Date Received: 2023-02-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I refinanced my property on XX/XX/XXXX with XXXX XXXX. XXXX informed me that they were an in-house lender and that it would not sell the mortgage. On XX/XX/XXXX, Wells Fargo filed a Petition to Enforce Promissory Note with Recognition of Mortgage seeking to Enforce the Promissory Note. On XX/XX/XXXX I disputed the authenticity of the mortgage and the amount owed. XXXXXXXX XXXX was claiming to be the servicer of the mortgage at this time and claiming Wells Fargo as the as the owner of the mortgage. On XX/XX/XXXX, during litigation, XXXXXXXX XXXX informed me that they were transferring servicing of the mortgage to XXXX XXXX Shortly thereafter, XXXX XXXX informed me that XXXX XXXX had transferred servicing rights to them. I immediately contacted XXXXXXXX XXXX and informed them that the case was in litigation, and that I was disputing Wells Fargo 's claim of ownership, and Wells Fargo'sXXXX 's presentation of a fraudulent assignment of Mortgage from an XXXX employee acting on behalf of XXXX, falsified Affidavits of Amount Owed and a forced place Insurance against my property and an erred and substantially inflated Affidavits of amount owed. These Affidavits of Amounts Owed are the identical Affidavits XXXX was prohibit from ever using again in a suit filed by the CFPB. XXXX followed with the same identical Affidavit with a substantially increase in amount owed. After informing XXXXXXXX XXXX of this and notifying them that I was going to file a complaint with the CFPB, they notified me of a " Notice of Ownership Change '' on XX/XX/XXXX, and a " Notice of Servicing Transfer on XX/XX/XXXX informing me they were transferring the subject mortgage to XXXX XXXX XXXXXXXX XXXX followed up with me informing me that they were now servicing the mortgage. I informed XXXX XXXX that I was disputing the authenticity of the mortgage and the amount owed. XXXXXXXX XXXX failed to respond to my phone calls and are sending me monthly statements with a {$50000.00} increase in amount owed. On XX/XX/XXXX, the trial court Granted Wells Fargo Summary Judgement against me. On XX/XX/XXXX I filed a " Notice of Intent to Appeal '' On XX/XX/XXXX, the Appellate Court reversed the Trial Court 's decision finding Wells Fargo failed to meet its burden to establish that it is the proper party to enforce the promissory note at issue. As mentioned above, on XX/XX/XXXX, I received a " Notice of Ownership Change '' verifying the subject mortgage was transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX not in its individual capacity but solely as Trustee of XXXX XXXX XXXX XXXX. Wells Fargo claims to be Trustee in its Petition against me on XX/XX/XXXX. Wells Fargo is not the holder of the promissory note and has never acquired it as claimed. Wells Fargo and XXXX XXXX have presented Falsified Affidavits of Amount Due, a Fraudulent Corrective Assignment of Mortgage from an XXXX employee XXXX on behalf of XXXX, and a forced place Insurance policy on my property that refused to pay for damages storm damage. XXXX XXXX, claiming to be the new servicer has sent me notice of another forced place insurance with the same company that refused to pay for damages in XXXX. I litigated the matter back in XXXX, but the judge could not conclude the actual amount owed on the property so the case was dismissed. I have over {$100000.00} of repairs that yet remain to be repaired due to the forced place insurers refusal to cover damages incurred my home. My Mortgage amount owed back in XXXX was {$37000.00}.
Company Response:
State: LA
Zip: 70003
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Suffered water damage in home in XX/XX/XXXX. Insurance company has paid on claim in full. PHH has had the money since XX/XX/XXXX. PHH sent an inspector who conducted final inspection and approved it on XX/XX/XXXX. They were to disburse all funds to me within seven business days of final inspection. Have been in constant contact with them and they keep saying they have to wait for the proceeds and that they are waiting for the " financials to update and clear, '' even though they've had the funds for over three weeks. Have even talked to a " specialist '' there who is no help. They can not give me a date when they will send my money. I need it to pay off my contractor who is threatening to add interest and file a lien. I am XXXX XXXX XXXX and living XXXX XXXX XXXX XXXX. I need MY money.
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I sold the property that the mortgage is for. It is now XX/XX/XXXX and I have still not received an escrow refund check for over {$1000.00}. I reached out to the mortgage servicer, PHH mortgage, and they informed me that PHH does escrow refunds in 'batches ' and it is likely that my batch had not been processed yet. It is my understanding that mortgage servicer 's have 20 business days to refund escrow accounts, and I am now at nearly 40 business days.
