Onity Mortgage Reviews

I don't understand what happened to Ocwen. I know they say that they are in the background somewhere but I don't believe that because Ocwen would never allow me to go through the things that I'm going through right now. PPH mortgage is the most disgusting company that I have ever had to deal with. Every time I call to talk to someone I'm talking to someone way over in the Philippines and I don't understand how is it that my house is in the United States and I have to pay somebody in the Philippines. And when you asking to speak to a supervisor they ask so many questions I didn't I tell you a supervisor is not available to talk to you at this moment.

PHH Mortgage Services billed my Elderly father for over $3000 worth of “property preservation” fees after he was behind 3 months on his mortgage. Those charges consisted of $125 lawn care fees twice monthly for 3 months (the grass was only cut 2 times) replacement gutters that didn’t need to be replaced and the replacements were poorly installed and have began to fall off, roof repairs that never happened, changing locks which should not have happened being that the house never went into foreclosure, and other fraudulent charges.

March 20, 2019 I received documents to agree to a loan modification and a trial payment period at the same time. I signed the documents and returned them. I spoke to an agent today and he stated that customers receive a trial payment plan before the modification begins. Unfortunately for me the modification amount commenced before the trial payment plan. For three months my payments we applied and recorded as $98.28 short. The agent told me I should have called to verify the amount before I sent my payments.

I've been on hold for an hour and a half just trying to speak with someone in the United States. There have been issues from day one with this company! Every time I call there are excessive holds and I get hung up on. I would pay good money not to have to deal with this company and their time-wasting, incompetent staff.

Updated on 04/27/2020: Back in October 2019, through a computer glitch, PHH drafted $74,041.41 from our bank account versus the monthly mortgage payment. It was an ordeal to say the least. Their error. No problem they said. We will not report negative to your credit etc. Today, we are having to buy a new home to relocate. PHH reported us to 3 major credit bureaus that we were 30 days late during that time in October. So, we can’t pre-qualify for a home now. Never been ever late in 25 years of having a home and this company makes a computer glitch and messes up our life just like that. Not very helpful in trying to fix it either. On the phone over an 1 hour and 40 minutes and nothing really but the mundane card reading. Terrible, terrible, terrible. This will take a long time to fix and with the current status of the pandemic, not what we need. Thanks, PHH.

I have attempted to make several calls to PHH Mortgage Servicing on my recent mortgage statement. They are holding money in an Suspense Account but claiming my mortgage is late. I have taken numerous time from lunch hours trying to speak with a live body. Now, I attempted to make my mortgage payment yesterday, the 1st of the month and stated "unable to make online payment at this time." AUUGGHH. Ocwen was amazing in this respect with communication.

Their mortgage assistance program is a joke. I recently separated from the Air Force and like 80% of vets have had difficulty finding a job. I contacted PHH 2 months ago to explain my problem and they said to put in an application. It took over a month to get the correct paperwork because they kept sending it back stating that the paperwork was over 90 days old. Impossible since the dates were the same date I submitted and were less than 30 days. After arguing and resubmitting the SAME unchanged paperwork 5 times they accepted it and said I’d still have to wait over a month. When calling to follow up it’s obvious they don’t read my account and are terrible to work with. If you have a choice DON’T USE PHH!

OCWEN sold my mortgage to this company and this is the WORST mortgage company I’ve EVER dealt with. I had a name change on our homeowners insurance, NO LAPSE in coverage & because our adjuster could not download policy name change due to PHH website, this company is consistently sending me threatening letters saying I owe them $3.00 for one day without coverage, which there was NEVER any lapse in coverage and now have turned me into their collection department. My insurance adjuster has made several attempts to make it clear there was no lapse in coverage, the 1 day delay was due to PHH’s website not working. I have also tried to clear this up as well without no prevail by PHH.

My mortgage was recently taking over by PHH, even though they are still owned by Ocwen they want me to open a new online account. When I went to do this they said I would have to provide my full Social security number which I refuse to do on the web. So I called and after being on hold for ten minutes the nice young lady transferred me to web services where I was told there was nothing she could do for me so I asked to talk to her supervisor. She told me she would transfer me to another dept. Instead after being on hold for ten minutes she picked the phone back up and said hello, when she realized I had not hung up she put me back on hold. Ten minutes later the call was disconnected. Needless to say I am not very happy with this new company, I believe I should be treated better than that, after all they make money of me, and furthermore why should we pay them a fee to take our money online, don't they make enough money off us already!

I have hard time to get their attention. They do not pick up the phone during the biz hour 8 to 5 EST. They do not return phone calls. Always put us on long waiting time. Their Customer Services are not professional. When we call them, we definitely have a issue/problem. I think they should pay attention to us to resolve our problems. Thanks, David

If I could give 0 stars I would. My Ocwen loan was transferred to PHH Mortgage Services recently. I wired a payoff payment of $60K+ to PHH and followed all of their instructions exactly. Almost 30 days later, they have no record of the payment and as a customer, I can't get past anyone higher than a customer service representative. I am put on endless hold for "escalation supervisors.". At this point I am beginning to believe that they don't exist. My calls keep getting "disconnected." After my third call this morning, suddenly I get a message stating that the system is down due to "unforseen technical difficulties." Probably a coincidence, but very frustrating. I sense no urgency on the part of PHH customer service representatives. I am currently working with the attorney I keep on retainer to determine a path forward.

It is absolutely impossible to get the help you need from these people. They are rude and demeaning. I told the rep I spoke to this morning that my financial situation had changed because my daughter had a baby and is now living with me. Her response to a new baby was, “Im really sorry to hear that.” I’ve called twice to try and get help and have been talked down to because I’m one month (now half a month) behind. And after I sent the first payment by mail, they threatened foreclosure. I just want to get caught up without any threats. It’s been a nightmare- where did our nice Ocwen reps go?

I called in on 9/16/19 trying to pay on my account. I was told that due to the account the least they could accept was $1,248.34. I let person I spoke know that I didn’t have that and asked when is the last day that I can pay the amount. She said 9/30/19, anytime after that the amount would be different. I called back on 9/30/19 as instructed and was told my account was sent to foreclosure today. I mentioned my conversation from 9/16/19 and I was told that I was provided false information on that date. I asked to speak with a supervisor to discuss the matter.

Horrible customer service. Unable to understand due language barriers. I explained my situation, and they still forwarded to attorneys for foreclosure. Each call takes over 45 minutes and then I get the runaround or hang up on. Agent lied and said I had to reinstate with attorney office because they couldn't accept payments from day one, unless I agree to pay forward my taxes. I have always paid my own taxes and insurance. I have miss a few times being late and in the hospital, Ocwen would pay it and I would pay them right back. PHH lied and said Ocwen escrow my taxes & insurance and that was a lie. It never happen. PHH will not expect none of my payments towards my mortgage, due to me not paying double taxes and my taxes are already paid for 2019, thanks to me. I had to give them all my information.

Ocwen was a good company to have our mortgage with, there were no problems, but when they sold my loan to PHH, I've already gotten several letters saying they are going to foreclose on our house because our payment is short every single month. When I ask why, they say it's because of our escrow or property taxes or blah blah blah. It never makes sense and I'm $80 short one month and then the next month I'm $106 short. Mind you, we use a bi-weekly program that pays our payment, the same amount, every two weeks for us. Seems pretty fishy to me, when we were never short with Ocwen.

PHH called my husband for the payment. We had already mailed the payment. In a nut shell they took they money thru their online process without permission. After speaking to someone who told us my husband gave permission to do this we asked to speak to management. The lady went back and listened to the recorded conversation to tell us he did not authorize the transaction. She said it would be address and NSF funds refunded. Fast forward 5 days. Guess what they did it again. Tried to take the payment out a second time. We are having to put a stop pay on anything thru PHH unless we tell the bank to pay because of this ordeal. This is why I hate people having bank information. They just take it out. Who knows how long it will take to get refunded the NSF charges. I want to know for sure the employee has been handled. He could do this to others.

My mortgage was with Ocwen. I was on a bi-weekly pay plan where as I paid 1/2 of my Mortgage bi weekly (I could pay off my Mortgage with the extra payments applied to my loan) for a few years w/extra payment applied & accepted to my loan balance. I continued with my bi weekly payments with PHH (with their blessings), but just this week I was told over the phone that a letter was sent to me notifying me of the cancellation of the bi weekly program earlier this year, but I never rec'd letter.

PHH Mortgage company is being resolute in helping their customers maintain their dream in keeping their homes. They will work with you on a one and one basics in all endeavor for you to keep your home. A company with a heart for people.

Ocwen transferred my 75 year old grandfather's mortgage to PHH mortgage in June 2019, after being approved for a loan modification with Ocwen in March 2019. Apparently all the information from Ocwen didn’t transfer over and PHH mortgage is trying to charge my grandfather more than the modification amount he was approved for. I have called PHH several times and I either get hung up on or told someone will call me back within 48 hours with more information. Neither has happened. My grandfather is now failing behind in payments again! I feel like PHH mortgage and Ocwen are scams working together. Apparently they prefer foreclosures & the lawsuits haven’t taught them a thing.

My home loan was transferred to PHH “Mortgage“ from Ocwen. I thought Ocwen was bad, well PHH makes Ocwen look amazing! I have had 2 surgeries in a 3 month timeframe. We had signed up for our payments to be deducted from our account each month, never happened. We got behind on our payments while I was fighting through these health problems and surgeries. We had our bank make a payment through bill pay. Bank sent payment to PHH but somehow the payment has vanished into thin air! We have called numerous times and spoke to many different people, sent documentation to PHH showing the payment was made. These people have NO CLUE what they are doing! I’m at the end of the rope and I want ANSWERS ON WHERE MY PAYMENT IS!! This company is a joke!

I had a great experience..Would recommend to friends and family. The representative was very helpful. Very polite and straight to point. I did have a overall good and polite conversation with the representative.

On 9/23/2019, I wire transferred a large amount of money to M&T bank, as ordered by PHH, to make a principal payment. As of 9/27/2019, the payment has still not been posted and PHH can't tell me where my money is. My bank was contacted and their records showed the money being transferred on 9/23/2019. I feel like I'm getting the run around by PHH. I need answers.

In August 2019, my loan was sold to PHH. I had already paid my August payment to the original owner of the loan on July 22nd. This occurred as I was in the process of refinancing my loan to take advantage of the lower rates. PHH improperly applied the August payment to escrow on August 13th, making my principal balance higher than it should have been. I discovered this issue on September 13th, as I was working with the loan officer for the refinance. I called and spoke with supervisor at the time and was told they would put in a request to have it fixed in 7-10 business days, but that they would attempt to escalate it.

Updated on 01/01/2021: My experience with Phh Mortgage has been the worst in my life. It began in 2019. I filed for a modification, which I believe was my first mistake. I signed a contract for a modification for July 2019..sent in my payment with the contract... Funny thing is they received the contract but not my check (which was attached to the contract) someone to have removed it from the contract. And that's when the nightmare began...

I have an apparent hold on my account since the transition from Ocwen to PHH. I have called numerous times and notwithstanding being placed on hold while the agent "reviews my account", they come back on the line stating the same thing as the agent that I spoke with two days earlier -- "I will e-mail the proper department to get the hold removed so that you can make the payment." No less than four phone calls and four weeks have passed since these conversations and still -- I can not make a payment.

My title company faxed it payoffs request couple times to PHH Mortgage, 1st time on 8/14/19 & 2nd time on 9/19/19, as well as followed up with the phone call. Email from the title company quote "I called PHH and was told they are having issues not receiving Authorization forms.(faxed on 8/14 and again 9/19). If you call 877-461-2437 tell them to fax **. I'll get it faster ..I'm really sorry"

You ask why are you sending me these letters, and they never respond. Just send out more letters, they treat you like a dummy. I asked for a payment history, yes they sent it to me, the print is so small cannot read it at all. So I am back to square one with them. They are the worst ever.. Stay away from them.

Resolved my issue very nice manager.

I was struggling to make my payments. I was offered a modification by PHH Mortgage which raised my payment $150.00. Makes sense right? I paid all 3 payments of my modification trial period and have not heard back from them. And now I received a letter stating it's regarding my recently missed payments and my options I have to foreclosure. The last time I was able to get into their website I saw my payments sitting there unposted to my account. You cannot get into their website. I cannot get ahold of my Retention Relations Manager and when I call the main number they keep saying they are still working on it. I do not want to lose my home and do not know where to turn. So stressful and making me sick.

The person I spoke with was caring and interested in what I was going through in order to establish my ability to pay my mortgage payments on-line via an electronic transfer from my bank to your bank.

They say they are sorry for any misunderstanding say they're working to try to change their website to make some things better. The manager gave me her phone number said to call if I have any problems. Hope all is well.

Since they have taken over my mother's Ocwen, what was GREAT to deal with, PHH has been a Nightmare. EVERY month issues with either sending bill 4 DAYS before Due, or since we figured they would be Late with bill, we Sent payment in EARLY, and for the LAST 3 MONTHS have to call to have the payment NOT to Principal BUT for monthly payment. This month sent September payment in Early August to make sure payment was received for September, not trusting PHH Mortgage to Not mess it up.

In 2010 we requested a loan modification. We qualified and during the process PHH Mortgage intentionally delayed the process, put us in foreclosure, then added $10,000.00 in attorney fees to the loan. We made the payments based on the correct amount because they told us they were going to fix it. In September of 2012, they stopped taking out payments and put us in foreclosure again, and added another $10,000.00 in attorney fees to the loan. We had to file BK to stop the foreclosure and then they added another $10,000.00 in Attorney fees to the loan.

I accidentally made 2 house payments just days apart. When I realized what had happened I called my bank and PHH Mortgage. PHH refused to talk with my bank on the phone even though I was on the phone with them giving my permission, they said they had to have it in writing. I was told over the phone that they had received my payment and that they would either try to put it back into my account or send it back to me within 5 business days. After 5 business days neither happened. I called back and spoke to the escalation department.

I wouldn't wish this company on my worst enemy. They are saying I have $80 in late fees that came over from Ocwen and some assessed fees of $21. What is that? They won't tell me. I was moved over from Ocwen in June. Ocwen was great. Best ever with me and always polite and Americans with no accents. Not overseas jake legs. PHH has a website that's 20+ yrs old that's almost non functional.. with little to no info of my account. It takes an Army just to make a payment online..and God forbid you call them to make a payment, they charge you for that too. I have my statements from Ocwen right before the change over that clearly show ZERO late fees. These were all waived during my repayment program and was stated to me during that time that they would NOT be applied.

PHH just changed their name from Ocwen, still horrible scammy ways. Website says one thing, reps tell u different. Did a modification in 2009. It's right on the website but call in it's the old number. No satisfaction. Reporting the info to a loan company is wrong, they're trying to recover the forgiveness in 2009. Lousy sleazy company. It's Ocwen, same reps same lousy service.

Updated on 10/25/2019: I just finished speaking to PHH Mortgage escalation manager Shamant, employee ID **, whom advise me that our claim was denied. So even though PHH made an accounting error, tried to cover it up by charging us over $2400 out of pocket and taking over $1300 from out escrow, I would not be receiving the money back. This happened after almost 2 months of phone calls back and forth with PHH Mortgage, despite supporting evidence that an error was made by PHH, with an admission of that error by the escalation manager. So I will be on every platform I can find monthly, giving PHH Mortgage the rating they deserve. Quite frankly, even a one star review will be too much for a company as incompetent as PHH Mortgage.

This is a company you definitely want to stay away from!!!! My loan was sold to PHH mortgage and it was a complete nightmare from that moment forward. No one on their customer service team knows anything about mortgage interest rate and can answer any of your questions regarding your account. I knew there was a problem when they told me that I cannot pay my mortgage 2 months in advance. What’s company does not want you to pay your bills early???

My account was transferred over to PHH from Ocwen. I was in a modification plan. PHH accepted my 2nd payment but denied they never received it and placed my home in foreclosure. Every time I call I get a different person who places me on hold forever and comes back without any information.

Horrible customer service. Unable to understand due language barriers. I explained my situation, faxed all required documents, and they still forwarded to attorneys for foreclosure. Each call takes over 30 minutes. Agent lied and said I had to reinstate with attorney office because they couldn't accept payments. Called attorney office and stated they did not have any of my information. I had to give them all my information. I called PHH the following day and was told my information was just forwarded earlier and to have patience and call the attorney back to get the reinstated amount. They are trying to delay, add additional fees, and attempt to foreclosure.

