Onity Mortgage Reviews

The website is down without any reason as to why, or when it will be back on. So, I currently have no way to pay, can't contact them either (attempts just get returned), phone hours are limited. It's built for browsers that I don't typically use. It's really hard to pay on time when I can't login or access the site easily.

I have contacted the DFI and BBB, maybe I need to contact the police? This company is literally stealing my money. They "misplaced" a 950$ payment. Keep calling me and saying I'm late on my payment, but no one can help me find where it went. I faxed them the bank records, they cashed all of my checks. But only have a record of 2. The next time they called me they tried to say I sent it to the wrong people. Umm the carbon copy clearly says PHH Mortgage and you guys cashed it sooo.... I sincerely think they are scammers.

Very HELPFUL answering All questions I was looking for. I do appreciate everything work out for me. On my behalf I'll highly recommend your mortgage company to friends and family. Thank you again for the help I received. Have a bless day.

Thank you for your promptness and excellent care in handling my circumstances. And please continue the great customer service shown me, and I will certainly be glad to tell everyone about how well you all treat and respect your customers. Thank you again and have a great day!

I refinanced my mortgage that I had with PHH. The new lender sent the pay off and PHH said they never received the funds. I provided the confirmation wire transfer receipt with all the information they required. I kept being hung up on and left on hold (sometimes 30 mins at a time). The escalation managers have no regard for your time and keep telling me that the "cash department" is doing research to find the funds. It's been approximately 13 days (9 business days) and my funds have still not been located.

I sold my house on 7/26/19 and there was an overpayment of $1500. PHH claims that the check was sent to me but I never received it, as it was sent to an address that I haven't lived at in 3 years! On my account profile and all of the closing paperwork, I had my current address but the check was not sent there. I inquired on 9/10/19 about the missing check and supposedly a check was being reissued. Well, after 6 phone calls and the issue supposedly being escalated to the escrow dept, I STILL do not have a check! I am beyond annoyed that is has taken 3 months, and counting, to get my check. Where is my money?!?!? Of course there won't be any interest in there, but if I had been late with a payment, you know darn well that I would have been charged every late fee and interest imaginable. HORRIBLE COMPANY!

We had submitted documentation for mortgage assistance trying to save our home due to some hardships we experienced, which PHH Mortgage took over our loan this year 2019. We had submitted the same items more than once and when calling to follow up it is hard to get through to anyone who can actually help you. Most of them are useless operators that can't do anything for you. I was finally able to speak with the person assigned to my account (Shahid **) and he requested we submit another document so we did. Well even though we were under review for assistance they still had a sale date implemented so I called the day of the sale date to make sure everything was good and they had all the documentation they needed.

My mortgage was modified though PHH on April 2019, and it has been a complete nightmare ever since. First, they reported my account to the credit bureau as being late one payment. I called them to clarified this error, since I've owned the property for over 11 years and never made a late payment. PHH would not reply to my multiple phone calls, every time I spend over one hour on the phone and get nowhere. To make matters worse, I sent a duplicate payment, PHH return the overpayment but when I explained that I could not cash the check, I was asked by PHH to return their check, which I did, now I am being told that they can not find the funds for over payment. 3 months of back and forth calls and emails has gotten me nowhere.

Had a repayment plan with Ocwen because of a 3 mo lay off. Got transferred to PHH. They told me I would have to apply for a modification. Did that. They gave me a loan mod. Manager that would oversee my account call email with any questions. Well I called the extension. Didn't exist. I emailed her. She told me to contact my mortgage company. Isn't she part of them when they told me to contact her? Now got a payment plan. Too bad I can't make the payments. Won't accept they on the web site or phone. I have to contact customer service when they say I'm not authorized to make a payment and hang up. I have to keep calling till someone takes my payment for an extra $18.00. I ask if they can fix it so I can make an online payment. I'm not authorized. This company is a nightmare.

I am upset with this PHH Mortgage. They keep sending me statements with different balances on it. I do not know what to do at this point. I need to speak to an Attorney. They send me a statement and states I owe the entire balance and a due date. I need help. This is fraud. I knew this was going to be a problem when they transferred the account from Ocwen to this Company.