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In 2006 I was scammed in buying this house, I didn't know that the XXXX women I was dealing with were scammers, they forced me to buy this house and they signed my name on different documents behind my back, i put all my money that I got from my accident into my house only to find out that XXXX XXXX put her name on my property without my knowledge and went on get loan my forged my name by signing documents that I didn't know was going on, the court gave the order for me to pay the bank and save my house and the bank is suing XXXX XXXX by to save my house i from foreclosure i need help please because I can't loose my house every cent i got is in this house if someone can please call me ill tell everything, all the attorney i got to help me just take my money and leave me, so the XXXX gave me XXXX XXXX XXXX to take up my case, im not well because of the STRESS that im going through, XXXX XXXX is going to send you all the documents that you need to h
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is in response to a recent communication from XXXX XXXX XXXX dated XXXX XXXX XXXX, received XX/XX/, in regard to my request for a yearly tabulation of the rearranges. I have attached a response from PHH clearly stating my request and letter requesting additional time to provide me the information we requested. On XXXX XXXX XXXX I received a letter dated XXXX XXXX XXXX that once again did not address my concerns. I have attached in a PDF communication from PHH stating my request and requesting additional time in order to provide me answers to my request along with the final letter I received XX/XX/, dated XX/XX/2023. The letter dated XX/XX/2023, received XX/XX/2023, did not address my request at all. In closing, our property has been posted for foreclosure. The information we ask for seems like it would have been the same information needed to create a trial modification. Understanding our payment after the trial period would be critical to know. As I stated initially, this process has been inconsistent with irregularities to say the least. We scheduled several appointments with our Escalations Manager to no avail and her replacements for the appointments had little or no information to provide and even less resources. The entire balance is being charged with no concessions, nor did we request any. We think it is only fair to know what is in the contract. We should have an opportunity to consider everything and sign on knowing what our commitment will be. Genuinely, XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX My divorce was settled and the judge stated my ex-husbands name must come off the XXXX XXXX and XX/XX/XXXX was the deadline or it would go on the market. At the time that seemed like plenty of time to me and I never thought I could be at risk of loosing my home. XX/XX/XXXX My ex and I filled out all the paperwork and were told we would not have to re-finance that there we be an " assessment '' of the condo and a " processing fee '' and his name would be removed. XX/XX/XXXX the Assessment finally came in and I got it XX/XX/XXXX. I was told late XXXX I needed to gat a XXXX Deed and send in a {$900.00} processing fee and his name would be removed. We would be done. So I had an attorney draw it up and both I and my ex had it notorized. Then I took it to the court house and filed it with the county clerk. XXXX XXXX is no longer on the deed to my condo. On XX/XX/XXXX I overnighted the XXXX Deed and a {$900.00} XXXX XXXX XXXX and sent it certified mail. XX/XX/XXXX The Mortgage company signed for the package. XX/XX/XXXX XXXX deposited the check. Then passed my file to a new mortgage handler. XX/XX/XXXX I called to ask for an update on the name removal and they informed me they sent EVERYTHING including the check to the new mortgage handler and I would have to start from the beginning with them. XX/XX/XXXX XXXX in the XXXX Department told me 2x that the load was modified and that the name would come off within 7-10 business days. I explained to XXXX that I had to report back to my attorney a timeline due the the XX/XX/XXXX deadline and he assured me it might not be the first but it would be close. XX/XX/XXXX XXXX in Modification Department says the modification is not complete as they need the XXXX Deed. And that there is a 3 month trail before the name comes off. XX/XX/XXXX XXXX in Modification Department lets me know there is 60days after the trail is complete. Each time I report back to my attorney and the witholding of information is really hurting me! I typically call every Monday, Wednesday and Friday since XXXX and we are now in to XXXX. The new handler took until 2 weeks before my deadline to tell me me there would be a 3 month trail period then 60 more days. They never mentioned any of this in all of the many many many calls and e-mails. There was never a chance of me making a XX/XX/XXXX deadline. Everyone knew it every time I spoke to them and nobody told me. Since there was a judgement involved I had been keeping my attorney updated weekly and they are upset also at the treatment I have been getting and urged me to lodge this complaint.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, This is our 18 time writing a complaint about Ocwen Loan Servicing. Ocwen acquired XXXX XXXX XXXX to collect debt for them. XXXX XXXX XXXX was not licensed in the state of Maryland. Ocwen were using a company unlicensed and could use any deceitful tactics to collect. Attorney for Ocwen XXXX XXXX has stated Ocwen legally did notting wrong.