Ocwen was 'meh' but passable. PHH has been an absolute nightmare. We were assigned a caseworker who we can't reach and never responds. When calling the hold times are inexcusable and we are told something different with each person we speak to. Paperwork demanded gets 'lost' yet we never know because no one follows up. We have been unable to make electronic payments and have to mail in checks. Checks which have taken up to 2 weeks to be entered into our account even they are cashed immediately. We have been forced to mail them as certified/registered mail with signature required in order to prove dates of receipt. Inexcusable. IMO this is not a mortgage company. It's a foreclosure company intent on making things as hard as possible in order to foreclose and seize properties.

We have held on to our home through many hard times. Ocwen was able to work with us and assist us in difficulties. We were able to access our account online and making payments was a straight forward process. Since PHH has taken our mortgage our auto payments stopped without our knowledge and we fell behind a payment. We tried to make a phone payment and was told our loan was not found! We waited until the next statement to be sure they held our loan and tried again to make a payment by phone and again was told we did not have a loan number with them. We received a letter stating we were in preforcloser and needed to send payment certified funds. We did this but payment was denied.

I am disabled and became behind on mortgage payments. I was approved for a trial modification where I complied even sending extra money. You will not grant a permanent modification because my ex-husband of 10 years will not sign your documents. (His name is not on deed.) I called and cancelled modification process after ending a total of 6600 and some odd cents to bring my account up to date and move forward making the inflated payment that I have been paying. You were to review the payments and apply to my account within 72 hours. You have not done this. I have called everyday for over a week now speaking to the Middle East, Philippines and God knows where else. This last call to the Philippines I was told by your customer service that I needed to make a payment by mail and then you would apply my 6600. What kind of a set-up is that. You are holding my money hostage.

Our mortgage was sold to PHH a few months before we had water damage to our home. After dealing with the insurance company (a whole separate headache), our insurance check had to be signed by PHH and they control distributions. The first disbursement took approximately one month to receive because of the ridiculous amount of time it takes to get from point A to point B in the process. Now we have reached the 50% point, and need our inspection and next disbursement. We were told 5 business days by the call center for the inspector to call us to set up an appointment. That was 6 business days ago. We received a phone call this morning asking if we had been contacted by the inspector. Now, because the ball was apparently dropped somewhere along the way, we are being told it's 7-10 days for a phone call from the inspector. Every time we call about anything, we're given a different answer for how long it will take.

Updated on 09/25/2019: They did remove the 21.67 for late payments, but still stand that they send me a check. I requested that if they do indeed have a check sent to me and cashed by me, to send me a copy of said check. As of yet, and since they did not ever send a check to me, they will never have this check to show me. They are still in the wrong and still need to correct my mortgage statements. They will still get their auto payment, and I will still contact other agencies to get this matter resolved. I will never go away.

I wanted to refinance my mortgage through PHH since I have been an Ocwen customer for over 10 years. This process has been nothing but painful. I started the process at the beginning of July and here it is middle of September and nowhere near closing yet. I have given everything I was asked to submit, and because of the length of time it's taking, I have to re-submit updated statements. The excuse I'm being given is there is a high volume of people refinancing. That really is not my problem. The volume is an operational issue which should have been addressed if anyone in the company is looking at performance metrics.

I was with Ocwen, they had excellent online assistance. Then I got switched to PHH. From the start I could not get online or pay my bill. Finally I talked to customer service and they took my payment. This lack of support has caused two late fee charges and an Western Union transfer fee. WELCOME TO PHH. I also was able under ocwen to see all the details about my account. That is not apparently available any more.

Our loan was bought out by Ocwen in 2013 and it has been a nightmare ever since. With the merger with PHH, this nightmare has been brought to new levels. Rude customer service, emails never returned, failure to update changes to auto principle payments, dishonesty including ARM rates under PHH that are .5% higher than they should be. Do not believe reviews clearly written by employees, this company is awful & needs to be investigated by the Feds!

Where do I begin. Ocwen/PHH FAILED TO NOTIFY US THAT THEY Closed/Deleted our Ocwen account (2nd Mortgage) which includes 10 years of records/statements, payments, etc. Then created a new account under their new name PHH mortgage. We got No warning, no letter, no notification whatsoever. So when it was time to pay our bill, we had nowhere to pay. After days of phone calls, countless hours, and frustration, they were able to find that PHH created a brand new account, with no history prior to June 2019. Luckily we paid before the due date. Thankfully, we got a confirmation.... Ok, so it's been 4 months with PHH and their statements are ridiculously confusing. I guess where there's confusion their is profit.

I have owned my home for 15 years, after my divorce I became 3 months behind with PHH. I called to let them know I was going to get caught up and after waiting about 30 minutes on hold to speak with someone, they said I could do a loan modification, taking the payments I’m behind and putting them to the back of my loan. So I had faxed in all of the requested paperwork they needed. A week later I called to see how the process was going because I was told it would take up to 30 days to review. When I called they said they had only received some of the paperwork needed (check stubs, financial form etc..) so I re faxed the paperwork in again. I call back the following day and they said they still had not received it, the person I spoke with this time told me I could email or upload the paperwork on a website. So I set up an account on loansolutioncenter.com and I emailed everything in and uploaded it to the website.

I have been with Ocwen and they have been great in providing great customer service. However, since they switch to the PHH Mortgage billing system, my bi-monthly payment got dropped and I had to set up it up again through PHH. I found out that they do not provide bi-monthly payment services, however, if you were on any type of auto payment services you are grandfathered in and all is well. But if for some reason you get drop out of the system you are out and can not be set up as previously. I am set up with auto bi-monthly withdrawals with a little extra taken for principal. But, my payments are held in suspense until the whole payment is made. Which I do not like. I'd prefer to see that my payments get directly applied at the time of withdrawal from account. I like to have options that I had with Ocwen, but am told that is no longer available with PHH.

I have been trying to get a modification for years from Ocwen since the death of my husband in 2010. Now they've transferred my mortgage to PHH and still to no avail won't help me to save my home with a modification. My income fluctuates and now my daughter has taken on 2 jobs so we can get caught up on my mortgage. She's assisting me because now I have carpal tunnel syndrome on both my hands which has caused me to work part time but with her income and mine we can pay the mortgage. I've been asking for a modification to assist me in doing so...They say helping homeowners is what they do but I'm not so sure. All I ask for is a more affordable mortgage through a modification and they have not helped me at all with trying to do that. I want to keep my home and I was hoping they could really assist me with doing that. I'm very disappointed.

My mortgage got moved over from Ocwen and it has been the worst experience. I never knew that it would be so difficult to actually force a company to take my money. My ex-husband and co-signer claimed bankruptcy which I understand they have rules to live by for accounts in bankruptcy but I have been current on this loan since the beginning. Every time I call, I get disconnected and usually have to call at least 5 times before they quit putting me on hold or transferring me. I just want to make a payment and move on. I can’t sign up for auto-debit because they won’t allow it, I can’t make online payments and I can’t make automated phone payments according to them.

My mortgage company sent me to PHH after Ocwen acquired them this last year. I was in a repayment plan with Ocwen trying to catch up. When the loan transferred I was unable to make payments online, and impossible to reach anyone by phone. I mailed a check for the plan, it was never cashed. I then mailed another check, and cashed 2 1/2 weeks later, but then got (my own daily since I moved money out of that account thinking they did not deposit it). I tried in vain to reach my case manager over and over. They had phone queues 30-45 minutes long, which was done during my lunch break during PHH business hours. I sent messages through the site for my case manager to contact me. I still have never heard her voice. I then sent an application for mortgage assistance, since I know they would demand full amount. I was assured I had a case manager to contact with any questions. I still have been unable to speak with her.

They were very prompt and was able to answer my question. They are great and have awesome customer service while talking to them. They had every detail on everything I asked about. Keep up the great work guys!

I was originally with Ocwen Morgage Company for years for my 2nd mortgage. My loan was sent over to PHH Mortgage this summer (2019) for some reason. PHH is supposed to be connected with Ocwen. I have had nothing but major problems with them. They will not accept my payment being automatically taken from my checking account, which is the way I have always paid, because I had filed bankruptcy six years ago. I elected to continue paying my mortgages and have done so faithfully.

Please remember to seek a local company for mortgage lending. PHH/OCWEN. My closing has been an absolute nightmare. I've been dealing with my closing for 1 month while they continue to add fees. I'm emotionally drained from this situation. And not even my closing attorney is able to help. I do plan to dig deeper into this company and will be sure to continue to warn others.

