Onity Mortgage Reviews

I have received a check from my insurance company that had to be signed by myself, contractor and PHH. We signed it. Sent it off to PHH over a month ago. I have been dealing with them ever since, I finally received a check last week only to have them stop payment on it. Never told me they were doing this, I had contractor and myself sign check, deposited it to be called by bank telling me the over $38,000.00 check had a stopped payment. Now I am again waiting for them to reissue a check, have no idea how long this will take. I have never dealt with a company that was so inept. My mortgage was sold to them so I did not have a choice.

No way to access either Ocwen or PHH website as the Ocwen--PHH transfer was a technological catastrophic disaster. Not a single human being in over a MONTH OF CALLING!!! Can't tell you the HOURS I wasted so far WITH NO WAY TO PAY MY MORTGAGE!!! 23 minute wait... NOTHING. Over 30 minute wait... NOTHING. ENDLESS HOLD or the system hangs up on you!

I have had my mortgage with OCWEN for many years without any issues. Then PHH took over and now my home insurance is about to lapse because they have not paid them from my escrow account like has happened for years. The insurance company has tried to contact PHH without any success. I have called and waited online for hours without anyone picking up. I am now online again for the last 30 minutes hoping someone will pick up. I think they are intentionally trying to get my policy to lapse so I will be forced to buy through them at a high premium. I agree with some of the other reviewers that someone in the justice department needs to look into their practices as I don't see how this can be legal. OCWEN was fantastic I am so disappointed they sold us out to PHH!

I made my mortgage payment on June 27, 2019. This morning it was returned due to NSF. I've never had an electronic payment take five days to hit my account. This never happened with OCWEN. This could reflect poorly on my credit. I'm very nervous about this new company. Help!!!

Updated on 07/27/2019: This is my second post regarding the transfer from Ocwen to PHH. I was getting out of my repayment plan with Ocwen at the time of the transfer to PHH. I had come within 89 days of being current. Ocwen did not post a payment and PHH kept saying give it 60 days. I stopped payment and am waiting on my money order reimbursement. Home retention dept at PHH said they would work out a 12 month repayment plan with 2k down. I waited to hear back. They call you with different numbers and many times says scam on my phone when it’s then. I also work during the day. If you miss their call they act like you’re a criminal and do not leave message because I was told they are still getting a large number of calls and you won’t get through.

My friend and I are co-borrowers on an Ocwen loan that is being transferred to PHH. We have been with Ocwen for about thirteen years and we have never missed or been late with a payment in all those years. We have been told by Ocwen on the phone and letters that Ocwen will be there to help during the process, we are finding that statement to be untrue. We have made our first payment to PHH and would like to have a few questions answered and need to speak to a representative. We have called at least 10 times and have been on hold by the system for over a hour on multiple occasions.

I was with Ocwen and on 6/1 they transferred me to PHH. As others have noted, Ocwen wasn't great but in recent years that had really gotten a lot better. I was in the middle of a loan modification which was supposed to be effective 6/1 (horrible timing, I know). I set everything up and made my first payment on 5/30, but never received final confirmation that everything was on track. Today I go to make my next payment on the modification (due in three days) and the website for PHH won't let me. (Probably because I am on a plan). So I go through MoneyGram, which seems to be the only way I can make a payment without mailing a check, and now I see that Ocwen never picked up the payment I sent last month. It's sitting there "in transit". I called, they said "high call volume, approximately 30 minute wait", I waited 35 minutes and then it disconnected me.

Trying to pay off my loan recently transferred from Ocwen to PHH. Was on the fence to payoff but with the experience I've had with PHH, am choosing to payoff/refinance and be done with them. Earlier this month, I attempted to request a payoff statement through their online portal on website mortgagequestions dot com. Was given the below message: "We are currently unable to retrieve this information. Please try again soon. You may also email your request to customer service at mortgage questions dot com. (typed out so wouldn't be rejected)"

Loan originated with Ocwen. Transferred to PHH a year &1/2 ago. We were so excited to make our final mortgage payment before my 60th birthday 20 June. Per PHH, the bank check was received on 18 Jun. However, the payment was not accepted because it wasn’t certified funds which was never mentioned. They said wait 10 days until the check clears which I have. Now they say I owe an extra $1.22 in interest because I didn’t pay with with certified funds (which I never have for the loan duration). Can’t get them to close the loan. Seems like this is a lifetime deal and they will do anything to keep this loan going.

My line of credit has been through OWCEN for 15 years. Not once have I ever been late on a payment to this account. I have been enrolled in automatic payments to the same bank account for 15 years. I received a credit monitoring report indicating I had a 30-day late payment to PHH Mortgage as they had just merged with OCWEN. I immediately called customer service and was told my SSN did not match up to their records. After getting that "fixed" I was sent to another department. The account rep I spoke to told me my bill was late by 2 months, so I tried to work with him to get my payment up to date and fix whatever was wrong that happened with the change of ownership. He then informed my actual bill due is now 36,000 dollars. WOW. So I asked him to explain and he couldn't, I was put on hold for 32 minutes, he came back online and told me he couldn't figure out the problem so a Supervisor would call me.

Inquiry on account being recently transferred from Ocwen. I was very confused and didn't know what to do. I called the customer service 877 # and there was Vivian (I.D. # **) who came to the rescue. Thank you Vivian for affording me a very loving assistance.

I have called 4 separate times on an overpayment on a PIF Heloc and have waited 4+ hours. They infrequently have called me while I'm working and leave a general line number that just puts me back waiting for someone to answer. Right now as I write this over 60 minutes this time. Don't do it! They are horrible, I work for a bank and we would be out of business if we managed customer service this poorly.

I have been paying my mortgage to Ocwen on my cellphone. I pay every other week. I was current until PHH took over. Now they put one of my payments into my escrow account. It was suppose to be applied to my June payment, now they say I need to send them another payment which is incorrect. This is the worst mortgage company in the world. I have never been late, but now I am.

Something isn't right. And I do not want an automated, generic response from the "escalation team". Ours, like hundreds of others, seem to be having the same "issue". We too were transferred from Ocwen to PHH (who happen to be of the same company.) Yet, PHH has different "guidelines", from Ocwen, which has resulted in PHH not honoring arrangements with Ocwen. Why not? You are still of the same companies. We were told to apply for a modification. We were told NOT to make any payments, while Modification is being processed. Guess what? Modification was DENIED. (Even though we were approved with pre-qualification.)

Improper reporting to credit bureaus. Payment went up 60 dollars. Try getting a hold of someone on hold for hours. Worst ever company. Government should look into their fraudulent use of power over people's homes. Something needs to be done about these companies. If you make your payments how is the principal go up 600 dollars in one month.

They participate in outsourcing so language barrier is a problem. I was used to Ocwen, because all of my calls were automatically routed to the United States. I was worried because Ocwen allowed NO FEE for Western Union payments due to my fluctuating income. PHH still honors NO FEE, now I feel much better.

Extremely stressful - 3 of us tried all day to get a payoff. Website did not work - directed us to send an email. Said it takes 5-7 days. B of A took less than 1 minute. Working on day 2. Hope I don't pull my hair out.

I have been trying to order a payoff for our client and I have requested 4 times and have not received anything. The customer on the account also called and she was promised a payoff within 2 hours and she never received anything. When you call they will not even acknowledge receiving your fax when you call in. Escrow is closing this week and I have yet to receive a payoff statement.

Ocwen transferred my loan to PHH. Ocwen purchased PHH so they are now one and the same company. I was behind on my payments. I received reinstatement notice from Ocwen thru the 19th June, 2019 even though the loan "transferred" to PHH the 1st of June, 2019. The funds were wired to Ocwen as PHH couldn't give me numbers for 5-7 business days. Yet Ocwen could provide numbers were instantaneously. Seriously, PHH, it's the 21st Century. Get with it the times! Therefore on the night of the 16th June, 2019 I initiated a bank wire that HSBC sent on the morning of the 17th June 2019. I was fortunate to get a USA call center at one point and I was told to fax verification to the NJ office. I did. Yet no one can confirm a fax, yes fax! It's the 21st Century! Who faxes in today's world!

My Ocwen mortgage was recently transferred to PHH and ever since then I have struggled with actually getting issues resolved. Whenever I call I am put on a long hold because it would seem they are ALWAYS experiencing a lot of incoming calls. Regardless, after holding for 5-10 minutes I am often just disconnected or placed on the line with a representative who doesn't seem to know what they are doing. Just today I called twice to make a payment while on a trial modification plan, because for some reason the online system won't accept my payment during the trial period. I was put on hold so that they could verify "something" and not able to make the payment. I am trying to comply, but it's frustrating when the customer service is delayed and uninformed. Getting repeatedly disconnected while on hold for long periods of time when I'm trying to pay them money seems so totally inappropriate.

My mortgage was transferred to this terrible company from Ocwen, which was no bargain either. I am having a very difficult time with this company. Their website does not show payment info in real time. I sent a payment early and they credited it my account as extra principal, then tell me I'm late! This is such a headache. I have an 830 FICO score... Do you think I've gotten there by paying things late? I can't even seem to figure out if they still think I'm late or not... The site is THAT confusing. I only owe $95K on my house. I can't believe at this stage I'm going to pay to pay to refi just to get away from these people.

My mother bought the property that my wife and I live in. Since she is 98 years old and has severe dementia I have been taking care of her affairs. I have been authorized to deal with her account at PHH for years. No problem. We had requested, had been approved and agreed to a loan modification in Dec/2018 and even made our first payment (April 2019) in January.

I had been working with a relationship manager at Ocwen this spring. All payment on the trial modification were made on time. There was some paperwork necessary from my divorce so I could assume the mortgage. Once Ocwen approved this, I was waiting for the final modification documents. Then came the transfer to PHH. Now, I mailed them a payment on May 29, 2019, which they returned. I log into my account, and it says no payment is due until October 2019. I tried several times calling PHH and I’m on hold for over an hour, only to receive the automated voice indicate that “due to unforeseen circumstances, I cannot be connected”. Then I attempted two emails, just to receive an automated reply that they’ll get back to my website matter in 5-7 days. Ocwen was 100% better than PHH customer no service. If I could, I’d rate your business conduct as 0 stars.

Closing on our home on a Friday. Lawyers goofed, did not get payoff information and realized their error the day prior. Called PHH, but was told only the lendees can make that request. Called Friday morning at 9 a.m. Was told PHH needed 24-48 hours because payoffs "have to be manually calculated." We said this was urgent, and was told by PHH rep our request was being "expedited" and to call back later. We'd have it later in the day.

PHH Mortgage was very helpful in assisting me with my refinancing. They were very understanding and did things in a timely manner. They also didn't put me on hold for a long period of time. I'm looking forward to being a new PHH customer.

Today I contacted PHH for the 1st time, I received snail mail that Ocwen merged with PHH so I wanted to make sure my June mortgage payment was received since I was not able to access my Ocwen online account. I was also sent a letter for a case manager who I tried to call however the ext. did not work. I was able to get all the info I requested and I was satisfied my payment was received and directed to create a new account. (MortgageQuestions.com) Reading the reviews makes me a little apprehensive because Ocwen was such a nice company their representatives were always so professional and seemed to care when I spoke to them. I'm going to be positive and hope all goes well with PHH.

Insurance claim. They lied every step of the way. Was told I can be my own general. They said it would be a 2 step process. Liars. 3 checks and numerous call to get this far. Told we needed 2nd inspection with 90%. Had inspection and got 91%. No check. Worst place I have ever heard of or dealt with. Do not recommend to anyone ever.

Hello, my husband made the colossal mistake of getting his mortgage refinanced and then loan-modified with Ocwen. He passed away on March 17, 2107 and unfortunately the title of the house was not in my name with his. It took my lawyer months working with Ocwen to even allow me access to the account both online and by phone. In January of 2018, Probate finally finished and I have the title of the house in my name. Ocwen was given all court documents, and changed the name of the loan to "The Estate of Scott Raymond **", and I have had full access since. The house payment was set up for automatic withdrawal, always and consistently on the 10th of the month.

Called on 6/20/2019, to speak to a customer service rep about them recently acquiring my loan. I spoke about a modification and when we were going through the process, the customer service rep was incredibly rude. She would ask a question and when I asked her to repeat it she would make a very loud sigh and then stated, "You really need to pay attention so you can hear me.." She also told me that, "You don't qualify for a modification." Couldn't tell me why and stated don't bother filling one out online because it would be a waste of everyone's time, so don't bother. She included SSI to my income in case we get approved for SSI (I don't receive SSI as of the moment and waiting on a decision). She shouldnt have included that.

