They are the worse mortgage companyThey never return emails, or voicemail, they lose paperwork so you end up having to resend itDefinitely not in a hurryIt's been months and we still haven't closed.I will never use them again
This company is horribleYou Can only deal with reps in Iraq who barely speak English and they constantly call and hang upWhen you request them to stop calling and hanging up you have to fax a request in writingAlso if you need a change of address or any change of info it takes more than years
I would never use PHH again I closed on my house in April and I am still waiting on my escrow money to be returned to me They said I can expect the money in September Is that legal?
Mortgage was transferred to another company, by them, not meHowever, they took two additional payments out of my bank account even though they had the transfer dateI called them numerous times and they said they had no record of the payments after the transfer dateMy bank statements showed the money went to themIf they no longer had the account, the money would not have had any where to go! After my last call, the person said they will "look in to it" and that it would take 7-business daysAlso, she told me I would have to call them back to see what they came up withThey will not call me or send a letter stating the outcomeI would say that is bad/terrible customer serviceBased on this experience, I would not recommend using them
Fees, fees, and more hidden feesOur mortgage was unfortunately sold to PHH and has been nothing but issues sinceWe have never had these issues before with any other mortgage provider in the past, and when you want answers, its hard to get themWorst customer service everHave left multiple messages with a "supervisor" for months with replyIn speaking with regular reps, she disconnected the call at the end
I will never give this company another dime once I refinance! Horrid customer service!!!
Long story short I went through a divorce earlier this yearDuring the transition period of picking up my bills coupled with working miles away from home I missed a payment for JanuaryUntil this payment and since this payment I have never been late, in fact I had a 100% on time payment history on every account listed on my credit reportI called and spoke with someone in the appropriate department who gave me instructions on how to apply to have the late payment removedMost places apparently offer this as a one time courtesyI followed instructions to the letter and have sent in all supporting documents times over the past monthsI have received letter back around march that said my report was accuratewell no kidding! We knew that so I tried to send the information again and again and the 4th time with zero luckI just got off the phone with them and now the supervisor is saying there is no department to speak with someone to help meI cant talk to someone who could possibly help because they are not available but somehow I spoke with them beforeI am not going to get started on the actual payment hoops you have to jump through to make a payment or the horrible English these "customer service" reps haveI will never finance with this company again
PHH mortgage took money from my escrow account stating that I did not have enough flood insurance when I added more when I received the letter They sent a second letter stating I was in default of my loan because I did not get the extra flood insurance Then third time on the phone for over hour to get to the presidents home office just to be told that they are not going to refund my money in my escrow account Horrible mortgage company !!!!
PHH mortgage is by far the worst Mortgage Servicing Company I have ever dealt withDo not use this company...turn and run as fast as you canNothing but a shady company that tries to create debt collection opportunities from its customers
BY FAR THE WORST ACCESS TO A CUSTOMER SERVICE MATTER I HAVE EVER ENCOUNTERED CSR'S SPEAK BROKEN ENGLISH, HARD TO UNDERSTAND AND ASKED TO SPEAK TO SOMEONE I COULD UNDERSTAND MORE CLEARLY WAS PUT ON HOLD, THEN AUTOMATICALLY HUNG UP ON ME THIS HAPPENED TWICE, NOW ON HOLD A THIRD TIME WAIT TIME WENT FROM MINUTE TO MINUTESI SEE MOST PEOPLE HAVE HAD BAD EXPERIENCE WITH THIS COMPANY THEY ALL MUST HAVE WORKED AT COUNTRYWIDE IN THE PAST
Won't auto deduct my payments...after yrs -- I tried to add a little principal and now its been hell to pay my mortgageYou talk to different peoplethey give you different stories and its a messNot good customer serviceYou get people in the phillipines mostlyI am very unhappy
In mid-February I received a call from a PHH Mortgage representative offering to refinance my loan and get some extra cash At first I said no but then decided to hear him out He explained the process and I thought it sounded okay He pulled my wife and my credit and went over it He got to a couple items that were "chargeoffs" and I said to him "well that is the end of this coversation" He said "oh know...they are charged off and there is nothing to worry about" he then said we were pre-approved We have been with PHH for over years, never missed or have been late on any payment so I figured they were taking this into account He explained that when I lock in my interest rate they will need a credit card to pay for a home appraisal and that if I backed out for any reason or I did not qualify I would loose around $but not to worry unless I BACK OUT Long story short we went thru the entire process of paperwork and sending all into PHH They come back and pull a couple items from our credit report that their representative said were charge offs and "nothing to worry about" They wanted us to go to those companies to get proof If I did that it would open up the entire case again with the creditor!!! I truly believe that PHH pulls this crap to get your $with no intention of ever granting you a loan I have never even seen a copy of the home appraisal that I paid for
This company keeps calling me telling me that my mortgage payments are past due, which they are not They have also sent me letters telling me that it is past due My mortgage is not with this companyThey asked for my SS# when I tried to call them When I called back and asked who this company was that kept calling me, they said they would put me on the do not call list - I kept pressing - they hung up The letters and phone calls tell me where to make a payment and it is not to my mortgage company
