PHH Mortgage Services Corporation
Consumer Complaints
There are over 2450 complaints on file for PHH Mortgage Services Corporation. Dated between 2019-06-28 and 2012-02-17.
Complaints Page 21
2017-11-27
Wallington, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: PHH Mortgage Corporation ( PHH ) conspired with my XXXX XXXX XXXX ( XXXX ) XXXX to steal my {$250000.00} co-op unit with an {$85000.00} XXXX XXXX backed mortgage and knew that XXXX unlawfully seized my co-op unit onXX/XX/XXXX. XXXX did not have a warrant or judgment in violation of Recognition Agreement which was signed by PHH, XXXX and me. XXXX claimed that it unlawfully seized my co-op because I did not pay {$8100.00} in alleged past due maintenance. PHH was under contract to intervene, pay past due {$8100.00} maintenance if necessary or sue XXXX board for violating the Recognition Agreement. Instead of enforcing the Recognition Agreement or Loan Share Agreement with XXXX XXXX, PHH did nothing to help me get back my co-op unit and worked with XXXX to make the theft of my co-op unit permanently.
On XX/XX/XXXX, PHH and XXXX tried to sell my co-op unit in a private sale.
From XX/XX/XXXX through XX/XX/XXXX, PHH in violation of our Recognition Agreement reported my mortgage late to credit card bureau knowing that I did not live in my co-op unit, was being illegally barred from my co-op unit by XXXX since XX/XX/XXXX to damage my credit. PHH refused to allow my mortgage to go into foreclosure to cover-up the crime committed against me.
On or about XX/XX/XXXX, XXXX notified me of illegal sale of my stolen co-op unit on XX/XX/XXXX, and surplus {$100000.00} put it in XXXX XXXX XXXX of New Jersey.
On or about XX/XX/XXXX, PHH sued me in case XXXX XXXX vs. XXXX XXXX which PHH was not a party for the entire {$100000.00} to circumvent mortgage foreclosure laws. According to my XXXX for XX/XX/XXXXmortgage statement, I still only owed {$85000.00}. On XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX opposed PHH Motion. PHH hired new attorneys and put through the same lawsuit in XXXX XXXX on XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX XXXX opposed its motion.
On XX/XX/XXXX, I received a letter from PHH claiming my mortgage was paid in full. I have enclosed a Certified Letter to XXXX XXXX XXXX XXXX XXXX New Jersey dated XX/XX/XXXX, to see PHH collected any money from my stolen co-op.
XXXX and PHH broke into my unlawfully seized my co-op, stole all of my belongings and illegally sold my co-op unit. I did not receive a penny.
PHH was a part of the criminal ring and continued to report my mortgage late to credit card bureau through XX/XX/XXXX, knowing that I was unlawfully barred from co-op unit since XX/XX/XXXX, and XXXX illegally sold the co-op on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-26
Clarkston, MI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-22
Philadelphia, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: PHH Mortgage underpaid our property taxes by {$1300.00} and we had a lien on our house as a result of their failure to pay the City our taxes. I would like PHH to allow us to close our escrow account and let us pay our own city taxes and homeowners insurance.
After hours of phone calls they over-nighted the difference in payment on XX/XX/XXXX to the city and the lien was removed from our house. Since then they have charged us random amounts each month to make up for the low escrow balance and have been putting the majority of our monthly payments to escrow and not to our principal and interest. Since their initial mistake, the average breakdown of our payment each month has been 54 % to escrow, 30 % to interest, and only 16 % to the principal.
We transferred money into the escrow account in order to have our contributions to principal and interest go back to a reasonable rate. They have recently refunded this " overage '' in our escrow, making it so we would again be short for our city taxes this upcoming year. On XX/XX/XXXX we requested by phone the paperwork to close the escrow account so we can pay our own city taxes and homeowners insurance. We never received the paperwork and called again on XX/XX/XXXX and they said they sent a letter indicating that we are not eligible to close our escrow account. We did not receive this letter, although we have had other correspondence from them. The customer service representative we spoke with did not know why we would not be eligible to close our escrow account. We have paid off 44 % of our loan.
If they can not pay our taxes or estimate our escrow correctly and the majority of our payment goes to fund our escrow account, rather than principal and interest, we will be paying more in interest than we should be paying, especially over the life of the loan.
