- Report: #1018161
Report - Rebuttal - Arbitrate
Complaint Review: PHH Mortgage
PHH MortgageInternet, New Jersey United States of America
PHH Mortgage INCOMPETENT OR DELIBERATELY DISHONEST. PROBLEMS WITH ESCROW AND FRAUDULENT REPORTS TO CREDIT BUREAUS Internet, New Jersey
*Consumer Comment: You messed up your credit
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They have also permanently ruined our credit. Our payments are around $600-$650 (who knows with them, it constantly changes even though I specifically told the person handling the loan that I needed a SPECIFIC monthly payment.) We were late with our January payment, 1st time ever to be over 30 days late. I do understand that a 30 day late can be reported, however, they put that we owed $1300 making it appear we are 2 payments behind. When I made the Jan payment its my understanding they are supposed to rectify the report to show that it has been paid. Every time I ask for this to be rectified I get "its on there because you were late." I GET THAT! We were over 30 late ONE time, paid it, and it is still on there that we owe it. (In the amount of $1300 btw)
Ironically, after insisting that they HAD to pay our insurance, they let it lapse. A couple months ago my agent called and asked if we had changed mortgage companies, as they hadn't received payment. I email PHH...no answer. My ins co did mail me a" reinstated" so I guess they took care of it.
And do not believe the "having trouble making payments? we can help!" b.s. I called to see if we could change our payment due date and the answer was "no." (At least I think it was "no"...not sure what country went to)
This report was posted on Ripoff Report on 02/21/2013 03:13 PM and is a permanent record located here: http://www.ripoffreport.com/r/PHH-Mortgage/Internet-New-Jersey-/PHH-Mortgage-INCOMPETENT-OR-DELIBERATELY-DISHONEST-PROBLEMS-WITH-ESCROW-AND-FRAUDULENT-1018161. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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