PHH Mortgage Services Corporation

2016-04-06

Arlington, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Bellefonte, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Cottage Grove, MN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Burlington, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

Stafford, VA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: Good Morning! My name is XXXX XXXX my loan number is XXXX, is I 'd like to request your assistance. In XXXX XXXX 2013 to be exact, my home of XXXX XXXX XXXX XXXX, XXXX XXXX, was foreclosed. By this company, this mortgage company unfair policy and practices PHH XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Phone number : XXXX XXXXXXXXXXXX. Prior to the foreclosure, I made several attempts to request assistance from the mortgage lender to help me obtain a loan modification in an effort to attempt to save my home. My request was based on the economic downturn of the economy which resulted in government employees not receiving pay raises, loss of income due to tax increases, and a government furlough. Due to PHH Mortgage Company 's irresponsibly and failure to respond to my questions or concerns, I lost my home. The XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection, and your company agree there was miss conduct had occur and you all paid me monies, what I would be in our best interested is that your company remove the foreclosure from my credit. I have the information that was provide to me from the XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection and the Veteran 's Affairs. If you all need a copy of this information please let me know. Thank you for your time and assistance. Please contact me with any questions you all may have. I would like to have my VA loan reinstated.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-02

Wesley Chapel, FL

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Soquel, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed

Disputed: No Timely Response

2016-03-31

East Rockaway, NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Douglasville, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Hillsdale, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-30

Decatur, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-29

Chester, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Main Office, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: PHH purchased our loan in XXXX. Unfortunately, the previous servicer, XXXX, did not tranfer the full escrow balance over due to an error on their end. PHH recalculated our escrow and payment. This shortage was finally rectified at the end of XXXX. PHH received almost {$1600.00} which was supposed to go back into our escrow account per the instructions in the wire transfer and matching all notes and communication I have had with PHH. I have been following up ever since to get the escrow analysis redone, and the payment back to the original payment upon closing XXXX 2015. We are still waiting for our loan escrow to be analyzed again so we do n't have to worry about our automated bank payment that was set up in XXXX. ( At one point, they had XXXX different payment amounts for us. ) We made a payment in XXXX 2015 for the actual amount, already set up at our bank, not the new payment which was {$200.00} higher than our loan agreement. I was assured this would go towards XXXX w/no late charges. We have not even had this loan a full year and continue to have issues with sub-standard servicers. PHH reps do not speak English and I can not understand them very well so I use there email service. I also have checked the online account for current info. No one reaches out to me with full summaries of where the escrow money went, when it was posted and when the analysis will be complete. They just send statements, payment bills and respond to emails with short, partial answers that do not even begin to address my inquiry.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Evergreen, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We were in anticipation of have our PMI removed soon as the interest-bearing part of our modified loan is at 81.8 % LTV ( see attached ) We also have a post loan mod. document stating LTV was at 88 % ( see attached ) .When we received a document on XXXX/XXXX/2016 stating our LTV is at 96.4 % ( see attached ) in response to our request to have PMI removed.We were completely " surprised '' unfavorably at what they were trying to do here. We feel completely trapped in a {$330.00} / month PMI payment to XXXX XXXX through PHH mortgages apparent and then blatant violation of RESPA. ( see attached ) Or else why would the amount be so much if it was n't being divided up among the entities involved? Per our mortgage documents the XXXX balances should remain separate for such calculations ( see attached ) Also note on this sheet that not only is it the wrong principal balance but also, but it is the wrong langauge as to what is defined as " late '' for their reasons for the denial of the PMI removal. They say " late payments made in the last 12 months '' not " late payments of 30 days or more '' as it should read. They have been doing things like these mentioned ever since we even tried to get a loan modification, now they are trying the method of attaching the interest bearing amount to the non-interest bearing amount which is unfair and makes it eon impossible to remove PMI. Just disgusting greed on their part.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-28

American Canyon, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-28

Belmont Heights, UT

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-28

Burlingame, CA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-26

Temperanceville, VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Husband received XXXX and had to move. Contacted XXXX ( originator of loan ) and was told that mortgage qualified for XXXX short sale and I needed to work with PHH who now owned my loan. PHH loan specialist mislead ( in writing ) that our first and second mortgage was covered in closing documents and that this was a XXXX short sale. The closing documents also misrepresented this fact. A few months after closing, XXXX creditors came at me stating loan was not included for which I continued to pay on for over 2 years. PHH put in writing that this was indeed 'all included ' only to retract after the fact. Now after almost 5 years, we applied for a mortgage loan and was told that it was not a HAFA but a regular short sale and that we do not meet the criteria. All communication to date has stated otherwise. This has been extremely XXXX and frustrating. And to top this off - the Title Company now wants the money from the 2nd mortgage payoff.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-26

Itasca, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Called phh mortgage on XXXX XXXX, 2016 and they confirmed they had received our checking acct info via fax and would apply it to next months mortgage payment. This was not done and now they are trying to charge late fee. Multiple phone calls have not resolved this issue. I do not want to keep paying for my loan over the phone and incurring a {$17.00} servicing fee imposed by Phh. I believe phh purposely does n't apply automatic debit processing so they can charge their customers additional servicing fees.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Balcones Heights, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-24

New Britain, CT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-23

Dallas, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: The home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX is part of the XXXX XXXX XXXX XXXX XXXX. The owner became past due on his assessments but then passed away in XXXX 2015. I am the XXXX and notified the mortgage company, PHH Mortgage Corporation of his death in XXXX 2015 after finding that his children did not plan to take the home. I have been in touch with PHH Mortgage at least monthly but as often as weekly to voice the Board of Director 's, neighbor 's, and my concerns about the home as the water has been turned off so the yard/trees are dead and there are rats in the overgrown vegetation/empty house. In every correspondence, I have have requested that they expedite foreclosure as obviously the deceased is not going to be making payments. The house 's condition has continued to decline. The XXXX has started baiting the house for rats, we have spent close to {$900.00} so far in treatments. We have also started mowing the lawn. We can not water the lawn or help with the foundation that is cracking. There are stones falling off the home because of the foundation 's condition. This home is in a very affluent neighborhood XXXX. The house would sell very quickly as all the homes in this community do. This home is on XXXX the larger lots. I have explained all this to the mortgage company. The owner passed away over 1 year ago. The XXXX is now owed {$12000.00} post bankruptcy on this home. The other owners are paying for the demise of this home not only with their assessments but with their property values.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-22

San Antonio, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response