Complaint Review: PHH Mortgage
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
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/reports/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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
If you would like to see more Rip-off Reports on this company/individual, search here: