Onity Mortgage Reviews

4. I then spend $25.00 to send them through UPS tracked and verified they are delivered for them to them say they need 3-5 days to process and they will let me know if they need anything else, I then call them after not hearing anything to be told that the "FINAL" piece of information they needed was a letter from me address why we defaulted to be printed, signed, and emailed to them. Which was completed and sent in. To which again I was told I would receive a call if they needed anything else. 5. I receive a call from them AFTER the fact that they again denied the mortgage assistance claiming they were missing another letter they were wanting. THE ONLY ISSUE IS THEY NEVER NOTIFIED ME THERE WAS ANOTHER LETTER NEEDED. They denied the application the same day the document was due which was 11/04/25 and the SAME day they stated it was needed.

When I attempted to send it in, they stated I had to REAPPLY for the mortgage assistance again. On the same call I was told this could not be done on the phone but online. 6. I log into the portal today to start this process AGAIN only to not be able to do it online which results in me calling them for 40 minutes again to get the process started to just set up a payment plan with them. To which I am told they can't do it over the phone, and since I can't do it online, a manager will need to call me back.

Now mind you, they have said a manager will call be back since August and it has never happened. I am stuck because I can't get the application processed, they mess with you, I can't even make a payment unless it's through certified funds and the entire past due amount, and I can't get anyone to help me. My husband is a 100% permanently disabled vet, and he has had health issues the last year which has resulted in loss of income and incurred unforeseen costs and we are fighting to do the right thing and can't get any help whatsoever. I have never experienced anything like this in a mortgage company.

PHH Mortgage is now reporting on my credit reports (all 3) which I filed disputes as they are NOT a valid creditor, and I need to make sure they have not inappropriately filed a lien on our home. They do not even check facts before doing all this. Even some of the information they say they have does not match my records nor that of the prior servicer. Also, they indicated they did not take over servicing until 10/1 yet then they talk about records they have for receiving payments that are not correct from amount and timing (plus they originally said payments prior to 10/1 stay with the old servicer). My prior servicer representative, who also spoke with her manager as she looked into this said to be very careful with regards to calls from them given my mortgage was not sold. Now seeing other things about PHH on the web I am highly concerned I have to deal with something I should not have to spend a moment of my time with.

Finally received agreement a refund check would be sent. The check will be $1,707?? Told PHH supervisor it is too high, it should be $919 and some cents. No, servicing has calculated it and it's correct. Again said it's too high. They sent 1,707. A week later I get an escrow statement and see they dropped my homeowners insurance from escrow. Customer service is terrible. The experience of the processor, supervisor and servicing people are truly questionable. I built and managed 17 residential mortgage wholesale centers - the loan should have closed in 15 days without the numerous errors. Worst experience - wouldn’t recommend them at all, at least not this center. Southern California.

I WILL NOT EVER RECOMMEND THEM! Customer service rep said we are approved. Manager said that it is still pending. We expedited it, which got ignored and it still took 3 weeks to get back to us only to say we are not approved. THEY OFFER NO FINANCIAL ASSISTANCE if you are in financial crisis! They didn't even provide a reason why they declined us.

This failure has created unnecessary risk of lapse in coverage on my property, and your staff has: Provided fraudulent or misleading information on at least two occasions. Failed to communicate any documentation needs directly to me. Refused to escalate my case to a supervisor or manager despite repeated requests. Created additional barriers with poor service and lack of clear communication.

For the first two months, my payments were successfully auto-debited, and everything seemed fine. However, three months later, I received a default foreclosure letter from PHH Mortgage, without any prior indication of an association with Sierra Pacific. My auto debit had been turned off, and I didn’t receive any emails, calls, or notifications about this change. There was also no warning regarding the $900 in late fees I incurred. It wasn't until they reported late payments to my credit report that I began to put the pieces together.

They are using every loophole to confuse and not notify customers who are being foreclosed upon before they notice what is going on. They have refused to remove the credit default payments and waive my fees after an hour on the phone, arguing that this is my fault because I should be monitoring my payments monthly out of my bank account, Romeo 9X2.

Original: This is the worst company. They falsely reported our payments to the credit bureau as being late-they weren't; then proceeded with foreclosure actions. The judge dismissed the case before it ever went to a hearing and FIVE years later we are still trying to settle this matter. Repeated attempts to escalate and speak to a manager are ignored. Promised callbacks from "Relationship Managers" NEVER happen. We have tried to settle the account in good faith and NO ONE will acknowledge or respond. Read the reviews and avoid this company at all costs.

Original: What can I say good about PHH Mortgage? Absolutely nothing. Before my brother's passing he had a loan with them that they never discussed until just recently. After 4 years this loan laid dead. No one from PHH Mortgage mentioned this loan so my brother before he passed thought they closed it out and enrolled it into the bigger loan. Well again my brother passed in May of 2022. 3 years later in June of 2025 we get a foreclosure letter on the door about this small loan after 3 and half years of PHH never speaking about it. They broke several federal law and state laws by not saying anything about this for 3 years. Well back in Feb we did a hardship on the big loan, went through it, paid what they wanted us to.

Well in May they screw up a modification and sent it to us but it was wrong. It was supposed to come in the estate of my brother's name. They failed to do it. They wanted a deceased person to sign a contract. That can't happen so that would void that modification then they turned around and wanted family to legit forge a signature of a deceased person which again is against a state and federal law to forge a signature so all the way around even with several copies of death certificate in their possession they knew either way the contract would be void. Well the escalation manager named Monica was supposed to send us the right modification contract. She never did. Even have recordings of her saying she would fix the modification to the correct name on it.

Never happened so now we're facing foreclosure on a family heirloom home that's been in the family since 1958. Cause of their mistake and have proof to show it. Over 3 months' time I have over 200 names we have spoke to over 50 escalation managers name, over 5.000 recordings of things that were said and never done correctly. Well today 7-31-2025 we had a lady come on to our property that is deemed private property. No trespassing. She walked all over the property taking pictures. When asked who she was she said she was with PHH Mortgage. She was asked for a business card or business ID who she was. She said she didn't have to show one. Mind you my grandson and kids were outside when she was told she was trespassing.

She cursed in front of my grandson and other kids. She continued to take pictures with kids in the pictures of the house. The kids are under 18 years of age mind you so PHH Mortgage has once again broken a federal law of their worker not showing proper ID and taking pictures with minors involved. Made a police report. I had the make and model of the car. They made the report. They let me know that if anything was to happen to the kids or grandchild this person would be the first person of interest. PHH Mortgage was advised of the situation but they had absolutely nothing to say. Sad mortgage company and people they hire to come out to have pictures of minors.

I don't know what kind of person this may be or even know if she was telling the truth. She works for PHH. No ID was showed and it's a state and federal law. When asked for ID on to show your identity to whom you work for it must be shown. So not only do you have a mortgage company that says one thing and does another you have employees that's coming up on your property when it's private, taking pictures again with children in the pictures with again no ID showing who the person was. Now I fear for the safety of the children and grandchild. A little side note. The accounts were taken out in 2004 for 96.000 dollars for 21 years. They're trying to say we only paid 3.000 dollars on the loan. They are foreclosing for 93.000 but according to the records downtown we only owe 52.000.

Gee someone can't do math. Then they're trying to say we are 9.000 dollars behind from June 1st to now with payments of 943.00. That's only 2.829 dollars. It would not be behind at all if the modification agreement would have been done like promise on a recording, done right and not deceased people having to sign paperwork or having family breaking a law of forgery. Here is the real kicker for you all. They knew the person was deceased. They have numerous of death certificates copies but still hesitated to send a modification in his name for him to sign or his signature to be sign by via forgery.

PHH you're a joke. I hope a federal and criminal lawyer sees this review and reaches out to this family. People that are getting screwed by this company ought to come together and file federal and criminal lawsuit against them. Has anyone noticed how their company name has changed 3 times because of lawsuits brung against them. And another thing the foreclosure letter from the lawyer they hire has a different mortgage name and that mortgage company went out of business a long time ago and they even have a address for this mortgage company but according to Google Maps that address turns out to be an electrical heating and cooling building. Go figure.

