Stop PHH Mortgage

Lets join together to save consumers from PHH Mortgage's bad business practices

Your PHH Mortgage Complaints


Submit your complaints about PHH Mortgage here and lets see what we can do together to get them to be a better business.

414 Responses to “Your PHH Mortgage Complaints”

  1. John Dienst said

    In May of 2009 I tried to start the process of modifying my loan. So far PHH Mortgage has been able to give me a pretty good run-around or tap dance regarding the HAMP. First I sent out a packet of papers which I filled out and sent back to PHH Mortgage. I had not heard anything for 3 months. I called PHH Mortgage and they told me that they did receive my filled out papers on such and such date and they have 60 days to reach a decision on my loan. I waited and still heard nothing again. Once again I called PHH Mortgage. The customer service rep. told me that my paperwork was lost. She also told me that there was new paperwork to fill out any way. That paper work was supposed to reach me in 7-14 days. It has been 1 month and still nothing. I guess it is time to call PHH Mortgage back and listen to some more excuses. This sickens me about PHH Mortgage and what they are doing or not doing for their customers. The government obviously needs to step in and start monitoring these lenders business ethics. We live in a world in which our top notch business men and women preach Corporate Social Responsibility and Work Ethics and this is where we stand as a country today. DISGUSTING!!! Shame on you PHH Mortgage. I am trying to remain politically correct. Otherwise I would be writing other comments. The whole country is on stand by because of banks and what they are not doing. Lets get the ball rolling and maybe if done correctly people can get their lives back in order after straightening out their mortgages and start living again. This could be the jump start we and the economy is waiting for. Lets go!

    • theadamsparty said

      WELL SAID!!! Maybe if enough of us complain to the FTC then eventually they will do something. I had the same run arounds too with PHH. It took me months to get a hardship application and then I was told I would have to wait 30 days for an answer. I never got an answer and 1 year later my house foreclosed.

      • Kena said

        PHH Mortgage has some very bad business practices and they don’t seem to care much about their customers. Did you think to file bankruptcy to stop the foreclosure process?

      • Kathie said

        Ok,so how do we stop this?Just writting about it is not going to solve the problem,and in the meantime many more are going through or going to go through this!If PHH is doing something illegal then they have to be made to account for it!Perhaps then we here can stop this crap & keep all the others from losing their homes!Come on people,are you content to just sit back & let this continue to happen?Some of you out there still have a chance to save your homes!Isn’t it worth it to try?Did anyone ever hear of a Class Action lawsuit?

      • sam said

        IF anyone sees this I have started a facebook page to log complaints against PHH. Please visit facebook @ PHH complaints. I need any and all complaints and as much information as I am fighting PHH to the very end I have been fighting them for over a year and a half. PLease help with any information. THanks

      • Donna said

        OMG I have been doing the same since 2009 starting with applications and paperwork spent at the very least 2 years on the ph with PHH either on hold or with representatives outside of the USA who kept me going in circles and leaving me in “Ques” and advising that they do not have all info in one specific place and try this one and that one. Now we are trying to refi and again have been kept in the dark and sending papers, documents calls and emails. Just this year alone after 6 months of working with them this time someone actually in the USA for a change. Gave all info asked for sometimes 2 and 3 times and still got denied. WTH! I/we are so disgusted with them wish there was a way to rid PHH of my life!!!!!!!!

      • tunisha said

        Hi. I’am going through the same isssue as everyone else. I was wondering did anyone get any help to stop PHH Mortgage.

      • They say that they are “honest and ethical everyday”… well this is for everyone who has been stepped on by the (real) other side of their spin!!!

        Please visit our Facebook page and make your complaint known… https://www.facebook.com/ShameOnPhhMortgageRbsCitizensBank

    • Donna said

      OK so stop me if Im wrong. The general theme is that PHH persuades clients to stop paying thier mortgage, stating that they will make a better deal with you. Months go by with no results,rude emp;oyees, document loss, unresponsive servicer methods,etc. Finally, they come up with a “modification” that is, simply stated, everything you owed and have built up in interest over the months that they were “working for you on a modificatin” as well as legal fees and other fees IE monthly drive=bys etc. Your payment then goes up and they fix your rate at well above prime (7.88 in my case) The word is then” this is non negotiable, take it or leave it. “WE’VE BEN WORKING WITH YOU FOR MONTHS” I’m ready to name names.

      • Donna said

        oh yeah–they also want a huge,unaffordable “contribution” up front.

      • Donna said

        I would like to know that to do about PHH Mortgage Company, they bought my loan approximately nine years ago, I decided to refinance with them, they are putting me through the ringer. Mind you I am a college graduate holds a masters degree a black woman in Boston, have never been late on any payments, but PHH is constantly asking for this, that, and the other (too long to explain) they are now telling me I will have to get inside insurance for my condo or I will not be able to close they are holding five hundred dollars on my mastercard and I think its just a scam to get money. I want to know how many more people they have done that too? We all need to get together and file a class action law suit against PHH Mortgage. I am also writing to my congressman and President Obama to let them know of this terrible way they are handling loans. Thanks for any help to get this Bias company to do the right thing.
        I will keep following this up on all complaints.

    • Fred said

      I am a real estate professional that is trying a help a past clients of mine (free of charge just helping a poor family with hardship) who lost their jobs and got behind and want to keep the house and continue to pay. However, PHH is giving me the same exact run around as your case “send them the workout package and then wait 30-90 days then you call them to tell you that they lost the papers and resend them….yada yada yada then send a new package again– 4 times already….” . I think they are playing games with the FHA loans because they are insured and if they forclouse, HUD will pay them ANYWAY. I know some states require that the lender crunch in the borrower numbers and offer them a loan mod before they can forclouse on the case and get their money from HUD.

      SINCE HUD IS A FEDERAL ENTITY (USES TAX PAYERS MONEY) AND PHH IS TRYING TO SCAM HUD by avoid approving the modifications for the home owners ==> in a way, I know feel that they are scaming me since I am a taxpayer…… I told the homeonwers to file a complaint with the FTC and I will write a letter to my congressman about this.

      • carolelonsway said

        Fred, use this and tell everyone who has a similar problem. It it all over the Internet.

        Complaint

        PHH Mortgage/ ERA PHH Mortgage /PHH Corporation/PHH Mortgage Services

        (collectively “PHH Mortgage”)

        Corporate Office

        PHH CORPORATION

        3000 Leadenhall Road

        Mt. Laurel, New Jersey 08054

        Loan No. 711-020-7201

        This Complaint falls under your jurisdiction as this company is an asset-backed finance company whose corporate office is located in New Jersey.

        Opening statement

        “The enforcement authority of the Securities and Exchange Commission, given by Congress allows the SEC to bring civil enforcement actions against individuals or companies alleged to have committed accounting fraud, provided false information, or engaged in insider trading or other violations of the securities law. The SEC also works with criminal law enforcement agencies to prosecute individuals and companies alike for offenses which include a criminal violation.”

        Charges

        In accordance with the Making Home Affordable program enacted by President Obama, coupled with Public Law 111-21, Fraud Enforcement and Recovery Act of 2009, I am filing a complaint against my existing mortgage company, who received my application in January, 2010 to help with my mortgage payments. I have provided PHH Mortgage all information required for this mortgage company to assist me in providing a program that will keep me from having to sell my home. I just lost my husband in October, 2009, I have been declared disabled by a federal administrative judge, and live only on Social Security Benefits. This qualifies as having a ‘hardship’.

        Through the months of waiting for a response to my application it wasn’t until April 6, 2010 I was called by a representative of PHH Mortgage, an employee at the time, who quoted me a program that PHH Mortgage would put me in. This was good news because my application sat there from January through February 10th, when it took that long for them to request more recent bank statements. I sent information PHH Mortgage needed to complete my application and provide me with a plan. It was called a step-program whereby my monthly mortgage payments would start in the low $300s per month and included taxes and insurance, then on a sliding scale increase slightly over four to five years. Mr. Comer was very clear about this modification plan and said it would include an escrow account so monthly insurance and taxes could be paid through the escrow account.

        Enclosed in this complaint is a forbearance agreement PHH Mortgage sent me overnight via UPS demaning that I sign the document and send them a certified check for $ xxxxx, then return the signed document along with a check within 24 hours. The day was a Friday, the package was received at 4:40 PM no time to get a certified check, nor time to even consider the agreement that did not in any way state the terms I was quoted by Mr. Comer. Further in the last paragraph of the agreement PHH Mortgage states that if I don’t do these two things they will start foreclosure proceedings without further notice.

        Here’s what PHH Mortgage did:

        Mr. Comer called me on the phone on April 6, 2010 and told me that I had been approved for the step program he was able to get me approved for. Since then, PHH Mortgage has refused to honor the program plan quoted to me by an employee representing PHH Mortgage. In that this company has continuous tried to change the terms and conditions they also have verbally attempted me to tell them’ what don’t you like about the agreement?; has since tried to reduce all commitments made to me as indicated in their forbearance agreement enclosed in this complaint, I ask that the SEC, who is granted the power to investigate fraud, do so. I have gone back and forth with this company too many times; but advised them that I would only accept the original commitment given to me by a representative of the company. Whether he is still an employee or not, Mr. Comer was representing the corporation at that time.

        I understand that government takes a while for their respective agencies and departments to go through the many, many complaints over this MHA Plan but in the meantime, I am asking the Securities and Exchange Commission investigate this complaint that may result in other fraudulent practices of “PHH Mortgage” collectively in order to protect the public. You were granted money and the power in the Fraud Enforcement and Recovery Act of 2009, and should be able to add staff to investigate more quickly complaints such as this one.

        All documents of our transactions are enclosed in descending date order for your convenience. I am asking that the SEC investigate this mortgage company within your parameters; this is an asset-backed securities company.

        Resolution

        I want the original step-modification Plan that PHH Mortgage offered me and which plan is described in documents herein retroactive to April 6, 2010 and all monies that would have reduced my monthly mortgage payment be credited to my mortgage balance and statements.

        President Obama, I assume, made this plan so that citizens can get relief from these economic times and where regulators have allowed the finance and insurance industry to basically steal investment monies from Americans.

        This complaint involves mortgage finance money and is an asset-backed finance company, this complaint must be investigated not only for my issue but their securities reporting are as well. I assure you there probably is more than one complaint against this business that is ultimately tagged throughout the collective companies reaching into the securities funds. Two officers of the corporation have knowledge of the attempt that PHH Mortgage has attempted to misrepresent commitments already made by the company. Mr. Jerome Selitto and Mr. James Egan, CPA

      • Eric Mason said

        I believe the above statement is true and that PHH is committed what constitutes as mortgage fraud. I had similar problem along with some that go even deeper, such as misapplying my payments and making some of my payments disappear. You should contact your local FBI field office, and lodge a complaint. You can find your local FBI office number by google search FBI, or there is a link through the FBI website. They have a mortgage fraud division. I was told that an investigator was going to look into my case and that if there were other similar complaints, they would launch an investigation into this company.

    • anita said

      I have sent my package to PHH four times. This is one of the leter we send on July 20,2009

      PHH Mortgage/Loan Modification Plan

      To Whom It May Concern:

      I am writing this letter to explain the unfortunate set of circumstances that have caused us financial hardship. We have done everything in our power to make ends meet but unfortunately we have fallen short and would like you to consider working with us to modify our loan. Our number one goal is to keep our home and we would really appreciate the opportunity to do that.

      The main reason that caused us to have a hardship is both my husband and I have experienced layoffs. Mine was in March 2008. I am on unemployment and also now have partime job where I earn $140 a week. I am desperately searching for a full time position.

      My husband could not find work in his previous career as a graphics artist.
      He retrained as a massage therapist and started working in Feb 09, but is only earning about $300 a week, considerably less than he used to.

      Our debt to income ratio is currently much greater than 31%.

      Our income not being nearly enough, we are afraid of falling behind. Now, it’s to the point where we are afraid we cannot afford to pay what is owed. It is our full intention to pay what we owe. But at this time we have almost exhausted all of our income and resources so we are turning to you for help.

      Our situation has not gotten better because of the economy and the poor job market. We feel that a loan modification would benefit us both. If I lower my salary requirements I may be able to get back to work sooner, avoiding the potential of falling behind on our mortgage. We would appreciate if you can work with us to lower amount owed and or monthly payment so we can keep our home and also continue to keep our excellent credit rating and relationship with your firm.

      We truly hope that you will consider working with us and we are anxious to get this settled so we all can move on.

      Sincerely and Respectfully,

      • she said

        Have you got a response?

      • anita said

        nothing

      • carolelonsway said

        Anita:

        Use this, it will help be sure to copy the people I show here.

        Good Luck

        Complaint

        PHH Mortgage/ ERA PHH Mortgage /PHH Corporation/PHH Mortgage Services

        (collectively “PHH Mortgage”)

        Corporate Office

        PHH CORPORATION

        3000 Leadenhall Road

        Mt. Laurel, New Jersey 08054

        Loan No. 711-020-7201

        This Complaint falls under your jurisdiction as this company is an asset-backed finance company whose corporate office is located in New Jersey.

        Opening statement

        “The enforcement authority of the Securities and Exchange Commission, given by Congress allows the SEC to bring civil enforcement actions against individuals or companies alleged to have committed accounting fraud, provided false information, or engaged in insider trading or other violations of the securities law. The SEC also works with criminal law enforcement agencies to prosecute individuals and companies alike for offenses which include a criminal violation.”

        Charges

        In accordance with the Making Home Affordable program enacted by President Obama, coupled with Public Law 111-21, Fraud Enforcement and Recovery Act of 2009, I am filing a complaint against my existing mortgage company, who received my application in January, 2010 to help with my mortgage payments. I have provided PHH Mortgage all information required for this mortgage company to assist me in providing a program that will keep me from having to sell my home. I just lost my husband in October, 2009, I have been declared disabled by a federal administrative judge, and live only on Social Security Benefits. This qualifies as having a ‘hardship’.

        Through the months of waiting for a response to my application it wasn’t until April 6, 2010 I was called by a representative of PHH Mortgage, an employee at the time, who quoted me a program that PHH Mortgage would put me in. This was good news because my application sat there from January through February 10th, when it took that long for them to request more recent bank statements. I sent information PHH Mortgage needed to complete my application and provide me with a plan. It was called a step-program whereby my monthly mortgage payments would start in the low $300s per month and included taxes and insurance, then on a sliding scale increase slightly over four to five years. Mr. Comer was very clear about this modification plan and said it would include an escrow account so monthly insurance and taxes could be paid through the escrow account.

        Enclosed in this complaint is a forbearance agreement PHH Mortgage sent me overnight via UPS demaning that I sign the document and send them a certified check for $ xxxxx, then return the signed document along with a check within 24 hours. The day was a Friday, the package was received at 4:40 PM no time to get a certified check, nor time to even consider the agreement that did not in any way state the terms I was quoted by Mr. Comer. Further in the last paragraph of the agreement PHH Mortgage states that if I don’t do these two things they will start foreclosure proceedings without further notice.

        Here’s what PHH Mortgage did:

        Mr. Comer called me on the phone on April 6, 2010 and told me that I had been approved for the step program he was able to get me approved for. Since then, PHH Mortgage has refused to honor the program plan quoted to me by an employee representing PHH Mortgage. In that this company has continuous tried to change the terms and conditions they also have verbally attempted me to tell them’ what don’t you like about the agreement?; has since tried to reduce all commitments made to me as indicated in their forbearance agreement enclosed in this complaint, I ask that the SEC, who is granted the power to investigate fraud, do so. I have gone back and forth with this company too many times; but advised them that I would only accept the original commitment given to me by a representative of the company. Whether he is still an employee or not, Mr. Comer was representing the corporation at that time.

        I understand that government takes a while for their respective agencies and departments to go through the many, many complaints over this MHA Plan but in the meantime, I am asking the Securities and Exchange Commission investigate this complaint that may result in other fraudulent practices of “PHH Mortgage” collectively in order to protect the public. You were granted money and the power in the Fraud Enforcement and Recovery Act of 2009, and should be able to add staff to investigate more quickly complaints such as this one.

        All documents of our transactions are enclosed in descending date order for your convenience. I am asking that the SEC investigate this mortgage company within your parameters; this is an asset-backed securities company.

        Resolution

        I want the original step-modification Plan that PHH Mortgage offered me and which plan is described in documents herein retroactive to April 6, 2010 and all monies that would have reduced my monthly mortgage payment be credited to my mortgage balance and statements.

        President Obama, I assume, made this plan so that citizens can get relief from these economic times and where regulators have allowed the finance and insurance industry to basically steal investment monies from Americans.

        This complaint involves mortgage finance money and is an asset-backed finance company, this complaint must be investigated not only for my issue but their securities reporting are as well. I assure you there probably is more than one complaint against this business that is ultimately tagged throughout the collective companies reaching into the securities funds. Two officers of the corporation have knowledge of the attempt that PHH Mortgage has attempted to misrepresent commitments already made by the company. Mr. Jerome Selitto and Mr. James Egan, CPA

      • They say that they are “honest and ethical everyday”… well this is for everyone who has been stepped on by the (real) other side of their spin!!!

        Please visit our Facebook page and make your complaint known… https://www.facebook.com/ShameOnPhhMortgageRbsCitizensBank

      • Dave said

        I would love to know what kick-back my bank received for my mortage. I had reserched for years and decided to use my Local Sunmark CU. I did this so I could have a personal relationship in case of any issues with my first mortage. They assured me they didnt sell mortages and it was not an issue. WELL, I was shocked to get a letter that my Sunmark CU had sold my New Mortage To PHH. with in a weeks time. I didnt even make my first payment. This is crazy. You can never get PHH to answer anything. Sunmark CU didnt give them all the closing paperwork on my home ins that was pre-paid 1 year. PHH sent me a bill for a crazy amount of like $3,000 saying they were purchasing ins and I had 24 hrs to prove otherwise. So much for that personal relationship with my CU…

    • Donna said

      Has anyone had any resoulution of these issues? The conversations have died out.

      • carolelonsway said

        YES, completely!

        I suggest on this site how to get PHH Mortgage to complete your loan mods. Use it. The above complaint was sent to both Dept. of Treasury and Dept. of Justice. I have received many emails from you customers of PHH telling me this worked and they have had complete success with their modification. :-)

    • Carole G said

      Yes, I have filed complaints against PHH Mortgage/PHH Mortage Services /PHH Corporation ‘collectively’ with all these company CEOs with Department of Treasury, Fannie May, Securities and Exchange Commission, Senate Banking Committee. You folks email me for all the info you need to do this. I am also sending copies of these complaints to their general (legal) council. I will get my step-modification they committed. Also write a letter to these CEOs and remind them of the new Fraud Enforcement and Recovery Act of 2009. Email me at caroleg@tcworks, you can copy my complaints.

      Don’t let these MFRs be silent on their illegal actions – yes what they are doing is illegal.

      • scott and kim said

        I am writing you in regards to PHH Mortgage and the names and numbers of who I can send complaints to. We were going through a loan mod and PHH claimed our house vaccant, which it was not and took our lean back on our house. We sent in electric bills, etc and no response. Our home is now in the redemption period because when they deemed our house vaccant they said it canceled our modification. Is this insane or what? They will not work with us in any way and we need some help because basically our house was “UNLAWFULLY” sold out from under us and I will NOT LET THESE LYING SCAMMERS GET AWAY WITH THIS.

        Thanks so much,
        Kim

      • Shaltreece & Eric said

        I have recently become acquainted with the unethical, ruthless, and dispicable tactics employed by PHH from an even different perspective. I came across this website while searching for other ways to expose these SOB’s. So far I have emailed, sent a letter, or registered a complaint with the following media outlets, public officials and others:

        Keith Oberman show (MSNBC)

        Rachel Maddow show (MSNBC)

        Better Business Bureau

        Michigan Congressman Mike Rogers

        Michigan Senator Debbie Stabenow

        Cartus Corporation – (they referred us to PHH through my company’s relocation program)

        PHH VP of Public Relations

        PHH On-line Services

        Registered issue on Complaints Board.org

        Joined on-line petition by thepetitionsite.org

        I would like to see examples of previous complaints filed. I think the other action we can take is to tactically approach businesses directly related to PHH to advise them of how PHH is conducting its business. I have never encountered such flagrant mismanagement and poor loan servicing practices in over 15 years of home ownership.

        Following is one of the letters I sent to my local Senator just today:

        November 26, 2010

        Dear Senator Stabenow:

        The purpose of this letter is to expose irregular and unethical business practices routinely imposed upon consumers by PHH Mortgage Services, located at 1 Mortgage Way, Mount Laurel, NJ, 08054. In addition, I am hoping this letter will prompt additional support for resolution of both our and numerous other families’ issues that remain unresolved by PHH Mortgage Services.

        My family and I relocated from West Michigan to the East Lansing area after I accepted a new position with my current employer. PHH Mortgage Services was recommended to us by Cartus Corporation, the company that services our company’s corporate relocation needs. We have had a loan serviced with PHH Mortgage Services since July, 2009.

        In October, 2009, my husband was permanently laid off, and subsequently remained largely unemployed for the next several months. Even though he was able to find a new job, it is still significantly less than what he was making before. As a result, we have fallen behind on several bills including our mortgage, which started back in May, 2010. The good news is that we have been working hard to get back on track, and on November 4, 2010, we acquired the cash needed to bring our mortgage current.

        I called PHH Mortgage Services to make a payment over the phone in the amount of $4,272.82 which in addition to the $44.51 left in a “suspense account” with them, plus two partial payments made via ectronic funds transactions on 10/12/10 for $195 and $752.35 on 10/25/10, would pay for September, October and November.

        I was transferred to a representative who informed me of the following:

        · We would have to pay PHH Mortgage Services $5,835.43 in order to become current which later I figured out equated to:

        · The partial payments made already were going to be rejected by the Cash Management department and returned to me.

        · If I couldn’t remit the entire amount being asked for, I could only make payments equal to an entire month’s payment vs. paying the difference of what they HAD ALREADY RECEIVED and WITHDRAWN FROM OUR BANK ACCOUNT.

        I was shocked because in all other cases before this point, partial payments had been applied to a “suspense account” which funds were held until they met the amount necessary to satisfy a payment due.

        I informed the representative that even though this has never been the case, that if she was sure the Cash Management department would return the $947.35 I’d already paid by11/16/10, I would make the November payment, but had to have that money in order to do this. I then made a payment over the phone for $3,494.95 to cover September and October’s payment.

        Later, I was having trouble reconciling the figures the representative in the Collections department had given me and did some research. That’s when I learned the following:

        · $195 EFT was never posted to our account, suspense or otherwise

        · $752 EFT was also never posted to our account, suspense or otherwise

        · The $5,835.43 included charges currently in dispute (late/other fees)

        · The $5,835.43 included charges that PHH had already received funds for (escrow shortage)

        I waited a few days and called PHH MS again to first resolve the issues stated above. I received the $195 back via a check within the first couple of weeks even though the money never was posted to my account. I have yet to receive resolution of the disputed fees or the $752.35 payment which was posted to the suspense account on 11/18/10; nearly a month later.

        In short, PHH Mortgage Services refused acceptance of the payment we wanted to make in order to bring our account up to date. In addition, we have had to speak with at least 8 customer service representatives and two supervisors, all of whom have given us different information each time we call about the status of our refund; the refund which they forced upon us but have yet to follow through on. We believe this is because PHH wants homeowners to default on their loans so that they can acquire their homes.

        Lastly, following is a list of other items that have compelled us to write this letter in the hopes that PHH Mortgage Services will be forced to stop these practices and held accountable for their actions in some way:

        · PHH Mortgage Services sends customers letters that say a HUD pamphlet and financial worksheet are enclosed when those items are not. I have reported this to PHH Mortgage Services on two separate occasions and the letters are still coming with nothing enclosed.

        · PHH Mortgage Services is misleading customers regarding the accessibility, and availability of help when they need it.

        · Specifically, all refunds, fee-related issues, and other critical consumer needs, are supposedly handled by the PHH Mortgage Services Cash Management department. The letters from PHH Mortgage Services state that representatives from customer service to collections are available from Mon-Thu, 8:30 PM-8:30 PM, and 8:30 PM-5:00 PM Fri & Sat. However, the Cash Management department is only open until 5:00PM each day. This forces all customers with issues to call during the business day to try and get issues resolved which involve interactions with this department.

        · PHH Mortgage Services employs this and other “death-by-delay” tactics to try and frustrate customers into giving up on their issues or claims. Fore example, on three separate occasions when I have called, I am asked to repeat informatin over and over again when there are clearly notes on our account. Then, I am told that there is nothing they can do further because the time was now past 5:00PM and the Cash Management department was closed until the next business day. If it is earlier in the day, the response I get is that no response has been received or a lie that the payment has been processed/sent, or some other falsehood.

        What’s more, PHH Mortgage Services representatives and supervisors claim that this department can only be communicated with via email; that NO PHONE NUMBER OR CONTACT PERSONS EXISTS to expedite a refund or resolve an issue. Instead, we are at the mercy of email correspondance with the Cash Management department. This seems to be the only department that has the authority to get things done, so how are they helping customers with service like this?

        · PHH Mortgage Services intentionally delays mailings to customers by printing send-mail on Fridays. This ensures mail will not go out to customers until the following Monday. As you know, a matter of a few days can be the difference between saving one’s home and losing it to foreclosure.

        Senator Stabenow, I have never written any of our elected officials before now. However, in this delicate time of economic recovery and need for financial reform, average consumers like my husband and I must do something to expose companies like PHH Mortgage Services who prey on unsuspecting families.

        In closing, I urge you to look into the class action law-suit against them in NJ where they are headquartered, conumer websites devoted to exposing PHH Mortgage Services, as well as some of the over 300 complaints filed against them with the BBB in the last 36 months. If you do, I’m sure you will notice a reoccurring trend of customer abuse and inadequate servicing of loans. Thank you for your time and consideration in this matter.

        Sincerely,

        Shaltreece Reddick

      • Eric Mason said

        Yes it is illegal, and the FBI has a mortgage fraud division. I highly recommend calling your local FBI field office and filing a complaint with them. I did it today and was told that if their investigator found that there were similar complaints that they would perform an investigation into this company. So the more of us who contact them the better the chances. Spread the word. PHH made some of my payments disappear…did not apply them to my mortgage, applied multiple payments to single months mortgage ect. They did the same to a soldier who was deployed to Iraq and had his payments set up on auto pay. He was awarded 1,000,000 by a federal court in Georgia. He was stationed at Ft. Benning in Columbus Georgia….if you want to look it up.

      • They say that they are “honest and ethical everyday”… well this is for everyone who has been stepped on by the (real) other side of their spin!!!

        Please visit our Facebook page and make your complaint known… https://www.facebook.com/ShameOnPhhMortgageRbsCitizensBank

    • Carole G said

      Anyone is hereby authorized to use this information regafding their complaints about PHH Mortgage. GOOD LUCK PEOPLE.

      Complaint

      PHH Mortgage/ ERA PHH Mortgage /PHH Corporation/PHH Mortgage Services

      (collectively “PHH Mortgage”)

      Corporate Office

      PHH CORPORATION

      3000 Leadenhall Road

      Mt. Laurel, New Jersey 08054

      Loan No. 711-020-7201

      This Complaint falls under your jurisdiction as this company is an asset-backed finance company whose corporate office is located in New Jersey.

      Opening statement

      “The enforcement authority of the Securities and Exchange Commission, given by Congress allows the SEC to bring civil enforcement actions against individuals or companies alleged to have committed accounting fraud, provided false information, or engaged in insider trading or other violations of the securities law. The SEC also works with criminal law enforcement agencies to prosecute individuals and companies alike for offenses which include a criminal violation.”

      Charges

      In accordance with the Making Home Affordable program enacted by President Obama, coupled with Public Law 111-21, Fraud Enforcement and Recovery Act of 2009, I am filing a complaint against my existing mortgage company, who received my application in January, 2010 to help with my mortgage payments. I have provided PHH Mortgage all information required for this mortgage company to assist me in providing a program that will keep me from having to sell my home. I just lost my husband in October, 2009, I have been declared disabled by a federal administrative judge, and live only on Social Security Benefits. This qualifies as having a ‘hardship’.

      Through the months of waiting for a response to my application it wasn’t until April 6, 2010 I was called by a representative of PHH Mortgage, an employee at the time, who quoted me a program that PHH Mortgage would put me in. This was good news because my application sat there from January through February 10th, when it took that long for them to request more recent bank statements. I sent information PHH Mortgage needed to complete my application and provide me with a plan. It was called a step-program whereby my monthly mortgage payments would start in the low $300s per month and included taxes and insurance, then on a sliding scale increase slightly over four to five years. Mr. Comer was very clear about this modification plan and said it would include an escrow account so monthly insurance and taxes could be paid through the escrow account.

      Enclosed in this complaint is a forbearance agreement PHH Mortgage sent me overnight via UPS demaning that I sign the document and send them a certified check for $ xxxxx, then return the signed document along with a check within 24 hours. The day was a Friday, the package was received at 4:40 PM no time to get a certified check, nor time to even consider the agreement that did not in any way state the terms I was quoted by Mr. Comer. Further in the last paragraph of the agreement PHH Mortgage states that if I don’t do these two things they will start foreclosure proceedings without further notice.

      Here’s what PHH Mortgage did:

      Mr. Comer called me on the phone on April 6, 2010 and told me that I had been approved for the step program he was able to get me approved for. Since then, PHH Mortgage has refused to honor the program plan quoted to me by an employee representing PHH Mortgage. In that this company has continuous tried to change the terms and conditions they also have verbally attempted me to tell them’ what don’t you like about the agreement?; has since tried to reduce all commitments made to me as indicated in their forbearance agreement enclosed in this complaint, I ask that the SEC, who is granted the power to investigate fraud, do so. I have gone back and forth with this company too many times; but advised them that I would only accept the original commitment given to me by a representative of the company. Whether he is still an employee or not, Mr. Comer was representing the corporation at that time.

      I understand that government takes a while for their respective agencies and departments to go through the many, many complaints over this MHA Plan but in the meantime, I am asking the Securities and Exchange Commission investigate this complaint that may result in other fraudulent practices of “PHH Mortgage” collectively in order to protect the public. You were granted money and the power in the Fraud Enforcement and Recovery Act of 2009, and should be able to add staff to investigate more quickly complaints such as this one.

      All documents of our transactions are enclosed in descending date order for your convenience. I am asking that the SEC investigate this mortgage company within your parameters; this is an asset-backed securities company.

      Resolution

      I want the original step-modification Plan that PHH Mortgage offered me and which plan is described in documents herein retroactive to April 6, 2010 and all monies that would have reduced my monthly mortgage payment be credited to my mortgage balance and statements.

      President Obama, I assume, made this plan so that citizens can get relief from these economic times and where regulators have allowed the finance and insurance industry to basically steal investment monies from Americans.

      This complaint involves mortgage finance money and is an asset-backed finance company, this complaint must be investigated not only for my issue but their securities reporting are as well. I assure you there probably is more than one complaint against this business that is ultimately tagged throughout the collective companies reaching into the securities funds. Two officers of the corporation have knowledge of the attempt that PHH Mortgage has attempted to misrepresent commitments already made by the company. Mr. Jerome Selitto and Mr. James Egan, CPA

      • selble73 said

        Hello Carole,

        My name is Seleus and I came across the PHH Mortgage site and upon your posts. You had suggested how to get PH to complete your loan mods. The complaint letter you said should be sent to Dept. of Treasury and Dept. of Justice. You also said that you had received many emails from you customers of PHH telling you this worked and they have had complete success with their modification.

        I copy and pasted my blog complaint below so that you know a little about my story. I had wrote it before coming across your posts. I wanted to know if you can send me your complaints, letters and if you’re in contact with those people who said that they’ve had success with sending out these complaints. I want to know what you did, didn’t do, what actions to take and so forth and how did that work out for you and others that you know. Any information would be greatly appreciated! Thank you.

        My post:

        I am inquiring on behalf of my boyfriend Joe. We live on the East coast and he has applied for a loan mod. Right now he is working with a consumer advocate who is working on a very large complaint against PHH. I’ve researched online for the past few weeks and have been simply appalled at the apparent fraud that is this company. He has experienced the same delays, hangups, long hours on the phone, rude behavior, countless re-submitting of documents, etc etc as I am sure everyone has experienced as well. He was like others assured that a loan mod was in his best interest but they wont even allow him to make any payments and only decided to after he of course missed payments. Its been 6 months now and still no word and 2 weeks ago he received foreclosure papers. His advocate has fallen sick and is slowly coming back but the delay in sending out the huge complaint has him and I in a constant state of anxiety, frustration, sickness and depression. I’ve forwarded him everyone’s complaints here as well as this website to then be forwarded to his advocate. In hopes of helping. His advocate has worked on loan mods before and has never seen in 5 years something like this. He thinks someone put a bad spell on him because how can you not think it.

        His advocate, said reading everyone’s complaints his helpful but is weary. She thinks it better that we all personally reach out of course first through here and since we’re all looking for justice – that many of yous can be available to be contacted by phone or email so everyone can get closer to this and talk to each other. She hasn’t mentioned getting a lawyer just yet but from what I’ve read here so far..I think its a good idea. My boyfriend doesnt think he’ll get a mod anyway and even if he did, he’s going to still be trying to fight to stop any foreclosure notices. He wants to take them to court.

