PHH Mortgage Services Corporation

2016-07-20

Amherst, NY

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: No Timely Response

2016-07-19

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

2016-07-18

Hinesville, GA

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

2016-07-14

Bakersfield, CA

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

2016-07-14

Virginia Bch, VA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: PHH Mortgage. Mishandling of the mortgage refinance process during a divorce proceeding.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Hudsonville, MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: PHH created fraudulent loan history to force foreclosure/eviction on us, we 've proven payment for the loan of {$15000.00} PHH wanted us to sign, we paid XXXX Bank in cashiers checks, we did not owe PHH. We are missing {$35000.00} in payments, all cashed by PHH. I have proof of all of this..we were also part of the {$6.00} XXXX settlement only for PHH to foreclose/evict anyway, PHH did not follow the NJ XXXX stipulation to apply all our payments, remove fees and bring us current. PHH " somehow '' managed to evict us ... someone is on the take, payoffs, something is WRONG here, how could we pay and still get evicted???? PHH took our credit, our money, our home, our chance for retirement and our lives ... I want it back!!!!! I have many documents to prove theses statements including an offer from PHH for {$50000.00} over the redemption cost ( we were denied redemption ), and we had to sign an agreement to not sue, be part of a lawsuit or hold PHH accountable in any wrong doing. PHH evicted us while I was completing XXXX treatments ... .can you say scum of the earth? PHH needs to be held accountable for what they have done and are continuing to do to homeowners. We had trouble from the day we signed our mortgage, we were never in a modification, did n't need one..we needed PHH to apply payments they cashed. We had no problem paying our payments.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-07-12

Philadelphia, PA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This is my second complaint to CFPB against PHH. In XXXX XXXX, I filed a complaint against PHH. However, before PHH could respond, XXXX, to which PHH had sold the Property already started eviction actions against me ( XXXX XXXX ). Therefore by the time PHH responded to the CFPB complaint in XXXX XXXX - essentially admitting their errors in fulfilling the agreed TPP - I had filed a civil complaint against both PHH and XXXX to protect my rights against their unlawful foreclosure and eviction actions, respectively. Because I have been proceeding pro se, both PHH and XXXX have continued to drag out this easily discernible injustice by legal maneuverings which I have been inadequately trying to defend. As a result, PHH has been able to skirt the issue of their failure to deal fairly in the execution of the TPP which was in place in XXXX and which, by their own admission, I never violated. My appeal is that CFPB will use a plain and straightforward method of enforcing the applicable regulations with which PHH has refused to comply for these 6 years ( from the onset of the TPP ) to date. Specific details, including timelines and pertinent court orders to date are in the attached documents. As of today 's date, my family and I face imminent but unlawful eviction from the Property at XXXX PA XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-11

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-10

Discovery Bay, CA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Tustin, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Library, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have received many phone calls claiming to be from PHH mortgage. When I do not answer, they do not leave any kind of message. When I do answer, they do not say anything and after a few seconds they hang up. I was able to get a someone to respond once. He had an accent and said I was late on my mortgage payment. I have NEVER been late on a mortgage payment, nor had I received any notices. A few days later I received a notice ( almost 2 weeks after the calls started ). I called PHHmortgage asking why it says I 'm late on my payment. According to the representative, my payment was applied to " principle only '' and the computer was not recognizing the payment. The representative said he made the correction and also advised that these phone calls were probably from their collection office. The mortgage rep was not able to confirm the calls were legit! This is the second time this has happened! And I am still getting calls even after I supposedly fixed it with the mortgage rep.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Mountain View, OK

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I received a FHA loan in the amount of {$120000.00} in XXXX XXXX. I requested XXXX in XXXX XXXX due to excessive debts and a large increase of {$300.00} a month for my homeowners insurance since my credit score lowered. I tried several other Insurance companies and nobody could help with a lower price. I never missed any payments from XXXX XXXX XXXX. My mortgage payments were going to increase by about {$300.00} as of XXXX XXXX due to the insurance company running my credit and DOUBLED my homeowners insurance payment amount, but since I did was approved for XXXX, I never had to make the increased payment. I got both a denial and an approval letter both dated on XXXX XXXX, XXXX. I called my mortgage company and they said it was approved and to skip payments for XXXX and XXXX, which went along with my approval letter that showed I needed to make the XXXX trial payments for XXXX XXXX XXXX. During my trial period I made all payments on time for the amount of {$930.00} as required by my mortgage company. I called my mortgage company In XXXX several times, waiting at least 30 minutes each time, asking them about the final modification. I was informed to go ahead and make another payment for the trial payment amount since it may take a while to get the modification. I made this payment on XXXX XXXX, XXXX for a total of XXXX payments for the trial period. I received several letters during my trial payment period, XXXX in XXXX and XXXX in XXXX of XXXX titled '' Notice of Intention to Foreclose '', I also received several notices on my door regarding foreclosure by someone who would go around my house each time. I called my mortgage company in XXXX and XXXX and when I finally reached someone, they said it was an error and everything was " okay ''. My mortgage company was telling me that everything was " okay '' while planning to foreclose on my home all along. On XXXX XXXX, XXXX they sent me a form called " Annual FHA disclosure notice to mortgagor '' that shows my payoff amount as {$110.00}, XXXX. I also received this form dated XXXX XXXX, XXXX with the payoff amount as {$120.00}, XXXX, which is now more than my original loan amount. The financial information does not add up and I have asked for financial statements 3 times, XXXX XXXX, XXXX XXXX, and XXXX XXXX and I have never received the full statements for my account. I called almost every day asking them for the paperwork to finalize the modification. I finally received modification on XXXX XXXX, XXXX. On the final modification, it had a lot of confusing information that even the mortgage company can not explain, they always tell me they will call me back and they never do or I can not reach them. They assigned me a case manager ; however, after dozens of messages I never received a call back. The final modification shows : The percentage rate is the same. My payment went down a little from the original amount to {$940.00}. There is a subordinate note and subordinate mortgage for about {$35000.00} which has to be paid at the end of my loan in 30 years. The modification will put me paying another 30 years. Now, after they have cashed all of my checks, they sent me a check for {$2000.00} and informed me that no payments would be accepted other than the full amount. These checks were cashed months ago and now they send me a check and tell me I am further behind. The mortgage company has filed a petition and is now suing me.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-07-06

Jamaica, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-04

Wallington, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am a first home buyer. I brought the house 2006. The mortgage lender falsely stated I made a higher income in order to qualify me for XXXX mortgages with rate 6 %. I could not keep the payment close to XXXX because I had XXXX. I asked them for a loan modification. I mailed my loan modification package to PHH mortgage. I called my case manager, she said she did n't received it. Instead my house is on foreclosure. As a first buyer, the Real Estate Agent should explain to me the risk to accept the XXXX mortgages plus the other bills to pay. I maintained my payment for 8 years each month never late. Before buying a house people should know about property taxes, home insurance, oil tank where is located etc.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-03

MN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I refinanced my mortgage with the original loan company that provided me my first time home owner loan. I was very comfortable with Envoy and their services. My refinanced loan was immediately flipped and now managed by PHH mortgage. I reduced my mortgage in my refinancing by a few hundred dollars. Now, under PHH mortgage they are charging me a " fee '' $ XXXX+ to pay my mortgage online?? I find this absolutely ridiculous in the day and age of online payment and really feel like they are taking advantage of folks. I do n't want to be even dealing with this company, received no notice of any of this occurring and really feel powerless and concerned.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

Ballard, WA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-30

Glendale, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: PHH Mortgage bought our loan from XXXX. They failed to apply the funds from our original escrow account to our homeowners insurance company. They claimed that they sent us a disbursement check twice, but we have not seen this. They are now claiming that we owe them more in our mortgage because they are charging us for XXXX escrow accounts, since they are claiming that they sent us the disbursement check and they paid our insurance company. They have not sent the disbursement check and it has been more than the 30 days required for them to resolve issues.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-29

Henrico, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Apache Junction, AZ

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-28

Apache Junction, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Hinesville, GA

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

2016-06-28

Ehrhardt, SC

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: I mailed my mortgage payment to PHH Mortgage on XXXX XXXX and when I realized it had n't cleared on the XXXX of XXXX, my husband called the company to research. He was advised to wait over the weekend and then make a payment over the phone. My husband placed a stop payment on the PAPER check, made the payment over the phone, and thought the issue was solved. Today, our mortgage company " found '' the check and processed it, not as the paper check we sent, but as an electronic payment that was " undetected '' by the stop payment. When I called PHH Mortgage, they told me that my husband was advised not to put a stop payment on the original check. This benefits the company very well as they get double payment regardless ; meanwhile I scramble to protect myself from late fees, marks on my credit, and possible fraud from someone who may find my lost check. If I had wanted my payment to be electronically debited, I would have chosen to pay by thought the internet or over the phone.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-28

New Bedford, MA

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

2016-06-27

Santee, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2016-06-24

PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: As per [ Case number : XXXX ], When PHH mortgage Stated in a letter to the Attorney Generals office ; XXXX, that my mortgage was paid in full, on XXXX XXXX, 2016. And where they stated to you people, " Consumer Finanical protection Bureau '', in a email, mortgage was paid in full. To this date, XXXX XXXX, 2016, I have not received the escrow money that is due me for the taxes and insurance, in the amount of : {$2700.00}. They did not send any money to the Tax collector, XXXX, Pa. XXXX. Tax Collector XXXX, Phone # : XXXX, nor to the Hazard insurance Company, XXXX, XXXX., XXXX, Pa. XXXX. XXXX phone # : XXXX, in XXXX 2016. My understanding is they had 30 days after pay off to send my Escrow money back to me. Again, I reiterate, we are now in XXXX 2016, three months later. On XXXX XXXX, 2016, My attorney, XXXX, from the office of ; XXXX, sent PHH Mortgage a letter asking for the Escrow. The letter was to no avail. No response, nothing. The letter was completely disregarded.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response