Date Received: 2022-07-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have called for PMI Removal because my house value has gone up. After 2 calls someone put me in the system to get a letter about how to remove it. The letter came, but the final appraisal cost PHH Mortgage said to get rid of PMI was way above the 22 % threshold to cancel based on my current loan amount. I called them for clarification why the XXXX was more than 78 % my loan balanced and was told I can only email the 'PMI removal dept ' which is actually just the main customer service email. I emailed them about the 'PMI Removal department ' and my situation and received an email from regular customer service saying they 'forwarded my message to PMI Department ' and give them 10 business days to respond ... That was XX/XX/XXXX. It's now XX/XX/XXXX and I've emailed and called PHH Mortgage several times but they indicate they can only 'forward my request to the PMI Department ' ; give them more time, give them more time. But they will not give me a name, contact, or email of anyone actually from the PMI Removal Department as if it doesn't actually exists. I suspect PHH Mortgage is dragging out my request so they can keep charging me PMI and have put up road blocks like faulty laying out the XXXX threshold and then pretending they are 'working on responding '. It's been very frustrating, I hope you can help.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sometime last year, my loan servicing was transferred over to PHH Mortgage. Almost instantly, I started to receive a barrage of emails, and postal letters, and even phone calls trying to upsell me and sending unsolicited requests to try to refinance my house. When i say a barrage, I mean EVERYDAY I would receive a new message in postal mail, and several times a week I would get emails about home mortgage refinancing ... home equity loans... literally anything and everything you likely never wanted to do with your mortgage. It was unending. To the point that I finally reached out to PHH and requested they stop. I got an email saying they would. The torrent subsided slightly... but only slightly. I can not get off their mailing list. I can not seem to get it through their heads to not call me on the phone to try to sell me on some XXXX mortgage product. They seem to survive by harassing their own customers. I just want to be left alone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I did the closing on XX/XX/2022 and the the APR is over 8 %. Because I am paying so much interest, I was trying to pay it off as fast as possible. In XX/XX/2022 I sent a certified bank check of {$140000.00} to be applied toward principal only. However they took the about {$8000.00} as the 5 % prepayment penalty and another % XXXX plus as fees the could explained. After multiple phone calls, they reverse it and brought my balance to {$31000.00}. I requested a pay-off quote in XXXX and they wanted to charge me about XXXX more as, again, unexplained fees. After multiple phone calls again the issued another pay-off quote of {$33.00}, plus on XX/XX/2022. I wired transfer the money to them on XX/XX/2022, more than a month before the expiration date, but they still don't want to bring my balance to XXXX. No body in the company can give me an explanation about why. PHH mortgage is a nightmare. I don't believe there is any worst company than This company. They are acting as an organized crime institution. Federal authorities have to get involved to save the consumers from those crooks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02907
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I originally filed a Complaint with the Office of the Comptroller of the Currency ( OCC ) regarding XXXX XXXX XXXX XXXX and acquisition of all trust servicing business from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, XXXX. XXXX can no longer be contacted. XXXX XXXX XXXX has no contact information. As successor trustee to prior Residential Mortgage Backed Securities ( RMBS ) trusts, contact information for legal holder trustee under the Real Estate Settlement Procedures Act ( RESPA ) must be provided. XXXX Mortgage originally identified the " owner of the account '' as XXXX XXXX XXXX XXXX ( Trust ) Services at XXXX XXXX XXXX XXXX, Maryland. They can no longer be contacted and no forwarding address for successor trustee ( Computershare ) has been provided.or can be found by the CFPB. Qualified Written Request ( QWR ) under RESPA was requested for new contact information in XX/XX/XXXX- with no response from XXXX Mortgage.. The OCC referred the complaint to the CFPB - who could not locate any contact information for XXXX and forwarded the complaint back to the OCC on XX/XX/XXXX. The CFPB has not yet received the forwarded complaint back to them, and requested that I file a new complaint. Apparently, there is dispute as to regulatory compliance regarding XXXX licensing and servicer who claim to act for trustee to XXXX. Successor trustees must be disclosed, but the OCC did not have regulatory compliance in place when XXXX was licensed to acquire XXXX. Thus, bouncing back and forth between agencies has occurred. The OCC claims they have forwarded the complaint ( again ) back to the CFPB - but the CFPB claims to have no record of that. Thus, a new complaint is hereby filed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2022 I applied with ( HAF ) Homeowners Assistance Fund. I received and subimitted my Application on XX/XX/2022. I called XXXX several times and all you get is someone that answers the phone only to tell you it is in review but not explaining what that means are if anything is being done in regard to my application. I am currently behind on my Mortgage and running out of time for an answer. They have no contact information or updates at all. I would just like to know if I am approved or not and so I can figure out something. I think this is a poorly ran program because they have all my personal information and no one is communicating to me in order to tell me what they are doing with it. This application was submitted to the XXXX Florida office. XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Hours of Operation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I built my home and finance it by myself, in XXXX. I was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX XXXX into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day Libor rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a Home Ownership Accelerator Loan and the payments change monthly based on the interest rate ( Margin ) plus the 30 day Libor. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC Mortgage. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. In XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the " Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC Mortgage or XXXX. I wrote him back on XX/XX/XXXX and told him I found my " points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC mortgage in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was abusive to my two young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC Mortgage on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure. GMAC Mortgage ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named OCWEN Loan Servicing Center ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My Bill Pay from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from OCWEN. What I have found in my research is that OCWEN was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and OCWEN a total of {$100000.00}. ( this does not include payments to XXXX and XXXX. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted GMAC hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! XXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the Libor rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the XXXX in XX/XX/XXXX. Then the pandemic hit and I started receiving mortgage statements from a company named XXXX Bank. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with XXXX to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at Idaho Housing and Finance Association. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed XXXX an 8 page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email " XXXX '' stating that the documents were too large ( even though they were under XXXX ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and DT. On XX/XX/XXXX, I received an email from the loss mitigation department at XXXX telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX XXXXXXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to Back in the XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from XXXX. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from XXXX on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was XXXX. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact GMAC and OCWEN because XXXX didn't take over my loan until XXXX. She said that OCWEN would be impossible to reach so " good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called XXXX again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done XXXX for XXXX years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was abusive, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that XXXX can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. In addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their GPS tracking system shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters " THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. Me trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from GMAC, OCWEN, XXXX and XXXX. I am a female, XXXX XXXX XXXX and I raised my children all by myself without any help at all. I have been XXXX since XXXX. I work hard XXXX. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. I do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. It was previously scheduled for XX/XX/XXXX, then XX/XX/XXXX. It keeps getting pushed out. Yesterday ( XX/XX/XXXX ) I received a notice from CFPB.. That notice was from XXXX who acquired OCWEN. In their statement, they claim they have no record of my mortgage. They want me to provide them with information regarding my mortgage. I am not going to make their job easy. They sent me emails, and also reported my mortgage to the credit bureau so they should absolutely have record of it. The fact that they can't find record of it is very concerning. This just goes to show that they must not have record of all the payments I made to them. I spoke with my housing counselor today. She informed me that she spoke with XXXX yesterday ( XX/XX/XXXX ) and was told that they closed my loss mitigation application but could not provide a reason why. My counselor was told that I have to begin the process all over again. They told me to call on Friday and ask why it's closed. This level of incompetency is unacceptable. They need to be investigated for fraud and be shut down for incompetency. XXXX XXXX
Company Response:
State: ID
Zip: 83634
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: They will not remove my escrow account, and they are overcharging me. I keep trying to get them to remove my tax payments and insurance payments so i can pay them myself, and to stop charging me PMI because the LTV is 67 %. I submitted several requests for them to remove escrow and PMI. They take two weeks to reply to each inquiry, and deny each for different spurious reasons. The county appraised the property for tax purposes in 2020, and the house appraised for an amount that reduced my LTV below 70 % ... and yet they are trying to make me pay for an appraisal plus some other fee. I am paying my own insurance, and have been for over a year. They somehow did an escrow analysis and found a shortage, because they were falsely charging me for some fake second insurance policy. I want that money back, but they will not reanalyze my escrow. It is hopeless dealing with this company. It is hard to get through their menu to a person, and then they pass you off to several different departments. Then they tell you to submit something in writing, and then they wait two weeks to respond. They are rude and short on the phone, and trained to never help you but avoid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to PHH within that time. PHH requested I pay the deferred forbearance loan upfront. I informed PHH that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, PHH reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that PHH reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the 3 trial payment PHH also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with PHH via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported PHH to the XXXX XXXX XXXX XXXX services. PHH quickly responded to XXXX in which they expressed mistakes on their part.
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH allowed my home to go to foreclosure without paying the documentary stamp taxes and they did not pay the intangible taxes. As such it is illegal in Florida for them to take my house to sale. They were supposed to record the loan modification and the doc stamps and intangible taxes on the increase of the loan modification.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I would like to file a formal complaint against PHH Mortgage Services for inflated payoff cost, XXXX discrimination, and retaliation after my initial complaint. Locations that I previously sent written disputes ( see enclosed communication dated XX/XX/XXXX ) in an attempt to resolve my complaint, include : PHH Mortgage Services XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PHH Mortgage ( Disputes ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Ocwen Financial Corp ) Attn : XXXX XXXX, Chair of the Board XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX Complaint recap On XX/XX/XXXX, I requested a payoff statement from PHH. PHH provided a payoff statement on XX/XX/XXXX for {$68000.00} good thru XX/XX/XXXX. PHH also provided the title company with this amount. On XX/XX/XXXX my family closed on the estate property, and XXXX XXXX company wired the payoff amount to PHH. On XX/XX/XXXX, PHH contracted with attorney XXXX to accelerate foreclosure on our family home and sent a XX/XX/XXXX revised second payoff statement with the same XX/XX/XXXX good thru date to include additional appraisal fees, but did not communicate this fact until after the sale. The second payoff amount was {$69000.00} a difference of {$790.00}. On XX/XX/XXXX attempts were made to resolve this dispute, but PHH would not accept payments until another, third, payoff statement was generated. The third payoff statement dated XX/XX/XXXX in the amount of {$71000.00} now included fees of an additional {$2500.00} and noted FORECLOSURE status on the statement, unlike previous payoff statements. I wired the difference between the amount sent by XXXX XXXX XXXX ( {$71000.00} - {$68000.00} ) and the newly inflated third PHH payoff fees on XX/XX/XXXX with the intent of filing a claim to seek reimbursement and report PHHs deceptive unethical practices. I believe that my family and I have experienced XXXX discrimination due to the history of fees assessed to families of XXXX as well as being the victims of inflated predatory fees while attempting to close our loan with PHH. For these reasons, I am asking for an investigation of PHHs inflated fees and reimbursement of {$2500.00} by PHH for fees paid after our home was sold and paid PHH the original payoff amount.
Company Response:
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A