PHH Mortgage

Your response to our survey: The Rep was extremely friendly, helpful, professional and very caring. I've been affected by the C-19 virus and the rep was very compassionate and answered all my questions. The Rep was EXCELLENT!!!!

Updated on 05/12/2020: This company is the worst at documenting any paperwork that is sent in. I have been trying to remove my taxes from escrow since January. I asked for a resolution to this and other issues. I was told that I could not end my escrow because I missed payments. With PHH help we combed through 6 years of payment history and found no missing payments. This was a bit excessive. I ended billing of insurance and taxes through my escrow account. Notified PHH and they continue to bill for it. One letter shows escrow balance of 812.19. Another shows a -663.** for the same month. Even though, I spoke with customer service at PHH they are tone deaf and ignore paperwork. This is not a nice or fair game that they are playing especially during such hard times people need a company that will not have shady financial practices. It seems some on this site are getting real help while I am excuses. I feel blackballed!

I lost income due to the "stay at home" orders and reached out to PHH for assistance via their website. I received a response via mail which deferred my payments for 3 months and then the entire amount deferred will be due on July 1st. So my July 1st bill will be just shy of $13K?!? I'm not sure how that helps anyone suffering from a temporary loss of income?

My husband and I have been trying to modify our mortgage since September 2019. We have submitted the necessary papers SEVEN times. Not only have they claimed our package was incomplete each time (even though we confirm the contents are all there before we send the package) but they don’t notify us that it is incomplete. Of the seven submissions, they only advised us twice that they cannot process the modification due to missing information. Those two notifications claimed that they tried to repeatedly contact us which is an outright lie. I do not want to lose my home because my mortgage company is disreputable. Is there any type of recourse that I could take to resolve this problem?

I have been trying to get a hold of my account rep for several weeks. I sent emails and sat on hold for the longest time trying to get thru to someone. No return on email or phone call. It is hard to work with a company that won't return emails or phone calls. Never had this problem when the loan was with Ocwen.

The website is the WORST. I've had to sit on the phone with multiple people for 30 minutes, only for them to tell me to call someone else. Literally all I want is to be able to pay my mortgage, and there is NO OPTION on the website. Get your ** together and fix your website! Please please please transfer my mortgage to someone else because you are literal garbage. I have worked with 4 different lending companies and you are the absolute worst! I shouldn't have to call to freaking pay my bill!

My last payment was received on 4/6/20 $520.24 per PHH website and called five times so far to ensure the loan is properly recorded with a lien release. Authorized to use the escrow funds $460.06 for the remaining per diem to make sure lien release is recorded but still no results as of 4/23/20. Total payoff is $623.41 until the 23rd. I still do not understand why it is taking so long when the funds in the account have been available since 4/6. Any suggestions? Day is almost over and phh website shows my April payment is late....

Our home was severely damaged in Hurricane Michael. It has been an unending battle with PHH over the last year and a half to release funds to pay for the repairs. We are starting to get calls to collect debts because PHH keeps denying our request for funds to be released to pay contractors. We can’t move forward without money to hire/purchase what we still need for repairs. Our house was declared unlivable with the damages. The difficulties dealing with PHH have delayed progress and prevented our return to our house by months.

The rep I spoke to was very informative, polite and answered all my questions. PHH has served my loan for over 6 years and have been impressed with the quality of service. I would highly recommend this organization.

My mortgage loan was purchased by PHH, received notice in the mail regarding this on April 21st when mortgage was due on the April 1st. Go to set up online account and find out they charge $7.50 for me to pay my loan on-line from my checking account. I go to set up auto-pay and the first auto-pay won't be till JUNE 1st! Call customer service, of course India call center, terrible VOIP connection. Makes it sound like he is doing me a favor by waiving the ridiculous $7.50 fee and some other $17 fee. I either have to send in a check or call them again on May 1st and maybe they will waive all these absurd fees.

I contacted PHH Mortgage Services today to discuss my situation with reference to Covid19 loan assistance options. I was connected immediately to a representative. The representative was very helpful, spoke English better than I did and provided me with assistance. PHH Mortgage Services had already placed my account in a plan which he said would relieve me of my payments for at least the next 3 months. After the 3 months period he told me they would contact to discuss any further needed options. I am very pleased with the way PHH handled my issues. If your loan is with PHH you should complete the online form to report your difficulty (which only takes one minute) and they will stay in touch with you. The link to the online form to report your difficulties: **

I can say this company has no accountability for my concerns; for instance follow up with their customers and take ownership of issue. The end of the day, the customer gets the short end of the deal. It like big brother has all the power and you cannot do anything. There must be a light end of the tunnel, only if the people behind (PHH) the curtain will someday experience the same situation will understand how badly their services is.

I have been attempting to apply for mortgage assistance for more than 2 months, via phone and email. Each time we are supposed to have our "scheduled" call, nobody calls. WE NEED HELP! We have sent pay stubs, receipts, letters, statements, and more, and NOTHING. Maybe they will actually respond to us on this platform if we give a negative review. Seems this may be the only avenue for resolving issues.

Belinda...This woman was incredibly customer service oriented, smart, ready to deal with my issues in a sensitive way and yet requesting the information she needed to do her job. I'd like to book her in to call me all the time.. In fact, if she needs another job have her call me but she'd work from home!

Appreciation. Always have an excellent experience with PHH associates and management. Extremely helpful and supportive. Highly recommended and a refreshing change based on past experiences with other lenders.

PHH is a great company. Please consider reevaluating your escrow each year, such that, if you pay your escrow shortage, your monthly payment should not increase. PHH is the first company I have had that increases your overall monthly mortgage payment even when you pay the requested shortage.

After speaking with 5 different people we were still left without a reasonable explanation. In addition, you will be connected to someone in the Philippines who knows absolutely nothing about mortgages, and chances are that if you request a transfer back to the US, you will be mysteriously disconnected.

This is a wonderful Company to work with. They are always so caring, courteous and helpful with all my needs. Love working with them. I would recommend them to everyone. I wish more companies trained their staff as they do.

They bought my mortgage and did nothing else. Charged me for hazard insurance I already had then once I proved I had it, they charged me again for 4 months of no coverage. How can I not be covered for 4 months? I had a 12 month policy? I had to resubmit what I already submitted to prove I had hazard insurance again. They send out notices telling you to verify your hazard insurance but don't tell you how to submit it!!! They make you call them and speak with someone who has no idea what you are talking about and offers zero support. I am currently refinancing and I have asked not to have them as my mortgage provider. They are hacks and try to confuse you into giving them money that is not theirs.

My job was furloughed due to COVID-19, so I called about their Forbearance plan and was lead to believe there would be no payments, late fees or negative credit reports during this time, and they would contact me 30 days prior to the 90 days to assess my situation, and would work with me based on my current situation - whether that be additional time, repayment plan, loan modification - depending on my needs at the time. However, after reading some of these comments, I am now very skeptical and wonder if I have done the right thing. I find it ludicrous that anyone would expect someone to be able to pay back all 3 months at once - how much sense does that make? I specifically asked that question, and was told that is not what would happen, they would work with me until I was able to get caught back up and my situation improved. No mention of any fees, as a matter of fact she said there would be none.

Employee was able to assist me with my questions. I was looking at using the Covid 19 deferment program when I went to pay my Mortgage as my circumstances changed. The site had me call the Mortgage questions. A Rep assisted me with making multiple monthly payments to July 2020 and is working to remove the requested deferment off my account.

The customer service rep, Sanjay", was so helpful and knowledgeable. He also had a very calming and reassuring way about him. Much needed and appreciated in times like these. Not to mention his patience as I bet I asked some of the same questions over and over again.

I have been with PHH Mortgage since Ocwen was transferred to them. It has been nothing but terrible service since they did a audit on the account and said I paid way too much for taxes in my escrow account. They sent me a check. I called them and said, "This is not correct. I know what my taxes are in my area. I need To send this money back," The customer service guy said, "No you are good. If you want to be current just send a certain amount of money" which I did. It has been an ongoing issue with my escrow account for months. They were taking my escrow account money and putting it towards the principal of my mortgage. I’ve had made multiple numerous phone calls so finally today I asked to speak with someone in the escrow department.

Haider represented PHH very well. Teleworking from home can be somewhat inconvenient. I applaud Haider for being able to adapt in this "new normal". He helped me to better understand how I would repay the deferred payments at the end of the three-month plan. He assured me that if I'm not in the position to pay it PHH will contact me before the end draws near to see where I stand and will continue to work with me. This removed a heavy burden on my heart because I don't know what the outcome of this COVID-19 situation will be in my circumstances.

Unbelievable. My mortgage was just sold to PHH Mortgage. They charge $7.50 to make an online payment. How disgusting! I have NEVER had to pay a fee to make a payment online with any mortgage that I've ever had. You need to remove this fee and stop ripping people off. You won't get this from me. This is pure greed.

We requested help with our mortgage... to possibly move a few payments to the end of the loan due to the fact of one of us not able work and the others hours were drastically cut. They send me a letter stating payments could wait until July 2020 but full amount of $6600 would be due then. Well if I’m not working how in the hell could I catch up the FULL payments? I like the way you are really stepping up to help during this national disaster. I’m sending your stupid smart ** response/letter to Trump and let him see how you are jumping in to help. Or I guess I can just tell my kids they don’t eat for the next 3 months.. you are a TOTAL JOKE.

I have been trying to make an online payment and the website say I can not make a payment at this time. I call on the phone and the automated Western Union says wrong account number. I try to call customer service and the automated phone messages refers you back to online! Now I’m probably going to have a late charge or worse late on my credit! Very poor customer service!

Questions Was extremely helpful and polite in regard to any thing I asked about and was the BEST one I have ever spoken to with any company EVER. She had any and all answers that I had in regards to my account. Thanks. Paul

The people who took time to answer my call were very professional, polite and answered my call so I understood completely. It's nice to be able to deal with a company that will help you! I thank you so much!

With the Chinese virus pandemic happening, I was let go from work. I called PHH for a forbearance plan. The plan they gave me was a Temporary Hardship Forbearance Plan for 3 months. After those 3 months I then owe for those 3 months and the current month. So they want 4 month's worth of payments after 90 days. If not paid all at once they then report the account as late. How does this help me? If I don't have the money now, how tf do you think I will have it in 90 days? Great plan.

I have applied for the forbearance (since I lost my job due to COVID-19) via email and through their website but it's been over 10 days and I haven't heard anything about my request. I tried calling several times and at first they have a recording that there are no customer service people available... Several days went by and I finally got through to a customer service but said she could not transfer me to anybody in the forbearance department and those guys are not accepting calls at the moment. Hopefully I can talk to somebody soon.

Due to the pandemic my hours were cut. I am currently on a repayment program and didn't want to do anything to jeopardize that, so I asked if I could make 2 installments for this month. Not only were you able to do that, you were able to do that for the duration of the repayment plan which until July. This was such a relief! Not only will this help me financially but it will enable me to stay current on my mortgage through this hard time.

I'm currently locked out of my account because I typed in the wrong password and I have to call PHH to reopen. Problem is, they're no longer taking calls due to COVID so I'm completely locked out. Not sure what to do about this and don't have any way to get in touch with them. Did they do any planning before locking down due to COVID? Makes me wonder where else this company is suffering from a lack of planning/foresight. Also please help me unlock my account!!

The covid-19 forbearance plan gives no relief. PHH claims it can provide relief for 3 months. This is not true. ALL 3 months will be due on the 4th month (which you will accrue interest the whole time), you can make a payment plan to pay the 3 months back, or you can go through a loan modification. Most companies say they will defer 3 months by extending your morgage by 3 months. I was really hoping for some real relief because I am quarantined at home and receiving less than half of my pay for at least the next 2 months.

I am currently blocked from seeing all my mortgage account info on the PHH site. I was unable to pay on the site because the site will not allow me to- I called and I when asked for my loan number and to make a payment, the phone says that due to the status they aren't able to satisfy my request- then the phone hangs up. Now today, there's a new status giving me even less access to my account, and I rec'd a letter from an attorney's office regarding my account. If I am not able to get on the site to pay, can't get anyone on the phone-was forced to mail in my payments what is my solution. Block me from paying and foreclose on my property? I'm trying to make my payments!

I had called twice for info into line of credit draw. Both reps gave me conflicting info. After waiting 2 weeks and nothing received, I placed another call to CS... Found out my request was denied because I had faxed in request forms in wrong order.....even though I followed what CS had told me to do. I asked CS why wasn't I informed of this and the reply was "that is not what we do... You have to call us".... Now I have to start the whole process again...

In the beginning I thought they were a good servicing company until I applied for mortgage assistance (loan modification) in 2019, PHH customer service gave me a bunch of running around due to untimely, inadequate paperwork prolonging and delaying my process. Once getting through with the process and was placed on a 3 month trial modification, only after paying 2 months of mortgage on the trial period only to hear I was denied due to customer service saying they needed my signature returned on paperwork via mail which I never received. I would never refer nobody to them until my situation gets resolved due to the way they conduct business.

Refinance my home with better interest. I love my home But with a virus 19 I have some struggle and try to save Some money with a better deal. Sure They refinance for me. It’s going to be big help. Thank you very much for the help.

I had a very pleasant and comforting experience with the gentleman I spoke to on my last phone call to PHH on Thursday, April 2, 2020. My circumstances were considered and I was given personal attention.

My mortgage was transferred from PrimeLending to PHH. I have not received a bill from PHH and the customer service line states "unusually long" wait times, then advises me to call back later. The message defaults to saying they are a debt collection company and are attempting to collect a debt. I've never been late on a mortgage payment in my life. In fact - I've paid extra towards the principal every month since I took out the loan! Unfortunately, I have to be sent a bill to make this month's payment as I have not been given any account information!

Contacted PHH once we found out we were being furloughed due to the Coronavirus. PHH offered the 3 month forbearance plan and stated "paperwork would be mailed." We received the paperwork today and they want me to the 3 months plus that month? Where would I get that money if we are not working??? Someone has to figure out a better plan. This is a pandemic situation not a choice!

I have been working on a loan modification application since DEC. 2019, it's now APRIL 2020! After many many calls and emails, I am still waiting a decision. I get letters piling up in my mailbox but can never get anyone on the phone until you are 1 hour waiting on hold - then when you get hold of someone they say they will transfer you to another dept. and it takes you back to beginning of on hold circular system and then hangs up on you. When I call back, it says due to unforeseen circumstances cannot connect you to ANYBODY now, after they just hung up on you. This was my experience again today. Seems intentional. Congratulations on your 1.5 star rating. When you are having issues with mortgage and have to get in touch with lender, you don't want to spend weeks trying to get a human being - TERRIBLE phone system, TERRIBLE customer service (none). The worst...

This has to be the WORST customer service companies out there!! I have been trying to find out why they are taking my payments and putting them towards escrow without my knowledge!! I have been making payments online up till March 10th 2020, Went back in to make another payment at the end of March for April and it says I cant make a payment cause I'm behind in payments since December of 2019. 2 weeks earlier it said I was current and cant make a payment cause I'm behind in payments.

All my experiences with PHH Mortgage have been very pleasant. Some months ago, I was assisted by an agent who helped me with such patience, helpfulness and consideration. Yesterday, I also spoke with a knowledgeable agent. She was very professional and courteous. Thank you! Keep up the good customer service.

Updated on 7/27/2020: I've been trying to finish up this modification for months now which was supposed to be over about 3 months ago.. Was unable to reach anyone but still kept sending my payments. Finally got in touch with a new relationship manager and everything seemed fine but still haven't received documents for my acceptance to new modification so I kept paying my payments.. I finally got my paperwork Months after they were supposed to be here and mailed them off the very next day. I still tried to reach out to talk to someone, anyone! But had been unsuccessful even though I was just calling to make sure I was still doing everything on my end.

I've been with the company since they bought it from Ocwen. Now that I'm ATTEMPTING to pay it off they have a hold on my cashier's check as well as removed my name from the loan and only have to the estate of due to my husband passing. Stating I have to get legal for stating I over his estate when I don't understand why my name was removed in the first place. Now my mortgage is almost 90 days late and they're holding my 53,000 payment. At 80 years old I don't have the strength for this.

Weeks of trying to pay MTG unsuccessfully. I have been trying to get in touching with PHH for 16 days now. I keep getting a message saying "Due to unforseen circumstances we are unable to take your call at this time. The one time I did get through I stayed on hold for 69 mins before it sounded like it was transferring to a person and hung up. I cannot get on to their website because I currently am in a modification that I'm not satisfied with that. They messed up. What do I do? I need help.

Due to the current crisis I called PHH for a forbearance plan. The plan they gave me was 3 months. On the 4th month they expect all 4 payments at once and will be reporting the account delinquent during that time frame. WHAT KIND OF HELP IS THAT. I get a 30, 60, 90 day late on my credit report and have to pay 4 months mortgage at once. THANKS FOR NO HELP DURING A NATIONAL CRISIS.

I called to get help with my upcoming payments. I work doing Uber and with the Corona-19 virus restrictions that are taking place, I am unable to make any money now. The man assisting me was very polite and helpful. He was able to assist me and give me some breathing room till this corona virus is over and things get back to normal. I do appreciate his help.

Updated on 06/15/2020: This “no response” is a continuing problem. Cannot get a hold of anybody and do not responded to emails or voicemail. Extremely frustrating! I have been told one thing and then the Opposite happens.

I have been trying to review my bills and consolidate payments, and PHH's website has been down for almost a week. I am unable to check my balance or loan details currently. Nobody is answering their phone, and customer service emails generate zero human responses.

My mortgage was recently transferred from WesBanco to PHH. I continue to have problems with PHH crediting the last payment I made to Wesbanco to my account. I spoke to a PHH representative several weeks ago who assured me this would be fixed shortly but the PHH online portal still shows me delinquent on my account. As of today, the PHH service line is no longer taking calls due to COVID and the their customer service email is kicked back due to an "unable to deliver". Wesbanco confirmed to me today that the last payment I made was already sent to PHH.

My business has been closed down due to Covid19. I heard that multiple banks and lenders are reverting mortgage payments to help their customers. I called PHH for desperate help & was told I can divert the next three months of payments. I was so impressed until they told me it would all be due back the fourth month! I informed them that if I’m not earning how would one be able to make that payment. This plan helps nobody, we need help and would hope a company like PHH would step up and help their customers. This is unethical & provide zero relief for their customers. Please step up like the other banks and support your hard-working customers.

Just like many of you, my husband and I have been impacted by the COVID-19 pandemic and lost a significant portion of our income. We called PHH to inquire about a forbearance plan. As many other reviewers have mentioned, PHH is offering borrowers to "skip" three months of payments that need to be paid back at the end of the three months, in addition to that month's normal payment! Yes, that is 4 months of payments due at once!!

Help in response to COVID-19. Jhaz went "above and beyond" in patiently talking me through all the steps necessary to get my online account securely set up and operational. She then patiently talked me through the procedures necessary to put my mortgage payments on hold for three months, explained the terms of the agreement and that we will review my situation in three months, and helped me through a couple of spots that I would not have been able to get through without her. MARAMING SALAMAT PO!

The employee was very patient, understanding, and compassionate as I expressed my dilemma and concerns regarding my account. He confirmed purpose of my call and presented was to resolve my issues. He was kind, accurate and efficient.

Mortgage company. Phh is a phenomenal company that really cares about their clients. Their representatives are attentive, knowledgeable, and provide help to solve their clients problems. Highly recommend.

Updated on Trying to follow up again from my call yesterday to see what’s the status up my situation. Number given to me states “due to unforeseen technical difficulties I can’t be connected.” Called the main number and apparently they can’t connect to a live rep either. Standing by for an update.

My family, like so many others have shared the same experience during COVID-19. Once again PPH (Ocwen) is punishing Personal Homeowners with unreasonable products and bad outsourcing. One operator said -"is really that bad in US" for loss of work? Srsly, the deferment is a set up for failure. The rep stated MANY have complained that deferring for 3 months and then asking for a LUMP sum is unreasonable. This is a punishing policy for a global pandemic. Here is what MANY would like to see a successful product.

I'm not please with PHH mortgage and have not been since being transferred. This makes it worse because I never asked to be serviced by PHH. The website is inefficient because you can't even use it from a mobile browser and in this time when mobile phones are being used for these things it's very disheartening and frustrating not be be align with the rest of the companies I use. I've not been able to log in to my account for about 6 months due to the fact for some reason it's showing as if I don't have an account. Even when I called customer service they tell me to re-register because they don't see an online profile. Being the patient person I am I try doing too and it just tells me I already have an existing account. Then when I try and do forgot password, it sends me a link, but when I click the link it takes me to a blank page.

PHH became our mortgage company in January 2019. They sent us ACH withdrawal papers, which we signed and returned, then they immediately failed to withdraw our payments, then blamed us for it. After I began sending payments through registered mail, THEY gave us the wrong account number to put on our payments, and they "lost" over $10,000 in payments for 4 month.

I called PHH mortgage to defer my mortgage payment due to my wife and I being out of work because of coronavirus. The plan they offered was allowing me to miss my next 3 months of payments without penalty, but the 4th month, being July, I would owe all 3 months along with my July payment. How am I supposed to pay 4 months of mortgage payments at once when there is no income? What kind of relief plan is this?

My loan was transferred to PHH in Jan. The customer service has been consistently poor. They must have India reps trying to handle things. I can't even reach this company now by telephone and get diverted to a wrong telephone number through their call tree and that company that answers says they are "Elite Investigations" nothing to do with PHH Co.! I'm very concerned now due to Ocwen (the one that sold to PHH) has legal issues and now I heard PHH has financial issues and may sell to NewRez, another disaster of a company! What is going on here??? I want to get a refinance with another company now, but the rates just jumped up too high. I'm feeling a bit powerless here and wondering what's to come now since I can't trust let alone REACH PHH representatives! HELP!!

After years of dealing with call centers in India who gave us misleading or false information that lead to horrible mistakes in our credit report, we finally got to an ON-SHORE ESCALATION MANAGER named Daphne #** who assured us she could help. We sent her a fax with all the information she requested on March 11th, and we have followed up repeatedly, but she will not call us back. Daphne, Vikas, Manish, and Nikki ** have all said they would help, but none of them have been empowered to do anything, much less call us back.

I called PHH on behalf of my mother. She is over 65 and still works hard every day, paying her mortgage and expenses on her own. Unfortunately as a result of Covid 19 she’s been forced to stay home, without any income. I called PHH for a mortgage deferment of some sort. They offered nonpayment of mortgage for 4 months, but at the end of the 4 months she has to pay the entirety of the 4 month balance! This is ridiculous! If she’s out of work, how could she come up with that amount of money. Every other mortgage company right now is allowing their customers a 3-4 month deferment, and the length of the loan is just spread out longer. PHH needs to get with the program!

Hello, Today March 19, 2020 I reached out to PHH Mortgage requesting deference of my mortgage payment for a least 3 months because of the work situation related to coronavirus situation in the country. Actually the problem is global, PHH told me that I can stop making payments for 3 months but in July I will have to make 4 payments together, What kind of help is that??? This is terrible. How can you make 4 payments if you are trying to get back in your feet, I will like to find out what department in the government I can report this mortgage company, they should learn from BOA and all the other bank that are really helping people in this difficult situation we are all living. Very sad how PHH is addressing this. I will report this.

I made an attempt to have a forbearance om my loan because I am out of work during the Corona Virus outbreak. I have never missed a payment in 15 years. I asked to push back the payment just one month and they said they have a plan in process to push back 3 months. Nice! UNFORTUNATELY their plan is bogus. Instead of adding the payments at the end of the loan they want the 3 months mortgage payments ALL when the time is up. So come July 1st they want April, May, AND June's payment WITH July. They expect us to make 4 mortgage payments at ONCE. Since the buyout of Ocwen this company is a complete joke.

First off, they are saying I owe late fees for the last 6 months. But when I have called in to make a payment, which is never easy, they ask how much I want to pay. I tell them whatever I owe. So they take my payment but don't take the late fee as well. I never knew there was a late fee, they always said there weren't any and that my credit is good. Then with this Corona virus going on, a lot of mortgage companies, good mortgage companies are allowing people to freeze their mortgage for 2-3 months. Then once that is over, they pick up where they left off.

Bravo PHH Mortgage. I was so pleased with the professional and competent assistance I received in meeting my mortgage obligations given the corona virus disruption while I try to return to work asap. Alise was very helpful.

I called after I find out on Monday 3/16 that my job will be closed until April 6th (minimum time), it can be more time to the coronavirus. I was asking if they are offering any help for their customers with no income and they told me yes. Their program is basically not to make any payments for April, May and June but then on July 1st, I will have to make a lump sum payment for the 3 months that I did not pay.. How is someone that will not have an income God knows for how long is supposed to come up with 3 months worth of payments in one lump sum..?? Sorry, but this is NO help! Come up with a better plan to help your customers during these rough times!

I am in a financial crisis from a lost job. I called PHH Mortgage for mortgage payment situation. The staffs are friendly and trying to help with the best they could to resolve my situation. Their customer relation is great with nice answers.

Calling about payment options. The representative is thorough and fully explained the current options. Due to declared national state of emergency, I am figure out how I can manage my expenses. Waiving late fee's and monthly payments would help my finances. I have 2 college kids were abruptly sent home due to Covid. I am too wondering if I will be the same. I am primary wage earner and I am concern with the unexpected expenses and livelihood.

My mortgage was transferred to this poorly ran company about 2 months ago, my statements say I'm behind a payment but when I call both the automated system and the live reps (coincidentally sound like the people selling the car warranties) I'm told I have no past payments due. Not only that issue they waited almost a whole month before cashing the first check. I came to this site to see why they had their horrible rating and seems this is their way of business. Whomever is writing the response from PHH please don't bother with this one. I am done with your company and way of handling accounts. If anyone gets switched to is company like I did switch before the first payment or you'll end up the same boat as the rest of us.

Company and reps offer detail information to make the decision process effortlessly. Turn around time is in normal range and calls and emails are returned promptly. I would recommend this company for first, second mortgages and or refinancing.

Payment situation. Working with the PHH representative, who had compassion and experience in these situations, put me at ease and explained everything in detail to help me, was such a godsend! Excellent customer service!

Juanita went above and beyond with helping me with my payment questions. She is an excellent asset to your company - Juanita is very knowledgable and compassionate about her position. Thank you so much for having such a wonderful spirited young lady working for you.

A number of years ago, the original mortgage servicer sold my mortgage to PHH Mortgage. As such, PHH is required to file the correct forms in order to maintain a "trail" of ownership. Fast forward to March, 2020 and, when doing a title search in order to sell the property, we have found out that PHH did not file the correct papers! As a result, we don't have clear title to our property and cannot sell it. I have spent an appreciable amount of time on the phone trying to resolve this, but PHH has an offshore customer service department that refuses to give US contact information.

My Mortgage Account had been transferred from ONE Service Company to PHH Mortgage, Since very first day, when I created online account, My property tax information were in Arizona, while property is located in Nashville TN, online accounted was stated this, then when I Complaint, that the property tax information should be as per property physical address, then they changed my property in Arizona. I had been keep calling them, they always said, "We are working on them," by the way, they outsourced calling center in India, after 30 days, they sent me an email, I needed to contact with local authorities where the property is located.

I called the company regarding paying off the balance on my loan. Staff was cordial and answered my questions. She was knowledgeable about the process involving the discontinuation of automatic payments.

Back in 2005 my husband and I were victims of a bait and switch mortgage. The mortgage was sold twice before Ocwen and then PHH got it. Apparently we have a balloon mortgage which was supposed to be a 15 year fixed rate, and it is about to expire. We have been trying to refinance or modify this mortgage for almost 6 months. We are now to the point that we need to do a settlement or something because we will not have $42,000 in two months. We have had appointment dates and times for a case manager and escalation supervisor to call us and they never call.

I was a satisfied customer of Ocwen, when my account last May was transferred to PHH. Since that time, I have had two payments rejected with no explanation, inaccurate information on the website, no routine communications or statements. But most of all, it is the complete unresponsiveness to my many inquiries using all available tools--letters, emails, website communications and phone calls.

I was transferred to PHH mortgage from Ocwen in June 2019. In August 2019 I had a storm that did $10,000 damage to my home. My insurance company paid me but included PHH mortgage on my first check for $7300. PHH mortgage loss draft Dept has done everything they can to not pay me one penny and since my insurance company told me I have to prevent further damage I had to use all my money to do so so now my home has went into foreclosure and my credit is trashed because to date I have received not one penny and have heard every excuse there is. This is a crime but nobody cares. I will walk away from my family home and be homeless and penniless. There's nothing more I can do. PHH mortgage stole my insurance check and now are stealing my home.

The representative that waited on me, her name was Wilma, was very attentive and polite. She was excellent! Everything I asked her about she checked on and answered my questions and I felt very good when our call was complete. All customer service individuals should be like her.

Updated on 03/10/2020: Continue to stress a over missing payment. I tried to contact them and received a letter saying my payment was paid towards my January payment. I made my January payment on january 14, 2020. And wasnt behind before. I dont understand why someone cannot call me or review my payments from january 2019- 03-20. I have lost so much time my eyes burn.

PHH will not recognize I have POA for a customer of theirs that has Parkinson's Disease and are trying to foreclose on his property. He has given all requested documentation they have asked for but PHH has lost a certified check they signed for and in turn has held and destroyed original payments he has made. We have sent copies of everything by email to the Escalation Dept and have scheduled an appointment for today at 12:45 to speak with the case manager, who over an hour later still has not called. PHH says the foreclosure has been suspended but have not notified their attorney so their customer is still getting certified mail from the attorney who has scheduled a foreclosure hearing with the Super Court. Several thousand dollars of attorney fees are being added to his loan. It seems PHH is intent on taking this customer's home from him.

We just did a modification in February 2020 and had all the paperwork notarized, etc. Got approved and then I went to pay the March payment (1st modification payment) and it changed another 50.00 a month. Aren’t the documents that we just signed right? The person on the phone said the escrow changed? No notifications, emails, calls — nothing!! So my question is how can it change in less than a month - didn’t PHH have to crunch numbers for the modification? Also now I have a second mortgage that I wasn’t told about (modification numbers) and now my payment is HIGHER than before? Isn’t the reason why you do a modification is to lower those??? Seriously???

This PHH Mortgage Company is a fraud, predatory lender and scammer to a lot of customers that they have mortgage with this company. If you interested enough you can check this company out on a fraud lender. They had to pay back a lawsuits to homeowners Millions of dollars. But in my home town IN New Jersey I never got a pennies back. I filed complaints to State and consumer affairs. Nothing was resolved. They got away with murder! I am giving up for this nightmare with this company.. Looking and trying to find the money to pay off my mortgage soon. I got sick days in and days out if I think about how this Company can get away right this. This PHH mortgage company has changed the new name to NEWRez now. I never signed up the mortgage for 50 years? Who wanted to have a mortgage for 50 years? They are more but leave it just for now. They took advantage of us who are just so real victim of they scammed.

Updated on 04/28/2020: So after great frustration, I took to writing a review and finally PHH gets in touch with us 'Specialized HRD Escalation Agent, Shamona **. Shamona is your designated contact for inquiries and the submission of documents as needed.' However, after one email, she dropped off the face of the earth, so a few months later I post another review which triggers 'Relationship Manager, Manoj **. Manoj is your designated contact'. So he emails asking when is a good time to speak and I reply the next day (a month ago) with my availability and NEVER heard back.

Problems after Ocwen Switch. No problem with Ocwen, no missed payments, but sometimes a week late. PHH calls me, I paid the amount they said, yet they "suspend" the payment and report me to credit bureau! 2 times plus mystery $$$ amount reported now! Their one internet page is broken English and looks like a SCAM, took me 1 hour to set up online and STILL can't figure out how to pay online!

The current balance that I owe on my home is under $70,000. I have the IRS paperwork as well as other documentation to prove it. Originally when the company was under the name Ocwen they had the correct balance on my monthly statements and all was well. Once they switched to this scam of a company they sent me statements stating that I owed nearly $150,000! Every time I tried to call and get answers they have someone (who is outsourced from another country) give me the run around. They also reported this reported this to the credit bureau and now I am in the process of filing a lawsuit because of this.

Money grabbers. Adding fees whenever and wherever they want with no notice. I have never been late on a mortgage payment in the 6 years I’ve owned this home and also had them with my previous house. They just keep getting worse and worse. Customer support is not even worth calling. I will be refinancing. I definitely do not recommend this company.

Update on 03/05/2020: Well I’ve put my complaint on here! They called 2 times when I was at work. Gave authorization on here and written authorization for them to talk to wife. Authorization for them to talk to wife Lisa ** they have on file. Now they haven’t called back again. My advice to anyone using this Company is to refinance with another company or thinking of using this company don’t!! Have a lawyer looking over my mortgage paperwork. They’ve scammed me out of thousands of dollars with bogus fees. I’m reporting them to the Attorney General in the state of Michigan.

