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PHH Mortgage Corporation

Mortgage Bankers, Real Estate Loans, Real Estate Loan Modification, Mortgage Brokers, Financial Services

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PHH Mortgage Corporation Reviews (149)

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User S. C.

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 company. They 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.


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User Reviewer891207

Review: PHH mortgage has been using very unethical practices resolving loan refinancing issues on my V.A. loan. They have been giving me the "runaround" processing my loan papers. This process has taken over 18 months and my credit has been affected a lot due to their process. I've miss on many government help opportunities due to their service. They constantly loose the papers sent to them. They constantly make me re-send the same information over and over with no movement forward.Desired Settlement: finish the job and help an active duty veteran that never missed a payment even with the hardships of being overseas serving our country for over 4yrs. This company hides under the umbrella of being a pro Military company financing loans for USAA Bank and they are abusing our military members, I have accumulated so much debt because of them than I can't even afford refinancing right now. I need to immediately short sale this home.

Business

Response:

PHH would be happy to review the request for loss mitigation or liquidation options; however, a current, complete application is required.PHH received your initial request for loss mitigation assistance on June 10, 2013 in the form of a short sale. As the application was incomplete, letters requesting the missing documentation were sent on June 11, 2013 and July 22, 2013. The letters informed you that should PHH not receive the outstanding documents by August 6, 2013 the loan would be removed from review. The application remained incomplete and was declined on August 8, 2013. On September 16, 2016 PHH received a subsequent incomplete application on September 17, 2013; missing items letters were sent on September 18, 2013 and October 16, 2013. The letters informed you that should PHH not receive the outstanding documents by October 31, 2013 the loan would be removed from review. As the documents were not submitted, the loan was removed from review.On January 15, 2014 a new application was received. The documentation to complete the application was requested in our letters of January 16, 2014, February 10, 2014 and February 17, 2014. The application remained incomplete and was declined on March 4, 2014.The most recent application was received on April 28, 2014. As the application was incomplete, missing items letters sent April 30,2014, May 9, 2014 and June 2,2014. The incomplete application was declined on June 17, 2014.The documents required and requested in the missing items letters were not received for the most recent application are:


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User Reviewer891249

Review: I formally declare that PHH Corporation has failed to respond to several documented attempts to settle an alleged debt:1.On July 17, 2013 I contacted PHH Corporation via [redacted] asking for verification of an alleged debt and gave them fifteen (15) days to respond to said request.2.On August 12, 2013 a follow up letter was sent to PHH Corporation, via [redacted] giving PHH Corporation three (3) days to respond plus three (3) days for mailing. 3.On September 5, 2013 I contacted PHH Corporation, via [redacted] stating that no timely settlement or response by legal definition has been made by PHH Corporation and that it is assumed that no such debt legally exists. An Initial Demand for Settlement was requested.4.On September 14, 2013 I contacted PHH Corporation via [redacted] with a Second Demand for Settlement. 5.On September 24, 2013 I contacted PHH Corporation via [redacted] with a Final Demand for Settlement. As of this date, November 29, 2013, I have not received a timely response and answer by legal definition to our documents from PHH Corporation or any other agents. No attempt to settle has been made by PHH Corporation and they continue to harass and intimidate by fraudulent means.Desired Settlement: I demand that PHH Corporation respond to my requests to settle this alleged debt by providing proof that a legal contract exists and that it is not fraudulent. Otherwise, I demand that PHH Corporation cease and desist from further harassment and violation of the [redacted]

Business

Response:

Please be aware that there is a proliferation of debt elimination schemes asserting jurisdiction of a non-existent [redacted] These schemes are not legitimate, and presenting such a scheme to a creditor in an attempt to eliminate debt constitutes fraud. You may also refer to an unsealed indictment of a gentleman who attempted to use the same scheme. See [redacted] To the extent that you paid for the purported claim documentation you sent to PHHMC, you may have a complaint against the party or parties who supplied you with and/or prepared the documentation. Should you wish to file a report with the Federal Bureau of Investigation (“FBI”) you may do so online at: [redacted] If you do not accept the fact that the purported claim is an illegitimate and fraudulent scheme, please be aware that we may avail ourselves of certain remedies, including acceleration of your debt. Although we have not yet accelerated your debt, we reserve the right to do so should you persist in your pursuit. If you are having difficulties making your mortgage payments you may contact a PHHMC customer service representative to discuss your options at [redacted]

Consumer

Response:

