PHH Mortgage Services Corporation

2016-02-17

Charleston, SC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Wascott, WI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Euclid, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was recently purchased by PHH. I was on a bi-weekly payment plan with my previous mortgage provider and was told in no uncertain terms by my broker that the terms of my mortgage can not change with its sale. PHH does not support a bi-weekly amortization schedule, and I 'm furious. In order to purchase my mortgage, they have to support this do they not?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Seattle, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was sold by XXXX to PHH. XX/XX/XXXX was the first month with PHH. I paid my usual payment. ( XXXX ). I received a letter stating that I have a " suspense '' balance in the amount of XXXX but the total amount due is XXXX. The additional amount of XXXX must be received before the end of the month to avoid reporting to the credit bureau. I have never had the payment increased when the loan was sold to another company and no explanation was given. It 's impossible to call and get answers.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-15

PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: i had a major issue a few months back had to get you involved still took MONTHS to fix. That was with my escrows cashing my checks and not appplying to my account. Did anyone care were was my $ $ $ for months I have XXXX complaints the FIRST is I never received my interest statement from the the mortgage co to be able to file my income tax today is XX/XX/XXXX? I have talked to a feothw other people who have not gotten their 's either. Coldwell Banker mortgage is the holder. Also since the problem I had last year I have mailed my mortgage payment to the same address for 16 years XXXX to XXXX servicingaddress. NOW all of a sudden they have my payments for days and do not post my payments till till days later and charging me late fees. I feel my account is flagged because of my complaints to you regarding there incompetence because prior to that never a issue Then they start calling me to collect a debt!! WHAT options do I have to refinance to get rid of them will cost me thousands to not lower the monthly payment by much.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-14

Alexandria, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

WI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My name is XXXX XXXX. I fear that my mortgage co., Coldwell Banker may foreclose on my home without giving me a chance to turn things around and make it affordable at the same time. The home was awarded to me in a divorce but the loan remains in my ex-wife 's name. She was ordered by the court to allow Coldwell Banker to converse with me regarding the issues with my mortgage that had gotten behind as a result of the divorce & my medical issues. She refuses to do that even telling them not to cash my checks or accept money orders from me when I attempt to make payments. I have sent Coldwell Banker a copy of the deed, which my name is on, and the copy of the divorce decree stating the terms of that divorce specifically detailing the orders for the residence. They currently refuse to talk to me because I 'm technically not on the mortgage. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' Why do they continually block my attempts to save my house when I have sent them the documentation needed to verify the court order pertaining to the residence? I am currently on permanent XXXX due to XXXX. My health is obviously not good and I desperately want and need help in saving this home as this is all I have left with no means to create income or anywhere to go if I lose this house. I am on a fixed income now of $ XXXX./ mo. from XXXX. My mortgage payment of {$420.00}, although seemingly low to most people is around 47 % of my gross income which far exceeds the proposed 31 % of government guidelines under some of the modification programs. The interest rate is set up at 5 %, which is not bad but my understanding is that it can be lowered to as low as 2 %. If my payment could be lowered to somewhere to around $ XXXX./mo. this would be at a level where I could manage that payment and continue to live here as long as I can. XXXX Early intervention requirements for certain borrowers - I do n't feel that Coldwell Banker has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wallstreet Reform & Consumer Protection Act. I have given them everything I know to give them through documentation and they still continue to block my efforts and refuse to talk to me although I absolutely qualify for some relief or some kind of modification. Mortgage modification : a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower ( i.e. mortgagee and mortgagor ). In general, any loan can be modified, and the general process is referred to as loan modification or debt rescheduling. I do n't know where to turn for help at this point and I 'm asking for someone to step-up and assist me with my mortgage situation. If someone could help me get Coldwell Banker to consider a modification for me, than I could get this back on track and maintain a payment in line with what my fixed income is. Thank you in advance for any help, anyone can help me with. Desperate, XXXX XXXX, XXXX, WI.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Seattle, WA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-11

Three Bridges, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Asked for a Mtg Modification. Was offered a {$200.00} per month reduction but they wanted to add 20 years to the end of the current payoff date.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-10

Tucson, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I had a mortgage with Caldwell banker mortgage also known as p h h mortgage. We were to get a cash for keys from them in XXXX XXXX but instead they did a foreclosure. They still gave us funds to vacate the house on XXXX/XXXX/XXXX but was done improperly. With this we were involved with a class action lawsuit against them and in XXXX XXXX they settled with us by sending a check for {$4000.00} as settled with the state of new jersey for the wronged consumers. My problem is that we are trying to refinance our current mortgage but cant do so due to the fact that the loan/mortgage is still showing up as a foreclosure and not a cash for keys as it was to be done originally. Is there anything that can be done to correct this issue??? loan number was XXXX address was XXXX XXXX XXXX XXXX XXXX AZ XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Vancouver, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Fort Collins, CO

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Livingston, MT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-09

Fred, VA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Hollywood, FL

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed

Disputed: No Timely Response

2016-02-09

Woodland, WA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: Hello, I writing regarding an unlawful foreclosure by PHH Mortgage Services in violation of my SCRA rights. I am a XXXX XXXX XXXX Vet. I purchased the property in XXXX XXXX in XXXX using a VA home loan and made perfect payments for 5 years in XXXX I XXXX again and while I was away PHH started a foreclosure with no attempt to stay the proceedings until I returned. When I returned in XXXX of XXXX they did not attempt to hold off and allow me to re-modify the loan. This moment in my life made a huge negative impact. I felt I could n't function in " normal society '' I was broke, and signed my self up to go back again feeling I had to go to make a large enough savings account to get my life " back on track '' and since then I have been diagnosed with a VA XXXX rating of XXXX and struggle with XXXX every day. In XXXX I went XXXX my XXXX and be able to function and hold a job. Since then I got a job at XXXX XXXX and in my training I learned more about SCRA rights and realized I was a victim by a company who knew I was XXXX, and played off my lack of knowledge of my rights. Please assist me in what information do I need to provide to substantiate what took place and what I can do about it. XXXX XXXX, XXXX XXXX. XXXX
Company Response: Closed

Disputed: No Timely Response

2016-02-09

Rochdale, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Good Morning, This is regarding a problem with a paid off mortgage in XXXX XXXX with PHH Mortgage in XXXX. XXXX, NJ. The mortgage of a home in New Jersey was paid off back in XXXX XXXX and we are still trying to receive the money from a TAX OVERPAYMENT made BEFORE the mortgage was paid off. Now it 's XXXX XXXX, OVER THREE MONTHS since the mortgage was paid off and the tax payment made in our behalf to the town. After NUMEROUS CONTACTS over MANY MONTHS to PHH Mortgage Customer Service, PHH Tax Department, the township in various forms, we are still waiting for a tax refund which was requested in XXXX XXXX. Your efforts to help us secure money that was deducted from our accounts and paid by PHH Mortgage from our accounts would be helpful. Please help us RETRIEVE OUR MONEY back from PHH Mortgage. Thank you, XXXX XXXX
Company Response: Closed

Disputed: Yes Timely Response

2016-02-05

Warren, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Phh Mortgage servies. Have been tryikng to get a Hamp Modification for a year. They keep saying my paperwork expired or something is missing. They held my payments in a suspense acount and reported to my crdit report that I was n't paying. Told me i got the loan and tried to have me sign papers that would have caused XXXX more in iterest. Trying to fourclose on me now even though i have been paying every month
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-03

Wallington, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Oxford, GA

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: Trying to find a lender has been the most difficult thing. The first lender was setup through my realtor from XXXX, and she was very unfriendly and had no knowledge of first-time homebuyer programs. She gathered some information from me, then told me she would call me back with pre-qualification information. I was told by her my credit was good ( above XXXX ), and when I went to ask questions, she was very short with me and unpleasant. I gave her 48 hours and never heard back from her. So I told my realtor I no longer wanted her as my lender. I then looked for lenders under different programs that I qualified for, and that was a headache. I went onto the website for NHF Programs and called the number present on the website. They have no clear listing on the website of participating lenders, so after calling the number, the lady I spoke with, again, unpleasant to speak with, she tells me I have to first choose a lender, at which she rushed thru the list of lenders. After I researched the different lenders, I then contacted XXXX of the lenders, only to be told " well first you have to find a loan officer ''. This being my first time having to go through this process, I would 've assumed the lender company would be the ones to assign me an officer. Several of the offices had recordings or sent you to a voicemail, as if they screened calls. But I finally found a location of XXXX XXXX, that answered calls. An unfortunate surprise there, was when I thought I 'd found my 'loan officer ', it was their assistant that gathered the information. She told me the LO would contact me the following day, needless to say, this did not happen, so after 3 days I called and followed up and he returned my call. By this time, it 's been about a month into my house hunting, and all of the potential homes I was looking at were disappearing off the market. He wanted to setup a time/date to meet up, but when I offered the weekend, ( which is the only time a working person that has to pay for the loan their asking for would have ) he was unavailable. So again, I dismissed this lender ( but after he gave my realtor a pre-qualification letter ) During my time of waiting, there was a home I 'd found, but by it being a " new-build '' they had a preferred lender, Guild. I gave her a call on a Sunday, at which we spoke and I 've given my information a 3rd time. She told me she 'd give me a call first thing Monday after landing ( which gave a clear understanding she was traveling ) She did n't call, but she did email me Monday requesting tax info, and some other personal info. I gave her a call Tuesday to follow-up, only to speak to her assumed assistant, be told she would be in a conference and in and out of meetings. Now I 'd think this would be something vital to be told before exhausting my information with yet another person that would not be available ( especially when I could 've been linked with someone who would be available ). So now, again, I 'm stuck just waiting. I 'm getting very irritated with hearing how great my credit score is, and having all these good qualifying things, yet no one is taking me seriously or putting me on the back burner. Yes, this is my first time buying a home, but my realtor has gave me more information then the actual loan officers, and it 's becoming a frustrating ordeal, making me feel as if I 'm being discriminated against because of this. Not sure what to do other then keep looking, but in the mean time, I 'm taking all these hits to my Credit Score with hard inquiries for a total waste of time. I 'm also losing my potential dream home.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Fred, VA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Fred, VA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Fred, VA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response