I would like PHH to allow us to close our escrow account so we can pay our own city taxes and homeowners insurance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-20
Brooklyn, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-19
Chestnut Rdg, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-16
Hickory Bluff, GA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-15
Mill Valley, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-15
Lancaster, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-13
Huntington, CT
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-11-06
Foothill Ranch, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: RE : CFPB Complaint # XXXX Thank you for the update on my complaint filed on XX/XX/17 regarding my situation with PHH Mortgage. Interestingly, I just received another advertisement in the mail from PHH ( see attached copy ) regarding the exact thing they offered me before and later denied. They bait people in saying, because of our excellent standing and estimated home value we may be able to receive cash out funds. I understands it says may, but then when you speak to one of PHHs ( I assume ) commission driven representatives, they further encourage you with statements about how we are in a great position to proceed. Then they basically steal over {$700.00} from you in a blink of an eye. Depending on the response I receive from PHH, which should not even take this long to resolve, I will decide if I will proceed with other avenues available to me. In the meantime, however, I will await a response from you.
Best regards, XXXX XXXX
Company Response: Closed with explanation
2017-11-04
Finksburg, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: PHH mortgage sent letter on XXXX XXXX 2017. The letter claims they mistakenly sent my original bills for this mortgage to zip code XXXX. in fact they sent them to the subject property at ZIP code XXXX. In the same letter they claim they switched future correspondence to the same XXXX ZIP code. So by their own admission they made no change to the account and in their own processes they believe they are illegally sending my correspondence to the wrong address.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-01
Santa Monica, CA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: Hello. In XXXX XXXX my property was refinanced and appraised for {$130000.00}. Mortgage company XXXX XXXX Mortgage XXXX.
Now, I 'm going to sell the property and find out the property is worth $ XXXX. The property values in the area went up / remained steady since XXXX. I think the appraisal was inflated to get the refinance through.
What recourse do I have?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-01
IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-31
TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Around the XXXX of XXXX, i contacted PHH Mortgage to see if i could skip a month 's payment due to the hurricane devastation in our XXXX Texas area. I was told about a program they had, but would have to pay all missed payments back eventually. Duh.. that was my intention. I got on the program thinking I 'd be back to paying my normal payments in XXXX, and just make an extra payment in XXXX to cover XXXX. Well, that did n't happen. Every day starting in XXXX, i got a debt collection call from PHH Mortgage about my " delinquent payment. '' And since then, I 've been receiving letters from PHH Mortgage about ( 1 ) delinquent payment ( s ), ( 2 ) ways to avoid losing your home, ( 3 ) credit score may be impacted and ( 4 ) lump sum " XXXX '' due XXXX/XXXX/XXXX ... yes that 's right XXXX!
Through the disguise of " XXXX '' PHH Mortgage has been able to harass me daily! Through calls and mail! They have not helped me ... .they have turned a natural disaster into a nightmare. Other companies have allowed me to temporarily halt payments ... .without any harassment at all, with a clear understanding that i would return to regular payments on a given date and my owed balance would remain the same.
PHH Mortgage seems to be using this devastation to rob me of my home and sanity!
Company Response: Closed with explanation
2017-10-30
Bar Harbor, NY
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-10-26
Plymouth, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX I made a principal reduction payment in the amount of {$200000.00} to my mortgage being serviced by PHH. An initial letter received from PHH indicated that my new monthly payment would adjust to the lower amount with the XX/XX/XXXX payment. However, on a bout XX/XX/XXXX a representative from PHH stated orally by telephone that my monthly payment would be adjusted to the lower amount for XX/XX/XXXX if my principal reduction payment was received before XX/XX/XXXX. It is outrageous that PHH is allowed to hold my funds for 75 days before affecting my monthly payments and overcharging related interest.
Company Response: Closed with explanation
2017-10-25
Greensburg, KS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-10-23
Foothill Ranch, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: In XXXX XXXX, my wife and I received an advertisement in the mail for a " cash out '' refinance from our current lender, PHH Mortgage. We thought it would be a great opportunity to take approx. 25K out to pay off our credit cards and do some long-needed home repairs. We first dealt with PHH Mortgage XXXX, XXXX XXXX ( NMLS ID XXXX ), who sounded very optimistic about our situation, so we proceeded with the application process. When we got to the topic of fees we would be responsible for, primarily the appraisal fee, I was shocked when he said it would be {$700.00}. We have been through refinances numerous times over the years and never have we been charged such a high fee. When I questioned him about it he said, " It could end up being less. '' I thought there was no way it could end up being {$700.00}, since most appraisals we have had in the past ranged from {$400.00} to {$500.00}. Believing this, we proceeded with the application process. My wife also had several conversations with XXXX XXXX, who told her the fees would be rolled into the loan and they would only be charging our credit card {$1.00}, which was required.
Our loan package was then transferred to one of XXXX XXXX XXXX, XXXX XXXX. She completed the loan process with us and was always very cordial with us on the phone. The appraisal was completed and our house appraised at an amount that left us in a great position.
