Date Received: 2022-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made multiple requests to have the reporting to XXXX to be consistent with the other reporting agencies. This has taken many years as the contact information provided by XXXX is outdated and my many requests that were sent to XXXX as provided by XXXX were redirected to XXXX and to a different company. To no avail, I complained routinely to XXXX that they were not providing valid contact information. Most recently, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I indicated in writing to PHH Mortgage Services that their reporting in regards to Ocwen was inaccurate. They denied having any knowledge of my account, although the account was routinely confirmed to XXXX. I finally received correspondence dated XX/XX/XXXX, from PHH stating that if I wanted to dispute the account, to respond by sending the verifiable documented proof. Sadly, they were responding to a letter that provided all of this documentation. PHH is reporting that a foreclosure started XX/XX/XXXX. This is inaccurate. The foreclosure was started XX/XX/XXXX and the mortgage was actually satisfied XX/XX/XXXX. This proper reporting is indicated as such on XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55345
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I submitted a letter to the XXXX Credit Bureau XX/XX/2022 to update this suspicious information.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. PHH MORT SVC XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2022 We closed on a VA XXXX on XX/XX/2022, and our Mortgage switched from PHH Mortage co. to XXXX XXXX to Federal Savings, on the XXXX. of XXXX. We understand that our next payment is in XXXX. While on vacation In NH. on XX/XX/XXXX. we stopped to fill up our XXXX XXXX which we just paid off with the refi. to our surprise, our Bank card was declined. We called our bank and were shocked to find out that PPH Mortgage not only extracted {$1800.00} ( our old payment ) from our account but we were hit With a {$35.00} overdraft charge. I got on the phone with PHH Mortgage at .about XXXX XXXX I talked to a rep. Who just did not understand. I asked for a supervisor and was placed on hold, then disconnected. just about out of gas I called again and found myself frustrated with the automated service that wanted our account number, Not Submitting that to memory even when they held our mortgage. I finally got through and explained our situation yet again. the rep forwarded us to a specialist who advised us to snap-shot a copy of the {$1800.00} extraction and {$35.00} overdraft ( temp at this time in NH, was About XXXX ( 76 % humidity ) we obtained her EMail XXXX XXXX gave us our Acc # ( XXXX ) We sent the email and wanted our vacation money to be deposited into our account. It never happened? I had a friend Deposit some money for us so we could find some accommodations seeing that the place we rented for the week was canceled due to the owner 's contract covit, It's XX/XX/XXXX. And yesterday XXXX contacted us and said her boss could not reimburse us But could apply it to a mortgage payment with our new company, XXXX XXXX? Wich, we no longer have. Seeing we just refined with Federal Savings. Out of money, Patents and time Sincerely XXXX And XXXX XXXX.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was given an opportunity to pay 1/2 of my fees on my account and the other half would be waived. After completing the requirements of paying the first half, PHH Mortgage waived the 2nd half/balance. The next billing cycle my account has an unknown fee assessment of {$470.00}. No explanation, no letter nothing. It was added to my mortgage payment and due immediately. When I called in to speak with someone XXXX ( the representative ), couldnt tell me what the fee was for. She went on to say the amount wasnt for property inspections because the numbers didnt add up. I then asked for a supervisor. She asked me why did I want one. I said to find out whats going on. She proceeded to lecture me about what paperwork I had signed. I explained that I am supposed to be notified of any fees assessed and why. She continued to attempt to lecture me, never giving me a supervisor, never telling me what fee is for. Its as if they tricked you into paying at least some of your old fees, telling you they waived the rest then used some other clause to add it back or a portion of it back onto your monthly payment. That fee double my mortgage payment for the month which is wrong to do.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH / XXXX XXXX is scattered, each rep we communicate with ( in the past 2+ years ) gives different info. We are informed of details then the rug is pulled out from under us. In the past 9 months the contradiction increased. Here we will cover several more serious incidences of deception, lies, bad advice, contradictions that occurred in the past 2-months ( or so ) as they are ( to us ) a lot more grievous. Situation; Covid & storm damage ( home is under repairs ). PHH is well aware of this. In brief... 1, In XXXX, a change lock notice was posted on the home 's door by a company called XXXX ( who works on a call back bases only ). We called PHH who denied any knowledge of this. Then we get an Email weeks later indicating they backed guardian off. More threats & intimidation. 2, PHH hires an appraiser who ( in the report ) claims to be no building inspector. But played insurance adjuster and listed the repairs as ( about $ XXXX we read the appraisal correctly ). Then used these arbitrary figure as a value reduction in his ''official '' report, making it look like we have equity. Others state the damage is $ XXXX. Our attorney is working on the carriers bad faith for failing to pay. ( Another story for another day ) 4, PHH 's Motto '' helping the home owner is what we do ''. But, we are informed we have equity, they can't help. No clear answer. 5 We offered PHH a $ XXXX short pay off / settlement. No counter, out right denied. We offered $ XXXX short pay off. PHH Emailed us stating the investor countered at $ XXXX. We accepted the counter offer. PHH Emailed stating ''we 'll move fwd w/ the settlement ''. A few days later we are informed the investor denied the $ XXXX. Each time we were forced down a garden path, jump thru hoops ( more hardship ) w/ no fruit at the end of the day. 6, We are informed by many many PHH reps the foreclosure was on hold for some unknown reason, not the case as of XXXX. No one at PHH said a word in all our communications. 7, As of this Complaint, no one at PHH will communicate w/ us. We MUST go thru one dedicated party who is failing to address our questions and concerns. 8, We asked why the investor denied their own counter offer? XXXX stated ''We have equity ''. This is Illogical and misleading. 9, We asked, why did the investor make the counter offer if they knew we allegedly have equity? No viable answer came forth. 10, We last spoke w/ XXXX XXXX XXXX stating he will have answers by XXXX, XXXX XXXX. After a dozen calls & Emails to PHH in the past few weeks, it's now XXXX, no response or clarity. XXXX, PHH keeps sending us USPS mail & Emails that read ( in part ) ''Just because your forbearance is ending, doesnt mean youre on your own. Were here to help you get back on your feet ''. When we make contact w/ the phone # in the communications. We are told, we have equity they can't help or we need to call XXXX. Another series of misleading, deceptive communications that fail to live up to the intended claim. Note ; PHH works on call backs. These call-backs take days, in many cases appointments are weeks out. We have been displaced and have very limited services. Most communications w/ PHH has been thru Emails. PHH holds fast to ''one size fits all ''. This ''Do n't call us- we'll call you '' attitude is yet another hardship on us.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98074
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My 100 % completed application to drop my Mortgage Insurance and {$340.00} check for the appraisal was delivered in XXXX to PHH Mortgage. The check was cashed about 1 week after receiving my application. I have made inquiries and received requests that I've immediately followed up on. It is approaching the end of XXXX with no apparent progress in my application. I can not get a credible answer regarding the timeline for my request. I'm continually informed that my email will be responded to in 10 business days and that a relationship manager will reach out within 10 business days, with no follow-up. It's taken 5 months to get an appraisal ordered. My concern now is will it take another 5 months to process the appraisal and drop my mortgage insurance?
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This fraudulent mortgage company has shysters with an office that no one is allowed to walk in or schedule an appointment. PHH mortgage services is refusing to send a payoff statement after being asked repeatedly. PHH mortgage will send the payoff statement if an appraiser checks the appreciation value and a closed agreement sale is completed to generate a calculation. Escalation management were giving probable estimations over the phone refusing to deliver a precise written payoff statement. PHH mortgage is breaking the state law of New Jersey in regards to send a payoff statement after a written request is sent.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was transferred on XXXX from XXXX XXXX XXXX to PHH Mortgage. I was informed I need to start payments to PHH. PHH has no record of this transfer and will not accept a payment at this time. XXXX XXXX has stated they will not take any more payments. I am trying to avoid a late fee and late payment on credit report but neither company will assist.
Company Response:
State: UT
Zip: 84040
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My XXXX Credit Report XXXX PHH Mortgage reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.
Company Response:
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid my mortgage off XXXX and certified check cleared on XXXX. I have continued to receive harassing phone calls saying they havent received payment. I have emailed proof on numerous occasions and also sent a certified copy of the certified check, my home equity statement showing it came out and was paid, my savings account statement showing money deposited for certified check, copy of the payoff letter showing where the payment was mailed to per PHH Mortgage instructions. The continuously call me saying they havent received payment when I sent them the canceled check. They have put negative comments on my credit report. I have authorized them to speak with XXXX XXXX XXXX who sent the certified check and they continue to contact me after I asked them to speak with bank. I have already started making my new mortgage payment. They have sent me two early intervention letters when my account is under dispute. This harassment is out of control and causing undue hardship not only on my credit but my health. Please advise. I have put them on notice of legal action if this continues
Company Response:
State: KY
Zip: 40258
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A