• Report: #540866
Complaint Review:

PHH Mortgage Corporation

  • Submitted: Wed, December 16, 2009
  • Updated: Tue, May 13, 2014

  • Reported By: she — aurora Colorado USA
PHH Mortgage Corporation
1 Mortgage Way Mount Laurel, New Jersey United States of America

PHH Mortgage Corporation MortgageQuestions.com, Cendant Mortgage, Homequity Mortgage Services, Inc., PHH Mortgage Services, Instamortgage.com, Coldwell Banker Mortgage, Mortgagesave.com, Era Mortgage, Century 21 The FBI, FTC & Washington Pay Attention to PHH Mortgage Violating Laws & Stealing Money & Homes for Profit Mount Laurel, New Jersey


*REBUTTAL Owner of company: Fianacial statement approvement

*Consumer Comment: I too am a victim of PHH

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PHH Mortgage is unethical, malicious, and down right criminal in their activities of stealing homes for profit.

PHH with hold funds, at first claiming they didn't get funds and then refusing to post funds or send funds back.

I have a FHA loan, of which FHA is supposed to help with problems with PHH (YEAH RIGHT), FHA gets the run around from this company too. FHA rules are very clear but PHH doesnt follow them.

I missed two payments, not in order. One in May 2009 & one in September 2009. I paid May. I tried to pay September but they sent the money back requesting a higher amount for $3043.45 "as soon as possible" at the end of October 2009. I sent $4151.94. PHH sent back $999.42 of that not the $3152.52. PHH didnt post any of the money I sent. Instead, PHH put my house in foreclosure.

I called PHH and got referred to their attorneys. I filed a BBB complaint, in which PHH admitted to violating FHA regulations about not placing a FHA loan in foreclosure until the owner has missed 3 consecutive payments. I didnt miss those payments. PHH attorney stating, "You should not be in foreclosure...call the company or file an Intent to cure, once you make your December 2009 payment, you should be caught up". I paid that and sent back the money PHH sent back to me via Western Union. Total $5164.61. PHH has not posted anything and still have me in foreclosure status.

I sent a qualified written request to PHH and still no response. PHH is set to sell my home at auction 3/31/2010. HOW? I did everything they asked.

The government really needs to get on the ball especially since this company is dealing with FHA loans first hand. If there is any body out there thats doing a class action. Let me know. I would love to be apart of it. Or if there is a attorney that reads this site. HELP US.

This report was posted on Ripoff Report on 12/16/2009 06:47 PM and is a permanent record located here: http://www.ripoffreport.com/reports/phh-mortgage-corporation/mount-laurel-new-jersey-08054/phh-mortgage-corporation-mortgagequestionscom-cendant-mortgage-homequity-mortgage-servi-540866. 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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#1 Consumer Suggestion


AUTHOR: Dana Shafman at END Consulting - ()

Hello "she" and other customers that have had their rights violated by PHH,

Did you hear about the homeowner that was just awarded $16M from PHH Mortgage yesterday by a Court in Sacramento, CA as a result of loan modification and foreclosure abuses?  If not, here's the link and use it to your advantage as leverage to get what you need from PHH mortgage!  

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Bank of America or Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like PHH, SPS, SLS, GreenTree, Ocwen and Nationstar are simply just scumbags but they can be beat at their own game too just like the big banks can be defeated.  

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of PHH but I commend you for asserting your rights...too often homeowners do not fight for their consumer and constitutional rights!  With that said, I would like to shed some light on just how important it is to take your fight outside of the mortgage lender or servicer to the CFPB and/or other government agencies that will actually hold the lender or mortgage servicer accountable on your behalf by simply submitting a complaint after a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights.  My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.  

We reviewed your complaint on the show if you would like to listen, click here.

Our firm presently has many files that we are working on with mortgage lenders and servicers with many more coming in daily complaining of the same UDAAP and illegal abuses such as yours.  In fact, I have at least half a dozen cases in my office right now that we are working on that also have RESPA and Dodd-Frank (CFPB) violations preventing them from modification and threatening foreclosure; we receive at least 2 or 3 calls per day on this topic.  We are pleased to state that we beat the mortgage lenders and debt collectors at their own game daily by referencing consumer protection laws and employing the help of government agencies that oversee the industry like CFPB, OCC, HUD and the FTC to name a few. 

Any of you please feel free to contact me via email or website as I would be more than happy to contact PHH on your behalf to ensure your rights are not further violated and uncover options moving forward!  

My firm, END Consulting, is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation.  We have successfully assisted over a hundred clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions.  The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for you or anyone reading this as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END






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#2 REBUTTAL Owner of company

Fianacial statement approvement

AUTHOR: Ripoff13 - ()

This Phh Mortgage Company has been ripped me off my housing mortage in 2012 -2013 for monthly payment of 2 month ( in the amount of $7,707.35 )

I have monthly payments from my Bank of American to pove it that I always paid on time and never miss out any payments

I found this out when  i closed the Loan with NJ Housing and Mortage Finace Agencey on 6/6/2013 who financial helped my payment for 1 year.

In June 2014 I have to regain my finalcial mortgage with this Phh Mortgage Company I feel that this copmany should be investigage throughly

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#3 Consumer Comment

I too am a victim of PHH

AUTHOR: Scammed - (U.S.A.)

I too am a victim of PHH. I truly hope your home gets saved. My story is the most recent post. My sale date is in March as well.
PHH acted like they would help us, and at the last minute, they are choosing to sell our home. They were very misleading. I just want to tell you to have your attorney contact me if you are suing them. They seem to be in the business of stealing people's dreams. I am all for bringing them down. If I am contacted by an attorney, I will refer them to you as well. Good luck! I will be praying for justice.

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