Date Received: 2023-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I contacted PHH on XX/XX/XXXX at XXXX XXXX I spoke with XXXX ( agent number XXXX ). I questioned what an XXXX XXXX XXXX. BILL FEE for {$.00} under the escrow column was for. XXXX explained that they decided to contact either the insurance company XXXX XXXX tax assessor concerning a change in the amount in escrow. I have never seen this fee before. He stated that the policy changed on XX/XX/XXXX. I don't think it is right that I, while paying {$720.00} in interest in that month alone, should be charged a fee for a phone conversation or contact. This has never occurred in the past. I recognize it is common that the amounts change for taxes and insurance. The required escrow amount changes almost, if not every, year. An adjustment is made once a year, and a notice is sent to give me the option of paying the deficit or have my monthly payment increased to make up the difference. Although this fee is nominal it appears it is just another way for PHH to make money. It is wrong that PHH can charge {$.00} any time they want to randomly call either the XXXX assessor or my insurance company. If PHH has XXXX clients it is an easy way for them to make a quick and easy {$250000.00} every time they decided to do this. I was not given the option of contacting the XXXX assessor or insurance company, myself, to clarify whatever question or concern PHH may have had. I have never been charged to contact the XXXX assessor or my insurance agency. Further more, I was never given written notice that the fee schedule for this loan has changed. I have never been late on my mortgage payment and have over a XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80226
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: ANSWER : I need the property info released again, in 16-cv-00199 USA v HSBC holding and 3 relted cases below OCWEN Is most urgent Illegal foreclosures for XXXX yrs unentitled parties from XXXX XXXX to ongoing XXXX are suing me that were released in >>ref to USC DC 16-00199 CONSENT JUDGMENT and has 3 rated CASES listed below. if you do not have the list of properties I saw in XXXX how will i get that list from OCWEN or From XXXX? Time is of the essence. 1. USA et al v HSBC et al conviction for illegal foreclosures in all 50 states and related cases are on PACER. 2. 1:13-cv-02025-RMC Consumer Financial Protection Bureau et al v OCWEN FINANCIAL CORP. et all and 1:12-cv-00361-RMC USA v Bank of America Corp and 3 . 1:14-cv-01028 Suntrust Mortgage Inc. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NY XXXX may also because it a private rd XXXX XXXX XXXX XXXX XXXX NY XXXX as NY lawyers wrongly actually re wrote 50 years of my XXXX credit to discredit my honor aised and abetted by XXXX NY who is a defeated defendant in my prevailing USC 42 1983 on jury trial on XX/XX/XXXX this is retaliation as I was threatened XX/XX/XXXX and in XXXX and XXXX by County rep also a neighbor of only 3 neighbors the county Judge and the County employee threatened to take my property I did file reports. I need documents with the address for 2 properties i own unencumbered in County of XXXX NY I need to subpoena these address I will only for information as a related case in USC DC and my many complaints of illegal foreclosure for 20 years. XXXX is related case I did file for about 20 yrs complaints for illegal foreclosures on 2 TWO unencumbered properties that were illegally foreclosed released back to owners if they were still HELD abd XXXX these Unencumbered properties and going to be sold illegally by NY lawyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX in PA XXXX office in XXXX in XX/XX/XXXX without NOTICE and after I was GRANTED prima facie summery judgement restrained the debt from collection by anyone in USC from XXXX XXXX and in NY now same restrained debt is attemped collection by NY unentitled lawyers on and from XXXX to ongoing was released and satisfied XX/XX/XXXX according to CONSENT JUDGMENT signed 2016 USA et al v HSBC Holding et al. and I have been sued from XXXX USC by US CODE 28 1332 diversity of citizenship I am in NY and in XX/XX/XXXX again wrongful sales will be conducted on same property one never had a mortgage and was take for simalair address in XXXX XXXX XXXX XXXX. Please direct me to the proper authorities to enforce the CONSENT JUDGMENT against XXXX XXXX et all ASAP? XXXX both properties were satisfied and released back to rightful owner and unentitled adverse parties are again claiming to rep XXXX XXXX I have NO BUSINESS DEALINGS WITH Adverse parties or any mortgage co from XXXX and without standing with out NOTICE without MERIT I did prevail in USC at the same time as the USA v HSBC from XXXX and both properties are included on that list my former lawyer did show this to me in XXXX. To make matters worse these adverse parties have used my SSN in XXXX and added other people 's debt to my SSN. I do not owe anyone money. These are not simple denials. I have been a victim of ID theft for more than 20 years. I duly reported here. I prevailed for 16 years of illegal foreclosures from XXXX in USA and in NY supreme Court on XX/XX/XXXX and GRANTED summary judgment in NY State with a prima facie case all debt was again restrained from collection on that day. As the same debt was restrained from collection XXXX XXXX to XXXX XXXX. None of this debt belongs to me. I am innocent of all allegations. These were proven to XXXX from XXXX to XXXX XXXX and in XXXX I was sued none stop by unentitled adverse NY lawyers who have now stollen mXXXX years of EQUITY and my property too for money I never borrowed and in XXXX after 16 years of prevailing my XXXX and XXXX unencumbered property was liened an backed line and mortgage I never signed for over XXXX XXXX dollars wrongly back to XXXX liens were back in XXXX. The County of XXXX is a defeated defendant on XX/XX/XXXX un civil rights violations US CODE 42 1983 I am the prevailing PLAINTIFF IN THAT Matter these NY cases from XXXX to ongoing are in fact retaliation FOR my prevailing in Genovese v Suffolk et all herd on XX/XX/XXXX by jury trial. every lawyer including defense I have reported to you and all aided and abetted adverse parties from XXXX XXXX XXXX XXXX to XXXX to steal all of my equity and to now steal my property for money I never owed in my life and I did prevail aI did prove this in XXXX and in NY XXXX XXXX XXXX. What is the USA going to do about hard copy records missing in county records?? There will be further DEED AND EQUITY Theft across this USA. I never signed a note. I never had a need to borrow money from XXXX. Tas of XXXX y SSN and my good name for over 60 years have been compromised I had a XXXX XXXXXXXX credit score I removed most alleged debt from XXXX rightly but in XXXX adverse parties use my SSN and recorded about XXXX XXXX debt belonging to someone else and or manufacture debt over 16 years of info data mining and filing wrongly foreclosures from XXXX. These illegal foreclosures from XXXX have cose me actual damages of over XXXX XXXX dollars and now in XXXX these adverse parties will sell my unencumbered properties and I have NO BUSINESS RELATIONS WITH IN MY LIFE.But 50 years of my financial history XXXX XXXX point credit is now wrongly destroyed. I need protection and Consumer Protection is a party to 16-00199 USC DC see three related cases to this index number STATE OF NY Is a party as well on behalf of wrongly and illegal foreclosure I must know how to enforce HSBC CONSENT JUDGMENT 16-00199 USC DC ASAP. A XXXX Judge who is related by Blood to an adversary and wrongly deleted my prevailing summary judgements from XXXX and others prior. I can provide XXXX name f requested i did ask to recuse and I did prevail i XXXX TO RECUSE XXXX XXXX GRANTED RECUSAL MOTION XX/XX/XXXX when the same Judge threatened me again all are related to a XXXX politician and a neighbor for XXXX XXXXear I reported threatened me beginning XXXX and XXXX and XXXX and XXXX to take my property. Thank you.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please help us to pay off our note amount to XXXX XXXX ( XXXX since XXXX ) that Ocwen is holding hostage for DOUBLE the note amount. Ocwen 's own 30b6 deponent testified they don't own the note and that they manufactured the default, yet they are demanding TWICE the note amount to redeem/payoff. Ocwen has been tormenting us for more than 10 years. We never missed a payment we just wanted Owen to adhere to step down provisions of our note. Instead, from XXXX they rope a doped us into multiple modification schemes requiring huge downpayments, followed by foreclosure threats after successful trial periods, eventually accelerating our note on XXXX XXXX XXXX - despite being months ahead on payments at the time. They began refusing payments beginning in XXXX XXXX and have refused to allow us to payoff the note amount. They were found repeatedly to lack standing from XXXX -- until XXXX when they switched to an older contract not in place at the time of acceleration and successfully claimed we never missed a payment but paid the " wrong amount. '' North Carolina is a non judicial state so the only option to fight wrongful foreclosure is to bring a separate suit on " any legal or equitable grounds '' - which we did, surviving a motion to dismiss action by Ocwen. Our attorney ( XXXX XXXX of XXXX XXXX XXXX XXXX ; XXXX ) found in the course of legal and forensic research, Discovery provided by Ocwen, and by deposing Ocwen employee XXXX XXXX that : a. their own discovery notes and XXXX 's deposition show we DID NOT DEFAULT. ( discovery and deposition sent under separate cover ) b. They created and robo signed allonges separate from any note and many years after any alleged transaction to give the appearance of standing. ( XXXX 's depo described a " mass swearing in '' before they sign- with no notes present/attached ) c. The alleged " trust '' ( Renaissance Trust 2007-1 which was part of the 16B DOJ settlement against XXXX ) does not exist/never registered w/IRS as trust. ( IRS info sent under separate cover. ) d. The loan does not appear in the trust or on any other balance sheet and was removed from the credit bureau in XXXX. ( original lender XXXX XXXX went Bk in XXXX ) e. More than 50 examples of accounting fraud/malfeasance/incompetence including using bogus " Esrow shortages '' and no less than 6 theories of default used ( and debunked ) to justify foreclosure. IN XXXX XXXX XXXX taunted my lawyer in court that he " should have sued for accounting fraud. '' ( Accounting examples sent under separate cover ) However, in a MSJ hearing the judge said we were prohibited from presenting our findings in a court of law because of " Res Judicata '' - even though evidence of these claims has never been presented or the evidence examined in court due to the non-judicial nature of previous hearings. While this finding will likely ultimately be overturned, we would like to end this by paying off the note. Ocwen 's own 30b6 deponent testified they don't own the note and that they manufactured the default, yet they are demanding TWICE the note amount to redeem/payoff. Ocwen has been tormenting us for more than 10 years. We never missed a payment we just wanted Owen to adhere to step down provisions of our note. Instead, from XXXX they rope a doped us into multiple modification schemes, eventually accelerating our note on XXXX XXXX XXXX. ( we were 2 months ahead on payments at the time ). They refused all of our payments beginning in XXXX XXXX and have refused to allow us to payoff the note amount repeatedly through the years. They were found repeatedly to lack standing from XXXX -- until XXXX they switched contracts and successfully claimed we never missed a payment but paid the " wrong amount. '' North Carolina is a non judicial state so the only option to fight wrongful foreclosure is to bring a separate suit on " any legal or equitable grounds '' - which we did, surviving a motion to dismiss action by Ocwen. Our attorney ( XXXX XXXX of XXXX XXXX XXXX XXXX ; XXXX ) found in the course of legal and forensic research, Discovery provided by Ocwen, and by deposing Ocwen employee XXXX XXXX that : a. their own discovery notes and XXXX 's deposition show we DID NOT DEFAULT. ( discovery and deposition sent under separate cover ) b. They created and robo signed allonges separate from any note and many years after any alleged transaction to give the appearance of standing. ( XXXX described a " mass swearing in. '' before they sign- with no notes present/attached ) c. The alleged " trust '' ( Renaissance Trust 2007-1 which was part of the 16B DOJ settlement against XXXX ) does not exist/never registered w/IRS as trust. d. The loan does not appear in the trust or on any other balance sheet and was removed from the credit bureau XXXX XXXX. ( original lender XXXX XXXX went XXXX in XXXX ) e. More than 50 examples of accounting fraud/malfeasance/incompetence including using bogus " Escrow shortages '' and no less than 6 theories of default used ( and debunked ) to justify foreclosure. ( Accounting examples sent under separate cover ) However, in a MSJ hearing on XX/XX/XXXX, the judge said we were prohibited from presenting our findings in a court of law because of " Res Judicata '' - even though evidence of these claims has never been presented due to the non-judicial nature of previous hearings. While this finding will likely ultimately be overturned, in the interim we would like to just payoff the note. Even though their own 30b6 deponent testified they don't own the note and that they manufactured the default, they are demanding TWICE the note amount to redeem/payoff. Our note amount was XXXX - as of XX/XX/XXXX they want XXXX! In Ocwen 's typical lack of accounting veracity, the amount keeps going up in XXXX increments every couple of weeks ) We are willing to quit fighting these criminals and let them walk away with a windfall of the note amount but that isn't enough for them- they want to strip us of all equity as well. Ocwen 's latest attorney, XXXX XXXX of XXXX XXXX, ( there have been many ) stood in the well of the court and SCREAMED at the top of his lungs at the judge 's suggestion that we settle that he would " NEVER EVER EVER SETTLE, '' claiming he would take it to the Supreme Court before he settled with us. ( Really ). When the judge asked him where he got the note he basically replied that it doesn't matter, because they won. ALL WE ASK is to pay the note amount and end this decade long battle. ( during which Ocwen 's henchmen have tormented us not just inside the courtroom but by continually breaking into our home, XXXX XXXX XXXX and XXXX me at my place of employment, and even coming to our XXXX XXXX XXXX. ) They would rather SPEND another XXXX than RECEIVE XXXX to just end this nightmare. Why? Given they own nothing, XXXX is a nice windfall. We are willing to drop all legal measures and end this permanently. Just let us pay the note amount and we will be gone forever. That seems pretty reasonable. Thank you for your attention to this matter, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage is imposing force-placed insurance when we already have adequate coverage on our property. PHH sent letters dated XX/XX/XXXX and XX/XX/XXXX, both of which falsely claim that there was a lapse in insurance coverage on our home from XXXX. XXXX XX/XX/XXXX or early XX/XX/XXXX, XXXX sent our policy renewal to XXXX XXXX XXXX XXXX our previous loan servicer. XXXX did not pay the renewal from escrow as expected, so we directly paid our XXXX policy for the period XXXX. Our loan was transferred to PHH on XX/XX/XXXX. We provided PHH with the declaration pages for our XXXX policy. In a follow-up phone call to PHH, an agent communicated that the policy was unacceptable because of an error in the property description. XXXX corrected the error in the property description. In doing so, they cancelled the existing policy with an effective end date of XX/XX/XXXX. XXXX then issued a new policy for XXXX. PHH paid for the new policy from our escrow account. *PHH sent a letter dated XX/XX/XXXX, claiming that there was a lapse in coverage from XXXX and would charge us {$190.00} to cover the lapse. In a follow-up call to PHH, the agent said that they did not have proof of insurance for the time period in question ; we pointed out that we had provided the declaration pages for the policy ; PHH said that the declaration pages were not acceptable. *On XX/XX/XXXX, we provided a letter of experience from XXXX XXXX which states that our home was insured for the time period in question. In a follow-up call with an agent, PHH stated that this letter was unacceptable. *We provided PHH with contact information for XXXX insurance on 2 occasions, most recently on XX/XX/XXXX. PHH did not contact XXXX. XXXXPHH sent a letter dated XX/XX/XXXX stating that they would proceed with charging us {$190.00} to cover the time period in question. *Over several calls to PHH XXXX most recently on XX/XX/XXXX with agent XXXX, PHH stated that it never received the declaration pages for the policy covering XXXX. I again sent the declaration pages on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I As a XXXX veteran an my mom a elderly widow spouse we have continuously being trying to get a loan modification completed with the Original servicer which is Owcen which resulted in lots of back and forth with their relationship managers after that it was referred to PHH Mortgage and entity under Ocwen a same situation always a late response and always outside of their timeline then it is in XXXX also an entity of Ocwen. All fully completed motivation packets have been submitted to all these servicers since a decade ago and they have the same games that they are doing over and over defaulting that no programs will work in the best interest. They continued to switch relationship managers so that it works best in their favor I would request that they get provide all the modifications submittals since they were HAMP and other programs available and mostly qualified for that they swept under the mat to cover up to not comply with the programs set into place to help homeowners that were struggling just so that they can benefit in the long run They were also reverse mortgages where the elderly can be assisted since there is equity in the home but none was offered. Again here we see the consumers being taken advantage of and in the end you put a XXXX veteran and a widow in the streets with no care in the world. I will also like this XXXXXXXX XXXX and XXXX XXXX notified as to the wrong doing and see what is there response. The loan has moved so much between these three companies no one has the original documents, would like to see all loan modification documents submitted to these companies.
