Date Received: 2022-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: REQUESTING COPIES OF ALL PAYMENTS APPLIED TO XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX ALSO REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE ABOVE ADDRESS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH MORTGAGE Services deceptive practices on how much I owned on the monthly mortgage payments with me paying {$1900.00} my escrow shortage paid in full before XXXX of XXXX. Theres unknown balance owned and any other shortages to bring my Mortgage back to {$1000.00}. Billing Letter showing my XX/XX/XXXX payment due is {$1200.00}. PHH MTG website mortgage bill for XX/XX/XXXX due is {$1100.00} I paid {$1900.00} in full for my escrow shortage. Unknown fees not disclosed to correct my normal monthly mortgage amount back to {$1000.00} 10 months of trying to get an answer from PHH Mortgage and I am still waiting now. My original Mortgage amount is {$1000.00}. I paid my Escrow shortage of XXXX and now I still own more with no one telling me what is the exact amount that I owned to show my monthly amount back to {$1000.00}. I was forced to change Homeowner Insurance because XXXX XXXX XXXXXXXX XXXX XXXXXXXX filed Bankruptcy in XX/XX/XXXX and drop my homeowner Insurance. I pick up XXXX XXXX XXXX in XXXX of XXXX and PHH will not tell me what I owe them to take care of my shortage in Escrow until XXXX of XXXX and the extra mortgage total amount due to show my mortgage back to its regular amount of {$1000.00}. PHH Mortgage company is running me around since XXXX of XXXX. Today XX/XX/XXXX, four calls to the Mortgage Company and they are still running me around with no answer. I have only until XX/XX/XXXX, to make my mortgage payment, then I will be hit with late fees plus no one will tell me the different that I need to pay to show my original normal payments. PHH Mortgage is running me in circle for 10 months and they are setting me up for a Foreclosure if I don't pay them what is owned, and I am unsure all the amount is due. I bought my house in XXXX of XXXX and never had a problem until now. I am 100 % sure that the mortgage company is doing deceptive practices with me. Can someone please help me to get to the bottom of why the Mortgage company is not disclosing total amount due so I can get back on track with my mortgage. I believe PHH Mortgage is trying to send me into foreclosed over deceptive practices not disclosing the total amount owned on Mortgage monthly bill. Why will no one at the Mortgage co. give me a straight answer and I have paid them {$1900.00} cent but now it's more money due that was never disclosed to me also more money will be due by XX/XX/XXXX, for late payment. I am confused and just need to know what is the totally amount to get my mortgage back to its normal payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been notified that PHH Mortgage Services reported to the Credit bureaus that I am in default. This has a negative impact on my credit report. I have currently made XXXX of XXXX payments on my trial period plan. This would allow me to modify the loan. Please note that this is my XXXX trial period for this loan due to an error on behalf of PHH Mortgage services. ( See previous complaints filed for this loan ) There has been a total of XXXX payments made... XXXX for the XXXX trial period and XXXX for the XXXX trial period. My understanding is that under the CARES Act... lenders are required to report accounts as current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The property was purchased by me XXXX of XXXX with intent of retiring there. After the loan was sold to PHH, now XXXX, it has been a miserable experience. Im trying to work with them to make good on my loan/contractual obligations. It has been increasingly difficult to get information with my loan pertaining to prier fees/itemized transactions, schedules/amortizations, or access to my account. Any information previously requested to better understand their way of business has been met with incompetence, confusion or just plain disregard. I have had provisions provided by H.R.6741 116th Congress ( XXXX ) COVID19 Mortgage Relief Act. This began XX/XX/XXXX and ended XX/XX/XXXX, during which time the mortgage company added many unknown fees to my account. PHHXXXX hired management companies to visually inspect the property without my knowledge. While away from my residents, the Management Company broke into my house. Upon returning home, I discovered broken glass in the kitchen with pieces of garbage discarded throughout the inside of the house. While examining the mess left behind, it was clear the perpetrators made themselves comfortable. After noticing stains on furniture, flooring and walls just to name the obvious, it was very disheartening. A good portion of this mess they left strewed about on various surfaces or flooring, were stolen from the house to drink or eat. The backdoor of the house was clearly the entry point, fitted with a new doorknob/bolted lock and lockbox. After calling the Police to file a report, I waited outside for the officer to arrive while trying to regain my composer. During the walkthrough with an officer, I began to notice many missing items in every room. Still trying to make sense of what had happened, my girlfriend began calling different people to see who would be responsible for such a heinous act. Eventually it was obvious by information given to me, that the bank was behind the over-all end result. After notifying all parties involved, including the scared contractors/management companies that were too nervous to speak, I contacted XXXX my home insurance company. The insurance company was very interested in all parties involved with the criminal acts committed to my property. I made it very clear that I would not contaminate the crime scene until given further notice. Understanding that I could not stay there with how disgusting these criminals left the house. One of the two Police officers that responded suggested I leave a clearly stated message for anyone that returns. I left many full-page posters with detailed instructions to contact me with a cell number attached should anyone visit my property, for any reason. I then taped them in numerous windows and doors facing outside prior to my departure. These posters were placed inside to prevent deterioration, in plain view without obstructions. Each explaining with bold marker to whomever, I will exercise my right to protect person or property with XXXX force if necessary. The poster-style warning signs all had my phone number with a statement above, any question call. During this time of wait and correspondence between investigators, I would return to checkup on my property. Not long after, on one of my visits, I discovered that the house had been ransacked again. Only now it looked as if it was retaliatory by the amplified amount of interior/exterior damage. Much like the first breach/break-in of my property, there was a new door lock with a lockbox attached to the backdoor. The damage from these vandals has now become extreme, leaving my house uninhabitable. After reaching out to my insurance company to inform them of the catastrophic loss, they asked for my voice recordings as well as documents/ Police reports needed for their attorneys. I gladly agreed to give them any information collected from all parties involved with this crime. I was also required to appear ( via XXXX ) for an Examination under oath with a Law Firm on behalf of my insurance company. Because of the convoluted enormity this has become, I was advised to retain my own attorneys. I'm continuing to collect additional information to prepare for litigation if needed. I know there is a huge increase of fraud in the US, creating new acts with protocols to combat important crimes like " Fraud for Profit and Public Corruption. I'm just dealing with a bank and potentially an insurance company. That being said, I've reached out to many attorneys with little success. Only one firm was able to take this case and informed me that nothing can be done until the insurance company denies my claim. This is all happening while my home of seventeen years hangs in the balance. The mortgage company has not agreed to any proposals I've made for repayment or made a final determination. Any call to the mortgage company for updates on loan status continuously becomes confusing for the representatives there. In the past I have been informed by the mortgage representatives that the house was in foreclosure. Only after raising notice to all kinds of federal violations did someone eventually get involved. Then their story would change, stating, still investigating loan qualifications. The original question did not get answered until pressured to clarify. When someone with enough rank could answer that, then the house had never been in foreclosure, and they are willing to work with me. I'm assuming because of the Covid 19 Mortgage Relief Act imposed on mortgage companies, PHH/XXXX is entitled to lock me out of my loan access online. The scheduled call for loan modification became XXXX ; the only alternatives given were foreclosure or full payment. When the representative denied a possibility, it was followed by options that include selling my house for less than it's worth. The question was raised why the other more reasonable options for repayment had not been offered. Then I would be placed on hold for long periods, even being disconnected. When someone did answer, I was told to pay the full amount. The representative when asked for that total gave me the amount to pay off the entire loan. My girlfriend thankfully was able to assist for further action as to resolve the matter later. The end result was something not received for an option on their part. My girlfriend checked the information sent for clerical mistakes or confirmation. Then spoke with more people at the mortgage company to confirm. Everything was correct with a confirmed receipt attached to the inbox, still no resolve. This is very concerning ; especially when they keep pushing it further out for evaluation. My girlfriend has even sent the information requested directly to a representative. Any help on this matter is greatly appreciated. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My HELOC from a number of years ago was transferred from XXXX to Ocwen as soon as the loan closed. In 2013 my Bankruptcy cleared the lein but the lein/Deed of XXXX was not reconveyed. The lien still reflects against the property. Ocwen says they dont have/never had that loan. they say they have nothing to do with the property. They wont provide a payoff ( even if I offered to pay it if needed ) and wont provide a reconveyance. I have provided documentation proving they did have the HELOC and they refuse to help. I am trying to complete a refinance and am getting no assistance from Ocwen
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number : XXXX I've communicated to PHH mortgage multiple times regarding PMI removal request since March/April time frame yet I believe they purposely sit on the case so that the PMI can continue to be collected while refusing to process my request timely.
