Date Received: 2023-02-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I would like to get my share of the recent CFPB settlement with WELLS FARGO BANK for wrongful foreclosure as described below on my prior complaint # XXXX. I understand this claim can be sent through CFPB to WELLS FARGO. YOUR COMPLAINT Wells Fargo as trustee for XXXX XXXX XXXX XXXX foreclosed and sold my house yet according to the SEC records XXXX trust never existed. I called the SEC also and they confirmed that the trust never existed/was never registered/no XXXX. This nonexistent entity foreclosed, sold and collected secondary insurance through the alleged servicer XXXX XXXX located in XXXX XXXX XXXX Florida. How could this happen? XXXX is lying as they have done the whole case/totally fraudulent. Here attached is proof that they made a claim to XXXX XXXX XXXX lnsurance Company XXXX XXXX XXXX XXXX XXXX, NC XXXX for my mortgage/they are lying that no claim was made. XXXX should be shut down and all the wrongs done against customers be reversed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX ' # XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Original Creditor : XXXX, XXXX Loan Amount : Loan Number : Insured : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX T : XXXX XXXX XXXXXXXX XXXX {$220000.00} XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : This letter concerns the deficiency remaining on the above-referenced loan. As the private mortgage insurer of the loan, XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) has paid a claim on behalf of its insured, XXXX XXXX XXXX and has been assigned and or is fully subrogated to the rights of its insured to assert claims against you as a result of your default in payment on the loan and the resulting deficiency after the foreclosure sale. XXXX XXXX is limited by the contract of insurance with its insured to recover only the amount of the Claim it Paid {$110000.00}, which in this case, is less than the Deficiency {$230000.00}. Demand is hereby made for payment of the sum of {$110000.00}. If this debt is not disputed, mail to this office a check made payable to XXXX XXXX for the full amount due and owing that must be postmarked no later than thirty ( 30 ) days after receiving this letter. If you are unable, ,to send the balance in full., please contact our, office to discuss repayment arrangements. Should you have any questions concerning this matter, you may call me at XXXX. You are encouraged to contact our office to discuss this matter, as we remain interested in resolving this matter amicably. Note that this letter is attempting to collect a debt and any information we obtain will be used for that purpose.l NOTE : IMPORTANT INF0RMATION MAY BE FOUND ON THE SECOND PAGE OF THIS NOTICE. 1. If you are in bankruptcy or received a Bankruptcy discharge of this debt, this letter is not an attempt to collect. YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, Florida XXXX United States MORTGAGE ADDRESS SAME AS MAILING ADDRESS No MORTGAGE ADDRESS XXXX XXXX XXXX ct XXXX, Florida XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH MORTGAGE, It appears the Payment amount is incorrect and needs to be adjusted properly before payment can be made. ( 1 ) Payment should be {$1100.00}. P & I = {$930.00} ( 2 ) Escrow Deposit {$260.00} ( - ) {$38.00} ( Insurance Escrow is not part of the Mortgage Note PHH purchased from XXXX XXXX This has been proven! Plus Escrow shortage of {$25.00} This Payment amount should be {$1200.00} ( - ) {$38.00} = {$1100.00} or Original Mortgage Note amount {$1100.00} + Escrow shortage of {$25.00} = {$1100.00}. Please correct the payment amount and payment will be made. This is not a late payment it is a lender error. Any questions please Call XXXX XXXX @ XXXX. Please speak English when phone call is made. Thank You XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68135
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have successfully completed the PHH trial payment period, executed PHH loan modification documents, and am current in my monthly mortgage payments and YET PHH has NOT filed a NOTICE OF RECISSION OF TRUSTEE '' S SALE ( as PHH rep 's promised they would and send me a conformed copy from the XXXX XXXX XXXX XXXX XXXX ) and continues to report false information to the credit bureaus thus PREVENTING ME and causing me irreparable financial damage as I can NOT obtain mortgage loan or any other consumer loans
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mother 's reverse mortgage was previously with XXXX XXXX. For the past five years, I have been able to speak on her behalf with the submission of a durable POA. Every 6-18 months, I submit a certificate of occupancy ( it was supposed to be annually, but I was late a few times ). On XX/XX/XXXX and again in XX/XX/XXXX, as her attorney-in-fact, I submitted a certificate of occupancy to XXXX. In XXXX, I was notified that PHH acquired the loan. I called several times to discuss the loan and was told I was not authorized. I needed my mother to verify verbally. However, my mother has been diagnosed with XXXX XXXX since XXXX. On XX/XX/XXXX, I received a letter of foreclosure. I again called PHH and was told they could not talk to me. I re-submitted the POA on XX/XX/XXXX. I called a few days later and was told the documents were still under review by the legal department. I called the following week and was told the legal department did not accept the POA. Per PHH Representatives ( XXXX # XXXX ; XXXX # XXXX ; and XXXX # XXXX ), PHH 's legal department is refusing to accept the occupancy document signed by XXXX and refused to accept the POA document due to the lack of the borrower 's name on the notarized page... WHICH IS INCORRECT. XXXX XXXX XXXX is stated and signed on the notary page. I have been calling everyday to resolve this issue, but get the same information. I spoke with XXXX # XXXX and was transferred to the Supervisor XXXX # XXXX, who assured me he would call me back. NO ONE EVER CALLED US BACK. PHH representative ( XXXX # XXXX ) advised me to submit an " At Risk Extension '' with a letter from my mother 's physician to stop the foreclosure process, which I did last week. I followed up, and no one will talk to me. I sent several emails to XXXX and XXXX with the documents PHH requested, including : letters from my mother 's XXXX, a letter from a lawyer stating the POA in question " meets all the execution requirements set forth in OCGA 10-6B-5. The POA is valid and should be accepted. '' Yet, PHH is continuing the foreclosure process without letting me speak on my mother 's behalf. I have called every day and spoken with two supervisors, who promised to call back but have not. Today I had another call with PHH representative XXXX # XXXX, who is now stating that the reason PHH lawyers are not accepting the Durable POA is because my mother 's name ( the borrower ) is listed above the notary seal and above the statement " in the presence of. '' I asked several notaries, and they stated this is ridiculous, and that this entire process appears predatory. It was suggested that PHH mortgage company is not trying to act in good faith for the customer. I checked several reviews about this company, and they have had many negative reviews. Therefore, I would like to file a formal complaint. I have complied with their request to send letters from a physician, resent the POA, and completed and submitted the " at risk extension '' document, and yet they have made NO ATTEMPTS to help us resolve this issue. And on top of all that, I noticed we were being charged additional legal and corp adv fees on XX/XX/XXXX. Still, on this day, XX/XX/XXXX, PHH refuses to talk to me to resolve this issue. We have had our home since XXXX and DO NOT WANT TO SELL or Foreclose on the home. Respectfully, XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I initiated the process of re-evaluating the value of our property so that the PMI payments could be removed. PHH sent a letter that requested I send a payment of {$150.00}, and I did. They cashed the check. Then they sent a message saying that actually the cost was now {$190.00}, so I would have to pay an additional {$40.00}. I don't think this is lawful, from a contract perspective, because they quoted a price, I paid, and they deposited my check. I also think it is exceptionally bad business practice and ethics for any company that isn't extortionary.
Company Response:
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX has committed several errors. # XXXX they will not accept a recorded XXXX XXXX XXXX, naming the heir as beneficiary of the estate. In the state of Florida a XXXX XXXX XXXX serves in lieu of probate or a Last Will and testament. Additionally, XXXX is showing the property as a Real Estate Own, when in fact the never successfully foreclosed on the property. XXXX is still under the name of XXXX name and they refuse to review for a loss mitigation due to this errors
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We conducted the closing for our new home on XX/XX/2022, before this we asked the mortgage company XXXX XXXX XXXX ) many times to remove the Private Mortgage Insurance ( PMI ) from the monthly payment as we have already paid 20 % of the home price, XXXX XXXX kept procrastinating removing the PMI even after the Notary asked the mortgage company reps ( XXXX XXXX XXXX ) over the phone to remove it, XXXX XXXX asked us to sign the Closing Disclosure Documents then he will remove the PMI, suddenly after that we discovered that XXXX XXXX has sold the Home Mortgage to another company ( PH Mortgage Services ), I contacted them and asked them to remove the PMI, PHH refused to do so as they said that they received the mortgage with PMI payment during the first two years. I kindly ask for your help in order to remove the monthly payment of PMI from my home mortgage especially that I already paid 20 % of my home price. Thanks,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I hired XXXX XXXX XXXX in XX/XX/XXXX to help with a Modification. This firm took XXXX upfront without completing the modification and leaving my home in foreclosure. I contacted XXXX XXXX XXXX XXXX and they help me. The mortgage relief program paid Phh mortgage and got the house out of foreclosure. I applied again for a Mortgage modification with Phh in XX/XX/XXXX. Since then, Phh is continuously not reviewing the papers I upload to the XXXX and sending letters that my application expired. I am constantly calling asking what they need and promptly uploading the documents. Now, I have been having difficult being XXXX XXXX XXXX and my job not paying me for the days I am out. I fell behind one payment for XX/XX/XXXX. Phh put me in a forbearance plan again. I called them and stated I did not wanted to be because I was afraid I would loose my home. They are not listening and they say is better to save my home while they are working on reviewing my Modification Application. I do not understand what repercussions a forbearance plan can have and it will be very difficult for me to pay almost XXXX dlls in XXXX.
Company Response:
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a mortgage loan from PHH MORTGAGE SERVICE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PHH MORTGAGE SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and PHH MORTGAGE SERVICE with no successful resolution. XXXX reporting me 30 days late in XXXX of 2022. There was an error on their part. I was never 30 days late.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello- I filed XXXX XXXXXXXX XXXX with XXXX WA XXXX XXXX XX/XX/23. After filing, i was served foreclosure papers from my PHH Mtg. With an auction date of XX/XX/23. I am also working on getting a modification and have submitted the application for HAF to XXXX and received courts approval to pursue HAF at the XXXX XXXX meeting. I can not afford an Attorney as i try to save my home so i am turning to you to ask if i am safe from foreclosure on the XXXX of this month? Why did they pursue this after being notified of my Bankruptcy?
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A