They could care less of this stupid and careless mistake they made, which would take less time to fix than this they have me going through. Currently, they also have me in foreclosure through this entire process and today, as I’m making my first payment under this ridiculous new modification, the foreclosure is still active. So that means I’m in modification and foreclosure at the same time, since March 31, now 90 days. The police are still showing up at my door to serve me. Just a pure crap show all around. They should be ashamed and out of business, I know I’m not the only one experiencing being a victims to their practices.

Outsourcing to countries like India is common, but the irony is “Teleperformance” allow employees work from home, should they choose to, employees can take photos, write down customers sensitive information, can print customers complete information (if an agent print the data, that can be monitored by company remotely).

Customers would disconnect the call if an employee ask the SSN for verification (by the way, asking customer for their complete social security is not against PHH policy). Little does that customer know, the same agent whom they converse with, is working from home in a rural village in India, without any kind of supervision and should the agent choose to, they can take a print of all these information and a peanut vendor in India would be selling peanuts in these printouts which has customers complete information.

Outsourcing is common, 90% of American companies has contact centre in Bangalore, India and customer data is 99% safe with these companies. But the problem is when a company allow employees to work from home, coz they cannot afford an office space, there is no security for customers personal information including their banking details.

Do an investigation with company named Teleperformance which is located in Bangalore India, they do not provide proper process training to their employees, if you have any doubt, just call PHH customer service number and if it lands in Bangalore, ask the agent a simple question, where the escrow shortage came from, give me the breakdown. All they know is reading a script. And PHH is doing this is for what cost? Customer will get 10% accurate resolution and 99% chances of data breach.

Teleperformance is looting PHH like anything. Teleperformance is deceptive managed by bunch of imbeciles. And I’m sure that PHH won’t associate with Teleperformance, had they know, Teleperformance employees are working from home with no clue how mortgage industry works and cherry on top they can misuse customers details.

If any of the customers who are suspicious and worried about their personal data (which again 99% customers are) comes to know about all these things, I can only imagine how they gonna sue PHH. Highlight this to PHH authorities, do an Investigation, stop outsourcing to “Teleperformance” Bangalore, India before it is too late.

I get told in March they'll have it paid by April 15th. April 15th comes and the taxes are yet again not paid. So I pay them. I call PHH and find out what happened and this next agent said they don't have the bill. The agent gives me his personal fax number to his desk I guess. He confirmed he got every single page and even confirmed he got the receipt I fax over and even read off things off the paperwork I sent that I didn't even tell him. He said he'll forward it to the tax department and it'll be a few days but they'll issue the refund once they review it all. This agent is the one who tells me they need some document also because it explains why the taxes didn't get paid. Something must have changed but he couldn't explain what.

He said they need some document called "Updated Legal County Tax Parcel" but yet the sheriff's office, clerks office, and pva office has never heard of this document. I call back and get another agent and then get told I'm not getting a refund and that is not the name of the document. This next agent says I need some legal description of the property that has a parcel and/or lot #.

The fact is, this document was needed 2 years ago, which prevented the first taxes to be paid. No one told me this back then 2 years ago. Had I known, I wouldn't have had to pay the taxes 2 years in a row. I just find out the past few days that this document is needed for you to pay the rest of the taxes. I should not have had to pay the taxes this year and I am still requesting my refund and now I'm getting told I'm not getting one when the last agent said I would.

No one knows what they're doing over there and if I could, I'd sell this house with the bare minimum needed to get out of this mortgage and never in a million years deal with this mortgage company again. Oh and the agents involved have ID's BSP who told me I would be getting one. On the 2nd call, ID P35 called on 4.29.25 and told me I'm not. Then the 3rd call the ID BSP, who told me I would get a refund is now telling me I won't get one. False promises and lies and you get agents who are either poorly trained or just don't know how to to deal with customers.

Is there anything we can do so we can re modification on our home? We have equity in the home. My husband is back to work but 5300.00 is impossible but 2500.00 for just mortgage we can afford. We just wanted them to put back money owed on back of loan. Not asking for money. We are senior citizen. My husband is 73. I am 71 but could afford mortgage with our ssi check and my husband working part time. We need help please. I WILL CALL NEWS STATION ABOUT THIS. WE want to keep our home. Please help.