PHH Mortgage
Reviews and Complaints

PHH customer service is awful. I’ve been trying to fix my escrow account because they incorrectly calculated my upcoming tax payments, and I can’t find anyone to talk to who can understand simple math. They say they’re investigating the issue, then I never hear back, and I have to start the process all over again with the next incompetent customer service manager. And I’m not allowed to talk to anyone who actually calculates escrow.

They are pretty unprofessional, scandalous like CitiMortgage...they don't send payment information and their company is totally SUBSTANDARD!

I'd rather [censored] then deal with their BS!

We have been trying to remove our PMI from our loan now for 2 months along with taxes and insurance, the PMI was to come off automatically Aug. of 2011 I only wish I would have remembered this back then, getting a refund is impossible getting them to return a phone call is a joke, Romeo Joson who is suppose to take care of this refuses any calls, their company policy states that someone will call you back within an hour we are still waiting from Sept. 17th, we are starting process of refinancing somewhere else but until then they owe us about $2200.00, we are filing complaints with everyone that we can. My advice is when looking for a home loan ask what company your Credit Union goes through then run if its PHH.

PHH mortgage has really messed us up! Not only our credit, but our money too.
We applied for a home modification to get our interest rate down, They advised us not to make any payments until the modification was complete.Six months and still no response from PHH, after calling them every other day, our property got assigned to a foreclosure attorney in Mississippi. They kept asking me to send in more papers, update more papers, they are missing this and that. Well, since we were getting further and further behind with our payments, we decided to reinstate the loan since it was obvious PHH wasnt going to help us. We sent in $22, 455.71.
This is what the attorneys reinstatement letter said: $20, 760.16 went to payments and late charges..$305.17 to additional late charges, $16.79 for pending late charges, $735.84 for corporate advance balance, $336.75 other fees, $165.00 and $101.00 for attorney cost and fees.
This is not at all how PHH website broke down the money. We were charged so much more in late fees and other charges. My balance before this whole thing started was 46, 000 and now with paying 22 thousand dollars, its $41, 000? And on top of all this, they raised our monthly payment more than 200 dollars a month because they say we are negative in our escrow account. How can this be, when in June 2012 we paid all that money to get everything current. Someone please help. This is crazy.

Our original loan amount was 52000 opened in 2005.

I had the same problem with the Loan Modification. At the end of it all, over a year later, my payment droped by $30.00 a month, my principle was raised by over $1000.00, and my term to pay off the morgage was raised by 7 months. I also had credit reporting problems. 5 months after this was completed, they said I was about $1000.00 short on my escrow! How can that be in only 5 months? They saidwere going to pay that off with some past principle money that was paid, and week after week after week, someone told me they were going to do that RIGHT NOW. It never got done. Then one person told me that the case hasnt gone to the courts yet, and I would have to wait til it did. 6 weeks later I call, and now they tell me I waited too long.
WHAT A NIGHTMARE! THIS COMPANY SUCKS!
I would sue if I could!
Michael Harry
Chicopee Ma
guitarman3599@yahoo.com

I had the same problem until they sold my house. if anybody want to sue phh please let me know i want to be part of it

well my friend was dealing with Chase Mortgage and she fell in to hard times and tried the "Obama Plan" and was told by chase almost exactly the same thing you just described. She sent 100 of dollars of copies of forms, mailing, faxes etc over and over and over just to be told we got it then boom we didnt get this form. I really believe right now ALL mortgage companies are doing the exact same thing. I have been having problems also with PHH since my bank sold me to them. I got behind 3 months and sent them a payment they refused it said it had to be 2 payments I told them they take one or come get the house they refused sent it back then they got it back and I fought for days and they kept saying 2 payments but finally they took it and cashed it so they couldnt send it back. Then I sent 100 one week and then 34o next week and my payments are 421 so they said they couldnt take that either cause they dont accept partial payments I said send it back and I will combine them both they said No they had to have two payments although now Im only 2 behind but they took them after another bout of fighting. PHH is nothing but a rip off and they dont want there money little here now and later they want it NOW even though they are still getting it with late payments they are a greedy company just like my friend found out with Chase. Oh yea after 1 (one) year of doing all these forms and stuff what did Chase do but sell to another company her loan and she had to start all over however in less than 3 months they foreclosed on her house and has gone to court with all her stuff and from help from operation Hope or whatever it is called and which is assoicated with the "Obama plan" which says they will get your loan down to a reasonable payment and locked in to a fixed APR and stuff well guess what her payments will not change her APR will be changing and not fixed. So beware of all these scams out there. I honestly believe they (mortagage companies) got us in this mess on purpose to get all these houses back so they could double dip. And here we are sitting ducks for another round of being ripped off

