Date Received: 2022-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good afternoon, My mortgage formally was with Ocwen Loan Servicing and was sold to PHH Mortgage ( XXXX XXXX XXXX ( XXXX XXXX ). There has been several occasion were this lender PHHXXXX XXXX has been trying to get me to either refinance or do a loan modification. I have mention to them a numerous amount of time theses are not need at this present time when they were offered during COVID in XXXX. PHHXXXX XXXX XXXX has applied a loss mitigation/Forbearance fee of {$140.00}. I have repeatedly informed them of my decision regarding this following service. I've recently received my mortgage statement for XXXX and the fee have not been removed. Please Help, Kind Regards,
Company Response:
State: NC
Zip: 28112
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I refinance after divorce in XXXX to pay him and there all these insurance leins on my property and the morgage companies I've paid over 20 years are not who I'm actually paying according to my XXXX XXXX XXXX I've given XXXX dollars to since XXXX on a less then XXXX dollar debt and somehow I still owe XXXX dollars and the principal on my house never goes down
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since XXXX My mortgage company ( PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX has made repeated errors to my account. I switched XXXX XXXX XXXX as of XX/XX/2022. Since then my mortgage company has insisted I pay XXXX monthly on top of the XXXX they draft monthly. My new home owners insurance is much lower but they can not seem to understand what they are trying to do. Then they sent XXXX separate payments to my new insurance company, XXXX for XXXX and another for XXXX. It took me calling over and over to find someone that would help fix the problem. In the meantime, I sent in XXXX by check and marked it for escrow along with a letter stating the payment was for escrow. However, they took XXXX out of that check and drafted my XXXX as mortgage payments. I have called and spoken to a lot of representatives but it leads XXXX. My credit rating has dropped as well. I am a XXXX parent and care for my XXXX XXXX XXXX My budget goes to bills first and then I put extra down when I can. This company is totally out of controlling and should not be in the mortgage business. My loan was sold in XXXX to PHH and I have had nothing but problems since. Any assistance would be so appreciated. The company has never reached out to me with any type of notification as to what and why they are doing these things. I have not recourse as to who buys my mortgage, but they can ruin a person 's credit with no questions or responsibilities.
Company Response:
State: TN
Zip: 37931
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This account was paid off in full on XX/XX/XXXX by refinancing the property with a new XXXX XXXX Deed ( ref attached payoff demand, wire transfer confirmation and recorded XXXX Deed of Trust ). The payoff demand included several items of overpayment which PHH has not refunded to borrower XXXX XXXX XXXX. The first item consists of three days interest at {$62.00} per day for a total of {$180.00}. The payoff demand was for interest through XX/XX/XXXX but the actual payoff was made on XX/XX/XXXX. The second item consists of charges from pursuing a fraudulent foreclosure action after the loan was paid off. These charges total {$2900.00}. The third item is for flood insurance premiums paid through the PHH escrow account for 14 months of coverage after the loan was paid off on XX/XX/XXXX. The attachment titled PHH escrow account summary shows a payment of {$920.00} for the period of XX/XX/XXXX through XX/XX/XXXX. In addition, XXXX months premiums ( {$150.00} ) from the policy providing coverage for the period from XX/XX/XXXX through XX/XX/XXXX should be refunded since the mortgage account was closed out two months prior to the expiration date of that policy. Also attached is a copy of the payoff demand made by PHH on XX/XX/XXXX in the amount of {$490000.00}, almost XXXX months after the loan was paid off. At that point, I retained an attorney to get the fraudulent Trustees Sale cancelled. PHH finally cancelled this sale on XX/XX/XXXX.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This goes with my earlier complaint XXXX. PHH Mortgage services has hit my XX/XX/XXXX and XXXX but i missed the calls because i was at the hospial with my father. I called them back on XX/XX/XXXX to see why they were trying to contact me only to get told there is nothing noted on my file and they have no knowledge of anyone trying to contact me. Hopefully you can help me find out the reason they were calling my phone.
Company Response:
State: WV
Zip: 262XX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: phh mortgage services XXXX XXXX XXXX escrow dusbursment is over 60 days have not received payment closed XXXX XXXX 2022, called 3 times each time they told me to wait
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My mother died on XX/XX/XXXX with XXXX XXXX of XXXX. She was buried on XX/XX/XXXX. After going through her papers. I found the house was in Reverse Mortgage with XXXX who gave a first Covid-19 6 months extension in XX/XX/XXXX. I was quoted by all three mortgage companies of the Covid-19 extension available to me. ( two 6 months, one ( 1 ) 3 months. The loan was sold to Reverse Mortgage Solutions XX/XX/XXXX. While under the Covid extension Foreclosure procedures were started in XX/XX/XXXX on the property. When asked why I was told it was the normal procedure & I needed not to worry I was protected on the extension, But yet they proceeded with foreclosure procedure. I feel I was not protected under the extension. I was sold to PHH Mortgage Company. I requesting second six months extension. I was quoted I had three more months if I needed it. I asked for the three months with the six months and was told to wait until I received the letter of administrationXXXX XXXX, XXXX I called PHH informing received the letter of administration and requested the 3 month Covid-19 extension. I have corresponded diligent with all three companies & have a detail time log to stay inline with document deadlines and request. Calling weekly to check on my request, each time I was told its under review. On XX/XX/XXXX the end of my extension I was told that I was denied the three months extension. I began to meet with a supervisor XXXX every Thursday to discuss what our options were to buy the house. I met all the requirements of PHH stated for postponement of XX/XX/XXXX auction sale date. 1.Pre approval Leander letter for the over full amount of PHH Heir payoff quote. 2. Realtor purchase Contract which PHH later started was no longer needed. 3. All signed heir Documents in order to purchase the property. Final updated documents sent in XX/XX/XXXX for for sale date postponement giving us time to buy the property. My mother was caring for my XXXX sister. I had to relocated from XXXX XXXX XXXX XXXX for XXXX years on a semester leave of absence to come and take care my mother. Since my mother has passed away I am now the caretaker of my sister. I am her payee and her in-home support servicer I took over my mothers care of my sister. I later had to take early retirement from my XXXX job in XXXX to stay and care for my sister. Her doctors recommendation was not to move her from her living arrangements. I have followed every guideline to be able to purchase the house to keep her in her environment. After doing everything PHH requested for postponement time allowing me time to go through the procedure to buy the property. When calling PHH mortgage to check the postponement on XX/XX/XXXX. I was informed that I was denied postponement in order for me to buy the property. The PHH mortgage rep informed me to get a lawyer for a restraining order on the house a restraining order on the house. You can imagine my devastation. I feel like have been misled lead. I was not even giving opportunity to do an appeal I feel that PHH mortgage company is not allowing me my right to buy my parents property that has been in the family since the early XXXX. I feel between the three companies they have been confusing and contradicting in their information to me. I have work in good faith and listening and follow their demands and guidelines. When asked today again for an appeal. I was told it needed to be requested in writing and it was a 30 day turnaround which is not the time that I have. I feel that PHH mortgage has not been fair with in the heirs to purchase to keep our family home. I feel they took illegal actions on the families rights to buy the property while under a Covid extension of protection. Why would a lender deny funds to pay off the property.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mom passed away in XXXX of 2021. Prior to her passing she gave me power of attorney of her affairs. I began to contact the original mortgage company XXXX XXXX to get information about her reverse mortgage, such as how much was owed and what we needed to do to keep the mortgage validated and current. When my mothers health continued to tried to reach out again. Most recently with PHH the new mortgage company. As with the previous time. They refused to give me any information regarding her mortgage. I am on the deed of trust and still can not get any information. I have submitted proof of the deed and still can not get any information The have now recently sold the mortgage to another mortgage company. They to refuse to give me any information, even after submitting proof that I am on the deed. Property address : XXXX XXXX XXXXXXXX, XXXX, CA XXXX I feel that my rights under Regulation Z are being grossly violated. PHH the current mortgage holder has been stonewalling and stalling me since the email I sent with copies of the deed of trust on XXXX XXXX. The phone number I have for PHH Mortgage is XXXX
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: There are two reasons for this complaint, one of them being that my house was sold in an illegal sale when we were protected by the FEDERAL automatic stay.. Second PHH purposely sabotaged my loan modification.My house was approved for a loan modification in XXXX. Please see attached records of each and every time I called PHH When I called in on XX/XX/XXXX I wanted to make sure PHH had all my correct information such as phone numbers and emails. I was advised I had {$150.00} credit. On XX/XX/XXXX I talked to agent XXXX XXXX and i was told again I have {$150.00} credit. I asked how, she didnt know, would put it in request to find out, but I was told to pay {$610.00} for my month of XXXX loan modification. On XX/XX/XXXX I called again to confirm the {$150.00} credit again I talked to my single point of contact agent XXXX XXXX, she confirmed again to make the trial payment minus the XXXX credit so I did! Please see attached proof of payment! XX/XX/XXXX I made my appointment for pH H to confirm that they received my payment they said they did not. I called back with the tracking number XXXX they told me it was there. XX/XX/XXXX I called again to confirm the payment was accepted.It was. XXXX called to confirm payment for XXXX was to be XXXX. I spoke to XXXX XXXX XXXXpayment received was advised that after the XXXX payment they would send out the modification finalized. XX/XX/XXXX I received a letter I was denied for failing to make payments within the timeframe. Was I never advised that the payment was incorrect? How can you guys set me up for failure like this. Why was I told the first payment was the correct payment amount when it was not! I was given bad info that has cost me my home!!!!??? I was never advise that the payment was incorrect. Ive been trying to rectify the situation with no help. I had no choice but to file for bankruptcy. You guys still sold my house. On XX/XX/XXXX I called the floor closing attorney XXXX and they said the sale date was canceled due to XXXX. On XXXX I called back to see what was going on as PHH now is saying my home sold!!! I was trying to get info on my modification situation but they did nothing but run me in circles. XXXX The girl at the law office XXXX said the home was sold. I asked how after they told me the sale was canceled on the XXXX! She said that they are waiting for instructions from phh, but that the home will be rescinded. Regardless, I left a message for the attorney to call me back he never did!!!!!.. At this point its been made very clear that PHH wants my house. Ive been trying to get through for help and have been speaking with a supervisor by the name of XXXX XXXX. His direct phone number is XXXX. He stated that he would assist me on this recession matter. Yesterday XXXX he called me to say that the decision is final and the house is being filed. He told me to call the attorney directly because he cant do anything else at this time. He said to ask for XXXX or XXXX. By the time I finally got someone to help me it is now too late! Why for all these weeks has anybody refused to answer any questions about how my household was when I called literally the next day and you guys told me it was canceled due to the bankruptcy you guys were very well made aware that a bankruptcy was filed. My bk was filed XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX I called the attorney 's office XXXX a number of times and the staff terminated the calls on me. I called back and spoke to XXXX who said XXXX is the only XXXX attorney there and he is the only one who can help. Phh is refusing to speak to me as they are saying nothing but XXXX. The only one who did anything for me there was XXXX. The attorney have never returned my call nor attempted to explain to me what is going on. I will be filing a complaint with the state bar. I am demanding that all my documents be reviewed, all calls replayed as they are monitored, my home back, and my modification back! IT IS ILLEGAL WHAT YOU HAVE DONE TO ME!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53027
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was under XXXX XXXX bankruptcy from XXXX. My XXXX XXXX was discharged on XX/XX/XXXX. The trustee made all of my mortgage payments during this time and cured any past due amounts. I became responsible to begin making my own mortgage payments on XX/XX/XXXX. However I sent that payment to the Trustee on XX/XX/XXXX and they sent the payment to PHH Mortgage in the amount of XXXX. I have been making weekly payments to PHH since XX/XX/XXXX. My last payment of {$160.00} was made on XX/XX/XXXX and they rejected my payment. The reason for rejecting my payment is that my account is due for XX/XX/XXXX payment. I have repeatedly called them since XX/XX/XXXX to have my account updated since my discharge to no avail. The last statement date of XX/XX/XXXX shows a payment due date of XX/XX/XXXX with no past due amounts.The information on their website and the information on my statement differs.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A