PHH Mortgage Services

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.