We had the absolute misfortune of having our mortgage sold to this company. I don't even know how they are in business. They are so disorganized, they only conduct correspondence by fax, which they usually lose so you have to send at least twice. We submitted authorization for me to speak to them about the loan and every time I call I am told I'm not authorized. Setting up automatic drafts was terrible. They "lost" that document too. It's almost as if they want you to miss payments so that they can collect fees. WE'VE NEVER MISSED A PAYMENT. EVER. Fortunately, we were able to refinance away from them immediately. This company should be heavily scrutinized by regulators and authorities. There is something very scammy about them.

We have been struggling with this company for months now and getting nowhere. They do not process checks or they lose them. We have provided proof several times and tried signing up for the auto-pay, in hopes to solve the problem. Nothing happened. They actually started foreclosure procedures and we had to send all the checks into one. Once they received that large check, they told us they could not accept it and we had to wire the large amount through our bank. We had it wired. That was over a month ago. We received a letter stating the the foreclosure was canceled and we were in good standing.

I too like so many others out here had my mortgage with Ocwen then transferred to PHH during a modification trial period which was approved thru Ocwen. Two payments were made with automatic withdrawal, then in the midst of the third payment is when PHH took over and that's when everything fell apart. I signed up for automatic withdrawals, was then accepted to start then denied a week later because they needed a void check which I didn't have and had to order some. By that time I needed to pay two months which I did, but lo and behold it was sent back because they claim it wasn't enough to cover what I owed. Are you serious? Who does that, I'm guessing they never took into account that I was going thru a modification trial period with Ocwen nor did they care.

With Ocwen I was on auto pay, It was simple. Paid my mortgage on time every month. I was Notified that PHH took over so I faxed direct debit form to Direct Debit Dept along with cancelled check in June. Now it's October and come to find out they never took any money out. Never told me if there was a problem. Never called, emailed. So yesterday I faxed another auto pay app to the Direct Debit Dept... with another voided check. And I better not be charged any late fees! To be continued....

I was originally with Ocwen and my mortgage loan was moved to PHH. My payment was late by 7 days and they deemed my modification as unpaid and thus broken. I would really like to speak with a mortgage counselor about refinancing and other options. 7 days is really an insignificant amount of time. The lateness arises from sending a payment via postal mail without a stamp. It was then returned to me, so I made the payment electronically All prior payments were made on time.

I have been with PHH mortgage for a few years now. They have always been courteous and efficient with all my questions. As well as directing me to the appropriate department when needed. My hopes are they will continue with my loan and allow me continue to be a client. If not I truly look forward to the time I can continue with their company. Thank You. Shirley ** Yuba City; Ca.

Great customer service and they were very helpful. My issue was resolved in a very timely manner. I was very pleased with the customer service that I had experienced. I am so very thankful that we have this mortgage company covering our home.

I am over the estate of my father who passed away. I have given them all the information they requested to talk to me about his estate. I have been making the payments like I was supposed to per the paperwork I found in my dad's home. I have been dealing with this since Jan. Now they are saying I am 6 months behind. I have sent proof that they received the cashier's check and cashed them. I have spent hours on the phone to get this straight and I get the run around.

Can't even count the countless hours on hold with these people. Currently on hold, going on second hour. Just requested a pay off balance 5 months ago that they couldn't accommodate for one reason or another all while they wreck my credit claiming the last payment is overdue. This was after their internal audit claimed we were undercharged $3000 which they wanted with the final payment. I can't recall a more inept company in my lifetime. Avoid at all costs.

We had Ocwen for a long time, loved them! Mortgage was transferred to PHH. Nothing but trouble from day one. When calling them, wait times are very long, never can speak to someone who can either help me or that I can understand. Now we remortgaged just to get a different company and they are holding our last payment. We got a payoff quote in the middle of July, made our August payment then paid the loan in full August 15th from the payoff quote. The payment we made at the beginning of August should come back to us but PHH can't seem to figure that out, and every time we call we get the run around again, lots more operators that can't help and that we can't understand. Stay away from them! They will steal your money!

PHH bought my mortgage from another company in June or July. I had my previous mortgage taken out of my account on the first of the month and assumed this would happen with PHH. In late July or early August I got a letter saying I had not made my payment. So I called and signed up for the autopay option for the first of the month and actually made my mortgage payment over the phone with the customer service rep I spoke to. I believe at that time they wanted me to pay a late charge and another fee for paying over the phone, I refused to pay any extra charges.