We recently applied for modification through PHH. We were turned down despite a $30, 000 reduction in salary and 4 months of unemployment. The solution was to raise a payment so we could make up what was past due. Which would have increased our payment by $500 for 6 months. We ended up borrowing from family to make up the past due. Still barely getting by and unable to repair our vehicles that we use to get to work. Seems PHH/Fannie Mae don't care to help customers who were in good standing until faced with financial ruin. Makes me sick that we had to bail out Fannie Mae, but no help to PEOPLE in a situation that is not controllable.

My issue with PHH is that in 2008 we went through the loan modification process. Sincec then, every November they stop cashing checks and entering them as received. Then by february they are foreclosing on us. Which at that time i have to wait for them to return, at the same time the last 4 payments they "never received", along with $3000 lawyer fees. I started tracking payments in 2012. When they tried to foreclose, that day, i contacted their attorney about it before they even had documentation to start the process. They didn't want to talk to me without them being notified I was In foreclosure. I said ok, but to let you know they are in the wrong, i will send you the backup payments i saved to cover this, along with proof of my cashiers checks, overnight delivery receipt from the post office along with the name of the person that signed for each one. They had my info in their hands the next day before their clients paperwork. A week later i got the now 4 months overpayment back along with the attorney dropped their portion of the fees, $2000. I still had to pay the PHH fees. 2 months later they suddenly said we were short in escrow, resulting in our monthly payments going up almost $200 a month. The amount they claimed we were short was dollar for dollar what the attorney dropped. Our Insurance and taxes had not chaNged And our escrow balance is running the same month for month as previous years corresponding months. But the interest paid is significantly higher, even noticed by our tax preparer. After the increase we switched insurance that was $90 cheaper a month. but our payments still never changed. Escrow still on track. Principal still running the same. Interest increased again. So it appears they are pocketing any changes since the drop from .8 percent to 5 from our modification. This year, they were not able to force forclosure on us as I am sure they got wordscfrom the attorney about the documentation of them holding payments when i had proof they had them. Instead, i now receive up to 3 calls a day from them, no messages left, starting 5 days before the month, every day till the 10th. Then they start leaving messages and mail out an intent to foreclose. Our payment does not even need to be in till the 16. We already have an attorney i turn monthly receipts of cashiers check and post office overnight mail receipts to. he is just watching and desperately waiting for them to send the letter that they have started foreclosure processing. He said this is a known tactic lendors are using to get their money back they loose in your modifications.

I have gone through the Loan Modification Program with this company and it has been unbelievable. It is April 12, and I still have not gotten my 1098 from these people, is only part of the nightmare I am on with this company. There customer service is the worst, they say they will send or email you something and never do.
They don't care bottom line! I have talked to at least 20 different people since Jan 2011. I was approved in February 2010 (after almost l whole year after I first applied) for the Loan Modification Program, my payment decreased enough that I could afford it until my income would change, so I thought I was set! Oh no a year later they are telling me (There Missourri location) That my house is in foreclosure and there is no record of any payment for a 2 years. I was shocked disgusted, called once a week to find out what the heck was the issue! Everytime talking to someone different, and each one had a different story.
Now, just last week they sent me a payment due for lack of escrow and my monthly payment is going up almost 400 dollars a month. What!
So my income has'nt gotten any better, so how am I suppose to pay this. My original agreement for my Loan Modification was that they borrowed more on the equity of my house to help pay arrearage and put money into escrow for my property taxes for 2 years! Where is that money? I pay my own property insurance direct monthly.
So what is going on! Now after reading all these complaints against this company I am scared that I will end up losing my only investment due to the ignorance and lack of human decentency.
Do Not use this mortgage company!
Thank you all for sharing your stories also!