I had my mortgage with HSBC and HSBC outsourced their mortgage services to PHH and that's when the nightmare beganThey are horrible I had so much problem with them regarding to my monthly mortgage payment I was so fed up with them that I decided to pay off my mortgage loan so I don't have to deal with them anymore I paid of my loan in Nov and I am still waiting for my deed First they screwed up the recording payment so my Satisfactions of Mortgage document was never recorded I called multiple times and all customer services told me to be patient because the county clerk's office is back up I decided to stop my county clerk's office to get some info in May and found out that they submitted the paper with the incorrect recording fees I called again and again (probably 10x times) and around Oct one of the agents told that they had just re-submitted the paper work I check the clerk's office's website on a weekly basis and it was recorded in Dec I was happy for a second til I realized that the block and lot # that was submitted with the paper was incorrect It was a property that I don't even own I called again and again to tell them to correct this mistake They kept telling that this is an easy fix and it should be fixed soonFast forward to months and calls later and it is till not fixed I can't believe how can a company that claimed that they are the EXPERT in mortgage services is so bad I can't believe how they can make a mistake after anotherThe craziest thing is that no one at PHH knew what went wrong I am not in the mortgage or real estate industry and I am the person that I figured the mistakes
PHH mortgage has a system where if I don't send in the exact mortgage payment (principal, interest, taxes plus escrow), their system accounts the monthly payment as payment towards principalIt doesn't matter if the payment was a few dollars higher or lower, according to their 'system', I have not made a payment and they charge a late feesThe total monthly payment changes occasionally, so sometimes automatic payment from my bank ends up with them charging me late fees even if I made the paymentAfter that, it's a long process of calling their inexperienced and rude customer service people who I'm sure gets these calls a lot and their objective is to wear us down until they get to keep the $late feesVery unprofessional and not interested IKeeping their customers happyTheir policy is to figure out ways to gouge the customerCan't imagine how they treat the customers who may actually miss a payment because they cannot afford it if this is how they treat a customer who is regular with the paymentsHope a leadership change will bring some change
One of the worst customer experiences I've ever seenTheir website sucks, trying to call them is worse – you have to talk to a chat bot for 7-mins before even getting a chance to speak with an agentThen, they ask you the same questions that the bot just asked youOnce you get on phone with somebody, it's nearly impossible that they can help you or answer your questionsDo not willingly choose them as a mortgage service provider!
I gave a star as their is no In January we sent four checks one for Jan Feb March April,each check had the month it was to pay written on it.They applied checks to principalWe called and they said it would be correctedthey did correct checks but not the thirdI have spent hours speaking to people in India who said it would be taken care ofToday after hanging up on me twice I was advised its now to late nothing can be done after six monthsThese people are undertrained can only read whats on their computerThey hung up when I tried to explain we had sent more money than we oweDo not get involved with them if you have any way not to
Worst customer service Can't answer anything about my loan nor be compassionate about not knowing a status of a mortgage payment My loan was transferred to another bank and I made my payment to PHH mortgage and they could not offer any information Super frustrating when you have no say in the lender of your mortgage and having to deal with a dated company that has no online services and the customer service representative you are working with can't provide any information Unacceptable How do they have a B- rating?
PHH mortgage has a system where if I don't send in the exact mortgage payment (principal, interest, taxes plus escrow), their system accounts the monthly payment as payment towards principalIt doesn't matter if the payment was a few dollars higher or lower, according to their 'system', I have not made a payment and they charge a late feesThe total monthly payment changes occasionally, so sometimes automatic payment from my bank ends up with them charging me late fees even if I made the paymentAfter that, it's a long process of calling their inexperienced and rude customer service people who I'm sure gets these calls a lot and their objective is to wear us down until they get to keep the $late feesVery unprofessional and not interested IKeeping their customers happyTheir policy is to figure out ways to gouge the customerCan't imagine how they treat the customers who may actually miss a payment because they cannot afford it if this is how they treat a customer who is regular with the paymentsHope a leadership change will bring some change
They are the worse mortgage companyThey never return emails, or voicemail, they lose paperwork so you end up having to resend itDefinitely not in a hurryIt's been months and we still haven't closed.I will never use them again
Lied about mailing $refund for escrow overpayment
This company is horribleYou Can only deal with reps in Iraq who barely speak English and they constantly call and hang upWhen you request them to stop calling and hanging up you have to fax a request in writingAlso if you need a change of address or any change of info it takes more than years
I would never use PHH again I closed on my house in April and I am still waiting on my escrow money to be returned to me They said I can expect the money in September Is that legal?