So my wife paid around $1,300 in September and the representative said everything was caught up and good to go. My wife paid November and December. Then we get a letter in January saying we are behind 4 months. How does this happen? Has this happened to anyone else? Seriously thinking about getting the attorney generals office involved. Honest people out here fighting to make a living then you have crooked companies like this kicking them harder when they are already down. They always say you're missing payments so you can’t refinance or go somewhere else. I have never seen a company that loses (lies) about people’s accounts like this one. Also my wife has done sent in prove of September through December so I guess we wait for a response.

This company is a sham. They switch you from one person to another yet nobody gives you a answer. Even the escalation manager won't return phone calls. Even the response to these bad reviews are all the same (they give it to a escalation manager) and they just give you more lip service and nothing gets done. I sent 103k from my bank and after I gave them the electronic tracking # they can't tell me where my money is. Even when I was talking to a so called escalation manager (who promised a phone call back four days later nothing) their company called me on another line to complain that I have not made my payment, this is 15 days in and nothing about where my 103k is. It seems as they are trying to rack up late fees and extra interest. If I could give them zero stars I would. Watch their response and let's see which useless escalation manager I get this time.

I spoke with Julius and he was wonderful. We are new clients and he answered all my questions. He also stayed on the phone with me while I set up a new account on my computer. He couldn't have been nicer.

My property was foreclosed on 12/31/2019. I called on the 9th of December 2019. I never received any paperwork from PHH -- certified mail or otherwise. Stated that when I called was told at that time that paperwork would be sent out for a modification. I also asked if could look into a payment plan. Nothing was still never sent. I got the paperwork on my own via the internet. Sent paperwork in through email the 19th of December. Checked the website periodically almost everyday and it said account was under review in which I have a screen shot of. Called and emailed a few times. Nobody really had any information. I called on the 27th or 28th. Was told to call back in the 30th which was the day set for auction.

I am a 67 year old woman who has been recently diagnosed with a life threatening disease. I fell behind on payments and decided to do a loan modification. I was approved and succeeded by making the Trial Mortgage payments. I paid early and called in! After I made the last trial mortgage payment, the representative I was talking to said that from now on I can mail in or use my bank to send in the payment. After that I heard nothing back and sent in my payments via my bank. They were getting accepted and since I didn't hear anything back I thought we were fine. Then I get a letter that says I was not approved for the loan modification because there was a problem with my title loan.

Your website doesn't work. I keep trying to log in. Makes me just keep putting the same info over and over? A lot of people on social media are saying that? Can you please check it please? Other than that I’m glad to be aboard. ✋️

PHH has inexperience customer service employees who are based in the Philippines. They are polite, but are incapable of answering most questions and rarely return the phone calls they promise to return "within 24-48 hrs". I have been contacting them for 6 weeks because they stole $1281 from my escrow account and gave me no notification there was any issue. If I had not tried to sell the house and call about the payoff, I would have found out 30 years after the fact instead of only 7 years after the fact.

I answered the phone so I could confirm that payment would be coming on Friday, 2/21, when I get paid. Due to almost $500 in car repairs I didn't have enough to cover the entire house payment. Agent was very professional, courteous and helpful. Payment was set up to draft tomorrow, 2/21/2020.

Did not realize I was a on a balloon loan. My home is worth 200k. I only owe 40k. They will not allow me to extend my loan. They will be forcing me to sell my home or Lose it to foreclosure. My credit is bad so I cannot refinance with another lender. I have asked for help to work this out but they do not seem to understand what I am asking for. My loan matures in 2 months and they don't seem to care. I know I messed up and should of known what type of loan I was in. But I still was hoping they would help me keep my home. The case managers do not speak English well. I can barely understand them and them understand me.

This was a bad decision long ago to get a loan like this but we have faithfully paid on the loan. Ocwen wasn't a great company but When Ocwen became PHH our problems intensified as far as the servicing of the loan. Our loan is due on the 22nd of each month. We pay around the 3rd of each month online, which is about 15-18 days early each month. Every month they claim we are late and add a late fee. We have to call every month, they admit they are doing things wrong and say they corrected the problem. The problem seems to be they assume all loans are due on the first of the month. Our loan was never modified to be due then.

I preface with the CSR was fantastic and did all she could to rectify the situation. I did not want to change my mortgage service. Big hassle to set it my account on auto pay again for the umpteenth time because my service gets passed around so much. Didn't have internet access to my account for so long and kept calling in at hours that you aren't available due to my schedule and major hassle to finally get the website working...just a horrible hassle....finally get it all arranged with the help of the CSR who was kind and patient as I was not after being irritated that I had to call in on a Saturday because the previous 3 attempts were outside the call center's hours of operation.

First off, I want to make it known that this is not a reflection of their representatives, but more so on their entire system. My husband and I have been on a repayment plan for several months now, and we have been paying it without problems. This month, my paycheck for my Veteran’s Benefits was not received on time, and it caused the payment to bounce back to PHH. As soon as I found out about the payment returning to PHH, I called and notified them and told them when my paycheck was going to be deposited. I called several times these past 2 weeks. Well, last Friday I was finally able to make my payment to PHH, and today PHH rejected it and they canceled our repayment plan. This was completely unfair! I did the right thing by notifying them and I was reassured that nothing was going to happen. It’s not my fault that my VA paycheck didn’t get direct deposited on time, but yet PHH sees it as my fault.

After owning a home for 25 years with no problems with my mortgage I fell into a sub prime loan as a result of contractor fraud and a collapsing economy. IndyMac turned into a nightmare with OCWEN, now PHH. I made payments through an over the phone vendor and then could not get the money back when they returned my outrageously inflated late fees and I had to get the Attorney General of NH involved to get the money back. When modifying the loan I was repeatedly told--for months--that I had water/sewer liens on the property and the mod could not go through. I repeatedly sent them paperwork from the Water Dept. which stated very clearly there were no liens. After almost 2 months of this they told me it was not a water dept. lien but a bank lien. I had to repeatedly go to the Registrar of Deeds to prove there were no liens.

Every single month I struggle to log into my account to the mortgage questions.com website. I get past the initial login page, but when I attempt to CORRECTLY answer my security questions (have tried all 3), I get the following screen: "Not Found. The requested URL /siteminderagent/forms/https:/sso/mq/login.jsp was not found on this server."

I had a concern when my Mortgage was not even loaded into the PHH System on February 1, 2020. I had many conversations with the people on the Hotline. They were all very courteous and willing to help if possible. Being an IT professional myself. I asked many in depth questions about their processes. They were very patient in answering my questions to the best of their ability. It is my nature to be precise and specific to understand the processes and to understand the length of time for them to work. On February 10, the data got loaded on to the system. I was able to register but the link failed. The next day they corrected the problem and was able to make the first payment. I am now a happy camper. I was a Software Engineer for IBM and Lockheed Martin for a total of 35 years.

Updated on 04/08/2020: I have no idea how this company is allowed to operate in any state. Our mortgage payments include our property taxes. For over two years we have tried to weekly for PHH to pay our taxes. Finally after over two years I filed complaints with just about every government agencies you could think of and our taxes were paid. This company is totally incompetent, lies, disorganized, dysfunctional. Stay away from PHH.

Ray (I hope I'm spelling that correctly) was incredible. She stayed on the line while we conferences in my old mortgage company. There was over 45 min of being put on hold/being transferred. She was patient and informative. She was a great help.

I nice company and nice experience. Highly recommended 100 % especially the attention of the customer service. Thanks for the service provide to my family since every time I spoke they always tested me the best.

OMG! I attempted to pay my mortgage yet again online and I received a message that my payment can't be processed. Then if I pay via automated system I have to pay a fee. When I went to the website today it is still showing 27 days late from last month, which I was NOT late and I reported that PHH failed to process my payment on 1/2/20. I have had an outstanding payment history with my mortgage and NEVER encountered these issues with OCWEN! I'm completely FRUSTRATED with this company and now I am going to start a class action or join a class action against them! All I want to do is pay my Mortgage!

PHH lost one of our payments last year, then claimed the check I'd written was returned for insufficient funds. It was not. My bank certified PHH had never even presented the check for payment. After literally hours on the phone with their agents, we resolved this situation and PHH removed the late fees; however, we did not want to deal with this company anymore, so we refinanced. Our new lender paid our note to PHH in full and our county taxes. PHH also paid the taxes from our escrow account, but the funds were returned to them as the bill was already paid by the new lender. We have been waiting for over two months for PHH to return the $2000+ owed to us from this fiasco. We have spent hours on the phone trying to reach a supervisor who can actually give us accurate information. In the meantime, our money sits in PHH's coffers earning this unscrupulous company interest. What will it take, PHH? When will you refund our money?

We need to close escrow on my refinance immediately and yet 7 days after requesting my demand for payoff IT STILL HAS NOT BEEN PROVIDED. This is the only document needed to close escrow, when are you going to send it to the escrow company??.

I was proved for a trial modification and completed the payments. The final loan documents took forever to be sent. I sent the original back. They were received and first stated they were not notarized. Which was incorrect. Then I was told it was approved and to wait for my account to be updated. That never happened. I was then told the documents were denied. Because my middle initial was not included when it was notarized. I received the second. Sent signed. Had them notarized and returned them. 10 business days later they were not uploaded into the system. I have asked to talk to a supervisor and was refused multiple times. My case manager has had zero contact with me. I was then told why didn’t I send it overnight mail. I returned it in the envelope that was provided. Was told it takes 10 Bussiness days to receive the documents.

Unfortunately, on the Mortgage Questions (PHH) website, the link to leave the introductory page and go to the site portal would not work, so I could not use the site to retrieve my interest paid information. While the web site was not usable, the person [in Manilla) with whom I spoke on the phone was very helpful, and she was able to generate the information that I requested.

I was Approved for a Loan Modification. I completed my 4 Trial Payments on time. The company had an Computer Error showing that my payment was not made on time. I received a letter saying I was denied because of a late payment. I had all my receipts showing my payments was made on time. A representative apologized for the inconvenience and stated it was a computer error. A message was sent to an Underwriter for a review to reverse the Decision. It's been over a week and I'm still waiting to get an Update. Hopefully I don't have to get an Attorney!! This is the Worst Company I've ever had!

My mortgage was transferred to PHH from Ocwen several months ago. Since then it has been a nightmare. We were one payment behind when we were transferred in June 2019. We had applied for a making home affordable loan 3 years ago and had payments automatically deducted from our account since a month after getting approved for a modification from Ocwen. I knew that the merger was happening and received an email that if we had automatic withdrawal it would continue without me having to do anything. June, July, August and no payments were deducted. I went online and set up a payment to be done in September. Still no payment taken, get a letter in October saying that payments will begin November 1st but will terminate on November 19th.

When I had mortgage through Ocwen I made weekly payments for my mortgage. Payments for April, let's say, went to the May payment. I had no issues and was paying down my mortgage. In May 2019 my account transferred to PHH. My final payments May, for the June payment, were sent to PHH and ultimately applied to the May payment -- thus paying that month twice. Since that is me, every month I have desperately attempted to correct the issue and every month PHH tells me I am wrong. I am truly at my wit's end and cannot afford two payments to bring me current. I don't even know where to turn.