We have went through the very same thing and I want to go through the links you mentioned. They are actually foreclosing on our home now, after holding the payments then returning them to us when they did finally "find" them stating our file was forwarded to the atty to proceed with foreclosure. Unbelievable! Any additional info you have would be very helpful.
Dallas D.

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 - Riverview, Florida

This letter is in concerns to PHH mortgage (AKA: Century 21 mortgage, mortgage service center)

Company information:
PHH Mortgage
1 Mortgage Way
New Jersey
United States
Phone: [protected]-6914
phhmortgagesolutions.com, mortgagequestions.com

I have had our mortgage since 2007. I worked at Century 21 as was told to go through this company that they were best to deal with. I was given wrong information

This whole ordeal started when I made 2 mortgage payments to them, and they applied to the END of the loan instead of to the next 2 due payments. We then find out (only by looking at my credit) that it was showing us being in past due status? I called the company and they never could tell me why or explain this to me. All that they could tell us is that this could not be reversed and we would be behind.

Finally after talking to many employees, I am told they applied to the end of the loan and that it couldn't be reversed and until we could make the extra payment we would be behind or our mortgage! They tell me they are also charging me a $10.00 per day for a late fee. They say there's nothing we can do about this but to pay it.

Our daughter was special needs and required 24 hour a day care so we had an income reduction. I call the mortgage company about the so called “late payments”, who says we can get the "home saver advance "to catch up all late fees/missed pmts. All of our income and debt information was taken over the phone and we were told that we were approved and that we would get the paper work soon.

Once we received this paperwork, We got all of the paper work saying we were approved & this was signed and then sent back to them. We were told to keep mailing our pmts as normal. We did this and they kept “holding payments”. Once we contacted them we were told that they didn't get the payment", "oh we haven't got it" even though it was mailed 3 weeks before.

We then find out per loss and litigation (per Linda) that the checks were there and just hadn't been applied? She said they were there in "loss and litigation" She said she did this for us and the home saver should kick in soon and we will show current and this would be deleted off my credit. I notice in October its still showing late on my credit report? Every check that I mailed them, they would wait three weeks or more to apply to my account or would say they couldn’t accept from me.

After many calls trying to find out where the checks that we were mailing them has went to, then they are saying we were now" having the home saver advance pulled” that the program” was retired. I do not understand how they can deny you for a program that you have already been told you were approved for and have all of the paperwork for.

So now we have to” catch up" on 4 pmts (which is what was supposed to be rolled into the home save advance) PLUS late fees for 4 months that we were charged!?!? AT no fault of our own. So now, because of PHH my credit took 4 hits showing late, plus we have 4 pmts to make, as well as late fees for 4 months time! We have spoke with people named Linda and Alex in loss and litigation who said we were "fine". All that I want is I want this off my credit as this isn’t OUR FAULT we got APPROVED PAPERWORK, then was told "oh it was retired”, so we pulled it from your acct? How can we get approved in July, but then pulled in October?

After many calls, we were them told per Joan that we apparently were "sent the wrong paper work by THEM and this is why it got kicked out of the system”? WE were NEVER notified of this! In calling for months, no one ever mentioned this. Joan said a Mr. Joe Hill got our paperwork by mistake and we got his? Which is not our fault? It had MY NAME on the paperwork that I signed and returned. Not a Mr. Joe Hill.

My husband is military and has been for 10 years now. We will be moving soon and thanks to PHH it now looks like we were about to "lose' our home, which isn't true! NOW, we are messed on getting a new home with my name on it as well as any other loans! This is showing on my credit as late! No one will let us redo our mortgage since the loan was in my maiden name my name MUST be on the new loan per mortgage loan rules. But, because of PHH mortgage, no one can approve me since I am, “past due on a current mortgage”.

We spoke with several people, one names Linda in loss and litigation, one names Alex, one name Porche Stevens, one names Desiree, one named Tanarra and the last one was named Joan.

I requested a payoff statement from PHH and they said they can not give that information over they phone, only per mail. I get this and the statement says that we owe more now in 2010, then we even financed in 2007. After paying at least $27, 000 to our home over the past few years.

We have contacted the BBB, as well as the FTC. I also have done hours of research on PHH mortgage scams and just learned they are doing the exact same thing to me, as they are to thousands of other people. This is something that you should be aware of. Hardworking people such as me and my husband, who is serving our country, are getting ripped off by PHH mortgage. It is not fair and I do plan on going as high as I possibly can with this so other innocent people such as us will not be ripped off in this major mortgage scam that PHH is trying to pull.

Here are a few of the thousands of resources on this exact same company that I have found.

Resources:
http://www.thepetitionsite.com/1/stop-PHH-Mortgage/
PHH Mortgage — Fraudulent company
http://phhmortgage.wordpress.com/your-phh-mortgage-complaints/
http://www.afscanhelp.com/companies/mortgage-companies/phh-mortgage-services.cfm

This is an issue that I feel needs to be resolved by the responsible parties, and that is PHH mortgage and the fraudulent people in the company.
feel free to contact me ont his issue, I think we have something here...

dansonfamily08@yahoo.com

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

I had to file Ch.13 in 2006. Had a 5 yr. plan, it ended Feb. 6, 11.Talk to the Lawyer since Jan. Stated ever thing was fine, until I mentioned the trustee owed me 3, 000.00 He (lawyer) talked to Her(trustee) back and forth for months, with me in the loop and out. She stated I owed her the 3, oo0. and I didn't met the base plan.The hearing was on May 18, 11. The lawyer stated that if the $ was owed it will get to me blah, blah. I had a wage attachment, thank god! To prove all payments were made. Every yr. phh sends me a print out of where the money goes and to who.Never a none payment not even a late payment! Thank god, I kept them!I called PHH to get my payment book. I was told my house was up for the next sale date!Required about this PMI insurance. They said I had to have during the Chapter 13 process. It added an extra 1700. a yr. They told me its added on until I drop down to an 84 per. I am at 94 per.What ever that means.They stated they couldn't give me a payment book. Here it is June 29, 11. Cant send them $ so I will get charged a late fee or they'll send it back to me so they can foreclose . Found out over the phone the trustee just made Oct.'s payment? What?Doesn't make any sense. Phh stated I owed 5, 00.00 not including the lawyer fee. Seems to me there is racketeering going on here. I will be contacting the Attry. General in the morning! Phh also stated a lot of people owe $ when they come out of Chapter 13, & they don't know it? Chapter 13 is a repayment bankruptcy you pay your reg. mo. payment and extra on what you owe. The judge figured it out on his calculator and set the amount. Ever thing was paid. How do I owe $$ ? On the last page of the latest print out. PMI insurance had all these payment of 400., 284, etc. monthly. They were getting 59.00 month for the past 5 yrs. Cant wait to get this company out in the open . By the way didn't know Phh was brothers w/ Coldwell until they tried foreclosing on me the 1st. time. Why does Coldwell tell you they put you in the system to find the best mortage co. for you and bam its Phh. RACKETEERING! IF THIS HAS HAPPEN TO YOU OR SOME ONE YOU KNOW CONTACT ME angmellis@hotmail.com WE MUST STOP THIS

this company is a nightmare - they lie cheat and steal. PHH didnt pay my property taxes for months and then had the audacity to steal the penalities and interest that ny charged from my escrow. Don't do business with them!

I have to agree with all those unhappy people out there who have had issues with PHH mortgage! I too have had my share of issues with them; escrow to low (even though I was paying what they told me), jumping my payment $200.00 with no reasoning and not dealing with a short sale I am trying to accomplish with a buyer willing to pay cash. Another problem was them paying my property taxes which is part of my monthly payment.
I was laid off in September 2010 and at the time I was already two months behind on payments, now I am six months behind and have been served papers from the courts and their attorneys for foreclosure.
Each time I call PHH I get the run around, am told that a supervisor is dealing with it and they will call me; well haven't got a call yet. In my book they are one of the dumbest mortgage companies out there if they want to get stuck with a another house in these economic times. In March of this year it will be one year since I started the process for the short sale and have heard nothing from PHH.
To all those people out there that have or are getting assigned PHH do not sign on the dotted line!