We had a mortgage through Ocwen for many years without issue. In November 2018, we lost our home in the Camp Fire of California, a disaster that destroyed 90% of our town. Our mortgage was promptly transferred to PHH, who lost our deferment and proceeded to send us foreclosure pamphlets monthly for six months, despite us being current with our mortgage. We have a check from our insurance and they have refused to accept it for almost eight months now. We have filled out REAMS of paperwork, requests for exceptions, affidavits on the loss of our home, to no avail. They still won't take the check. We have explained that we are now homeless with our two children until they take this check, because we can't qualify for another home loan to buy or rebuild while we still have a full mortgage with PHH.

7 weeks after being asked for a Stock and Lease needed for the sale of a coop unit in NYC, PHH Mortgage hasn't been able to provide it. It is simply UNACCEPTABLE! As everybody is ready to close on this sale, this delay forces the seller to keep paying mortgage and maintenance and is also extremely annoying for the buyer.

I have not been satisfied with this company since loans have been switched over. OCWEN switched accounts over to PHH Mortgages. Every month log-ins have not worked, or my information has no longer been linked to the account, or this last time, I logged in and it appeared to be someone else's account. Each time this has happened, I have to call during their business hours to reset the log-in information. If this had happened once, okay. But this is the third or even fourth time I have run into this problem within the past year.

Our mortgage was with Ocwen then taken over by PHH which apparently is owned by Ocwen. As many others our loan was taken over in June however our account could not be found multiple calls were made to them to determine how we need to remit payment but they couldn’t find my account and was told because of the amount of accounts they took over to bear with them and continue to follow up continued to call in July and still told the same thing. Finally on July 31st 2019 We spoke with someone who advised our account had been forwarded to an attorney and would need to speak with them to move forward.

I contacted PHH Mortgage Company concerning my mortgage account. Erica was very helpful, professional, answered all my questions, put me on hold, did not keep me waiting and sent me in the right direction.

I am a struggling American. Like many of us. I am a payment behind and treated like my home is going to be foreclosed on. I receive certified letters constantly. I even have total strangers in unmarked cars and no uniform putting hang tags on my door telling me PHH needs to talk to me. Never have I received 1 phone call from PHH. Never. I feel harassed. They have list payments. Given me and my wife incorrect payment information on numerous occasions. Never can get to someone higher in the chain of command than the person who answers the call. Says I have my own agent that would work with me which is a lie.

I took over the mortgage with my divorce. I started making the payments in October 2016. I make half a payment every payday (get paid twice a month). All of a sudden, in May, I get notified that my payment is late and a late fee was imposed. Impossible. I call, after an hour on the phone they tell me that the first half of my payment was applied to extra principal instead of to my payment. They will reverse the fee and reapply the payment. They reapplies the payment but didn’t reverse the fee. I call again. Another hour on the phone.same thing. Following month the same thing. At this point I’m pissed!! I call asking for a manager. I’m told everything was fixed.

We have had a mortgage through this company for a very long time and have made timely payments every month. This month we got a statement in the mail with a late fee assessed requiring that we send out a payment for two-month's worth. When we called our bank to check on transaction history it turned out the check had cleared under PHH Mortgage. After calling several times and finally getting someone who seemed to know how to do her job, we figured out that our payment was applied to the wrong mortgage (they do not know which account number) and someone else’s check was applied to our mortgage. She directed us to get a copy of the check from from our bank in order to see who’s mortgage we paid for so that the transaction could be reversed.

They don't understand people. It took literally 10 calls & 5 emails for them to change my mailing address. Now here's to fingers crossed that my payment is reprocessed correctly after they goofed when I paid it 4 days early paid. Gggrrr.

The customer service representative was extremely helpful, was very easy to talk to and quite accommodating. She agreed with me that the PHH website WAS NOT user friendly when it came to designing a password. Otherwise, the experience was positive.

Updated on 02/12/2020: The only way I can get PHH Mortgage to respond to my emails is to write on Consumer Affairs. This company took two months to respond to an emailed dispute, refuses to contact me via email as requested (I have 25% hearing and have great difficulty hearing on a telephone). Not an issue with other creditors. I had been behind in my mortgage and have recently caught it all up. PHH Mortgage has locked my online access to my account and does not respond to emails. They refuse to accommodate someone with a disability. PHH, I know you see this, do I really need to file a complaint with the Attorney Generals of Ohio and Pennsylvania?

Our mortgage was transferred from Ocwen to PHH. We decided to refinance as our loan is adjustable and payment recently increased. Simple rate and term, no cash out, thought it would be a fast and easy process since they already service our loan. We started the loan application on June 27, 2019. The loan officer locked our loan for 90 days, which should have been a red flag, but didn't think too much of it at the time. I asked not to have an appraisal done until the loan is approved, just to be on a safe side as it is $550. I was told that as long as appraisal is not done, we will get the $550 back if something doesn't work out. Well, mid August, we still do not have an approval which was promised a month earlier.

SO we gave been in our house paying our mortgage for 15 years now through Ocwen. The last 5 we paid $50.00 more that we had instructed to go towards principal. We then started getting calls through the name PHH. We were told we were a month behind. This was 2 weeks ago. My husband explained the situation and was switched to a different department and they fixed the error. Now we have received a notice of intent to foreclose and they are expecting us to pay 2 months by the 1st. I am at a total loss. My husband will be calling them today so if I am able to update I will.

Does they said I missed my April payment (I didn’t). Then they said I missed my February payment (I didn’t). Now they say being one month late (I’m not) they’re going to foreclose. This company 100% is trying to steal homes. They need to be SHUT DOWN and held accountable.

Updated on 10/01/2019: I wrote a review not too long ago in hopes that it would help us clear up the troubles we were having with the company. Within a couple days I finally received a phone call and was able to inform someone that we had sent our payments and they were just not getting processed. I felt like she heard my concerns and was ready to help. However, I had to repeat myself day after day and spending hours on the phone. I was asked for proof of the payments and I sent copies. Each time I would still get the answer that we were behind in payments and in order to avoid foreclosure would need to pay in full. Very frustrating! I finally gave up and sent in one large check for all the months due, in return asking for my previous checks to be returned to me. Some were returned but not all.

My mortgage was with Ocwen for 12 years without a problem. For the last 2 years I had direct payments taken from my account every 2 weeks, with a little extra to go to principal. Worked perfectly! Yes, there were a couple of extra payments each year that would go completely to principal which we were very happy about. I tried to adopt the same process with PHH. I immediately found that they had no way to make bi-weekly payment, only payments set to a certain day in the month.

My family and I lost our home July 2018 in the Carr Fire. Through all the sadness and frustration we finally started rebuilding our home. Of course with ever build/rebuild there are complications but we managed to make it through those until Ocwen switched to PHH, they lost a $58,000 check causing our home to be put on hold and our family without a home for even longer. No matter how many times we call no one helps or lets us talk to a higher up manager or anything. This is not a way to treat anyone especially those trying to recover from losing their home.

PHH is helping me with my home and they are ever understandful because I am a disable veteran so once again I thank you and may God keep blessing you all and keep on doing what you all doing for helping me. Jack

I have been working with the HAT and MOD team since January 2019 on a modification. The process has been very time consuming and frustrating for me. I can never get a straight answer or resolution. I am told my home is in sheriff sale but you can apply for a modification. So I did. I have sent in every piece of paperwork they ask for on time. The response I get is, "Please send in information. It is outdated," then I am told I was not received on time. I have all my dated emails and faxes that my information was received. Then I am told the underwriters need 30 days to review, so the sale date is extended. I send my information in, then told house in sheriff sales, but send in information for review. This is a horrible circle with no resolution. I hired an attorney, he has not received any call or emails back. All I want to do is keep my home.

My loan was transferred from Ocwen in June to PHH. I have had nothing but poor customer service. The principal is incorrect and each time I speak to someone, I am told that the issue will be noted and filed as if it is the very time I made the call. I have made a minimum of 4 attempts to get the issue resolved. The last person I spoke with would not identify herself and hesitated to give me an email address or fax for me to send pertinent information. It is about to be September, too long to not have a resolution!

My mortgage was sold to PHH from Ocwen (another story). Apparently, my payment was increased by $17 a month due to a shortage on my escrow account. No notice went to me, so I am making my normal payment. Well PHH holds my payment (which is $3475) and doesn't apply it until the next month when I make my payment again. So I have this rolling late of $17, then $34, then 51, etc... I pulled my original note and nowhere on there does it say that I need to pay more than the principal and interest payment due $2097.68. So I don't even know if this is legal, to mark me late for a shortage on my escrow account, and reassess it, and not notice me.... According to the note, the principal and interest payment is to be applied first. Not sure where to go from here, but the escalation manager apparently owns the company since she said she did not have a manager.

We didn't have a choice coming to PHH. We started our loan with United Community Bank. They sold us to Ocwen. Although not thrilled about Ocwen we never have a problem. Now we are currently with PHH and we have called over five times to get them to send us a statement of our account with them. I had electronic account with Ocwen. However I am unable to set anything electronic up with PHH. I cannot get in my account to look at it and I cannot get anyone who speaks English well enough to understand that I want a paper statement every month.

I’ve been calling to receive my payout so that I can close on my house and yet I haven’t received anything. I’ve been calling and keep getting the run around saying they would call me the next business day because their mortgage specialist is not available and they are the only ones holding us back on closing on our house. Worst mortgage company EVER!!!!

As I just told them: I sold my home and paid off my mortgage in full with PHH. I saw on Credit Karma that the account was sent in to the credit companies as “closed”., not as “Paid” or Paid in full”. This caused them to reduce my credit rating by 42 points. I am very concerned about this and would appreciate it if you would correct this as soon as possible. Please note my new (current) address, phone number and email.

This company has failed to draft my automatic mortgage payments for at least 4 months now. I've caught it in time the first 3 incidents and have made the payment before it was late. That was until last month. Each time I'm assured that the next month my payment will be drafted without issue, and each month they fail to do it. I should have known not to trust the payment would be drafted since they failed me so often. Each month a customer service rep tells me with more certainty that they can see I'm enrolled in auto payments, but can't explain why they fail to do it.

So the gentleman put me on a brief hold so that he could verify this with his boss. Very soon he was back with me to explain that PHH would indeed try the payment once again.

Ocwen transferred my mortgage to PHH. All was fine until I received a call today Telling me they are trying to collect my Aug. payment. So I check with my bank, as I make payments electronically and had no problem for the months leading up this. My bank showed the payment was made on the 2nd of the month. Then the caller looked up my payments and found they had applied it to some other account making my account late. She would not tell me where it had been applied, just that she would correct the error and that I was not late, and hung up. I do not trust these people and would not recommend them to anyone.

Updated on 12/04/2019: I was a customer of Ocwen, which I never had a problem. Then PHH came into the picture, they kept sending me refinance information. I started the process in August, it took 3 weeks after my initial call for someone to even get back to me. They said we qualified for a VA loan, which I questioned because my husband had less than a year of service. They said it will be fine. The rules are you must have 2 years of service. After 60 days, they came back and said it was denied. There was NO communication during this time. I sent at least 5 emails for updates and called several times, no one would respond. We started on the regular refinance.

I tried a few times asking them for rules on closing an escrow account, they never respond to me. They won't let me close my escrow but not specify any reason. During my initial request of the cancellation, I was told on the phone that I should be allowed to close it - my payment history is in very good standing. This is an irresponsible and irresponsive business just trying to hold more money from the borrower. DON'T EVER DO BUSINESS WITH THEM!!!

Ocwen acccount owner and do not have an official completed trial modification. In February 2019 I was approved for a trial modification beginning first payment April 1, 2019. Under a trial modification I have until the end of the month to submit the payment. The account was transferred over to PHH on April 10th. April 30th I went to Western Union to submit my first payment and spent this time on my lunch hour, after 5 attempts Western Union would not accept the payment stating it was the wrong billing account number that PHH provided on the package I received in the mail. I called twice while trying to make this payment and the service at PHH was horrible.

My mortgage was transferred to PHH in June 2019 from Ocwen. It has been nothing short of a nightmare dealing with PHH. Customer service phone number always has a long wait. I've been dropped multiple times after being on hold for 10+ minutes to only have to start process over. Sometimes put on hold and no one ever comes back on the line! Paperwork and processing for modification was delayed due to transition, credit reporting has been inaccurate for months and has seriously impacted our credit history. Multiple emails and faxes have been sent with credit reporting agency documentation and there has been no follow-up communication from PHH.

Updated on 01/22/2020: My loan was transferred to PHH during a modification. I finished the trial payments and made the first regular payment and PHH randomly changed my payment. After countless calls that got straightened out and I’ve been paying monthly. Now PHH says I’m 5 months behind when I am current. Nobody can help and it’s affected my credit score.

I don’t even know where to begin with these people! The customer service provided over the phone was a complete sham. The employees did not want to do their job so they kept passing the buck and transferred me multiple times to Multiple people, the manager included. She acted as if there was a bad connection and could not hear me all of a sudden when my connection with her employees had been just fine 5 minutes prior. I don’t know what kind of game these people are playing but it’s a joke!

To try to get a loan modification from them is impossible just as bad as their affiliate company, Ocwen. I got a verbal approval from Ocwen and then they transferred me to PHH and I had to start over again. Only way to force them into a loan mod is in bankruptcy adversary motion.

They applied the entire check to the principal instead of the June payment. PHH now says that they can’t apply it to the June payment. They must leave it as applied to the principal. This is ridiculous as I don’t have extra payment money lying around. They said I could make it up by paying extra each month. Why? Ocwen messed up. They need to fix this. THIS IS WRONG!

Absolutely horrible. My mortgage was sold to PHH on November 15, 2018. In February 2019, I started a long modification. I send as all the documents requested by them as 3 times each, I make about 100 calls and six months later they told me that my request is no longer valid that I have to start over. These people have no idea. I'm literally writing this in tears. I don't know what to do anymore. This is awful. I feel nervous every time I call. I feel frustrated with this situation. I don't know what to do. I'm desperate.

My deceased mother's HELOC was transferred from Ocwen to PHH. The deed to the home is in my name and has been for years. I am going through a Refinance for the property and PHH REFUSES to provide a payoff/closeout to me or to the title company. After weeks of calling multiple times, being left on hold, to only have their system drop the call, speaking to multiple incompetent employees who all have different instructions to which I complied with them all, PHH STILL refuses to simply provide me with the needed documentation to PAY OFF the HELOC. What company does not want to be paid?

We got a letter from Ocwen stating that PHH would be taking over our loan June 1, 2019. When I tried to get on the PHH website, it kept saying my social and account number didn't match. Then I got locked out. I finally got in touch with them and they unlocked it. In the meantime I couldn't make a payment because I couldn't figure out how to get on the website, which I was already late on my payment. I never received any phone calls or anything to try and resolve the problem.

I paid off my mortgage 6/14/18 but never received a release form so I could get the deed to my property. I did call someone in the Reconveyance Department 4/29/19 but nothing happened. I spoke with Barbara (**) last week and she was simply wonderful. Professional, supportive and deserving of an award for customer service above and beyond expectation. You are lucky to have her working for you!

I have Power of Attorney of my mother account since 2014 and now they are saying I don't have authorization of her account, I just spoke to a customer service rep on 8/9/19 and they showed I have authorization on the account. I made a payment in June and July and have confirmation numbers and bank statements that show payment was collected, and they're saying no payment was received. Every time I call I'm told I need to speak to a Relationship Manager and I never can reach a manager. I've called over 10 times and never get to speak to a person who actually can help resolve my issues. This needs to get fixed. All these reviews seem to tell consumers to stay away and beware. I wish I could get someone who could actually tell me what's going. Please advise ASAP.

I would like to express my deep appreciation for the superior effort provided by the agent who I spoke to in relation to my account with PHH. The gentleman was very kind, courteous and he had responded to all my questions that bothered me for quite a while. Thank you for your hard work in searching for the answers to my questions. I was so highly satisfied.

When I contacted customer service and told them the problem I was having, they quickly and professionally solved the problem assuring great customer service the whole way. It was quick and painless. Great company.

PHH Mortgage did contact me and resolve my issue in a very timely manner by paying me my money back. For this I thank you.

This company took over our mortgage from Ocwen who was excellent to deal with. We set up automatic payments with PHH to debit our account twice a month for our payment and received a CONFIRMATION LETTER FROM PHH verifying this. Every month I have to call to have our payment taken out of suspense and applied to our account.

We have been trying to get PHH to sign a replat for over 5 months. Our neighbor put his house up for sale and during the survey found that the property lines were not marked correct when both of us built and part of his house was built on our property. We were just getting ready to put our house on the market and move as well. We hired a state certified surveyor to work up a property exchange to give them a portion of our lot in the front section in exchange for an equal amount in the rear of the lot. All was drawn up by the state certified surveyor. The documents were drawn up were approved by the county and prepared for us to send to our mortgage companies. Our neighbors was signed off by his mortgage company in less than 2 weeks.

Updated on 09/27/2019: Our family was APPROVED for PHH Loan Modification, received the packet 9/18/2019, we were instructed to return signed docs by 9/30/2019, we visited the notary 9/19/2019 and sent docs certified mail with signature received at PHH Loan Servicing 9/24/2019. Our family has yet to be notified by anyone after several emails sent. My husband is a disabled Veteran who has recently been diagnosed with cancer and we need PHH Loan Servicing to update our loan.

Very professional polite staff who assisted me to resolve a financial matter with a positive outcome. Their professional advice was most appreciated. They helped our family find relief during a very difficult situation. They took their time making sure I was happy with the resolution. I would highly recommend their services to my family or friends.

I'm one of many that was transferred from OCWEN. Was experiencing issues attempting to login thru OCWEN and experienced more issues attempting to navigate PHH website. Contacted PHH customer service. Wait time was minimal and the service was excellent. Rep took time to walk me thru and enable me set up new login info. Thank you for a pleasant experience.

Made a payment on Aug 1st. It is now the 7th of Aug and the payment still hasn't posted to my bank account. After multiple attempts to reach out and sort the mess out, I was instructed to FAX and hopefully someone will reach out. I HAVE NO CONFIRMATION ANYONE IS ACTUALLY DOING ANYTHING WITH MY ISSUE. PHH claims the payment has gone through but it does not reflect in my account. This needs to get fixed. All these reviews seem to have the same theme... Beware...and stay away. I wish I could get someone who could actually tell me what's going on. This isn't some simple return and recharge. This is a lot of money to some people and this could really put others in bad situations. Yes my statements are up to date but it did not come out of my account. Please advise.

PHH Mortgage is the worst company I have ever dealt with. I only have to use them for now because my mortgage got bought by them. Their attitude towards customers is terrible, their customer service agents don't keep a record of every time you call in, and in the rare occurrence that they do, they lie about what took place during the call. I've called in 10 times to get something addressed, and every single time I get a conflicting story from someone that I speak with.

PHH mortgage took over our loan from OCWEN. Everything was going fine and then it starts. We start getting late marks on our credit in June. Even though our payments were made on time. Called and of course get the same runaround. Not sure why this is happening. Cannot get any answers. We have our online payment confirmations for all of our payments but here we are. August payment is due by the 15th and they have marked us late for August. This started in June and that one was fixed but July and August. Here we go again!!! This is literally exhausting.

My loan was recently sold to this company and so far my experience with them has been horrible. I did not receive any information from them until I called and asked for it, they charge a fee for online payments because it appears that this is an overseas company. Their customer representatives are not familiar with the questions I asked when I called regarding my PMI, they put me on hold multiple times to tell me things I already know and I was asked to call back because the “specialist” could not take my call. When I asked for a direct number to the person they said that I still have to c go through their customer service line first. I’m looking to refinance with another company just so that I can get out of doing business with PHH.

My mortgage was transferred to PHH with very minimal notice last month. At the same time, my insurance agent closed shop and sent my policies to different agencies. Prior to the mortgage change, I received a notice that the insurance was going to be renewed and paid by the mortgage company. I never heard anything more until PHH notified me I have no insurance on record. In fact, I wasn't sure who they were since they weren't who I was paying my mortgage to. During this time, my new account at PHH wasn't updated so I had no idea that insurance payments were not being paid by PHH.

I took a loan out almost 20 years ago. It was a straight second mortgage and therefore didn't need anything extra. This was 18 years ago for 26k. Here it has been almost 20 years the balance still stands at almost 20k so something isn't right. I have paid almost 65k for this which should make the balance almost gone. I started researching last night about Ocwen and how they added things to people's mortgages without their consent and not crediting payments, etc. I guess I will have to consult an atty.

Like so many others on this website, my mortgage company was bought out by PHH, effective July 1, 2019. I paid by check in the transition due to the letter they sent, and, for 2.5 weeks, the check wasn’t cashed. My bank stopped that check for me, I ‘overnighted’ another one 5 days ago with both July and August amounts for my mortgage, and I’m giving the overnight one more day before stopping this one. I have 3 weeks before my 60 days of grace for transitioning are up. I’m beginning to feel like they are setting me up to fail and that my stellar credit score could be affected due to their incompetence. I also called a PHH ombudsman # that I was given last week, no return call. I’m likely going to refinance, too, despite the hassle. I’ve gone through mortgage buyouts before with little to no trouble. By comparison, this is nightmarish, and I’m petrified. I’m hopeful that they will cash my check tomorrow. Sigh.

My 2nd loan was with Ocwen and they were very easy to work with. Then they got bought out and my loan was put with PHH and I was disappointed as we were selling our home and only had 2 more months as our home sold fast. I could never log onto the website and was calling to check the payoff balance and put our new address if there was a difference of too much being paid or not enough. As it is, it will be a little overpaid. When I call it takes forever to get through to a person and they 1st people are never able to help and they always have to transfer me to a 2nd group. 1st time was cut off when transfered. 2nd time when when they pick up bad connection. 3rd time I got through and was almost done when we got disconnected. Here an 1 hour and 1/2 later I am sitting and waiting again....very disappointing in their customer service.

Can you say greedy? I sent a payoff based upon their customer service quote and paid off my mortgage 7/3/19. The payoff quote I received stated it was valid until 7/1/19 even though the conversation had taken place several days after that. Then, in spite of having almost $90,000 they made escrow payments on 7/8/19 so I sent them THAT money for the escrow shortage. They credited all the money on 7/16/19 instead of marking the house paid off before the final auto-draft so they could draft yet another payment and sent me a measley $380 back instead of not drafting or refunding my final payment.

The problem is resolved but took many calls and a lot of miscommunication by first line staff. They did finally respond with upper management to solve the issue. I have updated my rating but it was time consuming to get it resolved.

My mortgage was transferred to PHH. Every time I receive my mortgage statement I pay it within a week regardless of the due date. Apparently this caused me to overpay. Instead of PHH crediting my account for future months they arbitrarily posted them as principal only payments. This despite the fact I included their payment coupon with every check and at no point designated the payments were principal only. I spent a ton of time on the phone trying to get it straightened out, even talking to a supervisor. No luck. I'm currently looking at my options to resolve this situation. The State of Oregon appears to have some rules to protect us, so hopefully I can get some assistance without hiring an attorney.

I am nearly done refinancing with a different lender. On July 9th, 2019, our signed authorization was sent to PHH for release of our Verification of Mortgage (VOM) to our new lender. They were told they could expect it within 7-10 business days. Within a few days of closing (July 30th) it was discovered that PHH never did furnish Verification of Mortgage. PHH wouldn’t respond to inquiries. My refi company asked me to call PHH since they would not respond to their inquiries and have them fax the VOM.

The foreign representatives are hard to understand and do not understand off script issues. Ocwen had an option to be connected to a state side rep when I call. When I call PHH option 6 does not work.

My house was flooded and made inhabitable by Hurricane Florence in late September 2018. Originally, Ocwen had my mortgage after the flood damage but it was transferred to PPH later. FEMA was prompt and good getting my claim settled and paid and an escrow account was set up by Ocwen. However, getting reimbursements from PPH has been a nightmare. Ocwen told me they would reimburse me as I made payments to my contractor and not have to be triggered solely by inspections. PPH, after I paid and submitted invoices for $47,000 (only a portion of the total cost) declared an inspection was needed.

I can’t wait to refinance my home with another company. My account was transferred from Ocwen to PHH. I made my June payment but they claim they didn’t receive it. I have my bank statement to prove it. This really is frustrating.

Have tried to get on-line with this company since Ocwen transferred our mortgage over to them, Today we called 3 times at approximately 1 -1/2 hours each time, still not registered. And repetitive questions. Not happy with customer service or the computer generated secret password (as it did not work). Got reset and got booted out till it locked up the account.

Had Ocwen for years, great company. They consume PHH in a merger, not so great company. Website is terrible but no real bad experiences until we had to notify of a loss. A small fire turned into a HUGE ordeal. We spent our savings fixing the house as a result of the fire thinking it's okay the insurance company will pay us back. While PHH pays the insurance it is my money they pay with. Now here we are, broke, two months AFTER the fire, almost one month AFTER the fix, and PHH has the insurance check. They don't approve of the company that did the claim inspection (Allstate uses a preferred vendor and just incorporates what they find into the claim estimate and payment). Today I log in to see if there is anything on the website (which is lacking) to find out how to pry this check from PHH, and now it's not PHH. It's NewRez. What? Who is NewRez?

Loan agent very responsive when going through the process of locking down a refinance. After all paperwork was complete, appraisal done it was virtually impossible to contact not only loan officer but I experienced 45 minute wait on phone when I tried to get information from someone else. I finally contacted someone else (short wait time this time) who tried to connect me to my original loan officer but advised me he was unavailable. He then tried to connect me with my loan processor but was unable to connect and advised me the loan processor said they would call me back within the hour. I held off submitting this for 1.5 hours and have not received the promised call back. Just starting to wonder. When the lender was Ocwen this didn't happen.

PHH started servicing my mortgage in February 2019, Ocwen which was my previous mortgage company forwarded my Feb payment to PHH. I started paying PHH through my bank on 03/01/19 by sending them a full mortgage payment. I then started paying them bi-monthly like I had been doing with Ocwen by sending a payment automatically on the 15th and the last day of the month. PHH managed to apply the funds correctly for April and May payments. However, when June rolled around I started receiving mail and phone calls stating I was behind on my payments. What I came to find out is any payment I started making around the 15th of each month was being credited as a payment towards the month prior.

I inherited my Mother's home. I paid the mortgage for about 1.5 years prior to running in hardship. I applied for a modification. The original balance was 54,000 and 1 year later and a modification later, they added over $25,000 to the original mortgage plus added a Balloon payment provision of $33,000. This takes the principal balance up to $112,000 plus a 4.25% interest. This really sounds like predatory practices.

I was with Ocwen and was on a Loan modification for three months before it transferred over to PHH Mortgage. Mind you it took us 5 years to get Loan Modification with Ocwen. On June we received letter saying our mortgage was sold to PHH. When I set up automatic payment was never taken out because of that our Loan modification was dropped. I set up automatic payment in July and rejected again did it for Aug and rejected. I called and been on hold for over 30 mins and nobody. I don't know what else to do but someone help. I'm not losing our home because of errors Ocwen caused and now PHH is just as bad on not answering emails or refuse to talk to my wife who is on the paperwork. I know I will get a message on here saying someone will contact me but you will not. Who can we contact in regards to this issue.

Called Ocwen in June as to why our auto payment was not taken out only to be informed our mortgage was sold to PHH. Called to find out about payments and was told we would be notified by mail. All we received were notice that our paperwork was finished and our Ocwen Loan was closed. Still no Statements or Loan Payment Book from PHH. Today is July 30. We are now going to contact The State Att. General's Office. Something does't feel right.

We had our mortgage transferred from Ocwen to this joke of a company. I tried to set up an online account to pay my mortgage and could not. I called in and was told that because we are in a Ch 13, if I didn’t want to mail my payment in, I could only make phone payments. I was not allowed to pay via online. I have made a couple payments this way and although I do not enjoy talking to people who do not speak English very well and are clearly reading from a script, payments were made just fine. Today I called in and got transferred to a "specialized department" who handles Ch 13 accounts. The RUDE specialist informed me, that I have to call my attorney and have them send a consent form to them to be able to tell to me about my mortgage, even though it was transferred to them via ocwen. I was told that I could make a payment and that was it. I told her that was all I wanted to do at this time. She asked me the amount I wanted to pay.

We have been dealing with PHH's mortgage assistance department for 2 years and have jumped through hoop after hoop after hoop only to be strung out further. PHH will not accept payments because we fell a month or so behind and require the balance in full in order to accept it. Flash forward 2 years later...we owe $78,000 and PHH continues to string us along....sucking our home's equity away each month.

Mortgagequestions.com, PHH's website for accessing loan information is awful! I have spent the last hour trying to login only to be taken in circles. I looked online to see if the site was down and found out that it has systemic login issues. PHH, please fix your website if you're going to use it as a primary means for customer access to account information.

PHH bought my loan from another company. PHH charges almost $8.00 to make a one time payment online. My previous Mortgage company didn’t charge for this. This is a blatant rip-off. Maybe it’s because they are connected to Western Union. I want the ease of paying online but the control of not making it an automatic payment. Very Unhappy and unimpressed with this.

In Feb 2019 our mortgage was transferred from Ocwen to PHH and since then we have been living nothing short of a nightmare with this company. To begin our first payment in Feb didn’t go smooth. It was sent and I was told that it was it received as I had received a letter stating such. After the lengthy wait on the phone to speak to a person I did finally get them to figure out that my payment was there and had processed. Thinking I had no more to worry about I did not open mail from PHH for the next couple months which turned out to be a mistake for me because my March payment due the first had processed but my April payment arrived the end of March so it was all applied to principal making us be missing a payment for April. I did not realize that until I opened a letter June 26 and saw we late then opened other letters to find they said the same thing.

My mortgage was transferred from Ocwen with no warning. I have been trying to make a payment online for over a month. None of my information works in their online system. Also their links to change passwords do not work. Very very frustrating. My payment is late because of this. My credit score has been affected. Reading all of these negative reviews is very troubling. I just want to make a payment. Also I have. It received a statement in the mail either.

My mortgage was transferred to PHH a few months ago and this website is horrible. I can't understand how it's always down. It's very difficult to login. I have tried several times to call but customer service is not what it should be. I have emailed them several times with no response. Every time I try to go to the website there is an error message.

The website has been down all weekend. If you find that your mortgage is being sent to PHH, my advice would be to refinance. PHH and Ocwen treat you like you are delinquent as all communication contains the wording "this is an attempt to collect a debt". Ocwen started that and PHH is continuing it.

My mortgage was serviced by Ocwen and got transferred to PHH mortgage. Ocwen send me instructions where to send my payment. I send my payment and wrote my loan number. And guess what they converted my check to ACH and cash the check and applied to wrong loan. I have proof because I have duplicate copy of my check. I tried calling them giving me a runaround directing me to an escalation team but until now they didn’t resolved the problem. I reported this company to the Attorney General in California for doing fraudulent activity!

Like others have stated I was with Ocwen and my mortgage was transferred to PHH. Customer service is horrible. You can call 3 times in a row and get 3 different answers. Takes an unbelievable amount of time to get through to customer service. The Ocwen website was awesome but the PHH looks like something a grade school student put together. My account with Ocwen was bi-weekly payments. PHH is attempting to also give me bi-weekly but within 2 months they've already screwed it up.

Hurricane claim disaster. Our mortgage was transferred from Ocwen not long before Hurricane Michael damaged our home. We thought getting money from our insurance company would be a battle but it was nothing compared to the hoops PHH is making us jump through. They are holding onto our insurance money. We have had to front the money out of our private savings to pay contractors only to get slowly reimbursed by PHH. This company should be ashamed they are treating disaster victims this way. I have called customer service several times to no avail. Frustrated that our account was ever sold to PHH.

Hello, I had been on the line yesterday for 43 minutes holding and being transferred and then once I was being directed to a supervisor I was conveniently disconnected. I am requesting my phone call from June 19th be pulled as I was told my account was still active due to an agent in the beginning of June taking my bank account number down incorrectly causing my payment to not go through.

Sold my house, paid off the loan with PHH on 5-1-19. It’s now 7-26-19. I still haven’t received my refund of over $3000. We have called them, they have said it was in review and a check will be issued multiple times.

My Ocwen loan sold to PHH. Nothing but a nightmare, ever since. Was always able to get onto Ocwen site & make my pymts in less than two minutes. With PHH, I have spent anywhere from 1 1/2 hrs to 3 hrs, every month trying to pay via their website which never recognizes my loan # or password, no matter what avenue I try to get in, to pay. Then, always spend additional 45 min to an hour with Reps who try to remedy the issue and never can. The Reps are nice. They try. But, this company is dysfunctional in not providing a means to easily make your pymt.

Asked twice for a payoff statement. All that I received was a call from a third party that knew about my request and wanted to sell me a new mortgage. How can I get a payoff statement? Regards, William **

Ocwen loan transferred to PHH. Terrible. They do not return your calls, will not take your payment. They keep saying you will get something in the mail. We've been trying to pay our loan for a month and we keep calling and now they referred us to an attorney... really? I see they just settled a lawsuit for all the same things that are currently being written on this site. Shame on you PHH. We will be contacting our own lawyer. This is not right.

