Date Received: 2019-08-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2019, I was informed that my mortgage company, Ocwen Loan Servicing, that my mortgage payment was going to be increased by almost XXXX because I had no insurance. I did have insurance and I immediately faxed proof to the insurance dept for Ocwen Loan Servicing which was later bought by PHH mortgage. Month after month they would promise to correct the mortgage amount and they did not. I have repeatedly requested and begged them to fix the problem and they promise they will and they do not. I do not know how to protect myself from a big mortgage company like PHH, I need help.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen has made all kinds of mistakes Now transferred to PHH its still the same Homeowner has done everything to save their home from foreclosure FHA Administration will be contacted Lender had someone fraudulently with wrong email and info on this account PHH insisting to foreclose relationship manager does not respond
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Whom it May Concern, I had my mortgage with Ocwen loan services for over 7 years. While with them, I paid my Insurance and Taxes separerately which worked well. As usual, I paid the same for the rolling years XXXX. Earlier this year ( XX/XX/XXXX ), Ocwen was bought out by a company called PHH Mortgage, PHH automatically opened up an escrow account and denied me paying my insurance and Taxes separately. This has caused my mortgage to go up almost {$500.00}, When I contacted them multiple times they said I didnt qualify. It has also forced me into paying for already paid taxes and insurance ( Double pay ). Please help me, I can't afford the increase in Mortgage and I think its unfair for this company to just force me into escrow when I didnt sign anything with them and already agreed my way of payment with Ocwen. Above all, This new company has shown no effort whatsoever in helping me and seem not to care about my mortgage history. I really appreciate if you can help my out, I feel like a victim and feel exploited by PHH mortgage. Thanks
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is Attorney XXXX XXXX. I represent XXXX XXXX, the homeowner. He is in the process of selling the property. I have attempted to obtain a mortgage payoff statement 5 times with no cooperation from PHH Mortgage. The borrowers are XXXX XXXX and XXXX XXXX. The property is XXXX XXXX XXXX, XXXX, Massachusetts XXXX. On XX/XX/XXXX I used the automated payoff service to order a written payoff statement. They said I would have the payoff within 3 hours -- no payoff statement arrived. I called again on XX/XX/2019 and did the same. No payoff statement arrived. On XX/XX/XXXX, I talked to a customer service representative. He said that PHH Mortgage would expedite the payoff. No payoff statement arrived. On XX/XX/2019 I talked to another customer service rep. He told me that we needed to obtain an appraisal of the property -- this was my 4th call but the first time any representative had mentioned the appraisal. On that same day, I faxed an appraisal to PHH Mortgage. I called back to PHH on MOnday, XX/XX/2019 to find out where the payoff statement was. PHH then claimed to have NEVER received the appraisal that I had sent them. It has now been 2 weeks, I can not sell the property, and I am paying additional expenses to continue to hold the property off the market. PHH seems determined to string this along so that they can collect more interest on this loan. PHH 's behavior has been unethical and has caused expense and additional attorney 's fees.
Company Response:
State: NH
Zip: 03038
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with PHH Mortgage for almost two years to assist me with assistance. Despite multiple communications through mail, telephone, and email ; I have yet to receive any assistance. I spend hours each week trying to speak with someone who speaks English fluently. The representatives in XXXX are not knowledgeable and unable to answer any questions. I have yet to speak with my case manager. PHH has repeatedly been dishonest. In one communication they tell me that I do not qualify for a repayment plan because of my debt to income. We now have sufficient income and is told we do not qualify. I am requesting again to have either a forbearance or a repayment plan for this account. Will someone please listen and help me?