The next thing I knew, XXXX told us our loan was denied because of " negative amortization '' related to our 2nd mortgage. We have never been denied in the past for any such reason. Very disappointed, we decided there was nothing we could do at this point. A few days later, my wife saw a pending amount to be withdrawn from our bank account in the amount of {$730.00}. I immediately called XXXX to inquire about it and she was very abrupt with me when explaining it, almost as if she did not have time for me anymore, since there was no money in it for her. I asked her what the fees were for and she said they were for the Appraisal, Credit Report and Flood Certification. I said the appraisal fee was way too high for our house of our size and value and I did n't even know what the flood certification was. She was very matter of fact and said I signed the PHH forms agreeing to these fees, so there was nothing that could be done. I asked if I could speak to one of her managers and she said I could, but it would not do any good because they would simply review my file and come to the same conclusion that I owed {$730.00}. Hearing that, I simply told her I would look into it more on my own.
The following week, I attempted to reach XXXX XXXX, who started our loan process, since he was the one we had the most discussion with about the fees. Both times I attempted to reach him by phone, he did not answer his line and although I left voicemail messages, he has not responded to my calls.
Incurring these ridiculously steep fees seems completely unfair, particularly when we were led to believe all was well and the fees would end up being rolled into the loan. We fully realize there are no guarantees with applying for a loan, but to me, this was simply stealing from people after giving them false hope.
Company Response: Closed with explanation
2017-10-21
Flushing, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-10-18
Arco, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I was called by PHH mortgage Corporation to refinance an existing loan that is in good standing. I sent them all the documents they asked for plus some showing my income and financial status, etc. Credit score is excellent. They initially approved the underwriting. I am XXXX and XXXX. I have income from two brokerage accounts. One account distributes IRA money and the second is using up some already taxed money before the IRA will be distributing funds to me. All this was disclosed upfront and they had brokerage account statements and bank account statements, etc. They are now declining the loan saying that I " have to use my IRA money ''. Today they declined the loan leaving me on the hook for processing fees when they knew from the start that they were not going to fund me if this is their positon because they had all the information from day one. Here I am trying to responsibly use my retirement money and they are trying to tell me how and when to use my IRA. This is deceptive practices, age discrimination, and they are not operating in good faith. The sole reason they are giving is that I need to use my IRA money for the monthly distributions. I need your assistance.
Company Response: Closed with explanation
2017-10-18
Marietta, GA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-10-17
WA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: XXXX missed a payment due to financially issues.
XXXX XXXX- called PHH Mortgage to make a payment- Was told I could not make a payment unless I have both payments I have tried to get PHH Mortgage to answer my calls- with no luck to getting any call backs or understandings to why they would not work with me on getting my payments caught up.
I was then served a default notice on my door.
I contacted XXXX XXXX- Case Manager Her direct number was XXXX ext XXXX I requested a loan modification was mailed out a package that I filled out and mailed back. We never heard back from her or anyone concerning the loan medication request.
I also reached out to - The United State Department of Housing and Urban Development- they placed me in contact with XXXX XXXX Once again we filled out the loan modification package- Again telling everyone that the Borrower and the Co- borrower were divorce in XXXX We never heard if I was granted the modification or not.
In XX/XX/XXXX I received information from PHH Mortgage stating a FORECLOSURE- and listed attorney XXXX XXXX XXXX XXXX XXXX the letter stated that XXXX XXXX remained Committed to working with me- HOWEVER- this was not the case In XX/XX/XXXX XXXX XXXX- sent me a letter with a payment - Again not indicating if this was the approval of the loan modification or not. There were payment coupons included- when I tried to get answers to what this payment was- I was not given information.
I then received a call from XXXX with XXXX XXXX on XX/XX/XXXX- which followed with an email XX/XX/XXXX- he sent a form stating he needed 90 days of current bank statements- and 30 days pay stub. I have not heard back from XXXX- nor has he replied to my emails or phone calls.
I was given different information- now being told because the information was not received 30 to 37 days before XX/XX/XXXX my house will be sold.
I have called the attorney listed on the file- No response nor call back I have reached out to XXXX XXXX and not given any information besides I need to speak with XXXX- Though XXXX will not respond to my calls nor emails I have reached out to the PHH Mortgage which is saying XXXX XXXX now is serving my loan.
AND -- the most important part the Borrower has NEVER been served nor will get any information today XXXX when she tried to call in to see what she needs to do to get an extension or to stop the forclosure
Company Response: Closed with explanation
2017-10-13
Gretna, LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-13
Azalea Park, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-12
E Lake, OR
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation