PHH Mortgage Services

by Anonymous From Temple Hills, MD on March 28, 2013

by Sue From Minneapolis, MN on January 29, 2013

Phh mortgage illegally foreclosed on my home while under a loan modification review by using unfair practices. We had a sheriff sale date, and I was working with Phh mortgage in a loan modification in months advance to the sale date. I did not hear from them, so I began to call every week to check on the status of my loan modification. They told me that I had to wait three weeks prior to the sheriff sale date to see if my application has been denied or approved. I called them three weeks prior, and the representative told me that I had to wait until three days to the sheriff sale date to give an answer. So when it was three days prior, I called them and the representative said that they have not reviewed my application yet, but would try to extend the sheriff date for another month. She told me to call one day prior to the sale date to make sure that the extension has been approved. So after waiting like 30 minutes to speak to someone, the representative told me to call the day of the sale date because my file has not been reviewed. So two hour prior to the sale, I called and they told me that they denied my loan application even though I told them that I recently got hired for a job that would provide more stable income after being laid off. It really pissed me off for them to keep on delaying the process, so I would not have enough time to file bankruptcy as a last ditched effort in saving my home. I bought my home in 2004 and put a large down payment of $100,000.00. This was money that my deceased brother left me in his life insurance. And what makes it worse is that he killed himself, so I could have some money to start my life. Sue

by Anonymous From Auburn, CA on December 16, 2012

PHH Mortgage is the worst. I had my home foreclosed on after only being 3 months late with payments. I was late with the payments because I was in the middle of the Loan Modification process with the bank, and they required that I not make the payments before they would not even consider discussing a Loan Modification. I had extenuating circumstances which prompted me to go the Loan Modification route in 2010 (I was trying to get my interest rate reduced from 7.5% to around 4%). I sent them all the appropriate forms and paperwork, and when I followed up, they said they hadn't received it (even though I had proof of delivery from USPS). I re-sent the paperwork, and I kept following up with them, and they said they we're still reviewing the package. Unfortunately at the bank, the right hand didn't know what the left hand was doing, and the loss mitigation department notified me the home was scheduled for foreclosure auction. I contacted the bank, and they assured me that it was just a formality, and they would cancel the foreclosure sale since we were in the process of getting the loan modified. I kept checking back with them every few days to make sure that they had cancelled the sale. Finally, two days before the sale, the Loan Modification department told me it was too late, the home was going to auction and there was nothing they could do about it. Something really needs to be done about this illegal racketeering.

by Steven Waddell From Trenton, FL on December 13, 2012

by Roosevelt Morgan From Asheboro, NC on December 04, 2012

This company is very poor and will not work with...I tried to make a payment on the last day they told me it was due and when I went online to make the payment. They had already stop me from being able to make the payment, then they started foreclosure processing adding very costly fees along with un-reasonable attorney fees. I hate this company...Their customer service people are very rude and not helpful at all. PHH Mortgage stinks!!!!!

by Brian Aspinall From Rockaway, NJ on September 21, 2012

by T Brantley From Beaufort, SC on June 19, 2012

I have a contract on my home and have tried to talk to PHH mortgage for some help on this and you can never talk to anyone who is nice and will listen. I have tried two hardships and once they received the paperwork that was the end of it. They will not work in anyway to try to solve a problem. I because of this I've got to try and see if I can do a short sale on this home to stop foreclosure. The president should do something about the treatment given my this and other mortgage companies. The should be made to assist and help in anyway to keep people from losing their homes. I frankly think they enjoy how they do people and I find that sad. Someone needs to investigate how they do business.

by april rouse From Philadelphia, PA on June 02, 2012

by Frustrated From North Bergen, NJ on May 03, 2012

I received a Predatory Loan originally with Instant mortgage aka PHH Mortgage. I was told I would be responsible for the Principal only (proof on my good faith estimate), and that I would pay taxes, property insurance on my own. After closing I received a "coupon" stating my mortgage was $2,100 instead of $1,400. I was able to make payments while having to exhaust all my savings, I was not able to make one payment. When I went to make the payment, I was denied because now I had late fees and attorney fees to pay. Making it harder to catch up. I filed for the FHA/HAMP Program and was processed and approved by instant mortgage, then received a letter that their new name is PHH Mortgage but they are now the servicer. I've been to court and in court the court attorney found various faults allegations, and fraud on documents and code violations. I am recently filing Chapter 13 hoping that this will allow me to remain in the house, with an FHA/Hamp Modification. I notified the BBB, FBI and other government agencies and filed a report. Report can be found under BBB and Rip off Report. PHH Mortgage and all of it's affiliates are being investigated. It will take some time, but they will have to pay. REcently PHH MOrtgage notified me by mail, that my loan was sold to a bank in Florida (PHH Mortgage is out in Mount Laurel NJ and MD (main offices). In court attorney found the loan was not transferred or sold, it's still under FHA and PHH Mortgage. Denying that they have never received documents in a timely manner for a Modification, as to stating they do not participate in the FHA HAMP. I can't wait to court date. If a reasonable Judge reviews my case, I'm certain to win my case and keep my home! Hoping to have mortgage payments sent through the courts, I do not trust these brokers.

by Sean Hickey From Pleasant Hill, CA on March 19, 2012

PHH should be investigated for corruption, I believe PHH is being run by TONY SOPRANO, it is a Criminal enterprise who has consistently shorted my impounds and demanding over $5000 dollars from me in just 90 days, they have raised my payments over $300 a month in less than 2 years even though my impounds have remained the same $502 a Month, PHH could not get away with this unless the Authorities like the Attorney General look the other way, I'm going to guess PHH makes some pretty Hefty Political Donations, how else could they get away with this. Sean Hickey Pleasant Hill Ca.

by Anonymous From Saegertown, PA on March 10, 2012

This company returns payments that are made when you are in default. wont accept two payments at a time one month and then two another month. I would not be in this position if my payments weren't returned

by Anonymous From Clarksville, TN on February 04, 2012

by christine From Rowlett, TX on January 23, 2012

Please help me stop them from taking my house, I have been fighting with this company for 4 years now and I am physically ill over it. And we get a call today and they left a message that their is nothing they can do...Please someone jump in to help...I need a pit bull attorney that will take these SOB and pin their asses to the wall they way they should be..This is wrong and this company is shady...They may take my house but I will spend the rest of my life fighting them and making sure people know what they are doing...Welcome to the American Dream/Nightmare!

by Jacques Calloway From Anniston, AL on January 19, 2012

by Anonymous From Stone Mountain, GA on January 07, 2012

by tiffany howard From Killeen, TX on January 03, 2012

by Anonymous From Burlington, NJ on January 02, 2012

by Whitney Foley From Linwood, KS on December 17, 2011

by Richins Evlia From Worland, WY on November 02, 2011

by James Leonard From Jamestown, NY on October 19, 2011

by mary hardy From New London, MO on October 17, 2011

They haven't done what they say they would do.

by Anonymous From Glen Ridge, NJ on October 14, 2011

They told us we had to be behind to get assistance and then when we contacted for assistance and a financial interview we were submitted to foreclosure department within a week.

by Jeff From Manheim, PA on September 21, 2011

I had done everything in my power to make ends meet but we fell in unfortunate circumstance and is impossible to get out. So I as a homeowner had exhausted all of my option by requesting Loan modification and submitting all documents in a timely manner and got denied with no legit reason. The next step I took was filling an EHLP application Emergency Homeowner loan program for help and they send me a letter dated Sept 6 requesting a document I got this letter on Sept 10 and I receive a second letter dated sept 7 that I was denied I got that letter the same day see the date no sense whatsoever. On Sept 7 2011 we had a Flood Disaster in our area. Now my home is consider unlivable no heat, Hot water, etc I planning in call PHH love to see How they do not want to work with me under this circumstance. They wanted to foreclose prior to this flood like to see if they feel superior not to work with me when my house is not meeting the housing code to be able to sell a home. This time a homeowner is going to win.

by Octavia Trone From Inkster, MI on September 13, 2011

I'm going through a divorce and applied for a loan modification loan to reduce my payments. I completed the intake process and never received the loan modification packet in the mail. In late June 2011, after demanding to fax a loan modification packet, I received them. I faxed the loan modification packet on around 4th of July. I called weekly to review the status of my loan modification, I was told it was okay. I called today and was told that my loan application was complete.

by Anonymous From Middle Grove, NY on September 12, 2011

by Anonymous From Middle Grove, NY on September 12, 2011

every time I try to e-mail documents I can't get through.

by Brian From Gulf Breeze, FL on September 06, 2011

I am an active duty Soldier. USAA sold my mortgage to PHH unbeknownst to me, while I was deployed. Both companies failed to initiate my auto bill pay. I was deployed with no internet or phone for months. PHH called and said I was in default. Although they said they could see where an employee began auto pay but didn't complete it. After immediately paying it off, I established auto bill pay on my own on their web site. 2 months later, still not drafting from my account. 30 minute waits for customer service. This company sucks.

by tanya huffman From La Salle, IL on September 04, 2011

They are sharks my loan was sold to them and they take advantage of hard working people that hit a tough spot been in my home since 2006 and was never late with a payment till my husband and I both lost our jobs around the same time we aren't paying our other bills just to get caught up with our home bc heat and power and water do us no good without a home but phh is making it impossible I have read so many people post on the web and it is straight up theft on there part people who enter into a repayment plan and phh still sells there house wow really I understand they are a business and can't have everyone not paying but us people who are trying and truly love our home and need our homes and will do anything to save it even as far as not buying food just to have our home shouldn't be treated in the manner as we don't matter and to the person who thinks we should all rent well there may come a day that something like this happens to you though I wouldn't wish this on any one but would serve you right do you know anything about the bible you aren't god so don't judge and it makes you sick to read all of our postings well stop reading them and by the way you know you posted on a website that handles foreclosure so maybe jump off your high horse and stop judging I am happy you haven't had the experiences that we have all had and I'll be praying for you along with so many other people I wish you all the best and pray we all come out of this in our favors

by Anonymous From Gurnee, IL on June 27, 2011

In July of 2010 and 4 years of trying to sell my condo I contacted PHH Mortgage and started a short sale process with them and my agent. They sent an appraiser out and appraised it at 84,900...10,000 higher than what was selling in the area. Fortunately, in August we had an offer of 80,000 and the lady agreed to wait the 90 days. After faxing, numerous papers to them every month they still couldn't get their stuff together and by November the deal was off. Once again in February we contacted them to re-appraise the property so after winter we would have one last shot at the Spring market as the Sheriff's sale date was April 19th. They complied and lowered the price to 72,900. In March, we once again had an offer of 68,000. My agent being more prepared this time contacted them and didn't want to lose this client ask them to postpone the Sheriff's sale as the client's wanted a speedy closing by May. On April 17th, the lawyer was contacted and told that PHH had refused the offer. Now my agent and the clients agent are out there money. I have a Foreclosure instead of a short sale on my credit, and the people who really liked the home are out trying to rent again as this is the second home they've lost. I'd like to know from PHH who they really tried to help...it's just a joke if you ask me.

by Anonymous From Montgomery, AL on May 27, 2011

This is not a good company to do business with. I had applied for a loan modification in December 2009 after I lost my job. Sent in all of the paperwork and other required documents, each time the claimed the never received it. It was just one excuse after another. Simply put, we never received the loan modification and ended up filing bankruptcy, just to keep our home. I would not advise anyone to do business with them.

by Naser Hussein From Crown Point, IN on May 19, 2011

We tried to keep our house, we submitted everything they asked for, after one year of working with the mitigation dept, they told us that everything is good and they will send us the papers to sign, and the sheriff sale will be stopped. that was all lies, 2 weeks later I got someone knocking at the door for cash for keys, We were shocked,then I got a letter from their lawyer stating that the house was sold in the auction,and asking us to leave. Anyway we left the house and rented an apt,One month latter I got a letter stating that all that was a mistake and the house is ours!!!!! after moving my furniture and moving the kids to a different school so we did not move back to the house. Every time we called the costumer service we were getting different answer, they were playing a nasty game with us, I did not mention everything because it takes a book to list what they did to us. Bad and unethical company.

by Whitney Foley From Linwood, KS on April 27, 2011

by rick From Lancaster, PA on April 25, 2011

PHH mortgage is just an answering service for pendant mortgage. After years attempting to work with them through lawyers, which they NEVER answered him either we lost our house. To the IDIOT that said everyone should rent, move to Lybia. Know what you are actually talking about before you make a stupid statement like that. PHH aka Mortgage Services aka Cendant mortgage is a very unprofessional company and if there is a lawsuit I want in on it.

by sam From Coeur D Alene, ID on April 18, 2011

PHH gave us the same run around- and never ended up even looking at the home modification paperwork we sent in and updated twice. I called them every week, they never did anything. Eventually I got them to work out a repayment agreement which we signed and have now sent in three payments according to my repayment agreement. We were on the road back to good days, proud we were able to get our payments caught back up.....However- Today, I got an eviction notice- seems despite everything they said and us meeting our end of the deal...they sold the house anyway. We were given no notice that the house was sold. (or even to be sold for that matter). We were told the sale had been cancelled when we did the repayment agreement. Seems they lied and have now taken every penny we have- as we were starving just to make the repayment agreement payments. Now we have no money to use to pay the deposits for getting into a rent house....since we just recently sent phh all the money we had. Called PHH and they are saying they didn't receive the payments- I have the western union documentation showing where I paid. Upset. Heading home to break now the news to my family. I didn't know people this cruel really existed.

by Anonymous From Athens, OH on April 10, 2011

To all who say we should not have gotten the mortgage in the first place. In 2005 my household combined income was over 200k; in 2010 combined income was 65,000. The industry I was in was strong with no signs of stopping in 2005. We took a mortgage at 25% of our monthly income from PHH. That was the American dream, buy what you could afford when you made it correct? I'm glad all you fortune tellers saw 2008 coming, some of us did not and my industry changed forever. After going through our saving we cannot make the payment and keep food on the table. Yes we had over 12 months monthly expenses set back (double the suggested amount) but that is gone now. Foreclosure and bankruptcy are coming. There are four houses on my street that foreclosed in the past 12 months there are currently 76 homes in a 300 home development for sale. Needless to say selling the home is not an option. While PHH did not cause this, we brought it on ourselves, all I am asking is you have some understanding. I hope none of you have to go through what we have the past 24 months. Yes don't buy what you cannot afford, but tell me what do you do when at one time you could afford it but now cannot? Are you living in the same shot gun shack you bought when you first started working? I bet not. This is the reality of 2011 and beyond.

by joshNkathy From Hillsboro, MO on April 07, 2011

wow, so many stories that sound like mine. been trying to save my house since june 2009. and to the jerk who says we should all just rent. when we bought our house we DID NOT enter into a loan we couldnt afford. we had great paying jobs that we worked at FOR YEARS til the economy went bad and i took drastic pay and hour cuts just to make a little bit of money which caused us to fall behind. when people in these situations fall behind these programs are available to us so nobody should get the run around that phh gives. they somehow turned my HAMP paperwork into a fannie may loan, into a homesaver advance loan, that somehow in the end turned into a refinance that RAISED my interest rate and house payment by $126. does anyone else smell a fraud. i too think they WANT my house as they do nothing to help and always seem to loose your paperwork, even after they give you conflicting information on the phone stating otherwise. theres no way i could put what ive been through with this company as it would take up who knows how long it would be. so mr. you should all be renting, before you go classifying a whole group of people over a few low lifes maybe you should not be so closed minded and put yourself in someone who's not so fortunates shoes before you go making judgements. idiot

by joshNkathy From Hillsboro, MO on April 07, 2011

wow, so many stories that sound like mine. been trying to save my house since june 2009. and to the jerk who says we should all just rent. when we bought our house we DID NOT enter into a loan we couldn't afford. we had great paying jobs that we worked at FOR YEARS until the economy went bad and i took drastic pay and hour cuts just to make a little bit of money which caused us to fall behind. when people in these situations fall behind these programs are available to us so nobody should get the run around that phh gives. they somehow turned my HAMP paperwork into a fannie may loan, into a homesaver advance loan, that somehow in the end turned into a refinance that RAISED my interest rate and house payment by $126. does anyone else smell a fraud. i too think they WANT my house as they do nothing to help and always seem to loose your paperwork, even after they give you conflicting information on the phone stating otherwise. theres no way i could put what I've been through with this company as it would take up who knows how long it would be. so mr. you should all be renting, before you go classifying a whole group of people over a few low lives maybe you should not be so closed minded and put yourself in someone who's not so fortunate shoes before you go making judgements. idiot

by Anonymous From Georgetown, TX on March 22, 2011

have been dealing with this for over two years now. I have read most of the posts. First, to the individual who thinks everyone should be renting. This program was offered with the intention of helping homeowners keep their homes. Whether you agree with the program is not the point. Many of the people involved Have substantial investments in their homes . The evidence is overwhelming that we have been treated unfairly by PHH . Good luck to everyone, this has been a nightmare for me.

by Karen A From Alhambra, CA on March 18, 2011

I thought I was the only one having trouble. I having been trying to get a loan modification and have NACA trying with me. PHH is ignoring both of us. Is there ANY help out there????

by sam from MD From Catonsville, MD on March 03, 2011

I am experiencing the same thing as most of you. Does anyone know if a suit has been filed against them yet and how I can contact them. This is way too much and they need to be STOPPED!

by Scott From Decatur, AL on February 26, 2011

We are currently 2 months behind on our mortgage. We have the money to pay it now and are unable to because PHH will not accept a payment. A FULL payment!. We have filed for a "loan modification" which apparently means nothing. I have a fear they are avoiding us to push us into foreclosure. If anyone here has any advice, please contact me at scottagurley@gmail.com. Thanks.

by Arlinda From Dayton, OH on February 21, 2011

I have been extremely disappointed with PHH Mortgage Services. Firstly for the record, I will state that I have never once paid a late payment since I purchased my house in 2003. My first complaint is that although they have been collecting escrow to pay my property taxes, twice I received a notices that I was going to have a lien for not paying property taxes. I called PHH (Cendant at the time) and they confirmed that they hadn't paid anything and couldn't explain why they hadn't paid it. They did pay that before the lien occurred, but I had to point it out. My second major complaint is that they refuse to remove my PMI even though my current loan is less than 78% of the original value and I have not paid late. They stated that the "neighborhood has declined in value" which is why the won't remove my PMI. The paperwork that I have says that "original value" should be used, not current value.

by Smyth From Philadelphia, PA on February 18, 2011

It seems that most people on here that hate the company are ones that are struggling to make the mortgage payment or can not afford it any longer. Why is this the mortgage companies fault? If you think they should lower your payment to keep you in your house you are crazy. They need the payment you SIGNED AND PROMISED to pay when you bought or the company loses money. Imp sick of people asking where is obama. What the heck is he suppose to do. He should put a stamp on your head and say that you should have not bought a house. That's the problem with this country. Everyone wants something for free. I went through this company to do a refinance and it was fine. Most people on here do not understand that PHH is a servicer not the owner of your loan. When you do a loan modification, the paperwork you send in goes to fannie mae and they are the ones who lose it. Get your facts straight on here or stop posting. Its sickening to hear people crying and acting like no one cares about them. GO RENT AND THIS WILL NOT HAPPEN TO YOU...

by CHRIS, SR. POWERS From Columbia, PA on February 12, 2011

We have submitted the paperwork for a loan modification three times now. Each time, PHH has said they lost the paperwork, or haven't received the entire information. We have to keep calling them, requesting that they re-submit our application. We still haven't heard anything.

by Casandra Jones From Chicago, IL on February 04, 2011

by mike From Corona, CA on February 01, 2011

I dealt with PHH mortgage about a year ago now. It was the worst experience of my life. I was in their modification program and paid the modification payments which did nothing. Eventually I sold my home and the bank got paid in full. I was luckily enough to walk away with money in my pocket. It's been a year now and I applied for a new home loan. The loan officer told me my PHH mortgage account stills shows open. Can you believe this even after they got paid, in full, they still couldn't document things right. I fell horrible for everyone our there dealing with this bank there are full of lies and totally dishonest. If you are in there modification program beware they still may sell your home. I wish everyone luck out there who is dealing with them don't lose hope hopefully some of you will come out on top.

by Monica From Galesburg, MI on January 29, 2011

PHH has the worst customer service. I have been trying desperately to reach someone - anyone - to help on our case. I sent the paperwork in 7 months ago and can't get through to my case worker for anything (by the way, it took 5 months to get a case worker even assigned). They don't return E-mails or voice mails.

by Anonymous From Berkeley, CA on December 29, 2010

Brutal. Sent me a letter telling me that they were going to be deducting a certain amount for my monthly payment, they deducted a lesser amount, and then increased my mortgage payment $700 a month to make up for the difference. In the letter to me saying that my mortgage had been moved to their servicing company they appropriately price my taxes. However, they deducted a different amount, even though the property tax in CA with Prop 13 is a simple calculation, and then are trying to make up for the miscalculation in one year. I have owned the house for a year a half so it is not like the property tax was a mystery and they even had the correct amount in their initial engagement letter 18 months previously. Truly aggravating and unfortunate, because their is nothing you can do that wont hurt you financially or credit wise. Just a complete feeling of helplessness. Luckily we are financially secure enough to pay for their mistake but it is simply infuriating.

by Lori From Lutz, FL on December 22, 2010

We are right there with everyone on the modification part. From reading everyone else's complaints and comparing them to ours, their modification(trial period) is nothing but a big joke.... What it seems(trial period) to do is put you more and more behind(they know this and drag it out) and then the ask for all the back payments, knowing that the average person can't make all the back payments. Deny you and then file for foreclosure..... Sound familiar????? They even mailed back our trial period payments + a few others that we made after the trail period ended. We just got the check back this past August and this was from the first trial period that we applied for last year. Something needs to be done about this horrible company.

by carolyn boykin From Akron, OH on December 15, 2010

They received my hardship paperwork in March; yet they never did anything with my paperwork. They foreclosed on my home, never contacting me about any type of modification. I had options that I never took advantage of because they advised me to work with them. My emails were constantly stating that my file was in review. After they foreclosed on my home, I was tol there was nothing I could do, even though they knew of a redemption period. They just told me today, after I filed with the BBB and the Ohio Attorney General that they would not modify because of previous help. I asked them why I was not informed for 6 months of this? I could have sold my home on my own, deed in lieu of foreclosure or reinstated my loan. I could have gone to Save the Dream or many other Ohio State programs. They did absolutely nothing to help me. The only thing they did was give me the run-around until my house was sold and then apologize for their laziness and inconsideration. They said, "Someone dropped the ball and sorry for the inconvenience." How sad a company can do this to anyone!

by carolyn From Akron, OH on December 15, 2010

I asked for a HAMP back in March, sent the paperwork, followed up with PHH Mortgage from March through September, received many emails my paperwork was being reviewed, made phone calls (over 10 hours worth) and never received a denial letter until AFTER the house wa sold. They still continue to state they are reviewing my file and i was told at the time of sale there was nothing I could do, yet I found that there was a redemption period I was never informed of. I've contacted Fannie Mae and am still trying to work something out with them. There were many programs I qualified for, yet I was told by PHH to wait until my HAMP was done.. They never followed up with me, they would leave me on hold and when I would finally get someone they would either hang up on me or put me back into queue. Their emails constantly said, I would hear from the within 24-48 hours. That time never came. They stated it would take up to 90 days; yet they advised their was a delay and never responded even after my 187 plus emails. I really believe I have a case - even still they are delaying a response as to why they never processed my paperwork until AFTER my home was sold. See 1 example below: Sent from my BlackBerry® smart phone with Next Direct Connect -----Original Message----- From: "Customer Service (MBS)" Date: Fri, 11 June 2010 15:11:59 To: Cc: Subject: RE: Fwd: LSR #200904004: Boykin, Carolyn R. (PHH MortgageCorporation#8104) Dear Mr. Hopkins, Thank you for using our email service, we hope you find the following information helpful. I do apologize but the review process for the packets is taking longer than expected. I can assure you that the file is being processed however we have no further updates at this time. You may contact our Loss Mitigation department at 1-800-750-2518 to obtain updates on the process. If you have any further questions or concerns, please let us know. Sincerely, Colleen Abrams Customer Service Email Staff Mortgage Service Center They are liars and they are lazy. The only time I received any kind of response is when I filed with the BBB and the Ohio Attorney General. By then, my house was foreclosed on. They need to be put out of business. I wonder how many people lost their homes working with these inconsiderate, lazy, unempathetic people?

by Mary Papastefanou Bowling Green KY on December From Bowling Green, KY on December 14, 2010

Well, its obvious that anyone who has anything nice to say about PHH has been paid or they are part of the scams this company has inflicted on people. I have been dealing with all the same problems with PHH for nearly 2 years. They are by far the worst mortgage company. Keep checking all the reviews. They have several Class Action Law Suits filed with the United States District Court, also, there has been over 324 complaints filed with the BBB, Stay away from these Loan Sharks. Maybe the Government will open their eyes to all the Banks they have helped out and see they are using the money to help their and not the homeowners. Please is someone has information to stop PHH Mortgage from taking our homes that we work so hard for post it. FOR ANYONE LOOKING FOR A MORTGAGE COMPANY STAY AWAY FROM PHH, AND INTEGRA BANK.

by Scott Goodman From Woodland Hills, CA on November 30, 2010

by gladis From Benton City, WA on November 12, 2010

I thought i was the only one going through this. I have been on a trial payment for over a year. i was told it would take 30-90 days to get the issue resolved. I have just recently been asked to resubmit all documents all over again. It has been very frustrating. I will state that i have had good customer service.

by Anonymous From Arlington, VA on November 02, 2010

They were very unwilling to work with me.

by david sygall From Tucson, AZ on November 01, 2010

want to be part of the class action suit

by NC From Hubert, NC on October 28, 2010

I feel for all of you guys. Me and my family have gone through all of the same things, except our house actually went through foreclosure. We are in the military and received orders right in the middle of all this mess. We were applying for a modification for 4 months and the day of the foreclosure they said they never reviewed our modification and our house never showed sold. When I talked to the lawyers they said that we lost the house so we decided that if they wanted the house that bad then we might as well cut our losses and lose a headache for as much as we tried. The foreclosure was August 31 2010, we arrived overseas Sept 10 2010 and as of Oct 10 2010 I received a letter from PHH stating that they are waiting on paperwork from us to complete our modification process. When i called them they basically said that the mortgage company bought back the property and want to reopen the modification. I thought it was a blessing so we wouldn't have a foreclosure on our credit but now it seems like more of the run around. I did ask them that, I had stated that I had already went through this and wasn't going to waste my time and energy going through it again to just be shot down but the man said that if they are reaching out to me this time then the chances of the modification going through are great.....yeah right we will hold are breath..There has to be someone we can talk to about this company??? Any suggestions?

by Prez From Philadelphia, PA on October 27, 2010

If your in foreclosure you should have never bought in the first place. Buying is a privilege and that is why they take the home away. There are sick of people not paying there payments on time and wanting a break or a lower monthly payment. Its nice to have a lower payment but if its necessary to you keeping the home then you should sell or short sale the property and RENT like you all should have in the beginning. The modifications are a lot harder then you think. Everyone in this country wants stuff for free and acts like you should get help with actually doing any thing.

by anonymous From Millington, TN on October 14, 2010

Every comment that i have read is saying the exact same thing that I am feeling. this is the worst mortgage company that i have ever dealt with. I have had several modification loans and after the 6 month period of them making sure you pay on time they come up with some kind of excuse saying that you didn't qualify. I'm so sick of this company. Please someone, do something. They must be stopped. Millington, Tn.

by Anonymous From Chambersburg, PA on October 11, 2010

trying to get the Home Modification Loan and what a joke why is it every time they need something I seem to fax it in right away call the next day they tell me they received it and will be 30 to review everything its going to take 30 days to review 1 thing so far to this date its been 60 days I mean what the heck Obama throws this out there and PHH mortgage still does what they want NOTHING and I am really not understanding how someone can refuse a payment when you are trying to make one to try and get caught up but they want 2 payments together where does this company get off with doing this they want to Foreclose on homes they act like there helping but in the long run they just want to Foreclose on your house were late with Sept payment yet and they said that we need to keep current or they will Foreclose as if I did not have enough stress I am trying to do everything I can to make my payment but they even raised it because somehow I got a screwing out of our escrow that I need to pay back and they just added that onto my house payment without even letting me know until I was going to make a payment but saw it was more and they pretty much tell me to bad pay it! There crooks and if someone knows a good answer to how there allowed to refuse a payment I would love to hear it something needs to be done immediately before more and more innocent people loose their homes just because PHH Mortgage wont work with you on NOTHING!!!

by Anonymous From Belews Creek, NC on October 08, 2010

by Anonymous From Stephens City, VA on October 07, 2010

by Michelle From Richfield, OH on October 06, 2010

I am going through the same issues you are all going through right now with this horrible company. I urge you all to go onto senator Robert Menedez web page and send a formal complaint. The more he gets maybe he will start investigating this company as well

by Thomas Hein From Bethlehem, PA on October 01, 2010

by Doris Ray From Pampa, TX on September 21, 2010

Our Mortgage company has been OK but seems they are unable to help us. Now that my Son is back to work they want all the arrears if full. My Son is able to make his Mortgage payments now but he doesn't have the balloon payment they are wanting. What they need is for the arrears to be put to the end of the Loan. That seems like the best solution all around. I am retired and disabled and can't help financially due to a very close budget. Doris Ray

by Sarah Rumpff From Barton, NY on September 21, 2010

Predatory Mortgage company. They are telling us now that we don't have enough equity in our house to refinance.

by Anonymous From Oelwein, IA on September 14, 2010

WHERE IS PRESIDENT Barrack OBAMA? DOES HE NOT KNOW THIS IS GOING ON. I'm IN THE SAME AS EVERYONE ELSE WITH THIS COMPANY. THEY ARE CROOKS WHO WANT TO PUT CHILDREN ON THE STREETS. THEY LIE STEAL AND CHEAT. WENT THROUGH MODIFICATION FOR 11 MONTHS TO BE TURNED DOWN, SAID THAT I NEVER COMPLETED ALL THE PAPERWORK WHICH I DID! MADE A Payment AND IT WAS SENT BACK TO ME. NOW IN FORECLOSURE AND SENT A LETTER THAT SAID I CAN START A HARDSHIP AGAIN, BUT HAVE TO WORK WITH ATTORNEYS OFFICE TO SEE WHAT NEEDS TO BE PAID TO KEEP MY HOME AND THEY WONT ANSWER THERE PHONE OR RETURN MY MESSAGES. I AM ABOUT TO GIVE UP AND FILE BANKRUPTCY AND START OVER. PRESIDENT OBAMA SHOULD STEP IN ON THIS COMPANY AND LOOK WHAT THERE DOING TO AMERICANS.

by Andrea Allan From North Hollywood, CA on September 09, 2010

After 9 months of being routed to India and being told i was in review, during the 9-months they declined me 3 times the last time they told me my loan to value was too much. I took matters into my own hands and sent an email to PHH-CEO and Fannie Mae CEO I then cc'd Barbara Boxer, Biden, Channel 2,4,5,7,9,11,13, CNN, MSNBC, 60 minutes you name it. 3 hours later i received a phone call from yours truly PHH-now they said i qualified. Received the modification it took them 4 months to send me a statement but the loan number remained the same and i continued to pay my mortgage online through my bank. Then PHH starts to send me a check for the amount i've sent in (4 in total ) I'm not cashing them of course i want to use it against them in a class action lawsuit. Now I'm getting letters from NDEX LLC- that I'm going into foreclosure-There's something terribly wrong with this company- I've had to retain an attorney who just sent them a letter on my behalf that they have to adhere to my modification. I've called the Office of Currency, Federal Trade Commission and so far i can't find an agency employed by our government that Regulates, fines, or watchdogs their illegal, harassing, menacing , intimidating tactics. I know why the suicide rate has bounced off the charts. It's companies like PHH- forcing, intimidating people into foreclosures, and short sales. If they re-sell a home 3-4 times over an 8 year period they've made more money faster than on a fixed mortgage. Now the most terrible part of all this in my case is I bought my home through Fannie Mae-who now has borrowed over 100 billion from the Federal Government. So Fannie gets bailed out- and tosses citizen's into a cesspool of socio-pathic power-hungry, Lobbyist's, mortgage brokers, and people who are investing in mortgage companies. There needs to be a 60 minute segment about PHH, and the media should expose them and Fannie Mae. We all need to contact our Attorney Governors in our states with a print-out of all these loggins from homeowners. I've seen PHH data entries and twice so far they've taken people to court and couldn't produce the deed of the house in question and twice the judge expunged the entire mortgage. They're obviously set-up as a foreclosure mill.

by Anonymous From Plainview, NE on September 04, 2010

I have called this company to resolve issues and as the other people comment " they shuffle you around, your on hold for long period of time. when you do get to talk to someone they are foreigners and not real polite. I BOUGHT MY HOUSE IN THE USA SO PLEASE LET ME TALK TO AN AMERICAN!!!!!!!

by don boone From Lynwood, CA on September 01, 2010

by Anonymous From Auburn, IL on August 30, 2010

Where to begin...Received a foreclosure on a Sunday morning - Yes - Sunday...and telling me we are in foreclose status. I’ve been working with PHH for 6 months on a modification for our loan and still have nothing to help us out. In the past THIRTY days I’ve called in to the Loss Mitigation group and sat on hold for 60 minutes....and every day is the same old--We are working on it. If we don’t get an answer back before to long this will go to the next step in the foreclose status…People are saying they hope prayers are answered….I hope a plane drops on the building….

by Raymond Peay From Richmond, VA on August 29, 2010

every time I call I receive someone in India who doesn't speak english.... I hate my mortgage company!!!!!!

by Chris Prybylski From Stevens Point, WI on August 15, 2010

Will not talk in person. Tells you one thing get another. Will not work with you. Sends me modification then draws out 9 months then files foreclosure?

by Snyder From Minneapolis, MN on August 10, 2010

I have been trying to get an issue resolved with my escrow account for over 2 months. every time I call I get a very polite person who can barely speak english. Total time on the phone so far is near four hours with absolutely no resolution. PHH is the absolute worst mortgage co I have ever been involved with, and I have worked with hundreds. Again, the absolute worst.

by aaron ausmus From Lambertville, MI on August 04, 2010

by Michelle Palumbo, New Jersey From Budd Lake, NJ on July 28, 2010

Hello, I was locked out by PHH mortgage in Sept 2008 when i was 7 months pregnant in the dead of winter. They illegally trespassed, performed an illegal lockout and then served the wrong people foreclosure papers. I hired an attorney and have been sitting on this thing for a total of 2 years. Please email me if you have anything to do with a civil suit of any kind or any help to offer me. Thank you so much!

by Jeanne Meyers From Bangor, PA on July 28, 2010

I applied for a mixed use mortgage which they pre-approved and then they informed me later that they (PHH) mortgage representative made a mistake and they don't even offer that type of mortgage. They charged 500 to my credit card and refuse to return it. Unbelievable!

by KENDRALL THOMAS From Northport, AL on July 26, 2010

THIS COMPANY PHH IS THE DEVILS WORKS, HOW CAN A COMPANY SO BIG HAVE SO MANY EMPLOYEES AND NO ONE SPEAKS GOOD ENGLISH, NO ONE RETURNS CALLS AND THEY NEVER CHECK THE VOICEMAIL, I KNOW FOR A FACT FROM A RECORDED CONVERSATION I HAVE ON MY PHONE WITH THEM THAT THEY ARE SITTING LOOKING ON THE ID WHEN THE CALLS COME IN AND NO ONE WILL ANSWER THE CALL. I HAVE BEEN MISTREATED AS OF OTHERS FROM READING WHAT HAS HAPPEN TO THEM, TOLD BY A REP THAT MY LOAN WAS BEEN POSTPONED FROM GOING INTO FORECLOSURE AND THAT THEY WILL CONTACT THE ATTORNEY WHO WORKS FOR THEM SO I DIDN'T HAVE TO DO THAT CAUSE THEY ARE PUTTING A HOLD ON IT BECAUSE OF THE MITIGATION/ AND IT'S BEEN REVIEWED, BUT THAT DIDN'T HAPPEN, THEY SOLD MY HOME ON 07/19/2010 AND TOLD ME I HAVE 10 DAYS TO GET OUT, NEVER A CONTACT WAS PUT IN WITH THE ATTORNEY, NOR DID THE PERSON I SPOKEN TO NOTED ABOUT THE FACT OF SHE'S E-MAILING HER SUPERVISOR THAT THIS WAS POSTPONED AND PUT ON HOLD UNTIL A LATER DATE. BUT I HAVE HER NAME AND SINCE I'VE BEEN CALLING I'M HEARING THIS HAPPEN TO CUSTOMERS OFTEN AND HE WAS A HEAD GUY WHO TOLD ME THEY ARE HAVING A MEETING THAT DAY ABOUT WHAT WAS GOING ON, HE DIDN'T KNOW I RECORDED THE CONVERSATION WHICH I RECORDS EVERY TIME I GET ON THE PHONE WITH THEM, NEEDLESS TO SAY, I DON'T KNOW DO ME ( WHO JUST BEEN DIAGNOSED WITH MS) MY WIFE AND OUR 4 DAUGHTERS HAVE TO GET OUT IN THE NEXT 4 DAYS OR NOT, NO ONE WILL ANSWER BUT TRANSFER ME TO THE REO DEPART AND IT SAYS LEAVE A MESS AND I'VE LEFT OVER 40 AND NO ONE HAS CALL IT'S A SHAME BUT THIS IS HOW THEY TREAT PPL, THEY DON'T CARE IT'S NOT THERE HOME, OR THERE FAMILY BUT ONLY GOD KNOWS THE TROUBLE WE ARE FACING, I KNOW I'M NOT ALONE NOW AND BEFORE LONG THIS WILL BE RESOLVED THOMAS FAMILY NORTHPORT ALABAMA WHAT GOD HAS FOR ME; IT IS FOR ME!!!!!!

by KENDRALL N KIMBERLY THOMAS From Northport, AL on July 26, 2010

WOW..... MY HEART FEELS THE SAME, I'M IN THIS HOME OF OURS FOR THE LAST 5 YEARS, HAD GOT A MITIGATION ONCE IN NOV 2009 AND SENT PAYMENTS ON IT IN, THEY SAID THEY DIDN'T GET IT, I HAD MY RECEIPT AND HAD TO SENT THEM IN, FAXED THEY CLAIM THEY COULDN'T SEE THEM, MAIL AND FAXED AND THEY GOT THEM, SO 5 MONTHS LATER, PAYMENT STARTED COMING BACK TO ME, BUT BE ADVISED I HAVE MY PAPERS SAYING MY PAYMENT WAS THIS AND IN FEBRUARY 2010 THEY SEND OUT SAYING PAYMENT SUPPOSE TO BE THIS WHICH WAS 617.90 TO 619.83 AND THEY SENT ALL THE PAYMENT BACK, DIDN'T WANT THEM, SAID WE ARE 7 MONTHS BEHIND SO WE HAD APPLIED FOR THIS HARDSHIP BECAUSE MY HUSBAND WAS DIAGNOSED WITH MS 11/2009 AND BEEN SENDING IN THE PAPERS AND ALL DOCUMENTS, FORMS FROM HIS JOB, DOCTOR ETC... THEY GOT THERE ATTENTION INVOLVED SO WE GOT THIS PAPER SAYING OUR HOME WILL BE IN THE NEWSPAPER AIDE FROM JUNE 23-30 AND THE SALE DATE WILL BE JULY 19, I HAD BEEN CALLING TALKING TO DIFFERENT REP. WHO INFORMED ME EVERYTHING IS GOOD THEY HAVE MY FILE IN REVIEW AND THEY WILL CONTACT THE LAWYER OFFICE AND COMES JULY 19 I GET THE MAIL SAYING MY HOME WAS SOLD BACK TO THE COMPANY AND ME, MY WIFE AND OUR 4 GIRLS NEED TO BE OUT THE HOME. I JUST HAD TOTAL KNEE SURGEON DONE JUNE 16 AND BACK AND FORWARD TO THE DOCTOR, THIS HAVE BEEN THE WORST HEADACHE A PERSON COULD ASK FOR, BUT I WISH THIS ON NO ONE, NOT EVEN AN ANT AND I KNOW THEY JUST BITE YOU IF YOU COME IN CONTACT WITH THEM. THIS COMPANY NEED TO BE REPORTED AND I'M BEHIND WHO EVER KNOWS OR HOW WE CAN GET THEM FOR THE STRESS THEY HAVE PUT US THROUGH... sir_kens@yahoo.com is my email and I tell you we all need help GOD HAVE ALL THE ANSWER AND THIS IS ONE I KNOW HE WILL WORK OUT IN OUR FAVOR

by Anonymous From Boonville, IN on July 23, 2010

If enough pressure is applied to something it will eventually break. Everyone must fight back against this worthless company!

by Anonymous From Paauilo, HI on July 19, 2010

HELP GOOD PEOPLE STAY IN THEIR HOMES

by donna jones From Wilmington, DE on July 17, 2010

by donna jones From Wilmington, DE on July 17, 2010

by annette freyre From Linden, NJ on July 14, 2010

This is my second go around with this co. I am applying for Home Assistance Program and experiencing what everyone has mentioned. My first time it took 8 months to find out that I did not quality due to high debt. I was not notified, I had to call and be on top of them constantly.

by Charles From Suncook, NH on July 10, 2010

THEY STINK

by peter From Stockbridge, GA on July 06, 2010

I am in Atlanta, GA. and just received approval from a local superior court judge for an action filed against PHH mortgage. This is currently in a local georgia court but could possibly be converted to a federal case, with class action status. I need the contact information(E-mail name address-telephone number) for all you people who leave comments about filing a class action against PHH. If you want to get after these people-contact me but make sure your case is solid and that you have good documentation. My email is b194765@yahoo.com and my name is Peter. Let me hear from you.

by Sonja Reed From Minneapolis, MN on July 04, 2010

Corrupt, Unethical Business IS PHH.

by Mark Dunkling From Plainfield, VT From Plainfield, VT on July 01, 2010

This is the worst company I have ever dealt with. After 15 months of trying to get a loan modification with them after our payment kept increasing...we are now facing foreclosure and are not closer to a loan modification than we were 15 months ago. We have had the same run around as most of the others here. They wouldn't take partial payments, we could never talk to the same person, on hold for an hour a time, transferred from one person/department to another....terrible.. I hope something happens to this company soon so that others facing this company wont loose their home like it appears we are going to.. If there is a class action law suit I want to be part of it...

by Ronald Rowland From Jackson, TN on June 30, 2010

by Carole Lonsway From Greenbrier, AR on June 19, 2010

PEOPLE, all of you, I beat PHH Mortgage after a million to 1 chance that I would get them to honor their commitment to me. Email me and I'll give you all the ammunition you need to resolve your problems. caroleg@tcworks.net I am a private person with nothing to gain and there is, of course, no charge or obligation. I want you to win your claims and resolve your issues with them; they must be stopped, and I want your actions (that I will suggest) to STOP PHH Mortgage from hurting people. caroleg@tcworks.net or lonsway@tcworks.net.

by Anonymous From New York, NY on June 17, 2010

Wow! And to think they were just singling me out! Shame on them! They have told me one lie after another. They deliberately withhold information needed to process your application for loss mitigation. Or tell you they mailed out letters requesting more info and somehow you never receive them. One rep says one thing the other says something different. I've built up a pretty decent file of correspondence from them via every method possible. I've recorded every call! Thank god for friends in the media. I was asked to gather a few more pieces of evidence and it will be a wrap for PHH. Time to put them on full blast my friends. I encourage you to do the same. Do it for you, do it for everyone else that has been held hostage their insanity. Do it because it's the right thing to do.

by Anonymous From Vincentown, NJ on June 15, 2010

by Dawn From Stone Mountain, GA on June 13, 2010

Submitted a loan modification package in mid January of 2010, they claimed they never received it although I have the fax confirmation, so I sent it a second time. I called a few weeks later for the status, always an excuse. I waited and waited for some correspondence and in the interim I kept calling, still no progress. Finally 3 months to the day, on April 15, they send me a letter confirming receipt of my package, then 1 month later send me a letter that my application is missing tax paperwork and so cannot be processed. I faxed and email the tax documents, and call 3 days later, wouldn't you know it, the rep claims a message on my account says that my email submission was not legible. I was getting used to this run around so I faxed it again and let the rep know I have been keeping my fax activity reports from the fax machine, showing all successful transmissions. Now it is June, 5 months since my initial application and when I called the rep says it was showing that they were waiting on me to send missing docs before assigning my file to a counselor, are they serious, I told her the rep last week had me on the line while she claimed to be e mailing that department that my file was complete and ready for review. She said she didn't see that it was send on to the next stage and would submit a request to have a supervisor approve my file for escalation. I am so through with this company, I wish my Mortgage company had not used PHH for loan servicing, it's been a cycle of constant runaround, outsource reps from India who do nothing but transfer me all over, and departments that cant be reached for correct loan modification information. There really does need to be intervention by the Attorney General or some regulation agency these practices are illegal.

by Pat Wiles From Newville, PA on June 05, 2010

I had to file Chapter. 7 9/2008 - I did not include the mortgage in the Bankruptcy - but when I checked my Credit this past month, found that PHH is reporting me as discharged in Ch.7 - they are not reporting that I am and have been making the payments (and signed numerous forms and paid extra $$$$$ to "reaffirm" the mortgage.) My credit is being trashed because of this - my rate is 7.50%, and if it wasn't for their horse manure, I could be paying a lot less. I contacted the BBB - that's worthless, they are being paid by PHH to give them a GREAT score. Like others, I was charged extra funds at the last minute at the signing and now they are telling me that I never signed any papers to reaffirm, etc. BUT THEY DON"T MIND TAKING MY DAMNED MONEY - just refuse to report that they did so! I am going to the AG in PA. Anybody decides to do a class action, let me know, I'll gladly join.

by former employee From Mount Laurel, NJ on June 01, 2010

i worked for this company and let me tell you they do NOT care about customers, heck they don't even care about their own employees. it was the worst job i ever had, i worked in servicing in the NJ office, i may have actually spoken to allot of you who have posted on here. It use to bother me so bad with some of the people who were actually going through hard times and crying to you on the phone and we are trained to be the way we are, its not a bunch of us who don't care, its just we are doing what were told to do. there were allot of legitimate reasons for people but i also had people calling who would say they didn't pay their mortgage because they wanted and needed to go on vacation! what! a roof over your head is the number one priority, loss mitigation just laid off 3/4 of their staff so expect slower responses than the already slow responses. supervisors know nothing about the mortgage business, i worked for 2 other mortgage company's before this one and i knew more than all my supervisors in my department. I just thought a company would be doing more to help its customers in the extraordinary times.

by Michele Bowman From Albuquerque, NM on May 25, 2010

I have no correspondence telling me they would do this. I only had letters telling me that I had options. No deadline.

by Anonymous From Monticello, IL on May 25, 2010

This is the MOST Difficult company I have ever worked with. They send you from department to department with long hold times and no one really knows anything of value. You can't talk to a single person that has any clout. They all work from a script and know nothing. They just like litigation!!

by David Easter From Evans, WV on May 24, 2010

All they have ever tried to do is foreclose to work anything out they want close to $30,000.00

by Anonymous From Vancouver, WA on May 23, 2010

This is a flea bag of a company. Refinanced my home through my bank and they used PHH...what a complete disaster. I set up auto payment with them only to find they didn't take the first payment...nasty voicemails ensued. i talked to the bank, the title company and people from PHH (a rep in India...thanks for that..someone who had an accent so thick I could barely understand them and who was completely useless in addressing the issue....I talked with a "manager" in their Moorestown NJ office who assured me that it would be taken care of and that they had made contact with my bank and fixed the problem, but that I would have to make a phone payment for the first payment and then the auto payment would kick in the next month....she even gave me the number to the admin for the President of Home Loans ...yea, right..to do this with and not receive a charge...I did that on 30 March 10. Now here we are on 23 May and after being out of the country for 2 1/2 weeks, I come home to 8 voicemails and 5 letters stating we're 2 months behind and if we don't pay, they're threatening foreclosure... I was assured by my bank and the PHH people (even had both of them talk) that the auto payments would take effect and I wouldn't have to worry about it. Basically that was a bunch of BS from a company run by crooks. i have a credit score over 800, have refinanced my house twice before in the last 10 years with a different company and NEVER had an issue. This company should be sued...if there's a class action, I want in as companies like this should not be allowed to be in business.

by Lake Monticello From Palmyra, VA on May 22, 2010

During this on-going recession I learned about the Obama Making Home Affordable program and applied around March 2009 through PHH Mortgage based in NJ. I have a Freddie Mac loan. I was accepted into the program in October, 2009 and began the six trial payments in November, 2009. I thought this assistance for six months was for lowering my mortgage due my situation which, according to what I read, was TARP money to fix my upside down mortgage. I thought the plan was created to lower interest and payments through a re-modification program. My expenses have gone up, my salary has not kept up, I have chronic health issues but continue to work full time. I have NEVER been late or behind on my mortgage payments. My house is worth about $20,000 less than I owe. Let me tell you how this has NOT worked for me. I paid my trial payments of $1163 for six months. This payment was reduced from my original payment of $1242.00. The reduction totaled $468 for six months. I thought my payment would be $1164 at the end of the six months due to re-modification. Was I WRONG. I called to make my May payment to PHH Mortgage and was informed that I was rejected from the program due to income. I was then informed that my May payment was $4094. My next payment in June would be $1624 but only if I paid the $4094. PHH Mortgage, Jonathan, in collections said PHH Mortgage would not accept any further payments from me including my next monthly payment until I paid the $4094. PHH Mortgage would/could not explain why my monthly payment are going from the original $1242 to $1624 other than to say the escrow increased the payments. I spoke to three representatives in three departments and wasted my entire morning on the phone. I was then told that the six trial payments were put in a suspense account or holding fund depending on who I spoke with. I was then informed I owed PHH Mortgage a total of $11,369.75. I spent 30 minutes crying and surfing the internet for answers. I finally found and called the Home Owners HOPE line to ask for help and found out the following: Apparently, since PHH Mortgage put my trial payments into the suspense account I was not being credited for my trial payments making me six months behind on my mortgage. I also simultaneously owed the new higher monthly mortgage payment during this six month trial payment period thus the total owed of 11,369.75. The new $400 higher a month mortgage payment $1624 x 7 according to PHH Mortgage. (I know it does not add up) The bottom line: I got my loan payment lowered for six months that totaled $468 in reduced payment, no modification, and now I owe $11,369.75 because apparently I was to pay the trial payments and unknown to me the new higher amount regular mortgage payment too. I don’t even get the trial payments back. They weren’t credited. So does this mean they get $6984.00 in trial payments in addition to the $11,369.75???

by Anonymous From Barre, VT on May 18, 2010

If a civil suit is filed, I want to know. I want to join the band wagon. PHHstinks@yahoo.com

by Jodie From Somerville, NJ on May 18, 2010

These people make buying a home a nightmare. They called me the day before I was supposed to close on my home to tell me that they still needed more information even though I had spoken to Dianne Bonner (a name I will NEVER forget) and she assured me that all my ducks were in a row. I would not recommend this company to anyone. In fact I would go so far as to tell my friends and family (coworkers, strangers, anyone who will listen really) to NOT use this company.

by Jayne From Browns Mills, NJ on May 17, 2010

This company overcharged me 700 per month for taxes that never went up. Fraud is all I can say.

by David Easter From Evans, WV on May 16, 2010

by Anonymous From Clarkston, MI on May 13, 2010

by nooneofconsequence From Concord, CA on April 27, 2010

Boy! Where to begin...PHH is Mortgage Services, and is Cendant Mortgage. Not very professional. One of these derivatives (Mortgage Services) filed a 1099c against me for a loan that had been discharged in bankruptcy four years earlier. No response from the company's Associate Chief Counsel. Good Gravey!!! I guess I have to sue. Frank

by Janelle Matson From Lacey, WA on April 24, 2010

I don't even know them and would not speculate on something as serious as my life. I use to have a job. My home has now became my job for the last 10 years.

by Janelle Matson From Lacey, WA on April 22, 2010

i CALLED HOPE AND Sharon SPOKE FOR ME AND EXPLAINED EVERYTHING IN THE Beginning. THEY PROMISED MANY THINGS TO HELP...NO WORRY. I HAVE YET TO SEE OR HEAR FROM ANYONE OR ANYTHING.

by Anonymous From Charlotte, NC on April 15, 2010

this company is the servicing agent for USAA, the financial company that represents our military. not sure if any of you fall into this category, but what a sin to be treating our military and their families like this. where is our country going??

by David From Waianae, HI on April 14, 2010

I have nothing but problem after problem anywhere from the payments not being correct to escrow being over funded to Insurance problems to Taxes being over escrowed and then proceeding with foreclosure.

by mike & cara difilippo From Erie, PA on March 30, 2010

by Anonymous From Chepachet, RI on March 29, 2010

by Chicago From Norwell, MA on March 29, 2010

Terrible experience--giant ponzi scheme--they route you around the world and hope you give up--Mark Danahy and the leadership team should be held accountable--They should cease all operations until their existing portfolio is taken care of.

by jeanette bentley From Louisville, KY on March 29, 2010

They always work with the client

by Anonymous From Saint Paul, MN on March 29, 2010

This company is baloney! I want to be in on the lawsuit!

by Anonymous From Frankfort, KY on March 28, 2010

by Anonymous From Higginsville, MO on March 25, 2010

by Anonymous From Pottstown, PA on March 17, 2010

Initially, I had fairly good service with PHH. But in the past several months, I found they had not paid my tax bill because they said they had not received it (I sent it to the specified address). When I faxed it and then followed up on that, the rep told me they had no record of my fax either and to re-fax it. Today when I called, a service rep asked a number of "security" questions (my loan %, amount left on my mortgage and the amount of my mortgage payment) all of which I answered in the ballpark but, because I did not have the actual figures in front of me, were not spot on). She said she could not help me because I had "failed" the security test. I had by this time entered my loan number and given her the last four digits of my SSN. I told her that I could give her verbally the loan number, the address of the property and my full SS. No, she said, she couldn't help me because I had "failed" the test. I have never missed a payment and am up to date with my mortgage payments and escrow (which are paid automatically which is why I did not know the exact amounts). I am not in foreclosure and am not looking to renegotiate my loan. All I actually wanted was information on how to forward my tax bills since they had lost them the last time I mailed them! It's beyond me why you would need to ask a series of "security" questions when all I wanted was the fax number to transmit my tax bills - something that was given to me two months ago by another representative without any problem! Maybe they are in over their heads.

by Dawna Gournic From Denver, CO on March 16, 2010

PHH Mortgage company has no integrity. Although I have a fixed rate, they have consistently found ways to charge me fees. I highly suggest any mortgage company but PHH Mortgage. There web site is terrible, and trying to resolve anything with them is a cat and mouse chase.

by SD From Fort Lauderdale, FL on March 13, 2010

When I got my mortgage I thought it was with my local bank where I had been a customer for over 20 years. Then I tried to pay my first payment on-line and was told that I needed to either send a check or use western union who charges a fee. Several times I had situations that they claimed my payment was late when I had the confirmation that it wasn't. I fought the late charges which was exhausting. Then about I year ago I fell one payment behind and that's when everything got ugly. I received different instructions on how to bring my account current. I sent my check only to find out 2 weeks later that they sent it back to me in the mail saying that it was not certified - no one told me that was required. Then I sent it again certified and it was sent back saying that now I was 2 months past due and they needed the full amount. They would not accept partial. So I called again and said that I would pay half the amount on the 1st and the other half on the 15th and that would bring me current including all the late charges that they levied. I called after 1 week because I didn';t see it deducted from my checking account and was told that they do not accept payments that way. I told them that I was instructed by their rep to do it this way and it would be fine. She said that they would never do that, I asked to speak with a manager to get a straight answer. Was told they were all busy but would call me back. I never heard from a manager. They sent me a letter saying that I needed to pay this amount or they would foreclose. I was totally floored by this. I called and once again took the instruction and sent the check in full via overnight delivery. Once again it was returned and they said that they are not allowed to take payment of mortgages that are 3 months behind. I needed to contact Fannie Mae and get there permission and that my account had gone to foreclosure. I called an attorney. I was served foreclosure papers 1 month later, then called by them to say that they would take my payment. I referred them to my attorney. almost 1 year later nothing has been resolved, their attorneys are none responsive to request for loan modification and now my attorney is trying to deal with them directly. I can not tell you how stressed out this has made me. I am a hardworking individual and always tries to follow the rules, but if the rules constantly change it is impossible to be compliant. I believe that is PHH's intention. I would gladly participate in a class action or any investigation into this company.

by Kristen From Pensacola, FL on March 10, 2010

I am a licensed real estate agent who spent all of last year losing income because I was representing clients who were facing short sales & foreclosures. In each & every case I had honest, hardworking Homeowners struggling with a choice of food and medicine or paying an outrageous mortgage. In every single case, a Buyer was there to purchase and offer relief and only the Lender was uncooperative. It cost myself and hundreds of my associates as well as the potential Buyers, title-agents, new Lenders, home inspectors, etc an entire year or more of lost income! When I found myself in a similar situation, PHH told me to stop paying for at least 90 days if I wanted to submit a workout package. I did, they never responded or read anything I submitted. At Christmas 2009, they filed a Lis Pendens resulting in all of my creditors canceling my accounts and leaving me with NO OPTIONS! A "voluntary mediation" hearing was held and an agreement reached. They did not hold up their end and I was told that the whole mediation agreement is "CONFIDENTIAL" from the courts. What???? This is insane! Someone needs to listen. Who does PHH think they will be collecting from when all of us who paid them so well for so many years are homeless and can't qualify for a mortgage? Wake up and call your local legal center to get counseling. I will not leave my home without a good fight.

by Anonymous From Chicago, IL on March 09, 2010

This company works hard to not recognize tenants when they foreclose on a landlord's building. They will not negotiate with the tenants, in terms of cash for keys, and they threaten illegal evictions. I am currently filing complaints all around for their illegal activities.

by Haley Dunlap From Enterprise, AL on March 04, 2010

I fell behind on my mortgage in November. PHH sent me a loan modification packet in the mail. I filled out the information and sent it to them. About two weeks later I did a follow up and they never received it. I had to re-fax it in and checked back the same day and they confirmed they received it. I received a letter for intent to foreclose from the attorney 1 week after I sent the information to PHH. I called PHH and, yes I was one of the many, stayed on line for about 30 minutes every time I would call. But once my case was referred to a litigation specialist, step 2, every time I would call PHH I would only be on hold for about 3 minutes before I could speak to someone. The waiting was over once my account was in step 2. Once I received the sale date from the attorney I called PHH and they escalated my case. From the time I filled out the information until the time I was approved for an awesome much lower monthly payment, it was only about a month process. Once the case is assigned it gets much easier, but it's hard until you get to the stage of the process. I prayed A lot and I believed a miracle would happen during this process and I'm a Christian and I believed God was going to take care of this situation for me since it was out of my hands. And he did!!!! I honestly believe the only reason the situation was handled so quickly and in such a timely matter was because I trusted my Lord and Savior Jesus Christ. To him be the Glory!!! And I've learned my lesson, don't fall behind on my mortgage again.

by Eric W From Palm Desert, CA on March 02, 2010

HORRIBLE. First they send you to India to speak to a robotic, disrespectful assh*le... then transfer you to "Loss Mitigation" who keeps you on hold and never answers the phone. PHH MORTGAGE SUCKS. Avoid them at ALL costs.

by William Potter From Anchorage, AK on March 02, 2010

they offered to help me, let the process drag on for 6 months, and now want the full amount when in fact they said that they would work out a plan for me.

by Angela From Henefer, UT on February 26, 2010

We were shocked when today we found TWO 30 day late payments in our credit reports from PHH. They were for the months of Jan. 2010 and February. 2010. February 2010 isn't even OVER YET!!! How can that be 30 days late???? NO ONE from PHH has responded to our calls or faxes as we have letters from our bank and all our statements to prove there are NO late payments. Then guess what. PHH withdrew our payment from our checking account THREE TIMES in ONE MONTH. That was January 2010, yet they are saying we are 30 days late. BEWARE EVERYONE!!! This company's call centers are trained to give you memorized answers. "Your account is still under review. It is in the first review process. You will need to wait to hear from us." Sound familiar??? The call centers are in INDIA, the Philippines, California, and Florida. Yet the company is based in New Jersey? Someone STOP THIS COMPANY!!

by Anonymous From Valley City, ND on February 25, 2010

PHH mortgage WILL NOT apply any extra payments to my principal. PHH has SERIOUS website issues and I cannot access my account online...they lock me out every time. This company is extremely difficult to work with and everyone who works there is STUPID.

by Mike B. From Corona, CA on February 23, 2010

I feel everyone's pain. I sent my loan mod in around the month of November 09. In my loan mod package, I received the conditions. In those conditions it read my foreclosure was going to be placed on a hold pending review. In February I got a letter with the intent to sell my property. The worst thing of it all was I paid them as required in my loan mod. If I would have know,I wouldn't have paid them a dime and sold the property. PHH mortgage is the worst. If anyone starts a lawsuit I'M IN!!!!!

by anita From Charlotte, NC on February 22, 2010

We need to join forces and sue PHH. My story is the same as everyone here. I have tried to contact them repeatedly and getting the run around.

by Leigh Harris From Virginia Beach, VA on February 22, 2010

No help. Started sending foreclosure documents after 1 missed payment

by Harvey Whitehead From Troy, MI on February 21, 2010

by Bill B From Dubuque, IA on February 18, 2010

PHH engages in criminal behavior. Completely unprofessional, uncooperative and unwilling to provide simple customer service. The worst!

by Anonymous From Lafayette, IN on February 18, 2010

Phh is the stupidest loan company I have ever dealt with. They don't care about short sales. They don't care about the consumers.

by Steve From Winter Springs, FL on February 16, 2010

I just completed a complaint with My states attorney General as well as the New Jersey BBB. I am looking for anything I can do to shed some light on these crooks. Ii have enjoyed reading the posts, especially from PHH employees. I am surprised you can operate a computer or communicate in complete sentences. You speak of things being our fault, well if we were dealing with a Mortgage service company that was Honest, fair and knew what the hell they were doing we would not have to take such action. I hope for your sake you never go through a job loss, income loss, death,divorce etc. then maybe you will know what a lot of us who call you are going through and maybe, just maybe you will show an ounce of compassion. Let me blunt here, PHH employees are #$%holes.

by Shawn From Saint Paul, MN on February 16, 2010

So after reading all your comments,I am scared I may never modify my loan. I sent in a hardship letter back in September of 09 & have never heard a word. I have called dozens of times & they have said "its under review"

by terry minor From New Castle, DE on February 11, 2010

I was rip off too they wanted to set me up on a payment plan 2 year ago for 3,000.00 per month and then they raised my mortgage payments to this month i had to sent them $ 8000.00 then i file chapter 13 and then my payments were 21976.00 and then they applied for loan modifications that was joke they don't help me at all . i am praying that everyone that has a mortgage with this people can keep their homes because they are ripping people off. we all have to fight for what is right i am praying that this company be shut down.

by ROGER From Hummelstown, PA on February 10, 2010

They have lied from day one. In Mar 2009, i was told that i would be approve Loan Modification. From Mar to August i called 2-3 times months with different stories. On 16 August 09, they told me that they lost my paperwork for me to send again. I dealt with Will Comer (supervisor Lost mitigation) From August to Nov 09 they told me that they are working on it. On 20 Nov 09, they said that they now needed pay stubs and bank statements. I was shock, said " why did you tell me last 2-3 months ago. On 27 Dec 09, i Emailed the corporation HQ, and told them that i am going to sue and put this on Fox news. The next day i get a phone call and said it will be approve by a week. But the approval was like loan sharking, they was going to add $8300 back in ny loan, with $2600 down payment and interest rate at 7.5%. These crooks should be out of bus. Lets all put are money together and do class law suit.

by KM Engvall From Hudsonville, MI on February 10, 2010

I've hired an attorney, my advice is to gather all your information and secure an attorney, these crooks have taken over $35,000 from us and never applied any payments. I'm not going down without a fight! See if you know these names...Renard Foxworth, Donna Berger, Betsy Ayala...all were supposed to fix this mess and did nothing. I'm suing....won't you join me? This has been going on since 2007 and counting. Get an attorney!

by Dianna From Bigfork, MT on February 08, 2010

This company needs to be taken to court. Since March 2009 we have been dealing with a process called "loan modification". What a joke! From one day to the next the reps do not know what has been talked about the previous day. We have been served with foreclosure papers, gone to the foreclosure sale, seen PHH's rep come in with a check larger than the mortgage, buy the property and laugh at us. Then less than a week later, the mortgage was rescinded, because it is FHA guaranteed and the foreclosure was not approved by FHA. Since the end of November 2009, we have had no contact from PHH and even though we call, and wait on hold for an endless amount of time, never get anywhere with anyone. As of today, this mortgage is still in the "loan modification" process and the rep has yet to call us and update us. Today is February 8, 2010 almost a year later and we are still waiting. Does anyone out there have a class action going on this company? Ideas to start one?

by Anonymous From Blue Jay, CA on February 07, 2010

THIS "COMPANY" WILL FAIL WITHOUT QUESTION! BUT HOW MANY PEOPLE HAVE THEY DESTROYED ON THEIR WAY DOWN? STAND UP AND FIGHT! MAY PHH ROT IN HELL!

by Anonymous From Twin Peaks, CA on February 06, 2010

We all need to band together and stand up to these criminals. If there is an attorney out there reading these messages, I think a class action lawsuit against these greed mongorers is in order!!!

by Karen muse From Pennsauken, NJ on January 26, 2010

by K. Muse From Pennsauken, NJ on January 26, 2010

I was also trapped by PHH mortgage. I tried on numerous occasions to lower my interest rate on my home I was sent a packet to be completed and returned. After I completed the packet and sent it to them I never heard from them. I called to speak with a representative and was told that items was missing. I received another packet asking for my pay stubs as proof of income. I immediately sent what was required. In 2 wks the packet came again, I sent my pay stubs again. After the third time I couldn't believe they weren't getting them. The packets continuously came to my home requesting that I send the same info to them. When I contacted PHH they told me that they couldn't do anything for me until I sent proof of income. After going to a company to get a loan mod. I was notified that they were receiving the same treatment. They would not work with the company at all. The loan mod. co. would leave messages and PHH would take weeks to respond after a 10 mons. I received a modified mortgage that was higher than the orginal mortgage. I'm at loss of words as what to do because I can't afford the mortgage and the bills are piling up. I hope something is done about this company soon.

by Anonymous From Saint Paul, MN on January 26, 2010

Horse poop is too kind. I would talk with someone regarding a sale and get an approval , only to not get another response until 3 weeks after the supposed closing date. Ridiculously stupid process.

by Kim Wilson From Freeland, MD on January 26, 2010

by Anonymous From Hewlett, NY on January 14, 2010

THIS INSTITUTION SUCKS!!!!!!!!

by Anonymous From Glen Cove, NY on January 12, 2010

Will not go into details about our particular situation as it is like so many hard working Americans suffering today. However our loan which was undertaken with a local, financially sound bank, which we had a strong relationship with over the years, and then they sold this last loan to PHH. The KEY THING HERE is that we have a HIGH VALUE to loan/mortgage obligation on our property. In the last year PHH Mortgage Servicing started to implement predatory "servicing" . Posting payments as late, sending miss calculated "payment book's", miscalculated property tax payments ,escrow account's , etc!!!! Needless to say it has been a nightmare. BuT we have managed to get them to document EVERYTHING via e-mail, which instill is perplexing since we send/receive all correspondence to/from a MBS (mortgage backed security) contact at "Mortgagefamily.com". Who has glippy stated that Fannie Mae owns our loan. Funny thing when we prepared for the worse last year 9/2009, job lose. health issues and reached out to a HUD sponsored Mortgage Counselor, we could not be helped since we did not have GSA backed loan We find this very suspicious since now less then a year later we are told that Fannie Mae owns our mortgage. We have made many sacrifices to meet our fiduciary obligations, and I am not talking about cutting down the number of times we go out to dinner. As small business owners we have negotiated and excepted reduced payment's from clients, keep our thermostat on 50 degree's , eat rice and beans 5 out of 7 nights drained all savings and the list goes on. We know we are not alone, we are not sub-prime borrowers, we negotiated in good faith with a strong local bank, who was willing to take more risk then we signed on for, and turn the servicing of our loan over to PHH who for all accounts is "predatory servicer" looking to maximize its balance sheet with going after "high value to loan obligation" properties. I have been doing a vast amount of research on this and we are scraping together fund's to get a full detailed mortgage audit done of our loan, not just a TILA audit but a full investigation. Anyone out there with a modest mortgage that feels threatened with job loss or has suffered income reduction due to the "Fleecing of Hard Working American's" by loan securitization again MBS's should consult a qualified forensic mortgage audit consultant. Apply due diligence and make sure it is not a newly formed LLC/ subsiserary of your "pretender lender", mortgage servicer etc. Trust me there are plenty of them out there. Do your homework and do not back down. I look forward to post's by other's in a smilar position with the MBS "Team" at PHH Mortgage. Chances are they do not own the loan, the mortgage on the property, and if you have high value to loan obligation, be scared, be very scared!

by RV From Ozone Park, NY on January 08, 2010

This company is the worst I have ever had to deal with. Let me see. 1099 Wrong 1098 Wrong Names on account Wrong Simple things they can not get right. Maybe because when you call customer service you get some who can't understand simple english. These guys are crooks. I wish my bank never sold them my loan. Please

by Anonymous From Warren, PA on January 07, 2010

I AM GLAD I FOUND THIS SITE SO I WILL START WITH OUR ISSUES THEN POST A COMMENT TO THE SO CALLED PHH Employee. In 2001 WE acquired A NOTE FROM WHAT WAS THEN CENDANT FOR 2 YEARS WE WERE ON TIME UNTIL I WAS IN A CAR ACCIDENT THAT Disabled ME CUT OUR INCOME LESS 700.00 A MONTH,THERE LOSS MITIGATION DEPARTMENT IN LEADENHALL NJ IS A JOKE MY WIFE SUBMITTED DOCUMENTS EACH TIME SHE WAS TURNED DOWN,THEN STARTING IN 2003 THE INTENT TO FORECLOSE LETTERS STARTED(SCARE TACTICS)I SAY THAT BECAUSE I AM POSTING THIS FROM THE HOME PHH MORTGAGE HOLDS THE NOTE ON,HOW CAN THAT BE WELL FOR 9 YEARS THEY HAVE BEEN ADVANCING MONEY A TOTAL OF 13.0000.00 DOLLARS THERE FRAME OF MIND SO YOU CAN STAY IN YOUR HOME BUT THEY ALSO FALSIFIED DOCUMENTS ie THEY DID A CREDIT RETRACTION TO ALL 3 MAJOR CREDIT BUREAUS SAYING THAT MY WIFE WAS CURRENT WHEN IN FACT SHE WAS 4 MONTHS Behind. Then THEY DID A IN HOUSE LOAN MOD ON A FHA LOAN DOCUMENT THAT FHA NEVER APPROVED CHANGING OUR INTEREST RATE TO 5.50 AND 302.00 A MONTH,BUT STATED IT WAS NOT A REFINANCE NOW THAT I HAVE SEEN ALL THESE POSTINGS A CLASS ACTION SUIT STATE ATTORNEY GENERAL INVOLVEMENT,FBI INVOLVEMENT,AND THE FORMER CEO AND CHAIRMAN INCARCERATED FOR FRAUD????.AND A OVER ZEALOUS PHH EMPLOYEE POSTING SUCH HARSH WORDS TO Everyone HERE I WILL SAY YOU WILL EAT THOSE WORDS WHEN I BRING 9 YEARS OF EVIDENCE AGAINST YOUR SO CALLED ETHICAL Company. See ALL MY DOCUMENTS ARE FROM NJ MOSTLY THE OFFICE OF THE PRESIDENT,LOSS MITIGATION Etc. With ALL NAMES ASSOCIATED TO PHH IN HIGH RANKING ADMIN Positions. To ADVANCE THAT KIND OF CAPITAL ON A HOME I FELT SHOULD HAVE BEEN SOLD IN 2002 JUST SHOWS THAT THIS ACTIVITY YOUR SO CALLED COMPANY NEEDS TO Stop. I WILL BEING CALLING ON THE CLASS ACTION AS WELL AS FINDING OUT WHO THE STATE ATTORNEY GENERAL'S OFFICE IS Handling THIS,FBI CAN GUIDE Me. These DOCUMENTS HAVE BEEN SECURED IN A SAFETY DEPOSIT BOX ALL THESE YEARS BECAUSE NOW YOUR COMPANY WANTS TO FORECLOSE WELL MY WIFE OF 10 YEARS LEFT IN JUNE 2009 WHEN YOUR COMPANY FAILED TO NEGOTIATE A SETTLEMENT WITH NACA. But A JUDICIAL FORECLOSURE IN MY STATE COULD TAKE A YEAR,PLUS THE BBB OUT OF NJ BEING INVOLVED WILL HAMPER THE EFFORTS TO TAKE THE House. See I AM 52 I SAVE ALL DOCUMENTS IN CASE I EVER NEED THEM TO IN THE CASE SERVE AS EVIDENCE IN A MULTI FRAUD Case. So FOR ALL PHH EMPLOYEE'S DO YOU BELONG TO Scientology BY Chance. Everyone ELSE WHO HAS POSTED THANK YOU I HAVE THE FIREPOWER TO STOP THESE Frauds. The CEO I BELIEVE WAS TERRY EDWARDS I SPOKE TO HIM BRIEFLY IN 2002,WELL NEED TO GET STARTED WRITING NUMBERS FOR MY ATTEMPT TO HELP SOME OF YOU OUT.

by Bryan From Burlington, IA on January 05, 2010

In 1999 I was given a mortgage by this company. I was locked in at a 30 year mortgage with a fixed interest rate. My payments started out at about 200 dollars a month. I recently received a letter from them stating that my new payment would be 500 dollars a month. I have never missed a payment or been late. I called to ask why my payments went up so much. I was told because of taxes and insurance. I got out my paper work and guess what ? Both taxes and insurance have only went up 300 dollars a year. I now have a lawyer looking over the paper work. Yesterday I was called by the state attorney and asked to forward all of my paperwork to them. I do believe that the state is building a case against this so called rip-off mortgage company.

by Via From Winchester, VA on January 04, 2010

I deal with PHH Mortgage all the time for my job.(I work in an attorney's office) We have clients filing Bankruptcy on this mortgage company all the time. I have spent countless hours on hold to achieve even the simplest of legal agreements which are usually sent back to them with several mistakes. These people have no idea what is going on with their business. I am glad to see that everyone else has identified this problem and want to do something about it!

by Greg Cartwright From Twin Peaks, CA on December 28, 2009

Phh hasn't talked to me or responded to me in over 13 months. They are scavenging every dollar they can get their hands on so that they can settle the class action lawsuit that is to be filed Jan 4 2010. We need your participation in order to effectively execute this motion. please post your interest on this web site. DON'T LET ANOTHER FRAUDULENT MORTGAGE COMPANY GET AWAY WITH THIS ILLEGAL ACTIVITY. Even if you have already lost your home, you may be entitled to a settlement. (909) 844-6130 DON'T GO DOWN WITHOUT A FIGHT!! THESE PEOPLE ARE CRIMINALS AND IT ISN'T YOUR FAULT!!

by Angel From Pocahontas, AR on December 22, 2009

After reading so much of these comments, I thought I was the only person who has had the problem, with PHH. I also sent in a loan modification and they advised that it would take possible up to 90 days but they would continue with the foreclosure, until they received all the paper work then they would postpone the the foreclosure sale until reviewed. I faxed everything back to them the next day I called and spoke with a man that said yes they had received my paper work, but that it had not been taken by an employee for review, I spoke with this man for around 20 minutes he advised me that they were there to help me stay in my home and not to worry that everything would be OK and they would work with me and they would stop the foreclosure on my home till they had reviewed my loan modification which could take a month or so not to worry they would contact me in a few weeks in 2 and 1/2 weeks I read in the paper where I had deeded my home to PHH Mortgage, they had went a head with the foreclosure, and to my surprise they did not auction it off at the court house as was stated in the paper work I had first received, they just deeded it over to there real estate company they own. I read this in the paper and call them, they advised yes the home sold on Nov,3 and did not receive my loan modification paper work until Nov. 6th after they sale. I advised them that yes it was faxed to them on Oct 19th and that I had called and spoke with a man that advised me that you did receive my paper work, and that I could pull up my phone records showing where I had faxed the paper work and made the phone call, and they should know who I spoke with since they supposedly record phone calls. They said yes they see where I had made the call, but they were sorry nothing could be done, the house had sold and I would have to speak with the REO Expert needless to say, all you get is a voice mail, to leave your name and number. Still have not received a phone call. I have no home, my children have no home. I still don't understand even if PHH did not take any bail out money, how can giving the banks money help the economy, people, tax payers are what makes the economy, if they tax payers can not pay there mortgage or loans, yes the banks are going to fail but if the money was spent or giving to the taxpayers, they could have paid for there loans money would be put back into the economy, back in the banks to make more loans, not for big banks to receive money and people still lose there homes, the banks have came out OK, yet the tax payers still can't repay their bills and when you get a company that can make double on PMI Insurance and the sell of your home why would they want to help any one stay in their home?

by Valerie White From Madison, TN on December 15, 2009

Bad - tell any of your banks NOT to deal with this company - they need to go out of business or be taken out of business - they are screwing up credit ratings and reports of customers that never agreed to be a part of them in the first place! our bank, Cuna Mutual SOLD our contract to them because they sold the entire mortgage dept to them in 2005! SHAME on this kind of junk going on to people who are paying their Salaries!!!!

by VW From Madison, TN on December 15, 2009

my bank sold my mortgage to this company, without us knowing anything about them, and it's been hell on earth since. They have messed up our credit rating since 2006 and we cannot get simple paperwork taken care of that is going to assist us in making a payment to our mortgage. I think the attorney general of NJ and Fla should look into the antics this company offers those who are PAYING them! They should not be in charge of any mortgage out here and it's time for us homeowners to find a legal loophole to get out of contract with them.

by Anonymous From Glendora, CA on December 14, 2009

PHH is the worst company ever. But I've gone through the comments and will take action. I'm tired of waiting for PHH to do something right. I have rights too and I'm going to make something happen POSITIVELY for me. PHH you all suck!

by yogismom From Whitehall, PA on December 09, 2009

Call a real estate lawyer if you have a mortgage with PHH formally Cendant ! The former ceo and chairman are both in prison for fraud !!

by Steve From Winter Springs, FL on December 08, 2009

Just endured the 'loan modification program" (still waiting for the other shoe to drop) I have never dealt with any organization / company with more ineptness in my life. I was told one thing and then another on top of another. I did not know what to believe. I was two payments behind due to job loss and believed the "change we could believe in" but it is not so. I have read a number of class action suit lines through this page and I think it is a great idea.

by Anonymous From Springfield, IL on December 04, 2009

This company is a joke. I sent in my loss mitigation package and harped on them for over 6 months before they finally reviewed and gave me loan modification. My payment went up and now I can't keep up. They sent me another loss mitigation package in the hopes of doing a quick sale or deed in lieu. That was 4 days ago. Last night I got served with Foreclosure papers. What a joke!!!!

by George Anderson From Redding, CT on November 29, 2009

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 month 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 but when I call them back at the number indicated I end up on hold for 30 minutes, 45 minutes, or more before I give up. 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 no 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 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.

by St Clair From Fair Haven, MI on November 22, 2009

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! 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. The banks are taking 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 was definitely fraud. If everyone out here that has similar 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! I will do whatever it takes to stop them! URL:http://phhmortgage.wordpress.com/your-phh-mortgage-complaints/

by Anonymous From Cedar Grove, NJ on November 12, 2009

by joe baron From Portland, OR on November 11, 2009

by lauren phillips From Saint Louis, MO on November 02, 2009

PHH Mortgage is by far the worst company I have ever encountered. My husband lost his job in August 2009 and I applied for a loan modification. I filled out paperwork and sent it back. I called everyday sometimes on hold for up to 40 minutes and was told a different story everyday. Some said call tomorrow, some said wait 30 days. Then finally I was told I was approved and I should receive a letter stating this. Instead, I got a letter that said they denied the loan modification and foreclosure process had begun. Again, calling everyday getting a different response, I was told there was nothing they could do at this point. So and so would have to call you or so and so will email you. Needless to say, no one called or wrote and now I have lost my home and my credit. This company should not be in business.

by Peggy Love From Inwood, WV on October 22, 2009

by Melissa A From Bushkill, PA on October 16, 2009

I have been working on a Loan Modification on my home for 6 months. I'm now writing to President Obama, all my Senators and Representatives...I say a class action lawsuit is what is necessary at this point!

by Lisa Adams From Bowie, MD on October 14, 2009

this person works for PHH..this is why you get nowhere..look at the attitude he has. Hopefully no one gets sick, dies, loses their job or divorces so he won't be in the position that half of america is in...Just unbelievable. wow the person who thinks we are owned by citizens isn't very bright. you obviously didn't talk to someone who works for PHH I work for PHH and I know for a fact we are working with people every single day to mitigate/modify their loan. we didn't take a dime of the bailout money. also you people need to keep in mind that you should take a good look at the documents you sign when you get a mortgage. you agree to every single thing that happens on your loan. if you didn't read through it, it's your fault! also if you can't afford to pay a double payment you can't afford your home. if we ask you for something and you don't get it to us it's not our fault if we give you rules/guidelines to get docs to us and you just do it whenever. your home should be your first priority NOT YOUR LAST! if you weren't making your payments as you agreed to YOU DESERVE NOT TO HAVE A HOME! by Charles&Tina Vermeulen From Avoca, MI on March 09, 2009

by william ashton From Lithonia, GA on October 12, 2009

by used and abused From New Orleans, LA on October 01, 2009

Although the federal flood insurance program only covers the structure, PHH insisted that I buy sufficient flood coverage to insure their loan value, which included the land value as well. When I refused, they unilaterally took out a supplemental flood policy at market rates (not the federal program) and took it out of my escrow. This was illegal. Since it only cost $75 to add the coverage they demanded to my federal policy, I did so rather than fight them. Their illegal misuse of my escrow funds should have been reported to the BBB. I regret not having done so at the time. OF COURSE, this was just after Katrina (even though my home was not flooded at all.) They are a crooked company with bad employees.

by Marlo Urey From Meadville, PA on September 22, 2009

by Anonymous From Stroudsburg, PA on September 16, 2009

Seeking help with mortgage when it was only 2 months behind. Sent all paperwork as requested and can't get any response from PHH. Stopped calling and now foreclosure process has begun. They don't have time to process my paperwork but they have time to file for foreclosure. Sooooo mad at this company. Always paid mortgage on time until last year when I lost my job Jan 2008, then my spouse lost his job in Dec 2008. I was able to bring loan current in Mar 2009 and now I received a letter from a lawyer with our notice from PHH of foreclosure. This is a VA loan and I hope the VA can help me keep my home while I try to find a new company that will take my bad credit.

by Lawrence Delarue From Orange, TX on September 07, 2009

by cbwallace From Marietta, GA on September 04, 2009

They must have about 2 people working in customer service. Here's an idea: if you can't handle as many outstanding mortgages as you do, don't book them.

by Linda Gendron From North Grosvenordale, CT on August 25, 2009

by Mary From Longview, TX on August 21, 2009

For all of you people having trouble with PHH this is what you should do right away.The Mortgage company is not really working with you. They are just saying they are . They told me everything was fine and then I find out they are going to foreclose in Sept. Don't fool with the Mortgage Company they just want your house and don't want to work with you. Just call the MakingHomeAffordable.org.I told them I wanted to make a complaint about these people not helping and you never talk to the same person twice and they say they are going to send paper work and don't. MakingHomeAffordable has a Hotline Escalation Team that talks to the Lender and they get it straight. Don't wait on PHH its a mistake I made. Good Luck & may God help us all.

by Anonymous From Trenton, NJ on August 21, 2009

Seeking help with mortgage when it was only 2 months behind. Sent all paperwork as requested and can't get any response from PHH. Stopped calling and now foreclosure process has begun. They dont have time to process my paperwork but they have time to file for foreclosure. Sooooo mad at this company. Always paid mortgage on time until this year.

by Connie From Hoopeston, IL on August 21, 2009

What a nightmare! We had a short sale on a property back in May of 2004. We had been advised to not make payments on the house. Don't EVER follow that advice. Anyway, we are trying to buy a house in Arkansaa at the present time. Our credit score was approximately 766 about 8 months ago, and since that time we have paid WAY above the minimum payment due on our current mortgage as well as our credit cards. We now have the credit cards paid off, and have $30,000 equity in our home since buying it 3 years ago! We had an offer accepted on this home in Arkansas. We applied for a loan with Bank of America. They said everything looked good, but then the underwriter called and denied our application. Guess why!! It's because Cendant Mortgage Service Center (now PHH) recently reported to the credit bureaus that we had a foreclosure in 2006. We have NEVER foreclosed on anything! They also reported that we had a charge-off of 70,000 in 2006. First of all, it was NOT a charge off. We sold the house for a couple thousand dollars less than what we still owed on it. And it was NOT in 2006, once again. PHH will destroy your dreams. We had our hearts set on purchasing this home. In trying to get someone with a pulse at PHH... GOOD LUCK! and when you do get a live person, they are rude and snotty! I have called the attorney general's office, but it will take time.... time that we do not have. PHH (formerly Cendant) should be sued or forced out of business. They mess with people's lives. They report incorrect information to the credit bureaus. They will ruin your credit and not make any attempts to correct their mistakes. The nightmare continues.

by Beverly From Sun City, CA on August 03, 2009

Same story - lost my job and trying to get a short sale approved. It has been 7 months and an auction date has been set for Sept 7. They have assured me that they have so many cases to deal with that they have to deal with the critical ones first. How much more critical do you need to be. They have lost documents and I have faxed them over and over again. They stink!

by Dave From Rancho Cucamonga, CA on August 02, 2009

Re: by Anonymous From Redlands, CA on July 01, 2009 Stop complaining and being a victim." Either "Redlands" is a moron, or lacks compassion towards others in dire straights. Redlands must have a very high-paying job that allows him/her to continue paying on a mortgage that is over-valued (in today's market by 60% or more) or hasn't taken out a first or second mortgage since 2006 prior to California's RE market starting its slide into the abyss. My situation has us in loans totaling $400k on a property now worth less than $200k in todays down market. Who's to blame for the falling home prices? The borrower? The realtors? The mortgage industry? Somebody knew something was going down, but nobody sounded the alarm, until the top deck was under water! So, Redlands, go fix a hot cup of STFU! Our second mortgage (for home improvements and room addition) is through PHH (formerly Irwin Home Equity). We attempted to get a loan workout, but were just denied. This after spending about 4 months working with them. Now we are awaiting on the First Mortgage to determine if they will modify their loan. If this fails, we may be homeless soon... Yet these bankers are still getting million-dollar bonuses! Unfair and immoral.

by Anonymous From Minneapolis, MN on August 01, 2009

Hidden kickbacks Loan officer helped my ex-wife steal from me for four years

by donna From Elko, MN on July 27, 2009

Ok, I have had PHH for several years without any problems. I was always on time with my payments. But in Dec.2008 I was robbed, and my debit card was used. I was still struggling by Feb 2009, and asked PHH to consider loan modification. This was JUST BEFORE the so-called Obama help with loan modifications. PHH said I needed to fill out forms. Did that right away, and even have the confirmation that the fax went through, but PHH says they didn't get it until April! So first they said process takes "several days", next phone call stated:"at least 30 days", next pc stated:"three months", then finally "six months". I am sending two half payments monthly, and they are cashing my checks, but they don't like it. Then in May they raised my monthly payment by another $100. Does the right hand not know what the left hand is doing? I can't get a straight answer from anyone and have been more than patient with them. I'm not as bad off as others, but every month is a constant struggle to make that payment. What kind of company strings people along for 7 months? Such awful service. They could at least give me an u pdate-that's if they are even doing anything at all.

by Judy Smith From Phoenix, AZ on July 14, 2009

DO NOT ALLOW PHH MORTGAGE AKA COLDWELL BANKER MORTGAGE TELL YOU NOT TO MAKE A PAYMENT UNTIL YOUR LOAN MOD GOES THROUGH. I WAS TOLD THAT MY MODIFICATION WAS APPROVED AND I HAD TWO MONTHS BEFORE MY NEW PAYMENT WAS DUE. AFTER 35 DAYS THE PAPERWORK CAME IN THE MAIL AND LITTLE DID I KNOW THEY WERE GIVING ME A 40 YEAR MORTGAGE WHEN I ONLY OWED 23 YEARS. I WAS ONLY BEHIND 2 PAYMENTS OF $1450 EACH, AND THEY WANTED TO GIVE ME 18 MORE YEARS ON MY TERM OF THE LOAN. THIS IS FRAUDULENT SCHEMES AND LAW ENFORCMENT AND THE FBI NEED TO BE NOTIFIED! THEY SHOULD NOT BE ALLOWED TO CONTINUE IN BUSINESS. I HAVE CONTACTED MY CONGRESSMAN AND THE WHITE HOUSE!

by Frank From Yuma, AZ on July 06, 2009

This is far the worst company I have ever dealt with. I have waited 45 minutes on hold to get through to someone in loss mitigation, for them to tell me I have to speak to the "assigned counselor" assigned to my account. She has never returned my calls in over two months! I was offered a Home Saver Loan that would give me $4,500 that I was in the rears for. I would then have 10 years to pay this off. Yes, I was that desperate and agreed to a 3rd mortgage. I signed the documents, returned them fed ex and later find out this is a "new program" and it is not "really set up yet". Can you believe this BS? This is Fraud! Anyone want to go in on the Class Action Suit, I am there!

by Paula from Arizona From Yuma, AZ on July 06, 2009

I was just granted a loan modification on my ARM loan last week, after waiting 6 months. The deal was to raise my interest rate by .50% and my payments would go up $50 a month. This sounded great as I would be locked in for the remaining 26 years instead of having an ARM that readjusts every six months. After receiving the paperwork, I signed everything and later realized PHH Mortgage was giving me a 40 year loan! Incredible, they were extending my loan 14 years and I am only behind two payments of $1,300. These people need to be sued and I am with everyone else on this website. I have called over 20 times in the past two months, requesting to speak to my counselor assigned to me from loss mitigation. She never has once returned my calls. I have asked to speak to a supervisor on numerous occasions and have been told only my counselor can help me. These people are crooks and need to be held responsible by the government. Having been a realtor with Coldwell Banker aka "PHH Mortgage" this is horrifying! I have never experienced such poor customer service!

by Alex From Staten Island, NY on July 06, 2009

By far the most frustrating company to work with. Horrible communication. Which resulted in me losing my locked in rate. They also take forever to look into complaints. This company screwed me so bad i had to take the Refi from them at an additional cost of 1% point to me and the nightmare did not end there. DO NOT DO BUSINESS W/THIS Company. Find out who you are dealing with because they are contracted by several different banks

by Jamie Caswell From Hooks, TX on July 06, 2009

They were fine until I went through a divorce and was left with no money, I had never even had a late payment with them and my credit score was 780 at the time. I had my payment coming out of my bank account auto debit, but when my wife left she stopped the payments and changed my contact info to them so I couldn't receive late notice by mail or phone till it was so far behind and with me in Iraq it made things hoarded and they only wanted full payment or nothing at all.

by Anonymous From Redlands, CA on July 01, 2009

Stop complaining and being a victim.

by Stephanie Ford From Richmond, IN on June 24, 2009

by Alice Brock From Vernonia, OR on June 22, 2009

Somehow, in April 2008 PHH stopped paying our flood insurance from our Escrow acct. and sent us a check because of an escrow overage. I called them to verify the check was indeed ours, they said yes so I cashed it. They paid the flood insurance the next month, homeowners insurance in August of 2008, property taxes in November 2008 and we never heard a word from them. Until April of 2009, when they informed us they we had an escrow shortage and owed them $940.00. I called to find out what was going on and the nightmare began. I have spoken to 15 different people, and heard numerous different reasons for what happened. We have received 3 annual escrow statements since April of this year, and a letter with yet a different amount to pay on our mortgage. If they screwed up our account this badly, they must have done the same or similar to others. Our problem still hasn't been solved. If anyone out there is interested in stopping these crooks, please let me know. The only way to get to people or companies like them is theu their wallet. If it's not going to cost them, they won't listen.

by The Adams Party From League City, TX on June 11, 2009

Hire an attorney!

by The Adams Party From League City, TX on June 11, 2009

All I can say to you is Complain, Complain, Complain. Complain with the Texas Attorney General's Office. Apparantly PHH has HQ's in Texas, not Mt. Laurel NJ. I first complained with the NJ Attorney General and they forwarded my complaint to the TX Attorney General b/c the HQ's must be unpublished and located in TX somewhere. Also, complain with the FTC (federal trade commission), the HUD (Housing, Urban Development), and the BBB (better business bureau). Complain to President Obama. Complain to your Senators and Congressmen. Let the media know and get them involved.

by j.c. From Saint Cloud, FL on June 10, 2009

Been trying to modify my loan since May 2008 after my wife lost her job. Hired a modification company because PHH refused to help me. Now they ignore the modification Co. too. I've had over 6 negotiators assigned to me. Had a final sale date in March, they stopped the sale 2 weeks out after I paid a deposit on a rental home insisting they were going to work it out. Now they've set the final sale for July 6, citing I've done nothing to work it out, yet when I, and the modification Co. call they tell us it's still in review until the 3rd week of June... Great with the final sale a week after... So now I'm back to packing.

by Jesus From Palm Bay, FL on June 09, 2009

I lost my job and had to relocate 3 hours away. The cost of maintaining my now vacant home and new dwelling where employment was began to be financially burdensome. I submitted a hardship package and never received any feed back from PHH. After 50 days I contacted the president of the company who assured me that someone would be in contact with me. No one ever contacted me so I emailed him back and then someone contacted me who after 5min of looking at me hardship said all I could do is do a DIL or a short sale. Both meant that I had to give up my home and hurt my credit. I have called and left over 7 voice messages and waited over 3 hours and no one ever picked up. I dialed various extensions to get someone and the person I got hung the phone up on me after saying she would help out. PHH is a joke and should be penalized.

by San Diego From San Diego, CA on June 08, 2009

There should be a class action suit brought against PHH mortgage. We in good faith advised them of my husband's spine surgery and the fact that we would be down to one income. They told us they couldn't help us until we were actually 3 months late with our mortgage. Well we were, then we had to call them twice a day until we got through and they sent us the application for loan modification. We completed it immediately and they received it on October 7, 2008! We then started the phone calls every day, 2-3 times a day. You could never speak to your loss mitigation rep, I don't even think he exists! We were just notified that from their attorney's that we have 3 months until our house will be foreclosed. We then set out to speak to someone in loss mitigation that would listen to us, never spoke to our rep but did speak to someone who sat next to him. She told us that in their computer system it is noted that the application has gone to the investor and we should have an answer in 2-3 weeks! We have told PHH that we want to pay our mortgage and are ready to do so, we have been in contact with HUD and have done everything possible to get through to them. If anyone wants to sue these people I would be glad to join in! I want to get away from them as fast as I can! I would gladly pay more interest with another lender than PHH.

by The Adams Party From League City, TX on May 20, 2009

Send this letter to your representatives and join us at www.phhmortgage.wordpress.com To Whom It May Concern, I am writing this letter today to bring your attention to what USA Today named the 11th largest mortgage servicer (6/26/08), PHH Mortgage, with headquarters in Mt. Laurel, New Jersey. What is a mortgage servicer? Perhaps you could shed some light on that. But more importantly, why is a company still in business with three lawsuits and a class action lawsuit against it, 125 Better Business Bureau (BBB of NJ) complaints against it, and hundreds of complaints against it on various websites? (See Google searches: Lawsuits/Complaints/Class Action Lawsuits and PHH Mortgage.) I understand that we made a commitment to pay our mortgages but we were never given a chance to choose who would service the mortgage and we certainly did not choose PHH Mortgage. Plus, I have yet to find a way to switch my mortgage servicer as I would my cell phone provider. Please for a moment think of our consumer society. We can choose among a few cell phone carriers and we can decrease or increase our monthly plans when needed. We can choose between cable, satellite, or antenna for our television watching. We can choose to decrease our cable channels to save money. We can decrease our grocery intake, electricity usage, and traveling to save money. We also expect to be able to adjust our mortgages if needed. I understand that in years past, the banks would just take your house or car if you didn’t pay for it. But, we are in a completely different era now. We are in the era of the AIG and bank bail-out controversy. We have seen Wall Street rewarded time and again for breaking our trust and making money because rules were not there and their moral compasses were broken. We were fooled and we deserve regulation, honesty and fairness. I am a victim of PHH Mortgage’s bad business practices and I am not alone. When the taxpayers bailed out AIG and banks, the situation generated plenty of media and congressional attention. Shouldn’t mortgage servicers such as PHH Mortgage receive the same amount of attention? After all, what are they? What do they do? What rules do they play by? Why can’t we choose and switch our providers? PHH Mortgage and others like them are doing damage to many Americans by placing a scarlet “F” for Foreclosure in their credit reports. Don’t we deserve more from a company that can harm us so much? Sincerely

by j mccann From Parkville, MD on May 20, 2009

Tried to do short sale for 7 months after losing second income sent all doc disclosures waited 2 months no response called same idiot reading off the paper in front of them your package has been received and takes 30days to review. (REALLY THAT WAS THREE MONTHS AGO) after 3 Loss Mitigation so called case workers no responses from anybody after me and my agent have sent faxes,e-mails-letters,voice mails nothing in responses. After 7 months I had an offer non-contingent with a May 15, 2009 settlement agent faxed over contract we waited till last week of contract and tried for some answers to give prospective buyers but could not give them any answers, Finally my agent got his company to call Vice President of this company and funny that evening this idiot i,ve been trying to reach for almost 6 mnths calls me at 10pm at night and rings twice and hangs up i quickly called back and all he could say was (HOW DID YOU GET THIS NUMBER) after hearing how he never received the contract which customer service said they did he said you have to resend it or we can close the case . Agent called him back and ordered a BPO done on the property . Still no response that was last month and I LOST THE CONTRACT AND COUPLE WALKED AWAY. about to be put into foreclosure because of incompetence since I have been the only one trying to work this out. Collections Dept could not wait to ruin credit as fast as they could sent it. Would like to Drive to NEW JERSEY . PS. Three words you could use to stop foreclosure ( PRODUCE THE NOTE! )

by sj From Mount Laurel, NJ on May 20, 2009

does anyone know the names of these crooks? I heard they are in the south maybe florida someone respond I need names.

by Anonymous From League City, TX on May 18, 2009

This is the worst company I have dealt with. I just hired an attorney in the hopes of PHH actually accepting a short-sale offer.

by angry and confused From Long Beach, CA on May 14, 2009

1 day before closing, we get a call from PHH saying we will need an additional $25,000 down payment to get our loan. ONE DAY BEFORE CLOSING ESCROW!!! they made a miscalculation and put us through the entire escrow process, including requiring that the seller make significant repairs for our conditions to funding, wasting the agent's time, the seller's time, OUR time, our MONEY!!!!! we are in shock. we will now lose the house, lose our earnest money, and lose the time and effort we invested in this home. from the sounds of what I am reading here, maybe it is better that we are not moving forward with this unethical company.

by Jay From Dryden, VA on May 11, 2009

Dont believe quote's such as: "I have dealt with PHH Mortgage several times and have always been pleased with their service and costs. It was very easy, fast and without hassle. I recommend their service to all my friends and family." Its just another PHH lacky who is tring to save face for a decietfull company.Our goverment bails out these kinds of companys while in the same fatal swoop sends us to the poor house.This country has become for and by the companys not the people for quite a while.I hate this country anymore and the person that wrote the above quote should go straight to hell!

by RETHA MUSE From Fort Lupton, CO on May 11, 2009

by Anonymous From Baltimore, MD on May 10, 2009

I've been going through the same run-around the past few weeks with loss mitigation. Luckily I am only a 2 hour drive from their offices in New Jersey. I'm driving there tomorrow and not leaving their offices until someone (aside from an operator or answering machine) talks to me and gives me the information I need. Will let you guys know if I have any success.

by Bill From Powder Springs, GA on May 09, 2009

My first loan with them went great, was very good service. This new loan on a different house is the worst process ever. The first loan rep went on leave and it is like all info is lost. I have been ask for dead book info on property I own in a different state. I am wondering if my personal info is safe, in that the first two times I have sent it it seems to be lost.

by Jon From Washington, DC on May 08, 2009

Ok, folks, here's how it works. It takes a while for them to process a loan modification even up to a year. Basically, they will continue with the foreclosure procedure while processing your loan mod request. Eventually, you will receive one in all instance, however, this is very important, there will be strings attached. For starters, your credit will be destroyed. Even though you enter into a repayment plan they still have you listed as foreclosure default on your credit report. Secondly, you are still in foreclosure default so if don't make payments or have difficulty making payments in the loan mod you go back to square one and they start the foreclosure all over again and this time without warning and only 60 days for sale! For those who send payment in good faith but they reject it, what they do is not except partial payment. What I mean is, say you owe $8000 from back payments but then you are able to make current monthly payments of what you owe. So you send them the correct monthly payment but because of the past amount owed, they reject the monthly payment because they want the full amount! If you are only 2 months behind, they will tell you not to send any payment. Basically, they have to get you several months late so they get you into a loan modification plan. Now, if you any sort of gov't loan, VA or FHA, they have to work with you! I had a FHA loan and entered into a loan mod with them. What happen was they were good to work with but they only offered me a few options such as repayment which only put me into a greater financial hardship. I come to find out that they should have done a partial claim thru HUD which would have given me a 2nd lien interest free, brought my loan current and kept me out of foreclosure default on my credit report! This offer was never on the table. If you are potential homeowner shopping for a lender, do not use PHH! You will regret it in the long run. If you are having problems with payments, etc and trying to work with PHH, don't sit by idle. Please do your homework. Once again, if you have a gov't loan, they are required by law to work with you. Contact a housing agency, credit counseling agency, lawyer, etc. Use the internet to research but if you don't taken action and be proactive, you will lose in the end. The Gov't knows there's problems in the mortgage lending industry. PHH is one of the bad guy's and eventually they will pay their dues. If there is a law firm out there reading these posts and wants to take on a giant, please do so. You will be inidated with consumers signing up in a class action suit against them. I feel all of your sediments in what you are experiencing since I've been there and I wish all you the best of luck in resolving your problems. Just be proactive!!

by Anonymous From Woodburn, KY on May 07, 2009

We too have been very wronged by this company!!! We are still waiting for a loan mod. to be accepted after submitting our paperwork January 27, 2009 when we were only 2 payments behind. We were lied to and told not to make our payments and that everything was going to be o.k. Now it's May 7, 2009. House is in forclosure and just got notice last week that they are going to sell at auction. We have two children who are going to have to be uprooted because of their incompetence to help us. Our credit score sucks so bad because of this company that buying is out of the question and there aren't alot of affordable rentals around here. Our whole lives are hanging in the balance and PHH doesn't seem at all to care. Also, a few yrs. back, my husband's identity got stolen from a man in New Jersey!!! Coincedence, I don't think so. It was probably an employee or an ex one from this company! I just thought of this when I read the post stating that they can get your personal information! Yes, everytime I call I get the run around usually from Indians who put me on hold forever. No extension numbers, no returned calls, no returned emails, zero communication. Yes, this company is horrible and they need to be prosicuted. We all need to get together and take this company down.

by NJ From Trenton, NJ on May 04, 2009

I have also been trying to get assistance from PHH. I filed my paperwork in February and each time I call it's a different story also. Waiting to see what will come of this.

by Anonymous From Stevens Point, WI on May 04, 2009

8 months ago I asked for them to modify our home loan. Since then I have depleted every source of money avalable to me and have still not heard from them. Each time I call it is a different story. This last time I was told it could take up to a year. A YEAR!!! I don't have an year. Again now they are sending my payments back to me. I can't make this work with them. They are the worst people (if you can call them poeople)vultures-stop, think, rent if you have too!!!!

by Virginia K From Fair Haven, MI on May 02, 2009

PHH should be investigated by the FBI! Seems to be enough ticked off and ripped off consumers here to file a case against them. They are thieves, con artists, liars and terriorist! They miscalculated my payments and tried to prematurely foreclose on my home. I know that they have forged names and falsified documents! Anyone here want to start a CLASS ACTION??

by Anonymous From Jasper, GA on April 26, 2009

by James From Summersville, WV on April 24, 2009

I'm trying to buy a foreclosed piece of property in WV. The buyers paid way too much and then forfeited their property. The house also needs repair. How difficult is it to buy property from them under these circumstances.

by randy washington From Philadelphia, PA on April 23, 2009

by Anonymous From Maplewood, NJ on April 21, 2009

THE WORST BANK EVER! ABSOLUTE PROFESSIONAL LIARS! PURCHASE SMOOTHLY - NEED HELP - YOU CAN DROP DEAD! THEY ONLY WANT MONEY - COULD CARE LESS ABOUT THEIR CLIENTS ONCE YOU SIGN THOSE DOC'S. HAVE YOU EVER BEEN TO A STORE WITH 50 CHECK OUT LINES AND ONE RETURN LINE, WITH A PERSON WHO'S DIZZY AS HECK AND NEEDS APPROVAL FROM 10 PEOPLE BEFORE THEY CAN HELP YOU. THAT'S THEM!

by Christine Wiatrowski From North Chicago, IL on April 14, 2009

Nothing but problems from the first time and even worse with my refi last year. I never seem to get a straight answers, I'm put on hold forever at the call center once I am finally connected to the right department, and I remember how the fees at the closing kept changing until I was actually forced to borrow from a credit card ( a situation I am still stuck paying off) Everytime I call I am so angry and frustraited I lose sleep for days. P.S. Are all mortgage companies like this?

by Anonymous From Wausau, WI on April 12, 2009

No customer serice, poor communication.

by Anonymous From Manteno, IL on April 07, 2009

Never had a problem yet. Thought I'd get behind in my payment one month, they explained some work out situations. I fortunately was able to pay them only 1 month late, paid 2 payments and they waived the late fee. I AM VERY HAPPY with the company. I have NO PROBLEM getting anyone on the phone and getting an answer.

by Homer From Wausau, WI on April 05, 2009

I agree with everyone who has had the unfortunate opportunity to deal with a crap hole of a company such as this. I was actually talked into using this company by Williams Realty here in Wausau, WI instead of the 2 local banks I had onboard. Not only should there be a class action suit against PHH/Cendant but any real estate company promoting them because they are receiving kickbacks. My experience started before closing. I had everything finalized 2 weeks before closing. The day of closing, I receive a call from the closer stating there is a problem and they need more money out of my pocket! We closed on time but were faxing and signing paperwork during the closing! Several years later I did had to do a loan modification and I do admit, back in 2005, they did work with me and I did receive a modification. Now however, I was in the last month of repayment which I met every month but I received a letter from HUD indicating that my home was being foreclosed upon due to failure meeting payments! I want to know what happened to my payments since everything was wired to them via certified funds as required. I was looking forward to my payments going back to normal. Just like everyone else, the only way I was notified was a letter from the local HUD branch itself that it was foreclosing! Nothing from PHH Mortgage. Yes, TJ in Jackonville, FL who works for a miserable company, you are a business and there as a business to make money, however, when you work with government funded loans or backed and insured loans YOUR company has/is fraudlent knowing that they can profit off everyday good people! Make all the excuses you want: pay your bills, buy a cheaper house, etc. bull cr*p excuse you want. When your company is finally put out of business and you have no job then you want us to feel compassion for you? Too Bad, buddy! I agree with others not to sit idle but take action and matters into your own hands or one day you will receive a knock on the door. Either do the local court filing, Order to Show Case, contact your government officials both locally, state and federal and contact agencies such as any HUD recognized credit counseling agency that can help you. Any law firm reading these posts, please feel free to start a class action suit on our behalf because you will have hundreds if not thousands of people sign on! Beware PHH.....

by Ricky Landrum From Blytheville, AR on April 04, 2009

by christina nix From Jasper, GA on April 02, 2009

by Christa From Jasper, GA on April 02, 2009

PHH is a rip off. Im not behind on payments, but needed to lower my payments due to a loss of a job. YEAH RIGHT. I really would like a class action lawsuit against this company

by Anonymous From Dayton, OH on April 01, 2009

PHH has gone downhill after they started servicing all these other mortgages. They didn't use to be that bad, very good actually with good customer service. But I believe what everyone is saying and here is our situation. We have our home financed through PHH and were looking to refinance. So, they always tell you to go to your original lender first. They gave us an OK rate but the closing costs were the same as if we were coming in blind from the street and they weren't already servicing our loan. Then the paperwork arrives and errors throughout, including instead of our town they list Mount Holly, NJ were PHH is located out of! Lots of figures not correct and it was like they didn't even listen to our conversation. Here is the real kicker. They hired some drive-by appraisal by some person who just got a licensed, and who must work for them. It had even more errors than the loan documents, comparing our new home to one that was 25 years old then stating it was 2 years old. We wrote our complaint, showed facts, and they still won't change the appraisal amount which is lower than what our tax amount is. Our guess is that they do this on purpose to get some kind of kickback from PMI insurance. We cancelled the deal but now are fighting them to get our deposit back. We will be refinancing elsewhere and I now need to go back and make sure they have applied all my additional principal payments right. I also thought they were a good and reputable company, but not anymore.

by ! From Anaheim, CA on March 26, 2009

This company is the worst indeed. I am a realtor in OC and have been representing a seller to shortsale his property through PHH Mortgage, the full package was sent back in October and follow ups were made every week, unfourtunately i will always get a voicemail and my calls were never return, finally the sale date was issued and called the company right away to find out what was going on!! few days later i get a call from a rep letting me know that the LOAN MOD got denied!!! this was no LOAN MOD THIS WAS A "SHORT SALE" package that was sent to them!!!! the package was sitting there for nearly 5 months and never got done until the sale date came around, we tried to ask them to extended and all we were told it was against policy ... I have worked shortsales since they came around and i have never came across a company so incompetent and heartless like this people. We now will have another forclosure in the county and most inmportanly a family is getting misplaced, this is sad because this owner did the right thing on trying to sell his home before it was taken away, but of course for this company is another phone call and that's it. VERY SHAMELESS for coorporations like this, this economy is going down to the tubes, GOOD JOB ASSHOLES!!

by TJ PHH IN JACKSONVILLE From Jacksonville, FL on March 25, 2009

well it's going to get worse. you think bush was bad and his spending was horrible. obama has a deficit plan of 3.6 trillion NOT BILLION. TRILLION a year. he'll spend more money in 2 years of being president than bush did his entire presidency....if you voted obama you deserve what happens to you

by Anonymous From Carlsbad, CA on March 24, 2009

They are the worst and most irresponsible business. I have been waiting for 3 months already and they do not respond to my letters, faxes, e-mails and voice messages. This company shall be closed.

by granados From Toledo, OH on March 24, 2009

Wow! Horrific stories!! At least I know I am not alone. The foreclosure process was started on my home right after I lost my mom and in the middle of a divorce after 29 years of marriage to a man that was unfaithful and using drugs. I was trying to pay all the bills on half the income. I did not know what to do. I was depressed, my life was shattered, I never thought anything like this would happen to me. I begged for help. PHH personnel said I would have to be no less than two months behind before they would send me any paperwork to modify my loan. It took me a while to gather all of the information, in the third month they started foreclosure proceedings. Eventually, after numerous phone calls and delayed responses, my loan was modified at a cost of over 7000.00 dollars. Even though they did the loan modification, the foreclosure is still on my credit report. I can't get a loan to fix the roof, the furnace, lease a car, pay for my daughter's college or pay all the other bills I was advised (by PHH) to let go until I got my loan modified. Now I am in debt up to my ears, can't refinance the house and can't sell it for a price that will satisfy my lenders or pay the 17500.00 I'll owe my ex as part of the divorce settlement. I am back to square one because I still cant afford the house on half the income and now my wages are being garnished for all the other debts that I was forced to let go to save my "priority," my home. So for those of you who work at PHH and felt it necessary to make such negative, hurtful comments ("buy a cheaper house," read before you sign," etc...) about good people who are struggling to deal with more than hard economic times, I always say, "stuff happens" and "what goes around comes around." God be with you when it comes your way.

by Anonymous From Palestine, TX on March 18, 2009

by TJ from jacksonville PHH From Jacksonville, FL on March 09, 2009

wow the person who thinks we are owned by citizens isn't very bright. you obviously didn't talk to someone who works for PHH I work for PHH and I know for a fact we are working with people every single day to mitigate/modify their loan. we didn't take a dime of the bailout money. also you people need to keep in mind that you should take a good look at the documents you sign when you get a mortgage. you agree to every single thing that happens on your loan. if you didn't read through it, it's your fault! also if you can't afford to pay a double payment you can't afford your home. if we ask you for something and you don't get it to us it's not our fault if we give you rules/guidelines to get docs to us and you just do it whenever. your home should be your first priority NOT YOUR LAST! if you weren't making your payments as you agreed to YOU DESERVE NOT TO HAVE A HOME!

by Charles&Tina Vermeulen From Avoca, MI on March 09, 2009

PPH aren't telling the truth. They do act like they are working with you, but hold you out! They would rather take you thru foreclosure of your home so they get the money thru the insurance that backs the loan. Then when your home goes thru the process of sheriff sale and don't sell it goes back to them for the owner to go thru a redemption of same amount they already got paid thru the PMI!!! The info I got was straight from a inside source that works for PHH!! The people that work for PHH have been trained well to defraud people out of their homes. We hired New Hope Mod to help us since we were getting pussy footed around from PHH for months. Excuses from PHH are the best ones I ever heard in my life. Anyways, these people at PHH put New Hope thru the same bull crap they did with us!! Come on how many faxes can be passes around and are readable by everyone but PHH!!! What ever, guess what PHH, I am writing to our President to let him know what your company is doing. This will not be a quiet time for us, and I hope others get the same motivation as us and start wrtiting letters. You are a scam PHH, you lie to people. Oh so other people reading this know. PHH is actually under Citizens Bank, and also under a name of Mortgage Electronic Registration Systems, INC., here New Hope and us were being led along thinking we were getting a loan mitigation/modification from PHH, and in real world we were foreclosed on and home put thru sheriff sale with out being told. A real estete agent shows up at our door telling us and says no one bought it and they were hired by PHH. And we find out after making several phone calls and getting passed around by PHH, they told us that Fanny Mae bought our mortgage thru the sheriff sale. So to end the confusion we got copies of the sheriff sale from the county building, and find out PHH was not even involved, that MERS was the holder. So all in all here is what we were told- Fanny Mae backed the insured amount of our loan (PMI), PHH are paid for the loan thru that. Then want us to pay more then what our loan was back to them. So they are double dipping the money, is that even legal??? Oh before I forget, PHH stole all our escrow monies when they first took over our loan. Said they didn't get them handed over when hired by Citizens Bank. How is that possiable? We have all our check studs and argued with them. And all they could say was it was it must of been used by Citizens Bank. We are not going to give into these people and their lies. EXACT WORDS from their inside source were, 99% of the banks that are doing the foreclosures because they are guarenteed the loan money wether the sale is completed or not thru the sheriff sales. And that 99% of people are wasting their time trying to do mitigation/modifications cause it dont benifit the banks. All the stimulous money going to the banks should be going directly to the people in trouble lossing their homes or already lost their homes. And for the comment " You should pay your house payment, dont blame the bank" LOL How can people make payments that are double of what they were told they would be after signing the contract of the loan?? Scammers are the worst people, and I put them right next to Serial Murderers since they take your life away from you and enjoy it!!! p.s. PHH is avoiding our calls now, and wont answer us about the double dipping, lying about who has done what, ect...

by Anonymous From Saint Louis, MO on March 05, 2009

I gave one of their representatives in California all of our personal information in an attempt to get pre-approved. He ran our credit and replied via e-mail that it looked like we could get a loan. He e-mailed the loan documents. When I e-mailed him with a few questions he got angry and told me to go elsewhere. I have NEVER been treated like that and we have had numerous real estate loans and lenders through the years.

by Anonymous From Bridgeton, NJ on March 02, 2009

by Anonymous From Mill Valley, CA on March 02, 2009

by Anonymous From Utica, MI on February 26, 2009

by Anonymous From Chandlersville, OH on February 26, 2009

by TJ From Jacksonville, FL on February 25, 2009

I currently work for PHH mortgage and you people are out of your mind. we don't forclose after 30 days! also the people trying to call the CEO what do you expect? he has more important things to do listen to people complain all day. that's why he employes people for what he calls the Office of the President. also it seems to me that all of the complaints are from people losing their home because they didn't pay their bill. is it our job to pay for your home? no it's your job! stop making stupid mistakes and try to actually get in a home you can afford. please keep in mind if anybody actually ever called me I would be the best rep they ever spoke to but reading crap like "I hope they go out of business asap" really upsets me. I need a job too people think about that before wishing negative stuff on us. also try to remember we realize that everyone is having issues but we are a business not a charity we will help if we can. Have a nice day!

by Anonymous From Mount Laurel, NJ on February 24, 2009

Like it's always the mortgage companies fault when you just sign anything @ the table without reading

by Pj Mellon From Sea Cliff, NY on February 23, 2009

To all of you with a PHH Mortgage, the company has signed on with HUD & the Federal Housing Administration, which on that web site provides the following number's 800-330-0423 & 800 750-2518. If they are taking money from the Government Stimulus Plan then they have to work with you.

by Virginia From Fair Haven, MI on February 23, 2009

I have called the FBI on them. They have tried to steal my home for over a year now. I am still in need of help. They did a loan mod but rolled in 25,000 in fees and my payment is the same! Looking for others to start a class action!

by joann engels from minocua, wi Fe. 2009 From Woodruff, WI on February 22, 2009

My husband and I refinance through our bank Mid Wisconain our home in 2008 and it was sold to PHH, now we are going to be late are first time, I called Phh for help and they said we could refinance of course at a higher interest rate, or be late before they could do anything for us. What are we to do? I have read all of the complaints and agree with the majority.I have to wonder if our bank check them out before selling our morgage.

by Anonymous From Norwalk, CA on February 13, 2009

I can relate to the frustrations of all of you. I recall reading a comment from someone stating that we should just 'suck it up' and next time purchase a cheaper home. It is not about owning a cheaper home or a million dollar one! Foreclosure fraud is a BIG DEAL!! They started foreclosure on our home when we were only 30 days behind! ILLEGAL. Anyway, we got a good attorney and we are winning our case! Keep your heads up, get an attorney to represent you and file a response and counterclaim to their foreclosure lawsuit, and call it a day! Don't put up with these ridiculous foreclosure fraud scams! Good luck!

by franklin From Butte, MT on February 13, 2009

PHH is one of the worst companies I have ever dealt with. The information is really inconsistent when calling in. I received a new payment book for 2008/2009 that was blank. I called the company to get a new one with information in it. I was told there would be no charge for this since the first one was blank. I did not receive for quite sometime so called back and was told it was mailed and was charged this time. I stated why should there be charge when the information was blank the first time. Rep stated nothing could be done about it. Similar things have happened like this that have been ongoing and I do not recommend this company to anyone. Stay clear.....

by Employye who quit after one year From Mount Laurel, NJ on February 12, 2009

Just something I want to share as an Ex-employee of Cendant/PHH mortgage. When I was working with Cendant/Phh I found it to be a horrificly stressful job. Mandatory overtime was very commonplace instead of increasing the hiring rate. Turnover was heavy for a corporation in my educated guesstimate. Also, quotas were enforced in almost all departments! Including Loans, Originations, Appraisal, Title, Credit, etc. Job functions were very redundant (super boring) because most departments had subdepartments and the best way to learn or defy the boredom factor was to jump to another department. Workforce was comprised mostly of youthful inexperienced people, who hopefully learned on the job. Workforce moral was overall low. Imagine going to work, logging into a phone (this is how your time is managed and paycheck figured out). You have 8 hours - two 15 minute breaks and one half hour lunch. You must log in and out of the phone every time you leave your desk. Break, Lunch, Bathroom, whatever the reason - LOG OUT! If you are logged out for too long from your phone - a manager lets you know, if it continues, you are provided with a warning. Most days I could go the entire 8 hours without a bathroom break or just go on breaks. That wasn't hard for me. BUT I HATED THAT PHONE! It was a militaristic type environment but with a negative undertone. My building (one of several such) was comprised of cubicles packed like a sea of sardines. you could go to work one day and be told you are moving desks but staying in the same department. The reason? This was HR's way of detracting complacency and getting people to know each other more. I hated it, I wanted to go to work do the best job I could and go home. Not play games with moving my desk every 4-6 months. What kind of mental games would be played by the company regarding employees? Competition: Which department can stay logged into their phone the most in a day! Winner gets a free lunch certificate! Lunches were not that great to begin with, secondly 5 departments may lose and 1 may win. Guess who wins the most - THE COMPANY BY increasing productivity! People knew these games and did not care to play them. Competitions were never ending and uninspirational. As an employee your job never changed much, but the games surrounding it always changed from week to week. I hated working there, moral was low, I just gave up and quit one day - without having a replacement job! The worst thing anyone can do with debt/bills to pay. BTW, title and appraisal companies hated us! Why? because we would call them all the time and ask - when is title work gonna be ready - when is the appraisal gonna be ready! Note it in the database, call again the next day. I would have VA appraisers get very mad at me! The government moves at its own pace and a call from joe blow at the mortgage company ain't gonna change anything. One last thing to keep in mind: This place has to be the best place in the world to steal personal information. epartment and others had access to: Names, Addresses, Social Security Numbers, Loan Amounts, Interest Rates, Personal Comments regarding client, contact, Employer name, Employer Address, Reported Salary, on and on. For fun, I used to look up sports stars and radio personalities in my area. Just to see what I could dig up. All I had to do was type in a last name or property location - BOOM PERSONAL INFO GALORE, even if I was not dealing with the account at the moment. Tons of people had this priviledge.

by beck schoessow From Stevens Point, WI on February 10, 2009

Had a deal with tehm up until 3 days before the sale. 2 of those days were weekends!! Won;t discuss it. Blame Fannie Mae, well tehn why did they offer me a plan in the first place!?!?

by Anon From Estacada, OR on February 07, 2009

I've had good luck with PHH. Why do they owe you anything? It's not their fault you didn't make your payments. Where does it say they are required to modify your loan or defer payments. Get a grip, buy a cheaper house next time so you can afford it.

by Anonymous From Lake Arrowhead, CA on January 30, 2009

Everyone, venting here does not help. these letters need to be sent toyour local government and then to our congress and president. every issue with every bank. giving up is not the answer. these are strange times for all of us. very unsure and devistation is happening around all of us. its time to act. every letter you send should be cc'd to the government and if you are only talking on the phone to your bank then make notes and send those again to our government. people get angry and figure they cannot make a difference. you will never know if you don't try and there is more chance to be noticed in larger numbers. this problem is statewide. start voicing your thoughts ti them. demand your government stop this craziness!

by L Hamilton From Shawnee Mission, KS on January 27, 2009

I'LL KEEP IT SHORT - DON'T END UP LIKE THE PEOPLE IN THESE COMMENTS - DON'T DO BUSINESS WITH PHH MORTGAGE - RUN THE OTHER WAY AS FAST AS YOU CAN.

by William Granado From Patterson, CA on January 25, 2009

They actually advised us to be late in our payments as they couldn't begin the process of helping us until we were at least two months behind, now that we are, do you think they are helping us? NOT...what a nightmare. Of course we have no proof they told us that, we don't normally record our conversations. They are unscrupulous and should not be "helping" their customers by that means. My advice...don't do it, don't listen to them.

by Gdogzgurl From Patterson, CA on January 25, 2009

PHH customer service actually TOLD us to be late as they would not even consider any kind of loan remodification until we were at least two months behind on our payments. We have NEVER been late not once and now that we have had no business income for 5 months due to the economy meltdown we are late for the past two months.Do you think they will now help us and negotiate a remod of the loan? NOT, THEY TOLD US to do this...this is WRONG!!!! Of course we have no proof as we don't record our conversations, but we needed help and didn't want to get in this position and now we have nowhere to turn because of their unscrupulous advice to their customers...good luck to you all when dealing with them, don't do it is my advice.

by Gdogzgurl From Patterson, CA on January 25, 2009

PHH customer service actually TOLD us to be late as they would not even consider any kind of loan remodification until we were at least two months behind on our payments. We have NEVER been late not once and now that we have had no business income for 5 months due to the economy meltdown we are late for the past two months.Do you think they will now help us and negotiate a remod of the loan? NOT, wtf, THEY TOLD US to do this...this is WRONG!!!! Of course we have no proof as we don't record our conversations, but we needed help and didn't want to get in this position and now we have nowhere to turn because of their unscrupulous advice to their customers...good luck to you all when dealing with them, don't do it is my advice.

by Elam From Palmyra, VA on January 22, 2009

I have been on hold for the PHH Loss Mitigation department now for 2 hours 22 minutes and counting. Last time I called I was on hold for over 1 hour, put through to someones voicemail box, and that box was full so I was not even able to leave a message. Though from what I understand through these other posts, a message would not have helped. This is the most ridiculous thing I have ever experienced. It is not good business to treat customers this way. I understand that they are a business and do not really want to work with anyone who is in financial crisis, however, there is a way to handle that effectively and this is not it. For example, have someone actually answer the phone to tell me that there is nothing they can do. Have a voicemail box or email where you can leave a message to be called back within 48 hours. I think this is reasonable. I call the phone number to Terry Edwards that was provided and got his secretary. I was told he might be in tomorrow. Somehow I doubt that. Does any have a number to actually reach someone?? 2 hours 27 mintues and counting......

by Anonymous From Owings Mills, MD on January 22, 2009

by KATIE JEWETT From Whitefield, ME on January 17, 2009

by Greg Grimes From Grant, AL on January 16, 2009

Serviced through Instamortgage.com. I agree with the previous comments.

by Dennis Mountain From Altoona, PA on January 16, 2009

by Dennis Mountain From Altoona, PA on January 16, 2009

by maria From Middle Village, NY on January 15, 2009

Ive been reading all these comments and everyone of them breaks my heart.Just to begin I agree that Phh is the worst ever.I have been throug a whole foreclosure process with them.To make a temendously long story short , my home was scheduled for auction on Nov 7th 2008...without any notice to me...the only way I found out was because a friend of mine called their attorney and asked info on purchasing a foreclosure...well I flipped...I was able to stay the sale by going to court and self representing myself.I explained to the courts that they had never notified me in fact Phh AKA CROOKS...had sent to the courts bogus affidavits that supposedly someone had accepted at my home...it turns out they did not do their homework because the person they state accepted the summons has been dead for over 15 years...well I sent all my paperwork to state senators and attorney generals here in NY as well as Nj...I also sent my info to the FBI...These crooks should be investigated and stopped.Guess what...someone must have gotten back to them because all of a sudden they finally contacted me from loss mitigation and offered a couple of different options to put my loan back in reinstatement...the options suck and they will not lower my interest rate...I had to add 10 more years to my loan...but in the meantime this buys me time and hopefully the market will get better and I will be able to sell my home(MY MORTGAGE IS STILL TOO HIGH)I signed an agreement but I am still sending this crappy loan modification to the feds.The only thing I can suggest to anyone out there is...do not just wait...go to your local court and file an ORDER TO SHOW CAUSE...these crooks will have you thinking they are working on your application but they are really working on foreclosing.....I wish all of you luck.

by maria From Middle Village, NY on January 15, 2009

Ive been reading all these comments and everyone of them breaks my heat.Just to begin I agree that Phh is the worst ever.I have been throug a whole foreclosure process with them.To make a temendously long story short , my home was scheduled for auction on Nov 7th 2008...without any notice to me...the only way I found out was because a friend of mine called their attorney and asked info on purchasing a foreclosure...well I flipped...I was able to stay the sale by going to court and self representing myself.I explained to the courts that they had never notified me in fact Phh AKA CROOKS...had sent to the courts bogus affidavits that supposedly someone had accepted at my home...it turns out they did not do their homework because the person they state accepted the summons has been dead for over 15 years...well I sent all my paperwork to state senators and attorney generals here in NY as well as Nj...I also sent my info to the FBI...These crooks should be investigated and stopped.Guess what...someone must have gotten back to them because all of a sudden they finally contacted me from loss mitigation and offered a couple of different options to put my loan back in reinstatement...the options suck and they will not lower my interest rate...I had to add 10 more years to my loan...but in the meantime this buys me time and hopefully the market will get better and I will be able to sell my home(MY MORTGAGE IS STILL TOO HIGH)I signed an agreement but I am still sending this crappy loan modification to the feds.The only thing I can suggest to anyone out there is...do not just wait...go to your local court and file an ORDER TO SHOW CAUSE...these crooks will have you thinking they are working on your application but they are really working on foreclosing.....I wish all of you luck.

by Anonymous From Lancaster, OH on January 14, 2009

In no way want to help recify situation. When I sent all requested information for refinance, forebearance or whatever, they say the never received it and when I call and can get a human being on the line, they say they are not here to help me. Awful, awful company.

by Anonymous From Palmyra, VA on January 13, 2009

This is the worst Mortgage Company. I would avoid at all cost. They customer service stinks. I am in the process of trying to keep my home but being a niave first time home buyer I was so excited to get into a house I accepted a loan that was just un-affordable. I was forced to file Chapter 7 and am still struggling trying to make payments. There seems to be no help from PHH - they have been no help at all.

by Renae H. From Dubuque, IA on January 12, 2009

I am so relieved to see that I am not the only person who has been CHEATED by PHH. Everything that has been described here (calls not returned, being put on hold for 60+ minutes, terrible customer service) has happened to me. My home is now in foreclosure even tho I had submitted paperwork for a loan modification asking to miss only 2 payments. I have now had to take money from my 401K (with an enormous pentalty) to reinstate the loan. In all, their ineptitude and laziness has cost me over $4,500 in fees and penalties. Oh, and how much was I actually behind, $1,240! Disgusting. I would definitely join in a class action lawsuit to make this company pay for the terror and emotional stress/anxiety/panic I have experienced at their hands. I have already placed a complaint with the Better Business Bureau. If my credit ever recovers from this, I will immediately refinance this loan.

by Anonymous From Port Charlotte, FL on January 07, 2009

Ruined our lives. Call Terry Edwards the president and chief executive officer directly at 856-917-1744 ext. 76845 and let him know how unethical this company is.

by Daphne Day From Ellenwood, GA on January 06, 2009

by Anonymous From Chisholm, MN on December 30, 2008

These people play a game. You have to be sure and call them, leave a message, they never call back, you call them again, get the run around, answering service, get connected to another extension, repeat your loan number, leave your name, blah blah blah. I've done this several times. How very frustrating. I lost my job in May, because the company shut the doors, I sent PHH my financial information and every other thing they asked for. No response. They alsays give the run around. This seems to be pretty familiar behavior for them. Are they even legitimate? There seems to be a lot more complaints than complements. Hmmm, let's think . .

by Anonymous From Alhambra, CA on December 23, 2008

by Ms. New Jersey From Willingboro, NJ on December 21, 2008

I used to work for this company for 1o years and the customer service dept is so messed up. You can't get any of your issues resolved in a timely fashion. Everyone bumps up the call with no resolution.

by Ms. New Jersey From Willingboro, NJ on December 21, 2008

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by anonymous From Prior Lake, MN on December 21, 2008

This company stinks! I would not recommend them to my worst enemy. Their customer service is non-existent. The only people you can ever talk to are $2.00 an hour script readers in India! How they stay in business is totally beyond my comprehension. They can't go belly-up soon enough as far as I'm concerned!!!

by Oludotun Akinola From Charlottesville, VA on December 20, 2008

by Anonymous From Mcdonough, GA on December 17, 2008

PHH is as awful as you read here. While some people are seeking help without recognizing PHH is a business first and not a charity organization, many others are bill-paying, hard-working, gainfully employed, credit-worthy Americans who, when attempting to do ANYTHING with PHH outside of a regular monthly payment are getting treated like garbage by the reps in India and America. They have some good apples, but those are quickly run out of the organization because they are severely overworked and financially penalized for trying to help the customer over the company. It's unfortunate that banks/credit unions with excellent customer service reputations sell their mortgages to a documented unscrupulous company with deplorable customer service like PHH. You have many options, please avoid PHH like the plague. ALWAYS KNOW BEFORE CLOSING WHO YOUR LENDER SELLS THEIR LOANS TO.

by Sue Heffernan From Roseville, MI on December 13, 2008

by Anonymous From Bray, OK on December 01, 2008

My experiences with PHH mMrtgage have rarely been pleasant. Many times throughout the past 10 years I have been treated less than professionally. Now that I am trying to do whatever I can to keep my home- the only home my daughter has ever known, I have not been able to speak to the counselor assigned to my account, even though I have left messages including contact information. I have only been able to speak to the person who answers for the Loss Mitigation Department, who can only give me general information about my account. Although I have submitted and confirmed receipt of a completed workout package, the foreclosure process has been filed. I was told that it would take between 30-45 days for an acceptance or decline for any assistance. Unless I am approved for assistance, I will lose my home. Even worse is that my home may be sold in a Sheriff's Sale before my paperwork is even reviewed. However, I sit on pins and needles daily because I have not been able to get detailed information from my Loss Mitigation Counselor. If ever given the opportunity again to purchase a home, I will not use PHH Mortgage Services.

by Anonymous From Hinsdale, NH on November 21, 2008

by Anonymous From Imperial, MO on November 21, 2008

It seems like noone cares what happens. Our economy is bad and it makes me mad that our government is bailing these companies out and we are losing our homes. I have noone to bail me out in these times when it's tough for everyone. People are losing their jobs, cost of living is out of control and the whole world is falling apart.

by Adrian Johnson From Waldorf, MD on November 20, 2008

by eliana fermin From New Haven, CT on November 20, 2008

by DLT From Tucson, AZ on November 18, 2008

Why can'tsomething be done with this obviously corrupt organization? Can we all file some kind of class-action suit against PHH at least to let it publicly and widely be known that there ARE INDEED corrupt and inept mortgage companies out there and this is who the government wants to bail out! That is probably why they are corrupt and getting away with it, no one is looking into PHH and investigating!

by DLT From Tucson, AZ on November 18, 2008

Why can'tsomething be done with this obviously corrupt organization? Can we all file some kind of class-action suit against PHH at least to let it publicly and widely be known that there ARE INDEED corrupt and inept mortgage companies out there and this is who the government wants to bail out! That is probably why they are corrupt and getting away with it, no one is looking into PHH and investigating!

by John Mohan From Chicago, IL on November 18, 2008

I spent more than an hour on hold today to speak to someone - and was then told they would get back to me in 30 to 60 days - all the while the foreclosure is in process.

by lorraine robertson From Omaha, NE on November 18, 2008

I like my mortgage company. But lately I've been confused about them. If you say you dont want your lendee to lose home, then why not take the step to eliminate past debt and keep setting up for failure.

by Anonymous From Cleveland, TN on November 15, 2008

by Anonymous From Huntington, TX on November 15, 2008

I guess they are only trying to stay in business and pay their bills, therefore they must have our monthly payments. But I do know that they are very quick to say Foreclosure each time you are a month late, some of us do have accurate reasons to at times get behind, but that is why a business and a client must try to work out each situation so that we all will then survive. I only wish they would reevaluate the process they use on seeing if they are willing to help in times of need because LIFE happens and we do not have control of certain reasons we do not have the payments on time and they should come up with a faster way to help keep their home owners in the homes and not be so quick to Foreclose. I pray that I get to keep my home and one day pay the Last note to them. Times a

by AJ Pappalardo From Havertown, PA on November 12, 2008

I am facing foreclosure and thaks to a back injury that kept me out of work for 4 months I fell behind on payments. I filled out and faxed over all the information I needed to. I have left 5 messages waiting for their horrible customer service reps to call me back. To this day I still have not received a call back. I am 27 years old and have a 2 year old son who I take care of by myself. You would think a company would care? I also have tried making payments and partial payments but if you dont have the entire amount they don't want your money. Can someone tell me how that makes ANY SENSE? You try to pay and they say no, but the idiots will foreclose on a property. NEWS FLASH to anyone from PHH reading this.... People fall on hardtimes sometimes and not all people are bad who can pay but just dont. GIVE PEOPLE A BREAK AND WORK WITH THEM!!!!

by Abrahman Ibrahim From Pitman, NJ on November 12, 2008

I LOVE PHH - if you understand the mortgage business you should have no problem. As for comments about the mortgage payment going up every year it will and this is because of both taxes and insurance so before you go knocking PHH Mortgage you'd better know what you are talking about

by Melissa Collins From Auburndale, FL on November 09, 2008

by Shawn R From Canton, IL on November 07, 2008

They are very difficult to work with if you become behind on your loan. I was near foreclosure and found a buyer for my home. The company wouldn't talk to the realtor and filed foreclosure proceedings.

by Anonymous From Terre Haute, IN on November 06, 2008

PHH transfered our loan to an attorney after two nonconsecutive missed payments. They refused to talk to us and refused payment of the two payments we were actually behind. Once you are a single payment behind, they shut you out of online payments. Their attorney refused us information about what we owed saying they had to get that information from PHH, giving them time to pursue foreclosure and add over $2000 in fees.

by Anonymous From Winchester, CA on October 30, 2008

Customer service is terrible. I really think they WANT to foreclose.

by Anonymous From Joppa, MD on October 15, 2008

by Anonymous From Mcdonough, GA on October 15, 2008

by Jennifer Haislip From Charlotte, NC on October 09, 2008

by Perry Brian From Visalia, CA on October 07, 2008

When I knew that my job was being cut back I called PHH before a payment went late. I explained the situation, and they sent a packet of forms for me to complete and get back to them. I completed and faxed in along with bank statements and employer letters. After a couple of weeks I received a call informing me that I didn't make enough money to be approved for any type of program. "SO you now owe us $5500 plus fees, can you take care of that today?"

by Sue From Ingleside, TX on September 29, 2008

Our first mortage OK until we had a flood and couldn not get the money. second was so so the third time it was a NIGHTMARE. Terrible service no body knows anything. Transfered from one person to another. Still trying to get them to update our credit report for a loan that was paid off 2 years ago. Would not send ANYONE to them. Could get out from under them fast enough

by 88keys From Grayville, IL on September 29, 2008

Though my mortgage is with my local bank, the actual servicing is done through PHH. Love my bank (Integra), HATE PHH. We had a problem with a shortage in our escrow account (not PHH's fault). I have called three different times in the last couple of months, trying to find out how much I owe and if my payment amount will go down after the shortage is covered. I have received three different answers. I used to work in customer service myself, so I recognize incompetence when I see it! Their representatives seem to be very poorly trained on the product they are servicing. Avoid this company at all costs if you can!

by struggling in mich From Romeo, MI on September 29, 2008

phh does not seem to care after leading us to believe they wanted to work with us in a loan modification. they avoided my calls, never returned them until i finally e-mailed one of the counselors on our case. he had no clue, wanted us to fill out another financial statement even after every rep told us it was complete and just waiting a decision. well, their decision was to significantly raise our monthly payments. the house is worth much less than what we owe, and they seem to want it to go to foreclsoure waiting three months and now it's in auction sale. i screwed up, but followed their recommendations and they wasted our time. i believe phh is crooked.

by Mike M. From Gautier, MS on September 20, 2008

My Wife and I bought our home in SEP 1999 through USAA as we were very happy with their services. At the closing we found out that the loan was being serviced by PHH/Cendant and it was explained to us that they were part of the USAA family. After closing we found out that the mortgage had been sold to PHH and has nothing at all to do with USAA. PHH has been nothing short of abysmal to deal with. We have never been late with a payment nor have there been any issues that should cause trouble. But every year our escrow "comes up Short" and the payment has to be raised Every time this comes about we get a notice that if we pay the shortage the monthly payment will not increase. My advice to you is don't bother the payment goes up any way and they always have an explanation. "Your taxes went up", or "Your insurance went up". I keep copies of my insurance statements and tax statements and I have never had an increase of more than $200.00 total yet my excrow is always about $800.00 short even when we pay the supposed shortage "up front". When they are questioned about this they get vague and put you on hold for an hour. Recently our home was heavily damaged by Hurricane Katrina and unfortuately we had "insurance issues" the insurance would only cover about half the damage and that is still in litigation. we ended up going about 70 thousand in debt to fix the home because the insurance check was made out to us and PHH and they refused to disburse funds for nearly a year. Of course i shouldn't be too harsh they were merely "making sure I spent the proceeds wisely" It took a trip to the attorney to finally get our insurance settlement from them. No telling how much they made in interest of holding our money. I finally finished the home about a month ago. We had also applied for several home owners grants from The federal govt and the state. We were turned down not because we didn't qualify but because PHH refused to return required documentation. We sent the material to them overnight mail Return reciept requested and have signatures for every time we sent them paperwork, yet everytime they either mysteriously "misplaced it" or "never recieved it" even though we have signed reciepts from them everytime mail was delivered to them. Recently we finally did qualify for a grant for about eight thousand, whcih still leaves us 62,000 out of pocket. one small problem the state made the grant check out to us and PHH mortgage so I figure it will be months before we get the money or the check back. Will keep you posted. My advice never do business with this company they are incompetent at best and incapable of doing business in an orderly manner, otherwise they are decietful and defrauding thousands of customes a little at a time. Thank God We have excellent credit and could finance much of the repairs ourselves and through our Credit union. As soon as I get some of the remaining debt paid down, I will be refinancing my loan through the credit union and will never under anycircumstances do business with this miserable company again

by Anonymous From Altoona, IA on September 19, 2008

by MJ From Holland, MI on September 17, 2008

Just waiting and more waiting. The government is bailing all of these institutions out using our money and they just sit there and make us suffer. Unbelievalbe.They all lie and tell you that you need to be upfront with the banks and they will work with you. NOT TRUE. You can call, and call, and call and call with no response from them. I want a jury trial when they try to make me pay any difference owed after a foreclosure sale. The FBI should be involved in this banks practices. In case you can't figure out where we stand on this companies reputation, let me just spell it out. PHH STINKS.