This company has been nothing but trouble since they took over our mortgage. Our first payment wasn’t drawn from our account, so they threatened foreclosure. They then said our payment date would be in the middle of the month when they’d just drawn one in the beginning of the month - we can't afford two mortgage payments within two weeks. They couldn’t draw it, so they threatened foreclosure. We called customer service, routed to India, and sat on hold, only to have someone completely apathetic to our experience. We mailed a check, it hasn’t been cashed. Again, they’re threatening foreclosure because "we haven’t made a payment in two months." We’ve owned our home for 22 years with an excellent record of payments on time, and now this company threatens foreclosure because they can’t get their act together and resolve the current situation so we can all move forward. It’s almost as if they’re trying to take our house away from us.

I was a customer of Ocwen. Since they sold my loan to PHH it has taken a minimum of 55 min to get through. My loan amount has gone up $74 a month for a reason I do not know. I did a loan modification years ago and today they reported me to the credit bureau for something that was done with Ocwen years ago. Now my credit rating took a hit. This is just awful and hopefully I can go to another company soon.

If you want a knowledgeable and helpful mortgage company, you may not want to use PHH. My husband and I are in search of a mortgage company; so, we decided to use PHH. We began working with one agent in late April; however, he was either fired or quit and we were left without an agent. After calling several times, we were finally given another agent, Kevin **. Kevin seemed to be knowledgeable when asked questions. We were interested in purchasing a foreclosed home, and Kevin stated that we could and gave specifics about the process.

In reading other reviews, at least I can see I am not alone. My loan was recently transferred from Ocwen. We had nothing but great customer service from them. I have tried to call PHH and been disconnected after a several minute wait all 3 times. I was able to create a user account, so I attempted to email from there. It took 14 days to get a response! All the response said was to send them my loan number and that their customers were very important to them. My name and phone number were on the original email and I sent the email from the log in at required my account number.

Trying to make a payment on my mortgage since it was transferred from OCWEN, was on hold for an hour and eventually hung up! After reading the other reviews I’m seriously nervous about the capabilities of this company. Going to the BBB!

Updated on 7/3/2019: It has been a nightmare having my mortgage transferred from Ocwen to their new PHH department. They have totally screwed up my automatic withdrawal from my bank for May and June. I wrote an honest review last month on the many, many phone calls and many, many attempts to get them to treat me with the professionalism I had always received from Ocwen. But that complaint has now resulted in me being blackballed because I wrote the original complaint about their services. They are now saying that I had previous bankruptcy so I will never be allowed to have my mortgage payments automatically withdrawn from my bank account.

Almost six weeks has passed and they are still refusing to give me credit for a check that I sent to them and they cashed. They are trying to increase my payments and pay it twice. I have sent copies of cashed check to them, been on hold for hours, and treated with vile disrespect and discourtesy, disconnected, and more. Over 20 calls later and it is still not resolved. I will be contacting the state mortgage licensure and oversight company and lodging my complaint as well as my attorney. Good luck dealing with these horrible people! If they can't even add and get escrow calculated correctly, what can I expect next?

I have only been with this company since June 2019 and so far I am not impressed at all. The luxuries I had with Ocwen are not transferable such as a simple payment plan that auto deducts bi-weekly payments. I am not for sure what debt collector in modern times is unable to make bi-weekly payments or does not allow for changes in the scheduled payments dates after the 16th of the month to support additional payments. The three customer service representatives were unable and unwilling to address my needs and basically said, "Oh well." Horrible and shameful.

After reading recent reviews I am nervous. My Ocwen loan was transferred to PHH on June 1, 2019, according to an email I received. I have received no snail mail written confirmation and do not know if I have a new loan number with PHH. I have tried at least 4 times to login to PHH's payment site. But I'm getting the message that my loan number (for Ocwen) is invalid. So I thought I'd call them. I waited 41:43 minutes only to have the representative hang up on me. I am calling again and on hold, but it's almost closing time for them, so I'm sure I won't get through. But I will continue to try.

Very helpful. