Ocwen today and talked lenghty to XXXX XXXX while recording her, she just kept spinning and sent me to the trustee sales lawyer at XXXX XXXX and the county sheriff. When I asked her about my modification application status, she said she has nothing in file so I explained to her that when I called on XX/XX/XXXX, they told me that Ocwen had transferred my file to them PHH and they will review so the sales which was then on XX/XX/XXXX can be postponed We then received a letter dated XX/XX/XXXX that our file wasn't complete and they can't review it which again is within 15 days that Washington State requires for the review. When I called them on XX/XX/XXXX that I filed for bankruptcy which was the only way then to stop the sale, they told me that they had cancelled the sale and will review my application. So we were waiting for the follow up after ressending the whole application. She said she has nothing on file so when I asked her what document was missing per the letter their sent us on XX/XX/XXXX and she wouldn't respond. When I asked her when was the letter for XX/XX/XXXX sale send to us, she had no information to tell me and asked me to call the trustee lawyer, which again we didn't receive anything from. Talking to the trustee lawyer, he said the house was advertised on XX/XX/XXXX and they didn't have be sure that we received the documents postponing the sale. He then said they sent us a certified mail, which I asked if he has a day which we picked it up, he said he isn't required to know that I received it. Again we never received it. Its pretty clear that their violated Washington State RCW6124031 This is just weird, and this sounds like from a movie and we are going to fight this to our last breath. I talked to the Trustee firm to XXXX XXXX who seemed nice but it's pretty clear to me that their didn't even advertised the XX/XX/XXXX sale which beg the question on their practice stealing people 's house to the benefits of their hidden network. The property supposedly sold at {$1.00} when a similar property sold {$1.00} next door. XXXX seemed very understandable but I wonder what he doesn't know. He tells me that letters were sent to us. Who sent them and how come we never receive them and he also said they aren't required to know that we actually received them. I also spent time discussing our bankruptcy with the Trustee and he said my case was dismissed even though still active. We had some paperwork to provide to the court but they still sold the house.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/19 I received a call regarding the escrow on my mortgage, that had a debit balance on my account. The caller demanded that I go to XXXX and wire {$980.00} before 6 p.m. that day to avoid foreclosure, and could only be done that day only. I requested evidence and his manager, he responded that that was not possible. it was in his control now. I suspected a Scam and called my Mortgage Co. the next day and confirmed the call was bogus. He identified himself as XXXX XXXX of the mortgage co. @ XXXX in Texas. Foreign accent possibly XXXX or XXXX. The killer was the phone number appeared as my contact person at the mortgage co.! She is in Florida
Company Response:
State: MI
Zip: 48009
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have made multiple attempts with Ocwen/PHH to correct the violations of the Fair Credit Reporting Act ( FCRA ) and the Real Estate Settlement Procedure Act ( RESPA ). I have sent in Notice of Error, Qualified Written Request, and also disputed with the CRA and no resolution has occurred. CRA 's I have submitted a dispute to XXXX XXXX, and XXXX. I received a response to the dispute by XXXX Confirmation Number XXXX and when I used the link to view the response, I was advised that I had to call XXXX to confirm my identity. When I call I have held for 45 minutes and still no response. XXXX will not allow me to check my status online and also has a horrible wait time to call in. I have not received a response from XXXX. OCWEN/PHH Violations During the complaint process, a update was performed XX/XX/XXXX where the credit reporting was updated from " Account Transferred 30 days late '' to " Closed 30 Days late ''. I received a written response through a CFPB complaint that my credit reporting has been suppressed. As of XX/XX/XXXX, my account is reporting " Closed 30 Days Late ''. Overview of violations that Ocwen/PHH have violated : 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts Violation 1 - ( b ) Notice By Transferor of Loan Servicing At Time of Transfer. Transfer shall be made to the borrower not less than 15 days before the effective date of transfer of the servicing of the mortgage loan. Ocwen/PHH did not provide notice to us about the transfer. We found out that our account was being transferred on XX/XX/XXXX when we attempted to make a payment. At that time, no channel to make the payment was available. We were advised that the was a system problem with the transfer and our payment could not be accepted. Then on XX/XX/XXXX. Ocwen reported our account as transferred 30 days late. Violation 2 - 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts | U.S. Code | US Law | LII / Legal Information Institute ( d ) Treatment of loan payments during transfer period During the 60-day period beginning on the effective date of transfer of the servicing of any federally related mortgage loan, a late fee may not be imposed on the borrower with respect to any payment on such loan and no such payment may be treated as late for any other purposes, if the payment is received by the transferor servicer ( rather than the transferee servicer who should properly receive payment ) before the due date applicable to such payment. Based on information that I have gathered, the effective day of the transfer was XX/XX/XXXX and the 30 days past due was reported on the XX/XX/XXXX. Violation 3 - 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts | U.S. Code | US Law | LII / Legal Information Institute ( 3 ) Protection of credit rating During the 60-day period beginning on the date of the servicers receipt from any borrower of a qualified written request relating to a dispute regarding the borrowers payments, a servicer may not provide information regarding any overdue payment, owed by such borrower and relating to such period or qualified written request, to any consumer reporting agency ( as such term is defined under section 1681a of title 15 ). I was notified of the negative/inaccurate reporting as of XX/XX/XXXX. I promptly notified Ocwen/PHH of the error and asked for correction. A correction was made on XX/XX/XXXX that changed my reporting from Transferred 30 days past due to Closed 30 days past due which caused my credit score to decrease by 12 additional points. Ocwen/PHH lack of knowledge on credit reporting is impacting my credit and jeopardizing my job. I have made several attempts to correct this issue. I am requesting that my credit is corrected no later that XX/XX/XXXX. For Ocwen/PHH to meet that deadline, a correction must be submitted through XXXX. Based on the Credit Reporting Resource Guide, Account XXXX should be reported as Account Transferred and CURRENT. Please feel free to reach out to me with any questions or concerns. If Ocwen/PHH Credit Reporting team does not know how to correct the credit, I recommend that they reach out XXXX, XXXX, and XXXX today to ask for assistance in correcting the inaccurate credit. In addition, I am sure that I am not the only customer that has been impacted by Ocwen/PHH unfair and deceptive practices. In addition to correcting my account, a review of all impacted accounts need to be conducted and corrections need to be made.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I found out today that PHH Mortgage has been rejecting my mortgage payments for months without notifying me. I have contacted PHH Mortgage on multiple occasions over discrepancies in my payments. I could not understand why they were saying I was behind several months and I have payment receipts from XXXX showing that I could not have been behind the amount of months they were stating. I had filed complaints with the TN State Attorney General 's Office, the CFPB and the XXXX of New Jersey. I had also filed formal complaints with both Ocwen Loan Servicing and PHH ( who they now own ). In all of these communications, not one time, did PHH Mortgage notify me that for several months they were silently rejecting the payments I had been making by XXXX. My payments had been sitting in XXXX waiting to be refunded for MONTHS. I had no clue. No idea. PHH Mortgage had ample opportunity to tell me that they were doing this. I just found out today on a phone call with PHH Mortgage where I gave a supervisor all of my reference numbers for the XXXX payments including the date and time the payment was made. The supervisor looked in the system and told me that he wasn't showing the payments and he put me on hold. He came back to the phone to notify me of the rejection. So PHH Mortgage was negligent in the mortgage servicing of my loan by failing to inform me that my payments were rejected and they waited until I was several months behind to demand an inflated lump sum and the man today gave me 20 days to pay {$5000.00} to bring my loan current. It's as if PHH Mortgage intentionally let me get this far behind to try and take my home. PHH mortgage is worse than Ocwen Loan Servicing. I have had several conversations with its agents and been told on multiple occasions that they do not have to follow the the prior agreements that Ocwen had in place for my loan even though standard servicing guidelines followed by the servicing industry usually require companies to honor agreements that are already in place when the loan is transferred. I was told today that the longstanding servicing agreement Ocwen Loan Servicing had with its customers of not starting foreclosure proceedings until the loan is 89 days late has been essentially 'disregarded ' by PHH Mortgage and now PHH Mortgage goes immediately to foreclosure. This is what their agent told me today. But this would go against what was in the notification of transfer letter that Ocwen sent me when it notified me it had transferred the loan to PHH Servicing. Also in the letter that PHH Servicing sent to me notifying me they now had servicing rights to my loan - both letters either stated or alluded to the fact that all servicing agreements, rules, procedures and guidelines in regards to my loan would remain the same. Yet now PHH Mortgage agents are telling people that they are disregarding all prior agreements Ocwen had on the loan. They did this without notifying me which violates both Federal and State Mortgage servicing laws. I was suppose to be informed. I am deeply frustrated with how PHH Mortgage has been handling the servicing of my loan. They are thumbing their nose at longstanding agreements which were in place, abruptly changing policies without proper notification to the borrower and failing to inform borrowers when they have decided to reject payments. It was wrong for PHH Mortgage to fail to notify me that they had been rejecting my payments FOR MONTHS. PHH