Date Received: 2022-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi, XXXX passed away in 2014, submitted documentation of what was requested The deed states that is is joint tendency and the mortgage company does not want to accept me name as the owner, but I, XXXX XXXX, wife of deceased spouse name is also listed on the Deed. They are asking that I sign a family transfer packet, but why would I need to sign that, when my name is already on the Deed. The mortgage company is still sending mail to the Estate of XXXX XXXX, when in fact it should now come to me. I have been waiting for 7 years to get this matter resolved and an overage escrow check is being held up because it was in the estate of XXXX XXXX and they will not issue the check in my name. I would really like to get this matter resolved ASAP. Mortgage Company is XXXX/PHH.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing in reference to the relationship manager response to my application for applying for assistance for my home. The response the relationship manager gave me was my modification was denied. I have been communicating with PHH but they refuse to send the information needed in order for the underwriters at Maryland Home Assistance Program to continue the process. This has been going on since the application was submitted in XXXX XXXX XXXX. All I want is to complete this process so I can go on with my life. Living everyday of not knowing the uncertain is very stressful. Please help with this issue I am really mentally drain.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX : I mailed PMI removal request form with payment cheque to PHH Mortgage Services XXXX. XXXX request form includes list of home XXXXmprovements I made XX/XX/XXXX : The cheque was cashed XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : I called PHH for followup. PHH sent me an email asking for list of home improvements ( which I included in the request form I mailed ). I responded the same date. XX/XX/XXXX : PHH sent me an email asking for cost of home improvements I made. I responded the same date. XX/XX/XXXX : PHH sent me an email asking for dates of home improvements I made. I responded the same date. XX/XX/XXXX : PHH told me my request is under review by PMI removal team XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : A broker came to my house to do appraisal and took some pictures. She said she will send it in by XX/XX/XXXX XX/XX/XXXX : Called PHH to follow up. I was told to wait till XX/XX/XXXX for a call back XX/XX/XXXX : No call back was made XX/XX/XXXX : Called PHH for update. I was told the vendor XXXX XXXX XXXX XXXX hasn't send the appraisal to PHH yet. I called XXXX XXXX to confirm, but I was told the appraisal would go to PHH right after the broker visited my home. So PHH was lying. XX/XX/XXXX : Called PHH and was told the PMI has been removed.
Company Response:
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My principal went below the 80 % threshold to have the PMI removed several months ago. I have given XXXX Mortgage everything required per my closing documents : PMI will only be canceled if all the following conditions are satisfied : 1. you submit a written request for cancellation ; 2. you have a good payment history ; 3. you are current on the payments required by your loan ; and 4. we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. A " good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date you submit a request for cancellation. It was also supposed to be automatically removed on XX/XX/22 per my closing documents : Borrower Requested Cancellation of PMI You have the right to request that PMI be canceled on or after the following dates : 1. The date the principal balance of your loan is first scheduled to reach 80 % of the original value of the property. This date is XX/XX/22. For balloon loans with a fixed interest rate and no conditional right to refinance, if applicable, this date may not be reached before the loan matures. 2. The date the principal balance actually reaches 80 % of the original value of the property. I had made additional principal payments that brought me below 80 % I believe in XXXX of this year. They made me pay for an appraisal even though their own website valued my property over {$650000.00} and all the value needed to be was {$450000.00}. For the last 4 months they have been telling me it is in their PMI department and would be resolved soon. I have tried esclesiting it but no one will or can approve this even though it should be automatic at this point. They continue to charge me each month for insurance that is not required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: WE ARE IN RECEIPT OF CORRESPONDENCE FROM XXXX AND XXXX REGARDING CFPB COMPLAINT XXXX AND XXXX. PLEASE NOTE ALL SUBMITTED COMMUNICATION IS FRAUDULENT. COMMUNICATE SENT VIA XXXX WHICH CONSTITUTE MAIL FRAUD AND IF SENT TO CFPB VIA EMAIL IS CYBER FRAUD. OUR SIGNATURES WERE COPIED AND PASTED AND OR LIFTED ONTO THESE DOCUMENTS, WE HAVE NEVER SEEN NR RECEIVED ABULK OF THESE DOCUMENTS. XXXX AND XXXX ARE VERY AWARE OF THE SITUATION AND IS POSSIBLY WORKING WITH LEAGL COUNSEL FROM XXXX XXXX WHICH IS A CONFLICT. THIS INDIVIDUAL WAS VISITING XXXX XXXX XXXX AND DOCUMENTS WERE TAKEN PERTAINING TO XXXX XXXX XXXX XXXX. IF THIS LAWFIRM IS RECEIVING FEEDBACK FRO, THE BRC TRUSTEE XXXX XXXX XXXX, AFTER INVESTIGATION, IT HAS BEEN CONCLUDED HE ABANDONED ALL REAL PROPERTIES DUE TO MORTGAGE FRAUD, WE HAVE ID THEFT AND IN ORDER TO MAKE MONEY FROM THIS CASE HE ABANDONED THE PROPERTY COLLECTED PMI.WE NEVER RECEIVED A LOAN FOR A MORTGAGE. THIS WAS REVEALED AFTER BEING NOTIFID BY A FEDERAL AGENCY O ID THEFT AND FRAUD. THE CLOSING WAS STAGE AND FRAUDULENT. XXXX XXXX AND XXXX APPEARED TO HAVE HAD STRAWBUYERS WHO WOULD STEAL PROPESPECTIVE HOME BUYERS IDENTITIES AND LOANS WOULD BE OBTAINED USING VARIOUS INDIVIDUALS NAMES AND MORE, ALL MONEY WAS DIVIDED WITH THEIR STRAWBUYERS, THERE WAS NEVER A LOAN PROVIDED. WHERE ARE YOU GETTING A XXXX DATE FROM? SOME OF THE ATTACHED DOCUMENTS ARE ILLEGIBLE. ( PLEASE EXCUSE ANY TYPOS )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is not a duplicate complaint so do not mark it as that! I have been in the process of a modification for over half a year, a process that takes no more than 30 days to finalize. I have sent in all documentation in a timely manner to be reviewed for a modification and PHH Mortgage has yet to review my file. Please see the detailed notes below as well as the letter that I sent in. XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on modification, rep XXXX ID XXXX XXXX said that as of XX/XX/XXXX a request for mortgage assistance packet is needed. I asked to speak with a supervisor as we have been told multiple times that he is in full review for a modification. Rep said she could not transfer me to a supervisor and could not give me a direct line to call the relationship manager and could not give me the relationship managers email address. I told her that I need to speak with a supervisor TODAY. She said she can schedule an appointment for a week from now. I told her again that I needed to speak with a supervisor TODAY as ever time I schedule an appointment, my relationship manager never calls me, and if I do receive a call, it is from someone in XXXX or the XXXX letting me know my relationship manager is not available. The rep hung up on me after that. XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on Mod, said it was still in review. Asked to speak with a supervisor, none available. Scheduled call back for tomorrow. Said documents were received XXXX. Said a supervisor will call tomorrow and make sure underwriting is reviewing. XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on appeal, rep # XXXX said that as of XXXX that the mod packet was complete. XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on appeal, docs were received, sent a note to underwriting saying the dox were received. Scheduled appointment for XX/XX/XXXX @ XXXX XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Sent in Quarterly Profit & Loss statement along with Signed & dated letter stating XXXX does not receive any income. XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH for update on Appeal as relationship manager never called. Agent ID # XXXX said that the appeal was received yesterday XX/XX/XXXX. Asked to be transferred to loss mitigation. Said there is missing items : -2 recent bk statements OR -quartely profit & loss statement XXXX : -signed & dated letter stating no income BY XX/XX/XXXX Scheduled and appointment with Relationship manager XXXX on XXXX @ XXXX XXXX AM NOTE [ n ] - Sent appeal letter to XXXX *** XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on modification, rep ( XXXX # XXXX ) said that as of XX/XX/XXXX that the mod was denied. she was unable to tell me why. Said she will send the letter to me via email. Also said that he is eligable for a modification if we wanted to do a financial interview over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am the Executor of the Estate. The Estate had a reverse mortgage with Lender/Servicer XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. In XX/XX/XXXX XXXXXXXX XXXX XXXX DBA XXXX XXXX requested the courts for a petition substitution from them to Mortgage Asset Management in which was granted. The Estate didn't receive a Notice of Transfer of Ownership that's required by federal law. ( 15 U.S. Code 1641 ) requires the new owner to send this notice within 30 days of the mortgage sale. We also didn't receive notification from mortgage servicer XXXXXXXX XXXX the change of hands, to new servicing transfer within15 days before the date the new servicer takes over. The new servicer PHH Mortgage Service didn't provide the Estate with a notice within 15 days after they take over the account. Representatives ( XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ) from PHH Mortgage stated, " they weren't given any Probate or Executor information. '' Which is untrue all my information is on court documentation/proceeding request. They are clearly violating our rights under the Real Estate Settlement Procedures Act ( RESPA ), the Truth in Lending Act, and federal laws on banks by not providing documentation showing their legal rights of ownership to collect the debt or what is owed by law.
Company Response:
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage companies report me as missing a payment, I have never missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I Initiated the process to remove PMI in XXXX of XXXX. After an attempt to refinance that resulted in excess fees and not much difference in the payment, I requested to have PMI removed. I sent the signed form and check for appraisal in XX/XX/XXXX. The check was cashed in XXXX. I received an email in XXXX that because the loan was less than 2 years old, improvements needed to be documented. ALL improvements were on the form that was submitted in XX/XX/XXXX. The loan reached 2 years in XXXX- I continued to call and be told it was being worked on. As of XX/XX/XXXX I still had NOT had an appraisal completed, even though the check had been cashed. Finally on XX/XX/XXXX the BPO was completed. To recap just a bit- I purchased this as a second home with 10 % down. I did A LOT to this home and moved permanently in XX/XX/XXXX. The mortgage is about XXXX and I could sell it today for XXXX. I have MORE THAN ENOUGH equity to remove the PMI. This company continues to steal {$140.00} every month. I have tried, and tried, and tried. I need someone to hold them accountable and do their job!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In early XXXX I contacted PHH mortgage via phone to inquire about the removal of PMI ( private mortgage insurance ) on my home, as I believed due to a combination of local market trends and home renovations the home had increased in value placing it below the 78 % loan to value threshold required. They informed me via a written letter that I needed to submit a payment of {$100.00} to pay for a brokers price opinion to determine the value of the home to be considered for PMI removal. I submitted the requested payment and information and the check was deposited by PHH mortgage XX/XX/2022. This was reflected in the PHH online web portal records for my account. Following the deposit of that payment a third party vendor contracted by PHH, XXXX XXXX, reached out to schedule an inspection of my home for the broker 's price opinion. The inspection was performed by a contractor of XXXX XXXX on XX/XX/2022 and the final report was delivered to PHH mortgage on XX/XX/2022. ( I was informed of the XX/XX/XXXX submission date from a customer service representative of XXXX XXXX ). Following the submission of the XXXX report, I received no communication from PHH mortgage whatsoever and on XX/XX/XXXX I was charged for PMI on my mortgage account. After being charged for PMI again on XX/XX/XXXX, I called the PHH customer service line to inquire about the status of removal, and they confirmed receipt of the report and said that I would receive a letter within 5 business days that my PMI has been successfully removed. I received no such letter, and still have not more than 30 days later. I called again on XX/XX/XXXX to request a status update and was told they would be looking into it- but heard nothing, received no letters, and was charged again for PMI on XX/XX/2022.
Company Response:
State: ME
Zip: 04103
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A