Review: [redacted]I am rejecting this response because:Requesting evidence of a loan is not a debt elimination scam but a fraud on the part of PHH Mortgage Corporation for not providing such evidence when it is their obligation. As officially stated several times, I would be happy to settle any financial obligation I might lawfully owe as soon as I have received the following documentation from PHH Mortgage Corporation. 1. Validation of the debt (the actual accounting);2. Verification of your claim against me (a sworn affidavit or a hand signed invoice in accordance with the Uniform Commercial Code);3. A copy of the contract signed by both parties and therefore binding both parties. I have given PHH Mortgage Corporation several opportunities to reply to my requests with a notice sent using recorded post, and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. PHH Mortgage Corporation's said failure to provide the aforementioned documentation within the required timeframe by law, to validate the debt, has constituted PHH Mortgage Corporation's agreement to the following terms: 1. That the debt did not exist in the first place;OR2. It has already been paid in full;AND3. That any damages I suffer, PHH Mortgage Corporation will be held culpable;4. That any negative remarks made to a credit reference agency will be removed;5. PHH Mortgage Corporation will no longer pursue this matter any further. Regards,[redacted]

Business

Response:

Please be advised that servicing records reflect that Mr. [redacted] filed a pro se answer to the foreclosure complaint on January 9, 2014. As such this case is now in active litigation and all further correspondence should be directed to our Foreclosure attorneys [redacted]


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User Reviewer891281

Review: My complaint started right after they purchased my mortgage 9/2010. I logged on to their website to view payment information and the site did not recognized my loan number. After 8 phone calls over the course of 10 months, I was constantly told I could not view my information online because when I "financed my loan with them, I signed up to receive paper statements, not electronic statements". However, I NEVER received one paper statement, either. I tried to explain that I never financed with them, therefore did not fill out such paper. I financed with a [redacted] which did not carry ** loans, so they sold my loan in the first 30 days. I insisted they email, mail, or fax me a copy of this paper that I had apparently signed, and never received anything. Finally, after almost a year, I refused to hang up until I got a manager who reset our account to be able to veiw the loan online. Fast forward 3 years, and we have sold the home. Two weeks before we closed, I called and emailed my new contact information to send the escrow refund check to. I was told I'd have it in 15 days. After 24 days I called and they said they had sent it the previous week, but to the old address. I had a mail forward, and it still took another week to get it. The date on the envelope happened to be the date I called inquiring, not the week before as they said. They insisted on doing a stop payment and overnighting me a check. I was angry but agreed. After 7 days, nothing. I called again, and they didn't process the new check. I was assured I'd have it by the next week, and again, nothing. I was promised on 7/26 that I'd recieve confirmation and a tracking number for the overnighted check on 7/29, but I have not heard from them. The house sold on 6/13, it funded on 6/15, and I have not recieved my check and it is 7/30. I just called, and they said it was being sent to me today, and as soon as the tracking number is a**ilable, I'll get a call. I'm not impressed, nor am I expecting a check.Desired Settlement: Follow-up on customer inquiries should be mandatory my a shift manager. Some type of a resolution report should be followed up to be sure the best service is being provided. How is it possible that a customer can call a customer service rep, AND email via their online chat option a new mailing address and phone number, and still not have the account updated?! How is it possible that after 45 days, I still do not have a refund that was supposed to be received after 15 days? This company has a ton of room for improvement in their processes and communication between departments. It is deplorable, really.

Business

Response:

PHH extends an apology for any inconvenience the issue may have caused the borrower and for the experience the borrower had in the past with creating a profile within our [redacted] website. PHH also apologizes for the frustration and length of time it took the borrower to receive paper statement. Please be advised that PHH mailed the borrower’s escrow refund in the amount of $1,493.32 on July 5, 2013 via regular mail. Upon receiving the borrower’s calls stating the escrow refund had not been received, PHH stopped the original escrow check and reissued check #[redacted], dated July 29, 2013. The check was sent overnight via [redacted], tracking # [redacted]