by L McCulloch From Dyersburg, TN on September 11, 2008

My husband, Mike McCulloch, and I have done everything humanly possible to maintain the mortgage on the property I own - or is that did own - at 708 East High Street in Union City, Tn. In 2007 our business sustained a huge loss, $150,000.00, and we have been struggling every since while awaiting the outcome of a lawsuit we have filed in an effort to regain a portion, if not all, of our loss. After receiving correspondence offering the option of reducing the monthly payment on this property, my husband (Mike McCulloch) filled out the necessary documents and faxed them in May of 2008. While we waited for a response, I received a notice saying I was facing foreclosure on the property in question. Stunned, we contacted PHH and were told that the documents we faxed had been misplaced and we needed to send them again, I was not being foreclosed on, computer generated mail, etc....This all occurred in early July after numerous phone calls had been made by us in an attempt to get a status report, or some type of response, to the information we had sent in May. At that time, my husband offered to make the two payments owed but was told they would not be accepted because we were 60 days delinquent. (Which we wouldn’t have been if anyone had ever told us that the original set of documents had been lost. The only answer we ever received was that “They were working on it.” “It” being the refinance of the property based on what was owed.) Finally, we were told that the information we sent in May was no where to be found and we would need to send it all again but “not to worry” it was noted on my file that all the errors had occurred and there would be a speedy conclusion to the re-financing and all would be well. We received a new set of documents to fill out, did so and faxed them again. These were received by PHH on August 10, 2008. Since I had continued to receive letters from an attorney concerning a possible foreclosure, I was skeptical that PHH had any idea what was going on but continued to hope that all would be well. Surprise - I get registered mail stating that my property is going to be advertised in the local paper as a foreclosure offered for sale on August 27, 2008. After contacting the lawyer, I was assured that nothing concerning the refinancing option had moved forward as the documents were again, laying on someone’s desk but if my husband provided a certified check for $2100.00 by Friday 8/29 and paid $1300.00 for the next nine months we could reinstate the mortgage but nothing could be done to stop the notice appearing in the paper. I was then contacted by Genworth Financial who I believe holds the mortgage insurance policy on the house. In conversation with Genworth, it was noted that they (Genworth) showed that the documents we said we had submitted in May had indeed been submitted. Why PHH had no record of this now or had done nothing with them was a question they could not answer. Furthermore, Genworth had a record that we had attempted to make the two payments and those payments were declined. Genworth also noted that we had resubmitted the documents necessary to refinance what I owed on the property. This was the most amazing fact though – Genworth had no documentation concerning a foreclosure. They were somewhat surprised. I discussed the situation thoroughly with Genworth and was very impressed with the documentation they were able to provide along with their genuine concern over what had transpired. In what has to be the most bizarre turn of events, PHH contacted my husband yesterday via his cell phone – September 10, 2008 – and wanted some information from him so that the documents we had resubmitted in August could be completed and a decision reached. (This is after the property has been advertised for public sale in the newspaper on August 27, September 3 and September 10.) He was fairly amused as was I. Those documents were received by PHH on August 10, 2008. Why in the world did it take over a month for someone to decide that further information was needed? He lost the call while crossing the Mississippi River Bridge and called back three times leaving messages each time. No one has called him back – I would imagine that whoever he was speaking with heaved a sigh of relief thinking he had hung up on them. (To say that my husband speaks his mind would be an understatement and he really has very little use for PHH at this point) I did my part by contacting Genworth this morning to confirm the information I had already received from them – which I did. I should also note that Genworth confirmed that PHH received our resubmitted documents on August 10 but did not begin processing them until September 4. The lady I spoke with did seem very concerned that this had been handled so poorly and that there had been such a lack of timely information and communication on the part of PHH. I will forward all documentation of this nightmare to our attorney. In the conversation my husband had with a PHH representative yesterday, it was pointed out to him that we would be responsible for all legal charges concerning this foreclosure proceeding. In the event that these charges are billed to me, I will use every means at my disposal to protest paying them. This situation did not come about because we were unwilling to make the necessary payments. It came about through error and lack of attention on the part of PHH. I am a Realtor and I can assure you that I have spent a great deal of time trying to sell the property in question. It is not our primary residence and I have rented it off and on for the past four years. (I paid the increased insurance premiums necessary.) Even though we were not living in the property, we had worked diligently to make the payments and “do the right thing” since I had been unable to sell the house. I hoped to eventually be able to sell the house and, at the least, recoup my $15,000.00 down payment. The housing market in Northwest Tennessee is poor and the chances of the property selling in the next six months are slim. Union City, where the property is located, is a very small town and any hope of selling the property for what I owe on it evaporated when the foreclosure notice came out in the paper. I have handled short sales, REO properties and any other type of real estate sale you can imagine so I feel that I am qualified to say that this mess is not going to turn out well for anyone involved. Hindsight being 20/20, I wish we had never attempted to re-finance the balance of the mortgage and had just kept making the original payment. In an effort to help our cash flow and remain in good standing with PHH, we trusted in the abilities of PHH employees to see to our best interests. Our trust was misplaced and misused. Thank you for your time, Laura J. McCulloch McCulloch and Sons Farms Farming without interruption in Dyer County since 1824 “Godspeed the plough; Long life and Success to the Farmer.”

by Bob From Shelbyville, TN on September 01, 2008

I am very suspect of this company. When we found out that we did not have to pay city taxes and got that taken off the monthly bill they "magically" raised the escrow amount to compensate-- claiming they had underestiamted the taxes??? go figure One thing is for sure- the worst communication and customer service ever!

by chuck From Romeo, MI on August 29, 2008

it's funny how the canned pros are writting by this company. the real ones are negative. why would happy customers go to a blog and bash. phh is really bad news. they have lousy customer support, and they are stalling on my loan modification. they ignore my calls and some reps are total assholes. they seem to want this place to foreclose and keep pushing me into a short sale rather than restructuring the loan. i will never go with them again.

by anon From Oradell, NJ on August 18, 2008

PHH Mortgage is the worst mortgage company ever. They do not return calls, or emails. Tried to work with them, their lack of communication with me resulted in them going ahead and starting foreclosure proceedings.. Had we actually spoke, I feel we could have worked this out. I'm willing to bet the majority of foreclosures in the US are a direct result of PHH Mortgage not getting back to homeowners and posting thier checks in a timely manner. Their Loss Mitagation Department is a huge joke. I suggest you get an operator, and hang on the line until you speak with a HUMAN. Do NOT let them throw you into a voicemailbox- they are usually full anyway. Average wait on a phone call is 60-90 minutes. Good Luck Everyon

by cheryl From Huntington Beach, CA on August 12, 2008

Every company is great until you have trouble making the payment. Then you see the true company. PHH you lead people on to believe they have a chance at loan modification,but do they really or is this a step to buy you time for foreclosure.If these were comments about my companies sevices I'd be ashamed. Quit selling the loans for 50 cents on the dollar to foreign investors and let Americans work out the same deal.

by Anonymous From Providence, RI on August 08, 2008

I have called them several times on the phone and have waited 45 minutes to an hour and a half for a representative to answer the call only to be told if you cant afford the mtg then foreclose the home. I feel they should have been a bit more sensitive to this issue since the outcome effects the whole country.I am willing to try to work out a lesser payment plan to keep my home.

by Gwen Humphreys From Hatboro, PA on August 06, 2008

by Anonymous From Bluffton, SC on July 31, 2008

This company should be folded. Its employees provide no information when you call, refer you to voice mails and intentionally make it difficult to find out your loan status. My personal experiences include continuos loss of payments they claim not to have received - I am constanty forwarding Proof of Electronic Payment to prove I have made payments.I have had my payments continuously raised without any notification. I receive foreclosure notifications frequently but whenever I call to identify which payments are due, I am told they do not have my file available but they will research it for me. I never have phone calls returned and in general, find this company to be toally aginst the homeowner.

by Amy Jones From Deer Park, TX on July 29, 2008

by Anonymous From Katy, TX on July 26, 2008

by Anonymous From Vail, AZ on July 24, 2008

They raised my payment without notice. The customer service line need to be open on Sat. I live in the west cost which mean they close at 5, i work until 6. Will not recommend them.

by Anonymous From Dunkirk, NY on July 24, 2008

by Big T From Los Angeles, CA on July 23, 2008

I have had a decent product from them for about 3 years now. I cannot complain. I have had no reason to have to call them, but I like the rates. I AM however worried that if they lent to a lot of folks that cannot afford the product I am going to be fucked by a corporation that lent indiscriminately and is going to leave my wife and I with the bag to hold.

by Anonymous From Valparaiso, IN on July 19, 2008

They raised my payment without notice and when I tried to go online for their website 300 things come up except theirs! Ugh

by Max From Cedar Rapids, IA on July 08, 2008

I went to a local credit union for my mortgage to get "local" service. They immediately sold my mortgage to PHH and it has been a nightmare ever since. It's hard to reach anyone on the phone and when you do they are very rude and inpatient. I purchased my house well below what is worth and also made major improvements over the last two years. I called to get my rediculously high PMI dropped because the loan to value ration HAS to be well over 20% now. When I asked about getting it taken off, they told me that I could not remove it because the only way to reach the 20% was either by paying it off to that point or by adding square footage to the house! I was furious! I made major kitchen and bathroom rennovations which drastically improved the value of my house but they claim I have to add an addition to the house in order for it to be worth more?!?! It's worth the fees to go refinanace through another lender just so I don't have to deal with them any longer.

by Anonymous From Grandview, MO on July 02, 2008

by Anonymous From Opelika, AL on July 02, 2008

by private From Clifton Park, NY on July 02, 2008

This mortgage company has been involved with predatory lending, however until now they have not been caught. Now PHH has lawsuits against brokers, like they did not know what they were doing.... It's ok though, I've got all the information I need to bring them down. It's funny how they never have any phone numbers to their legal dept. until you tell the customer service rep that your are not hanging up until you have that number, not the address, but the number. This company is nuts to think that they are going to get away with doing this to people,

by frank hawkins From Monticello, AR on June 30, 2008

PHH staff is very rude and not very helpful at all. We have asked to speak with someone who might could help us but would not allow us to they would hang up. Would not recommend to anyone.

by Anonymous From Clover, SC on June 25, 2008

by Anonymous From Corona, CA on June 22, 2008

by Anonymous From Whitwell, TN on June 06, 2008

My husband and I have been with PHH since 1996, and we really liked the company at first. But, over the last few years, we have really been struggling to make our mortgage payments in a timely manner. I have some health problems and don't get to work as much as I need to, so the decrease in income has really hurt us financially--especially now, with gas and food prices skyrocketing. We have been 2 months behind several times over the last couple of years, and, every time we call to try and pay 1 payment, they refuse to take it until we have the amount for 2 payments. This is ridiculous! It seems that if they were concerned with getting payments--any amount would be accepted, even partial payments. But, unfortunately, they do not work this way. And, it is really sad and really pathetic, that hard working and honest people can lose their homes because of such lousy service. This is a serious thing and needs to be addressed by the government or something. It is so scary to think that we may lose our home (b/c we have NO WHERE else to go), because they refuse to help us. We have tried several times to get our payments reduced for a while until we could get back on our feet, so to speak, and they told us they would help us, but it took months and months for them to get back with us--only to be denied anyway. We would love to refinance our home with some other lender, but our credit rate is so horrible b/c of this company, that we are unable to get refinanced. And, last year my husband's truck tore up on his way to work, and we had to use almost our entire mortgage payment that month so we could repair his truck--b/c he HAD to have transportation back & forth to work--so he called the mortgage center and the lady he spoke to was VERY RUDE to him. He explained what happened and that we would pay the payment within the next 2 weeks and she got really nasty with him and told him that "we should be responsible enough adults to have money saved away for such emergencies--that our mortgage payment was the first and foremost thing we should be worried about paying. And, that we needed to learn how to save money for all the other things we needed or that came up." And, she acted like we were just horrible people b/c we didn't have enough money in our savings to pay our house payment. I really would NOT suggest this company to anyone!! They are not a company that has the consumer's best interest at heart!It's very frustrating ans so sad!

by jason hopper From Rome, GA on June 01, 2008

by Anonymous From California, MD on May 26, 2008

I was given no notice in reference to PHH Mortgage sending my loan case to a forclosure attourney. No phone call and no mail corespondance. They agree to help at first, then say there's nothing they can do. I explained my hardship and promised to do everything in my power, and all they did was refuse any payment less than the past due (two months).

by Anonymous From Milford, CT on May 24, 2008

I have tried to pay my mortgage for 4 weeks and have a problem with their website. I have repeatedly tried to contact PHH -- it is no use. I am a paying mortgage customer -- you would think that they would want to contact me so that I can pay. I question the SECURITY of their website. THE SERVICE IS LOUSY!!!!

by AP From Rutherford, NJ on May 20, 2008

I got a stated Interest only 80/20 loan about three years ago where the Spanish rep and their local advisor made up my income. They pushed me into the interest only loan and told me not to worry. My interest rate has gone up, my taxes have gone up and also my insurance. I no longer can afford my loan but he had said I could refinance into a better loan in a few years. Now they say they can no longer offer me a stated loan. They are crooks and should be fined by the government.

by Anonymous From Westerly, RI on May 16, 2008

DOES NOT WORK WITH A TIMELY MANNER,DOES NOT RETURN PHONE CALLS.TOTALLY ignors time limits and puts blame on consumer

by Anonymous From Tucson, AZ on May 09, 2008

Their communications and correspondence is horendous. Its unbelievable this company is in existance.

by Tony Wilson From New Orleans, LA on May 09, 2008

by anon From Marshall, MI on May 07, 2008

Our home is in foreclosure, and being sold in public auction next week. We have several children and we are very concerned. We have called this company several times to work something out and they will not budge. We have a horrible time getting through on the phone and they keep telling us their "investors" don't want to do it. Can they just force us from our home?

by hurtful From Eureka, MO on May 05, 2008

phh whats your deal?

by Anonymous From Pacific, MO on May 05, 2008

by MARIE K. DEMOSTHENES From Cheyenne, WY on April 28, 2008

-----Original Message----- From: demosthenes1064@aim.com To: LILI.MONTOYA@MORTGAGEFAMILY.COM Cc: Fatherjonathan@foxnews.com Sent: Thu, 17 Apr 2008 4:47 pm Subject: YOU'RE A LIAR AND A THIEF I WANT MY $350 AND MY $1100 BLUEPRINT BACK YOU STOLE MONEY FROM MY VISA AND YOU REFUSE TO RETURN MY BLUEPRINT. YOU'RE A LIAR, YOU AND PHH MORTGAGE IF YOU SAY THAT MY CONTRACT DOESN'T STATE THAT I WILL NOT ACCRUED ANY EXPENSES IF I DON'T GET THE MORTGAGE. AS YOU KNOW THAT I HAVE BEEN TO SEVERAL LENDERS AND CANNOT AFFORD TO PAY A FEE FOR NOTHING. BUT YOU GOT THE CONTRACT. YOU READ THE STIPULATION AND AGREED TO IT AND YOU STOLE MY MONEY. I NEED MY MONEY BACK AND MY BLUEPRINT MD

by Carmen Pyle From Atlanta, TX on April 25, 2008

by Mike From Mount Laurel, NJ on April 01, 2008

In 1/2006 I was placed in a mortgage that I shouldn't have been in. Being a naive home buyer, I let the mortgage rep handle everything. After 10 months into the mortgage we had to file Ch. 13. My credit score was 700 and God only knows what it is now - I'm afraid to look. I had contacted PHH numerous times to see if they could do a forbearance or loan modification. They couldn't. So here it is 4/2008 and we decided to walk away from this upside down mess and stick it right back to PHH.....Thanks for all your help J.O.s!

by Kobie Johnson From Indianapolis, IN on March 20, 2008

by D Boudreau From Bloomington, IN on March 12, 2008

Have had my loans two years and am wondering when I mail my payments why it takes 10+ days for pymt to be applied. I only live 150 miles from payment center and know it does not take 10 days for mail to arrive from IN to IL. Have called numerously they tell me pymt must be lost I send another check and then it's a miracle they find my first check so two pymts get processed in 30 days. I call and complain about their slow processing time of payments and tell me they'll remove the late fees but never have.

by Jason Paulick From Pompano Beach, FL on March 10, 2008

I received an insurance check from Citizens of Florida after a huricanne caused major damage to my home in 2005. The policy is that PHH, my mortgage holder, gets the check and gives it to me when work is being done on my home. It is a catch 22 situation, because I need money for a down payment and PHH would not release money until a third of the work was done!Twoo years later and my house is not done and PHH wont release the money owed to me until their inspector sees that three fourths of it is done! DUH!

by Maria Albus From Beallsville, OH on March 01, 2008

They said they would work with me, but I explained my situation with my medical bills and all, and they still thought I should have money saved up to pay them a large amount right away. The lady I spoke to was not very friendly and even though she was only doing her job, I believe she could have had a little more understanding and compassion.

by Deborah Zucker From Long Beach, NY on February 22, 2008

poor disclosure of penalties and fines. Unwillingness to work with me. Why would someone put in a hardship request if they are able to pay? apparently that is the requirement one must meet in order to qualify for assistance.You can't make this stuff up.

by Anonymous From Brookston, IN on February 16, 2008

I feel that they are very poor on returning calls and trying to get a hold of. They talked to you like you are trash (even when you are in good standing with them) They don't return emails either. And you can't get any info from them at all.

by Anonymous From Saint Louis, MO on February 14, 2008

They act like they really dont care and would love to put my home in foreclosure. I am falling more and more behind while they sleep on my paperwork. They are rude and not very compassionate. They are very shady about what the next steps should be also. (Who to call?) Very inconsistent letters are sent to me also.

by L.A. Hamilton From Stacy, MN on February 07, 2008

I have been trying to work out a solution with PHH Mortgage-loss mitigation- on a default for over FIVE months now. They sit on the requests and don't respond. They are rude on the phone and if you don't have an extension number when you call you end up talking to Bombay, India. I believe their solution is attempted intimidation. (Remember folks you cannot get blood from a turnip) I would NEVER recommend anyone use PHH. If you ever have a problem you will be in for alot of serious frustration with this company.

by felicia springs lanier From Charlotte, NC on January 28, 2008

by Anonymous From North Brunswick, NJ on December 13, 2007

Inconsistent information. They tell you they will send information and then they don't. We call back and they tell us the person who informed us..informed us incorrectly. Now they want to charge us a 1/4% to pay our taxes directly to our municipality. The most annoying thing of all is as the Customer Service rep speaks you can feel her smirking...

by Dave From Haddon Heights, NJ on November 27, 2007

They told me I could drop my PMI after 2 years then said no

by Anonymous From Rutland, VT on September 05, 2007

I am a real estate agent who recently bought a home. PHH made my transaction very smooth. I recommend their service to all prospective buyers!

by Albert Prokapaitis From Altamonte Springs, FL on August 28, 2007

I have dealt with PHH Mortgage several times and have always been pleased with their service and costs. It was very easy, fast and without hassle. I recommend their service to all my friends and family.

by janet reynolds From Westpoint, IN on August 27, 2007

have tried to work with PHH Mortgage Services and have gotten no where we were locked out of our house with out notice of any kind . I finally had to threaten to go to the new media to even get any paper work from the mitigation dept after waiting on it for three weeks and had already gotten papers served form their law firm wanting 5,000 by the 5th of sept.