Loan Depot transferred my loan to PHH. No communication from Loan Depot or PHH that my loan was transferred. I only learned of the transfer when I tried making my mortgage payment over the phone to Loan Depot and it wasn't accepted. Then I get a recording from Loan Depot about the transfer of companies. So now we are toward the end of July and still no mortgage statement from PHH. So I speak with a rep and English is not their first language and so it is difficult to communicate with him and then he hangs up on me.

My mortgage was transferred from First Union. About 10 years ago Ocwen started to charge me this flood insurance which is not in my mortgage documents as required. So Ocwen charges this crazy fee for forced flood insurance that is not required. No one ever could explain why. In addition the escrow has always been screwed up. Always a deficit (but First Union didn't have this problem). Now I have had my hazard insurance paid through payroll deduction for 12 years now. PHH is charging me the same exact amount and then the best line item on my account summary is OTHER and that totals $345.72 per month! Almost my P&I amount! Why can't PHH get it right? I can't stay on the phone for the hours it takes to get anything done. If I could give zero stars I would. I fully expect this to be deleted.

I had a previous account with PHH, Recently I found out I overpaid in taxes, Az. Treasurer sent half to new lender and half to PHH who said it went to new lender. Over 2 months and still not received.

It was a good experience, with professionalism and respect. And giving customer the time to meet their demands. I am a new customer with no knowledge of the new transition, but PH Mortgage is fine with me. In advance, Thanks for the service, Grace.

I've had a current Mortgage with Ocwen for YEARS with no issues. Loan gets transferred to PHH and that's when the ** hits the fan. End of May before the loan gets transferred, I mail a payment to Ocwen. Ocwen is supposed to transfer the payment to PHH. 3 weeks later and multiple calls later, check is not there. I put a stop payment on the check and then call and make 2 payments for June and July over the phone. I specifically tell the rep (Always India or Philippines) That this is not a payment PLUS a principal reduction but TWO payments. Still no statement by the way.

So my wife had issues with Ocwen. They would take our payments and put them in a suspended account and at one point an operator told us to hold off payments to supposedly clear it. Well now we are with PHH and they now want $5000 over the total. We were happy to pay $12,000 to cover the previous balance and at first they agreed to help but then, on the same day, they rescinded and won't accept our money. We are now contemplating bankruptcy. NO FLEXIBILITY WHATSOEVER!!! I WOULD STRONGLY RECOMMEND GETTING YOUR LOAN OUT OF THIS MESSED UP BLOOD SUCKERS..

My mortgage was transferred from OCWEN to PHH in May 2019. Since then the Customer Service is terrible, extremely long hold times and a number of times my call was disconnected. I have an ongoing Web payment issue with the One Time Payment, I have emailed web support a number of screenshots of fields that are Non Editable specifically the Payee Account Holder Name. I am afraid since this is connected to Western Union that when they see the main borrower name with my checking account my bank may bounce my online payment. I still have been unable to resolve my issue, No one at PHH cares to resolve. Instead of resolving Customer Service reset my account so I had to reset up the account again with a new password.

I am sooo stressed with PHH/NewRez, not even sure which it is everything says something different. Ch 13 on my account and never a problem making a payment, dont you want the money or is it that you prefer more money if you can jerk people around and make more on a foreclosure?? Constant long 20-30 minute hold times at least, but I can make the payment, AT LEAST until my call today, now my only option due to a policy change is snail mail, and what if payment gets lost. Not so sure this rep knew what she was talking about but am I calling back for another 19 minute hold? UMM NO! There was no notification of this policy change either, WILL NEVER recommend this joke of a supposed mortgage company, thats for sure!!

I waited the recommended 90 days for a legal document. When that deadline passed I requested an update on PHH messages site on June 26th 2019 with no response. At that time PHH is in violation of state law. I wrote again on July 10th and still no response as of July 22nd 2019. I hope this review will generate some activity. I am sending a hand written request by certified mail today to further document my plight. I do not understand the lack complete customer service.

My mortgage with Ocwen closed and was paid off on May 24, 2019. The account was closed prior to the June 1 date of PHH joining forces with Ocwen. I started receiving correspondence from PHH in June. Why? I have no idea. I received a letter from PHH in June stating that my account was behind, so I contacted their customer service department and explained that my account was paid off and closed. I was told that they would review my account. What did I receive you might ask.

PHH bought our mortgage from Loan Depot and made it one big headache for us, 1st when you call them your talking to somebody in the Philippines who wants your SS#, Banking info and tells you all is fine. Trust me it's not. Gave them our 1st payment, even though we were set up on auto pay they couldn't do it, through Western Union and within 12 hours 3 separate transactions had to be put on hold. All our info was stolen. Would not recommended this company to anyone, stay with American companies that use Americans.

My Ocwen mortgage was transferred to PHH Mortgage June 1, 2019. I am in an active BK Chapter 13 for the last 3 years and made my payments monthly online with Ocwen. I could monitor everything related to my account online with Ocwen. Along comes PHH Mortgage and the rules changed. I have no access to my account online. It took 4 days to get through to someone in June 2019 to make my payment with PHH. I finally got someone to take it over the phone. I was told that I should be able to make payments online once they get all account information transferred from Ocwen. I attempt to make my payments online July 2019 and still NO access to online - for anything - to make a payment or just to see how last month's payment was credited. Another 4 days of phone calls to PHH, and it's like hitting a block wall. Every person I spoke with could not take my payment online or via phone due PROCESSES??

Updated on 08/16/2019: The Escalation Department calls my number, but when I answer they will not say anything. Just hold the line while I say “Hello” repeatedly. If their call are monitored, they should have a record of this. When I call the number back, I can’t get through. This is all talk and games to this company. They have no intention of helping me. I still have not received paperwork in the mail, that I was told would be sent to me to be assigned a financial counselor.

Updated on 11/06/2019: In July 19th I posted a review regarding PMI being added back to my account even though the balance less than 40%. Though the original review shows a response by PHH, it does not show all the communication detail, so I thought I would update the information (though I am unable to update the original post). They refunded the PMI on 8/8, then charged me again on 8/28. They said they "escalated" my complaint and I received an email on 9/6 stating the PMI had been cancelled and there would be no more charges.

Prior to OCWEN selling my mortgage to PHH husband had stroke. Requested two month forbearance and got nothing but a runaround with them saying that they could not do it since they were transferring everything to PHH. Insisted PHH would be extremely helpful, even have this in writing via email from OCWEN. Still waiting for paperwork that was stated to be mailed to me beginning of June. Tried to make payments to PHH via online, returned. Via mail, returned. Trying to contact on website, states page not available. Tried getting paperwork or any other documents but states under review that nothing can be done until review completed. Meanwhile my payments keep getting returned.

My mortgage was recently transferred to PHH from New American Funding. It was honestly kind of scary when I started seeing some of the reviews online (a transfer is scary in general) but the transfer went very smooth and all payments have gone through perfect and to the correct departments. This is a huge relief when it came to something as important as my mortgage. Customer service has been helpful with all my questions and all details given have been 100% correct. The online system is easy to navigate... honestly easier than it was with NAF. Thank you PHH for my new peace of mind.

My mortgage was just transferred from Ocwen to PHH on April 1, 2019. I am writing to you today to explain about the bad experience, I had with the refinance department over a month this week, I applied to refinance online. When I first applied I figure it will take at least 72 hours for someone to call me back. That was incorrect, it's been a month. Isa ** left me a message last Sat. I have called over 22 times. I called again Monday. They advice a manager will return my call in the next 24 hours. It's is now Thursday I just called. I believe that the response today again was no one else available to take your call. She tried reaching by Skype NJ OFFICE - NO managers in the office. I will call other banks to refinance at this time. I don't think it should take 25 calls and no call back. This is horrible services. I trust that this not the way PHH does business and you will mention my concern about the incident.

My mortgage for my condo transferred over to PHH from Ocwen around the March time frame. Ocwen been paying my condo association fees without issue since 2014. I modified my loan last year, and condo fees were part of the agreement we made with Ocwen. In March, I was notified by the condo association that we were overpaying our fees and we had a credit. I immediately contacted PHH to have the amount adjusted. I faxed in the required paperwork to the number they gave me and never heard anything back.