PHH Mortgage Corporation

So I have been fighting this company since February 2020. Yes I was late in dec 2019 and Jan 2020. So I call again for my feb 2020, I was missed informed from there customer service saying if I still pay in feb that would get me caught up and February credit would show current but again they reported 30 days late. So on my credit report was Jan feb 2020 lates. For March 2020 I made double payments to finally get caught up, and from I was missed informed again. So on my credit report they again reported 30 days late. I have been fighting since February about my credit report. Again I called only to speak to a representative which again I will open a trouble ticket to fix the report (which I keep on sending faxing my report) which I have several times. This is the worse company that I have ever had for a mortgage company. Again I have to wait 30 days to see even if they will fix my credit report. I’m trying to refinance my hime but with this in there I’m not able to and to get off my Mortgage Insurance. Sucks and hopefully this will get fix this week.

I have been trying to get a letter from PHH stating that my loan is closed or paid in full. I paid off this loan in 2001 but it still shows open. I am trying to sell my house but I can’t because of the open loan. I have tried for 2 1/2 weeks to get a letter but no one can help. It is annoying that I have to e-mail the department and can’t talk to them. Of course my e-mails go unanswered. Please send a letter stating my loan is paid in full so I can close on my house.

Tom Stall
[email protected]

I HAVE HAD THE WORST EXPERIENCE THAT ONE CAN HAVE WITH PHH MORTGAGE. I CAN NOT WAIT TO MOVE ON FROM THE,. I HAVE FLEX PAYMENT AND THEY DEBIT MY ACCOUNT TWICE IN SIX DAYS. When I called them about it . It took them several days to return my un-authorized payment. My payment was setup for 15th and 30th. I finally received my payment by UPS. I CALLED THE DAY AFTER RECEIVING MY CHECK TO FIND OUT IF THFEY KNOW WHAT DAYS TO DEBIT MY ACCOUNT , AND WAS TOLD THAT MY FLEX PAY WAS CANCELED. I HAVE BEEN WAITING ON AN ANSWER FOR DAYS NOW . JUST TO FIND OUT WHY IT WAS CANCLED . IT SEEMS THAT THE LEFT HAND DOESN'T WHAT THE RIGHT HAND IS DOING. IT SEEM LIKE IT TAKE A SCIENTIST TO FIGURE OUT THE 15TH AND 30TH AND WHY MY ACCOUNT WAS CANCLED. YOUR RATING IN OFF THE MAP -0.

May 15, [redacted] *** Re: Mortgage Payoff Request ( [redacted] ) Case Number: [redacted] Loan Number: [redacted] Dear Mr [redacted] , The Office of the President of PHH Mortgage Corporation (“PHHMC”) received your correspondence from the Revdex.com regarding the above-referenced mortgage loan account on May 11, I appreciate the opportunity to respond to your concernsAs a preliminary matter, PHHMC strives to provide superior customer service Please accept our condolence with the loss of your loved one We sincerely apologize for any frustration you may have experienced in connection with the servicing of the loanOn May 11, 2015, servicing records reflect that the authorization documents to release information to you were received Please allow to business days in order to update the loan file Once the file is updated your request for the payoff statement will be completed Sincerely, [redacted] Liaison, Office of the PresidentPHH Mortgage Corporation

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I hesitate to say I accept this response as until the refinance has been completed I am concerned they will do the same thing again or take another 3+ months to process the refinance and cost me even more money then they have alreadyRefinancing is going to save me money on a monthly basis, much more then the $credit they have offered me Regards, [redacted] ***

Tell us why here...Re: Loan Number: [redacted] Revdex.com Case Number: [redacted] Dear Mr [redacted] , Your correspondence addressed to the Revdex.com (“Revdex.com”), regarding your escrow shortage, has been received in the Office of the President of PHH Mortgage Corporation (“PHHMC”) I appreciate the opportunity to respond to your concernsAs a preliminary matter, please know that PHHMC strives to provide superior customer serviceWe apologize for any frustration or inconvenience you may have experienced during the servicing of your loan with PHHMCOn March 24, when you spoke with customer service the analysis was not finalized so the information you received was what was reflected on our system at that time Servicing records show on April 15, a rush reversal was requested to have the $applied to your escrow account and this was completed on April 21, I have enclosed a copy of the escrow analysis statement dated April 28, As of this writing your June 1, payment amount is $as is reflected in the enclosed statement Thank you

This complaint was also submitted as case [redacted] Our office is reviewing the concern and will submit a response on case [redacted] Thank you

Complaint: [redacted] I am rejecting this response because: There is no actual response, just my exact complaint sent back to me. Regards, [redacted] ***

Your correspondence addressed to the Revdex.com has been received in the Office of the President of PHH Mortgage Corporation (“PHHMC”)I appreciate the opportunity to respond to your concerns regarding payment applicationServicing records reflect on February 17, a payment was received in the amount of $2, At this time your loan was in active Bankruptcy and reflected a due date of July In accordance with our mortgage note and, due to the delinquency status of your loan, the funds were correctly applied to the mortgage as per your mortgage note I have enclosed a copy for your review As of this writing, your loan is due for the April 1, paymentPlease note we will be unable to reverse these funds as this would revert the loan back into delinquency, changing the due date to reflect January

Thank you for allowing us the opportunity to respond to your complaintUpon review, the misapplication of your escrow funds has been corrected and the payment of $was reapplied to your escrow account on January 5, Additionally, the last two payments referenced in your complaint have also been applied as you originally intended Thank you again for allowing us to research and address your concerns

Complaint: [redacted] I am rejecting this response because: Today is April 7, and my escrow analysis statement is still not online I spoke with a customer service rep yesterday who faxed me over the escrow analysis because I never received an email and your website is still wrong Your website still shows my monthly real estate tax as $instead of over $1, You mentioned that my March payment was reduced to $3,but your company debited my account $3, I have been working with a nice, responsive customer service rep so my issues should be resolved soon It appears my April and May mortgage payments may be different because there is a shortfall again because your company continues to deduct only $for real estate taxes I also told the customer service rep I will change my mortgage payment date to the first of the month only instead of having the mortgage deducted twice a month because your company can't handle the calculations properly or process the payments correctly I don't appreciate being blamed for the continuous escrow shortfalls when your company controls my payments and causes the shortfalls.Your company should be embarrassed the way they treat customers It's amazing to see how simple math calculations cannot be done regarding my real estate taxes I hope my communications with your company can help change the internal processes and procedures so customers can be treated better Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Servicing records show the escrow shortage payment received on August 12, was misapplied as your August 1, mortgage payment with additional $applied to principal curtailmentI have placed request to have funds reversed and will have reapplied correctly by December 2, With regard to you payment being placed in suspense as short payments, consequently all future payments where applied to suspense or holding account as short payments We apologize for any inconvenience this may have caused

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Please be advised that PHH has forwarded the original lien release that we have been awaiting You may close this case Thank you for your assistance Regards, [redacted]

Dear Mrs***, Please accept our apologies for any frustration you may have experienced regarding your payments not being applied to principal Our goal is to provide all of our customers with an unparalleled service experience [redacted] records reflect that the payments received are sent electronically and are initiated by you In addition, there is no indication on how the funds are to be applied You may utilize [redacted] s pay by phone option at ###-###-#### There is no fee involved for principal only payments and if made by 8:PM EST, the payment will be applied that business day In addition, you can send any principal only payments to the address listed below to ensure funds are allocated to principal only [redacted] [redacted] [redacted] Records also reflect that a liaison from our Office of the President called you on April 21, and April 23, regarding your Revdex.com complaint, however, messages were left for a return call To date you have not responded to the calls regarding your payment application Please be advised that on April 22, a payment reversal in the amount of $was performedTherefore, a principal payment in the amount for $was applied to your account Attached is a payment history for 2012, 2013, and for your records Thank you

9-2019 I send a payment on 8-30-2019 for $1,221.00 and they did a direct debit from my Bank and for the same amount I never signed up for automatic debit program and because they did that I was overdraw on my checking account, I called and they said I was not on direct payment but yet they took out the money I had to call the bank and put a stop payment on there direct payment and the bank charge me $30.00 I called PHH again and they transfer my call to a supervisor that was a disappointment because He advise me to fax all my information to him and he gave me his direct phone with extension and guess what when I call today on 9-10-2019 that extension does not work why am I not surprise his phone is 855/7033662x89950, I started calling PHH on 9/3/2019 as of today they have not credit my Mortgage payment with the money I send and they have put a hold on it and guess what no one knows WHY are you Surprise! I have called four times regarding this and no ones knows this Deepak person that is supposed to be a Supervisor suddenly his extended does not work, This company does not know what they are doing they are incompetent, Today I asked for a supervisor and she said this is what he told me to tell you, She gave me a E-Mail and I am to send my information to this E-Mail and maybe some one in that department will have a answer.

As of this writing PHHMC has reach out to the borrower and the homeowner stated the she has not sent the checks to PHHThe borrower is mailing them to PHH, October 6, for us to sign. Thank you

Due to the size of the documentation files needed for the response, the response was e-mailed, in three parts to *** via e-mail

Please be advised that this complaint will need to be redirected to *** so that they may respond directly. PHH did not begin servicing loans for *** until May of 2013, therefore PHH has had no involvement in the servicing or release of this loan and is unable to
provide a response to this matter. *** has been made aware of this complaint and is anticipating receipt of this complaint from the Revdex.com so that they may respond accordingly.Thank you, *** ***PHH Mortgage | Customer Focused Programs |ManagerTel: ###-###-#### | Fax: ###-###-####*** *** ***
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*** records indicate that on December 11, 2014, we reanalyzed your escrow accountAt that time, it was determined that there was an escrow shortage of $ Since the shortage amount was less than the monthly escrow payment it was added into the monthly payment as one-time payment
As such, the February 1, payment changed to $3,and once the shortage was paid; your monthly payment was lowered to $3,effective with the March 1, payment Due to the escrow analysis being completed the payments changed twice over a three month period On December 12, 2014, *** placed the escrow statement on our website *** as your loan is sto receive paperless documents When the loan is sfor the paperless statement option, *** sends an email to the email address on file to advise that an escrow statement is now available for your review. On March 17, 2015, we received an initial telephone call from you in which you raised concerns regarding a late fee and the amount that was being drafted from your bank account The late fee that was assessed to your account on March 16, 2015, was done in error We have removed the late fee of $ Please accept our sincerest apology for the inconvenience and frustration this has caused you. As for your concerns regarding the higher amount drafted for the February 1, payment, *** will not update the draft if the payment is decreased All additional funds that are pulled with the draft are applied to the principal balance on the loan The only time the draft is changed is if the homeowner contacts us to change the amount or the payment has increased due to an escrow shortage. On March 18, 2015, during a telephone conversation with a customer service supervisor, you also raised concerns regarding the amount of funds that we were collecting monthly for your taxes At that time, *** reanalyzed your escrow account to reflect the correct tax amount At this time, you can locate the escrow statement on ***