PHH Mortgage
Reviews and Complaints

Account #[protected]

My mother passed on Nov 17, 2021. Her home was sold on auction 2 years ago. We have not seen a dime of this money and it is getting ridiculous. The home was sold for over 100,000.00 and she only owed roughly 70,000.00. Her estate has not received any of the money that it was supposed to receive. At this point if I do not hear from someone today regarding this matter, then I will initiate complaints with CFBB, BBB and Attorney's Morgan and Morgan or the Attorneys that handled the class action suit against your company. I will also reach out to the news media. I can be reached at [protected].

Loan #[protected]

Wells Fargo transferred my mortgage to PHH Mortgage Services effective November 1st and PHH assessed their closing costs to me on my November 17th statement. The $2696.50 is not my responsibility as I had nothing to do with this transfer and I cannot AND WILL NOT pay these expenses. If it's not illegal, at best, it's predatory and unethical.

My home was destroyed in a wildfire in August 2023. My insurance company has paid out funds that had to be signed over to PHH for them to monitor. The initial claim payment was sent to them in Mid September 2023 and a second smaller one was posted to them on October 26th. I have sent the requested forms, signed documents, lien waivers , and w-9 forms to them repeatedly with no release of funds. I am now facing a loss of over $80,000 of personal funds that I used as a deposit for my home replacement. Each time I call it is another review and another 5 days. This has to end and I need my contractors paid!

July 25th, several days before the due date, paid my Quarterly Taxes, I was not behind in my taxes at all, I paid them August 18th not knowing. PHH is initiating a foreclosure on me for this very same thing that they did in 2016. They told my wife it was a mistake and they would place that amount on the Principle Balance. Shortly thereafter we started receiving billings for the Taxes. I talked to 4 service representatives, the first was before Covid and I said I would pay and I never heard back, the second, I said the same thing to and he never forwarded the paperwork. I told the third rep that I would pay but wanted a 2016 Year ending Statement to review, she sent me 2022, the next rep said he would send it and never did. We are seniors, 74 and 84, need a lawyer as these people are incompetent and I never checked the charges they were applying to the loan on a monthly basis and want an accounting.

My ex and I took out a HELOC with Coldwell Banker in 2007 and years later it was sold to PHH. Since that time my ex and I split and as of August 15, 2023 we owed approximately $600. My ex called for a payoff to be done with it. In the meantime I filed a chapter 13 bankruptcy on August 19th 2023. I did not include them in the filing as it was being paid off. When my ex received the payoff letter today they added a fee of $950 to the original $600 payoff amount for bankruptcy fees! When we called them they stated they would not remove the fee even though they are not listed as a creditor on my bankruptcy and are being paid off in full! Complete and total scam!

Sold my home six years ago and loan was paid in full. Just found out last week one year ago PHH mortgage/Ocwen reported first and second mortgages as 30 days late. All records expunged from regular computer systems, filed complaint with a fax. In this day and age who uses a fax for anything important. Been two weeks and still no answer. Thought I was done with this [censored]ty company six years ago, now I’m dealing with them again!

We started a refinance with PHH in November of 2022 and was denied due to a $419 balance showing our credit report for a lease vehicle that was to return in April of 2023. After many weeks of paper pushing and proving income and phone calls and verification, we finally appeared to getting somewhere with a close date. They never send me a notice of denial only a after I called they informed me to give them a try again once the vehicle was returned and we had to go on record not to obtain another lease. We paid for the appraisal, did home repairs (minor) and waited for a reason. They never provided us with one. The loan officer indicated that sometimes this happens and it would be easier the next time we apply, granted our credit did not change. Well we did wait and reapplied in May of 2023. We are still waiting on our paperwork processing, tax transcripts, bank statements and our DNA results (joke) to get a answer. This is by far the worst company to refinance with. They are poor in communications and their needs up front. They do have a online portal that is never updated. They continually ask for duplicate paperwork and is not transparent as to their next steps. Our loan have been with the underwriter, back to the loan officer, to the processor at least 3 times. This second time around we have paid $600 for an appraisal, repainted the surface of our trim around the house $1200 and added an extension to our hot water tank, $250, to satisfy the appraisal process. If complaining on our payout to get a refinance and where is this extra money coming from? I was informed that it apart of the requirement from government to secure the loan request. I have been so discouraged and do not know what to do at this point. I did ask the process should we try another refi company. I haven't hear back from them in days unless I initial the conversations.

The WORST company by far I have ever dealt with in my 59 years of life. The Mortgage belonged to my parents who have both passed. They had a really great company, Champion, who after their passing was allowing my husband and I to renovate the house for sale. Their restrictions were only a letter every 6 months of intent to be responsible. And then PHH bought the mortgage. What a nightmare. We offered everything, including paying the mortgage every month until we could sell the property. NOPE. They are the most incompetent, unwilling, unforgiving, just complete A$$holes of a company.

I would never ever recommend this company to anyone. And no, you talk to very few who speak English or who are fluent in English which is all the more aggravating.