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User Reviewer891323

Review: The business incorrectly automatically withdrew three payments from my bank account. The first of the month payment ($853.02) was an incorrect amount, that I called the customer service in regards to. The correct amount ($720.52) had not been updated in their system, even though I had called the company back in March when I receieved notice that there would be adjustments to my monthly payments coming up in May due to a shortgae in Escrow. Since the compnay over drew that amount I was told by them that on the 15th of June I would only be paying $590.53. On the 17 of June I checked my bank account to pay bills and saw that another $853.02 had been withdrawn. When I called them in regards to this incorrect withdraw, they told me that $259.99 had been paid towards the principal balance. I informed them that I had not authorized this payment, and I wanted a refund. I also asked to speak with a supervisor since this was the second payment that was incorrect and was no afecting my ability to pay other bills. The supervisor was unavailable and I was told that I would be given a call sometime on the 18th of June. When I went into work today (18JUN14) I checked my bank account to set up another online bill pay and I saw that this company had withdrawn another payment of $723.03. I never authorized that and am now in the negative in my account. I called them again and they asked me to fax a copy of the statement and a brief explanation of what I wanted. They then also called and asked if I had faxed the paperwork. I told them I had and I wanted a full refund of the $259.99 and $723.03. I was told I would be contacted once they received my fax. I did get an email that they received my fax. They basically stole money from my account and now I cannot make payments on my other bills. Their lack of attention to detail during changes to payments is astonishing.Desired Settlement: I want the full refund of all extra monies they stole (because I did not authorize the amounts of payments and the date and amount of the last payment). The total is $983.02. I want the flex payment to be cancelled as I will now only pay once a month and refinance in order to switch mortgage companies.

Business

Response:

Dear Ms. [redacted]

Servicing records indicate that you set up your Flex Pay account in [redacted] to begin with your [redacted] 1, 2014 payment, to be drafted on [redacted] 3, 2014 and [redacted] 15, 2014. The draft amounts were $735.71 and $735.70.

Additionally a letter was sent to you on [redacted] 17, 2014 indicating that due to an escrow analysis performed on [redacted] 8, 2014, your monthly payment changed to $1,701.04, effective with the May 1, 2014 payment. The drafted amounts were changed to $850.52. There was a shortage of $259.99; the system is setup to add any amount to the next monthly payment if it is less the your additional escrow monthly amount

There was a subsequent change of the draft dates to the 3rd and the 17th, as per your requested. However, the latest date for a 2nd draft of the month is the 15th. Due to the miscommunication, funds were drafted on the 3rd, the 16th and the 17th.

Funds in the amount of $932.02 were wired back into your bank account as per the instructions you provided. Check number [redacted] dated [redacted] 2014 for the overdraft fees of $105.00 are being mailed to you.

We sincerely apologize for any inconvenience or frustration that this matter has caused.

Consumer

Response:

[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.]

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,


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User Reviewer891335

Review: My house foreclosed on 7/26/2013. The foreclosure proceedings did not begin in both August and September 2013 and in March 2014, as they erroneously reported to [redacted]. They owned the house prior to that time. This is the third credit dispute I have had to submit – I submitted disputes on 9/18/2013 and 11/1/2013 that were approved by them and by [redacted].

They are creating great distress for me in that I have had to pay for a credit monitoring service, continually send in these disputes, pay for copies of my credit report, and suffer the credit consequences of having erroneous negative information on my credit report.Desired Settlement: I would like to receive a signed, dated letter informing me that the erroneous information has been removed from my credit report. Most importantly, I would like to receive a written guarantee that no more erroneous information will be submitted to credit agencies.

Business

Response:

On March 27, an electronic update was sent to the credit agencies to show the foreclosure date as July 28, 2013. Attach you find a letter for your records.Thank you

Consumer

Response:

[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.]

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,


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User Reviewer891347

Review: I enrolled in PHH's [redacted] Program in order to have my mortgage automatically debited from my account. All of the paperwork was done correctly & all authorizations granted. PHH drafted the first payment with no issues, but the problems began w/ the second payment. On 1 October, PHH claimed they drafted a payment from my account. I waited for it to clear my bank, but it never did. I called my bank & they informed me they never saw a draft from PHH Mortgage. Then on 11 October, PHH Mortgage claimed my bank rejected the payment & charged me a NSF. When I called them & told them my bank said they never saw the draft, they claimed someone told them they did not authorize the payment. I asked them for a name but they could not give one.

I paid them over the phone for that payment & they drafted it from my account, but then put it into a suspense account. On 20 October, when I looked at my account, they had assessed me a late fee & I noticed that they had not applied my payment, but had left it in a suspense account. They could not explain why they did this when I called.

