PHH Mortgage Corporation

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,

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 On the 17 of June I checked my bank account to pay bills and saw that another $853.02 had been withdrawn.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,

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]

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]

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: