Date Received: 2022-10-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is the second complaint which I am filing against PHH Mortgage Services reverse mortgage debt collector. The first is CFPB case number : XXXX. I have communicated with various customer service representatives after the passing of my father on XX/XX/XXXX. As difficult as it was to speak with a different representative every time I called, I thought that I was following the correct steps to repay the loan. I completed the paperwork as the executor of his estate declaring that the home would be sold to pay the reverse mortgage loan. I requested more detailed information on how the loan payoff amount was calculated as well as line of credit distributions that were paid to my father. I received this information after filing the first complaint. I have a different issue which is very problematic. The home was sold by auction on XX/XX/XXXX. The buyer and closing attorney set a date of XX/XX/XXXX for the closing. This could not be carried out because the mortgage company has a title XXXX on the home and will not release it. I was given the name of XXXX XXXX as my point of contact as I requested a short sale approval for the sale of the property. The selling price of the home was less than the loan payout that is due. I can only communicate with XXXX XXXX by email. This is very difficult when I have specific questions to ask. He does not have a direct extension to receive calls. XXXX XXXX advised me that an appraisal would have to be done on the property. The mortgage company would designate an XXXX. The first appraisal was completed on XX/XX/XXXX. My sister was on site with the XXXX who thoroughly inspected the interior and exterior of the home. He stated that he would submit this information to the mortgage company. The following week I began to receive random emails from another inspector asking for access to my father 's home for inspection. I thought it was spam since this process had already been completed. After receiving a few more emails I contacted XXXX XXXX to see if he had authorized another home inspection. He said that he had due to the first inspector having technical difficulties. The second appraisal/inspection was completed on XX/XX/XXXX with my brother present on site. The XXXX took a few pictures of the interior of the home and left. When asked for an update on the short sale approval status, XXXX XXXX stated that the appraisal information had been uploaded in their system and it is now being reviewed by an underwriter. I received a call from XXXX at PHH Mortgage Services stating that my father 's home was in foreclosure and she wanted to know when the loan would be repaid. I advised her of what the current status is in terms of the home being sold and I am waiting for approval to proceed with the closing. She reviewed notes on the account and stated there was no information indicating that a sale was in progress. I gave her XXXX XXXX 's name and suggest she contact him so that she can verify what the current status. There are no words to explain how frustrated and exhausted I am in trying to resolve this situation. I have spent countless hours reading my father 's contract documents as well as researching reverse mortgage guidelines. If I had been assigned one point of contact who could provide me with detailed information and guide me through the process, it would not have been necessary to take the extra time. This process has weighed heavily on me emotionally because I am still working a full time job and trying to handle this business in my spare time. The attorney of my father 's estate is also trying to provide assistance to obtain information of what we can do on our end. As I see it the reverse loan company either wants the loan repaid ( even if it is not the full amount ) or they want the home to sell themselves. If the second option is what they want, I could have turned it over to them at the beginning of the process and prevented a lot of time and anguish in trying to resolve the debt. Any assistance you can provide once again in resolving this matter would be greatly appreciated. Thank you.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX i received a check for XXXX from PHH mortgage company stating overpayment. I called they said they were not responsible for paying my taxes and I never paid anything in escrow towards my taxes. I have a years ' worth of their statements showing monthly escrow for taxes and Insurance. They did not pay my XXXX taxes even though I paid towards them in closing. They cancelled the check, but the money has NEVER made it back into my escrow account and they have now changed my payment from XXXX to XXXX. I have called repeatedly and spoke to multiple escalation managers, and it is still not fixed and my money is missing!!! I have a tax bill from XXXX and XXXX is due in XXXX months. I just had a Escalation manager get on the phone and tell me to shut up and if I want the call to go MY WAY I better be quite and listen to him, Employee IDs ... XXXX XXXX XXXX, XXXX. I need help as they seem to believe they can do whatever they want with my money and mortgage. PHH MORTGAGE HORRIBLE BUSTOMER SERVICE
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As recently as early this morning I received a call from very rude woman and this has been happening. I called and spoke with a polite man weeks ago and he advised that he escalated the matter and someone be calling. No one called and this harassment continues. The issue is that the threat is if I don't sign the certification of occupancy I can be foreclosed. This is extreme daily stress and worry that is illegal. I don't know what else I can do to stop this from happening. Reiterate that they even sent a man in person to get this information from me. Yearly this happens. This is not the first time. This is ongoing and I feel bullied by this company. I challenge the Executives to listen to how disrespectful and abusive their staff is. It is unreal that they call and get so insulting and nasty. The reason I am being harassed constantly is that they send out the proof of residency form which I promptly return. Then a gentleman who is quite professional comes to the house to bring the same forms. He can attest that I comply even though I have sent it in. Months later I am being harassed constantly and being abused by callers threatening me for the same information. I am receiving in excess of XXXX of these per week. A month ago I was so fed-up I signed yet another and they continue to come in the mail and the nasty calls continue. I will be filing with the federal agencies. This can not continue.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Defaulted on loan, worked with mortgage company for mortgage assistance, repayment plan ... Made three timely payments back in XXXX, XXXX, and XXXX. Mortgage company stated did not received signed documents after the three payments were made. Have been working with lender to make payments since last payment was made. A couple weeks ago, I spoke with account manager/specialist, documents were submitted where approved for new plan, latter called mortgage company to make payment ( {$7400.00} ) and get back on a repayment plan. The company stated they did not file the paperwork it was an error on lenders side. Today I called again, approval was given for down payment, but customer service agent stated it was denied. I have made several attempts to make a payment to my mortgage company so I can keep the house. As of today still unsuccessful. I have a call from lender, ( specifically, account manager ) to discuss options again. Also have another call scheduled for XX/XX/26.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH Mortgage Servicing Account Number : XXXX On XXXX XXXXXXXX XXXX I called and spoke with XXXX from PHH Mortgage Services. I requested an extension to my current forbearance plan which was expiring. XXXX, based in XXXX, said yes, that would be no problem and I am eligible for another forbearance plan. XXXX also said that I would be receiving a confirmation letter TEMPORARY HARDSHIP FORBEARANCE PLAN AGREEMENT in the mail and in my Document Center in the PHH portal. That no late fees would be charged and I would not be reported the the credit bureaus as late. I never received the confirmation letter so I called back on XXXX XXXX and spoke with XXXX in the PHH Customer Care Center in XXXX, she said that XXXX told me that I was eligible but actually I am not. I was charged a late fee for missing the XXXX XXXX payment which was reversed at my request. On XXXX XXXX, I scheduled an appointment with my Relationship Manager, XXXX XXXX, for today XX/XX/XXXX ( which was the earliest PHH had available ). On XXXX XXXX I received an email reminding my of my appointment confirming I will be called at XXXX which is the correct number. Today, XX/XX/XXXX at XXXX XXXX I was waiting by my phone with the ringer on and in active mode. My phone did not ring and I emailed PHH Mortgage Services at XXXX three ( 3 ) times between XXXX - XXXX XXXX stating that I was waiting for XXXX XXXX 's call to me. After waiting for 60 minutes with no call at XXXX ( cell ) or XXXX ( home ) or XXXX XXXX ( work ) I called into PHH Mortgage Services and spoke with XXXX XXXX ID : XXXX. XXXX told me that PHH tried calling 3 times to these numbers : XXXX XXXX XXXX transferred me to XXXX, Agent ID : XXXX, the " Floor Manager '' of all Relationship Managers. I explained to XXXX the situation above and XXXX said that at any time I want to speak with a Relationship Manager I can, however when I spoke with XXXX on XXXX XXXX, she said the ONLY way I could speak with a Relationship Manager was to schedule an appointment. After speaking with XXXX about my situation for 49 minutes, he suggested that I schedule a new appointment with a Relationship Manager. He put me on hold to check for the next available appointment which was on XXXX XXXX. I said that was too far in the future and I wanted to speak with a Relationship Manager today, since today was my scheduled appointment date and by XXXX 's own statement I could be transferred to a Relationship Manager " at any time. '' I asked XXXX to find an available Relationship Manager today and explain my situation before transferring me to the Relationship Manager. XXXX agreed. He transferred me to XXXX XXXX, PHH Mortgage Servicing Account Number : XXXX On XXXX XXXX, 2022 I called and spoke with XXXX from PHH Mortgage Services. I requested an extension to my current forbearance plan which was expiring. XXXX, based in XXXX, said yes, that would be no problem and I am eligible for another forbearance plan. XXXX also said that I would be receiving a confirmation letter TEMPORARY HARDSHIP FORBEARANCE PLAN AGREEMENT in the mail and in my Document Center in the PHH portal. That no late fees would be charged and I would not be reported the the credit bureaus as late. I never received the confirmation letter so I called back on XXXX XXXX and spoke with XXXX in the PHH Customer Care Center in XXXX, she said that XXXX told me that I was eligible but actually I am not. I was charged a late fee for missing the XXXX XXXX payment which was reversed at my request. On XXXX XXXX, I scheduled an appointment with my Relationship Manager, XXXX XXXX, for today XX/XX/XXXX ( which was the earliest PHH had available ). On XXXX XXXX I received an email reminding my of my appointment confirming I will be called at XXXX which is the correct number. Today, XX/XX/XXXX at XXXX XXXX I was waiting by my phone with the ringer on and in active mode. My phone did not ring and I emailed PHH Mortgage Services at XXXX XXXX ( 3 ) times between XXXX - XXXX XXXX stating that I was waiting for XXXX XXXX 's call to me. After waiting for 60 minutes with no call at XXXX ( cell ) or XXXX ( home ) or XXXX XXXX ( work ) I called into PHH Mortgage Services and spoke with XXXX XXXX ID : XXXX. XXXX told me that PHH tried calling 3 times to these numbers : XXXX XXXX XXXX transferred me to XXXX, Agent ID : XXXX, the " Floor Manager '' of all Relationship Managers. I explained to XXXX the situation above and XXXX said that at any time I want to speak with a Relationship Manager I can, however when I spoke with XXXX on XXXX XXXX, she said the ONLY way I could speak with a Relationship Manager was to schedule an appointment. After speaking with XXXX about my situation for 49 minutes, he suggested that I schedule a new appointment with a Relationship Manager. He put me on hold to check for the next available appointment which was on XXXX XXXX. I said that was too far in the future and I wanted to speak with a Relationship Manager today, since today was my scheduled appointment date and by XXXX 's own statement I could be transferred to a Relationship Manager " at any time. '' I asked XXXX to find an available Relationship Manager today and explain my situation before transferring me to the Relationship Manager. XXXX transferred me to XXXX XXXX, XXXX XXXX, Relationship Manager
Company Response:
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On the XXXX of XX/XX/XXXX, I engaged XXXX XXXX XXXX ( XXXX ) to act on my behalf to get my mortgage payments caught up and potentially seek financial assistance to help pay for the amount owed which was just under {$5200.00}. A third-party authorization form was submitted to PHH mortgage and we were advised that it took approximately 5 days to upload. After this time passed, XXXX followed up and they were advised to submit an authorization form provided by PHH. Once the five days concluded, XXXX tried for weeks to reach XXXX and they were not able to speak to a representative who could discuss the account or the agent did not have access to verify who was listed on the authorization form. On the days that they were able to verify that the XXXX agent was authorized to speak to someone they would have them call back the next day to speak to a relationship manager the PHH agent was unable to verify that the XXXX agent was authorized. This pattern continued for a few weeks until someone suggested that we resubmit the authorization letter on the XXXX of XX/XX/XXXX. After submitting an authorization letter for the third time, no one from XXXX was able break this cycle until XXXX of XXXX. On the XXXX of XX/XX/XXXX, a meeting with a PHH agent, two representatives of XXXX and myself conducted a conference call to move things forward. We discussed the difficulty in trying to reach them. We asked that they check the authorization letter ; initially, the agent did not state that she did not see the names of the representatives present during the meeting and was hesitant to mention who was on the letter. When we continued to speak to the PHH agent, she mentioned the lawyer that worked with XXXX. I believe that she looked at the authorization letter more thoroughly and found all the names of the agents assigned to my account. ( My belief was that she just scrolled down the page, but I did not see or have access to her monitor ). We were able to set an appointment with a relationship manager for the XXXX of XX/XX/XXXX. By the time of the meeting more than {$13000.00} was owed due to fees which included the {$5200.00}. At the meeting we discussed entering a trial loan modification for three months. The amount of {$670.00} was to be paid monthly from the XXXX of XX/XX/XXXX until the XXXX of XX/XX/XXXX. I asked again to make sure that my sister was added as successor in interest as she was having difficulty being recognized as such, receiving paperwork or email notification nor could access the account online. The account was paid on time successfully through XXXX XXXX At the conclusion of the three month period, I called to find out the next steps they told us to continue making the same payment that they would reach out to us.We eventually heard back from them, they wanted us to assume the loan ; however, we still were having difficulty getting my sister listed as a successor in interest at this time. My job was starting to pick up after the pandemic and I was not available during the day so she needed to be able to communicate with them. ( At this time XXXX who was a non-profit organization in XXXX XXXX helping homeowners get back on track was no longer available ) We were making payments until XX/XX/XXXX when they stopped accepting our payments. They eventually recognized my sister as a successor in interest and we submitted paperwork by XXXX XXXX. I called to verify that our paperwork had been received and sent additional information requested and scheduled a meeting with a relationship manager on the XXXX of XX/XX/XXXX.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company took four months to process the removal of my XXXX As I was waiting to complete the process for my HELOC, PHH mortgage consistently delayed my request to remove my XXXX Once XXXX was finally removed, interest rates have significantly increased and now I am forced to accept a much higher interest rate due to PHH Mortgages consistent delayed in removing my XXXX