Mortgage, like it's parent company Ocwen ( who improperly foreclosed on me and hired men to come inside my home and change my locks and tape down my toilets and trash my place - when I was never foreclosed on.. they never apologized. They just quietly removed the foreclosure from my credit report.. they had even notified the IRS that I had been foreclosed when I was not. ) is continuing the practice of thumbing their nose at various Federal and State laws governing the servicing of mortgage loans, and harming customers like myself in the process. I do not know what to do. Or who to turn to. I have filed numerous complaints throughout the years about first Ocwen Loan Servicing ( who now owns PHH ) and they were eventually sued for their violations ( they had illegally foreclosed on hundreds of thousands of homeowners throughout the years - throwing veterans, us military personnel, soldiers, teachers, widows, the elderly, the infirm, and other hardworking Americans into the streets and it was determined by the courts that not only had they illegally foreclosed on these people tossing them and their families into the streets like trash - they had a side hustle where they were making a profit from the illegal foreclosures ) and now PHH is continuing the trend. The PHH Mortgage representative, upon notifying me that my payments had been rejected by PHH for several months, demanded I send thousands to PHH in under one month ... thousands over my payments, to immediately bring my loan current or PHH would take my home. I told him I could bring the loan current and pay what he wanted but I would need at least 60 days. I certainly couldn't do it in 20 days. He refused this. He then said the only other alternative was a loan modification. I did not want a loan modification and did not think I would qualify. A loan modification is a complete restructuring of the entire loan. PHH Mortgage can easily give me the 60 days to bring the loan current or work out a payment plan. Especially given the circumstances surrounding the delinquency which was caused in part by PHH 's own negligence in the servicing of my loan and failing to notify me they were kicking back my payments. The man even lied and said 'oh we tried to call you multiple times '. That's a LIE. My phone never rang. I never received any communication from PHH of the rejected payments. He then said 'oh we have the wrong number '. That's also PHH 's fault. I had updated my correct phone number multiple times with PHH and they refused to erase an old outdated number that I had not used in years, choosing to put the new number I gave them under this other number and only calling the old number. I have told PHH and it's agents on multiple occasions my correct number. Every time I call them I update my number. My correct number has also been included in multiple written correspondence with PHH Mortgage I have sent to them. There is simply no excuse that they could not reach me. I don't believe they even tried. It's all just a lie. It's evidently the policy of PHH to never delete this information. Even when told by the customer the information is outdated, stale and old. If this matter is not resolved, I will have no choice but to go through the courts to seek equity and a remedy to the sloppy and negligent handling of my loan by PHH Mortgage. The lies it's agents have told me about not having to follow prior agreements which were in place, and the misinformation from PHH agents regarding my loan as well as failure to notify me my payments were rejected and I had to find out several months later through a random phone call with PHH. In addition to this I've only been able to log into the PHH Website about 3 times since PHH has had the loan because the website is either constantly down or malfunctioning. This is such a nightmare. Product or Service Mentioned : Phh Mortgage Loan. Reason of review : Negligence, Violation of Federal and State Mortgage Servicing Laws, Misinformation, Damage and Harm to Consumer potentially leading to Foreclosure, Potential Legal Ramifications to protect my rights in a court of law and to demand equity and remedy. Preferred solution : Payment Plan that will allow me to work out an agreement to keep my home that is flexible due to PHH Negligence in failing to properly inform me. I want to avoid the courts as legal filings are public record. But PHH Mortgage refuses to assist demanding t.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Yes, I received a letter from a new mortgage company, PHH loans Ocwen loan services bought, they are telling me that I ; m 62 DAYS in Default which is not true, Ocwen loan services cashed both checks that I was told was not payed.So now there new Company PHH loan services are saying I ; m in default.The account number is the one from ocwen loans, so tell me how is that possible that they don't know that PHH loans now part of ocwen loan services checks were cashed.I called PHH loans on XX/XX/XXXX, and was hung up on 3 times.It was when gave the account # in about 30 sec, then I was hung whats up with that? Also they have not sent any receipts.apparently the change of address a delay, I was not a notice at all a address or new company or nothing, in fact they waited two months to notify me I was 62 DAYS in default.The same thing happened 0n XX/XX/XXXX, when had changed a new address to sent the checks to.They also let 2 months go by sending a notice, by that time got to add late fee ; s everything and threatening me with foreclosure and what not, so can you help me? Thanks XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A