Mortgage was transferred to another company, by them, not meHowever, they took two additional payments out of my bank account even though they had the transfer dateI called them numerous times and they said they had no record of the payments after the transfer dateMy bank statements showed the money went to themIf they no longer had the account, the money would not have had any where to go! After my last call, the person said they will "look in to it" and that it would take 7-business daysAlso, she told me I would have to call them back to see what they came up withThey will not call me or send a letter stating the outcomeI would say that is bad/terrible customer serviceBased on this experience, I would not recommend using them
Fees, fees, and more hidden feesOur mortgage was unfortunately sold to PHH and has been nothing but issues sinceWe have never had these issues before with any other mortgage provider in the past, and when you want answers, its hard to get themWorst customer service everHave left multiple messages with a "supervisor" for months with replyIn speaking with regular reps, she disconnected the call at the end
I will never give this company another dime once I refinance! Horrid customer service!!!
Long story short I went through a divorce earlier this yearDuring the transition period of picking up my bills coupled with working miles away from home I missed a payment for JanuaryUntil this payment and since this payment I have never been late, in fact I had a 100% on time payment history on every account listed on my credit reportI called and spoke with someone in the appropriate department who gave me instructions on how to apply to have the late payment removedMost places apparently offer this as a one time courtesyI followed instructions to the letter and have sent in all supporting documents times over the past monthsI have received letter back around march that said my report was accuratewell no kidding! We knew that so I tried to send the information again and again and the 4th time with zero luckI just got off the phone with them and now the supervisor is saying there is no department to speak with someone to help meI cant talk to someone who could possibly help because they are not available but somehow I spoke with them beforeI am not going to get started on the actual payment hoops you have to jump through to make a payment or the horrible English these "customer service" reps haveI will never finance with this company again
PHH mortgage took money from my escrow account stating that I did not have enough flood insurance when I added more when I received the letter They sent a second letter stating I was in default of my loan because I did not get the extra flood insurance Then third time on the phone for over hour to get to the presidents home office just to be told that they are not going to refund my money in my escrow account Horrible mortgage company !!!!
PHH mortgage is by far the worst Mortgage Servicing Company I have ever dealt withDo not use this company...turn and run as fast as you canNothing but a shady company that tries to create debt collection opportunities from its customers
BY FAR THE WORST ACCESS TO A CUSTOMER SERVICE MATTER I HAVE EVER ENCOUNTERED CSR'S SPEAK BROKEN ENGLISH, HARD TO UNDERSTAND AND ASKED TO SPEAK TO SOMEONE I COULD UNDERSTAND MORE CLEARLY WAS PUT ON HOLD, THEN AUTOMATICALLY HUNG UP ON ME THIS HAPPENED TWICE, NOW ON HOLD A THIRD TIME WAIT TIME WENT FROM MINUTE TO MINUTESI SEE MOST PEOPLE HAVE HAD BAD EXPERIENCE WITH THIS COMPANY THEY ALL MUST HAVE WORKED AT COUNTRYWIDE IN THE PAST
Won't auto deduct my payments...after yrs -- I tried to add a little principal and now its been hell to pay my mortgageYou talk to different peoplethey give you different stories and its a messNot good customer serviceYou get people in the phillipines mostlyI am very unhappy
In mid-February I received a call from a PHH Mortgage representative offering to refinance my loan and get some extra cash At first I said no but then decided to hear him out He explained the process and I thought it sounded okay He pulled my wife and my credit and went over it He got to a couple items that were "chargeoffs" and I said to him "well that is the end of this coversation" He said "oh know...they are charged off and there is nothing to worry about" he then said we were pre-approved We have been with PHH for over years, never missed or have been late on any payment so I figured they were taking this into account He explained that when I lock in my interest rate they will need a credit card to pay for a home appraisal and that if I backed out for any reason or I did not qualify I would loose around $but not to worry unless I BACK OUT Long story short we went thru the entire process of paperwork and sending all into PHH They come back and pull a couple items from our credit report that their representative said were charge offs and "nothing to worry about" They wanted us to go to those companies to get proof If I did that it would open up the entire case again with the creditor!!! I truly believe that PHH pulls this crap to get your $with no intention of ever granting you a loan I have never even seen a copy of the home appraisal that I paid for
This company keeps calling me telling me that my mortgage payments are past due, which they are not They have also sent me letters telling me that it is past due My mortgage is not with this companyThey asked for my SS# when I tried to call them When I called back and asked who this company was that kept calling me, they said they would put me on the do not call list - I kept pressing - they hung up The letters and phone calls tell me where to make a payment and it is not to my mortgage company
I had my mortgage with HSBC and HSBC outsourced their mortgage services to PHH and that's when the nightmare beganThey are horrible I had so much problem with them regarding to my monthly mortgage payment I was so fed up with them that I decided to pay off my mortgage loan so I don't have to deal with them anymore I paid of my loan in Nov and I am still waiting for my deed First they screwed up the recording payment so my Satisfactions of Mortgage document was never recorded I called multiple times and all customer services told me to be patient because the county clerk's office is back up I decided to stop my county clerk's office to get some info in May and found out that they submitted the paper with the incorrect recording fees I called again and again (probably 10x times) and around Oct one of the agents told that they had just re-submitted the paper work I check the clerk's office's website on a weekly basis and it was recorded in Dec I was happy for a second til I realized that the block and lot # that was submitted with the paper was incorrect It was a property that I don't even own I called again and again to tell them to correct this mistake They kept telling that this is an easy fix and it should be fixed soonFast forward to months and calls later and it is till not fixed I can't believe how can a company that claimed that they are the EXPERT in mortgage services is so bad I can't believe how they can make a mistake after anotherThe craziest thing is that no one at PHH knew what went wrong I am not in the mortgage or real estate industry and I am the person that I figured the mistakes
PHH mortgage has a system where if I don't send in the exact mortgage payment (principal, interest, taxes plus escrow), their system accounts the monthly payment as payment towards principalIt doesn't matter if the payment was a few dollars higher or lower, according to their 'system', I have not made a payment and they charge a late feesThe total monthly payment changes occasionally, so sometimes automatic payment from my bank ends up with them charging me late fees even if I made the paymentAfter that, it's a long process of calling their inexperienced and rude customer service people who I'm sure gets these calls a lot and their objective is to wear us down until they get to keep the $late feesVery unprofessional and not interested IKeeping their customers happyTheir policy is to figure out ways to gouge the customerCan't imagine how they treat the customers who may actually miss a payment because they cannot afford it if this is how they treat a customer who is regular with the paymentsHope a leadership change will bring some change
One of the worst customer experiences I've ever seenTheir website sucks, trying to call them is worse – you have to talk to a chat bot for 7-mins before even getting a chance to speak with an agentThen, they ask you the same questions that the bot just asked youOnce you get on phone with somebody, it's nearly impossible that they can help you or answer your questionsDo not willingly choose them as a mortgage service provider!
I gave a star as their is no In January we sent four checks one for Jan Feb March April,each check had the month it was to pay written on it.They applied checks to principalWe called and they said it would be correctedthey did correct checks but not the thirdI have spent hours speaking to people in India who said it would be taken care ofToday after hanging up on me twice I was advised its now to late nothing can be done after six monthsThese people are undertrained can only read whats on their computerThey hung up when I tried to explain we had sent more money than we oweDo not get involved with them if you have any way not to
Worst customer service Can't answer anything about my loan nor be compassionate about not knowing a status of a mortgage payment My loan was transferred to another bank and I made my payment to PHH mortgage and they could not offer any information Super frustrating when you have no say in the lender of your mortgage and having to deal with a dated company that has no online services and the customer service representative you are working with can't provide any information Unacceptable How do they have a B- rating?
I can not understand how anyone that has ever done business with this organization could rate it any higher than Star
PHH mortgage has a system where if I don't send in the exact mortgage payment (principal, interest, taxes plus escrow), their system accounts the monthly payment as payment towards principalIt doesn't matter if the payment was a few dollars higher or lower, according to their 'system', I have not made a payment and they charge a late feesThe total monthly payment changes occasionally, so sometimes automatic payment from my bank ends up with them charging me late fees even if I made the paymentAfter that, it's a long process of calling their inexperienced and rude customer service people who I'm sure gets these calls a lot and their objective is to wear us down until they get to keep the $late feesVery unprofessional and not interested IKeeping their customers happyTheir policy is to figure out ways to gouge the customerCan't imagine how they treat the customers who may actually miss a payment because they cannot afford it if this is how they treat a customer who is regular with the paymentsHope a leadership change will bring some change