I hope you guys go out of business. You will never have mine again or any associates or referrals from me or my family. Worst company I think I have every dealt with. YOU SUCK.

My mom passed away and has a recorded beneficiary dead to me upon her death. We have been trying to get PHH to give us a payoff so that I can pay off her loan and move on with the selling of the house. They are refusing to give us a payoff and every month they delay with a payoff it is costing me an additional $300-$400 in interest that they will collect. I have a buyer for the property and cannot do anything without the pay off. They refuse to give either the title company who has a copy off the beneficiary deed which says it is a binding and legal document or me a payoff so that we can close the matter.

I'm a customer I've been paying my Morgan now they were suppose to mail me mod papers I'm still waiting what they are doing to me every month is wrong I'm looking to sue them I'm sick lost my husband and now my son I'm 68 years and not well can't do this this with them anymore they mail my checks back to me not even checks copies please help me Laura carbone [protected]@gmail.com thanks

In September of 2022, I sent an insurance check in the amount of $15,974.82 for damages to my home. On October 10, 2022, I talked to an agent Julius (uv752) who informed me that a check for 25% ($3993.71)of the insurance up to $10,000, would be issued to me. Six months later(April 2023), they issued a check in the amount of $798.15. I called them on May 5, 2023 and asked why they didn't send the 25% ($3993.71) they stated back in October 2022. It was the same agent, Julius (uv752). He stated that a company called Dimont had taken a fee of $3,194.96. I asked him how this could be and he claimed that they were the ones who filed the claim because the property was vacant. I immediately called my insurance company, Nationwide, and my agent told me that the claim was filed by me and being that I am the owner, I am the only one who can file a claim on the property. I called the loss/draft department back and spoke to agent Angelo (t78) who gave me the explanation that Dimont is an insurance adjuster who was hired by my insurance company. That is not true. Nationwide Insurance has their own adjusters.

I lost my home because of P.H.H. mortgage> I was working to keep my house with the foreclosure dept, while the mortgage company was sending me the same paperwork to fill out saying they never received it. The also drilled holes in my locks and had a pvt company winterize my home in which they stole my property in and around 2009. I was told to file a civil suit against them after the class action suit. How long do I have to file against them. I have every piece of paper that was sent to me from them. all my bills, copies of what I submitted to them. The last time I was in court, the mortgage co never showed and the judge granted that I owned the property and they were to go no where near it. I had 2 small children and was terrified when I came home to find out the locks were broken, I feared for the safety of my children. I still have emails from the mortgage co apologizing after they put a lockbox on my home twice. The rep from the mortgage co even gave me the lock box code. yet they still took my property.

Dear sir/ma'am,

On March 1, 2023 PHH Mortgage added several fees to my mortgage loan without informing me.

These fees include:

1) assessed expenses of $801

2) suspense balance of $3.41

3) extra escrow fee of $222 when I already have $1300 which is more than enough for taxes and insurance.

4) Interest rate height

And 5) and the most important of them all with an explanation..

... In May of 2022 Ga Community affairs paid all arrears and 3 months in advance on my loan, however their system indicates that I have only one payment in advance.

I emailed PHH Mortgage about this problem, they gave me an address to write the company which is:

PHH Mortgage Services

Research Dept

PO Box 24736

West Palm Beach FL

I was told to write the company with any concerns.

I am aware that this company is in a law suit for illegal assessed fees, I also sent that info in my complaint.

Also when I questioned the representative about the $3.41 suspense fee he informed That if I didn't want to pay it Then I Don't have to just deduct it from my next months payment. That was pretty unexpected and telling.

My escrow has a balance of $1300+, however they said it was $222 dollars short and added $39 to my mortgage payment without notifying me. I ask the representative when will they stop taking the extra escrow payments. He said, I had to call to have them stop it or they will continue to take it out each month, I didn't think that was the way it should be, they should stop once the illegal escrow was paid in full, therefore my suspicion of this matter has risen to the highest.

I have not been able to find a pro Bono or free lawyer to help me fight against this big company, as soon as Ga Community Affairs saved my home they started adding illegal fees to put me back in the same situation.

Can someone please help me or at the least guide me to someone who can..for more info please give me a call at [protected]

Thank you,

Veronica Bonner

I have a perfect payment history with PHH. I am writing to express my extreme dissatisfaction with PHH’s lack of concern regarding my recent escrow and PMI questions and sincerely hope you can assist.

PHH called on 3/3/23 to inform me I was behind in payments. As all payments are on autopay, I was perplexed. We looked up my bank records and found all checks were paid and cleared to Feb 2023.

Zaid explained there was an increase in escrow. He stated communications were sent out in December in regards to Escrow. We then realized I had not yet receive it because of mail address update. When PHH first updated my mailing address, they left out my unit number (see Exhibit 2) I needed to call again to properly update with a unit number. This caused many lost and delayed mailings.

What was discovered:

1. Exhibit 1 - Homeowner’s insurance has always been paid by me: 2022 – 23 Farmers Florida ($1022) and 2021 - 22 Tower Hill ($1234)

2. Exhibit 2 - Per the customer account activity statement there is no reflection homeowners insurance payments being paid by the escrow account. Please clarify.

3. Exhibit 3 - 6/24/2022 Tower Hill - $2536.50 sent a bill to me. It doubled from last year and I went with Farmers Florida. Please explain the PHH payment to Tower Hill in the amount of $5589.00?

4. Exhibit 4 - Confirm the Escrow Account has removed the Homeowners Insurance

5. Exhibit 5 - Per the Private Mortgage Insurance Disclosure, the closing PMI Insurance were to be removed July 1, 2022. I wrote in last year and was told I needed to wait until this year. Please clarify.

You can help by:

1. Provide PHH Manager contacts with email address to have one point of contact and share the documents associated with these issues.

2. Schedule a call with an expert escrow PHH Manager and Tower Hill (Nancy) insurance to resolve insurance issue.

3. Schedule a call with an expert PMI Manager to remove the PMI now and retroactively.

Below are the following PHH individuals contacted for resolution of the Escrow matter to no avail.

3-28-23 Emailed Escrow Removal Request Form (PHH said it wasn't my signature, also mailed in Conventional Locked Commitment Form to prove my signature)

3-28-23: Contacted Nancy from The Kevin McDonald Agency to assist with understanding the PHH Check

3-24-23 Emailed Escrow Removal Request Form

3-24-23 Spoke with manager Neil (BQ2) he emailed Escrow Removal Form. I requested his manager call me back Bomin (BQ2), no call back

3-24-23: Received a communication from PHH stating Nisar Choudhary is my relationship manager. I requested to schedule a call, they stated that could not be done. He was not available.

[protected]: Emailed/Mailed EFFECTIVE IMMEDIATELY Reimbursement of Policy Number XXX to:

1. PHH Mortgage Services 1 Mortgage Way, Mount Laurel, no reply

2. [protected]@AllState (Tower Hill), called back and working on this

3. [protected]@mortgagefamily.com, auto reply, no resolution

[protected]:Tanya 8PM Tried to connect me to a supervisor, was told that a supervisor was going to call me in an hour, no callback

[protected]: Zaid (ID: ZAP) 8PM Tried to connect me to a supervisor, was told that a supervisor was going to call me in an hour, no callback

[protected]: Shruthi (ID: U73)

[protected]: Shrona (ID: SSO) 5:15 PM Tried to connect me to a supervisor, was told that a supervisor was going to call me in an hour, no callback

3-3-2023: Jasmine

3-3-2023: Ravi (ID: A59)

3-3-2023: Zaid (ID: ZAP)

you claim to have paid my home owners insurance policy on 3/4/22 but my home owners never credit my account with payment.

you claim you have proof of them accepting payment in form of a cashed bulk check. But that proof has not been sent to my agent even with multiple request. You will not send it to me or email it to me for reasons you say of privacy to others on the bulk check. But why is it that you can not send a fax in a timely mater (not 48 hours) when you claim to have it in hand.

I sent sent a request for disbursement on 02/07/2323 and yet to receive it. I have called over and over again with zero results. No one seems to pay any attention to my emails and phone calls.

These people do not respond to any request to escalate my problem to anyone who can do anything.

I send a disbursement request every month and do not get it until I call over and over again,

We took out a reverse mortgage through Liberty and then we were told that PHH will manage the mortgage. It only took a month before they were saying that we didn't provide them with our insurance information. Then, we had our Weston Wind Ins go into foreclosure but because we had paid our premium we were notified by the State Court receivership that even though the company was out of business as of 8/17/22, we were covered until Sept 7, 2022. We sent in the information and I talked with several customer service representatives and we thought everything was settled. But on our October, 2022 statement we saw that they had taken $7,932.33 from our equity to pay for Hazard Ins from 2/17/22 - 2/17/23! I still don't understand how you can buy insurance that covers you in the past. Definitely a scam! They thought that we didn't have coverage on our home from 8/17/22 - 9/7/22 so they bought almost $8,000 worth of insurance with our money and we never saw the policy. We contacted the Consumer Financial Protection Bureau and submitted a complaint. We finally got a reply from PHH's Ombudsman who rectified some of the problem. He agreed that we did validate that we were covered except for the period from 8/17/22 - 9/7/22 which we still owed them $456.39, We did get the credit toward our loan repayment but they TOOK our equity money. It was their mistake and they should refund everything to our account. I highly recommend going through the CFPB at https://www.consumerfinance.gov/complaint/. We are also going to ask them if we need a lawyer.

What is ridiculous is that this never would have happened if they had competent staff. We're in our mid 70's and it's like we have to do all the clerical work for them. Also, all the insurance we have has their name as the mortgage holder so if they had a question about whether we were covered or not, they could have called the company directly.

PHH is a terrible company!