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am trying to locate a PHH executive because since XX/XX/19 I am going through problems that are never solved by the bad work they do and I am very scared after reading all the reviews of clients and talking with the lawyers that defend a legal case they have. I have reported all irregulations to the state of Florida, but I would like to speak with a senior executive.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our payments are returned by PHH Mortgage Co. We are on a Trial Modification. PHH mortgage is claiming we did not make our initial payment. We have supplied proof of payment and PHH Mortgage has confirmed payment was received. Still refusing to grant us our final Modification papers. XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to Ocwen Mortgage Co XXXX pmt {$2700.00} ( Paid XXXX XXXX by XXXX XXXX XXXX ) to PHH Mortgage Co XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to PHH Mortgage Co We have receipts to prove. PHH Mortgage Co sent back payments for XXXX and XXXX claiming they never got XXXX 's payment. XXXX XXXX payment was sent to Ocwen Mortgage Co as instructed. Ocwen merge with PHH Mortgage as of XX/XX/19. all payments are to be sent to PHH Mortgage as of that date. All payments prior to XX/XX/XXXX goes to Ocwen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company is practicing UNFAIR LENDING practices AGAIN and not cooperating with information. Ocwen/PHH Mortgage company FORCED us into bankruptcy yrs ago because they REFUSED to accept any late payment. They have continually gone up on house pmt, escrow, Despite us getting our taxes ( appraisal ) lowered. NOW, they are REFUSING to talk with us about our mortage and the discrepancies in the NEW HIGHER pmt, unapplied pmts, and monies is Hold acct. They told us they can't even SPEAK with us without attorney permission Suddenly. This bankruptcy is several years old. They will not say Why the change, if it is Law, etc. Mortgage company will not give us any telephone number, email or contact information. We called the attorney and they were outraged also. Loan is under XXXX XXXX XXXX XXXX Account : XXXX My payment was XXXX It is now XXXX and they are saying it just went up AGAIN, even though we are at the top of arm, taxes were lowered and insurance stayed the same. OCWEN/PHH IS A THIEF, everyone knows it. All the lawsuits prove it. And them flat refusing to have a conversation Now even though we are paying on the account and even though it has been in bankruptcy for years is just another stalling tactic. INVESTIGATE
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX - Loss of employment, equivalent to 51 % of family income, starts a spiral from a previously remarkable rebound from prior financial hardship. Savings along with severance pay allowed for XXXX XXXX and XXXX XXXX mortgage to be made. XX/XX/XXXX - Miss first payment from current hardship. Sought employment during holiday season. XX/XX/XXXX - Contacted Ocwen Mortgage Servicing to request modification of our existing loan. XX/XX/XXXX - XX/XX/XXXX - Negotiated, communicated, discussed with XXXX Relationship Manager documents needed. options to foreclosure, requested assistance due to financial hardship, and future options. XX/XX/XXXX - Notified by Ocwen that loan will b transferred to PHH Mortgage effective XX/XX/XXXX. Asked what that may do to our situation. Was told by Ocwen rep that was up to PHH. XX/XX/XXXX - Sought assistance from XXXX XXXX XXXX XXXX to discuss options with new lender, PHH Mortgage Services regarding modifications and additional options to save home. XX/XX/XXXX - Offered partial, or current payments to PHH and negotiate to past due amounts. Awaiting decision.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I'm writing to ask for your help with my mortgage company. My home was lost to hurricane XXXX on XXXX XXXX. It was destroyed and torn down. The insurance company was great and sent me two checks in both my name and the name of my mortgage company ( PHH Mortgage ), one for the amount of {$52000.00} and the other for {$2200.00} totaling {$54000.00}. They also sent me another check for the contents, but that was only in my name. I endorsed the two checks and sent them to the mortgage company. On-line, it shows they received these checks on XX/XX/19. PHH Mortgage ( the Loss Draft Department ) has repeatedly denied my request to apply this balance to my principle, they have denied my request to send the money back to me, and when I asked for a payoff statement, in writing they put that my 'Available Escrow Funds ' is {$0.00} - they and wanted me to sign and notarize that statement and send the difference of amount back to them. I refused to sign a statement that said I have no money in escrow. I'm at a loss of what to do next. They won't apply it to the principle, won't acknowledge my escrow amount in writing, and won't send the money back to me ....??? They do not offer an account representative, so each time I call I have to explain to a new person what is going on, and each time I am given a different reason why they can not help me. When I asked for the money back I was told that amounts over {$40000.00} can not be released without a letter from my insurance company saying they approve of this - then PHH would review and let me know if they would release the funds. My insurance company had never heard of such a request and does not want to get involved, but my representative did send me an email stating this, and she added that she does not understand why they are denying me access to this money. I have been making the monthly payments and have kept current with this account. I know they are a big corporation and I am just a small nobody, but I really don't have {$54000.00} to give away. It is all so frustrating. I would appreciate any help you can give me. If you can not help, please let me know what my next course of action should be. Thank you for your time,
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A