Company Response:
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I completed a XXXX XXXX of 5 years, and it was finally discharged XXXX of XXXX. I recently applied for covid assistant thru XXXX. This is a state funded outside agency to help with covid relief and mortgage payments. XXXX sent my mortgage company PHH Mortgage a relief package to fill put and email back in the beginning of XX/XX/2022. XXXX did not get a response, so they sent another packet via email and still didn't get a response. I called PHH Mortgage to see the issue and nobody can help me I was transfered around and hung up on twice. Once person before hanging up told me my account Is represented by an attorney and is in a XXXX XXXX and it isn't. I can't get assistance to pay because they will not listen to me and release my mortgage out of this status and also will not allow me to speak to anyone about it. Pleased help
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Dear Sir/Madame, I am filing this complaint to inform of the misdeeds of PHH Mortgage and XXXX XXXX XXXX XXXX ). My dad who is now deceased signed documents for a reverse loan for his property at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. As the XXXX of the property I am now dealing with PHH, who has added many fees to the original loan and is violating HUD policies. Also the XXXX hired by PHH has misrepresented facts in her appraisal of the property which I have spelled out below. I write this letter as the XXXX of the property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXXFirst there are a few discrepancies in the appraisal done on XXXX XXXX by XXXX XXXX XXXX XXXX License/Certification # XXXX. We believe that XXXX XXXX has misrepresented the total value of the property. The property value is no more that {$200000.00} to {$230000.00}. This value is based on others property sales in the neighborhood. Please find below what we are asking for, so that we can go back to the lender with real numbers for refinance of the loan.. XXXXWe want to dispute the appraisal XXXXThe XXXX hired by PHH did not compare the property to the better sold comparables. The property is a XXXX and the property was compared to XXXX, XXXX and XXXX XXXX. XXXX. The other XXXX in the neighborhood/area sold in the range of {$200000.00} to {$230.00}. XXXXWe are requesting that PHH to do another appraisal. If the appraisal is refused, we will ask XXXX to do it. XXXXFound in the appraisal the property is listed as a XXXX and should be listed as a XXXX. XXXXThe minimal improvements are XXXX major components that need repair, the roof and the air conditioner. XXXX XXXX only listed minor repairs. XXXXWe are requesting from PHH the due and payable package which is item XXXX in the case file. XXXX. It should be noted that that there is nothing in the case file substantiating the value of the property. XXXXPHH is in violation of HUD rules XXXXAgain it must be stated that the XXXX is widely misrepresenting many items in the appraisal. XXXXWe will be filing a complaint against the XXXX. We will file the complaint with the XXXX XXXX and the XXXX Attorney. XXXXWe will also be sending the appraisal to the XXXX of HUD and CFPB. XXXXQuestions we would like answered : a ) What happened to the homeowner 's insurance paid for by my dad? b ) When did the property become HUD insured? c ) What's the date the lender place the insurance on the property? We ask that PHH takes these matters seriously, and that all can be addressed expeditiously. We look forward to your responses. Respectfully, XXXX XXXX XXXX XXXX of the Property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My mortgage loan ( PHH ) had been in a covid forbearance program and then went to a loan modification agreement in XX/XX/2022. On XX/XX/2022 the mortgage company reported the loan as more than 12 months past due and the amount past due of over {$36000.00}. The loan was never late or had a past due amount. This incorrect reporting and information has destroyed our credit and made life impossible. I have made numerous calls to the mortgage company to complain about this incorrect credit bureau reporting and written several letters to no avail. Is there anything that you can do to help us resolve this terrible and unjustified error in reporting?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My mortgage loan ( PHH ) had been in a covid forbearance program and then went to a loan modification agreement in XX/XX/2022. On XX/XX/2022 the mortgage company reported the loan as more than 12 months past due and the amount past due of over {$36000.00}. The loan was never late or had a past due amount. This incorrect reporting and information has destroyed our credit and made life impossible. I have made numerous calls to the mortgage company to complain about this incorrect credit bureau reporting and written several letters to no avail. Is there anything that you can do to help us resolve this terrible and unjustified error in reporting?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A