Company Response:
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage is currently serviced by XXXX mortgage. It is zoned a commercial property but has a residential loan attached to it. I have approached XXXX to correct this matter on may occasions. XXXX has advised that I have to complete an online form to proceed, however they have failed allow me into the portal. XXXX is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. The rules listed below clarify the obligations of XXXX. XXXX Loss mitigation procedures. CFPB Rule 41 ( b ) ( 1 ) A servicer has flexibility to establish its own application requirements and to decide the type and amount of information it will require from borrowers applying for loss mitigation options. In the course of gathering documents and information from a borrower to complete a loss mitigation application, a servicer may stop collecting documents and information for a particular loss mitigation option after receiving information confirming that, pursuant to any requirements established by the owner or assignee of the borrower & # XXXX ; XXXX mortgage loan, the borrower is ineligible for that option. A servicer may not stop collecting documents and information for any loss mitigation option based solely upon the borrower & # XXXX ; XXXX stated preference but may stop collecting documents and information for any loss mitigation option based on the borrower 's stated preference in conjunction with other information, as prescribed by any requirements established by the owner or assignee. A servicer must continue to exercise reasonable diligence to obtain documents and information from the borrower that the servicer requires to evaluate the borrower as to all other loss mitigation options available to the borrower.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On Monday, XX/XX/XXXX, my husband and I both received phone calls on our cellphones from a man letting us know that we are in a Notice of Default and that he could help us with our situation. I thought that was very odd, so, I called my mortgage company, PHH mortgage to find out what the status is on our loan. I have been in contact with PHH mortgage since I lost my job in XXXX of this year XXXX. I will do my best to give you a timeline of dates of my interaction with PHH mortgage customer service. On XX/XX/XXXX, I was let go from my job. I was told that since I was a temporary employee, that they had too many permanent employees that needed work to do. I was so disappointed as I was hoping that I was going to be hired eventually as a permanent employee. My husband and I were starting to make the mortgage payments on time. So, in the meantime, I called PHH mortgage around XX/XX/XXXX to see if they could give us a break while I try to find another job. The customer service person mentioned to me to not worry that they will help me to find a solution to not lose my home. I was so grateful and felt so reassured. I received a letter dated XX/XX/XXXX from PHH mortgage stating that my loan is on a Temporary Hardship Forbearance Plan Agreement. Since then, I have submitted all paperwork they requested from me in order for them to try me again for a Loan Modification or repayment plan. They mentioned it will take at least 30 days for them to review and make a decision. I received another letter dated XX/XX/XXXX from PHH mortgage stating Early Intervention Borrower Assistance. On XX/XX/XXXX I spoke to customer service and they asked me over the phone what mine and my husbands monthly incomes were to see if we qualifythey had mentioned to not worry that they will help me with either a loan modification, repayment plan, or to put the amount of what we owe in late mortgage payments to the back of the loan. The customer service people are always reassuring me to not worry, that they will help me to keep me and my husband in our home. On XX/XX/XXXX, I got another jobI was able to submit my paystubs as requested from PHH mortgage. Again I was told it will take at least 30 days for them to review and make a decision. I received another letter dated XX/XX/XXXX from PHH mortgage stating, The Mortgage Assistance Application was Received. I received another letter dated XX/XX/XXXX from PHH mortgage stating, Missing Items From the Request for Mortgage Assistance, with a due date for documents to be submitted by XX/XX/XXXX. Right away I called and and emailed them what they asked for. I received another letter dated XX/XX/XXXX from PHH mortgage stating Notice of Default! On XX/XX/XXXX I called and spoke with PHH mortgage customer service, they told me to disregard the letter stating Notice of Default because they are still trying to work on my loan modification review. They said it may take approximately XXXX days to figure out the results or update, and for me to call them back in a week. I received another letter dated XX/XX/XXXX from PHH mortgage that they receive my documents. I received another letter dated XX/XX/XXXX from PHH mortgage stating Missing Items from the Request for Mortgage Assistance. with a due date for documents to be submitted by XX/XX/XXXX. Right away I called and emailed them what they asked for. I received another letter dated XX/XX/XXXX from PHH mortgage stating that Documents Received for Mortgage Assistance Review. On XX/XX/XXXX, I called PHH mortgage back to check status on my mortgage loan, customer service mentioned they received my email of the paystubs I emailed to them, however, they were not legible, so, I emailed them again that same day. I received two letters dated XX/XX/XXXX from PHH mortgage, stating Documents Received for Mortgage Assistance Review. I received a letter dated XX/XX/XXXX from PHH mortgage stating, The Request for Mortgage Assistance was Received, and that the application is currently complete as of XXXX, XXXX, XXXX. On XX/XX/XXXX, I called PHH mortgage to check status of my loan, customer service said to call them back at the end of the week. I received a letter dated XX/XX/XXXX from PHH mortgage stating, Initial Contact Letter REQUIRED PURSUANT TO CALIFORNIA CIVIL CODE 2923.55 informing me basically that the mortgage payment is past due. I received a letter dated XX/XX/XXXX from PHH mortgage stating, Decision on the Request for Mortgage Assistance informing me that my mortgage does not qualify for the Mortgage Assistance. However, the account is conditionally eligible for other alternative ( XXXX ). I received another letter dated XX/XX/XXXX from PHH mortgage stating, The Mortgage Assistance Application was Received So, I called them of course, however, I do not remember when I called them, maybe it was around XX/XX/XXXX. When I spoke to customer service of PHH mortgage, then mentioned that there is a link on their website for mortgage assistance. So, I contacted the link which was a link to the California Mortgage Relief Program. This link was on PHH mortgages website. I was under the impression they were working together. On XX/XX/XXXX, I had received a phone call from the relationship manager from PHH mortgage as this was my phone call appointment to go over my mortgage and any options available. All the relationship manager told me was to submit three months of my recent bank statements. On XX/XX/XXXX, I emailed PHH mortgage my three months of my recent bank statements. I received another letter dated XX/XX/XXXX from PHH mortgage stating, Missing Items from the Request for Mortgage Assistance. On XX/XX/XXXX, I clicked on the link on the PHH mortgage website that took me to the California Mortgage Relief Program. I filled out the application and submitted all documents they requested. I received two letters dated XX/XX/XXXX from PHH mortgage stating Documents Received for Mortgage Assistance Review. On Monday, XX/XX/XXXX, my husband and I both received phone calls on our cellphones from a man letting us know that we are in a Notice of Default and that he could help us with our situation. I thought that was very odd, so, I called my mortgage company, PHH mortgage to find out what the status is on our loan. I have been in contact with PHH mortgage since I lost my job in XXXX of this year XXXX. On XX/XX/XXXX, I called PHH mortgage to check status on my mortgage loan. I spoke to customer service and I could not believe what they told me over the phonemy mortgage loan is now in Notice of Default. I did not understand as they told me each time with my interaction on the phone with them to Do not worry, we will help you with either a loan modification, repayment plan, or put what you owe to the back of the loan. I did not understand why I did not receive a phone call warning about this. They mentioned that they sent me a letter dated XX/XX/XXXX, however, I never received that letter. I would have called immediately as I have been calling and keeping in touch with them. I told them that I emailed them my bank statements back in XX/XX/XXXX as they requested. I also told them that I clicked on their link on their website that took me to the California Mortgage Relief Program, and that I filled out the online application and uploaded the required documents that they requested. PHH mortgage customer service told me there is no sale date yet and to not worry again. But how can I not worry??? Most of these customer service employees that are from overseas do not seem to really understand my situation and honestly, sounds like they are just reading from a script not tailored to me and my situation. It is very frustrating as I have complied with all their requests. I am doing everything I can to not lose my home. I am hoping and praying that the California Mortgage Relief Program and PHH mortgage work something out to help me. I received another letter dated XX/XX/XXXX from PHH mortgage stating, IMMEDIATE ACTION IS REQUIRED TO AVOID FORECLOSURE. So, here we are, time is of the essence, and I can not get a clear answer as to if and when I will receive help to resolve my issue. Please, I know that so many people need help with all these increasing home prices, rents and gas prices, the government does offer mortgage relief. I hope you can please help me and my husband to keep our home and stop the notice of default to not foreclose on our home weve owned since XXXX.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had requested to remove my PMI since my home value increased and my remaining payment was less than 80 % of my home value. The company received my request and denied with unreasonable answer. I disputed and they requested further information. I provided the supporting information but the company didn't resolve the issue. I submitted my complaint to NJ state. Then, they replied with unreasonable excuses.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A