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am locked out of my house. I am temporarily living with my XXXX XXXX while recovering from multiple hospitalizations. 4 hospitalization stays in the last 2 years. Last discharge date was XX/XX/XXXX. Last long term stay XXXX XXXX XX/XX/XXXX. I have a year from this date to return home. My medication is being adjusted and because of my age and weight its a slow process. I have also had to evict my grandson from the property as he was stealing from me and abusing me while I was living with him. All of my money was taken by him to gamble away. There is a elder abuse case in XXXX XXXX XXXX. My XXXX arranged for the reverse mortgage and then he stole the money from the house. The money was deposited into my checking account and then he transferred the funds into his account. XXXX XXXX bank failed to monitor bank account transfers, they should have caught the illegal transfers my son made. My XXXX is deceased and I cant do anything about that now. It took me a year to get my grandson out of the house and then XXXX XXXX XXXX, hired by XXXX mortgage, entered my home illegally. They said it was abandoned. It was not. I had a lock box on the front door because I was having repairs made. My XXXX caused a lot of damage. He sold off a lot of my possessions. My XXXX XXXX called guardian asset management and notified them that they had taken possession of my property and it was not abandoned. My property manager has been over several times and the lock box remains. They changed the locks on my house and I dont have the keys. It has been 2 weeks since they were notified and I still cant get into my own home. The property has a reverse mortgage and they are trying to force me out! I have never received a penny for my house! I was scammed by XXXX XXXX and the mortgage company. I never knew he could take cash out. I have vision problems and cant see very well. This is being typed by XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a material breach and a personal attack from Ombudsman XXXX XXXX. She has acted in bad faith. She had no intention of mediating this. I blame her, as she represents this behemoth and I trust is behind this " response ''. PHH Mortgage is seeking to cover-up its wrong-doing by misrepresenting and using deceitful practices that have proven harmful. It's taken me awhile to piece all this together as I'm a struggling XXXX trying to prepare for a tour, observe XXXX, and remain calm and here I am seeking justice and being actively denied and not helped. As I've stated to XXXX XXXX, at this point PHH Mortgage is liable for ALL damages both to myself and XXXX Bank for whatever debt may or may not exist. Here are the facts, I've closely documented and sent evidence into the law firm of XXXX and XXXX for review. The fact is, PHH Mortgage actively blocked me from my account. That is not only a fact but a violation PHH Mortgage continues to overlook. I had to fight to even gain access to understand the contract and to perform the needed actioned as successor in interest. All this proven. It was a violation that incurred real damages and by PHH Mortgage admittedly denied me and bungling all this, do they deny? They don't get to walk away XXXX free after ruining peoples lives. And I will have justice. After denying me while struggling through a pandemic, I fell short and went into default, PHH Mortgage that up until that time actively denied me my rights took money from me, demanded more, destroyed both ( 2 ) cashiers checks, and then demanded more or they would auction my home. Now does that seem fair or reasonable? Deceitful at best, and these actions added undo stress and pressure when I was already struggling with the death of my Mother, covid, and sincerely trying to earn a living to cover my expenses. All this while barring me from my account, as PHH Mortgage still vacillate between its position, the recordings and mail will prove. After that ordeal, I began getting paperwork reflecting this home as paid off ; I had questions. These questions remained unanswered and I was given the runaround, the record will prove. Due to the breach of contract and PHH Mortgage actively denying me, abandoning its fiduciary role as servicer, the trust broke down, and PHH Mortgage IS liable. I felt, and reasonably so, grew suspicious of this company, and when PHH Mortgage refused to service me and remedy the issue by addressing my valid concerns in a timely matter I stopped paying. What other option was I