On 17 October, they also drafted my account for my first half of the November payment, so I thought everything was fixed. On 4 November, I called my bank when I did not see the 1 Nov draft come out & they stated they had not seen it. I called PHH on 4 & 5 Nov & they claimed they submitted the draft, yet my bank confirmed they have not seen it. On 6 Nov, PHH stated my bank rejected the payment & assessed NSF charges, yet my bank stated they never saw the draft. There has always been sufficient funds in my bank account to pay my mortgage.

I tried numerous times to call & speak to a supervisor, but I kept being told none are available & I have to wait for them to call me, or being hung up on. Not acceptable. When I called last, a CSR told me PHH had 2 different accounts on my record, but I only gave them 1. Its clear they put the wrong acct info & are drafting from wrong account.Desired Settlement: Refund of all fees. Correction to my account. Any erroneous data being reported to the Credit Bureaus corrected. Some sort of compensation for time, loss of work, and frustration.

Business

Response:

PHH extends an apology for any inconvenience the issue may have caused the borrower. The 2nd draft for the Flexpay was set-up incorrectly and has been corrected.

Servicing records reflect Speedpays were completed to replace the missing payments. The scheduled Flexpay will draft from the correct account ending in 7870, on November 17, 2013 and December 1, 2013.

In addition the fees assessed due to the erroneous Flexpay set-up have been waived and the loan is being reported current to the credit agencies.

Business

Response:

PHHMC extends an apology for any inconvenience the issue may have caused the borrower. As previously advised in our response on November 14, 2013, the 2nd payment draft for the Flexpay was set-up with an incorrect account number. This information has since been corrected.

PHHMC has accurately updated the system and the Flexpay payments are scheduled to be drafted on the seventeenth (17th) of the prior month and the first (1st) of the payment month, as requested. The notification that was attached to the response on November 14, 2013 was system generated with the update. We apologize for any confusion it may have caused.

With regard to the correction of fees and the reporting to the credit bureaus; PHHMC advised in our response on November 14, 2013 that the fees associated with the error have been waived and the loan is being reported to the credit agencies as current.

Consumer

Response:

[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.]

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,


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User Reviewer891365

Review: This company became the servicing agent for [redacted] my mortgage company. On 5/10.2013 I processed an online payment in the amount of 5,000 to be paid towards my mortgage - my payment was processed but the money was not credited to my account - at this time, PHH and [redacted] while they acknowledge the payment has not credited my account accordingly. They have in essence STOLEN my fundsDesired Settlement: that the amount paid be credited to my mortgage along with the applicable interest.

Business

Response:

PHH extends an apology for any inconvenience the issue may have caused the borrower. PHH has been able to identify the $5000.00 payment that was issued from a bill pay service on May 10, 2013. The payment was received on May 16, 2013 and was applied to the incorrect loan. PHH has had the payment removed from the incorrect loan and applied to the loan number indicated above. Furthermore, PHH has had the portion intended for principal in the amount of $1316.39 applied to the loan with an effective date of May 16, 2013.

We have also been able to review [redacted]s loan and verified that there were no late charges nor negative credit reporting associated with this event.

Consumer

Response:

Complaint[redacted]

I am rejecting this response because:

As of today, the 5,000 payment was reversed on my account and I was charged an additional 60.00 for fees which I have no knowledge of - PHH continues to commit actions on my account which may be paramount to stealing in that it appears after filing the complaint they responded to the Revdex.com with false information. THIS RESPONSE IS NOT TRUTHFUL - Someone at PHH continues to play with my mortgage account and payments in an effort to likely cause other harm to an account which I have had in good standing and paid timely since 2004. I would like a full investigation on this matter as it appears that [redacted] and PHH are misappropriating funds and at this point I have no idea as to where my $5,000 is.

Regards,

Business

Response:

PHH extends an apology for any inconvenience the issue may have caused the borrower. The $5,000 was reapplied to the loan on July 18, 2013 as payment and principal with an effective day for May 16, 2013.

The funds for $60.00 applied to the loan, satisfied previous [redacted] fees. The $60.00 has been reversed from the [redacted] fees and applied to additional principal effective July 29, 2013.

Consumer

Response:

[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.]

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,


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User M. J.

Difficult to get information about my loan. Very limited information online. Seems to be serviced by out of the country organization. I do not recommend this company.


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PHH Mortgage Corporation rating

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Category: Mortgage Bankers, Real Estate Loans, Real Estate Loan Modification, Mortgage Brokers, Financial Services

Address: 1 Mortgage Way, Mount Laurel, NJ, 19422-1851

Website: https://www.phhmortgage.com/

165 people are currently seeking PHH Mortgage Corporation contact information.