I called this morning because the letter I got from PHH was a important information about the mortgage from my previous mortgage loancare. Every date in the letter says Oct 1, which on Oct 2nd when I called the transfer was still in process. I called today because what they sent is not as statement or how to pay, when I'm supposed to pay. When I told the guy on the phone I need to know when I'm actually supposed to pay the loan, and I get that I was supposed to pay on Oct first and I need to pay it now. Well that pissed me off. If this is their customer service then I don't want my loan with them. I'm not happy that my loan was sold to them. If you want to get paid then send me a statement!!

Phh mortgage have mislead me, gave me wrong information, and continue to give wrong information. Making my family and I foreclose!! Horrible, fraudulent, misleading and don’t take responsibility for the actions!!

We had a major flood in June of this year. We finally had all resolved with the insurance company by the end of July and our monies were sent to PHH. We did receive our first 25% to give to our contractor in August. We called and scheduled our 50% inspection and it was completed on Sept. 24th and now as of today we are 100% done putting together our home. We have yet to receive our 50% check and can not schedule our final inspection till this is resolved, have called 9 times in the last 3 weeks and the inspection team has yet to sign off on our inspection, 25 days later. We owe a contractor a lot of money and our funds are sitting there awaiting an inspection to be credited.... This is horrible business and customer service!

It's been nothing but a hassle and runaround to get my escrow released. No one at New Rez takes any responsibility to see an action item through. All they do is read from the script. Cannot wait to be done with them. I can pay my own taxes. I am STILL waiting for the escrow balance check-this process was started months ago. Playing games with my money I see.

I took a financial hit after my divorce and had a good relationship and plan with my relationship manager with Ocwen on a way forward. I explained my hardships, and we decided to submit a short sale package. Then my loan was switched to PHH. It was the worst situation I’ve ever dealt with! They would never communicate with me on what they needed. I submitted the request in Feb and would call for updates only to be told updated or more documentation was needed. And it was a different requirement with every phone call.

The only reason I didn't give 5 stars is because it states you are a debt collector... and I'd prefer that you are a MORTGAGE company. My loan has changed hands so many times. I actually like to get a breakdown of all the companies who've handled my mortgage... and also, why can't my last payment be made online????

I am another dissatisfied former OCWEN customer. On Oct 3 2019, I called PHH and requested an early partial-payment of my 2019 property taxes. PHH's representative assured me the partial payment was scheduled and would be made on Oct 10 2019. Today is Oct 17 2019. My county has not received PHH's payment, and I have not been contacted by PHH with an explanation. On calling customer service again on Oct 17 2019, "Jessica", employee ID "**", was unable to explain the delay, would not transfer me to the correct contact, and stated she would "send an e-mail" to PHH's "Tax Department" requesting the payment... which is apparently the same failed process from Oct 3rd. I am not at all confident the results will be any different. All I am asking is for PHH to do what their representatives stated would be done - or for contact from PHH about why they are unable to complete my request.

If you ever pay off a loan with PHH Mortgage, get a lien release immediately. If you try to get it later, they will not help you. They will promise to help but nothing ever gets done. PHH was contacted in July, 2019 about the lien release in preparation for the sale of our house. In August, I called and was promised a lien release 15 days after they received my letter requesting it. They acknowledge receiving my letter on Sept. 4th. I called September 23 and they hadn't done anything with it. I talked to KR1. He said he would fax the lien release to me. He did not do that. I called on 9/24 and talked to ZG5, then requested a manager, who was Francis DQ4. I called on 9/27 and talked to BQ0 after being on hold for 37 minutes. He hung up on me. I called on 9/28 and talked to BS5, who was very rude. I called on 10/1 and talked to CH3 who said a reconveyance team or something was working on it.

I had a loan with Ocwen for 7 years. It was transferred to PHH in May. In July, I was laid off and proactively called to say, “I’ve been laid off. I am making the July payment and will need some assistance until I can find a new job. Is there a payment plan option?” I was told not to make the July payment. Miss the payment and apply for a loan modification - a rep would send me the paperwork, ASAP. After multiple calls from me asking where was the paperwork, it finally showed up in September! September! I filled it out and sent it in the same day. Then started collection phone calls saying I am in foreclosure. Totally freaked out, I made a payment (that was credited for July).

For four years, I dealt with Ocwen. Paid my mortgage on time, never had a problem. As soon as PHH took over, the problems began. PHH overpaid my taxes by several thousand dollars, then claimed my escrow was short, and jacked up my monthly payment from $740 to $940. I made TWELVE phone calls, waited on hold for over an hour total, was cutoff three times, and then sent THREE certified letters, all trying to get this fixed. And, there's no mystery: I have all of the tax records and payments to prove the mistake made by PHH. The best part? The fax number on the PHH website doesn't work, nor does their "email" address. The escalation phone number actually goes to a Walmart gift card helpline. Exasperated, I'm now talking with my PA State Representative who is in contact with the state banking regulators. This is absolutely the worst company I have ever dealt with. Avoid this company at all costs.

Ocwen sold the note for my deceased mother's reverse mortgage to PHH. Since that time, they've claimed (falsely) that we've failed to provide information which I can prove we have provided. They claimed we didn't report monthly status on the sale of the property (proven to be false), claimed we didn't supply proof of insurance (also proven to be false), issued hazard insurance which we successfully proved they must refund to the estate, and now they are continuing to mail notices about the refund check to my deceased mother's address, after the property has been sold and their note has been satisfied, despite me calling multiple times and submitting their change of address form.

I was recently moved to PHH Mortgage from a previous provider. This company has been a horror to work with. They have refused to uphold the agreement to follow my previously established payment plan, even though they stated that I would be "grandfathered" in. They did follow through for the first few months of taking my mortgage from the previous company, but recently stopped without notification and now keep telling me that they never set me up with this type of payment plan. I struggled with this company right away and again am struggling. They are not consumer friendly, they do not work with the consumer to make sure payments are not causing a hardship, they always seem to hang up on me every time I am placed on hold so I have to call back multiple times. This forces me to start each conversation over and over. I will NEVER recommend this company to anyone.

I have had several telephone conversations and all the representatives were helpful, knowledgeable and courteous. They answered my questions and before the end of the conversations they will ask if I need any other help. Excellent!

PHH is a terrible mortgage company that I was forced to use when my Ocwen loan was sold to them. The website is not usable since all major browsers block it due to it looking like a scam website due to a bad security certificate. PHH needs to pay the $49 annual fee to get a valid security certificate, but presumably they're so cheap they won't do so. mortagequestions.com (The bizarre name of PHH's loan servicing website) is simply not accessible.

Our account has been transferred from OWCEN and the experience has been terrible. The website is unbelievably different. It even looks fake. I am trying to pay my mortgage and my account won't pull up. I tried calling and they don't even have 24/7 customer service. How can the service be so terrible when OCWEN's website worked so well?

From OCWEN to PHH Mtg - this has truly been a nightmare on ERIE STREET which is my Street! My husband and I lost 82 points on our Credit Report because of “DUMB & DUMBER WHATEVER’S!” Now they called us to say we was missing our April payment in August. Ok catch on! We spoke to “ONLY ONE AGENT” who found our April payment on Owen’s website - all is well correct? NO NO NO!

I use to be an Ocwen customer and was transferred to PHH Mortgage. At the time of transfer I was in a trail plan and finish my last payment in June 2019. A month later I received a letter from PHH Mortgage. They cancel my trail plan because they did not receive my last payment. I disputed the letter. Sent them a claim and sent out proof that I paid from my bank account, did get a response that they would look into it and give an answer. Never received a letter or callback why it was denied. I reached out to my relationship manager. Told me to reapply which I did. Took two weeks for them to complete my application. I am still waiting on an answer. It's has being over 3 weeks since they stated my paperwork was completed on 09/18/2019. In 5 more days will be exactly 30 days??? This process seems like the runaround. Just need an answer on where I am at or need to move forward with an attorney.

I had a mortgage modification done Feb 2019 by Ocwen. Made my payments on time and even early in most cases. On my mortgage statement after the modification was complete there was “accessed fees”. I called Ocwen and they said those should not have been on there and they would have them removed. Then they sold out to PHH Mortgage. I’ve called PHH multiple times to find out why this was still there. The first time I was told it was late fees from when it was Ocwen. There were not late fees. All late fees prior to the modification went away and all behind payments when to the end of the loan. Called again and was told it was Appraisal fees before the loan was transferred. Those went to the end of the loan also.

My mother has a home loan with PHH Mortgage and her significant other passed away unexpectedly and was the sole income earner. Knowing that she will not be able to pay her mortgage due to no longer having an income, she immediately reached out to PHH for help. She explained that she needed to find a job but is concerned about missing her payments until she has money coming in. They said they would be able to offer her assistance options after she completes a packet and provides her details and death certificate. She did so right away and heard nothing back.

I was with Ocwen when I started the Loan Modification Process. I was approved for the trial payment, then paperwork was mailed out for my signature to be mailed back. During this process PHH took over. The signed paperwork was mailed back to Ocwen. PHH states that they never received it & now the process has to start all over again. I am hopeful everything will end well.

I was informed by PHH that the escrow shortage was caused by their payout to two insurance companies. I had switched insurance to another company, but the new agent failed to inform the old company of the pending change so two insurance companies were paid--of which I remained unaware for 5 months. The old company has agreed to send me a check for a refund. That refund will go to PHH which paid the two companies in good faith.

In the 10 years I had my mortgage with PHH, I always had a positive experience in dealing with representatives on the phone. Most recently, I called regarding tax information on my now-closed account. The gentleman I spoke with was polite, friendly and was able to help me efficiently. I don't get the opportunity to say this often, but he was a pleasure to speak with!

PHH took an extra payment from us that was not authorized when they switched the online system from OCWEN. After numerous phone calls to people that don't sound like they're even in the US, they finally refunded our "extra" payment back...here's the kicker: they applied that extra payment to the principal and refunded us the P&I from 3 months prior. So now our credit history looks like we were over 30 days behind for 3 months. Now we don't qualify to buy a home. PHH should be renamed to WeFU. Most phone calls are like 45 minutes or more of hold time and then there's no manager to talk to.

I absolutely dread having to call customer service. Customer service and their website is a complete utter joke. Representatives often do not listen to my concerns and very often talk over me. Most act like it’s a joke and will blatantly start laughing when a request can not be met. Their website will often delete my personally and loan information. I will usually left unable to update my information which will result in me having to call customer support. There have been several times I have been locked out of my account which will also result in me having to call. I have had several issues with payments. I had previously set up autopay 3 times just to find out that recently it wasn’t updated. As of right now I am still waiting for the month of Sept to be paid. I highly regret moving forward with this company. I absolutely do not feel comfortable with the people at customer support knowing my information.

I have had my my mortgage with OCWEN for almost 7 years. I recently got converted to PHH and have been less than impressed. First of all they are incredibly difficult to get someone on the phone. Incredibly long wait times. The thing that really bothered me is we had a bi-weekly payment plan splitting our mortgage into two even payments a month which also worked out to be an extra payment a year. For 7 yrs that has been our normal. Now I have been told that is not an option under the PHH name. How is that possible if it's all under the Ocwen platform. This seems like a deliberate attempt to not allow people to get ahead without going out of their way to call in, make an extra payment a year. I am incredibly disappointed by this.

My complaint: is PHH does not allow auto-pay to it customers. I was just moved to PHH from OCWEN. Almost all companies dealing with money or finances has auto pay. I don't get why PHH policies forbid auto-pay only to customers with bankruptcy. I find it difficult to keep up with review my payments are with payment due dates. It often pain to come to website every month to check every memo sent out. Busy customers don't have time for this. I think PHH should evaluate benefits to it customers. I don't see how this has any complex issues to PHH to allow it customer to have auto-pay. I would love to be told I am wrong. I was told by two different agents this case. I hope this get the attention it deserves to make change to policy to give customer choice to be better serve. Thank you.

My experience with PHH mortgage has been a nightmare. I discovered, in March, that I had a past-due tax bill from 2007 (in their defense, my mortgage was not with them at the time, but they bought the loan, so it is now their responsibility). My lender has always paid my taxes so I reached out to PHH to get this resolved. They investigated and eventually I was told they paid the delinquent tax bill (the records show it was paid towards the end of March). I assumed the case was closed.

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.