        I wanted to put it out there if there is anyone here who is currently in the midst of suing or is thinking about it- that you can be able to provide your email and numbers of course through the email- to be able to contact each other personally..so we can all collectively help each other outside from here. Sometimes it gives our advocates or lawyers more confidence if they can connect with others personally. I put this out there from a sincere and honest place to not only help us but help all of us.

        If anyone is interested in this please email me at sgilotusflower73@gmail.com
        My name is Selly and my bf Joe and I live in Mount Vernon, NY.
        If you like to share your problems or if u have any solutions or if you can be available to talk to my bf or his advocate- and of course- if you have a pending case- would be returned to you.

      • St Clair said

        HOORAY! I found a fantastic website!
        A kind and concerned Counselor at the Michigan State University Extention office has provided me with a website for those of us who are having trouble with our banks.

        As I have already file a previous complaint with the Comptroller of Currency, I was then told, that they only file the complaints until more come in. So, this is a good site.

        I pray that we can all see some good come from it. Please go to this website and file a complaint… try to tell them to look at this website for reference to what you are telling them… It could help us all…

        http://www.helpwithmybank.gov/complaints/index.html

        THIS IS GOING TO TAKE ALOT OF TEAM WORK and PRAYERS.

    • john doe said

      Same thing here with this mortgage company, got the run around and lied to, going on 2 years now, foreclosure just around the corner. filled out the same fourms bout 8 times. they lost them 3 times and the last 1 they actually changed the numbers on them increasing our income to say we dont qualify. is this even legal?..if i had phone conversations recorded and can prove it was them talking to me with the things they told me,i know i could sue the crap out of them..they r so evil.

      • Eric Mason said

        You should, phone your local FBI field office. The FBI has a mortgage fraud division, and if they receive enough complaints they told me they will open an investigation. PHH does record your phone conversations. I am hoping an investigation is opened as I have been royally screwed by PHH. They made some of my payments dissapear, and applied multiple payments to a single months mortgage….which in turn caused my account to look delinquent, and I was placed in foreclosure.

    • German Hidalgo said

      I lost my home to PHH in 2011 after going back and forth with them since 2007,I fought tooth and nail to keep my home after being laid off in 2008 from a job I had for 5 years. I filled out all forms required by them year after year and qualifying, but thanks to there well planed delays every single one expired and I had to start all over again. Is there any way to fix this wrong they have caused. Thank you in advance for any info any one may have.

    • They say that they are “honest and ethical everyday”… well this is for everyone who has been stepped on by the (real) other side of their spin!!!

      Please visit our Facebook page and make your complaint known… https://www.facebook.com/ShameOnPhhMortgageRbsCitizensBank

    • Here is a bit of interesting information that is worth reading concerning legal issues PHH Mortgage is being hammered with!

      PHH Mortgage Reaches $6.3 Million Settlement with New Jersey Attorney General

      Dec 6 13

      The New Jersey Office of the Attorney General announced Dec. 4 that the acting attorney general, John Hoffman, and the Division of Law Director Christopher Porrino have entered into a $6.3 million settlement with PHH Mortgage Corp. The settlement resolves allegations that the company misled homeowners who sought loan modifications or other help to avoid mortgage delinquency or foreclosure. It includes $3.6 million in restitution payments, which must be paid within 30 days of the settlement’s effective date, to approximately 2,000 borrowers nationwide whose loans are serviced by PHH Mortgage. The balance will be paid to the state of New Jersey. Another condition of the settlement requires PHH Mortgage to provide the state with detailed information about its activities related to, among other things, mortgage modifications and foreclosure actions on a quarterly basis.

      I am also Including the main persons responsible for the operations of PHH Mortgage.

      Key Executives for PHH Mortgage Corporation

      Mr. David E. Tucker
      President

      Mr. Glen A. Messina
      Chief Executive Officer of PHH Corporation and President of PHH Corporation

      Ms. Madeline Flanagan
      General Counsel and Vice President

      Mr. Martin L. Foster
      Senior Vice President of Servicing

      Mr. Robert C. Andwood
      Senior Vice President of Private Label Solutions

      PHH Mortgage Corp.
      1 Mortgage Way
      Mount Laurel, NJ 08054

      Phone: 866-946-0081
      Fax: 856-917-6000

      • Micki said

        Yes, this happened. After 4 years of misery and stress and diligence and almost losing our home; persistence and a loud collective voice can sometimes make a difference. I have noticed over the past year that contacting and communicating with PHH has improved tremendously. (i.e. we have documented 36 minute holds in the past) Once connected now the representatives seem much more knowledgeable and cooperative-also an improvement. All I can say is that we will see what the future holds. My military parents used PHH years ago and spoke highly of their experience; somewhere along the way the company definitely took a nose-dive and we felt those ramifications. Hopefully no one else will experience the misery and unhappiness that we did.
        Signed: Cautiously Hopeful…

  2. Rich Silvester said

    My situation was nearly identical to John’s with the exception that I started my modification request last February! My request was denied by Renard Foxworth on the grounds that I am still current with my mortgage (you don’t bother going to the doctor if you don’t have a pulse!) So, the whole year has passed and PHH’s advise to me is to short sale. Something is very wrong here.

  3. John Dienst said

    Glad to see more posts coming in. Recently as we all know, banks were given billions of dollars in TARP funds. Unfortunately, PHH has taken an approach like so many other banks, and we know that position is to not help homeowners. Banks are now reporting profits again. Gee, I wonder why? Maybe because the TARP loans helped regain the banking strength and they did nothing with it except invest it to help themselves. I am still current with my mortgage, but after reading prior posts a short sale seems to be the answer. How sickening. I bought this new house in 2005, landscaped it, put air conditioning in it, put up blinds, painted inside, and many other updates which proud homeowners do and this happens. I lose my job. The bank account will be at zero in about seven months. Maybe I should put the home up for sale (short sale)and be on my way? I am 37 years old and still have perfect credit but will be ruined soon if I cannot find employment. I have no other outstanding debt. No credit cards, car payments, nothing. I cannot even get a refi! Myself and many other people like me are the ones which keep banks in business (great credit, responsible bill paying americans) and we just get “the shaft.” Lots of responsible people like us on this blog are the ones that kept the economy rolling and it will never be the same without us. Who will give us responsible bill payers a loan in the future. Pretty soon it will be the non bill payers or poor credit individuals and us with nothing. Then those with something, are slowly going to fall because the repair this program was supposed to do has failed and the economy will keep suffering. Those still with jobs will slowly lose them because myself and others have nothing to give back to the economy, then those still working will be in our situation, losing everything. Wall Street and the government reports that the economy is starting to do better. This is a load of BS! Unemployment numbers have not dropped, home sales falling, etc. Cash for clunkers helped the auto industry and economy somewhat, tax incentives for new homebuyers has been extended because of the recent home sale info. Without programs like these where would we be? It does not jump start an economy. It is taken advantage of, rightfully so, and then those consumers reseal their bank acounts for further purchases. No help! Does anyone out their know how the foreclosure process works? Can I pay $50 a month and prevent it from happening? I have heard, as long as I am paying something, foreclosure cannot proceed. Looking forward for new posts and answers.

    • theadamsparty said

      What do you need to know about foreclosures? My house just foreclosed on in August of this year. Also, we tried to get PHH to accept a short sale and they never did. In fact, from what I have read, if you are short in payments at all, you will be delinquent and in a few months, foreclosure proceedings will start. I have read other comments about how people have paid a lesser payment amount and have found up in foreclosure anyway.

      • she said

        I sent a Qualified Written Request to PHH. Does that STOP the forclosure process? My sale date is set for 3/31/2010. I’m caught up on my payments. PHH has not acknowledged any of them. I’m wondering if I should file an Intent to Cure just in case? But wouldn’t that make me responsible for the attorney fees?

      • Shlee said

        What did you do after the foreclosure? I’m still confused by the process. If PHH forecloses on my property, then I can walk away, correct? When does the 7 years start that you can then purchase a new home? And were you able to rent after the foreclosure?

    • Anne said

      Don’t count on PHH approving your short sale. After being flatly denied a loan modification by PHH, I put my house on the market at a price that would have covered my loan and all closing costs. There were no buyers who even came to look. I systematically reduced the price from the the low $600Ks to the low $400Ks. In January 2011 I received the first of many offers on the house. I submitted all required paperwork to PHH immediately. They took months to respond to the offer. Their response was a counteroffer, demanding a higher sale price. This drove our buyer away.

      My realtor continued to aggressively market my house as comps and offer amounts fell. Each time we sent up a buyer offer, PHH delayed, eventually asked for more money and our buyers walked. My realtor begged PHH to consider that these were all fair market value offers as proven by the comps she was able to furnish. She had to send offer paperwork and other requested paperwork multiple times to PHH because they claimed they didn’t get it. Together we called whoever we could find names for in PHH’s Loss Mitigation department to inquire about the status of our offers and to beg for foreclosure postponements while we waited for their response to our buyer offers. The agent making the decisions on the offers never once accepted our phone calls.

      The final offer on my house was a cash offer for $375K. PHH rejected it and counteroffered, demanding a higher amount. The buyer would not come up. PHH foreclosed on my house and the following week took it to auction with an opening bid of $375K. No one bid. This proved my realtor to be correct when she told PHH $375K was a fair market value. Now my house is listed for sale for $379,900. The estimated mortgage payment is LESS than what I told PHH I would be able to papy when I originally requested a loan modification. At that time I was paying $3000/mo on interest-only loans. PHH said even if they were willing to modify my loan the mortgage payment would increase from $3000/mo because it would become a conventional loan. I had always been current with my mortgage payments until my hardships occurred (husband laid off and then our divorce). PHH was unwilling to help me keep my home. When I worked to short sell the house and avoid foreclosure they foreclosed my house after seven months of diligent work on the part of my realtor and me. Now my credit is destroyed, I am a renter and my house is being sold to someone else for less than I would have paid and it will end up being less than my buyer offered.

      I currently have a complaint filed with The Department of Corporations in California because they are the agency that licenses PHH to do business. I am willing to send my story and the documentation of the offers and responses from PHH to anyone who can take action against PHH. I want my credit restored so I can own a home and manage my finances more easily. I did not deserve what PHH did to me.

      If you know of any current class action suits against PHH that I could join or any other action I can take, please let me know.

      Thank you.

      Anne

  4. Rich Silvester said

    John- I moved across the country for a job and have 20% down and a 401K down on a house that dropped 50% in value- can’t refi, leasing won’t cover the mortgage, and can’t sell without writing a six figure check. Further, because I am no longer living in the house, I disqualify myself from the federal programs. To remain current, my savings are depleted, my debt has ballooned, and the situation is unsustainable. Strategic default is being considered, however, if I do this I realize this will be more of a benefit to PHH than to myself, and may no longer have a case to pursue (as the house is in CA) My understanding is that as soon as you become non-current, PHH will begin the foreclosure process. They will only consider a short term mod when the past dues and penalty fees demonstrate an opportunity to increase a magin on your principal. Or they will profit from pushing us off the cliff as quickly as possible. Its reprehensible, however, they will continue leveraging the laws of a broken model that no longer apply until mandated through reform. They have already demonstrated a failure and inability to “do the right thing”. My FTC complaint is in-process, along with legal pursuance.

    • theadamsparty said

      We were in the same situation, our house was underwater when we put it on the market and had to move or lose the job. We didn’t qualify for the federal programs because we weren’t living in the house. We couldn’t rent it because the rent would be too high. We couldn’t sustain the house either and after six months on the market, we had to stop paying. PHH foreclosed about a year later. We had 7 short offer on the house and PHH ignored them all. Then they foreclosed on it for 211K and now it is on the market for 206K. We had one short offer for 220K. I am convinced that computers are running the show. It seems inconceivable that PHH would not accept a short offer, it would have been the humane thing to do.

  5. Steve Costello said

    I am experiencing the same feet dragging, run around from PHH Mortgage Services. My odyssey with PHH began last November when my wife lost her job. Aside from being placed on hold, sometimes waiting for over 60 minutes, just to get an incompetent body on the other line, the practices of PHH are unethical at best and criminal at worst. I think they make up the rules as they go along. I can’t tell you how many times they have asked me for the same data I have already submitted! Either the info I submitted was lost, or a review deadline passed and I was required to resubmit the info. Finally, after missing 2 mortgage payments in June 2009, I spoke to a rep that basically told me I had to miss 3 mortgage payments in order for my file to “receive priority status.” In August 2009, PHH sent me a “Three Month Trial Period Modification” under the HAMP plan. After making my third trial payment this month, I called PHH to inquire about the status of my loan modification application. I was told by the rep that there was a data deficiency in my file and that it was duly noted on 9/12/2009 by another rep at PHH. I then asked the rep if PHH mailed me a “Notice of Deficiency” in writing, the rep replied “No.” I then asked what data was missing and she basically said I needed to re-submit my 2008 Tax Returns, Hardship Letter, Financial Statements, Form T-4506, and a new form from the government called the “Government Monitoring Form.” With the exception of the “Government Monitoring Form”, I sent the other requested data 4 times already, twice via certified mail and twice via fax. I am convinced PHH is doing all that they can to deny modifications on technical grounds i.e. claiming missing/incomplete data, claiming that deadlines have been missed, not providing borrowers with any notices in writing etc. The bottom line is this; PHH has NO intention of modifying any loans, they are simply taking advantage of distressed borrowers who are acting in good faith. It is an outrage that Congress is not putting any “teeth” behind the HAMP plan. Because of a perverted incentive structure, it is far more profitable for servicers to allow borrowers to go into default or foreclosure. When a loan goes into default or foreclosure, big fees kick in for the mortgage servicers as loan investors become desperate to recoup their investment. Unless Congress acts quickly, the real estate market will continue to collapse as a tsunami of foreclosures hit the market. I recommend that each person who posts their experiences with PHH on this website also reach out to their state’s attorney general, consumer protection agency and the state agency that regulates banks. For those that live in New York, here are the links:

    1. File a consumer protection complaint against the lender. http://www.consumer.state.ny.us/complaint.htm

    2. File a complaint against the lender with the state agency that regulates banks and lenders in NY. http://www.banking.state.ny.us/cs.htm (it’s hard to read, but on the upper left side of that webpage, there’s a place to click on “complaints.”)

    3. NY State Office of the Attorney General, Andrew Cuomo. http://www.oag.state.ny.us/contact.html

    • theadamsparty said

      Well Said Steve,
      Our politicians in Washington do know about the problems with HAMP. I read a testimony given to the Senate banking committee over the summer by The National Consumer Law Center. Everything you just wrote about was presented as a problem to the senate committee. But, as we know and are experiencing, absolutely nothing has been done at all. I agree with you to keep complaining. One of these days, someone will do something about this.
      You are also correct, PHH has absolutely no intentions whatsoever of modifying any loan. They are just playing games with us. The incentive structure is all wrong and not a single law enforcement entity is doing anything about it. Thank you for your comment.
      Coleen Martinez

  6. Tina said

    I lost my job in February and apply for a home modification loans. I would call them every 2-3 weeks and they said i dont have anything to worried about. Once my application is under review, they will stop the foreclosure precedure. They called me back in September and said they have an loan package for me, 2 days later they called back and said they accidentally forgot to remove my home from forclosure and my house was already sold. Its is now November, they never called or send me any letter. What am i suppose to do now, my credit is ruin, who is going to let me rent a place now.

  7. Sick of PHH said

    Thank you for this site which gives all of us a chance to express our issues concerning PHH. We are in the same boat as many others except that we were on a trial period payment with PHH and paid everything according to those terms and still received Foreclosure letters. We were never delinquent on our mortgage and were on the Homeowners Modification plan which had the trial period payments. In the agreement, they stated that there would be no foreclosure proceedings and late fees would be removed during this time.Then, we were told that they didn’t believe we qualified for the modification but that we may qualify for other programs. I have a call into them and our attorney. I don’t plan to take this from them. We have experienced the billing and payment issues before and had to get them to correc this but this foreclosure threat will get corrected. I have proof of our payments and when they were sent & cashed. Why do business like this still exist and how can we generate enough noise to make them stop these practices?
    Forgive me if you posted this already, I was trying to see if there was a class action suit already against this company where I can also file my paperwork and complaint.

    • theadamsparty said

      Hello! I am glad that you are already working with an attorney about this. Hopefully your agreement with PHH will be enough to get the foreclosure reversed. The only class action suit I have come across with PHH is from their shareholders a few years ago. It seems PHH was lying about the worth of their shares and the shareholders sued. I would love to get a class action against PHH. I am hoping that one of these days an attorney will come along and know how to do this and get us all on board in a class action.
      As far as making some more noise and getting PHH out of business, your guess is as good as mine. Organizing a march on Washington or at least a national hearing in Washington would be a way to go. We just need a way to get all of us together with some set ideas and plans and then move forward from there.
      Coleen M.

  8. St Clair said

    How refreshing to see this site!

    These crooks miscalculated my payments and tried to prematurely foreclose on me. They also posted my escrow incorrectly and lost $911.00 of mine beside lose a payment!

    BEWARE! CHECK YOUR COUNTY RECORDS! The loan modification that I signed was changed by them before they recorded it. I think this is called fraud. They kept the page that had my signature but changed the name of the bank, dates and descriptions of my lot! The loan modification was a joke – they added $22,000.00 to my note charging me for attorney fees and others unnecessary costs.

    This servicer/bank take our tax money to stay afloat but meanwhile they are padding it on to their assets. Isn’t that like being on welfare and working under the table?

    Wake up WASHINGTON! It’s happening right before your eyes! Nobody is listening or paying attention.

    It has been a total nightmare! This company has created fraudulent documents and recorded them in the county records!
    They mailed it in so that is MAIL FRAUD!

    Prior to the loan modification, they made 36 error to my account since 2005. I could go on and on…. somebody please – investigate this company!

    I need to find an attorney to take my case or would love to do a class action.

    I have contacted the FBI and they claimed it is definately fraud. If anyone has similiar stories, PLEASE contact the FBI – it will help us.

    I posted some of my complaints on: http://www.ripoffreport.com/

    You will see others complaining – you don’t have to join it to read the consumers complaints! Look up PHH… you will see that we are all experiencing the same situations.

    • theadamsparty said

      Find an attorney: http://www.naca.net/
      Did the person you spoke with at the FBI happen to tell you that anyone else with PHH complaints should call him/her specifically? Or should we just contact our local FBI office?
      I am totally ready for a class action. I am just hoping an attorney floats by and decides that our complaints against PHH are worth while.
      Thank you for your comment!

  9. Haymour party said

    Amazing that a company like PHH is still doing business. What is happening to America? After months of no-answer, stupid answers, and being given the run around regarding loan modifications, my sons home foreclosed. A week later a rep from PHH called and was talking a loan modification and partial claim. They are adding all the foreclosure costs and attorney fees to the principal. After a promise of a return phone call (never happens) we contacted PHH again to find out the foreclosure was invalidated a week after their phone call offering a modification. I am talking to FHA directly, calling an attorney, sending all this info to state and federal agencies, and advising the FBI. Our government needs to become aware of this company and put a stop to their unethical business practices. Homeowners who are sincerely trying to keep their homes need assistance during this economy. Keep complaining and talking to anyone who might be able to help. Is their a class action law suit out there?

    • theadamsparty said

      I appreciate your comment and can certainly appreciate and relate the the experiences regarding PHH. I also wonder why in the world they are still in business. One of these days our complaints will reach someone who cares!

    • St Clair said

      They added $22 grand to my note, a whole bunch of fees were added without any explanation. They gave me a few days to sign the documents or my house was going to be auctioned in days! I had no choice, I was at their mercy. I couldn’t even challenge any of the figures.

      When I signed the Loan Mod and sent it in, they secretly changed the name of the bank and changed other items as well. They actually recorded it. I have news for them – I am not stopping and I am not going away…. I want them exposed & stopped!

      • theadamsparty said

        Yep, that is what happens. All of those delinquent and foreclosure fees are added up to the principal and your principal amount increases although the monthly payments might be lower for a while. Exposing these types of practices by articles, blogs, reports, etc doesn’t seem to phase PHH. They just keep on going about their business as if we are all dummies just waiting to be scammed.

    • She said

      I too have similar issues with PHH Mortgage. This company is HORRIBLE. PHH is holding payments, not applying payments, to make it appear you are late and sending payments back sometimes even endorced with their company logo. I have a FHA mortgage. PHH has put me in forclosure. I have tried to contact them only to get the run around to different departments. I have since found out that I should have never been placed in forclosure in the first place. I had not missed 3 consecutive payments. I have sent certified funds to PHH totaling $4151.94. PHH has sent all but $3152.52 back to me, refusing to apply the money to my account. I have filed a complaint with the BBB, only to find out that others have too filed complaints. I have contacted a HUD counselor, who is currently working on my case now. PHH says they didn’t receive the payment within 30 days and therefore will not take anymore payments. When the letter they sent to me said “as soon as possible”.

      I found this web site and I couldn’t believe it. Thank you for the forum to help guide us consumers in protecting our rights.

      • theadamsparty said

        I am glad that you found someone to help you. I hope something will work out for you. It seems that the stories about PHH have gotten worse lately. I keep hoping that one of these days the government will wake up and do something about PHH.

        Coleen M.

  10. John Dienst said

    It has been awhile, but I am back. Out of the clear blue sky falls a package from Phh Mortgage. Actually delivered by UPS. About 3 months ago PHH said they were resending a packet for me to fill out AGAIN and I would receive it in 2 weeks! Well, I received it . 3 months later. I gave up and now this packet shows up. I am not getting my hopes up by any means. I am still unemployed and the bank account has dwindled even further. I will fill out their paper work again, this time with an attorney maybe and send it certified mail and see what happens this time. Happy Thanksgiving friends.

    • Kena said

      I am going through the same thing and I do not know what to do all the while they are sending my home to foreclosure after approving me for a modificationa and having me pay a trial modification for 11 months, and taking a year then (later) informing me that I was dropped from the program after they tried to reach me three times. I am fighting this!!

  11. John Dienst said

    I guess I wasn’t finisehed yet. What is the best and cheapest way to advertise PHH Mortgages business model. Unethical, socially irresponsible, cry baby bankers….”My bonus isnt bigger than big anymore, so we will really stick it to the consumers until my bonuses return to larger than large.” How pathetic these bankers are! “In order to retain the talent of top employees we have to pay them huge bonuses.” Bullshit! Look at Bank of America right now. They cannot find anyone to fill their CEO position. Why, because bonuses are limited now? I am not sure. Maybe they are all crowding together and conspiring to not work anymore because of government intervention into their business practices. They sit and cry about how the government shouldn’t regulate bonuses or the banking institutions and how America is a capitalistic society and government intervention should not be allowed. Then don’t ask for government TARP funds idiots. Not only have the banks in the world destroyed the economy and people, they want more of our tax money and do not want to be told what to do with it. Do the banks run the government or vice versa. Now it turns out some banks are on the hotseat because it is being found out that some of the banks took TARP funds and did not even need the funds. Oh Boy this is gonna get good. I can see it comong now. Whos going to prison this time. America suffers from passing to many laws and acts to reestablish consumer confidence over and over. Fannie Mae during the depression, Sorbanes and Oxley because of Enron, Obama’s Home Affordability because of greedy bankers pushing through loan after loan for people that they new wouldn’t be able to pay them back, and so on. All this time spent to restore consumer confidence, only to be destroyed in the same fashionover and over again. wHEN WILL WE LEARN? The whole thought process is “get it while the gettin is good” and worry about the repercussions later. The whole banking and mortgaging business needs to monitored more closely and continuously only after it is revamped. Bankers need some motivation to do right instead of looking for the quick kill, because thats all that has mounted from their greed, a dead economy.

    • St Clair said

      Be careful when you do a loan modification with them. They are wicked! These banks are laughing at us and this goverment. They try to persuade us that they are losing money… most of those loans were insured. AIG is where they get thier insurance money. So, they collect the insurance and sell the home to a sister bank. It shows that another bank bought it but meanwhile they still own the asset… I know the game they are playing and they are getting away with it! I have valid proof to show what they are doing. PHH did the same with me but I caught on and I am not letting go. I bet if most that lost thier home looked in the County records, they will see that some bank they didn’t even know of was the bank that foreclosed on them.

      I hope you find a way to secure your home. Look at each payment you made and be sure they applied them correctly. Do the same with your escrow account.

      There is an entity that we can also complain to but I will have to go into my files to get it out… I will post it in a day or so ok? Happy Thanksgiving.

  12. Andrea Allan said

    Andrea Allan said

    November 26, 2009 at 6:16 pm
    PHH Mortgage and most of the financial institutions are doing everything in they’re power to dissuade,and discourage most of the consumers who qualify for many of the HAMP Programs made available by the Obama Administration. My friend Eric Steven and I have the same Phh Mortgage. Eric hired an attorney to do hs hoe modification first PHH lost (5) faxes sent from a law firm, Months of being in review 7 to be exact then Mr. Stevens received a certified letter from PHH that his home would be in auction in 3 weeks, they also posted the summons to his home and people were driving by to preview before the sale- it as at this point his attorney finally made some headway and all he got was an $800 decrease in his mortgage(certanly not a modification) just a ploy to set Mr. Stevens up for another foreclosure in the future-(WHICH WON”T HAPPEN ) but that’s the strategy of PHH Mortgage and most FInancial institutions. Our Government loaned billions of dollars to continue and stay in business-and what have they done.. continued with Golden parachutes to CEO’s that put their companies in financial disarray which makes most consumers blood boil , then they turn around and invest the money in the stock market again to try to make up their losses instead of doing what they said which was WORK with consumers that home loans, and had a financial hardship those are the loans that qualify and instead foreclosures are going thru the roof, it’s also taxing our Animal Shelters- they’re over-run with animals and having to euthanise more perfectly healthy animals because people are being discouraged, and disuaded from getting a home loan modification. This era will go down in history as the Home LOan Fraudification and highest suicide and homicide rates ever in the history of the AMerican people. Thank God President Obama has beefed up our FINANCIAL FRAUD TASK FORCE, this past Tuesday. Now is the time to get the emails to the President of your financial institutions Tell them how long you’ve been waiting for them to Modify your HOme Loan. But now your contacting your Government so they will know who to investigate . This works did it and I don’t even have a B.A , but i do have a lap top. So get off your duft, and take action ,,, YOUR ACTION will bring about the change we need. , and will also change your energy.
    God bless and have a healthy Thanksgiving. I have copies of media emails ,, if you contact me I will be happy to attach and send to you.
    Andrea Allan

    Reply
    Leave a Reply

  13. Andrea Allan said

    Andrea Allan said

    November 27, 2009 at 1:47 am
    Andrea Allan said

    November 26, 2009 at 6:16 pm
    PHH Mortgage and most of the financial institutions are doing everything in they’re power to dissuade,and discourage most of the consumers who qualify for many of the HAMP Programs made available by the Obama Administration. My friend Eric Steven and I have the same Phh Mortgage. Eric hired an attorney to do hs hoe modification first PHH lost (5) faxes sent from a law firm, Months of being in review 7 to be exact then Mr. Stevens received a certified letter from PHH that his home would be in auction in 3 weeks, they also posted the summons to his home and people were driving by to preview before the sale- it as at this point his attorney finally made some headway and all he got was an $800 decrease in his mortgage(certanly not a modification) just a ploy to set Mr. Stevens up for another foreclosure in the future-(WHICH WON”T HAPPEN ) but that’s the strategy of PHH Mortgage and most FInancial institutions. Our Government loaned billions of dollars to continue and stay in business-and what have they done.. continued with Golden parachutes to CEO’s that put their companies in financial disarray which makes most consumers blood boil , then they turn around and invest the money in the stock market again to try to make up their losses instead of doing what they said which was WORK with consumers that home loans, and had a financial hardship those are the loans that qualify and instead foreclosures are going thru the roof, it’s also taxing our Animal Shelters- they’re over-run with animals and having to euthanise more perfectly healthy animals because people are being discouraged, and disuaded from getting a home loan modification. This era will go down in history as the Home LOan Fraudification and highest suicide and homicide rates ever in the history of the AMerican people. Thank God President Obama has beefed up our FINANCIAL FRAUD TASK FORCE, this past Tuesday. Now is the time to get the emails to the President of your financial institutions Tell them how long you’ve been waiting for them to Modify your HOme Loan. But now your contacting your Government so they will know who to investigate . This works did it and I don’t even have a B.A , but i do have a lap top. So get off your duft, and take action ,,, YOUR ACTION will bring about the change we need. , and will also change your energy.
    God bless and have a healthy Thanksgiving. I have copies of media emails ,, if you contact me I will be happy to attach and send to you.
    Andrea Allan
    Andreajoy99@yahoo.com
    Leave a Reply

  14. Checheche said

    Email I sent to SSSCU also to PHH & Mortgage Services- BBB etc

    I have had my mortgage with SSSCU since 2001. The City Of Las Vegas Special Assessment has been taken out of my mortgage for years. Your company that services the mortgage has failed to comply with the terms of my mortgage contract and my home will be going into foreclosue as of December 1, 2009 –due to your mortgage service company failure to pay this bill.

    This is not the first time this bill has not been paid, but it is the first time the City of LV will commence foreclose actions. If this occurs, I will have no choice but to take action for this breach against all parties.

    Please see that this bill is paid before December 1, 2009 and provide me with proof of payment before 3:00 p.m. PST. (A copy of this Notice and Bill are attached hereto).

    Too many competent people are out of work and this should not happen! If this happens again, action will have to be taken as notice has been given on several occasions.

  15. George Anderson said

    I contacted PHH Mortgage Services for assistance as soon as realized we were going to be have trouble meeting all our financial commitments. That was 6 months to a year ago. Three or four month ago we received a letter from PHH Loss Mitigation in the mail asking us to sign a forbearance agreement where we would pay a significantly reduce payment for 6 months. There were no details in this agreement on how much of this would go to principle, interest, escrow, etc and there was a deadline to have this signed and returned. I only had about three days from the day I picked this letter up from my PO box to meet this deadline so I made several calls to PHH to try to get this info. The employees at PHH are either completely inept or PHH Management has instructed them not to release any details on these agreements. I think the latter is probably the case. It obvious their job is not to help the customer as much as protect the company’s interests. After speaking with 3 or 4 people I still had not found out anything about principle, interest, or escrow but the last guy told me that after 6 months we would be responsible for repaying the difference between the reduced payments. I decided that if PHH was not going to spell out the full details of this agreement in the agreement that they could not be trusted. I chose not to sign the forbearance agreement and let the deadline pass. Instead we decided to make extremely painful cuts in other areas and not pay some other bills just so we could continue to make our full mortgage payments. Since then I have received numerous automated voicemails from PHH indicating that I need to call them and made several attempts to called them back at the number indicated but then ended up on hold for 30 minutes, 45 minutes, or more before I gave up or my cell phone died. To this date we have never missed a payment. The last two mortgage payments for October and November were made to PHH in full via Bank of America’s electronic Bill Pay system. Since then I have received notices from PHH that they have not received our Mortgage payments and are threatening foreclosure. I checked the bank of America web site to confirm that the payments were made and then I called Bank of America just to make sure. The Bank of America rep confirmed that PHH should have received the payments. PHH received the first payment Oct 1st and the second payment Nov 13th. The November payment was not made on the due date but was within the 16 day grace period allowed. The Bank of America rep called PHH and conferenced me in. We were on hold for quite a while but eventually got a PHH rep on the line. The rep would not give out any info at first but put us on hold spoke to a supervisor and then confirmed receipt of the payments. The PHH rep indicated that the payments were not being applied to the mortgage but being held by Loss Mitigation and I would have to speak with Loss Mitigation about it. She transferred the Bank of America rep and I to Loss Mitigation and where we waited on hold for about 45 minutes before getting cut off. During our 45 minute hold the Bank of America rep had a lot of time to chat and she could not believe PHH Mortgage did business this way.

    • theadamsparty said

      This is what I tell almost everyone, call an attorney. This could even be a good call for the FBI. PHH is taking your money and not telling you where it is going.

      The people who answer the phones at PHH really don’t do much but play games. I don’t expect much from them. After complaining with the Attorney General, I got a letter from PHH Legal Counsel. That was the most I was ever able to accomplish other than talking with the idiots who answer the phones at PHH.

      Talking about automated messages and then waiting on hold when calling back is exactly what I did. I would get calls about my financial hardship packet and then call back and just get someone’s voice mail. Or stay on hold until my battery ran out.

      Coleen M.

  16. I started a loan modification trail period with Phh Mortgage in September of 2009. I was also told no late fees or penalities would apply. I was send (2) packets one from the Homesave team of PHH mortgage. The other from PHH Mortgage lenders and Fannie Mae, I went with the Fannie Mae Modification because it better suited my needs and it was and orginal document. I was told at the begining of my trail period that I would receive acceptance or denial of modification the same way I received the both packets by FED-X or UPS. I never received to date 12/08/2009 a denial letter. But I did receive many phone call from PHH mortgages Collection department. After one week on my trail period began. I was told I was denied by phone. Oh I choose to go with The Fannie Mae Packet because I am on a Fannie Mae loan presently. I was out of work for 4 months due to a disability. I went blind in my left eye and had a injury to my neck. I call at the begining of my illness and was told by Don Moore of PHH Mortgage to sell my home. That my disability income was to low to consider a modification.
    I informed it was a short term disability and I planned to return to work as soon as my medical treatments were complete. He told me to call him when I return to work he could not help me on disability income. I returned to work. Then contacted Mr. Don Moore to request assistance with my loan Modification while out of work I had starting working with NACA and we had sent in a loan Modification request because I was two month behind in my Mortgage. He past me on to Donna Berger whom gave me the runaround until I received my packets decribed early by mail. Then we were told to work with the Home Retention Team until a solution was decided on our Modification request. By the way NACA review and looked over all modifications before I signed anything. I have been refused a modification to my loan over (3) times. But nothing in writing just refused by phone. I need help I am loosing my home. I am eligable for fuel assistance but my income is not eligiable for a goverment Hamp program? Strange isn’t it? I dont beleive Phh Mortgage ever send me in for a modification because I was denied in a weeks time. What was my file pushed to the front to be denied?
    I was then offered a forebearance plan that in a setup for forclosure. But I would not except it before getting a formal denial of Hamp program letter. I need help we all do. And by the way this is my second loan with PHH mortgage company better known as Century 21 Mortgage. The first I paid off in full in (6) years. I have had this loan for (4) years and never been late until my disability.

  17. Justmefromminnesota said

    I just got approved for a loan modification for our mortgage. I have read the horror stories about PHH and thought for sure they would not help us. We have an FHA loan and by law, if you lost your job but now found employment, they HAVE to help you. As long as you have a surplus of income (it does not matter if it is 5 dollars or 500 dollars) they will help you. They still went and put our name and foreclosure info in the paper but they have to continue until we sign the papers and send them back which is happening tomorrow. We bought a house we could afford, actually about 40 grand cheaper then we were approved for. I lost my job and for a year we struggled but made the payments. After cars breaking down and credit cards maxed out, we needed help. I finally found a job but we were 3 months behind on our payments with now way to catch up. If you have an FHA loan, and PHH are being pricks on the phone, call FHA directly in Oklahoma and you will be assigned to a case worker who calls PHH directly and moves things faster. They ended up lowering our interest rate and our payments are about 50 dollars less per month which is fine. It sucks that they had to put the 3000 in attorny fee’s in the mortgage which is a total ripoff. Good luck to everyone out there. I am so thankful we are keeping our house!

  18. Justmefromminnesota said

    Hey, no problem Coleen! It has been the most stressful 3 months of my life. When I first called PHH they would say, “we can send a hardship package but it can take 3-4 months to process and by the time we get your paperwork looked at, your house will be foreclosed on”. We basically just gave up at that point. I then decided to go to the FHA website and called the FHA location in Oklahoma. WOW, they know their stuff. I recommend EVERYONE with an FHA loan to call the FHA office in Oklahoma if they get no help from PHH. Now, if you have a huge payment and lost your job and now make 1/2 of what you made before, I am not sure how that works. I know that I was told by FHA that PHH CAN”T foreclose on your home without offering a workout option. IF you subtract your bills from your take home pay and you have 1 dollar left over, you are approved!!Good luck everyone!!!

  19. Stephanie said

    I live in Las Vegas, a place where the economy and the Real Estate market has been desimated. I first purchased my home in December of 2007 at that time I have $20,000 in my savings I thought that would be plenty to cover me if an emergency presented itself. If only I had known we were entering a recession when I purchased my home, I would never have decided to become a home owner. In June of 2008 I was notified by my employer that my hours would be cut from 32 a week to just 15, and even that was not a guarantee. In March of 2009 I had run through my savings, and I was still only working a few hours a week, when I realized that I would not be able to make my payment on time I contacted PHH Mortgage. When I finally got a hold of someone they said that I could request to short sale my house because there was no way I could afford it. It took PHH Mortgage a month to notify me that I did not qualify for a short sale since I was upto date on my payments. I was unable to make my payments and my account went into default at which time, I decided to hire a Realtor to put my house up for sale, in September 2009 I was finally approved for a short sale because I was four months behind on my mortgage. I have a buyer who has been standing buy since August 2009, I’m so glad she is able to hang in there. The negotiator has not returned any of my realtors calls in over six weeks, both myself and my realtor have contacted the negotiator as well as several customer service representatives at PHH Mortgage. No one seems to really know who can help who this person works for and who can help me with my situation. Since my loan is a HUD loan I have filed a complaint with HUD, as well as Senator Reid’s office, office of Congresswoman Dina Titus, and the White House. I don’t know if it will help my case or hurt it, my biggest fear at this point is that PHH Mortgage is going to let my house go into foreclosure instead of a short sale. Which means my credit will be forever ruined and I have no hope of ever being finacially secure, since employers look at your credit report before they will consider hiring you.

  20. Jim said

    Earlier this year I attempted to get a modification through PHH knowing that as a employee of the State of Oregon i could possibly loose my job.I haven’t lost my job but I’ve taken a 5% cut in pay which makes it very hard to meet my payments.
    Anyway they wouldn’t help me because I’m still current on my payments. I just wanted to avoid a trainwreck but it seems PHH would rather I jump the tracks and explode in a ball of flames before they will even entertain a modification.
    Their customer service sucks……..its the worst. Outfits like PHH are the places our government needs to go after.

    • Justmefromminnesota said

      Jim, yes, it is very sad that they will only help when you are 3-4 months behind. To them, if you are current, you don’t need help. If it has been a few months since you tried to get a modification, I would try again. In your heardship letter did you let them know about your cut in pay? Best of luck to you!

  21. Janice Carson said

    1Q-2007 – Preapproved for mtg, 1,480 / month; at closing was forced to close for a total of $2,500 / month (which includes an astonishing $600/month for PMI). 2Q-2007 – Tried numerous times via PHH and Lender to fix this obvious rip off. 3Q-2007 – Economy collapses, pay drops by 20%, still no give on the obsurd PMI. 1Q-2008 – Continue attempts to get someone to help with PMI, no luck. 2Q-2009 – Attempt to refi failed due to 3 day late pmt. 3Q-2009 – Still no luck, foreclosure notice received. 1Q-2010 – Family of 7 will likely loose their home. Thanks PHH, we just needed PMI reduced a little.

  22. melbeckers said

    I applied for assistance via telephone in September 2008. At that time I was behind 2 payments. I was told that once my application was received I would be asked to cut expenses and get a second job. I was also asked when I could make my next payment. I stated October 2008. My packet arrived, I filled it out and sent it in. I then sent in my normal mortgage payment to be received on-time for October. I immediately dumped unnecessary excpenses, dropped out of my degree program at a local college and got a second job. They sent my mortgage payment back with a letter that stated they needed 2 payments to bring me up-to-date. I called and asked them why they would set me up for failure when by the time I had 2 payments saved, they would want 3. In November 2008, I sent in my October AND November payments. I received them both back with a letter stating they needed 3 payments to bring me up-to-date.

    Fast-forward to February 2010: I applied in January 2010 (for the 4th time)for assistance. They sent me a modification packet a few weeks ago and wanted to add an additional $26,000 to my loan amount. I reminded them that they would not need to add attorneys fees and unpaid interest to this amount had they simply dealt with my application in October 2008 and that I was not willing to sign at this amount. They have now forwarded my file to their short sale department.

    I have letters drafted and ready to send to my members of Congress. I will also be looking into a complaint with the FTC.

    Finding this website has been a huge help. Thanks to everyone who has added their posts here!

    • melbeckers said

      An update:

      The most recent Sheriff’s sale date was set for February 26, 2010. In my last post, PHH was forwarding my file to their short sale department. On March 4th, a note was left on my door asking me to call a company called “Showcase” to confirm occupancy. I called and was told they were keeping an eye on the property for Fannie Mae. I then called the Sheriff’s office who said that PHH had bought my house at the foreclosure sale on 2/26.

      A week after finding out that my house had indeed been foreclosed on, I received a call from a company called “Cardis.” They told me they were short sale experts and had been hired by PHH to market the short sale. I asked them if they were aware the Sheriff’s sale had already taken place. They were not. I told them I was not surprised since this is how PHH operates – very poor communication. They still sent out a Realtor to do a market analysis. I asked him if he had been told it was a foreclosure. He had not been told that. I never heard from either Cardis or the Realtor again.

      I sent letters to my Congresswoman, Senators, Governor, Attorney General of MN and NJ. I have heard back from all of them – some more helpful than others. The Attorney Generals office said they could mediate for me but at this point I would gain nothing. I contacted an attorney who said I could sue to try and get answers but that might not even answer my questions either. He told me that PHH is just too big and they don’t care about one little mortgage.

      I filed a complaint with the FTC but I am considering filing another one. I also found an online petition in case anyone wants to join in: http://www.thepetitionsite.com/1/stop-PHH-Mortgage

      A few days ago I received a call from a company called “SSI, Inc.” They are auditing my loan application to make sure it was processed with the information I provided and that nothing was added after the fact. I gave them the information they were looking for but I may call them back to see what info I can get out of them to help me.

      I am going to exhaust every avenue I have to complain against this company. They should not be allowed to do this to anyone again.

  23. Jennifer McLelland said

    I wish I had done my research before going with PHH Mortgage services. I don’t feel like rehashing the whole ordeal, but it was nothing but a nightmare. And now 2 months after closing, I find out my home owners insurance was not set up in escrow like I stipulated and I have to come up with $1200 within two weeks or my coverage will be canceled. I tried contacting them and was on a hold on and off for a total of 1 hr and 57 minutes. I talked to 4 different people and was given a non-working contact number for an insurance specialist.

  24. Kim Gardner said

    I originally requested a loan modification back in October of 2009. I have pages of notes with names of people at PHH that I spoke with. Each time I have called I get a different story….they received my documentation, then they didn’t, need another form filled out blah blah blah. Always on the phone for over an hour just waiting to speak with someone. I just received a call from a woman who lives in Texas who also has tried to get a modification. They sent her paperwork with MY information contained in the package! I’m so outraged! I also was told last week by a “supervisor” that she would definitely get back with me but I have not heard from her. She gave me a phone number with an extension & said I could call her directly. I’ve tried the number several times but it just rings forever! I’m so fed up with this company!

  25. anita said

    Nope no resolution here — I wrote my story end here end of Feb 2010.

  26. Stephen Ford said

    I am just now realizing how bad of a company PHH really is! I just received my letter of Intention to Foreclose from them and my only intention is to ignore it – for now. I COMPLETED the HAMP program in Jan 2010 and had my payments lowered to $225 a month (originally $875). I had the final contract for the modification and was finished with the program! Until mid-March I received a letter saying I was rejected by reason of NPV value. Of course my request to see the inputs has come up with nothing and now a month later I am supposedly out of the HAMP program and all because I was making reduced payments on the trial period for 6 months (at $666) and two $225 payments, I am now in default on my mortgage by $3,766!!!! I do not intend to pay any of this and will continue to fight for my HAMP approval. I have been unemployed for over a year and barely scrape by each month. If my mortgage foes back up to its original payment I will never be able to afford it. I now also believe that PHH has no intention to approve the HAMP program!

  27. Pradeep said

    Started a re-financing with phh mortgage. Worst customer service from this one guy. I have been their customer for 10 years and had a very good experience with them. Unfortunately…this time my experience has been like getting my tooth pulled. They ask for documents again and again. My lock period expired without as much of a acknowledgement from them as to what is going on. Finally fed up I applied for a mortgage from another company…

  28. My horrible experience as a realtor trying to make a short sale contract work to save the sellers credit from foreclosure:

    1.Was assigned to an employee of the bank, Gary Asuncion, who returned 1 call and 1 email to me. He fell off the face of the earth, then learned he was no longer an employee of the bank. Was never notified.

    2.Feb. 15th, Cynthia Jones, supervisor from the call center told us we had 4 months until foreclosure on our hot listing. I used my pricing strategy based on what I thought was this fact.

    3. Foreclosure sale date was established in April (what happened to June 15th?)
    First extension offered until May 17th by going to the court house and proving we had numerous showings and interest in the property.

    4.Received good offer on property April 14th. Was told that day by call center that we are now pulled “out of the foreclosure” pile, and to follow up 5 days before established sale date of May 17th to make sure. Followed up May 12th (5 days prior as instructed), then advised to call back 2 days later, that I should have called 2 weeks ago, not 5 days ago. Was advised that if I got this information, to hang up and call another bank rep to tell me something better. Reps were inconsistent and outright lied to us. Then advised Friday that the HUD was missing. Had it to them within the hour.

    5. On foreclosure sale date, was transferred to 7 different bank reps, including 1 supervisor. Asked for the supervisor’s supervisor who was not in the building. Called the attorney, Shapiro and Ingle, explaining that we were never assigned a negotiator to be able to negotiate the excellent offer on the property. I also knew the buyers were going to come up on the offer price but wanted to negotiate with the bank.

    6. PHH foreclosed on the property. Taking it back at $436,979.58. My offer was $460,000 with only 4% real estate commissions paid out. Again, the buyer was going to come in higher, but we couldn’t get a negotiator assigned as promised within 30 to 60 days of April 14th.

    PHH did not do what was right to the advantage of the home owner who did everything he could to get the mortgage paid back. Within 30 days of what would have been a successful transaction in this horrible real estate market, PHH took the property back. Ridiculous. They will get less money now and the homeowners credit now has a foreclosure rather than a short sale.

    • Shakingmyhead said

      reading so much of PHH and I can only shake my head.
      For FHA insured loans-PHH benefits from the property foreclosing because its insured and FHA will pay them. Once the property is foreclosed on- they can resell it and the cycle will just continue.

      I know not everyone will qualify for this- but for those who can doing a FHA streamline refi with a different company (PHH will also streamline their own loans with a lower rate- can you believe it) might be another option.

  29. vito said

    Beware of mortgages with PHH, at first you will be approved, given the run around, and then denied at the appraisal. You will be told “I’m sorry there is nothing I can do for you, by they way we are charging you $450.00 have a nice day”. They know at the get go that your mortgage will be denied, but will be making $450.00 off of you. Simply a money making scam.

  30. David Youngblood said

    Everybody needs to call the Federal Trade Commission to get them Investigared before anything will be done.
    1-888-995-HOPE

    • St Clair said

      Where did you get this information from?
      We all need to contact one place so we can be heard! I want to close this company down! I contacted the FBI and they basically told me that we all need to contact the FBI and file a complaint. If they get enough complaints, they will investigate. In Michigan, I spoke with a kind gentleman named Rusty. I don’t know if that is his real name, but I am documented that they sat down with me to discuss this. We just need others to call it in, make an appointment if possible. My complaint was about FORGERY, so check out your COUNTY RECORDS! I am sure I am not the only one who caught this… PLEASE INFORM ANYONE WHO MAY BE POSSIBLY LOSING THEIR HOME… CHECK OUT THE COUNTY RECORDS AND BE SURE IT ALL MAKES SENSE. I HAVE CAUGHT PHH FORGING OTHER DOCUMENTS THAT HAVE BEEN RECORDED.

  31. Kim said

    I filed a complaint with the FTC several months ago, but haven’t heard anything on this. After not hearing from PHH for several months, I received a letter requesting additional documentation for a modification. I’m really skeptical about even sending any more information. Has anyone had luck actually being approved for a modification?

    • St Clair said

      Yes, they did a loan mod for me. Once I signed and notarized, I mailed it back. I was so upset that they charged me so much money which included atty fees. On the loan mod, the first page, it stated the name of PHH MORTGAGE, NOT PHH MORTGAGE SERVICERS as holding the note. I thought that was sneaky. Did they turn into a mortage company or are they the servicers.

      Months later, I wanted to see if they record it within the County Records. Oh, they did, but they changed the name PHH MORTGAGE TO HSBC! They also changed other information, but they left the page that I signed, so it shows that I signed that document. That is a form of forgery! The State of Michigan said they don’t regulate loan modifications so that cant do anything!

      I contacted the FBI and they claimed it was fraud. But, because nobody has filed a complaint about them but me, they cant do anything. So, I say that we all contact the FBI and then post it here so we all know who filed a complaint. If we get enough to do this, we may have a fighting chance to close them down!

      This is not the only thing I have caught them doing but the forgery is enough to go after them. I am also writing to Candice Miller, our US Rep. Maybe everyone should focus on one person than individually going to our state level. The Comptroller office may help as well. We should all decide a plan though.

      • Shakingmyhead said

        may be too little too late- but is there a way to initial all the pages you sign to prevent them from changing things? I have not gone through the process so I dont know the paper work process but Ive heard more than one person say documents were forged/changed/

  32. Rich said

    No luck here, Kim. I sincerely think there are no modifications, period, although they play it up to make it seem like they exist. After 10 months and two package submittals in 2009, I was first told I didn’t make enough. After amending the figures after my wife got a job, they denied my request, citing that I was “current”. WTF. Renard Foxworth urged me to pursue a short sale. That’s the other game. There aren’t any of those either- the end game is foreclosure, after enough time when they can tack on as many fees as they can. PHH is rotten and godless.

  33. Martha Vermuth said

    Dear Lord –

    have mercy on those whose mortgage is/was with PHH, including mine.

    They actually told me my packet was under review on April 26th but had foreclosed on April 3rd, without my knowledge.

    I am in litigation.

  34. Heather said

    I have been researching PHH in hopes of digging as much dirt on them as possible to pursue legal action against them.
    Our story is like many of yours, and I hate to tell you this, but they will not modify your loan. They WILL give you the run around, conveniently “not receive” or “lose” all of your faxed and mailed documents to them. You will spend valuable hours on hold, only to be told “it is still in process, call back next week…Don’t worry.” You will mail, remail, fax and refax all important documents. Sound familliar? We actually have letters saying our case is in the “final stages of review” only to get a knock on the door from the Sheriff with a sale notice. Even then, PHH kept giving us the run around. It was only when my husband told them “we are out of time. We need an answer NOW” that PHH came up with a decision. They knew all along. They will run you out of time, by offering false hope and promises. They DO want your home. They must get paid some insurance on it or something. I am not sure why, but they are Hell bent on screwing people out of their homes.
    Our interest rate was 8.9% when the going rate was 6%. We only got that loan b/c of a relocation, and we still owned another property. It was only supposed to be temporary. We had good credit at the time. Between an “error” made by PHH, half of our home flooding (Iowa floods remember), and getting scammed by a modification scam (probably hired by PHH), we needed a modification.
    They are liars, cheats, and theives. I am interested in getting justice, and I believe we will.
    If there are any marches, demonstrations, congressional hearings, law suits, or bad press, please let me know. I would love to do my part to shine the light on these roaches.
    We were the all American family that had a difficult situation. We would have been able to get back on our feet and save our home, and our credit if not for PHH’s lies and deception.
    I would like to know PHH’s rate of Foreclosure versus other Banks. Not to mention their interest rates versus other banks.
    Please let me know of any progress you have made in bringing PHH down.
    Good luck and God bless you.

    • Shakingmyhead said

      For FHA insured loans-PHH benefits from the property foreclosing because its insured and FHA will pay them. Once the property is foreclosed on- they can resell it and the cycle will just continue.

  35. Michelle said

    In reading through the various comments I see here, it appears that the mortgage company my husband and I have been fighting with for 10 months now is doing the same thing as PHH Mortgage. Same tactics, same information, same lack of help. It’s all a big joke!!

    • ST CLAIR said

      I am working on my letter and documents as I actually have an appointment with an attorney in the morning. I am going to bring this web site to her attention. If she thinks I have a good case, possible we can do a class act… Also, if she can’t help, then all of my papers and letters will be sent to Our US Rep, Congresswoman Canidce Miller. I am not going to stop seeking justice! I will post the results of my appointment tomorrow..

      • Bob said

        I have significant evidence of fraud and forgery involving PHH Mortgage and would like to exchange information with others. I am becoming additionally uncomfortable with the situation because despite having very compelling physical evidence of fraud I continue to find law enforcement agencies unwilling to investigate.

      • dawn said

        Did you get anywhere with the lawyer? I have been having the same problem for the past 2 years.

  36. Epiph said

    Here is the most recent contact information for PHH. I am calling Ms. McCallison, directly, EVERYDAY until they process my request to lower my interest rate on my mortgage. For several months, they have ignored my emails, faxes, and phone calls.

    PHH Mortgage Corporation Names William Steinmetz Senior Vice President, Fulfillment Operations
    Written by TradersHuddle Staff
    Tuesday, 10 August 2010 13:57
    MT. LAUREL, N.J.-( Business Wire )-
    PHH Mortgage Corporation (“PHH Mortgage”), a wholly owned subsidiary of PHH Corporation (NYSE: “PHH”), today announced that it has named William J. Steinmetz Senior Vice President, Fulfillment Operations. In this new position, Steinmetz will assume responsibility for managing all aspects of loan processing, underwriting operations and loan closing activities. He will report to Luke Hayden, President of PHH Mortgage.

    Steinmetz joins PHH Mortgage from Aurora Bank in St. Louis, MO, where as Senior Vice President of Operations, he managed all Retail Loan Operations. Over a 20-year career with JP Morgan Chase, Steinmetz held a number of senior operations positions, including Retail Loan Operations for Chase Home Finance, Retail Operations for Washington Mutual and Wholesale Correspondent Operations for Chase Home Finance. He began his career at New York Guardian Mortgage.

    “Over the course of his career, Bill has demonstrated an exceptional ability to improve processes, lower costs, and grow both revenues and profits,” said Hayden. “His operations management experience will be invaluable to us – particularly as we expand our Wholesale and Correspondent Lending channel and add new private label clients.”

    Steinmetz received a bachelor of arts degree in economics from the University of New York at Stony Brook.

    About PHH Mortgage Corporation

    PHH Mortgage Corporation, a subsidiary of PHH Corporation (NYSE:PHH) is a private label outsourcing company that provides cost-effective mortgage solutions for financial institutions, real estate brokers, and government agencies. The company provides full-service capabilities for originating, processing, closing and servicing mortgage loans. PHH Mortgage has more than 20 years’ experience in providing trusted, credible solutions for clients. For more information about PHH Mortgage, please visit http://www.phhmortgagesolutions.com.

    PHH Mortgage CorporationKaren McCallson, 856-917-8679

    http://www.tradershuddle.com/2010081064584/Press-Releases/PHH-Mortgage-Corporation-Names-William-Steinmetz-Senior-Vice-President-Fulfillment-Operations.html

  37. Lauren Scott said

    These people are the most horrible, greedy, frustrating lot I have ever come across. They ruined my Husband’s credit which was previously in the 800′s. He is a firefighter for LA City who was commuting 80 miles to work ONE WAY. We had to move closer. Our house on the market for over a year without any bites. Then, he got injured in a fire when a roof collapsed on him. This put him on disability and at home for 6 months, and now he is at a desk job where he lost his 17% paramedic bonus. We applied for a loan mod. Phh granted it to us on a “trial period”. We paid the correct amount they told us to for 6 months, they never said otherwise. Then, they suddenly tell us that our loan mod was denied, and we owe them back payments of about $20,000. We spent countless frustrating hours on the phone, being routed to india and speaking with very unhelpful reps who would refused to transfer us when we asked them to. We have a record of each conversation. THEY WANTED US TO FORECLOSE BECAUSE THE GOVERNMENT GIVES THEM MORE MONEY ON FORECLOSURES THAT LOAN MODS OR SHORTSALES. So, stuck in a house we didn’t want to be in, in an area we didn’t want to be in, we decided to bail. We bought a new house with my family’s help (you need to be able to qualify to make both payments in order to do this) and packed our things in 5 days. Needless to say we stopped making all payments. I now get letters from PHH’s two departments, one of them threatening foreclosure, the other one saying we should apply for a loan mod. We are now in the process of a short sale, this has been going on for about 8 months, with a company called Cartus that PHH Contracted. Today I get a call saying that they want $20,000 (it was $50,000, but they came down) to make up the difference. This is after our buyer has been waiting on his escrow to close for an amount that PHH agreed upon! THAT’S WHAT A SHORT SALE IS!!! THEY “EAT” THE DIFFERENCE!!!! They say they can come after us, even if they just foreclose and the debt is paid off. I’m sorry, but LET THEM! I have soooo much evidence against them! I would rather go to jail than give these people any more money. Class action suit anyone? We are in!!!

    • Sandra Ginsberg said

      Dear Lauren,
      I work for a law firm that specializes in consumer fraud class actions.
      We have been consulted by a client who has problems with PHH that are very similar to the ones described in these complaints. We are interested in knowing what happened in your case. Please contact me at sginsberg@wolfpopper.com
      Thank you

  38. donna said

    Has anyone made any progress with an attorney or with getting a class action suit started? I dont have the knowledge or the money to orchestrate this myself. Everyone has been talking about it, but is anyone doing anything , or, conversely, has anyone tried and been shot down.?

    • ST CLAIR said

      I will be talking with an attorney in the morning. She was looking over all of my documents and will let me know if she will take my case. I told her about this web site.. I hope she checked it out. Somebody has to expose this company!

      • donna said

        good luck be sure and let us know the outcome of your meeting

      • Michelle said

        PLEASE count us in on any class action suit against PHH! Any word on a willing lawyer?

      • St Clair said

        I recently recieved some feedback. The attorney believes I have a good case, I also directed her to look at this website. I also contacted a counselor provided from MSU ext- both have been a great help. Last night was my first good night sleep in 2 1/2 years! In the past, along with others, I tried the Comptrollers office, the State of Mich and they have turned their backs on me. They just put it in a file for the future!

        As soon as I can get this into legal action. I will be taking it to the news and hopefully.. this will expose them and maybe someone will actually listen and act upon it. Too many have lost their homes due to this irresponsible, corrupt, so called servicers!

  39. S Dogood said

    This sounds like the same game that a mortgage company in the midwest played. They lost big time. The FBI is now looking for the balance of the officers to put them behind bars. The web is very complex and some of it deals with funding new houses that never come to being but every body gets paid. Realtors builders and loan officers all get paid. Hmmm

  40. B & D said

    Same situation here – PHH is a joke. You can never get the same person twice, nobody knows anything, and all I get is the run-around.

  41. donna said

    My “modifiction”, as I stated before, consisted of merely adding all unpaid monies along with fees interest ect , to the loan, fixing the rate at almost 8 %, and raising the mortgage to cover their”expensex”. I signed it in Feb of 09. Since then,all payments have been put in a suspension account and the new deed has not been recorded with the town clerk. After compalining to the credit reporting agencies, PHH did change the status from “in foreclosure” and have report me as “paid ad agreed” since Feb. BUT, they also report that the balance on the mortgage is now $0.
    I did get a letter stating that my mortgage would adjust down in October which is when it wouldve adjusted on my 5 year adjustable and gave me a new payment of a few hundred dollars a month less. I know that this was sent by mistake..another example of one hand not knowing what the other is doing there. WHen I was negotiating with them I BEGGED to just let the mortgage adjust as it would normally have this October and they blatently denied me.
    I managed to get an e-mail through to someone asking them what was going on and I got a canned reponse about monies going into a suspense account and being applied within 48 hours of their arrival. Once I responded that monies have been suspended since I started to repay last year,and when were they going to file the deed, ( I want to be sure they didnt change anything on the copy of the agreement that I signed as I have read here that they like to do that and have done to others on this site, well, that was the last I heard from them. Im afraid that they are so crooked that they will keep all those payments of $2402.00 monthly that Ive been sending them, “Lose” (read”keep or steal”) them, and throw me out on my butt anyway. I have never felt anthing like this before..it is pure hatred,I think.

  42. Gwen said

    Everything on this site sounds too familiar. We have been trying to do a short sale since Feb. 2010. Sent our original paperwork fedex signature required. They got it, but when I called them they said they didn’t. I told them who signed for it and what date. Like a miracle, they all of a sudden said they did have it. It was in the wrong department.
    Called again for an update in April, we had by then lost our buyer for the short sale. Nothing new except for the forclosure letter they sent us.
    Called every week. One week they have our paperwork and the next they don’t. I faxed it to them everyday for a week straight and now after months they say they have it.
    Our forclosure was scheduled for Sept 21st. I had to call their lawyer to see if it was postponed as I couldn’t get an answer from PHH. Now they say the paperwork has been escalated. What a joke. I’m sure will deny us in the end and foreclose. We now live in my daughters garage. My husband is disabled and I have reccuring brain tumors that I have removed yearly. Our short sale offer is only $7000.00 under what we owe, but I haven’t heard of anyone completing a short sale with PHH. I too would like to see a class action suit started against them.

  43. Paul said

    I have been a Merrill-Lynch customer for over 30 years. I moved to Atlanta for a new job in 2001 and in 2002, I went through M-L and then to PHH Mortgage to finance two town homes I was attempting to buy. PHH assured me everything was OK then at the last minute, they said the property didn’t meet the Freddie Mac guidelines for homeowner occupancy. I went back to the developer and got my financing through another source on the next day.
    Early in 2009, I refinanced my home through this M-L/PHH link and remember telling them, “Well, you have one strike against you, but let’s go with it.” So far, so good.
    But early this year, I decided to refinance the original two properties that PHH had said “No thank you” to in 2002, in order to improve my cash flow. My credit rating is in the 800s, so that wasn’t a problem. Being wary, I queried them in advance and they said, “No problem, faithful M-L customer.” Again, I got the intial OK, had an appraisal done, and everything was going fine until PHH said, “We don’t like the homeowners association.”
    I went to the management company and they said nothing was wrong, so I then had to start the tedious process of refinancing all over again. Even with an appraisal that came out $20,000 less than the PHH Mortgage effort, I did manage to get refinancing through CitiMortgage at a good rate for income property.
    But I was so upset with this M-L/PHH Mortgage link, all owned now by Bank of America, that I also pulled my home loan away from PHH Mortgage, refinancing at for 15 years at a decent rate.
    I want my comments to remain professional, not personal, but I do have to say that I was highly disappointed by all of these events, so am taking steps to divest myself of any financial relationship with this cabal. Whoever said getting credit was easy hasn’t tried this route.

    • donna said

      Am I to understand that Phh is now owned by Bank of AMerica?Or am I misunderstanding . Please elaborate

      • Kimberley said

        If you all could keep me in the loop about this, I would greatly appreciate it. Everything sounds like exactly what I went through. I was foreclosed on in April, 2009. I know I can’t get my home back, but I would love to hear that those greedy PHH Mortgage jerks finally get what they deserve for putting my son and I through so much. Thanks and I wish you all luck.

  44. Kimberley said

    If you all could keep me in the loop about this, I would greatly appreciate it. I went through the same thing everyone else did on this page, and was foreclosed on in April, 2009. I know I can’t get my home back, but would love to hear those greedy PHH Mortgage jerks pay for the pain they caused me and my son. Thanks so much and good luck to you all.

  45. Tara said

    Wow im so happy to know im not the only one going through this with them. I have been going around and around for what will be 2 years in febuary. I now have the sheriff delivering court papers, and PHH tells me to ignor them!! i think my house is being taken right out from under me! I am finacially able to make even my origional payments but they will not except them. I have sent my packet in probably 10 times now! but like the rest of you, i dont here from them for 3 monthes then they just tell me to send the packet again. I have now scanned it all and keep emailing the same email every 3 monthes because they obviously dont touch the info. they sware its not a scam and have had lots of successfull people go through the program, and that my paper work all looks great! My last email I promised who ever opened it that if they would push my paper work through I would send them a check to their home! and that if something didnt happen i was contacting a lawyer…no responce.

  46. Rodney said

    Tara,

    We are going through the same thing you are with PHH. DO NOT IGNORE THE COURT PAPERS OR THE BANK WILL OWN YOUR HOME!!!!!GO SEE A LAWYER!!!!THERE IS A TIME LINE IN WHICH YOU NEED TO RESPOND TO COURT DOCUMENTS!!!!IF YOU DO NOT RESPOND, YOU LOOSE!!!!!We have had to hire a lawyer, since we hired the lawyer PHH just sent us their lawyer’s name and phone number they hired in our state. Maybe we will at least get our say in Court……..

  47. Chris Shumaker said

    I am having some of the same issues… I have completed loan modification documents from PHH Mortgage three different times in the past year. During this time I have been receiving foreclosure notices even when I am doing everything that PHH instructs me to do. Each time I have been told that I am “APPROVED” for the modification, and I begin to make my payments. Within three months I always get a letter telling me that I have been denied for the modification. I just completed another modification on August 1st 2010, and have just began to make my payments as scheduled on September 1st, 2010. I was in disbelief when I received a letter from the courts telling me that my home was being sold due to foreclosure on October 12th, 2010 to the highest cash bidder. I have been on the phone with PHH each month regarding these letters, and they keep reassuring me that it is a mistake, and it will be taken care of. Needless to say… I have hired an attorney, and have EVERY document that they have sent me that proves that I have been approved for their modifications. My attorney says that I have a very strong case against them, but unfortunately I will have to allow the home to foreclose before I can do anything about it!! PHH IS THE WORST COMPANY I HAVE EVER SEEN! Has anyone else noticed that they give you a bogus extention number to return calls to the same person?? I have never spoke to the same person on the phone, and my phone bill shows over 32 hours that I have logged trying to speak to them about this situation.

    – Chris Shumaker – Riverview, Florida

  48. Amy Graves said

    I believe that PHH Mortgage is engaging in fraudulent and corrupt business practices. It has been reported to me by a couple of different sources that this Fannie Mae bank is intentionally dragging out the modification processes to distressed homeowners with myself included so they can foreclose on the properties and turn around and resell them at a later time to make a profit. This is the heart of the matter. It’s just business and they are financially incentivised now to foreclose on as many properties as possible. They drag out the “so called” HAMP or modification process so long that they destroy the homeowner’s credit and make it impossible for the distressed homeowners to be able to go to another bank to refinance the loan and it sets us up to be foreclosed on with little or no opportunities to remedy the situation. They have a fairly consistent track record with the same patterns of behavior with many distressed homeowners- denying HAMP and modifications for as long as possible and for very minor reasons such as missing or lost papers that are of course lost on their end. This is a deceptive business practice and this bank and other banks that are doing the same need to be exposed as much as possible to make more people aware. People need to write their congressmen. There also needs to be exposure about this in media and blogs. And hopefully there will be some law firms stepping up to the plate for potential class action law suits. This company has TARP funds that have not been accounted for and they’re using the funds to buy up other companies and build up their profits instead of proving the funds for the homeowners in need because they’re a profit making bank.

  49. Jerzy said

    Dear PHH victims:

    You are just sharing information’s about PHH rip off practice. I am going to send a complaining letter about there rip-off practice to my local congressman Darell Issa, Sacramento Assemblyman, and radio local news. I will repeat my letter every two weeks.
    Persistence is the key to brake there “neck”
    If you agree with me please take similar action.

  50. Chris Shumaker said

    Hey everyone,

    I posted to this blog just yesterday about some of the exact same issues that everyone else has had with PHH. I wanted to share something that I found out today… I am a real estate broker associate here in Florida, and I spoke to an attorney regarding my situation with PHH. The attorney said to contact “The Comptroller Of The Currency” in Washington DC. This is the organization that overlooks the National banks, and makes sure that they do things in a proper way. I filed a complaint today online, and it will automaticall send you a case number. They will contact the bank on your behalf within 48 hours to remedy the situation. Here is the link to the Comtroller of The Currency:

    http://www.occ.treas.gov/

    Comptroller of The Currency

  51. Bruce Goyette said

    PHH.. they have just been the most useless and unprofession company I have ever delt with. It has has been 13 months now since they have received my paper work and still no action on my loan. I thought it would be easier than it has been since the goverment was in volved…but not so.

    • Michelle said

      Oh I can predict what “action” they will take depending what you are trying to do; modification or apply for HAMP. They will request more of the SAME paperwork (maybe a few times!)they will force you to be on hold for 20-30 min. if you try to contact them, they will lead you along and string things out for months; all the while they have started the foreclosure process, then when you run out of options they will have your property. Robber Barons.
      What everyone needs to do is draft two complaints: One full text version with all the facts and one abbreviated version of 100 characters or less then SUBMIT COMPLAINTS everywhere: BBB, your state’s attorney generals office, the FTC, the FBI, your congressmenand women, your local news media,

    • sam said

      Go to my facebook page PHH complaints. I want to get as many as I can.

  52. Jerzy said

    Philadelphia Inquirer newsletter said:

    PHH unit says, after review, it won’t halt foreclosures

    The mortgage subsidiary of PHH Corp. in Mount Laurel said today that it is not joining the ranks of lenders halting foreclosures because of shortcuts in the legal process.

    The company “has completed a comprehensive review of its foreclosure procedures. Based on this review, PHH Mortgage has not halted foreclosures in any states and has no plans to initiate a foreclosure moratorium,” PHH president and chief executive Jerry Selitto said in a release.

    PHH was servicing $156 billion in mortgages at the end of June, according its most recent quarterly report. – Harold Brubaker

    Read more: http://www.philly.com/philly/business/homepage/20101014_PHH_unit_says__after_review__it_wont_halt_foreclosures.html#ixzz12T1p7Scj

  53. whitewolfvt said

    http://www.phillyburbs.com/news/news_details/article/62/2010/october/15/phh-to-continue-with-foreclosures-1.html

    Check out the above link. We have been trying to get a modification also for over a year. Quite a bit of what has been said on here, we have gone through. On hold for over and hour, getting the “we will expedite your file / call back in a couple of weeks” lines, ruining our credit by saying that we are currently in foreclosure when we have court documents saying it was dismissed (for now…and what an ordeal getting that was!)….and the list goes on and on and on. I am calling an attorney on Monday who also happens to be a state representative. I am hoping to get a case going against them. I can probably get paperwork from my doctors on the effect of all of this crap on my disability.
    BTW….what is up on here??? Not many updates since 2009?

    • CM said

      If you would like to update this blog, please let me know. My home foreclosed a year ago and I don’t have to energy to continue being mad at the mortgage industry, I have had to move on. Send an email to stopPHH@aol.com if you are interested.

  54. This company PHH is a total scam. They have been “working” on my loan remodification for 10 months now and are about to put my house up for foreclosure. DO NOT TRUST PHH. THEY ARE SCAM ARTISTS!

    -JB

  55. Dave said

    I have reviewed a number of the posts and am not defending the mortgage lender industry by what I say but voicing my opinion and my experience with the loan affordable home modification program. We have been in the program for 18 months. We got to the point of making first trial period payment and have just made our 12th trial payment. All payments have been made on time. The trial period payment was to include escow allowance for taxes and insurance. We had to go into our account on the internet to find out the status. Yes it’s there and we have been told verbally they will pay it and reemburse us for the home insurance when the modification is approved. Well I’ve been told our modification has been approved but I’ve been told so many deceptive and flat out lies statements, who knows what’s true and what is not.
    Last week I contacted a consumer protection group and we had a conference call with PHH which appears to have trigger a response but a negative one. Yesterday we recieved (2) letters. From InstaMortgage thanking us for our application and one from PHH “Notice of Incomplete Application For Home Owners Assistance” Requesting all the info as if we were starting over.
    The program as written leaves the door wide open for deceptive behavior from our lenders and legal action appears to be doubtful. Basically, we have been set up for failure and it’s still all about money for those who already have it, it’s not moral, ethical or the right thing to do. Ive emailed the Goveror and the White House with the only response comming from the Govenor’s office which was an automated email thanking me for my comment. Sounds like we are kinda in the same boat, some starboard, some port, some fore and some aft but we are all sinking together and with no lifejackets. Good luck!

  56. S. Anthony said

    PHH is a joke of a mortgage company. We aren’t in foreclosure, matter of fact I’m current. The problem is we had $32k worth of damage done to our house that is NOT covered by insurance (Long Story).

    We want to do the right thing, we want to fix our house. It’s going to take nearly a year of us scrimping and saving to do so. Right now we needed a small chunk to have the yard dug out and the plumbing fixed for the sewer line leak that started it all.

    I called them trying to see if there was a forberance or anything of the sort we qualified for. Their idea of forbearance is 1 month, and you pay it back over 6. That doesn’t help me much since it’s only 600.00 I would retain.

    The HAMP offering is a joke. It takes 6 months at least to process, when I need help NOW. They also said they cannot guarantee that there won;t be foreclosure proceedings if I go into HAMP? What? Really?

    So I told them that I have the option right now of foreclosing, they can have the house and the 32k in damage, file bankruptcy since I’m qualified and I would be judgement proof. But I guess since my mortgage is backed by the VA that they really don;t care since they will get paid regardless.

    What can we do to put clowns like this (and others) on the hook so that they are actually interested in trying to help people, instead of being part of the larger problem and hurting the industry and helping themselves.

  57. selble73 said

    Hi everyone.. it was such a relief finding this site.

    I am inquiring on behalf of my boyfriend Joe. We live on the East coast and he has applied for a loan mod. Right now he is working with a consumer advocate who is working on a very large complaint against PHH. I’ve researched online for the past few weeks and have been simply appalled at the apparent fraud that is this company. He has experienced the same delays, hangups, long hours on the phone, rude behavior, countless re-submitting of documents, etc etc as I am sure everyone has experienced as well. He was like others assured that a loan mod was in his best interest but they wont even allow him to make any payments and only decided to after he of course missed payments. Its been 6 months now and still no word and 2 weeks ago he received foreclosure papers. His advocate has fallen sick and is slowly coming back but the delay in sending out the huge complaint has him in a constant state of anxiety, frustration, sickness and depression. I’ve forwarded him everyone’s complaints here as well as this website to then be forwarded to his advocate. In hopes of helping. His advocate has worked on loan mods before and has never seen in 5 years something like this. He thinks someone put a bad spell on him because how can you not think it.

    His advocate, said reading everyone’s complaints his helpful but is weary. She thinks it better that we all personally reach out of course first through here and since we’re all looking for justice – that many of yous can be available to be contacted by phone or email so everyone can get closer to this and talk to each other. She hasn’t mentioned getting a lawyer just yet but from what I’ve read here so far..I think its a good idea. My boyfriend doesnt think he’ll get a mod anyway and even if he did, he’s going to still be trying to fight to stop any foreclosure notices. He wants to take them to court.

    I wanted to put it out there if there is anyone here who is currently in the midst of suing or is thinking about it- that you can be able to provide your email and numbers of course through the email- to be able to contact each other personally..so we can all collectively help each other outside from here. Sometimes it gives our advocates or lawyers more confidence if they can connect with others personally. I put this out there from a sincere and honest place to not only help us but help all of us.

    If anyone is interested in this please email me at sgilotusflower73@gmail.com
    My name is Selly and my bf Joe and I live in Mount Vernon, NY.
    If you like to share your problems or if u have any solutions or if you can be available to talk to my bf or his advocate- anything would be greatly appreciated and of course- if you have a pending case- would be returned to you.

    Thank you so much and good luck!

  58. claude said

    I applied for the HAMP (Loan Mod Program) program about a year ago with PHH and today I received a “Forbearance Plan” from PHH. The Forbearance Plan begins on the 12/1/10 until 3/1/2011.

    It states that “After all Forbearance payments are timely made and you have submitted all the required documents, your mortgage would then be permanently modified. (Your existing loan and loan requirements remain in effect and unchanged during the trial period)

    After reading the various posts here, I am very concerned if they are going to modify my loan.

    Is there anyone on this forum that know anyone who has had a Successful loan modification with PHH?

    • sam said

      I started a facebook page PHH complaints. I want to get as many people that have had problems with them to goto his page so I can take and send this page to every media outlet and to every public officials.

      • Kathie said

        I can tell you now-no you won’t get a loan mod from PHH!They drag & drag so it makes it worse because as time goes by it’s not on your side!They do this purposely!PHH won’t work with you,they won’t give you a mod!What they will do is try every trick in the book,lie,and then take your house away from you as they did with me!I applaud anyone who is willing to take them to court!I am trying to get people to do that!Too many of us have either gone through hell unnecesarily or have had their homes taken away from them all due to PHH’s deceit!I am trying to get people to start a class action law suit!Would your advocate might care to be in on this?

  59. Jerzy said

    Dear PHH victims.

    Send your detailed complaints to:
    - Your Honorable President Barack Obama
    - Your Honorable Governor
    - Your Honorable Congressman
    - Your Honorable State Assemblyman
    - Local FBI office
    - BBB of New Jersey
    1700 Whitehorse Hamilton Square Road
    Trenton, NJ 08690-3596
    (609)588-0808
    - President& Chief Executive Officer PHH Mortgage
    Joseph Suter (recent replacement for Jerry Sallito)

    BE PERSIST DEMENDING INVESTIGATION. Only massive complaints will get appropriate action.
    Best Regards:

    Jerzy

    • St Clair said

      Jerzy,
      I can assure you that most of us have already did the majority of what you listed. In fact, I could add on to this list of deaf ears.

      After almost 3 years, I finally found an attorney who actually HEARD me when I explained my experiences with PHH. I already directed her to this site, if she wants to confirm every thing I have said, as we have all experienced the same form of abuse!

      Once I file my suit, I hope that I can get the media to print my story. THEN, maybe someone will check out this site and actually HELP US.

      • scott and kim said

        Have you had any luck on this yet?

      • selble73 said

        3 years St. Clair? wow!

        Im in a similar situation St. Clair…I was wondering since you said you got a attorney. Is there anyway you can share that attorney’s name. I already posted my story and asked anyone how they went about filing a lawsuit..steps taken any info..we already filed a complaint. If you dont want to disclose that info here please email me privately at sgilotusflower73@gmail.com

        Any help would be appreciated it.
        My name is Selly
        Thank you

  60. ron said

    It’s the squeaky wheel that gets the grease

  61. Robert said

    I sent my complaint to BBB in NJ.They suggest to contact state agency appropriate for that issue.

    STATE DEPARTMENT of BANKING
    20 West State Street CN-040
    Tranton NJ 08625
    609 292-5360
    http://www.njdobi.org

    I sent my request with all documentation asking to investigate PHH operation.
    Please use that address to express your concern and describe all problems.

  62. Julie Nunez said

    Shady company. Shady “help”, incorrect addresses that led to late payments, miraculous change of due dates for “slap-in-the face” type of modifications. Inconsistent information between departments, lost paperwork, continuous transferring of calls. This company is SHADY. PERIOD.

  63. Kelly said

    PHH are a bunch of crooks! We had a loan modification last year. We have been making our payments every month. I called to make our October payment and they said we owed 4 months and that we had an “intent to foreclose” letter. We never got the letter. Anywho, we have tried to get help with the past due amount and finally got lucky and are approved through the county to pay the back payments of 3400 dollars. We did a 3 way call to let PHH know that the County in Minnesota will be issuing a check today and the guy from PHH said the intent to foreclose expired yesterday and they might still send it to there attorney. The lady from the County was in complete shock and never dealt with such a horrible mortgage company before. The lady that is paying our past due said they were issuing the check TODAY and they should get it in about 7 days. PHH said if they send it to the attorney before they get the check, they will mail the check back to the county. THE COUNTY IS PAYING OUR FRICKEN PAST DUE AND PHH STILL ARE PRICKS! The County worker said she was faxing them (today) a form saying the check is in the mail and for the amount of 3400 and they still said they can’t stop the foreclosure. OMG, I called the MN attorney general and they are going to get involved as soon as I fax then the details. God help us all!!!

  64. Rodney said

    Our lawyer finally received an answer from PHH. Our original balance was 530000.00 when we went through bankruptcty. PHH said they would modify our loan, NOW WE OWE OVER 630000.00. THE CROOKS ADDED OVER 100000.00 TO OUR BALANCE!!! Why isn’t the government looking into these crooks? PHH can have the house we are done fighting with these people.

  65. Jim said

    Since I last wrote,22-Dec-09 I was turned down for a modification because i’m current on my payments. TG I’ve still got my job. I’m hoping to get enough paid down so I can refi through a respectable outfit. If in deed such as company exists. Seen something on PBS where mortgage companies are foreclosing instead granting modifications because its cheaper. They won’t admit this up front.The government is not doing anything because they’re all in bed with one another and there is no one to represent THE PEOPLE.

  66. Shaltreece & Eric said

    I recently became acquainted with the unethical, ruthless, and dispicable tactics employed by PHH. I came across your contact information while searching for other ways to expose these SOB’s. So far I have emailed, sent a letter, or registered a complaint with the following media outlets, public officials and others:

    Keith Oberman show (MSNBC)

    Rachel Maddow show (MSNBC)

    Better Business Bureau

    Michigan Congressman Mike Rogers

    Michigan Senator Debbie Stabenow

    Cartus Corporation – (they referred us to PHH through my company’s relocation program)

    PHH VP of Public Relations

    PHH On-line Services

    Registered issue on Complaints Board.org

    Joined on-line petition by thepetitionsite.org

    I would like to see examples of previous complaints filed. I think the other action we can take is to tactically approach businesses directly related to PHH to advise them of how PHH is conducting its business. I have never encountered such flagrant mismanagement and poor loan servicing practices in over 15 years of home ownership.

    Following is one of the letters I sent to my local Senator just today:

    November 26, 2010

    Dear Senator Stabenow:

    The purpose of this letter is to expose irregular and unethical business practices routinely imposed upon consumers by PHH Mortgage Services, located at 1 Mortgage Way, Mount Laurel, NJ, 08054. In addition, I am hoping this letter will prompt additional support for resolution of both our and numerous other families’ issues that remain unresolved by PHH Mortgage Services.

    My family and I relocated from West Michigan to the East Lansing area after I accepted a new position with my current employer. PHH Mortgage Services was recommended to us by Cartus Corporation, the company that services our company’s corporate relocation needs. We have had a loan serviced with PHH Mortgage Services since July, 2009.

    In October, 2009, my husband was permanently laid off, and subsequently remained largely unemployed for the next several months. Even though he was able to find a new job, it is still significantly less than what he was making before. As a result, we have fallen behind on several bills including our mortgage, which started back in May, 2010. The good news is that we have been working hard to get back on track, and on November 4, 2010, we acquired the cash needed to bring our mortgage current.

    I called PHH Mortgage Services to make a payment over the phone in the amount of $4,272.82 which in addition to the $44.51 left in a “suspense account” with them, plus two partial payments made via ectronic funds transactions on 10/12/10 for $195 and $752.35 on 10/25/10, would pay for September, October and November.

    I was transferred to a representative who informed me of the following:

    · We would have to pay PHH Mortgage Services $5,835.43 in order to become current which later I figured out equated to:

    · The partial payments made already were going to be rejected by the Cash Management department and returned to me.

    · If I couldn’t remit the entire amount being asked for, I could only make payments equal to an entire month’s payment vs. paying the difference of what they HAD ALREADY RECEIVED and WITHDRAWN FROM OUR BANK ACCOUNT.

    I was shocked because in all other cases before this point, partial payments had been applied to a “suspense account” which funds were held until they met the amount necessary to satisfy a payment due.

    I informed the representative that even though this has never been the case, that if she was sure the Cash Management department would return the $947.35 I’d already paid by11/16/10, I would make the November payment, but had to have that money in order to do this. I then made a payment over the phone for $3,494.95 to cover September and October’s payment.

    Later, I was having trouble reconciling the figures the representative in the Collections department had given me and did some research. That’s when I learned the following:

    · $195 EFT was never posted to our account, suspense or otherwise

    · $752 EFT was also never posted to our account, suspense or otherwise

    · The $5,835.43 included charges currently in dispute (late/other fees)

    · The $5,835.43 included charges that PHH had already received funds for (escrow shortage)

    I waited a few days and called PHH MS again to first resolve the issues stated above. I received the $195 back via a check within the first couple of weeks even though the money never was posted to my account. I have yet to receive resolution of the disputed fees or the $752.35 payment which was posted to the suspense account on 11/18/10; nearly a month later.

    In short, PHH Mortgage Services refused acceptance of the payment we wanted to make in order to bring our account up to date. In addition, we have had to speak with at least 8 customer service representatives and two supervisors, all of whom have given us different information each time we call about the status of our refund; the refund which they forced upon us but have yet to follow through on. We believe this is because PHH wants homeowners to default on their loans so that they can acquire their homes.

    Lastly, following is a list of other items that have compelled us to write this letter in the hopes that PHH Mortgage Services will be forced to stop these practices and held accountable for their actions in some way:

    · PHH Mortgage Services sends customers letters that say a HUD pamphlet and financial worksheet are enclosed when those items are not. I have reported this to PHH Mortgage Services on two separate occasions and the letters are still coming with nothing enclosed.

    · PHH Mortgage Services is misleading customers regarding the accessibility, and availability of help when they need it.

    · Specifically, all refunds, fee-related issues, and other critical consumer needs, are supposedly handled by the PHH Mortgage Services Cash Management department. The letters from PHH Mortgage Services state that representatives from customer service to collections are available from Mon-Thu, 8:30 PM-8:30 PM, and 8:30 PM-5:00 PM Fri & Sat. However, the Cash Management department is only open until 5:00PM each day. This forces all customers with issues to call during the business day to try and get issues resolved which involve interactions with this department.

    · PHH Mortgage Services employs this and other “death-by-delay” tactics to try and frustrate customers into giving up on their issues or claims. Fore example, on three separate occasions when I have called, I am asked to repeat informatin over and over again when there are clearly notes on our account. Then, I am told that there is nothing they can do further because the time was now past 5:00PM and the Cash Management department was closed until the next business day. If it is earlier in the day, the response I get is that no response has been received or a lie that the payment has been processed/sent, or some other falsehood.

    What’s more, PHH Mortgage Services representatives and supervisors claim that this department can only be communicated with via email; that NO PHONE NUMBER OR CONTACT PERSONS EXISTS to expedite a refund or resolve an issue. Instead, we are at the mercy of email correspondance with the Cash Management department. This seems to be the only department that has the authority to get things done, so how are they helping customers with service like this?

    · PHH Mortgage Services intentionally delays mailings to customers by printing send-mail on Fridays. This ensures mail will not go out to customers until the following Monday. As you know, a matter of a few days can be the difference between saving one’s home and losing it to foreclosure.

    Senator Stabenow, I have never written any of our elected officials before now. However, in this delicate time of economic recovery and need for financial reform, average consumers like my husband and I must do something to expose companies like PHH Mortgage Services who prey on unsuspecting families.

    In closing, I urge you to look into the class action law-suit against them in NJ where they are headquartered, conumer websites devoted to exposing PHH Mortgage Services, as well as some of the over 300 complaints filed against them with the BBB in the last 36 months. If you do, I’m sure you will notice a reoccurring trend of customer abuse and inadequate servicing of loans. Thank you for your time and consideration in this matter.

    Sincerely,

    Shaltreece Reddick

    • selble73 said

      Hi Shaltreece, Thank you for posting your complaint. I wanted to know about this class action lawsuit against them in NJ. Has it already started? is there anyway that I can find this online, etc. Thank you!

  67. slreddick said

    I have recently become acquainted with the unethical, ruthless, and dispicable tactics employed by PHH for completely different reasons that could lead to the same result as other victims. I came across your contact information while searching for other ways to expose these crooks. We need to make this company’s fraudulent, unscrupulous activities as public as possible. So far I have emailed, sent a letter, or registered a complaint with the following media outlets, public officials and others:

    Keith Oberman show (MSNBC)
    Rachel Maddow show (MSNBC)
    Better Business Bureau
    Michigan Congressman Mike Rogers
    Michigan Senator Debbie Stabenow
    Cartus Corporation – (they referred us to PHH through my company’s relocation program)
    PHH VP of Public Relations
    PHH On-line Services
    Registered issue on Complaints Board.org
    Joined on-line petition by thepetitionsite.org

    I would like to see examples of previous complaints filed. I think the other action we can take is to tactically approach and/or expose businesses directly related to PHH to advise them of how PHH is conducting its business. I have never encountered such flagrant mismanagement and poor loan servicing practices in over 15 years of home ownership.

    Following is one of the letters I sent to my local Senator just today:
    November 26, 2010

    Dear Senator Stabenow:

    The purpose of this letter is to expose irregular and unethical business practices routinely imposed upon consumers by PHH Mortgage Services, located at 1 Mortgage Way, Mount Laurel, NJ, 08054. In addition, I am hoping this letter will prompt additional support for resolution of both our and numerous other families’ issues that remain unresolved by PHH Mortgage Services.

    My family and I relocated from West Michigan to the East Lansing area after I accepted a new position with my current employer. PHH Mortgage Services was recommended to us by Cartus Corporation, the company that services our company’s corporate relocation needs. We have had a loan serviced with PHH Mortgage Services since July, 2009.

    In October, 2009, my husband was permanently laid off, and subsequently remained largely unemployed for the next several months. Even though he was able to find a new job, it is still significantly less than what he was making before. As a result, we have fallen behind on several bills including our mortgage, which started back in May, 2010. The good news is that we have been working hard to get back on track, and on November 4, 2010, we acquired the cash needed to bring our mortgage current.

    I called PHH Mortgage Services to make a payment over the phone in the amount of $4,272.82 which in addition to the $44.51 left in a “suspense account” with them, plus two partial payments made via ectronic funds transactions on 10/12/10 for $195 and $752.35 on 10/25/10, would pay for September, October and November.

    I was transferred to a representative who informed me of the following:
    • We would have to pay PHH Mortgage Services $5,835.43 in order to become current which later I figured out equated to:

    • The partial payments made already were going to be rejected by the Cash Management department and returned to me.

    • If I couldn’t remit the entire amount being asked for, I could only make payments equal to an entire month’s payment vs. paying the difference of what they HAD ALREADY RECEIVED and WITHDRAWN FROM OUR BANK ACCOUNT.

    I was shocked because in all other cases before this point, partial payments had been applied to a “suspense account” which funds were held until they met the amount necessary to satisfy a payment due.

    I informed the representative that even though this has never been the case, that if she was sure the Cash Management department would return the $947.35 I’d already paid by11/16/10, I would make the November payment, but had to have that money in order to do this. I then made a payment over the phone for $3,494.95 to cover September and October’s payment.

    Later, I was having trouble reconciling the figures the representative in the Collections department had given me and did some research. That’s when I learned the following:

    • $195 EFT was never posted to our account, suspense or otherwise
    • $752 EFT was also never posted to our account, suspense or otherwise
    • The $5,835.43 included charges currently in dispute (late/other fees)
    • The $5,835.43 included charges that PHH had already received funds for (escrow shortage)

    I waited a few days and called PHH MS again to first resolve the issues stated above. I received the $195 back via a check within the first couple of weeks even though the money never was posted to my account. I have yet to receive resolution of the disputed fees or the $752.35 payment which was posted to the suspense account on 11/18/10; nearly a month later.

    In short, PHH Mortgage Services refused acceptance of the payment we wanted to make in order to bring our account up to date. In addition, we have had to speak with at least 8 customer service representatives and two supervisors, all of whom have given us different information each time we call about the status of our refund; the refund which they forced upon us but have yet to follow through on. We believe this is because PHH wants homeowners to default on their loans so that they can acquire their homes.

    Lastly, following is a list of other items that have compelled us to write this letter in the hopes that PHH Mortgage Services will be forced to stop these practices and held accountable for their actions in some way:

    • PHH Mortgage Services sends customers letters that say a HUD pamphlet and financial worksheet are enclosed when those items are not. I have reported this to PHH Mortgage Services on two separate occasions and the letters are still coming with nothing enclosed.

    • PHH Mortgage Services is misleading customers regarding the accessibility, and availability of help when they need it.

    • Specifically, all refunds, fee-related issues, and other critical consumer needs, are supposedly handled by the PHH Mortgage Services Cash Management department. The letters from PHH Mortgage Services state that representatives from customer service to collections are available from Mon-Thu, 8:30 PM-8:30 PM, and 8:30 PM-5:00 PM Fri & Sat. However, the Cash Management department is only open until 5:00PM each day. This forces all customers with issues to call during the business day to try and get issues resolved which involve interactions with this department.

    • PHH Mortgage Services employs this and other “death-by-delay” tactics to try and frustrate customers into giving up on their issues or claims. Fore example, on three separate occasions when I have called, I am asked to repeat informatin over and over again when there are clearly notes on our account. Then, I am told that there is nothing they can do further because the time was now past 5:00PM and the Cash Management department was closed until the next business day. If it is earlier in the day, the response I get is that no response has been received or a lie that the payment has been processed/sent, or some other falsehood.

    What’s more, PHH Mortgage Services representatives and supervisors claim that this department can only be communicated with via email; that NO PHONE NUMBER OR CONTACT PERSONS EXISTS to expedite a refund or resolve an issue. Instead, we are at the mercy of email correspondance with the Cash Management department. This seems to be the only department that has the authority to get things done, so how are they helping customers with service like this?

    • PHH Mortgage Services intentionally delays mailings to customers by printing send-mail on Fridays. This ensures mail will not go out to customers until the following Monday. As you know, a matter of a few days can be the difference between saving one’s home and losing it to foreclosure.

    Senator Stabenow, I have never written any of our elected officials before now. However, in this delicate time of economic recovery and need for financial reform, average consumers like my husband and I must do something to expose companies like PHH Mortgage Services who prey on unsuspecting families.

    In closing, I urge you to look into the class action law-suit against them in NJ where they are headquartered, conumer websites devoted to exposing PHH Mortgage Services, as well as some of the over 300 complaints filed against them with the BBB in the last 36 months. If you do, I’m sure you will notice a reoccurring trend of customer abuse and inadequate servicing of loans. Thank you for your time and consideration in this matter.

    Sincerely,

    Shaltreece

    • St Clair said

      FINALLY, I have been blessed with a super great attorney – she has heard my every complaint and understands the journey I have traveled in the past 3 years. I am so amazed by her. We went to court yesterday to converse with the Judge and now, preparing for a show cause later this month. I am asking for everyone to pay close attention as this may actually become an opened door for most of us. I promise to keep everyone informed. Hopefully, we can get PHH investigated. We need prayers and need to keep the team work and good faith up!

      • Julie Nunez said

        Hello St. Clair,

        Thank you for your comment/post. Please keep me informed. I’m currently trying to close a short sale with PHH, but have a bad feeling that something will go wrong, again. Given that I had a terrible experience with my HAMP modification. I originally went through the HOPE hotline and was assigned a counselor through Money Management International. They pre-screened/interviewed me and said I did in fact qualify for the HAMP, but of course PHH denied and offered a joke of modification which helps us in no way but add to ever increasing debt. The numbers look pretty on paper, but in the long run makes no sense! I refuse to rent my own home. The value is back to the sale price from ten years ago. Etc. Our second will not modify through 2hmp, because the program only works if the First mortgage modifies through HAMP first. An endless cycle…PHH is not willing to look at 2nd and I suspect the 2nd my not be looking at first. Whatever the outcome, I would like some legal action to happen here. PHH along with other Banks need to be held accountable for not trying to fix some of this financial mess. I’ve tried my best to keep track of documents. Please keep me posted. Thanks.

      • selble73 said

        Hi St. Clair,
        I also want to say thanks for keeping us in the loop. We are currently getting ready to send out a 150 page complaint to all the places regarding PHH. We wanted to know if anyone actually had a strong enough case that they were able to get an attorney and go to court. I am really interested in knowing the state you’re in and name of your attorney just for reference. We’re also looking into suit against them. We’re hoping that any responses that we get from our complaint can also helps others here. Any help would be greatly appreciated and returned. Thank you!

        Selly

      • scott and kim said

        I will be praying for you. I know that GOD is going to take care of this situation. This is so wrong what they are doing to people. We live in Michigan also and have also hired an attorney. Keep me posted.

    • David said

      WOW! After listening to a report today about the government looking into mortgage fraud, I decided to look into Cendant (PHH Mortgage) to see if there were other people out there with an experience that was similar to mine.

      My experience with this company was IDENTICAL to that described my so many of the people on this blog. Basically, I fell behind on the payments as a result of a family failing to pay me rent. I eventually sent in the amount requested to bring my account up to date and like many other VICTIMS of this company, I would later receive my checks in the mail at my local place of residence which was some 12 hours away. It never made any sense to me as to why they took the payments, only to turn around and decided to proceed with foreclosure.

  68. Tom DeRossett said

    Phh has a pattern of intentional error that rises to the level of Racketeering. In my case, I was promised a lower interest rate, and when applying for same in 2008, and having excellent income and credit, was denied. I continued paying monthly for more than another year, whereupon I was told to stop paying my mortgage and PHH would mitigate/modify it. They played the same game with me they did the first time around when applying for a lower interest rate…stated that I hadn’t submitted required documents (when I did and proved it). They continued telling me that my loan was in process to be modified and had me send in additional info. As I was awaiting a reply on final decisions regarding a possible short sale due to rejection of my mod. application (again for not sending required paperwork when it was indeed sent), I received a foreclosure notice, and the case went to their foreclosure attorneys. These people are crooks, liars and cheats. They should be held accountable by law enforcement. My credit is ruined and on top of it all, I’m disabled, suffering from terminal colon cancer. We need to come together and get these folks indicted and sued to recover our damages….which are overwhelming.

  69. Dorothy J Dixon said

    sounds like the same trip I took this year!!!

  70. Julie Nunez said

    Tom, I was sent a packet for a HomeSavers Advance and given a WRONG address to forward my agreement and payment. Which obviously resulted in another late payment. It was suppose to help catch us up…it was pointless and started receiving late payment notices, when all along I thought we were caught up…

  71. micki said

    Everyone DOES need to send complaints to any and all appropriate and relevant parties that have listed here in this blog. These stories must be heard. We complained to Arizona attorney generals office (also to several government,law enforcement agencies and media outlets) The A.G. tried to no avail to contact PHH by phone and are asking New Jersey’s A.G. office for assistance. I wonder how many complaints they have had in NJ? I hope MANY. We made “trial payments” for 9 months because at the end of our 3 month trial period there was no answer on the modification. I called in on time every month and they told us to continue making the pymts. In the mean time we had to submit the same packet of information THREE times. The ninth month they said we were denied. The only payment they would take is all the arrears we had accrued during this nine month “trial” period. Reason for denial: our mortgage payment was not more than 31% of our income. OK…really. It took 9 months and same documents to be sent to them three times to do THAT math?? Wow. How about this: Why not ask people right up front to answer that question themselves and if they don’t fall into those parameters…DO NOT APPLY. That would too ethical I suppose.

  72. Inthesameboat said

    We are in Florida. I am guessing that we should complain to the same people and etc listed above, but the ones for Florida? I have never gone through this like all of you.

    Just like everyone else, Modification hell going on close to 2 years. Denied, reapplied and took forever to get on the trial period the second time, after mailing our first payment, we get served papers from the court, that the house is being foreclosed on. They even sent our check back this past August for all the 1rst round of trial payments plus, that we made. They kept on saying that they wanted the full amount for all past due payments. Hmmmm. It sounds like they like to get the people behind with this mod program so they can take your house. How convenient and courteous of them. There is a lot of crocked stuff going on with this company…..I know there are more people out there like us, PLEASE COME FORWARD AND SIGN THIS PETITION!!! Nothing but give us the run around for close to 2 years. : (

  73. Kathie said

    Same situation as Donna-had a major double tragedy crisis,went to them,the whole thing with the loan modification,the run around/lies/deceit,they told me pay what I could & I did,they then sent the payments back saying they don’t accept part payments but I can’t cash the checks(that are drawn from THEIR account)to put into escrow-so now my house is up in Sheriff Sale!I’m 60 with nowhere to go!

  74. Bill Thompson said

    Same story here people. PHH and USAA is committing highway robbery so be prepared.

    Before I detail it please know that if you are in any sort of trial, have any sort of equity in your home, it will be taken from you. If your mortgage is insured (PMI), they will get all their money back and get your home, so trust when I say they are your enemy, not friend.

    Everything PHH does is to intentionally confuse and distract us and make it hard for you to keep your home:

    1) Any faxes must go to a long-distance number, their fax # is not toll free. Faxing 50 pages of tax returns, pay-stubs, bank statements cost $50.00 if you send it from Office Depot or a similar location. Being that they request updated information every month if you call them, this would equate to nearly $500.00 over a 9-month trial/ripoff.

    2) The hold-music at PHH is never the bland, consistent classical music. It’s a strange mix of acapella, 60′s and 70′s music that if left on speaker, will leave you wondering if a service rep picked up as each song shifts. They want you to hold the handset to your ear, until so frustrated you hang up after waiting the typical 50 minutes on your ‘Home Owner Assistance Team’.

    3) ‘Trial payments’ – Don’t you just love how the ‘Modification’ program considers the payments ‘Trial payment’. The name implies that once you’ve proven your ability to submit timely ‘trial payments’, you’ll be made permanent. After you successfully complete your ‘trial period’, guess what will happen? They will send you a lump sum in the amount of all your trial payments, and tell you that you’re not eligible for a modification and they will be assigning your case to a foreclosure attorney.

    4) And the service reps, who are given no tools to help us, can only tell us it is a good thing, because the closer we are to foreclosure, the more likely we can get a processor to look at our documentation (and work with the investor?). Please tell me, how can your work-out queue be the same as your foreclosure queue? Comedy or Servicing? Obvious.

    I want to know who my investor is – is there a way to find out who is on the other end of this stick? Is it a person? Company? Are they interested in my mortgage specifically or is it a big pool of mortgages that must be modified in bulk?

    I am subscribed to get updates so do not hesitate to post your comments. It is time we stand up against GREED.

    • cshumaker said

      OK People…

      This sounds kinda funny, but I was able to stop PHH from foreclosing on me! I had to file for bankruptcy, and I didn’t name the house in the bankruptcy, but it did throw up a red flag with my trustee who investigated why PHH was foreclosing on me even though I wasn’t behind with any payments. The problem with mine is that PHH sold my mortgage to US Bank, and then foreclosed on their behalf since that PHH was still the servicing company. I had NO KNOWLEDGE of my mortgage being sold, nor does US Bank even know who I am!! My credit report shows that I am $25,000 in arrears with my mortgage, but when I call PHH they say that I am current. I had PHH send me a letter stating that I was current, and then showed this to my bankruptcy trustee!! It appears that PHH is collecting my mortgage payments, but NOT crediting me for those payments against my mortgage!

      • micki said

        Hey Bill, about your investor question, I was demanding an answer from a “supervisor” (you know: the blind being led by the blind) regarding why it took NINE months of timely trial payments for them to deny us because our mortgage payment did not exceed 31% of our monthly income. The supervisor said they have a whole formula they use, etc. etc. and their investora are responsible for reviewing each case. I asked who the investor is and she said FREDDIE MAC. I told her I have a formula too. Its (monthly income) X .031 = amt your mortgage payment must exceed to qualify! Wow, 30 seconds to get that. You hit every nail on the head with your post. I am feeling so deceived by USAA; my father was a CWO4 USCG and my family has been a member for a VERY long time. USAA is number ONE company nationwide in customer service. They need to expell PHH from their list of mortgage servicers.

  75. Tara Wright said

    All OHIO peoples, Ohio Attorney General Richard Cordray has been placing lawsuits against GMAC and other companies see this artical. At the end it asked that you email him with any frauds like PHH which I have done

    http://www.ohioattorneygeneral.gov/Briefing-Room/Newsletters/Save-Our-Homes/November-2010/Uncovering-fraudulent-affidavits-in-foreclosure-ca

  76. Robert said

    I want to share with you a few facts about PHH Mortgage Services.
    A year and a half ago, I applied for a loan modification like most of us and the same scenario happened to me.
    I also asked several times for them to provide the information about who is the owner of the note on my loan.
    Recently, after correspondences with the Federal Trade Commission, PHH, and the N.J. Attorney General, I got a nice answer from Lori Emdin who is the Presidential Liaison in PHH, stating that the investor on my loan, FANNIE MAE does not allow PHH to offer a modification because I am current on my loan. I provided all necessary documentation showing how severely my income dropped during the recent economic turmoil. In response, I got a letter telling me that since they could not ascertain any financial hardship, I do not qualify for a loan modification.

    In 2008, Fannie Mae got an enormous bail out from the government and right now has a new venue to make money by investing in penny loans bought from other lenders. This is the exact reason why a subsidiary service like PHH does everything to break your legs and file foreclosure instead of helping homeowners with loan modifications. Fannie Mae and Freddie Mac do not want to deal with us directly because it would be absolutely ashamed and disastrous to let the public know about the government’s investment to start foreclosure on American’s properties and generate money for them.

    SEND YOUR STORY TO THE FEDERAL TRADE COMISSION and THE GENERAL ATTORNEY IN NJ and explain your
    situation and ask for an investigation.

    ASK PHH WHO IS THE INVESTOR OF YOUR LOAN? YOU WILL BE SURPRISE!

    THIS IS A SCANDAL OF THE FIRST DEGREE AGAINST THE AMERICAN PUBLIC
    —————————————————————-
    Letter from Federal Trade Commission:
    —————————————————————-
    UNITED STATES OF AMERICA

    FEDERAL TRADE COMMISSION
    WASHINGTON, D.C.20580 December 9, 2010

    The Honorable Darrell E. Issa
    Attn: Amy Walker
    1800 Thibodo Road, Suite 310
    Vista, California 92081

    Re: FTC File Ref #28233083

    Dear Representative Issa,

    Your letter to the Office of the Comptroller of the Currency on behalf of your constituent, Mr. Jerzy Wasowski of Vista, was forwarded to the Federal Trade Commission for reply.
    We appreciate Mr. Wasowski’s concerns regarding the problems they experienced with PHH Mortgage Services. As you know, the Commission has been directed by Congress to act in the interest of all consumers to prevent deceptive and unfair acts or practices, and complaints from consumers provide valuable information that is frequently used to develop or support Commission enforcement initiatives. However, as a practical matter, the Commission’s enforcement resources are finite, and we cannot take formal action in every instance. When we receive a complaint, we make an evaluation to determine whether to devote further resources to the matter. As a matter of prosecutorial discretion, we must consider such factors as the pervasiveness of the problem, the extent to which consumers are injured, whether the practice appears to violate the Federal Trade Commission Act, and how the problem fits into our overall enforcement strategy. We will maintain a record of Mr. Wasowski’s complaint in case we receive additional information indicating that further action should be taken.

    We appreciate your interest in this matter. Please let us know whenever we can be of service.
    Sincerely,
    Consumer Response Center

  77. St Clair said

    My attorney had a show cause with my case last month. The judge ordered that the lawyer from TROTT AND TROTT, who are currently representing PHH, to submit the note.
    We go back to court this month.

    PHH tried to foreclose on me so quickly… within a month! They miscalculated my payments and escrows plus placing my money into a suspence account at times.
    Upon the notice placed on my door in 2008; It stated that HSBC was foreclosing on my home. I thought it was a fraudulant document because I was paid up, it had HSBC on it as payments were for MERRILL LYNCH/PHH and the lost description was incorrect.

    I went in to pay all of the requested arrears to prevent foreclosure (over 10 grand T & T requested) I didnt have time to dispute the missed payment or the other errors that they made. Wanting to secure the safety of my home, I paid them whatever the wanted, as I planned on disputing my issues afterwards as well.

    When I went to Trott and Trott to pay them, they refused my cashiers check and refused to give me documentation that I was there trying to pay them… only after did I dial 911, did they respond.

    A month following, I noticed that a recent document was recorded with the county. I was an assignment! The dates on the document do not line up with the actual documents that I have!

    PHH continued to lie to the State of Michigan, making me look like I was the bad guy… As though I was the liar. The SOM believe them, even though I had every document for verification!

    I did do a loan modification which they added over 22 grand to my note. After they recorded it, I noticed that it was not the modification that I signed! PHH took the page I signed and placed it with other pages they changed. It no longer stated that the loan mod was with PHH. The one recorded stated that it was with HSBC!
    They changed other information on the pages as well….

    I went to the FBI, State of Michigan, State Police, St Clair County Prosecuter, the Comptroller of Currency, Newspapers etc… The FBI told me that it was fraud but they cannot do anything unless they get alot of complaints… one complaint will not cause them to investigate. I actually had a walk in appointment with the FBI… they told me that it would be considered Mail Fraud if PHH actually mailed it in…

    I will keep you informed.. but for now… everyone that reads this should contact the FBI if there is fraud involved. The fact that they won’t do a loan mod is not a good reason to go to the FBI. CHECK OUT THE RECORDED DOCUMENTS within the COUNTY FILES to be sure what is recorded is that of actuality.

    • sam said

      I am fighting Phh with my brother for 2 years and he still has his house. I started a facebook page @ PHH complaints. I need help so tell your story on facebook and I will send it to every media outlet and public officials. I need help I am going to BRING THIS COMPANY DOWN. But I need help, I need to talk to people one on one by email. I dont want any money!! I want what is happening to my brother and everyone else to stop.

  78. Kathie said

    Hello has anyone thought of a Class Action lawsuit against PHH?

    • Lucas said

      You can try but first we have to shut off the PHH sponsor- U.S government.

      • St Clair said

        One of us has to get someone to listen… it has been a slow process (JAN 2008)and have touched into every entity with the exceptions of the President. He was going to be next but then I was blessed with an attorney that is one in a million… she actually listens and has respect for THE PEOPLE… she is representing me and I am praying that she opens the door for, not just me, but for everyone that who has been robbed by PHH and TROTT AND TROTT.

    • sam said

      I am fighting Phh with my brother for 2 years and he still has his house. I started a facebook page @ PHH complaints. I need help so tell your story on facebook and I will send it to every media outlet and public officials.
      I need people to only tell me their stories. I what to make this facebook page something noone it going to be able to stop reading.

  79. scott and kim said

    If anyone has a class action lawsuit please let me know. I know that a lot of the American people have sumitted their stories to all forms of our state and federal elected officials. The fact of the matter is what PHH is doing to the American people is unlawful and plain sickening. I want to know why none of these “so called” elected officials who are suppose to work for the American people are “looking the other way”, and doing nothing about this. It just makes my blood boil to no end. As far as I am concerned they need to be replaced because they are not working for “us” the American people.

    • sam said

      I am fighting Phh with my brother for 2 years and he still has his house. I started a facebook page @ PHH complaints. I need help so tell your story on facebook and I will send it to every media outlet and public officials.

  80. st clair said

    http://www.bloomberg.com/news/2011-01-07/us-bancorp-wells-fargo-lose-pivotal-massachusetts-foreclosure-case.html

  81. st clair said

    This is great news… I want PHH exposed and brought down for all of the hardship they have caused and for the homes they stoled……

  82. Kathie said

    Friends,all this is great but while we are all b—-many more unfortunate people like us are being screwed everyday by PHH!We have the numbers….all I can say is lets take action NOW!!!How many are out there about to loose their house?Maybe most of you are lucky & able to keep your house!Yea,you’re going through a lot of hell unnecessariyl!But there are a lot of us out here who can’t fight back for whatever reason!Do they deserve to loose their house to PHH’s fraudulent practices?We have got to legally stop this NOW!Come on everybody get together!We can do something through the legal system to put an end to PHH’s ways!

  83. Rich said

    Going on what is now 3 and a half years of hell with PHH. A year and a half ago, after 9 months and hundreds of hours of effort we were told we couldn’t qualify for a mod because “we were current” and our shareholders (we were told was now Bank of America) agreed to do nothing for us other than directing us to pay, or foreclose. Renard Foxworth suggested a short sale, but now I know that was just lip service. Fast forward to today, we have been squeezed of ALL of our net worth and are being walked to the gallows of a foreclosure. House is now worth 54% less. This is a living nightmare! Complaint has been filed with CA Attorney General, however, which has been recorded, but action, if any, may be too late for us. Can’t find a CA lawyer that will take our case- they will take our case if we intend to declare bankruptcy though!

    • Kathie said

      See,this is what I mean!People like Rich are losing their homes!I don’t know what all your circumstances are,some of you may be able to just walk away from this a little bruised but able to pick up again somewhere else!But there are many of you who may have had a genuine hardship-loss of job,illness or death-and this will just put you right out there in the street!If any of you are really serious then you know what must be done!Need I say it-write a blitz of letters to every elected official,get groups maybe even a rally organized(keep it legal),announce it to the world(or at least this country),let the media know!Just don’t go crazy or it will defeat the whole purpose!Nobody is going to listen to a disgruntled client who seems like they are just mad as hell!That’s why I say group up!Oh,and let every real estate agent you know about what PHH is doing-it hurts them if clients are getting a raw deal they lose clients & credibility!But make sure you document everything you are going through with PHH & make sure you can back up your claims!Lets get this thing going NOW!

  84. Robert said

    Hi Kathie.

    I can show you a pile of letters sent by me to officials like Federal Trade Commission, Department of, Corporations, Department of Financial Institutions, California Assemblyman Martin Garick, State of New Jersey Department of Banking and Insurance, Comptroller of the Currency, California and New Jersey Attorney General
    What I got, a temple letter stating they are not serving for individuals and will keep information’s in files.
    Like I describe in my previous post, PHH Service is strongly supported by government giants like Fannie Mae and Freddie Mac.

    THIS IS A SCANDAL OF THE FIRST DEGREE AGAINST THE AMERICAN PUBLIC

    Individual doesn’t count for them. To have a good exposure we have to form a committee and sign everybody official petition.
    I have no idea how to do it virtually over the Internet and this will require timing and personal commitment.

    Any idea?

    • Kathie said

      I think!Through this medium here we can get others to group in their individual states,possibly to sign a petition or petitions,perhaps get the news media involved?Also,if we can get others to all have a rally in their state’s capital all at the same day….

  85. Robert said

    I forgot, a 2 months ago I sent twice certify letter to OUR President Obama detailed complaint about PHH dishonest practice begging for help. Till now I did not get any answer.
    Also try to involve some talk show gurus like M levin, R Roberts sending countless emails. Silence was only answer. I am very skeptical about our unity in this case.

    • Kathie said

      I think a lot of people just want to complain,rant & rage but when it comes time to actually having the chance & ability to help themselves they’d just rather be an inactive member of the P & M Club(piss & moan)!People,do you not understand,just talking & complaining about this is NOT going to settle it nor is it going to help any of you!So if this is the only action you feel like taking then God forgive me but you deserve every lousy minute of torment that PHH gives you & you deserve to lose your house!Robert,see if you can’t somehow carefully get your 15 minutes of fame as they say & get some news person to become interested in this plight!If there are people willing to do it with you get permission to hold a rally,or even something little as walking around with a sign or wearing a button!Be creative,just keep it legal,there are ways of getting a message across!

    • Hi friends,
      I thought you’d like to know about this petition to Occupy the United States Government. you can read details by going to:

      http://www.change.org/petitions/occupy-united-states-government-government-officals-to-stop-foreclosures-pay-back-75-of-monies-earned?share_id=CePQVDcdrN& Hi friends,

      I had an illegal home loan modification and wrote to 12 government officals giving them details of my issue. Only 3 wrote me back and said basically nothing and referred to no other department of government. My attorney letter didn’t stop them from foreclosing on me. I owned and operated my own business for 22 years , purchased a modest home with a 10% down payment and bought as is from Fannie Mae. The stock market crash on Sept 15 2008,took the wind out of my business and for 2 years I lingered on going thru all my savings to hold onto my home. I had to give back my home and close the doors to my business. I hold all government departments responsible for not responding immediatly to the citizens’ who were reaching out for help when the banks kept losing our paperwork ,making illegal modifications and destroying our credit in the process. More shouldv’e been done by the governement after bailing the banks out and banks promising to make modifications.
      http://www.change.org/petitions/occupy-united-states-government-government-officals-to-stop-foreclosures-pay-back-75-of-monies-earned?share_id=CePQVDcdrN&

  86. Tara Wright said

    Hey guys, so my foreclosure sale date is Feb 4th and I call PHH today, after I sat on hold for 3 and a half hours yesterday with no response, so they tell me i have finally been approved for my trial payments, which I have made before like 2 years ago, anyways they are the same as my original loan lol not that it matters now after 2 years with this hanging over my head im happy to pay whatever they will let me. i have to western union them a payment by feb 1st and call them again and ask them to stop the sale date while I make my trail payments….so lets hope this is it finally?? I will keep you guys posted. PS i got a repsponce from my State represtitive it was a bunch of BS thanks for your inquiry bla bla… To be continued

  87. Robert said

    Hi Folks.
    Please do heavy advertisements about PHH Service on Craigslist, eBay free classified in financial section or in general community, and place link to this webpage. We need one strong headquarter to become united with our fight. People are confused jumping from one page to another.

  88. Robert said

    Brothers &Sisters
    Wake up forget about coming weakened do something. Whining doesn’t help. I Asked you to do some home work to advertise this web page to the public. Did you do this??
    Like Kathy said, If you give up you deserve what is coming.
    .

  89. Kathie said

    Thank you Sam & Robert!United we stand friends!It’s not fair what these people are doing to their clients!

  90. St Clair said

    As mentioned before, I would keep everyone on this website informed of my court case.
    My Attorney filed the show cause and an attorney showed representing PHH. The court told him to submit the note to my attorney within the month. Nothing has been provided as of today.My atty will soon be filing for discovery.

    Can everyone please check your county records to see if PHH recorded all of the correct documents. Us a fine tooth comb when you are doing it… check the dates and assignments along with the correct lot descriptions. Also, Call the FBI if you notice any fraud. Set an appointment up and show them the fraud. If they get enough calls, they will check it out. My visit is on file… I sat with 2 gentleman from the FBI for close to 2 hours! It must be a form of fraud – not that the banks will not do a loan modification (as banks can do whatever they darn well please!)

    My attorney said she may be interested in doing a class action but first we need to win this one! Everyone else will have an opened door then…

  91. Kathie said

    ALRIGHT!!!Way to go!Now this is what I’m talking about!Thank your att. for me St.Clair!And count me in if there is a class action lawsuit!See,this is what we need!I have been saying all along they are committing fraud(PHH)!Friends,can we all do something like this?

  92. Robert said

    Hi Folks.

    Today I got answer from Attorney General of New Jersey.
    They said:
    Thank you for your recent correspondence to Attorney General Paula Dow. Your Letter was reffered to New Jersey Division of Consumer Afairs for review.
    We will review your concerns and will hear from a member of our staff an appropriate response as soon possible.

    Very truly yours,

    Thomas Daniels
    Investigator
    Complaint Review Unit

    In 2008, Fannie Mae received an enormous bail out from the federal government. Currently a new venue to create revenues (translated=profits) has been created; that being by investing in penny loans bought from other lenders. This is the exact reason that it appears Fannie Mae’s subsidiary service provider, PHH Mortgage Service, does everything to “break our legs” and file and force foreclosure proceedings instead of helping homeowners with loan modifications. Fannie Mae and Freddie Mac do not want to deal directly with the public and mortgagees, because it would be absolutely disastrous if Fannie Mae’s current investment practices were to become made widely publicly known. To allow the general public, those being average middle income U.S. citizens, to know about the government’s investment strategies (to force foreclosure on middle class American property owners) and to generate profits from those very foreclosures, by investing in penny stocks of the mortgage lenders who have lost money because on those foreclosures, is unconscionable!

    Well over a year and a half ago, I applied for a loan modification, like countless numbers of average Americans whose incomes have dropped precipitously. I never believed that this very scenario, described above, would happen to me. I want to share with you a few facts about PHH Mortgage Services. I also asked several times for them to provide the information about who is the holder of the note on my loan.

    Recently, after correspondence with the Federal Trade Commission, PHH Mortgage Service, and the Attorney General of New Jersey, I received correspondence from Lori Emdin, Presidential Liaison in PHH. She stated that the investor on my loan, FANNIE MAE does not allow PHH, their service provider, to offer a modification on my current loan because I am current with payments. They will only offer assistance if I allow my loan and home to go into foreclosure. This position is arrogant and definitely not proactive on their part. Again the only service which they can provide is to allow me to go into foreclosure.

    I have provided all necessary documentation showing how severely my income has dropped during the recent economic turmoil. In response, I received a letter telling me that since they could not determine any financial hardship, I do not qualify for a loan modification. This is absolutely preposterous!

    SEND YOUR COMPLAINTS and GRIEVANCES TO THE FEDERAL TRADE COMISSION and THE GENERAL ATTORNEY of NEW JERSEY explain your
    Situation and ask for an investigation.

    THIS IS A SCANDAL OF THE FIRST DEGREE AGAINST THE AMERICAN PUBLIC.

    • St Clair said

      Nobody will be able to stop PHH unless you can catch them doing fraud! They can refuse you up and down, whether you want to do a loan modification. It is only a courtesy on thier part. You MUST check out your documents… as I have mentioned prior to, CHECK THE RECORDED DOCUMENTS WITH A FINE TOOTH COMB! BE SURE EVERY DOCUMENT IS DATED PROPERLY. CHECK TO BE SURE THAT THEY POSTED EVERY PAYMENT YOU SENT TO THEM. IF THEY MAILED THE FRAUD DOCUMENTS TO THE COUNTY, YOU HAVE THEM ON MAIL FRAUD! SAVE THE ANGER, IT WON’T GET YOU ANYWHERE.. STAY FOCUSED AND DO SOME RESEARCH -

      • St Clair said

        I previously broadcasted a website, given by one of the free mortgage counselors; helpwithmybank.com. The form directs us to the Office of the Comptroller of the Currency. If everyone could read it and fill one out, This may help. The game plan? WE all chose ONE DATE to mail out complaints to them. Which should draw some attention. If you can mail it with proof of signature receipt, that is better. It is going to open someones eyes! If they ignore this mass mail from us, we can expose them of how they did nothing to help us. When we are on 20/20 or something, we can verify that they are part of the problem. This is their JOB to help us! We should address it to PAUL UTTERBACK of the Office of the Comptroller of the Currency and copy to the FBI. Keep the story as brief as possible. Only use pertinent information. You will be able to elaborate once we get someone to listen! I will get the addresses to both entities if everyone here is interested. We need a MASTER DATE – to keep this orchestrated properly.
        I think WE are spokespeople for those who have no idea of how to fight this… God has placed this experience and knowledge before us for a reason. Its is not just to save ourselves – so many others will benefitted by this.

  93. Tom Self said

    Hello Everyone,

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    Kindest regards,
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    • Kathie said

      Thank you,thank you,thank you!Many of us here are loosing our homes thanks to the crap we have gone through with PHH!I was one that had a major crisis & PHH started me in litigation/midigation…whatever,told me to pay what i could on my mortgage then after 8 months stopped accepting the payments telling me they didn’t accept part payments…excuse me?Anyway,I was advised to stop sending them payments!Now I am losing my house!All I wanted/needed was a lower payment!They screwed me from the beginning!And all these lies….I hope you can help us all here!

  94. Colleen said

    I am glad to have found this!! There are other websites out there too re: PHH that I have posted on. I am curently in litigation with PHH, and have recently discovered that PHH has committed fraud in my case. I need help by an attorney asap. I have been representing myself pro se since 2009, the first time PHH wrongfully foreclosed on my home WITHOUT MY KNOWLEDGE. No letters, no newspaper notice, nothing. That foreclsoure was dismissed by the court after I filed a Declaratory Injunctive Relief against them. I have recently discovered that after I filed that motion to the court, putting that foreclosure into a pending litigation, PHH transferred the loan (securitized it or whatever they did) to Countrywide, then Countrywide went bankrupt shortly thereafter, and transferred the “loan” to Bank of America. Meanwhile, PHH is still in litigation with me until September 2009, when the Judge dismissed the foreclosure.

    In February 2010, PHH Mortgage foreclosed a second time, auctioning the property to themselves a second time, when they did not even own the note. This was originally a VA backed loan, and the original mortgage company was Cendant Mortgage (1999), later PHH Mortgage. Knowing this fact that PHH mortgage Corp possibly did not have standing to foreclose in 2010, due to C21 having my property listed under Bank of America since February 2009 in their computer system, I filed a lawsuit against PHH. To add, I tried to offer cash for the home before my discovery of Bank of America being involved as well, but was refused by PHH, because my name is not on the note but is on the mortgage and the deed. (I am divorced, which complicates the matter). They told me I was not “authorized” to speak to them regarding the property that I reside when my name is on the title. They were wrong. There was a hearing in Dec. 2010 on PHH’s motion to dismiss the lawsuit, almost one year later. The Judge dismissed the case for me failing to state a claim in which relief could be granted. I stated to the court that my motion to compel discovery of the chain of title, and original assignments were important for the court’s review due to my knowledge of another mortgage company claiming they own the note. I told the Judge that I offered cash to PHH to take over the house, to prevent further litigation but was denied for the reasons mentioned above, and also said that if I was to pay them cash for the home, how would I know that another mortgage company would not sue me for my home also saying they own the home? My requests for discovery motions were denied previous to trial. I then filed a post-judgment motion for re-hearing for newly discovered evidence (to delay the eviction process and try to save my home). The newly discovered evidence was this:
    Three days after that hearing (dismissal of case) in Dec. 2010, a Summons was filed against me by Bank of America suing me for a trillion fees listed, rent in the home for the past two years, and for immediate eviction/seizure of the property, relating back to the foreclosure done by PHH. I was 100% correct at that trial when telling the court that I did not believe PHH even owned the home but foreclosed anyway, transferring the property into their name both times. PHH did not own the note since February 2009. But yet, this lawsuit filed against me refers back to the foreclosure, like it was them that foreclosed! Trying to cover it all up if you ask me! I do not believe there is a valid note or loan to my property by any mortgage company, servicer, or the VA. I do not have proof by audit, and without the help of an attorney, the court would not grant my motion for discovery, but maybe they will now due to their knowledge of this lawsuit showing something is very wrong with this picture. At the probate office, PHH has signed their name to the Assessment Record under owner/instrument in 2010. That constitutes fraud I believe!

    Tonight, I am writing a Counterclaim/or answer to this lawsuit filed against me, due tomorrow. I am researching cases regarding my situation, but cannot find many that have the same exact entanglements as I do to compare legal defenses. So I am winging it as best as I can. But there are so many others dealing with PHH like I have been! If I can prove fraud, with the help of an attorney, that would bring criminal actions against them. I reside in Alabama, and I have not been successful in locating an attorney willing to take this case. If anyone knows of a vigilante that will help, maybe take this to the Federal level and out of the District court, please send them to me.

    Thanks so much. I hope we can stop them, PHH and the rest of the banksters from causing chaos and financial devestation in our lives by taking what is not theirs to take.
    My contact email is: cd44041@gmail.com

    • Kathie said

      See what I mean!!Get a lawyer,hon!If you can shut PHH down completely maybe those of us who have not yet lost our houses will be saved!Do whatever it takes legally!Shut them down!

    • sam said

      I am started a facebook page PHH complaints leave a message or your story

  95. Minnie said

    We currently hold a mortgage with PHH and decided to refinance over 3 months ago when the interest rates had dropped. Our house payment is a little high and we wanted to see if we could lower the payment by refinancing and getting the PMI removed. (Private Mortgage Insurance).
    We got the house appraised from an appraiser that PHH chose. The house appraised at about $60K more than what we owe. We thought, “Great this will help us a lot!”

    From the beginning I should have known these guys were useless. They dragged their feet, and we had to call and email them constantly just to find out where we were in the process. Two months go by and we were starting to get ticked off, as we had signed all the refinance papers and sent in the appraisal. At about the 3 month mark we call yet again and wait to get a call back. Bad news. PHH had decided that they weren’t going to go ahead with the refinance as they don’t give loans to people with “manufactured homes”. How long had they known this? From the very beginning, yet they wasted our time and took our non-refundable $500. We were devastated :( They gave us the original loan but now won’t refinance. Their excuse was, “we just don’t finance manufactured homes anymore”. No real reason.

    So now we have to start all over again. But the interest rates have gone back up so we can’t refinance. If they would have told us the truth from the very beginning, we could have gone with another company. But they screwed it up for us and now we are stuck. We can make our house payment (barely) but it really would have helped to lower it. I feel so angry and frustrated :(

    • Kathie said

      Be glad they didn’t decide to screw your mortgage you have now with them!Warning!Don’t ask them to lower your payments-instant foreclosure!

    • Mark said

      Just went through a similar scenario. Wanted to take advantage of the lower rates, was preapproved, and locked in for 90 days at a rate of 4.20%
      Seemed like plenty of time for a simple refi. Right? Wrong!!
      Called and emailed constantly because I was seeing no progress. When someone would actually pick up the phone I was told it was still in underwriting. This went on for weeks. Well guess what? They finally have all the paperwork they need to close, but my interest rate expired and they refuse to extend it. Even though the delays are on their end. Now my only option is to use the current rate which are much higher! Almost not worth it anymore.
      I feel helpless.

      • sam said

        Post your comments at facebook page I started on facebook at phh complaints. Trying to make a buzz and I am two years in my freclouser because I am fighting them in court

      • Debbie said

        PHH just sold our house without letting us know. We left message for the president of the loan mod dept no return calls etc.. When we called all we received was we are reviewing it and our systems are updating they had no information. We found out BY ACCIDENT 3/11/11 that our home was up for sale on 3/15/2011, only 4 days before the sale. We were approved for a loan mod of 734.00 back in 2009 then they uped it to 834.00, then canceeld that never once missing a payment on time, and then they put us in the Hamp program and said 917.00. We paid 917.00 never once missing a payment on time for 1 year before they sent back our paper work raising the amount to 1230.00 a month which is the amount we paid in the first place that got us in trouble after my husband was laid off. yet we made less money when my husband got laid off and was on unemployment.we argued with them and kept paying 917.00 until they sent back the payment in Nov 2010. We called repeatedly got no where they even told us they werent going to take my home thats funny because when we opened that lawyer advertisement thats exactly what they did. We had enough fighting with them and just left our home the day they put it up for sale, but if there is a class action suit please include me. We had no money for a lawyer so after 13 years we left everything but about 6 boxes of sentimental stuff behind and moved in with our son. I hope there happy because me and my husband and 2 disabled children aren’t. THANK YOU PHH FOR ALL THE LIES AND CRAP FOR THE LAST 4 YEARS..

    • sam said

      Post your comments at my facebook page I started. the facebook page is phh complaints.

    • Pops said

      Fannie mae/Freddie mac, VA and FHA do not have any programs to refinance Manufactored homes. Thats why PHH probabaly did not offer it. I am wondering as to why the consultant did not tell you that upfront as we do at our mortgage company.

  96. Youre so cool! I dont suppose Ive learn something like this before. So good to seek out somebody with some authentic thoughts on this subject. realy thanks for starting this up. this web site is one thing that is wanted on the web, somebody with just a little originality. helpful job for bringing something new to the web!

  97. Kathie said

    People,you’re missing the point here!Posting comments,creating web pages,all well & good but it’s not enough!Getting PHH to do a better job is like trying to get an elephant to move-not going to happen!I’m beginning to believe you are all a bunch of complainers but won’t do anything more than whine!You want change make it happen!There is power in numbers….and in the media!Get the message spread about PHH!!!Tell real estate agents abiut the problem-the last thing they want is their client having financial problems…it cut into their commission!Get news agencies to investigate & do a piece!This here is not going to expose them!Do I have to continue to be the motivator here & suggest what to do?You are smart people out there!I am sure you can come up with many more ways!

  98. Bernard said

    Maybe Egypt is our inspiration.
    We should go to Mt. Laurel and push Jerry Salitto and his stuff to resign?

  99. Robert said

    summing up, this blog is like kindergarten place.

  100. Pops said

    This site is sickening. To see people blame PHH for there misfortunes. Its only people who should have not bought in the first place that are complaining. I mean if you lose you job and cant afford your mortgage payment from savings and unemployment, thats your fault. People blame PHH when they cant modify your loan. Folks, PHH only services your loan and every modification has to go to FANNIE MAE to get approval. So when they say its lost its due to fannie mae themselves. Remember you signed on the dotted lines you would make those payments for the alotted time. If you dont they cant do whatever they want since they lose money. Its a business and no one force you to buy a home. Its YOUR decision. Go rent and these problems will not be in your life. Its that easy. Obama wont help because he understands that america blames everyone else instead of themselves. PHH owes no one on here nothing.

    • Pops said

      also wanted to add to a comment above about PHH or fannie mae intentionally foreclosing on homes to make a better profit. Thats not the case. They want to foreclose the home so they can stop losing money since deadbeats cant pay what they owe even after modification. I mean they give you several months before they foreclose and send you notices. If you cant bring it up by then, then maybe you should not own a home or buy something smaller years later after you rent and decide to save money. I know firsthand that PHH will help if there are extenuating circumstances as a friend of mine was helped by PHH.

      • Tara said

        Who wants to bet pops works for PHH?? lol your cute but, I do not and didnt need a modification it was sugested to me by my original mortager when I inqured andout taking my property taxes out of my payment. 2 years later PHH is still draging there feet…why does it take 2 years to process my paper work? Once my mortgage co handed me over to PHH there was no going back, I asked! I just did get advised what my modified payments are going to be and guess what they are they exact same as before. Luckily for me I dont need a modification anyways. But for real 2 years to get told my payments would be modified to what they were before haha what a joke!

      • Colleen said

        You must be employed by PHH and they are PAYING you. No other reason why you are writing this, NO OTHER REASON. Leave your full name so we can research my assumption.

      • Kathie said

        I am not a ‘Deadbeat’!!!I had a crisis & needed my payments lowered.As a result I am now in foreclosure!Not everyone in foreclosure is a deadbeat!Tragedies happen!

      • St Clair said

        Hey Pops, I am beginning to believe that you have no life of your own. Being that you think you know so much more than us, what are you doing here? Sad that you just want to be a bully. Be careful of what you do and say regards to your judgements and evil remarks, as it just might came back to you. I know for a fact that my God is much more powerful than the god you serve, so be careful, very careful of what you are doing. As for the rest of us, lets ignore him, lets not feed this beast.

  101. St Clair said

    Pops, your ignorance and attitude does not belong on the site. Please take your anger and judgement somewhere else, maybe a place where people really care what you say.

    • Colleen said

      “POPS” does not belong here, I agree with St Clair. If you do not leave your full name, we will be confirmed you are employed by PHH. PERIOD.

  102. Tara said

    Hey lets prove a point to pops, has anyone that has posed on here in thes last 2 or 3 years recieved a modification, or got anywhere with PHH?

  103. anita said

    Don’t give this person any fuel. He/she is probably a thirteen year old that is stirring the pot to get attention. don’t waste your time on this.

  104. Debbie said

    First POP’s has a point, if it were only people that bought homes that were way too expensive for thier income at the time of the purchase. I know people like that and they should go back to renting.
    I bought a home that was well within my ability to pay… and I put 20% down, and locked in at a low interest rate. I paid the mortgage with no problem for 11 years. But getting laid off made it harder, getting in a car accident cause me to miss payments so I looked into the modification. After 8 months of forms, faxes and phone calls, it turns out that if you are unemployeed, you are not qualified. They knew that in the begining but continued to let me believe we could work it out. This is the short version.
    I am right now waiting for an email to confirm that they agreed to a forbarance and to delay the sale of my property. I should have recieved it in the mail, and did not. The court hearing is in the morning. They think I have nothing to stop them. They would be wrong. I have a laywer, and I have them on tape. In NC you can record phone calls.
    I will do anything to keep my house, including liquidating my 401K. I will continue to fight PHH for the way they have handled this mess. For now, I want to get thier hands off my mortgage.

    Does anyone knowhow to get a Fannie Mae mortgage transfered to another servicing company?

    • Ariel said

      Yes its called refinancing. You can’t simply transfer mortgages because of a dispute with a lender. If you dont qualify then your stuck with the mortgage lender unless they decide to transfer/sell your mortgage to another lender to service.

    • kim said

      I hope that everyone realizes that Fannie Mae is in on this too. Had papers served to PHH from lawyer to go to court. They then sneakly transferred the loan back to Fannie Mae when they got the papers. I called Fannie Mae and they said their was nothing they could do even though they had the title is was up to the servicer to have it rescended. What in the heck do they think we have been trying to do for the last 2 years. We have equity in our house and their trying to steal all the hard work and equity out of it. I don’t think so, I think we as amercians need to have a Great Awakening in the Government

  105. sam said

    I am using the “produce the note” and I an winning my case its been two years in april they even change attorneys

    • St Clair said

      Great, I am hopeful that we will expose PHH and the others who are allowing this to happen.

    • St Clair said

      ATTENTION: Please read about the lady who sadly committed suicide regarding PHH!
      You may be able to find other articles… this was just one of them.

      This has got to be the most heart wrenching news story I have read in a long time. The mortgage crisis has claimed its first victim. Carlene Balderrama was behind on her mortgage for 42 months and fatally shot herself shortly after faxing a letter to PHH Mortgage saying that by the time they foreclosed on her house that day, should would be dead. Police said that Mrs. Balderrama used her husband’s high-powered rifle to kill herself.

      Carlene Balderrama, 53, was apparently distraught that the company was planning to sell her foreclosed house at 5 p.m. Tuesday, according to Taunton, MA, Police Chief Raymond O’Berg.

      O’Berg said officers found Balderrama dead of a gunshot wound inside her 103 Duffy Drive house just over an hour after employees at the mortgage company, the name of which has not been released, received the ominous fax message and called police.

      “By the time you foreclose on my house I’ll be dead,” O’Berg said the fax read in part.
      The chief also said a suicide note found next to the body urged the woman’s husband and son to “take the insurance money and pay for the house.” He said that the woman’s husband had no idea the house was about to be auctioned. “She handled all the bills,” the chief said.

      The auction was scheduled to start at 5 p.m. and interested buyers arrived at the property in Taunton, about 35 miles south of Boston, while Balderrama’s body was still inside, according to Taunton Police Chief Raymond O’Berg.

      “She put in her suicide note that it got overwhelming for her.” “Apparently she didn’t have anyone to talk to. She didn’t come to me. I don’t know why.

      This is really a sad turn of events for this family. It is important for couples to work together to solve their problems. No-one knows what really went on in this woman’s life and the stress she was under. I know how callous creditors can be at times, but there is always a way out, even when it seems hopeless. My question to my readers is, should the mortgage company bear the blame for this? After all, news reports said her mortgage was unpaid for 42 months. There are victims all around in this case and it is sad that this woman felt so

  106. Elaine said

    We entered Chapter 13 in late 2005 never having been late on anything, but finding ourselves unable to sustain monthly credit card payments resulting from prolonged illness. We made Chapter 13 payments precisely on-time and completed the five years with a discharge on March 1. Received the same day as our discharge was a Notice of Foreclosure from PHH Mortgage as a result of fees/charges added to our mortgage during the course of the Chapter 13, but not disclosed to either the Trustee, our attorney or ourselves–in spite of a legal requirement to do so. We turned it over immediately to our attorney who states that this type of “fraud” is common among mortgage servicers, and he is in the process of filing suit. I wish I could take heart from the stories posted to this blog–instead I can’t believe how PHH can manage to survive by harming so many people!!!!! And I hope our attorney’s confidence that we will not be harmed by PHH is justified!

  107. sam said

    everyone needs to answer the complaint when PHH starts the foreclosuer. the ask for them to produce the note. they wont have the note. Look on the mers – mortgage electronic registration system – website to see who has your loan. my guess is not PHH. If PHH started a foreclosuer with out the note it could be thrown out of court!!!!

    • LD said

      Found the MERS site….what does it mean when comment is: “servicer has chosen not display information”?

      • sam said

        Go to Fannie Mae website there is a link to see if they ( Fannie Mae) own your note. If they do call them and ask who is the servicer. If its differ than te company that brought the foreclouser, asked Fannie Mae to send you a letter stating who the servicer. Let me know that comes about this.

  108. Debbie said

    PHH just sold our house without letting us know. We left message for the president of the loan mod dept no return calls etc.. When we called all we received was we are reviewing it and our systems are updating they had no information. We found out BY ACCIDENT 3/11/11 that our home was up for sale on 3/15/2011, only 4 days before the sale. We were approved for a loan mod of 734.00 back in 2009 then they uped it to 834.00, then canceeld that never once missing a payment on time, and then they put us in the Hamp program and said 917.00. We paid 917.00 never once missing a payment on time for 1 year before they sent back our paper work raising the amount to 1230.00 a month which is the amount we paid in the first place that got us in trouble after my husband was laid off. yet we made less money when my husband got laid off and was on unemployment.we argued with them and kept paying 917.00 until they sent back the payment in Nov 2010. We called repeatedly got no where they even told us they werent going to take my home thats funny because when we opened that lawyer advertisement thats exactly what they did. We had enough fighting with them and just left our home the day they put it up for sale, but if there is a class action suit please include me. We had no money for a lawyer so after 13 years we left everything but about 6 boxes of sentimental stuff behind and moved in with our son. I hope there happy because me and my husband and 2 disabled children aren’t. THANK YOU PHH FOR ALL THE LIES AND CRAP FOR THE LAST 4 YEARS.. my email is: granddollarkitty@aol.com let me know of any suits please.

  109. Kathie said

    Loan modifications and/or litigation from PHH is a joke!!!They will dance you areound & around until so much time has past & you become sooo far behind on your payments!Then nomatter what you do they foreclose on you!What they do with these empty houses that can’t be sold for what they are trying to sell them for is beyond me!If you live in Pennsylvania….good lick!Doesn’t even seem like the Representitives & Senators & governor & the rest just don’t give a damn!

  110. Calculator said

    I’m glad that I’ve found this phhmortgage.wordpress.com site. Big thanks for taking the time to discuss this, it’s a useful info and I love to discover more on this. If possible, would you mind updating your blog with more information? It is very much helpful for me.

  111. Dale said

    Has anyone thought of coming together to do a class action lawsuit?
    After read all of this,I can see that I am in the SAME boat as
    alot of people. Every single one of our stories sound
    the same and we need to come together and do some thing about this!
    I know that we would have a great case!

    • Tom Self said

      Hi Dale,

      Well I have good news Dale! There indeed is a landmark case that has been going on for some time which is the biggest stick out there right now. It is a parallel mass joinder case, meaning you have individual standing in the courts as co-plaintiff earning 70% at settlement. At settlement sometime in 2012 most likely the argument the attorneys are going for is for the note to be null in void due to lack of ownership, the banks are NOT able to show chain of title & the loan being bifurcated(Deed separated from note) makes the original agreement void and cancelled. FYI, class action cases are for attorneys to make all the money, this is very different.

      As long as your promissory note was sold on wallstreet you qualify for this major lawsuit against all the major banks that have defrauded us Americans during the time of massive securitization of this paper. I would love to chat with you and give you the history behind the case and how you can join for I am an Intake Specialist with the intake center. I would be the one that can help you get set up with small retainer to throw your hat in the ring. Go to website below for details to watch attorneys videos, read the complaint & summons etc, and of course the lawsuit itself!! Fill out the form on left side of website for free consultation and I will get in touch with you with in 24 hours…

      http://www.MortgageFraudResolution.com

      I truly love helping homeowners assert their legal rights against these banksters and perfect their claims,

      Paradigm Consulting NW, LLC
      Sr. Intake Specialist
      tself@mortgagefraudresolution.com

  112. Kathie said

    Friends,I wish you all the luck in the world & hope you get to save your houses!But I fear you may end up like I just did-I am now homeless!Thank you PHH!

  113. Selly said

    There is an investigation on PHH Mortgage going on right at this moment. I’ve been battling PHH for over 10 months and sent out my complaint to all the place you can think of and was mentioned on here. And the only response I finally got back was from NJ Attorney General. They sent me a letter saying that to expect a phone call from them in a few days. They want all the information on PHH because its going to be part of a larger deal. So I think the ones who havent sent their complaints to the AG of New Jersey (or resend it again) in an attempt to flood the AG with PHH complaints, should do this now, this week even! Let’s flood them guys, with all of your complaints. The more the better. PHH needs to be stopped and NOW is the TIME to STRIKE!

    • Bruce Goyette said

      YES, YES..they are being investigated by the State of NJ Office of the Attorney General. I received a letter as well. SO EVERYONE…send them your complaints as well: Division of consumer affairs, 124 Halsey St.,: PO Box 45025, Newark, NJ. 071010. Send them copies of these e-mails as well.

      • St Clair said

        Great news for you…
        I called the dept of banking and insurance in NJ and they told me that they cannot help me because my home is located in Michigan.
        I tried to call the Attorney Generals office at 800-242-5846 but contiunually get a busy signal… I will keep trying to contact them. Not sure if you live in the NJ areas or not… please let me know…

      • melbeckers said

        I wrote the NJ Attorney General back in early 2010. Six months later I got a response telling me they could do nothing. I just got a call TODAY from them asking me to send them everything I have. They said they have my complaint but they want every correspondence that was sent TO them and that I received FROM them. PHH IS BEING LOOKED AT BY THE NJ DIVISION OF CONSUMER AFFAIRS.

        Here is the website http://www.njconsumeraffairs.gov/ and there is an area to file a complaint.

        I moved out of my house a year ago after PHH bought it back at the foreclosure auction. It is too late for me but I do hope this will keep others in their homes by what I send over to NJ.

        God bless!

    • Selly said

      Let me say that the AG of new jersey is CONSIDERING (gathering information on them based on all of our complaints) *remember they dont take on single complaints. They wont help you in that way, but will help everyone on a WHOLE*

      The AG of NJ needs enough complaints to make a decision to move forward with an investigation. Its crucial that all of you send all your negative experiences, your story, documents so the AG will MOVE forward with their INVESTIGATION. Dont worry if you’re not in NEW JERSEY. They’re LOOKING into investigating. SO it so crucial on a WHOLE WE all SUBMIT your personal experiences with PHH to them. Regardless if you were foreclosed upon, in the process, starting, if the experience is over ec etc…
      the AG WANTS TO KNOW IT ALL. If PHH has participated in bad acts of abuse in all forms. Now its the time to consolidate our power- this site and sent it to the AG of New Jersey. Not one person has had success with them but ALL OF US together w/ the AG who is now considering it CAN!

      When the truth appears all lies and deceit must Leave.

      Please do this everyone. Thank you

  114. Kathie said

    Friends,as they say-don’t kill the messenger-I’m afraid to have to tell you this but none of you who is trying to deal with PHH is ever going to win your loan mod!Has anyone yet?Do you know of anyone who has?I am one of thousands of homeowners who have lost their houses thanks to the tricks PHH plays!They WILL NOT lower or modify your mortgage in any way,shape or form!Why?They want to keep you in those overpriced high interest loans & if it’s too much for you then they want your house back so they can resell it!The loan was already insured so they already recooped that!Now,most of you probably can afford a lawyer!I could not!I am now homeless-me an old lady does anyone care?I’m old,I’m sick,and now I’m out in the street!Thank you PHH!

  115. Miguel said

    My loan is 7101117773, the address is 2005 SW 3 ST Miami Fla.
    It is true that if you engage in any collection, the safest thing is to end up paying even knowing that you are stealing.
    In my case costs more than a lawyer and fix things. The prisons are full of unhappy compared to these criminals in suits and ties

  116. Miguel said

    We don’n recoment PHH mortgage, it’s a untrust company. is one of those loan companies that are believed to disorder and confusion in statements to pressure and scare of a possible loss of the house and in this way will get their victims, usually old men, end up paying

  117. Miguel said

    I have to confess something about this company so that if someone needs help: I witnessed the pitfalls of this company at the time to clarify situations. Worst of all, it has the law on their side as they are created. If you need some evidence against this company can count on me. Name: Miguel Figueroa, Phone 3053055759

  118. anita said

    I have been fortunate that we did not lose our house but I still want these people prosecuted. I could have very well lost everything if I had heeded their advice to stop paying my mortgage. They can’t keep profiteering from misfortune and deceit with no ramifications. I filed a complaint last night with NJ OAG. Someone here on this board commented that they can’t help becuase the property is not in NJ. Becuase of this I filed my complaint this morning in NC and have advised them that PHH is being investigated in NJ.

  119. Kathie said

    With all we have against PHH why are we still just moaning & groaning here?In the meantime any one of us could be the next victim to loose their home!While we just sit back and b____!Friends,do something!If you are all that against what PHH is doing then get off your fat asses,get away from being glued to your computer,and DO SOMETHING!Or is it you can live with yourself & the knowledge that as you sit there complaining many others are being screwed by this company & loosing their houses!Perhaps you are one of them about to lose your house,are you still content to sit there & complain?Or worse yet,sit there knowing these others complaining here could have helped prevent you loosing your house thanks to PHH?All I have to ask is this-if they’re such a bad company,and if you are truly upset with them,then why are you not doing anything more than b_____& complaining!Hello?Do you not realise it doesn’t do anything to correct a situation?

    • anita said

      So Kathy rather than lecture us…What are you doing? Seriously I don’t see your criticism as constructive…just more whining. Many people here are making active moves to remedy the situation. Myself included…so what have you done other than try to stir the pot and insult people…

  120. sam said

    FIGHT your foreclouser. I been for over two years!!! you must answer their complaint against you. Then ask them to show you the real note send your request to PHH and to the court. Look on MEARS website to see who owns your note. see if PHH hold the note or just the servicer. Anyone who whats some help email me at peteyat41@aol.com. I AM NOT A LAWYER just trying to save my house and screw PHH.

  121. Selly said

    Let me say that the AG of new jersey is CONSIDERING (gathering information on them based on all of our complaints) *remember they dont take on single complaints. They wont help you in that way, but will help everyone on a WHOLE*

    The AG of NJ needs enough complaints to make a decision to move forward with an investigation. Its crucial that all of you send all your negative experiences, your story, documents so the AG will MOVE forward with their INVESTIGATION. Dont worry if you’re not in NEW JERSEY. They’re LOOKING into investigating. SO it so crucial on a WHOLE WE all SUBMIT your personal experiences with PHH to them. Regardless if you were foreclosed upon, in the process, starting, if the experience is over ec etc…
    the AG WANTS TO KNOW IT ALL. If PHH has participated in bad acts of abuse in all forms. Now its the time to consolidate our power- this site and sent it to the AG of New Jersey. Not one person has had success with them but ALL OF US together w/ the AG who is now considering it CAN!

    When the truth appears all lies and deceit must Leave.

    Please do this everyone. Thank you

  122. I contacted PHH in April 2009 and told them I had financial hardship. I was reduced in pay at my job and my partner is disabled and they said they would work with us. I was one of the first people to apply for a HAMP modification in 2009 and was told repeatedly that they didn’t get my paperwork and I was missing documents in my file. I got to the point of registered mail on all my documents I sent to them so they couldn’t keep putting me off. I was finally approved for a HAMP modification in August 2009. They told me I had to make 4 trial modified payments and then it would be permanent. After we made our last payment is December 2009 they told us we no longer qualified for the HAMP because we made too much money. They also put our money in a SUSPENSE account too. Now we owe all the payments that were partial plus late charges and fees and if they didn’t receive around $2500 by January 2010 they would start the foreclosure process. We had just sent them a payment of $1500 two weeks prior. They new how much money both my partner and I made and they trapped us into getting behind and then setting us up to fail. After we couldn’t make our $2500 catchup payment they wouldn’t accept another payment from us unless it was in full. We ended up losing our home in December 2010 and have moved on but I know they did so many things illegal. Now I have noticed on my account that they even show our payments we made on time for over 5 years were late even though I know they were not and I have all the cancelled checks to prove it.
    If anyone goes after these guys count me in. I have all my documents and am ready to go to battle.

    • Selly said

      Sorry to hear what you went through Kevin. All you need to do is send your documents and complaints to the AG of New Jersey. No waiting for anyone to tell you. They need all the information past and present from anyone whose experienced their abuse. Thanks!

  123. anita said

    Kevin, Selly is right. My house is in NC. I filed in both NJ and NC. I got a letter from NJ saying that they forwarded my complaint on to NC Attorney General. You can file on line and it will take you only a few minutes.

  124. Robert said

    Hi Guys.

    Just see the recent letter from Division of Consumer Afairs. Like Selly said send masive complaints and all necessary documentation to them.

    CHRIS CHRISTIE Governor
    KiM GUADAGNO Lt. Governor
    Re:

    New Jersey Office of the Attorney General Division of Consumer Affairs
    Office of Consumer Protection
    124 Halsey street, ih Floor, Newark NJ 07102
    May 12,2011
    PHH Mortgage Servicing Complaint

    PAULAT.Dow Attorney General
    THOMAS R. CALCAGNI Acting Director
    Mailing Address:
    P.O. Box 45025 Newark, NJ 07101 (973) 504-6200

    Dear Consumer:
    I am writing ou behalf of Paula T. Dow, Attorney General of the State of New Jersey, and Thomas R. Calcagni, Acting Director ofthe New Jersey Division of Consumer Affairs, to follow up on a complaint you filed regarding your mortgage servicer, PHH Mortgage. We will be calling you within the next two weeks to obtain additional information regarding your complaint.
    Please be prepared, as best you can, to answer questions regarding your mortgage and your experience with PHH, dating from the closing of your mortgage loan until the present. We may ask for some specific dates or numbers, and are writing you in advance of calling you to give you time to gather any documents you may have and help you prepare to answer those questions.
    If you have records of correspondence with PHH, your most-recent billing statement, any notice of foreclosure, or legal tuings that will help document or explain your situation, please gather them and make one copy, as we will be requesting those documents.
    We may be asking you whether you received accurate information from PHH about what you owe and mortgage modification or forbearance options; how long any mortgage modification or forbearance application process took; whether PHH foreclosed on you or locked you out of your home and why; whether you received the same information from PHH over the phone as in writing; and whether you believe you were charged inappropriate fees or had your payments misapplied and why.
    Please be aware that while we are looking into your complaint as part of a larger inquiry, we cannot provide you with legal assistance or advice and, even if your complaint is substantiated, we may not obtain relief for you. Therefore, if you have mortgage-related issues for which you currently req uire assistance or legal advice, it is best that you uudertake efforts to address them. You may wish to contact a HUD-certified housing counselor at http://www.Makin2HomeAffordable.20v, http://www.hopenow.com, and the Homeowner’s HOPE Hotline at 1-888-995-HOPE, for free foreclosure counseling assistance. New Jersey residents can go to http://www.ni.2ov/dca/hmfa and http://www.NJForeclosureMediation.org. Or for assistance with legal issues, New Jersey residents may contact Legal Services of New Jersey at 1-888576-5529. Residents of other states may search for Legal Services providers in their State at http://www.lsc.gov.
    We look forward to speaking with you soon. Please contact me at (973) 792-4237 or ioe.iassolaJ,dca.lps.state.ni.us if you need any further information.
    Very truly yours, Joseph lasso Investigator
    New Jersey Is An Equal Opportunity Employer • Printed on Recycled Paper and Recyclable

  125. Tara said

    update: so I just completed my 2nd round of trial payments in 2 and a half years. got a letter from PHH saying again for the bazillionth time they didnt get some paper work. I called them up and told them to look up the UPS tracking info. “Oh yes mrs wright I see here you sent that in 2 months ago idk why they havent scanned these in. Just continue making your payments”. I know this isnt the last of them. I will continue fighting these cooks! they will not get my house, i’ll demolish it if I have to! Ive made a total of 11 “Trial” payments if that doesnt prove I can pay my mortgage what will? Oh yeah and I have 5 acres and im going to make a huge Stop PHH sign, look for it on the news!

  126. Kathie said

    Friends,please don’t lable me a downer but I have been through it all with PHH!EVERYTHING & I do mean EVERYTHING they told me to do I did-over & over again!They lie to you,give you tons of empty meaningless promises,make you think they are willing & working with you…….BULLSHIT!!!Nomatter what they WILL take your house!Now grant you maybe some have succeeded!If so would you please report on this site that you were successful!I doubt even if you paid ahead of time & more than what they were asking PHH would allow you to keep your home!They do not tolorate trying to get a loan mod!I speak from experiance-I am now homeless & will never be able to get another home thanks to PHH!

  127. Tom Self said

    Recent Breaking News… Philip A. Kramer helps Army Sergeant win damages over 20 Million in lawsuit against PHH mortgage!!! It’s time to fight back folks and assert our legal rights in the court of law! If this doesn’t make you want to sue your lender than I don’t know what will… This case allows you to share with thousands of other plaintiffs in the cost when joining in “the” landmark mass joinder lawsuit with this powerful law firm.

    For details go to http://www.BankFraudBlog.com and read the full mind blowing article on massive PHH settlement. Please visit our Blog and fill out the contact form if you are open to a FREE consultation on your predatory home loan to receive professional analysis. We also make sure you qualify, which most people do with how rampant these original promissory notes were bundled up and securitized, then sold as bond certs on wallstreet bifurcating the loan agreement. Go to Pending Lawsuits on our blog to read the the complaint, lawsuit itself(20pgs), summons, amended summons, and watch all the attorneys videos after you have entered the corporate CLG intake center website.

    So assert your legal rights now before it is to late, and the only way is through the litigation process!
    Please help share the word on this case no matter the bank, it will come back to you x10.

    Philip A. Kramer Wins Over 20 Million For PHH Mortgage Client Lawsuit | Compliments of BigBanksBusted.com

    • Kathie said

      That’s great & I am happy for anyone who can get justice!Go for it & may God be with you!It is too late for me!And I wonder what about all those who can’t afford a lawyer?I am a little old lady who was not only royally screwed by PHH but had a tragedy happen wherein I couldn’t handle the mortgage on my own!I am not rich-no job,no big retirement income,no nice pension!On a small fixed income!If PHH had just simply lowered the mortgage payment(and not by much)this little old lady would have still had her house & been able to afford it!But PHH refuses to work with anyone!So poor people like me are now homeless & out in the street because we could not afford a lawyer!What about us?This is what makes me mad!

    • St Clair said

      I have forward my complaints to Candice Millers Office. The office claims they do not have the investigative powers to help me but forward my complaint onto the Comptrollers Office and the State of Michigan…. 3 years now of trying to bring light on this company and MICHIGAN just ignores what they are doing to the homeowners. NOW I CAN SINCERELY UNDERSTAND WHY MICHIGAN IS IN THE STATE OF DISTRESS!!
      My lawyer is still working on getting this resolved for me … it is just a game to these banks and the attorneys that work for them….
      I have documents to verify the forgery and fraud by these corrupt entities… I will not stop until they get exposed!!!

  128. AT said

    There are fees charged on my statement each month and no one can explain what they are. I’ve called them each month with the same questions. “They will get back to me” is the only reply. Bill is paid on time each month. Anyone elsehabing a similiar issue?

  129. Kathie said

    How many more are going to loose their homes?I wish you all the best!And for those with the money to go after PHH all I can say outside of wishing you luck is ‘Go for it,man!!!Get them by the……neck & twist it!Rip their throats out!Legally speaking of course!If you can bring down that whole lyin,trick playing,scamming bunch into ruin please let me know!I want to be there!I am an old lady who was scammed,then had a double tragedy crisis but did they care?I am now homeless!Thanks to PHH!Can you imagine this?It’s not like I lost a job and oh eventually will find another!It’s not like I just thought it was a good idea to get my mortgage payment lowered!IT WAS NONE OF THIS!Listen,if anyone out there can help me Bless you!I am now desperate & will be dead soon if I don’t get any help!I am sickly!

  130. Michelle said

    Anyone who is having trouble with PHH Mortgage, assistance is available! I used a company Mortgage Foreclosure Experts out of Cherry Hill, NJ who had my modification with PHH approved after getting the run around for 10 months had a sale date issued and was denied for the HAMP program. Once I was approved through MFE my payment went from $3482.57 down to $2191.00. I highly recommend their company, they did everything they said they would! The man that helped me was Don their contact # is 855-463-3663 ext 102.

    Good luck to all -

    • donna said

      what was the approximate cost of this service?

    • Laurie said

      Michelle, I have been contacted by Don at MFE and offered their assistance to stop foreclosure on my home and get my payment reduced 30 to 60%. I am skeptical since reading various blogs on the internet. There have been complaints that they do not follow through on the negotiations and in the meantime you are not getting the notices from your mortgage company because you have signed authorization for them to deal directly so you are now out of the loop until suddenly you are notified that the foreclosure has gone down and you are being ejected from your home. I’m scared of losing my home and also scared of signing on with MFE and losing even more money.

      • Michelle said

        It was only (1) months mortgage payment

        Laurie,

        That is completely untrue. The only thing they requested is that I do not discuss any financial information with the bank directly and that any information I receive from the bank they need a copy of immediately. They were in constant contact with me throughout the process any even did a few conference calls with me listening in on the other line when I first enrolled. I truly feel they can help you, I was skeptical at first as well but when I wasn’t getting anywhere with PHH I had no choice but to put my faith in them, like I said I had a sale date approaching and had no idea what to do! They had my sale date lifted and had the modification approved. They saved my home, with (3) kids I had to do something and had no where else to turn…I don’t know where I would be right now if I didn’t put my trust in them…..

    • Donna said

      Was the payment Up front or after the modification? Do you live in New Jersey? Just wondering if the fact that PHH and MFE are both there ( and maybe you too) helped the process.

  131. Okay….I am wondering if anyone else is on a fixed income and has had the following issue. We received several months ago a new packet for HAMP…our other stuff was out-dated. Surprise. I fill everything out and mail AND email everything over to them. We get a letter for our trial period, but our income used was 2-300 dollars MORE than what I had given them! To make a long story short, Gilman Housing was helping us mediate with PHH and everyone they talked to and everyone I had talked to NEVER said what was finally said to Jody and Gilman Housing when she finally got through to a underwriter. They are allowed BY LAW to up my SSDI by 25%! I am saying right now that shouldn’t be allowed and lack of disclosure on their part, don’t you think?!

  132. LD said

    My Freddie Mac insured mortgage modification request is now being handled by Trott & Trott. Their website states that all modifications are reviewed “in-house”. I was approved & received a loan modification in March-there were errors-so I called & requested new paperwork WELL within the 5 day time period to address errors & omissions-discovered property had gone to sale 4 days AFTER I received modification & 8 days before I was required to signed mod. Because I did not sign paperwork despite the errors, they voided the modification & requested aTHIRD application (sent in March). I have called weekly for updates. I am told “in reveiew”. My redemption period has turned into a “review period”. June 22 T&T requested ANOTHER (FOURTH) application. Friday sent a packet to the MI attorney general detailing debacle. Used St Clair’s term: Death by Delay. I think T&T maybe be more receptive to a call from the Mi AG assuming the MI AG gives a sh*t…….This has been a nightmare………

    • St Clair said

      Refreshing to know that others are not not willing to turn their backs to injustice! Tott & Trott should be investigated! I am well aware of the crimes they committ. State of Mich Atty General; will probably send your complaint to the OFIR. I constantly try to get some light on this subject but for some reason… they refuse to investiate properly. OFIR tells me that they do not have resources to investigate forgery! Unbelievable, It is my signature that was forged, duh. They will tell you that they dont regulate loan mods as well… they are not on the CONSUMERS side whatsoever! I hope you go forward and send the complaint on… just so you can have some paper trail. Meanwhile, glad someone in Michigan is knocking on doors too! BTW; Candice Millers office cannot help me.. they dont have the resources either! Please, someone tell me, is anyone home in MICHIGAN?

  133. LD said

    Ck out Michigan statute 3205 (search engine). I would like to know what you all think……..

    • St Clair said

      I know of this program, I thought it was a good beginning but at the end – it is still under the banks control. It allows more time for the current homeowner which is definately a perk. ..

      If the State of Mich stood up for THE PEOPLE, we wouldnt be experiencing so many foreclosures. How many people in Mich have experienced the same as us, but were too exhasted to fight the fight? There are many reasons why some may have lost their homes, but as for me and many others, they are like thieves; trying to steal them from us!

  134. Michelle said

    To all…

    If anyone has any questions and would like to speak to me about my experience with Mortgage Foreclosure Experts I will gladly give you my contact information. After all I went through with PHH I will do anything and everything in my power to ensure they get what they deserve and helping people on the site is at least a start…

    Michelle

  135. Karolyn Michelsen said

    Hello All: (Calling All UTAHNS FIGHTING PHH MORTGAGE SERVICES and/or MERS)

    Do not know where to even start… I live in Utah and I have been battling PHH Mortgage Services since late 2007 early 2008.

    I will try my best to summarize…

    After bluntly being told by PHH that they were willing to discuss anything OTHER than a interest rate reduction/payment reduction/prin. reduction with me, my home was foreclosed upon on June 1st, 2009, my family and I moved out. June 8, 2009 PHH/REO Department contacted my attorney and stated they were RESCINDING the foreclosure, giving the home back to me to deal with and sell??? We were very elated at the time and saw it as a second chance, we questioned it but was given no answer?? We did not move family back into home but did re-list on MLS immediately. Over time received ridiculous offers to decent offers. With the decent offers we were able to contact PHH and offer through them (as servicer) the said owner of my loan its original loan amount back to them plus for myself to be 1099′d any outstanding interest and fees. Our loan officer had originally split our mortgage between a first and second mortgage so we stated to PHH that we also planned to give the second mortgage company more than the 3K they were willing to give. We had negotiated verbally with BOA to pay them anywhere from 25% of orig loan amount ourselves by selling any assets we had while waiting for PHH to make up its minds to 100% of their loan amount from sale of house.

    After five, six months of being told by PHH it was a great offer and (by the way this was not the first time we offered a payoff of original loan amount back to PHH) they stated they did not ever receive such offers of original loan amount and they often only received offers of 30-40% of loan amounts. They stated it was a great resolution and had a great chance of being approved. I became very inpatient as was the buyer, I called the manager we were in contact with at PHH and she then lit up and stated that “I was crazy and that she never had or never would submit such an offer to said owner of my loan because they would laugh at her and at me. They would never allow any other entity to receive its original loan amount back when they held all of the power and they would only be receiving its original loan amount back. She stated she was not trying to stonewall me but it would never happen. That conversation happened in mid to late 2010. Spring 2011 an Amended Notice of Default was filed against home and a second auction was scheduled. Same employee with PHH then stated that we needed to lower the price of home and if we brought them an offer of the BPO amount she could stop the second attempt at foreclosure, we did as instructed and they denied it as well. Big Surprise! They did attempt to sell home at auction for hundreds of thousands less than I had just offered them. WHY?? Two investors had made very low offers at auction and their offers were accepted but their offers were never funded. While that was happening, I had already filed my lawsuit/lis penden against PHH and various other parties. So the house remains titled under my name and I did move my family back into home to prevent anyone from trying to take possession of home while in litigation process.

    I ask why would PHH accept and pursue a much, much lower payoff amount than I had just recently offered them?

    Why was the first foreclosure rescinded?

    Is PHH even aware of who is the rightful owner of my loan?

    Am I negotiating with the correct owner?

    Are you?

    Obviously, it has been proven that the lenders receive so much, more by NOT negotiating with us and keeping us in “bad loan” status, no matter how great the offer!

    I am out to expose and prove the manipulation and am looking for others.

    Is NJ Attorney General continuing to work on claims against PHH?

    Thank you for taking time to read my experience, I welcome any comments or questions at demandchangenow@gmail.com. If you would like to receive my entire 8 page brief, please contact me by email and I would be happy to forward to you.

    Thanks Again.
    Karolyn M.

  136. LD said

    Karolyn..All I can say is….WOW! Unbelievable. If we’d had the same people monitoring the banks & government funds as monitored the car companies & government funds, PHH and many other banks might be held accountable for their misdeeds; not only by ignoring proper business practices in the wake of the bursting bubble, but by creating this bubble in the first place. My story is also convoluted, long story short, my “redemption” period has turned into a “review” period….March 3 sent 3rd application, June 22 PHH requested another (4th) application. Not updated info…a whole new application…sent a letter to Michigan AG, Freddie Mac, HUD, FHA….I do not expect any help. Only wish I could afford an attorney…..and slap them around a bit as they have been doing to me. Never in my life have I dealt with such incompetence. Or this could all be on purpose because as you said, there is more incentive for them to NOT work with anyone…I know several indivisuals who have had successful work-out plans with their banks/mortgage companies. My situation has made them very grateful.

    • D said

      Well I guess I too am one of PHH’s victims, I was “encourage” to apply for a “loan modification” and a year later, thousands of phone calls, I got a modification 2 months after my first payment was due, so I owed (2 months) a suspense amount of $1200, late fees, and could not get anyone to understand the fact that the “modification” paper work came 2 months after the first due date…I was 2 months behind before I even had a chance to make a payment, TERRIBLE!!! I just dont know what else to do…..I wish some HUGE lawyer company would sue the PANTS off them……I gave in and paid them to save my home, but I am looking for a way to get out of business with them!!!

      • LD said

        That is my biggest fear….finally coming to some resolution after the nightmare, only to become embroiled in another nightmare. Two weeks after being asked to complete 4th application, I was requested to “update” info with latest pay stubs..that would be two weeks worth..Good Lord!

  137. LD said

    Just received a letter from the NJ Attorney General. They are in fact, investigating PHH. They sent me survey. If there was ever a time for everyone to complain, it is now. Address: Office of the AG, Division of Consumer Affairs, Office of Consumer Protection, 124 Halsey St, 7th Floor, Newark NJ, 07102. Also, the Michigan Dept of Licensing & Regulatory Affairs (OFIR) is contacting PHH. When I called PHH, they know nothing of what is going on with my 4th application. I believe that Freddie Mac now has the house, 3rd & 4th applications & recent requested updates. I am amending ALL of my complaints to include Freddie Mac. Appears as though PHH is dodging some bullets here with the help of FM. It will be too late for me as I have to be out by August 8th. (inspite of still being “reviewed”-even worse to be kicked by govenerment agency who refuses to follow the edicts of the president).T&T stated a court would evict me I plan to have all my paperwork & tell the judge the story. I also included T&T in my complaints. T&T told me today they call “every 2 weeks” for status. Really????!!! Death by Delay (coined by St Clair)

  138. Robert said

    Hi Guys.

    Just see the recent letter from Division of Consumer Afairs. Like Selly said send masive complaints and all necessary documentation to them.

    CHRIS CHRISTIE Governor
    KiM GUADAGNO Lt. Governor
    Re:

    New Jersey Office of the Attorney General Division of Consumer Affairs
    Office of Consumer Protection
    124 Halsey street, ih Floor, Newark NJ 07102
    May 12,2011
    PHH Mortgage Servicing Complaint

    PAULAT.Dow Attorney General
    THOMAS R. CALCAGNI Acting Director
    Mailing Address:
    P.O. Box 45025 Newark, NJ 07101 (973) 504-6200

    Dear Consumer:
    I am writing ou behalf of Paula T. Dow, Attorney General of the State of New Jersey, and Thomas R. Calcagni, Acting Director ofthe New Jersey Division of Consumer Affairs, to follow up on a complaint you filed regarding your mortgage servicer, PHH Mortgage. We will be calling you within the next two weeks to obtain additional information regarding your complaint.
    Please be prepared, as best you can, to answer questions regarding your mortgage and your experience with PHH, dating from the closing of your mortgage loan until the present. We may ask for some specific dates or numbers, and are writing you in advance of calling you to give you time to gather any documents you may have and help you prepare to answer those questions.
    If you have records of correspondence with PHH, your most-recent billing statement, any notice of foreclosure, or legal tuings that will help document or explain your situation, please gather them and make one copy, as we will be requesting those documents.
    We may be asking you whether you received accurate information from PHH about what you owe and mortgage modification or forbearance options; how long any mortgage modification or forbearance application process took; whether PHH foreclosed on you or locked you out of your home and why; whether you received the same information from PHH over the phone as in writing; and whether you believe you were charged inappropriate fees or had your payments misapplied and why.
    Please be aware that while we are looking into your complaint as part of a larger inquiry, we cannot provide you with legal assistance or advice and, even if your complaint is substantiated, we may not obtain relief for you. Therefore, if you have mortgage-related issues for which you currently req uire assistance or legal advice, it is best that you uudertake efforts to address them. You may wish to contact a HUD-certified housing counselor at http://www.Makin2HomeAffordable.20v, http://www.hopenow.com, and the Homeowner’s HOPE Hotline at 1-888-995-HOPE, for free foreclosure counseling assistance. New Jersey residents can go to http://www.ni.2ov/dca/hmfa and http://www.NJForeclosureMediation.org. Or for assistance with legal issues, New Jersey residents may contact Legal Services of New Jersey at 1-888576-5529. Residents of other states may search for Legal Services providers in their State at http://www.lsc.gov.
    We look forward to speaking with you soon. Please contact me at (973) 792-4237 or ioe.iassolaJ,dca.lps.state.ni.us if you need any further information.
    Very truly yours, Joseph lasso Investigator

  139. LD said

    Robert, your AG letter is dated May 12, 2011….were you contacted or did you call? I received a two page survey on Tuesday July 18 to complete and mail back.

  140. Tara said

    ya went through my umpteenth package and 2nd trial period with PHH. this lasst one i was approved, made all my payments and am on my 7th payment and i read in the paper that i have and aution date. no letter no call from PHH. they are saying they disnt get my paper work. when i have the return tracking they signed for it in may! what a bad joke! I have been calling every day for 2 weeks and today i got hung up on twince and i didnt even curse! as soon as i mentioned they were being investigated my the AG “click!” im calling an attorney tomorrow.

  141. LD said

    Well, I have been doing some research on how to file a class action lawsuit. Seems not to be too difficult. In fact, found a law firm filing suit against Citimortgage See Below: This was copied from their website http://www.bergermontague.com or may be requested from the Court. The docket number is 11-cv-1432.

    “The Complaint alleges that CitiMortgage accepted billions in government bailout money under the Troubled Asset Relief Program (“TARP”) earmarked to help struggling homeowners avoid foreclosure. CitiMortgage, like other TARP-funded financial institutions, is contractually obligated to modify mortgage loans it services for homeowners who qualify under HAMP, a federal program designed to abate the foreclosure crisis by providing mortgage loan modifications to eligible homeowners.

    According to the lawsuit, CitiMortgage systematically slows or thwarts homeowners’ requests to modify mortgages, depriving borrowers of federal bailout funds that could save them from foreclosure. The bank ends up reaping the financial benefits provided by TARP-funds and also collects higher fees and interest rates associated with stressed home loan”.

    There are a few other suits “out there”…I am thinking it is only a matter of time before it gets crazy. A few annotated cases will be very helpful.

    I will have lots of extra time to follow up on a class action suit now that I am not contacting PHH, T&T…sending this, sending that….when there was never any intention of modifying my loan…

  142. LD said

    Copied, pasted and sent everyones comments to NJ AG with my survey (along with documentation). I know y’all are tired.

  143. LD said

    All 75 pages

  144. Donna said

    Thank You LD

  145. Donna said

    Has anyone done business with CapLaw or James Caplan PA in Fla. They want 3000 to try to modify my mtg.

    • Kathie said

      3000 is a lot of money!Honestly,there really is no such thing as a loan modification!And sure s hell not with PHH!I am a victim of their lying trick methods-I lost my house!I am a senior citizen who now has nothing!And this was through no fault of my own….circumstances beyond my control!So this should show you be forwarned!

  146. LD said

    Didn’t you work with a company in Cherry Hill?? Thought they helped you. It is said NOT to give any money to anyone saying they can help you work with a foreclosure issue. Based on all the research I have done, Tarp and mortgage servicers are a bust. Give it up….the house is gone. My loan went back to Citizens, who received 300 million in TARP cash with NO return to gov’t. They can do this since PHH is only the servicer and the “show the note” only applies to PHH (who showed the note-Citizens). Citizens gets the TARP cash, PHH gets to NOT help you, gets a wad of cash (can be up to 3X the value of your home from FHA) and you get screwed. I feel like Alice in Wonderland or maybe Alice in Wonderf**kedland.

    • Donna said

      I havent worked with any company besides PHH,,who doesnt really work with any of us “common” folk, as you know.. You are thinking of someone else. I did inquire about the company in Cherry Hill from someone on this list who claims to have had a positive outcome.

  147. Andrea Allan said

    Good contact an attorney, and you did the right thing by sending your information back to PHH with a tracking number . If you are able to get a class-action suit going,,, please count me in. They auctioned my house, they turned me down 3 times. routing me to India. Never able to talk to the same person. They’re the most self-serving, bastards I’ve ever had to deal with. I wish them all leaking cancers in their bodies and their families.

  148. Yvette P said

    What is a person with a mental disability and 2 young children supposed to do? Just got the paperwork in the mail that they are going to continue with the foreclosure sale. Got approved for a modification back in November. Got the paperwork with the trial period and it showed my income 25% more than what I gave them! After I had no choice but to deny it, because the income was wrong, and no answers from the “customer” service dept, Gilman Housing who was helping us get a modification, called a couple of times. Same answer…”We don’t know why it is that.” Then she calls and demands to speak to an underwriting supervisor or someone and they explained that they are allowed by law to up fixed income by that amount! Too late for my family since we now don’t qualify for a redo! I swear they are using my disability against me. I have wanted to send in a letter to the NJ attorney general’s office and cc our govenor and Senator Bernie Sanders here in VT, but because of all the crap they have put me through and with my disability, I haven’t been able to sit and concentrate and not end up shaking and crying to get the letter done! I can’t lose my house…I will be like that other woman where PHH found her dead in the house! I don’t know what to do anymore.

    • Yvette P said

      BTW….have been fighting PHH since 2008!

    • Kathie said

      Yvette,I have MS so I know about disability!Don’t let those b______ get you upset!First it makes them happy they succeeded because it gives them more advantage to screw you & second it doesn’t help you!Can I give you a word of encouragement?Go to G-d!He is our protector & will provide all you need & help you!I know what I’m talking about!I lost my house & my whole world!But I am here today because I leaned on G-d!I hope this helps you,hon!

  149. LD said

    So Sorry Yvette….you really need to write that letter. Especially since there may be a class action suit. You want everything documented.

  150. Chris Roni said

    Hi. We are starting a class action lawsuit against PHH – and will help to file complaints for Quiet Title, including Compliance Audit of your Loan. I will post information on where to contact if interested in joining.

    • Mike Clifton said

      Hello,

      My name is Mike from San Diego and would like to join in on yor class action law suit against PHH.

      I was foreclosed upon by PHH after being informed that my loan modification was going to be approved.

      • Debbie Ricci said

        They took my home after they told us they wouldn’t. They are crooks every time we called we got we are working on it or we are updating our system we found out by accident that they were selling our house when we opened an advertisement 4 days before the sale. We did all they asked paid on time every time they changed our loan modification. It was a mess there is more to the story but to much to write if there is a class action lawsuit from FL please count me in. Email me and let me know granddollarkitty@aol.com

    • Virginia said

      I currently have an attorney working with me. I will talk with her before making any steps to be part of this.

      My situation is clearly fraud, where they created and recorded false documents,,,etc.

      I do not trust this company or the lawyers that represent them. Those who are willing to submit their information to someone on line should be aware; you do not know who you are actually dealing with. Be concerned with the confidentiality laws and who the lawyer is representing.

  151. Andrea Allan said

    Yes, that would be good I’ve been waiting for a class action suit to materialize , i knew it was a matter of time. So forward info about this to me.

  152. LD said

    I too would be interested in getting involved. Not sure how the “quiet title” and “audit compliance” can help. I just saw the movie “inside Job” narrated by Matt Damon. Makes you realize who is is running this country. Certainly not the president or the people. Please send info…thank you.

  153. Mike Clifton said

    Please notify me of any class action lawsuits against PHH.

    I will be on-board!!

  154. LD said

    Detroit Free Press (freep.com) has a series of 3 articles that began on Sunday August 14, 2011, primarily focusing on the egregious actions of Fannie Mae & Freddie Mac. I highly recommend the read.

  155. Virginia said

    I am all for a class action lawsuit. I currently have an attorney working with me. I will talk with her before making any steps to be part of this. My situation is clearly fraud, where they created and recorded false documents,,,etc.

    I do not trust this company or the lawyers that represent them. Those who are willing to submit their information to someone on line should be aware; you do not know who you are actually dealing with. Be concerned with the confidentiality laws and who the lawyer is representing.

  156. Hi there everyone. My bf is currently going through the same thing with PHH. Like some of you, his situation also has fraud but he doesnt want a class action suit. He wants to go after them on his own.
    Does anyone here live in the New York City/Westchester area and currently have a lawyer? We are looking and would really appreciate any info on lawyers that you may know in this area dealing with PHH or loan modifications? Thank you!

    SB

  157. Hi. I have experienced pretty much the same as everyone’s posts… untruths, cloaking and then a massive attempt to foreclose. My house was damaged from Hurricanes Katrina and Wilma. The house was not habitable, but I paid the mortgage while also doing the repairs. Repairs took a while [almost 2 years..another story] to complete. I lived in an apartment and moved closer to family in another state – to help me with my child while handling all of this. Once completed, I thought I’d try to rent the house or something. My broker told me the house was upside down – I couldn’t rent it or sell it without taking a massive beating. I then contacted PHH to discuss Modifying the Loan. Since I was current, my broker suggested that I let it go one or two months late with the request. I did that, received the paperwork and was told that a decision would happen in 30 days. Within 30 days, they sent the file to an attorney. When I inquired whether the file was sent to an attorney and that someone contacted me, they told me NO – the file was not yet with an attorney and that they didn’t work with the attorney mentioned …it was a scam. Six months later, still no answer on the Modification and a Default for not answering a Complaint. It was at this point, PHH admitted they told me an error, in fact it seems that my file was sent to an attorney by mistake. So that was my initiation into the war 2 years ago. Since that time, we have pushed back and with a little research uncovered a ton of issues and non-compliance with my loan. I am attempting Quiet Title and then will pursue them for other damages. Crooks! I have also made a commitment to help some people like me to keep their house. [My contribution to the revolution :) ] Let me know if I can help anyone. My attorney in FL is also considering doing a class action. Best,

    • I could use some help here. I would be willing to discuss it more with you through email, but we are trying to find fraud in our mortgage, which I might have since we were late starting in April 2008 and tried and tried to get help from them. However, I found an assignment of mortgage not filed until December of 2008 from MERS/Fannie Mae to PHH Mortgage. What??? I would love to talk more with you. Let me know.

  158. LD said

    These banks & servicers are single handedly screwing up the intent of this program (whether one agrees with it or not) and the stucture of this country using tax payer monies at the expense of tax payers. This has resulted in considerably reduced taxes coming into the community (for fire, police, schools), empty homes, and displaced families who were and are perfectly capable of making their payments. It is a disgrace.

  159. LD said

    Well, I was to be out of the house August 8 (eviction date)…but decided to stay and see what happened…I just received a proposed contract from PHH….they call it “proposed”, yet request my signature be notarized. They also requested a “down payment” (cashiers check)… and enclosed coupons for 4 months of payments (dated March-June 2011). …I have increased interest rate, increased monthly payment and 10 years backended.

  160. Debbie Ricci said

    They took my home after they told us they wouldn’t. They are crooks every time we called we got we are working on it or we are updating our system we found out by accident that they were selling our house when we opened an advertisement 4 days before the sale. We did all they asked paid on time every time they changed our loan modification. It was a mess there is more to the story but to much to write if there is a class action lawsuit from FL please count me in. Email me and let me know granddollarkitty@aol.com

    • Kathie said

      See?It’s almost the same thing they did to me!I did everything they said too including paying what I could on the mortgage-they kept that too!Kept asking for updated info………last was on a tuesdau that friday they slapped a Sheriff sale on my front door!Here is the funny part!My house only sold for I think around $55,000.00(I paid close to $100,000.00-way overpriced for a house i this particular area & one that is falling apart),the mortgage payments are only around $186.00…….I was willing to pay $400.00!Ironic isn’t it?Yea,my story is a little more than this too!Suffice to say I was scammed from the beginning!There are class action lawsuits around but I don’t haoney to join any!I just want to see justice done!

  161. Kathie said

    I have a bug question here!Why are we not all getting together and forming some sort of…..I don’t know-protest group,justice demanders,something like this?We are all moaning & groaning here but still PHH goes on about their merry business of frauding & taking the homes away of some people who are poor innocent victims!This isn’t going to do anything to them!They don’t care what is written about them!Think of the poor homeowners who,through no fault of their own,now have no money or very little who can’t rent another place due to either not being able to afford the rent or maybe even foreclosure on their credit now!They have nowhere to go but live in the street like a bag person/homeless!Some may be lucky enough to have family or friends but what about the ones who don’t?The old ones?I’m frankly tired of hearing all this moaning & groaning & complaining!It didn’t help a lot of these people who have lost their homes!It’s not helping the ones who still have a chance to keep their homes!Do you know what a foreclosure on your credit report does to your credit?About 40% of these people will never own another house!Rent?Well in many years from now they might be able to at least rent!Come on,lets get real here!Yea,it’s god to get it out!But then do something!Your house/home was or is being taking away from you,some incidents all you needed was a little help,this is your HOME!And these are bandits screwing you!Maybe you don’t care really!Maybe you just like to talk!That isn’t going to fix things!Grant you,there are some here who pretty much brought this on yourselves!If you can afford a lawyer’s fees you could afford your mortgage payments without modification!So for those of you in this cause yourselves!And for those of you who were doing okay with the payments with no problems & just thought you would get a bit greedy & try to lower your mortgage payment excuse yourselves as well!The real victims here are the ones that had an illness or lost their job or had a death of one of the financial supporters in the home!These are the ones that truely need help!I m one of those!Thanks to PHH I will never be able to rent a decent apt. or own another home!I am old now so my hopes are gone!But I have G-d & He will provide for me!I hope & pray you will find some comfort in Him!I know I couldn’t have made it through without Him!Pray for those victims of PHH who have not succumb to losing their house yet!

  162. LD said

    I agree…just don’t know where to start with everything..we are all in different states. I can only tell people to contact the New Jersey Attorney General and local state oversight organizations. I have no doubt that something will come of this eventually, unfortunately too late for most of us….Fred Martin (PHH Homeowner Assistance Team) responded to my complaint. Full of lies that I had not responded, etcc…..I am sending him and the OFIR and the NJ AG my response. I have postal confirmations and fax confirmations, dates & names.

  163. Our office is about to file a lawsuit in the Buffalo Bankruptcy Court seeking to have a mortgage held by PHH Mortgage declared void and unenforceable. The mortgage in question was written in 2006 by a company called Century 21 Mortgage. Although PHH claims this is an “alias” for its mortgage business, our office can find no evidence on the NYS Banking Department website that PHH Mortgage was licensed to use that trade name in 2006. As a result, we believe the mortgage cannot be enforced at all against the homeowner.

    We are also seeking to have the mortgage declared invalid based upon the questionable PMI insurance policy associated with the mortgage. In this case, the bank is charging the homeowner $486 per month for PMI coverage on a mortgage amount of $130,000. The lawsuit will allege that the policy cost is nearly five times the amount that should have been charged and, further, that PHH may have received unlawful compensation from the PMI premiums. Under Banking Law 6-l and 6-m, the courts have the ability to invalidate high-cost and sub-prime mortgages for actions such as that alleged by the homeowner in this case.

    The lawsuit will also seek to prove that “robo-signed” documents may have been presented to the Bankruptcy Court already. Specifically, it appears that a mortgage assignment attached to filed court documents may contain forged signatures on behalf of the prior mortgage holder. The lawsuit will seek to hold the lender in civil contempt.

    Other claims under state and federal law will be included in the lawsuit. Fannie Mae will be named as a defendant, as will the issuers of the mortgage insurance policies.

    • St Clair said

      Mr. Grubea, I have submitted your post on to my attorney. I am experiencing the same with PHH; Misapplied payments, forgery & fraudulent recorded documents. Many homes are wrongfully taken by these thieves. They need to be stopped!
      Thank you for posting your information. VA

  164. LD said

    I wish my situation was as cut & dried as that! I am going to copy your comment & send it to the OFIR in Michigan who is currently investigating PHH (as well as the NJ AG).

  165. St Clair said

    LD, I live in Michigan and have gone the route with the OFIR. I have valid proof of fraud and this State turned it’s head on it. They are in bed with PHH…. They didn’t have to investigate… the proof was right in front of them.. in writing! PHH & Trott and Trott recorded fraudulent documents and the State of Mich OFIR believes it was ok… Something is wrong with this state! Please keep me posted… Virginia

  166. Kathie said

    Bravo!!!Now that’s more like it!Action!Not just moaning & groaning about how bad PHH has trated you!The only way to get these people is to bring them to justice!It’s like the bully in the school yard-as long as nobody complains & lets him do it he will keep on bullying you & everybody more & more!Thank you for taking action!I only wish those who have already lost their homes could either get their homes back or get compensated for their loss!

  167. LD said

    Virginia, OFIR sent PHH a letter. PHH (Fred Martin) responded with untruths (stated I had not followed up as required). I sent PHH and the OFIR my response with copies of fax confirmations and signed certified return receipts clearly showing I had followed up. At some point it is going to get very difficult for the OFIR to ignore the facts…at least that is my hope :o/

  168. St Clair said

    LD, I have also experienced the fraudulent responses they made to OFIR, and I also had wide open facts that they were liars. They could not produce evidence to OFIR like I did, yet… they took the side of PHH; the corporate entity… (we are nothing important to them.)..
    I tried to get someone from the attorney generals office to take a look at the fraud, but they handed me back to OFIR.

    I did sit down with the FBI for 2 hours…they saw the fraud, but not too many were complaining at that time… 2 yrs ago… they told me not to stop then and I haven’t.!
    I will not stop until I expose them!

    I appreciate your time and efforts – so we may help each other…

  169. zander said

    HELP, It has been 4 month and I am still fighting the fact I have paid my mortgage but yet I am reported 6 months late, no one will speak to me they just get nasty and say I was late, my bank was nice enough to pull every electronic,,, yes all were electronic payment stamp them that all were received and no one will look into it, the managers will not help they claim they cant go back to far but will not give me the department to speak to. I have contacted the Better buisness B. they say they cant help, I have contacted two times the credit report and they cant help. I spoke to a manager who said she will send me all my payment status, when i asked if i could call her back direct she said ,,,well i guess if im here. I said but the problem is no one will talk to you, she said well if im in the office I guess ya could call me …. what!!!!!!!!!

    I also have another issue that they sent my electronic payment back to me finding an error and then try to say they will forclose on my house, for 1 month? when ya ask for someone to look up records they dont find any.

    They lie, keep payments, dont take any notes and just keep lieing.

    To make everyone laugh i spoke to a girl in India of course because thats who tries to handle the account, I said when did ya get may payement for Jan? she said in Jan, ok when did ya get Feb.? she said in Jan. huh? When did ya get March? she said in Jan. I said are you even hearing yourself? she transfered me ,,,,, hahahaha but it really is not funny this is our homes.

    • slreddick said

      Zander, everyone is right; you HAVE to file complaints with every regulating authority who will accept your complaint. This has worked for me before. They are billion-dollar bullies and thieves. It is time to stand up. I also have had some incredibly gut wrenching experiences with collection agencies and their attorneys and winning a few now that I know the laws a lot better. PHH is subject to certain laws when it comes to debt collection practices as well, and they don’t adhere to them.

  170. zander said

    Oh BTW , everyonce I spoke to wanted me to do a loan mod. but I wasnt behind or havng any problems,,,, I filled out the paperwork thinking It may help me , thank god I was denied because my gas bill was not current, it was current 3 months ago when I filled out the paperwork but of course when they finally looked at it of course its not current

  171. Kathie said

    You’re wasting your time & effort if you plan to TRY to do a loan mod with PHH!They DO NOT negotiate ANYONE!!!That’s how I lost my house trying to get a loan mod!

  172. Bruce Goyette said

    EVERYONE …SEND YOUR COMPLAINTS TO THE NJ ATTORNEY OFFICE ; THEY ARE INVESTIGATING PHH. PHH ARE THEIVES AND CRIMINALS.

  173. Kathie said

    What’s their address & whom do we address it to?Thank you!Okay everyone lets get onboard here!

  174. LD said

    It is also good to still send compalints to the NJ BBB. It is easy to do on-line and it is how the NJ AG contacted me; despite the fact that I had them a letter with documentation. Just learned yesterday that depite my modification and having made 2 payments, Allstate is cancelling my house insurance due to a notice of foreclosure….tearing my hair out here………

  175. Tara said

    All, I think the Occupy Wall St. protesters although without a clear cohesive message are on to something. I think this is a cause we should get behind. read this article I read tonight, and google Occupy Wall st. we are not alone millions of people are facing our struggles and now the people are rising. You have all seen what the power of the people have done in countries like Egypt, and im not saying we need to overthrow our government but we can sure make it listen! American are tired of struggling to survive! and I work 50 hours a week and go to school, and do not take any government assistance so I dont want to hear that garbage that the young people are looking for a hand out!
    http://news.yahoo.com/mortgage-bankers-grapple-consumer-outrage-215726606.html

  176. Kathie said

    Bravo,Tara,bravo!Now this is what I have been trying to get across!Just sitting complaining is NOT….I repeat-NOT going to change anything!Strength in numbers!The squeeky wheel is the one that gets oiled!Okay,okay,I know they are goofy saying but they do get the message across!Come on,people,if we want change & get rid of the unfairness we have to get off our ass & start doing more than just moan & groan in a forum like this!Did I not call for getting together in groups some time ago?

  177. St Clair said

    My case is still in the courts hands… I was blessed to find an attorney that actually listened and understood what has transpired over the past – almost 3 yrs.

  178. slreddick said

    Hello everyone: I have been fighting PHH since last year. I filed several complaints, including one to the NJ State Attorney General’s Office of Consumer Protection. In August of this year I received a letter from them stating an official investigation has been opened against PHH. The problem is that they are understaffed, and by the time he returns my call, my home could be foreclosed on.

    One of the problems I have had is that last year PHH not only said we had to pay hundreds of dollars to cover escrow shortages, they raised our payment nearly $40. Then, in July/Aug 2011, they sent us a letter stating that they had over charged us $683.30, but won’t give it back until we are current! They either have to give us our money or apply it towards the payments we currently owe, but won’t. We tried sending them the difference last month, and they returned those payments stating they were insufficient + they charged us $35 per check. We have until next Tuesday to send them approximately $4,300 which includes disputed and other late fees, and DOES NOT include a deduction of what they overcharged us.

    I am starting the complaint process all over again in addition to the investigation the NJ Attorney General’s Office has opened.

  179. Andrea Allan said

    The Wall Street people are us they’ve been raped of jobs, that went overseas, they’ve also been downsized from so many american companies hiring people overseas ( just like PHH outsourcing to India) I believe we should join them. The greed in America is like an oozing volcano. We should pull our money out of all the big banks, go to smaller community banks and credit unions. The banks would soon be empty while having to pay employees, and their leases on their properties. Have you noticed since the banks have been bailed out, they sprouted everywhere, also took out huge campaign ads in magazines, television commercials, and advertising on websites. They never intended to make modifications with the TARP money they received from our tax paying dollars. They invested in bonds and the stock exchange how else could they pay back the Tarp monies they certainly havnen’t been making loans for homes. The foreclosure rate, and the suicide rate amongst americans is at an all time high. The banks should repay us for the past 3 years of police, fireman and ambulance’s going to homes where people have taken out themselves and sometimes their entire family. They’ve made us flood the animal shelters with our animals by illlegally forcing us out of our homes. They’ve made us go thru whatever savings we’ve had to keep our homes while we lost our jobs, or business’s due to a very depressed economy. Mayor Bloomberg has the nerve to say his police force is working overtime to watch the Wall Street occupiers- and that it’s costing the NY money. Maybe Mayor Bloomberg should’ve payed more attention to people emailing in their complaints about banks and mortgage companies not cooperating, and stressing homeowners out. Now it’s trickled down to people that don’t own homes and can’t get a job due to the greed of the Financial, Insurance and pharmacuetical industries. These 3 industries have the deepest pockets and that means they can afford to pay lobbyists that meet with politician’s running for or trying to stay in office. The lobbyist float money into their campaigns and then when these companies need a law passed or over-turned the politician’s make it happen. They’re all on the take it’s called Legalized White Collar Crimes.
    So in summation YES we should join forces with Wall Street,, the world is fed up and we need to let government and city officials know the gluttony has come to an end. Or others will be taking the law into their own hands as we’ve already seen in Rome, NY, and England. There will have to be a face soon to solve this global problem. I personally think Herman Cain is the man.

  180. Andrea Allan said

    National Mortgage News – PHH Loses Big PrivateLabel Customer …
    PHH Mortgage Corp., will be losing one of its largest private-label origination customers in Charles Schwab Bank, but will be adding five new clients for which it said this new business should more than offset any lost income. …
    National Mortgage News

  181. Andrea Allan said

    PHH Servicing Production Cheaper Than Buying
    National Mortgage News | Sep 9, 2011

    PHH Corp., Mt Laurel, N.J. is the only independent mortgage loan servicer that can internally generate new unpaid principal balances for its platform and thus its loan production unit can generate MSRs at a discount compared to the cost to purchase them, an analyst for Sterne Agee said.

  182. Andrea Allan said

    Go to this website, register and you will get all kinds of information on PHH spread the news, someone put it on youtube- Facebook and take it virile . This is what we’ve all been waiting for.

  183. Andrea Allan said

    Everyone should bombard any and all PHH employees
    with emails,

    InvestorsJames S. Ballan
    Vice President, Investor Relations
    jim.ballan@phh.com
    Phone: 856-917-4311

    Investor Relations Hotline:
    856-917-7405

    Please click here for additional
    Investor Relations contact
    information.

    MediaPHH Mortgage
    Jonathan McGrain
    Senior Vice President, Corporate Communications
    jonathan.mcgrain@phh.com
    Phone: 856-917-0066

    PHH Arval
    Dico Akseraylian
    Vice President, Communications
    dico.akseraylian@phh.com

  184. Tara said

    Friends,

    I just created a petition entitled PHH Mortgage: Stop illegal foreclosure practices., because I care deeply about this very important issue.

    I’m trying to collect 100 signatures, and I could really use your help.

    To read more about what I’m trying to do and to sign my petition, click here:
    http://www.change.org/petitions/phh-mortgage-stop-illegal-foreclosure-practices?share_id=ixxaMPRRAr&pe=pce

    It’ll just take a minute!

    Once you’re done, please ask your friends to sign the petition as well. Grassroots movements succeed because people like you are willing to spread the word!

    Tara

  185. Kathie said

    Bravo,Tara!God Bless you!It’s too late for me-They took my home-but I am there with you!If a group starts up here in Philly you better believe I will be a part of it!

  186. audrey higgs said

    i am a victim of PHH mortgage fruad scrams as well. they have done just the same thing to me as well as others on this post. i didn’t realize they have done so many people the same way…. something needs to be done with these inconsiderent so called mortgage company.i have lost my home as well. The house will be up forsale at the courthouse door on the 27 oct. i have been going thru this since 2009. I called them to see if they would drop my PMI insurance because that was costing me just 300 alone. my payments where 721.00 a month i payed my payments on time infact i got a reduced interest for making mythem on time…my income has decreased the house i bought had so much wrong with it i was going to court over the septic system. found out that was not upto code my house caught on fire from bad wiring and shorts in through the house.. just a month after i bought it. then like a month before i had to move out, it shorted out down in basement. my 11 yr old son at the time went down stairs and seen the flame we got it out. i should off just let it burn. because my family would have been better off but’ but since i’m not a crook and not a dishonest person i could not do such of a thing.. i went through alot like others have. its alot more to this situation.just to much to mention I:t was apraised at 62.000 . but they had me over a barrel. they told me that i can have the pmi cancelled for good payment reward so when i called they told me that the house would have to appraise for the aprraisal amount when i bought it. that where they got me because the house should not have been appraised for that amount in the beginning. i was told the house was upto code when i asked. before the closing. one thing if the insurance company would have know all the problems and not upto code they would have not even insure it, but they denied me of a loan modification but i sent them every thing on time like they ask for had them faxed and had a witiness sign as well. but the letter of denial said lack of information. so that one of the schemes they have done to several of us.never could talk to anyone other than the one that answerd. you could not even talked to a certain person you ask for.i call them constanely to find out if they had a agreement.. they kept telling me it was still under reveiw. one day i talked to one lady inface thier was two persons told me not to worry about nothin it will work out.

    • audrey higgs said

      I’m sorry i had to stop to take my daughter to work… they told me they was going to help me… i wouldn’t lose my home. The very day i talked to them when they told me that i just got of the phone the sherriff dept came to my door brought me papers for foreclosure. So see how this mortgage company is very dishonest… . So my advice if any one mention about a loan with PHH mortgage advise them not to proceed a loan with this mortgage company. they caused me and my five children to lose our home and i’m not one to not pay my house payments but i was not going to put good money to bad and when they refused to help me.I was willing to do whatever i could to fixed the home..I tried even before i called to see if there was anyway they could lower my payments if they would just help me. i called every agency i knowned to help me with the problems with the home… either they didn’t help in my county or no funds. i did get approved finally with Rural Development . he came out to inspect what neededto be done to the house and he told me that they would help but with my house payment being was over half my income he said theirs no way you can pay another loan. it will cost you as much to repaired than what you owe on it.which is about 57.000 dollars.I told PHH mortgage the situation I lost about 800.00 in my income because my childrens father could not work any longer because he became disable from a illness. it didn”t matter to them. i was so drained from worry that my home was going to catch on fire while my children was asleep. from the home problems as well as the situation i was going thru with PHH mortgage. So please put a stop too this mortgage company. Its very unfair for families who are doing what they are suposed to do and just get kick in the behind out of thier own homes that they where entiled too. like my situation all the money i payed in and don’t have nothin to showI i can see if the people was behind all the time and just wouln’t pay thier house payments.. but sometimes things happen which is out of our control so you think they would have a heart!!!! just a little anyway. I hope they get what they deserve. i’m not one to judge but it just unfair that they are getting away with it.

  187. St Clair said

    Please, any person who has posted on this site or any similar site… please check the county records that you live in. Look at all of the dates of anything that is recorded, be sure that all of the recorded documents are recorded properly. Especially after you recieved the foreclosure notice on the door. Be sure it is the correct lot description. If you find anything suspicious at all, post it here. I know how this company works… they steal, lie, cheat and don’t care about any human being! They are scum! I want us ALL to bring them down… I know that most don’t want to hear this but they do not have to offer you a loan modification…. but, to me, this is abusive and a form of malice… of how they treating the public.

    ST CLAIR

  188. Kathie said

    Audrey,did they tell you the house was in bad shape when you got a mortgage from PHH?Or,if you got an inspector did he just breeze through the home & passed it?This is what happened to me!Was ‘suggested’which inspector to get-turned out not only was I paying him but he was on their payroll!

  189. Tara said

    Everyone please make sure and sign my petition to stop PHH! I have been gaining momentum, up to 54 so far!
    Change.org|Start an Online Petition »

  190. Tara said

    http://www.change.org/petitions/phh-mortgage-stop-illegal-foreclosure-practices

    Sorry here is the link

  191. Tara said

    Hey all update, I have 66 signatures on my petition to Stop PHH. I recomend if you have any Occupy protesters in your area, that you make a Stop PHH mortgage Sign and join them. make sure to take pics and post them and send to PHH. if you google Occupy in a city near you im sure you will find them. I have 2 within an hour of me in Ohio. I will be joining the protest this weekend and will post pics. Here is the link to the petition if you havent yet signed it http://www.change.org/petitions/phh-mortgage-stop-illegal-foreclosure-practices

  192. getiton said

    Wow, amazing weblog layout! How long have you been running a blog for? you made blogging glance easy. The full look of your web site is fantastic, as smartly as the content!

  193. basm ghareeb ghareeb said

    Been trying to go thru the modification with them and I been waiting for 3 years and still nothing but lies.

  194. LD said

    Wow Anne…I wish I could say I am surprised. Despite being investigated by the NJ Attorney General (as well as the Michigan AG), they continue to undermine the efforts of homeowners trying to do the right thing. I would suggest emailing or sending a letter to the NJ AG. Here is the address: Division of Consumers Affairs PO Box 45025 Newark NJ 07101 Attention: Joseph Iasso. A complaint can be made via internet as well.
    I was supposedly approved for a modification, but despite having signed agreements & sending in the contribution amount & payments (on time), the last communication I received indicated that it was not up to PHH, but Freddie Mac whether or not I am actually approved. Really????!!! I have to give kudos to the NJ AG-they have been good keeping in contact with me–whether or not this has a good outcome (meaning I am not evicted) remains to be seen. My payments are higher and I was backended 10 years. The modifications are nothing but an opportunity for the banks/servicers to squeeze more money (via additional 10 years interest) from the homeowners; OH and lets not forget the free money from the taxpayers (TARP). Win-Win for them.

  195. Andrea Allan said

    Hi friends,
    I thought you’d like to know about this petition to Occupy the United States Government. you can read details by going to:

    http://www.change.org/petitions/occupy-united-states-government-government-officals-to-stop-foreclosures-pay-back-75-of-monies-earned?share_id=CePQVDcdrN&

    I had an illegal home loan modification and wrote to 12 government officals giving them details of my issue. Only 3 wrote me back and said basically nothing and referred to no other department of government. My attorney letter didn’t stop them from foreclosing on me. I owned and operated my own business for 22 years , purchased a modest home with a 10% down payment and bought as is from Fannie Mae. The stock market crash on Sept 15 2008,took the wind out of my business and for 2 years I lingered on going thru all my savings to hold onto my home. I had to give back my home and close the doors to my business. I hold all government departments responsible for not responding immediatly to the citizens’ who were reaching out for help when the banks kept losing our paperwork ,making illegal modifications and destroying our credit in the process. More shouldv’e been done by the governement after bailing the banks out and banks promising to make modifications.
    http://www.change.org/petitions/occupy-united-states-government-government-officals-to-stop-foreclosures-pay-back-75-of-monies-earned?share_id=CePQVDcdrN&

  196. Kathie said

    That is partly what I went through!Okay,my mortgage payments & house value were not as much as yours but the area/city I live in is not that great either!My house was bought at $90,000.00-way overpriced for houses in this area & for the rather not so nice area it is in!Monthly mortgage payment was(in the beginning)$762.00!Within not even 11 months the payment went up to $785.00(beside the point)!In the meantime I had suffered through a double tragedy crisis!Went through that midigation dept too!Yea,same old story-drag,promises,drag,promises……!We all know this story by heart!Anyway,all I wanted was a little lower payment!Here’s the funny sort of ‘got them back’ part!Yea,lost my house in foreclosure(was that needed to be said?)They put it up for $100,000.00!Now,we are talking about a house that was in bad shape to begin with but I was not informed about this,and though I tried I just couldn.t keep up with the repairs & I would have been better off just tearing it down & rebuilding it!Anyway,on the block it went for $100,000.00!Here’s the part I laugh at……it was sold for only $50,000.00!Okay,it gets better in my revenge dept!I could have afforded a monthly payment of $400.00-$450.00!Monthly mortgage payment now is less than $200.00 to whatever poor soul ends up buying that rotting hulk!It looks nice but I hope they have a boatload of money!Ah, revenge is sweet!Forgive me for that one,Lord!They screwed me from the beginning,well it now serves them right!

  197. LD said

    Hi Kathy…so sorry to hear about your situation. The travesty here is PHH investors are insured. If a house goes into foreclosure that insured by Fannie Mae or Freddie Mac, PHH receives ALL of the loan amount. Mac & Mae then resell at the grossly depreciated amount at the homeowners & taxpayers expense. PHH has more incentive to foreslose & because Mac & Mae are part of our free spending government, they don’t care.

  198. LD said

    December 24, 2011-Found a note hanging my door this morning requesting I contact Mort. Comp. at 800 330-0423 immediately. Initially thought it was a scam. Searched for number on internet and found it was the “delinquency line” for PHH. Ironically closed today. I have made all payment as required by modification agreement on time, certified funds sent certified mail with return signature. Anyone have any idea what this could possibly be about??? Recently sent letters to Michigan and New Jersey AG because I have not yet received payment coupons as stated in agreement.(Coupons were supposed to have been mailed within 30-45 days).

  199. Just a quick question: Thanks

    I was wondering if anyone has sent out a Qualified Written Request (QWR) and the proper PHH address to send it to.
    Reason being that I sent one weeks ago and still havent received any responses back by them. I dont put it past PHH to say, hey we didnt
    receive anything.

    Thanks again

  200. Kathie said

    PHH is notorious for doing that!Honestly,I believe you could personally hand it to the president/CEO and they would still claim they didn’t get it!

  201. Kathie said

    Let me ask something….New Jersey’s AG is on this but is there anyone in Philadelphia or even the state of Pennsylvania getting onboard to make PHH held punished for what they have done?And since when is a law firm allowed to own real estate?Couls eone please let me know on these?Thank you!

  202. Tara said

    Just got notification yesterday apparently PHH sold my modification to another corp, or they are changing their name idk. But now my 120,000 loan is 147,000!PHH will not provide me with any kind of statement of my payments being applied to my loan. I was approves for my modification a year ago and have never recieved a payment book. I dont know who owns my mortgage! I dont want to keep sending PHH money when they cant provide me a statement of my account! im not paying them a dime more! CROOKS I got a letter from the AG yesterday as well sating they are looking into it and to get help from the HAMP. whatever I still havent seen a single case of someone actually getting a modification.
    http://www.change.org/petitions/phh-mortgage-stop-illegal-foreclosure-practices

    • Lila said

      Keep making payments but contact (by phone!!) your state’s attorney general. Be persistent. I don’t know what state you live in but your AG should have a reference number for you to housing action organization that works on their behalf to handle these cases. Set up a consultation with a rep from this organization and bring ALL your documentation and record of payments (cancelled checks, bank statements, etc.) PLUS a letter written by you explaining everything you have suffered under PHH with details and dates. (If PHH is has not issued a payment book to you and a yearly tax statement showing principle reduction your payments are going into a slush fund! None of your payments are being recorded as mortgage payments which gives PHH the power to accelerate your loan and mess with your credit rating.) Send a letter with all of the above documentation plus copy of letter to AG to all PHH principles and threaten to sue if they do not give you a payment book and documentation that your payments are going to princile and taxes. Send as registered letters, return receipt, showing CC to all of the above. Most important! – give a set number of days for PHH to respond to you. 10 – 14 days. If they do not respond, get your housing rep to call them and repeat the set number of days to send booklet. If you still get no response call a housing attorney for help. I went through the same. Did the above and it worked.

  203. Peter McWilliamis said

    I also was treated the same way for 2 yrs and. 3 mos with my own loan modification request on my principal residence (all documented).Please send me the written
    Artical on this woman

  204. LD said

    Wow Tara—I would keep making payments. Just make certain you have records- I do return signed receipt showing when received etc because I fully expect that eventually someone will take the bull by the horns and make them be responsible for the unlawful acts. I have a backend of ten years that they cannot justify. I too did not receive coupons. Sent another letter to FIOR in Mich and CITIZENS Bank responded. I was getting calls for delinquency, hang notes on my door for delinquency–all while I have been making payments. Finally received letter from Fred Martin (PHH Home Owners Assistance) that all is good now. Got some blank coupons and hope this is done. This process is not for the weak. They will wear you down. Good Luck and wish I had answers for all the craziness.

  205. Kathie said

    Bravo!I lost my house due to these rats-their tricks,false promises,lies!Dragging their feet & acting like they wanted to help you!I had a double crisis tragedy & they didn’t care!They had screwed me from the beginning with the mortgage then again with the condition of the house!I am a 60 year old lady with no family & a disability….guess where I ended up after being forced out of my house!Get ‘em,people!For we who have lost the fight!See to it nobody else has to go through loosing their homes due to these rats!

  206. Elaine said

    Last March we received our discharge from Chapter 13 and rejoiced, the next piece of mail was a notice of intent to foreclose by PHH!! Fortunately, we had a great bankruptcy attorney who filed suit immediately with no upfront fees–confident he could win. Along the way the Trustee joined our complaint as a co-plaintiff. Finally, nine long months later, they settled out of court–paid our attorney’s fees and a few thousand dollars to us. They brought our mortgage current, promised to contact the credit bureaus to correct any negative information they had left, etc. We received the final court documents stipulating the above–the next piece of mail was (you guessed it) a Notice of Intent to Foreclose!! Their attorney apologized profusely to us. Thus far they have done what the court instructed them to do. My only comfort is that the attorney that handles their foreclosures in this area is also the attorney who handled this lawsuit, and he will have (hopefully) sense enough to know what is going on if they try to foreclose again! Meanwhile, we will attempt to refinance to get totally away from PHH!!!

  207. Kathie said

    Well,Congradulations!!!Somebody got PHH to do the right thing!Celebrate!Make sure you thank G-d for your lawyer!I am so happy things have worked out for you!One in a million but at least somebody got PHH!

  208. selly said

    Has anyone sent out a QWR to PHH and of so, I would so appreciate the correct address that you sent it to. If you want, contact me privately with the information. I would be so thankful.

  209. LD said

    What is a QWR and how does that help a homeowner? Despite my recently hard won modification, I want to continue my efforts to bring PHH’s nasty practices to light.

  210. Elaine said

    We live in Tennessee, and our bankruptcy attorneys were Harlan, Pierce and Slocum. I believe at least one of those attorneys was trained by John Gardner–specifically to deal with mortgage servicer abuse during the Chapter 13 process (a LONG 5-year commitment to repaying at least a portion of outstanding debt but also allowing you to bring mortgages current over that 5 years, thus enabling you to keep your home). Because of their poor record-keeping, PHH caused us to extend that 5 years to over 6 years by threatening foreclosure. Without a knowledgeable attorney filing suit on our behalf we would undoubtedly have lost our home–in spite of doing everything to the letter of the law!! PHH had NOT responded to the QWR near the end of our Chapter 13–only one of their mistakes that came back to haunt them!

  211. I’ve been down this road with them, They received a letter and phone call from an attorney I hired and they didn’t relent by that I mean they woudn’t talk about a solution. At this point I couldn’t afford a lawyer anymore. My business and savings had been strangled enough. I had to walk away from my home. But had I contacted my mayor, and other grassroot organizations I could’ve been entered into a class action suit. So if they’re squeezing you contact also the media. Bloomberg news, 2,4,5,7,9,11,13 CNN, 60 minutes especially. also your attorney govenor of Tennesse. good luck also check out change.org there’s a PHH petition there as well and more folks like you haggeling with PHH- They should be forensically audited and then thrown in jail. made an example of. Pay fines, give us back out down-payments.

  212. Kathie said

    Thank you Andrea,that is exactly what I went through only I couldn’t afford to hire a lawyer in the beginning!Glad ,in a way,I didn’t!I think it would have been very costly & in the end achieved nothing!And my house was/is falling apart-literally!I was fighting until a major repair wiped me out!That’s when I gave up the fight & basically walked away!It hurt(still does)!I am basically homeless now thanks to those b***********!But that is a good idea about the media!You know what I think…perhaps in our own towns we should get together start a rally or quiet protest…anything to get the media’s attention!I am not sure just one person alone would get the story told!Could this be a rally cry?Hey everyone who has ever been screwed by PHH get together,make up signs,start a protest/rally,march quietly along a busy street in your town……this will get the media’s attention!And everyone elses!Anyone in Philadelphia PA and/or surrounding areas are you with me?

  213. Elaine said

    It was sent to PHH Mortgage, 4001 Lendenhall Road, Mt. Laurel, NJ 08054-5452. However, I’m not sure that is a valid address any longer–I think they moved. That was back in July 2010, so I’m not sure what it would be now.

  214. We have given up. I suffer from Post Traumatic Stress Disorder and we have been fighting for over 4 years. No lawyer wants to touch this in this state. Foreclosure sale date of March 18th and there is no stopping it this time. Good luck to them selling this house here in the Northeast Kingdom of Vermont. We got a modification trial period paper and the first payment was due in October. But it was only $100 less than our normal payment! We make $2000 per month than when we bought the house! Found out that they add 25% to my Disability income and then added the PMI insurance on TOP of the 31% they are not supposed to go over! So we decided that is it. NO more. Start over.

  215. Karen K. said

    We applied for a HARP loan through Citimortgage the last week of December 2011. They asked us to pay up to $400 for an appraisal and other loan fees, which we did. They mentioned we would need to get our HELOC financer PHH to sign a subordination agreement which we felt wouldn’t be a big deal since they are already in 2nd position and we have no other financing against the house. Son on January 2nd we asked to to proceed with the loan and we authorized them to take the fees from our credit card of $365.50. Our rates were locked in until March 20th, 2012. At this point it was just a waiting game for all the paperwork to go through underwriting.

    On January 31st, I signed on for the loan status and it showed the loan was approved and asked us to call their offices for a closing date. I left messages for our loan processor Jeanne Mayernik and she called me back on February 2nd or 3rd and told me that the loan is not really approved, we still need to get the subordination agreement from PHH first. So we continue to wait. On February 22nd I call and email the loan officer again, she informs me that they still do not have the subordination agreement and the title company talked to PHH and they are putting a rush on it and if the rush happens it would be on the 29th of February so there is no way the loan will be able to close by end of February. So again we wait.

    At this point I am getting worried because our loan must be settled by March 20th. On March 8th, I receive a letter in the mail from PHH (The HELOC lender) which was dated February 15th but not mailed until March 6th stating they received the subordination agreement and were working on it. The letter gave me a number to contact for more information. Since I was having trouble getting my Citimortgage Loan Processor to call me back I thought I would call them and see what the status was. They inform me that they are still missing documents from Citimortgage that they need before they can process. I contacted Jeanne Mayernik through email and phone message and she called me and said she would fax the documents over and that PHH needs to get this approved and back in her hands no later than Monday the 12th or there will be no way it will close in time and we will start being fined about $32 a day until the loan closes. I waited about 45 minutes and contacted PHH and they said they did receive the documents but the subordination team had already left for the day. On Friday the 9th, I contacted Shane Donton of the subordination dept in an email and he emailed me back to say he got the documents and was rushing them through. That afternoon, I sent an email to see how things were moving along and at 5:51 pm I got a reply that the subordination was denied because our CLTV ratio is greater than 80%.

    So we are stunned because The Home Affordable Refinance Program (HARP) is designed to assist homeowners in
    refinancing their mortgages – even if they owe more than the home’s current value. We never knew this was going to be problem to get the secondary lender to agree to stay in secondary position. I have since found out that only a handful of secondary mortgage lenders are agreeing to subordinate on HARP loans. This is something I felt someone should have told us from the beginning, Citimortgage made it sound like this was not going to be a problem.

    I guess the most stinging part of the whole thing is that PHH was the original lender who did the HELOC as a back to back Loan refinance with us in 2005 and then sold our loan to Citimortgage but kept the HELOC. PHH did a FMV comparison instead of an appraisal for the loan value and told us we could refinance up to $223,000 and we told them no way, we ended up refinancing at $169,000 with a $20,000 HELOC. So if our CLTV ratio is greater than 80% its because PHH put us in this position by financing us for more money than our house was worth and now they won’t sign the subordination agreement which would allow us to get the HARP loan.

    So Thank You for taking the time to read this. I feel like we are not alone with not being able to get a HARP loan due to secondary financing subordination problems and we would like others to be made aware up front to contact their secondary lenders if they feel their LTV is going to be greater than 80% to see if they will sign the subordination so that they don’t lose $365 in fees like we did.

  216. petey yatsuk said

    take a look at this case in monore county florida.Case number CAK09720

  217. Maria said

    Attention: Please read.

    Hello everyone,
    I have a friend who is considering suing PHH Mortgage in a Class Action lawsuit. I have followed this site for awhile and have read everyone’s complaints. If anyone here is still adamant about wanting to sue them and wants to join this class action lawsuit, please contact me @ MariaWi70@yahoo.com. My friend is looking for anyone who has experienced parallel foreclosure, been told that they had to be in default in order to qualify for a loan mod, were denied paying any payments, loan mod took months/yrs, etc. Please contact me with your email, name, phone number, address and short summary of what PHH has put you though. *This is not a joke, this is serious*

    THANK YOU!

  218. St Clair said

    I just got off the phone with the FBI in Michigan. To investigate the unlawful, fraudulent and unethical behavior of PHH MORTGAGE/SERVICER; IF YOU HAVE EXPERIENCED FRAUD IN ANY FORM OR ABUSED, RIPPED OFF…. PLEASE CALL THE FBI AND REPORT IT TODAY!

    PLEASE DO THIS… IT IS THE ONLY WAY TO STOP THEM…

  219. Tammy said

    In 2008 I purchased my property from Instamortgage, Mt Laurel, NJ. Which two months later, I received a letter that their name was changed to PHH Mortgage Corp. In July, 2009 I requested for a HAMP Modification (on an FHA Loan). After receiving a Hope/HAMP package, I was reviewed, processed and pre-approved for a HAMP/FHA Modifciation. Eight months later I was told, I was given a “Special Forberance” to catch up on my bills, and had one week to make three consistent payments of the actual mortgage payments. I called and notified PHH Corp. that I was pre-approved for an FHA/HAMP. I was told I no longer qualify because my FHA Loan was no longer with FHA and the new Investor was “Jenny Mae”. I asked to get that in writing, I later received a notice that the FHA/HAMP Modification was not approved because I had missing documents. This has now been going on date, June, 2012. Later, in 2011 I received a PHH Mortgage “IN-House” Modificiation with higher payments and a request for a donation to make out to one of their P.O. Box office in Maryland. I declined the modification, for the simple fact that it was unaffordable. I was given a month later, a new In-House Modification with a deduction of $50.00 and a lesser donation to be made, to agreement with the modification. At the same time, I received a letter that the name Lender was a bank in the state of Florida. Called the “new Lender” Ever Bank. There is an Ever bank but Ever bank did not hold my loan, nor were they the Investor. I have decided to File Chapter 13………and my attorney was able to find, Code Violations, Court Violations, document fraud, and tampering with federal and state violation codes of conduct. Not to mention, it turns out Instamortgage, PHH Mortgage, ERA Mortgage, JP Mortgage, Citi Mortgage, Wells Fargo,Codwell Bankers, PHH Mortgage Services and a few more, are all Licensed in the State of NJ and are all one Company, with various subsidersry. PHH Mortgage may not be just your Servicer (unless you loan was sold to them as your Investor), in most cases such as mine, they are the Lender and the Investor, who claims PHH Mortgage does not participate in the HAMP Modification. My my letters from PHH Mortgage tell a contradicting story. Once you file Chapter 13, this allows the Lender to actually appear in court (oh wait most of the time it’s their private attorney) which only work directly with PHH Mortgage to foreclose on your property and also receive large incentives for closing on your property. Each time I’m in court, the PHH Attorney has nothing on his defense, also because PHH does not provided their attorney with the actual truth, and each time PHH Mortgage sends out a differenct attorney to represent them, eventually PHH Mortgage Corp., PHH Service, must appear to court. At the same time, PHH Mortgage has filed dual paper work, PHH Mortgage has tired to foreclose on the property in the State of Florida, and I reside in the purchase property in the State of NY. Also, I’m being told that since 2009 my HAMP Modification worksheet, paystubs, and other requested documents were not submitted in a timely manner to date June, 2012. You think I get it right after 3 years? Well, they do everything in their power so you don’t seek Legal Advice, and will delay, and tell you that the Modification is being processed. Everytime a nice PHH Mortgage Representative comes on and sounds nice, polite and so helpful, it’s their tacted as a PREDATORY LENDER!!!! it’s how well they’re taught and corrupted! You will find a website on a woman by the name of Olga D. (from Bronx NY) “Preliminary Statement” vs PHH Mortgage Corp. where The Honorable Robert D. Drain, in the United States Court , case Number: 09-22261 dated 09/09/09 – PHH Mortgage was found guilty of Fraud and this happy home owner, was awarded her property through filing Chapter 13. Not everyone will win their property (even thou her story is identical to mine), the Attorney has requested we sue PHH Mortgage under the Loss Mitigation. However, reminder it’s a very long process and expensive. At this time, I have nothing to loose, PHH Mortgage refused to take any monies from me, unless I pay back, their late fees, attorney fees, and legal fees for paper filed for foreclosing. I don’t have a sale date, I’m being told I will be offered a modification. But honestly, do I want to stay with this lender? It’s a choice I must make, I’ve decided if the Judge can negotiate a Modification, mortgage payments and other utility, credit card payemtns, car payments, etc. for five years will be made through the courts, and the bankruptcy court will monitor your payments (for 5 years) and will allow them to monitor the Lender. If your home is worth it to you, and if it’s affordable to you….go for it!!!! If the Lender can not provide in court who holds the promisery Note on the Property, the Lender nor Investor, or Servicer can foreclose on your property. Begin to read all those documents you received at closing, and find if your loan was indeed a Predatory Loan. Write your compliants to the BBB, FCI, FBI, your State Legislator, your Mayor, anyone you can think of, write to your local newspaper. At this point, I’m okay with loosing the property but not to fraud!!! I refuse to stop fighting until my case is proven in Court!!!! I’ll keep you posted. PS: All documents are no longer being sent to PHH Mortgage or their Attorney Shapiro & DiCaro, Barak, LLP……it’s being directly forward to the courts for review. Good Luck to all! I will keep you posted.

  220. Janet said

    I have been making our payment electronically for the last 2 or so years, and begain having intermittant problems accessing their ‘mortgagequestions’ website in recent months. Today was my THIRD phone call regarding this issue. Their customer service dept. is now in the Phillipines, where their reps are well-trained to politely repeat “I am very sorry for your inconvenience, Mr/Ms._____”. Twice I was told that the problem was my web browser; I commented that if it were a web browser issue, I would also experience difficulty with my other banking and mortgage sites and was then told that they are “upgrading their website” That was about 4 months ago, and today I was given the same ridiculous story. What reputable company takes more than four months to upgrade their website? Given what I’ve learned of this company’s reputation, these website shenanigans just may be a strategy to collect late fees! Few people have the time or energy to deal with this kind of chronic incompetence from a service provider! It is time for American citizens to stop being passive when dealing with companies that are incompetent and/or blatantly DISHONEST. We have reason to be ANGRY, and we should let them KNOW that we are ANGRY and we will not be nice or quiet about it any longer — we deserve ANSWERS and FAIRNESS. May each of us STAND UP BOLDLY and let them know that we will no longer SETTLE for their oh-so-polite excuses, and that WE WILL MAKE OUR COMPLAINTS HEARD WITH OUR NEWS OUTLETS IN PRINT AND ONLINE, ALL CONSUMER FORUMS, AND WITH EACH AND EVERY APPROPRIATE REGULATORY AGENCY UNTIL THEY ARE FORCED TO DEAL HONESTLY OR BE PUT OUT OF BUSINESS.

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  225. kathie Higgins said

    We have been trying to have our PMI removed from out Loan, our loan papers stated that it was to stop automatically in Aug. of 2011, we just realized this in Sept. of this year, we are also trying to stop our Taxes and Insurance from being included, the only people that will talk to us is Customer Services which they have told us they cannot help us the gentleman who is in charge is Romeo Joson, this gentelman will not call us back, we have been told he has 1 hour to repspond to our inquirey which he has not, we recieved a letter 2 weeks ago stating that they will have everything fixed in 3-5 business days we are now on day 17, we are writing complaints to everyone however they still keep taking PMI and Taxes and Insurance out even after a request has been made to stop and they did admit PMI needs to stop. Now what any ideas?

  226. They say that they are “honest and ethical everyday”… well this is for everyone who has been stepped on by the (real) other side of their spin!!!

    Please visit our Facebook page and make your complaint known… https://www.facebook.com/ShameOnPhhMortgageRbsCitizensBank

  227. jean said

    PHH approved us for a short sale, and then denied the offer. Then it sent us an unsigned “contract” for a deed in lieu, which bound the company to nothing. The BBB, the government, etc. are all part of the problem. The agencies are designed, by their very nature, to stop regular people from actually doing something. It is time to refuse to ever participate in the “American Way” again. Never take out a loan – ever. That’s the only way to bring down the system. After all, “loans” are nothing more than monetizing your signature. The banks don’t actually lend any of their money to begin with. Folks, Medieval Europe fought against usury for a reason. Usury creates poverty.

  228. Grace said

    Hello Everyone -

    There was an independent foreclosure review conducted last year and PHH Mortgage was not on the list. I was mortified when I did not see their name on the list. I made a phone call and asked why PHH was not on the list and I was told that they would have had to come forward and request it. Yeah, like this shady company will do that. I have sent an email to the Federal Reserve Bank requesting that somehow another review be conducted. I recommend that you all read this article and contact the Federal Reserve Bank and file a complaint. The more of us that do this the more chances that something may happen.

  229. BJ said

    In May,2012 we fell victim to PHH and their fraud. Has FBI been able to assist You? I am ready to contact them if they help.

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  233. jill said

    This is happening to us right now. Almost verbatim to what you all are saying. I am in the process of FINALLY getting it fixed and now reading all this – I’m to nervous to send it in. Don’t know what to do.

  234. Rebecca Aase said

    Unfortunately, I already lost my home due to PHH and their illegal practices…not only did they screw up my modification completely so bad that I had to deal with the district manager, one year after my ‘modification” was complete i received an overnight envelope with new paperwork stating they screwed up the first set of paperwork….later, they sold my mortgage twice and claimed I owed more than 7k due to the fact they sold my loan, the “balance of the modification payments” was due immediately…I NEVER missed a payment EVER however one company sps bought my mortgage and never reported my payments to the next company that bought it months later!!! And Phh never reported my payments to SPS! It just makes me sick. I have lost my home that I worked so hard for due to their negligence. It just kills my heart, My children and I have had to move twice since then. I am disabled and my daughter is special needs so moving is not easy for us. I hope PHH burns in he-double-hockeystick for what they did to their customers!!!!

  235. James Cox Pittsburgh, PA. said

    I am very surprised to hear that I am not the only one being duped by PHH Mortgage Company. I recently modified my loan and a new payment agreed upon and contract signed and notarized. I was placed on a three payment probation making the new payments at the new rate. I received a letter stating that I had successfully completed the probation and my new payment coupons at the new rate would be sent to me. Upon receiving the new coupons the payment was nearly what I was paying before the new agreement. After contacting PHH Mortgage I was told they made a mistake and they had not properly addressed my escrow. I asked them why they had not investigated this before a new contract was signed. I was given the run around and the person assigned to my case informed me that she no longer was handling my case. I feel the escrow issue should be addressed through my new payment that was agreed too. I was very hopeful to remain a home owner and keep my home. Now I’m wondering if I should just walk away from the property?

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  237. Carolyn said

    I did receive a payment from them on their settlement; however, I did request information as to why I was not given the full amount because I waited 9 months for an answer that should have taken 30 days. I submitted my re-modification in February and was told 30 days. I emailed over and over for 9 months and I was bounced between 5 agents, (and I have their names) who kept saying, “we will have an answer 30 days.” This went all the way to September when they sold my house. I have every email and every documented phone call which was over 80 hours! Every SINGLE time, I was told “24-48 hours.” I was on the phone when they sold my house after they told me I did not have to go to court because my loan was “pending.”

    Then the month of August, I was told I had to send updated info, even though my house was up for sale in September. They literally dragged this out for 9 months, even AFTER they stole my house. I was so hurt because I DID everything they told me to do. They were extremely unethical and what they did was illegal.

    I have over 200 + emails back and forth from these people. They sent me on a true “dummy run.” I put 0ver 15K into my home that is now empty. sad…

    Terrible customer service; however, I am dealing with a wonderful person now who is researching my info. I hope they will give me decent news. I’ve got some good advice and support from Ohio Attorney General who have advised me to hire an attorney. But I don’t want to do that. I want to give everyone a chance to save face.

    I’m not sure what kind of leadership this company has, but this all comes from the top as far as their behavior with customers. We have to remember that employees do what they are directed by management, so in the long run, management is responsible…period.

  238. Bryan Kelly said

    I live in Nebraska and PHH has been my lender for 13 years…I have problems with them last year and currently have been foreclosed upon. They were telling me to apply for for re modification and I got requests for more info, or they didn’t get it. I was told twice I didnt get info in on time…but to reapply again. They changed case managers on me during the process and it would take them a long time to get back to me. Recently I have contacted the State AG here one Nebraska and New Jersey. If I lose my house I want restitution and my credit cleared.
    Are there any class action law suits? Contact me via email please.

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