left? PHH Mortgage refused to cooperate. I was already violated and denied all help after my Mothers passing, suffered through covid with no options of relief ( well documented ), overcame the unfair practices displayed by this behemoth and now I am clear. I am a victim of this company and should NOT be expected to pay when I was purposefully put in this dangerous situation, denied all help, and expected to just figure it out. A contract exist for a reason, PHH Mortgage doesn't get to change the rules as the go along. The fact is, the rules are clear and PHH Mortgage is in violation. Where in the land records are any of their claims substantiated? I've paid and looked into it and nowhere do I find PHH Mortgage listed as the legal servicer. They claim they deactivated it because it was delinquent in 2013, but that isn't true, it was a court order through bankruptcy meant to be a relief to my Mother, and there was in fact no reason to deactivate and eliminate MERS if there is still a active balance being collected on. MERS does NOT indicate delinquent-inactive status. So from XXXX where are the records of any of the alleged actions? XXXX knows the truth here, PHH Mortgage dropped the ball and are liable for all damages. Intentionally handling this in a way so as to put the consumer at a disadvantage. I've already stated everything in my demand letter, as an American I have a right to defend my rights and freedoms, this is MY land and I will die for what is mine. For PHH Mortgage I'm just a number but this is my life that I've been fighting for now years. So I won't go quietly in the night and let these criminals get away with mistreatment, unfair, deceitful and manipulative ways. PHH Mortgage kept me in the dark and impeded my ability to perform. These actions were intentional and deliberate. In all this, when will PHH Mortgage be held responsible? What responsibility do they hold in all this? PHH Mortgage is liable. If no one will help me, thats fine but I'll get justice if I have to rip it out of the grips of these criminals. What they've done is XXXX and are now trying to penalize the victim after having took their peace of mind, safety, opportunity, lets now throw the victim to th street. Unacceptable I will NOT take any further abuses from PHH Mortgage. They ar on notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I took out a HELOC in XXXX with GMAC and paid it off 15 years ago in XXXX at refinance settlement with XXXX XXXX XXXX ( Please see attached Settlement Statement showing payoff with XXXX XXXX XXXX as well as the paid-in-full letter from GMAC XXXX XXXX ) XXXX However, GMAC never released the XXXX. XXXX XXXX was a savings and loan association that was based in XXXX, California. The company underwent bankruptcy and was divided up between XXXX XXXX in XXXX, which in turn was acquired by XXXX XXXX in XXXX & Ocwen Loan Servicing which is now PHH Mortgage. We filed a CFPB complaint against XXXX XXXX ( Case number : XXXX ) In response to that complaint, XXXX XXXX has XXXX the following : The loan referenced was serviced by GMAC. GMAC was acquired by Ocwen Loan Servicing who is now PHH Mortgage. ( The full response from XXXX XXXX is attached to this complaint - " XXXX response XXXX '' ) We have enclosed the HUD Settlement Statement, which confirms the payoff of the second mortgage was to GMAC. The attached Deed of Trust shows the lender as XXXX XXXX XXXX XXXX XXXX ( XXXX ), the nominee for GMAC. Based on the above information we received from XXXX XXXX, ( XXXX response XXXX ), we hereby demand action be taken by PHH Mortgage to provide a release of the XXXX lien in question.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We purchased the home in XX/XX/21. Since then the home has gained value. It's a new construction home. PHH mortgage company said they would be willing to drop the PMI with a new appraisal. I mailed the money to pay for the PMI drop and they received it. A week later they mailed me a letter saying the cost had gone up. I mailed a second check. For one month they said an appraiser would call me to schedule the new property appraisal. The appraiser never called. I called PHH mortgage multiple times and they told me they would escalate the issue with the appraiser. Then one week ago they called and said I needed to make major improvements to the house for them to give us additional value. The home is brand new, we can't and won't make any major improvements. I work for a mortgage lender and completely understand the process and this is not correct. Please help! Our current LTV is 66 % well below the 78 % needed to drop PMI
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A