PHH Mortgage Services Corporation

2016-11-04

South Florida, FL

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: On XXXX/XXXX/2016 I was pre approved for a home mortgage ( FHA ) by Sunbelt Lending Services after presenting all requested documentation. So I move throgh with my broker for home inspection, we needed to fix couple things on the desired house as well after inspection and I had to pay for the appraisal. Everything went well, house was fixed, appraisal approved, tittle company with my deposit in approved also the house. So far everything was ok till I received a phone call by the lender saying that his investor was not confortable and he needed at least 25 % or 30 % as down payment. Pre approved loan down payment was 5 %. It was told since the begining for the lender that maximum down payment would be 5 % and my biggest concern is that he let me go up to the end, paying off the fixing, inspections and appraisal. It really feels like bait and switch. After that I and my broker asked him to send a denial letter accordingly and he would not pick up the phone or reply our emails for 3 days. After that I could get him on the phone and he emailed the denial letter, but only saying that I have not sufficient funds! Which is not true. It occured because he changed his propose after everything. So far I expent over {$1900.00} ( inspection, appraisal, fixing, accountinh services ) and still fighting to get my deposit back from the title company. Lender said that he would give me what I expent as a credit for an upcoming application. But honestly I will never do it again with this lender and would never recommend their services for anyone. XXXX XXXX XXXX was the loan senior officer.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-03

Succasunna, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-02

Humble, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-29

Clay, MO

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-27

Farmingtn Hls, MI

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Fridley, MN

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We had an approved trial plan with XXXX. Our loan was transferred to PHH. PHH refused to honor our loan modification. We made all trial payments on time. I am attaching a fradulent statement sent to us by PHH. They bhave since refused our payments.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-24

Sarasota, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-24

N San Juan, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I had my loan servicer changed apparently which I discovered when my payment was returned. My old company very nicely helped me get the new company information which I input into my online XXXX XXXX billpay. That payment was sent out and recieved successfully several months. Then my XX/XX/XXXX payment was rejected by PHH Mortage and returned to XXXX XXXX creating a late payment and fees and so forth. My repeated calls to PHH resulted in being treated like a liar and an XXXX when i clearly had proof of successful payments and a rejection by PHH of my payment through XXXX XXXX. Now PHH refuses to work with me and has assessed fees of various kinds and i am sure has dinged my credit. I do not want to work with this company and feel they are a terrible company. I did not consent to have my loan servicer changed and want my old one back! I cant be looking forward to 30 years of this TERRIBLE customer service and deceptive practices. https : //www.phhmortgage.com
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-21

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-21

Anderson Dam, ID

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-15

Livermore, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-15

Saint Augustine, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Randolph, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-12

Town Center, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-10

FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I received a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my Mother. XXXX I was layed off and gotten sick could not pay make payments. 1. Being sued by PHH mortgage XXXX to foreclosure. 2. They have no assignment of mortgage. 3. PHH Lost Mortgage 4. PHH Lost Note 5. False statements at filing XXXX 6. Stating they are a govenment agency to the court ( PHH is not a govement agency ) 7. Having so far XXXX men try to break in with out a judges order and one broke in looking at me in my bed. Very dangerous threating actions to myself.. 8. With me living in condo putting a notice on the door this is a vacant propery ( Lie ) PHH paid company then to brake in to change locks according to sheriff without judges orders. 9. Will not give me a payoff in a timely manor ( I had to accept offer to sell without knowing what the payoff was. ( XXXX XXXX ) 10. Would not allow any mortgage motifications just wanted me to short sale only. Just was offered that by PHH attorney today XXXX/XXXX/XXXX they will not correct attorney billing and fees. ( They just want the condo and will not let me sell it so far ) False filing in XXXX then in XXXX that is 13 years later after mortgage taken out filing a assignment without notice covering up. 10. Excessive attorney fees and me haveing to paying for men to threaten me ( very weird ) break in and threaten me? Need your help possible HUD, RESPA, TRUTH IN LENDING VIOLATIONS, MORTGAGE FRAUD NO ASSIGNMENT FOR 13 YEARS, UNITED STATES COMMERCE ACT VIOLATIONS, BANKING VIOLATIONS, HARP WILL NOT LET US PARTISPATE, ELECT. FEDERAL VIOLATION FILING WITH LOCAL COURT, TRIAL DENIED, SELLING TO XXXX XXXX WITH FALSE DOCUMENTS ( NO ORIGINAL DOCUMENTS NO NOTE, NO MORTGAGE, NO ASSIGNMENT ) XXXX XXXX UNDERWRITING NON COMPLIANCE.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-06

Blackwood, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-05

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I lost my home to forclosure, applied for loan with my local XXXX in 2008, they sold loan to phh mortgage at closing apparently, notice was given that our server was being changed from mortgage services to phh mortgage services same telephone number for both At closing we paid a full year of insurance up front, the originator XXXX XXXX presented himself as XXXX employee although he was registrated with nmls working for phh. Despite the fact I 'm told a corespondent leader could n't work for a XXXX lender at the same time in ct, XXXX became the investor and said they were involved with loan from beginning. Phh said it was n't XXXX, XXXX said they were and we never Had a true opportunity to modify our loan and yet my credit report said we had an partial payment agreement, I wish I could understand what happened so I can move on with our life, phh sent us a lettler our payment went up for lack of insurance then a lettler came that said their records show we had insurance with XXXX and they had n't received our permission to change it we had our insurance with XXXX which they paid out of funds from closing! When I failed to get anyone at phh to resolve this I called td bank na well they were baffled said the did all there closing in the bank and not at an lawyer office in which our took place they said phh had done some work for them but could n't verify our originator. If anyone could explain this relationship phh td bank XXXX I would be greatful. Oh also at one point I was told our escrow account was in the negative then while we were in court I received statement with XXXX. Dollars in the escrow, well they got it I wish I had my wits to fight
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-04

Macon, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-04

N Valley Stream, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-03

Hudsonville, MI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-03

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I paid off my home 28 days ago and still have not received the balance of my escrow fund from PHH Mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-29

Oakley, CA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response