Date Received: 2022-06-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Immediately prior to COVID, we were working with PHH Mortgage/Ocwen on a modification plan. We had fallen behind on payments as ( then ) Ocwen had told us to pay once we receive its statements but its statements were sent to a wrong address rather than the address of record. Modification was approved, but our relationship manager specifically instructed not to pay as she said there were internal irregularities with the loan paperwork. She said she was fixing the problem on an expedited basis ( w/I 3-5 days ) so we may proceed with the modification. 2 days later, they recorded a foreclosure notice against our family home. We have since fought them for a modification. Each time they approve one, and we meet all conditions, they find a way to put us back into a new modification trial period. Recently, after we made all trial payments on time, they refused to send us the modification paperwork to sign, then reversed the modification for not signing the paperwork they refused to send. After fighting them again, they started a new modification trial plan. We made our 1st payment on time, only to learn ( when we tried to make 2nd timely payment ) that they reversed the approval because their agent made an error in processing the 1st payment. We only learned of that when we contacted them to make the 2d payment. They never tried to contact us ( thru any means ) to verify the bank account info. Instead, they automatically placed the account into active foreclosure status. They are refusing to communicate with us or solve the problem. They are missing scheduled appointments. They are refusing to put a hold on the active foreclosure as we try to communicate and resolve the problem. Both my husband and I are elderly and are severely XXXX. This company continued to delay in order to force us to either pay the entire sum in full or lose the house in foreclosure. Please note that we have tendered payments all along ( since this problem started ) but they refuse to accept payments in order for the payments to add up to a point where we can not pay or lose the family home. Please help.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Have received a loan modification. I made all 3 trial payments and even more. They then canceled my modification because my wife did not send her signature back in time when I told them that we are going there a divorce and that she needed more time to send her signature in even though I sent in my signature and had it notarized. This also started during covid and is Covid related. I have had numerous people try to call to get my modification reinstated and no one can get threw to anyone. When people leave a message no one calls back. They wont even except a mortgage payment from me at this time. How can I get a supervisor to speak to my representative who speaks for me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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 ) 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 XXXX 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 XXXX. 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 XXXX to my XXXX 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 XXXX XXXX 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 XXXX 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 OCC in XX/XX/XXXX. Then the pandemic hit and I started receiving mortgage statements from a company named XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX. 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 XXXX 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 XXXX. 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 XXXX. 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 taxes for 33 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 XXXX, 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 XXXX XXXX XXXX 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 self-employed 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. Please let me know how we will proceed from this point. Thank You, XXXX XXXX
Company Response:
State: ID
Zip: 83634
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XX/XX/2022, I sent PHH Mortgage notice of error in the payment of property taxes for my home. Follow-up emails were sent regarding this nonpayment in XXXX, XXXX, and XXXX. Last week, I received notice from the XXXX XXXX government that these taxes remain unpaid. To date 50 business days have now passed since PHH Mortgage received the initial notice of error. At the end of XXXX, I sent them written notice to immediately make full payment including any late fees or penalties and send me proof of payment. Their response was the same I received with every contact - I would hear something in five business days, which to date I never have. Yesterday, I informed them that if this was not dealt with the same day, I would file a complaint with the Consumer Financial Protection Bureau. I feel that they have not fulfilled their obligation to correct their error within 30 days. I am seeking your help to compel them to immediately make their payments.
Company Response:
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi, I hope all is well. My name is XXXX XXXX and I am the personal representative for my grandmothers property located in XXXX, MD. I have been working with a real estate agent to get my grand mothers house sold. We have been growing through the short sale process for a year. The first lender was XXXX. We got the appraisal done and it came in at {$90000.00}. The mortgage was then sold and moved to PHH. PHH would not use the appraisal that was done by XXXX and stated that they had to have there own completed. Another appraisal was ordered and completed in XXXX of XXXX. That appraisal was submitted and came in at {$70000.00}. All requested paperwork was submitted and we were awaiting next steps. While we were waiting, the short sale specialist stated that another appraisal had to be completed due to the appraisal expiring. Another appraisal was completed and that appraisal came in at {$100000.00}. Again, all paperwork was completed and submitted. Again we were waiting for the next step from the bank as all paperwork had been completed. The short sale specialist, XXXX XXXX, stated that the short sale would not be approved due to a sale date of XX/XX/XXXX. My real estate agent check multiple sites and even went to the court house. There was no sale date set. The agent also called PHH on XX/XX/XXXX and the rep stated that no sale date had been set and that there was no sale date on the property. The agent then reached back out to XXXX XXXX XXXX, the assigned short sale specialist asking if we were moving forward with the short sale and he stated no that a sale date of XX/XX/XXXX had been set. Another search had been done and no sale date of XX/XX/XXXX had been found for the property via the court house or online. At this juncture, it seems as though PHH is trying to push the property into foreclosure, more specifically XXXX XXXX is. At no point has he tried to help. It takes him weeks to respond to emails, if he responds at all and that is the only point of contact with him is email. Please help me save my grandmothers home from foreclosure
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A few months ago I received a letter stating that I would no longer be receiving statements by mail and that everything would need to be online. I called XXXX to ask why I got the letter and that I wanted to get my statement by mail and they told me that I would be charged an administrative fee. I asked that they send me that in a letter. I never got the letter, and when I got online to check my statement and called them again to see why I wouldn't be receiving my statement by mail, I was told again that it was a charge to get a paper statement. I can't find anything online, nor did I agree to this. Now I have received 2 payoff quotes within a months time and they are charging me {$60.00} for those. I never asked for a payoff quote, and have contacted them 3 times and every time I call them they either disconnect me, or I can not understand a word they are saying.
Company Response:
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint on 1st Lien On my 1st Lien, Ocwen continues the pattern of behavior of the debt collector seeking to collect and enforce a nonexistent debt for a nonexistent claimant. In this particular case, The current debt collector '' / servicer is PHH Mortgage. The past debt collector / servicer was Ocwen Loan Servicing LLC The nonexistent debt is the primary lien for the property located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX. The non-existent claimant appears to be a XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series 2006-SA2. 1st Lien History Ocwen Loan Servicing LLC was servicing my first lien just like my 2nd lien but was transferred over to PHH Mortgage in XXXX. In XXXX when I inquired about the owner of the note from Ocwen Loan Servicing LLC, they reported that XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment C ). In XXXX when I inquired about the owner of the note from PHH Mortgage, they reported that Ocwen Master Servicing, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment D ). Looking at the difference, the trustee changed from XXXX XXXX XXXX XXXX to Ocwen Master Trust. With no legal claimant ( a person or entity that can show that they paid value for the debt- Virginia Code 8.9A-203 ), any proceeds or collections of mortgage payments go directly to Ocwen. Closing Thoughts on 1st Lien Just like the junior lien, there is an nonexistent debt from an nonexistent claimant/ owner. Again, Ocwen has taken advantage of this information and has placed themselves as the Trustee of the Trust. If I didnt have proof of what Ocwen did on my second mortgage, I would not file a complaint. But because, Ocwens wrongdoing on my second mortgage, the same can be said on my first mortgage. Ocwen / PHH Mortgage knows that there is no claimant / owner who has paid value for the debt- Virginia Code 8.9A-203. Please help me to get answers from Ocwen / PHH Mortgage and they need to be held accountable for their actions on the 1 Lien. In their defense, I am sure they will say they have the mortgage note but because of their past actions on my second mortgage, Ocwen / PHH Mortgage needs to show 1 ) Existence of the Lender and 2 ) Existence of the debt ( unpaid loan balance - Virginia Code 8.9A-203 ). Again if an audit was performed, I am sure all payments will show them going directly to Ocwen and not to a nonexistent claimant.
Company Response:
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to pay my mortgage since XX/XX/XXXX. Each time I try I am always a little short and they wont take what I have. I got a 2nd job and worked to get the money to get caught up. When I did it was just in foreclosure. I asked for a reinstatement they said they would send it in 3 to 5 days. I didn't get anything. I had to call several times and basically beg for them to email it to me. I got it and it said I needed to pay XXXX I talked to my account rep and told her that I had the money and it was in 2 different accounts. She said that was fine to send 2 payments as long as both of them got there by the date. I sent one for {$2000.00} and one for {$5700.00} {$2000.00} was XXXX XXXX which was one of the options and the other a wire transfer directly from my bank. They returned the XXXX so I called they said to send it again and it would be fine. I did that and they returned it again. I called on Tues XX/XX/XXXX and was told they would send the XXXX back immediately and for me to send the whole amount. Which I would do except it is Friday and Monday is a holiday. They have promised me on 3 occasions that someone would call me back and nobody has. Its always 24 hours for a call back. I don't have 24 hours now. I just talked to someone and they have not even returned the XXXX yet however expect me to pay it by XX/XX/XXXX. They are now charging me a XXXX attorney fee and that is not right. I had the money to them when they wanted it.
Company Response:
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We started a loan with XXXX XXXX XXXX in 2007 when we bought our current home. After a few years we were transferred over to a company called OCWEN ( without our permission ) and eventually the problems started. After several more years, we were transferred to PHH Mortgage ( again without our permission ). Our main complaint / concern is that we now owe more that we originally borrowed. We make our payments on time every month and are getting nowhere. PHH Mortgage is a very difficult company to deal with. My husband has been on the phone with them for 3 hours straight ( at one time ) and they just pass him from person to person with no resolution to our questions. They are applying fees and penalties that we have no idea what they are or mean. They say we are behind between {$8000.00} and {$9000.00} on payments. We got a letter from them about 4 weeks ago stating we are in pre-foreclosure. At this point, we are exasperated, worried, and frustrated. We have been paying payments on our home since XXXX of 2007 and are getting nowhere. We just keep getting the run-around and feel that we are being mistreated and that our money is being misappropriated. We need help please! Let us know what you need further to address this. We are out of answers and don't want to lose our home. It is also affecting our credit scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27712
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I did a Deed in Lieu with PHH Mortgage on XX/XX/2022 at XXXX over the phone but I keep getting billing statements and they are still adding fees so evidently PHH lied to me and didn't do the deed in lieu. I have tried to contact them but as soon as i enter my information my phone calls are disconnected and my emails are returned undelierable. I had tried to keep my house back in XXXX only to be lied to again over not having to have my ex the coborrower signature to do the modification. Phh let me do the trial modification for 3 months without his signature then when the trial period ended they wouldn't let me do the full modification without my ex 's signature. I proved to them that I could make the payments. In the 3 month trial period i made 3 payments in the total of {$910.00} which now seems to have just disappeared not showing that i made the 3 payments at all. To clarify about the coborrower my ex he has already filed bankruptcy and has been released from all financial responsibility from the mortgage and PHH won't take him off the mortgage loan. I did a deed in lieu and and returned the property back to them on XX/XX/2022 at XXXX. I now got my foreclosure papers so they claim a deed in lieu was never done. They claim I abandoned my property so now there is a key pad lock on my door. I didnt abandon it I came to west Virginia to help with my father who has XXXX, I made the mistake of trusting my ex to handle it like he said he would until I got back, I had every intention on coming back. When I found out that my the ex the coborrower had done it was too late and honestly I got overwhelmed. I started working with PHH Mortgage and tried to keep my home but got constantlylied to. All my furniture was still in the house but since they changed the lock Id say its all probably gone now. Another thing with PHH Mortgage services that upset me on the final modification paperwork they sent me they now had a balloon payment of {$35000.00} after paying for 30 years and we only gave {$49000.00} when we bought the property. That would mean in 30 years I wouldve only paid around {$14000.00} towards the property which averaged out to about {$220.00} a year towards the property. I guess XXXX XXXX has the deed because they are the ones named on the foreclosure paperwork, but this is the first time Im hearing their name. Our mortgage has kept being sold, went from XXXX XXXX to XXXX mortgage to ocwen mortgage to PHH Mortgage. All of them but XXXX XXXXXXXX have had government actions against them and I definitely know why already experienced all of them and to me their predatory lending tactics. Im on social security XXXX because of my eyesight and I live on only {$850.00} a month so I cant afford an attorney I dont know if you can help me but even any suggestions I would be grateful for. I also contacted the XXXX on XX/XX/XXXX and they contacted PHH mortgage with my complaint and PHH Mortgage hasnt even acknowledged the XXXX message. I really wanted to keep my house but I know thats not going to happen. The property address is XXXX XXXX XXXX XXXX, sc XXXX XXXX & XXXX File # : XXXX XXXX Thank you for your time and understanding XXXX XXXX XXXX
Company Response:
State: WV
Zip: 262XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A