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH serviced a mortgage for me. I sold the home on XX/XX/XXXX. The escrow company, XXXX XXXXXXXX XXXX XXXX sent a wire to PHH on the same day to pay off my mortgage. PHH returned the wire on XX/XX/XXXX, so XXXX XXXXXXXX XXXX XXXX resent the wire for the payoff. PHH returned the wire again on XX/XX/XXXX. XXXX XXXX XXXX XXXXn ended up sending PHH a check for the payoff on XX/XX/XXXX. XXXX XXXX XXXX XXXX took a loss because of the returned wires of {$430.00} PHH is charging me a late fee since my mortgage was not paid off by XX/XX/XXXX. I called PHH and spoke to XXXX. She was unable to answer my questions and there wasn't a supervisor available. Thanks!
Company Response:
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased a new home, closed XX/XX/2022 with XXXX Mortgage. It was known to them that I would be doing a recast on my VA loan after we sold our existing home. This was allowed by XXXX, prior to XX/XX/2022 they sold/ transferred my mortgage processing to XXXX Mortgage. I contacted XXXX mortgage around mid XXXX to start the recast process on my mortgage. I was instructed by their operator that they would note it on the account & I was to send in the funds that I wanted to use for the recast of my mortgage. I wired them {$150000.00}. I was told upon receipt of that, it would start the process, they would send the recast documents & I would sign and return them. I waited roughly XXXX weeks, no documents. I called them on XX/XX/XXXX, spoke with XXXX from their escalation team, they had misappropriated my funds as a principal payment. She tried to have it reversed & for them to do the recast on my mortgage. Once again I was told to wait while she worked on it. I waited another week to 10 days, called them back again & spoke with XXXX, she informed me that they rejected my request for a recast. I have tried once again to request them to correct this, I did NOT ask for them to be my mortgage processor, I most certainly would NOT have agreed to change processors knowing that they would NOT honor my previous mortgage lenders policies that would allow me to recast my mortgage. I would like to either have them be required to allow my loan recast to take place XXXX have my mortgage services moved to a company that will allow me to recast my mortgage as originally planned once we sold our previous home. Your help would be greatly appreciated. thank you! XXXX XXXX
Company Response:
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mothers mortgage was transferred from XXXX to PHH Mortgage. In XXXX we received foreclosure papers stating that the property taxes had not been paid. We sent PHH the receipt that the property taxes were paid on XX/XX/XXXX. We then received notice that they also paid the taxes and started foreclosure on the property even though they had no reason for default. They charged us XXXX in attorney fees that have not been cancelled. They eventually credited us for the property taxes they charged her account for. During this time my mothers home flooded and we received a insurance check that PHH was holding. PHH received XXXX. We had demolition completed on the property with XXXX in the amount of XXXX in XXXX. The PHH inspector came out and authorized the release of the initial funds. We called several times and did not receive a check. We had to pay out of pocket because XXXX was going to put a lien against the property. Phh was supposed to release a check in the amount of XXXX. We called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX and sent emails. On XX/XX/XXXX we requested by email the funds to complete the work. My mom did not have personal funds to complete the work. We were told the check was lost and they would reissue the check. We finally received the check in the end of XXXX. We completed all of the work and kept in constant communication with PHH. They informed us that they had her account under Covid relief and her home would be safe. They then filed foreclosure against her on XX/XX/XXXX. XXXX, my mother passed away on XX/XX/XXXX. We had all repairs completed by the end of XXXX and ordered the final inspection which was completed by PHH on XX/XX/XXXX. The inspector turned in his report and this should have closed out the file. I also sent them the personal representative papers so they could contact me in regards to the work and foreclosure. We went to mediation and they are still suing my mother for repairs which are complete. They sent a letter on XX/XX/XXXX for a status update on the repairs. I would think that sending the inspection report and pictures that their inspector signed off on in XXXX would be sufficient. I have asked several times for 6 months to sell my mothers property and I can not get a response. We also requested 3 times a payoff and they never mailed it and claimed they had the wrong email. This is a direct RESPA violation. PHH should refile the claim against myself since my mother is deceased. I also am requesting all attorney fees be waived since we complied with all of their requests from the beginning, They lost the documents yet proceeded with their predatory lending against an elderly individual. As of XX/XX/XXXX PHH 's portal still shows that the claim is not complete. They still owe us {$3500.00} in insurance money and will not respond. I have all supporting documents if you need this.
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A