Mortgage borrowers need to be aware of scammers like barclay butler who is a mortgage broker and runs his little mom and pop shop barclay butler financial out of east dundee illinois. Barclay butler is a total scamner who is a known swinger with his poor wife judy butler in crystal lake illinois who impersonates a direct lender. Home loan borrowers, please google barclay butler and barclay butler financial in east dundee illinois. Barclay butler is all over scam report and other scam sites. He screwed not just borrowers but also loan officers.

Barclay butler financial is the worst incompetent group of bad people. Don't know how anyone with barclay butler of east dundee illinois can have nmls licenses. Barclay butler is the most incompetent loan officer in the chicagoland area. A swinger with his wife judy in crystal lake illinois and he spends most of hist time on his swinger couple activities and his side business in being a cleaning distributor. Stay away from barclay butler and barclay butler financial if you are looking for a mortgage loan. Go to a reputable real company like guaranteed rate in oak brook.

Consumers need to be aware of mortgage fraud committed by mortgage companies especially mortgage brokers pretending to be direct lenders. I was just approached by a mortgage broker, Barclay Butler Financial that is a mortgage broker shop and Barclay Butler is representing themselves as lenders when in fact they have no lending capabilities whatsoever. Check out ther websites and they will tell you that Barclay Butler Financial is a Fannie Mae Direct Lender and are also Freddie Mac direct lenders but Barclay Butler Financial only are mortgage brokers who get commissions from wholesale lenders. Barclay Butler fired my late father a couple of years ago because he was about to reveal the illegal activities Barclay Butler was telling his loan officers. The 2.75% yield spread premium Barclay Butler Financial charges is the actual commissions Barclay Butler gets from the wholesale lenders like Carrington Mortgage, Quicken Loans, Pacific Union Financial but he instructs his mortgage brokers that the 2.75% yield spread premium is the amount he gets from Fannie Mae and Freddie Mac for reselling the loan to them. Barclay Butler Financial and Barclay Butler is a major scam and I suggest you stay away from them.

John Neal
Vice President of Lending
Guaranteed Rate

The fees are outrageous and they will not deal with your, hang up on you and continue to add fees upon fees upon fees

my name is faye j barker. [protected].

they want let my mom take over her mothers house and refinance the family home so she can have some where to stay and she really wants to stay in the house she grew up in !

THE FAMILY REALLY WANTS TO KEEP THE HOUSE BUT THEY ARE MAKING IT HARD TO DO AND NO GETTING BACK TO US !

EVELYN BUCHANAN

[protected]
Client number 0VS
I am in active bankruptcy. My account is current and there are no late payments. I was told I am not able to view my account online or make online payments, because of my active bankruptcy. They said because they cant legally collect from me they have blocked my account access.

You people that know nothing in the mortgage or insurance industry crack me up. First of all, PMI is private mortgage insurance which has nothing to do with any lender. Lenders do not receive kickbacks or benefits from any insurance company. That is why we do not care who you get it from. When the LTV is above 80.0% PMI is mandatory.

As far as appraisals coming in low...its the economy right now. Because of all the flipping that went on and crashed this economy to hell, they are more conservative and choose appraisers who actually do their job well.

FEMA provides maps to lenders. IF you are zoned in a flood area it is very difficult to get reverted.

We just got an appraisal 60 to 70 K less than an experienced local realtor... I smell something fishy as well. What state do you live in Thomas. We are in PA.

We had a similar thing happen to us when we were refinancing with PHH. Instead of asking for "flood insurance" they are requesting us pay "PMI Insurance" because they hired someone to do an appraisal which "low balled it." We also showed a lot of documentation to show that the appraisal report was full of errors and incorrect information and they insisted with staying with it. My gut feeling tells me PHH gets kick backs from flood insurance and PMI.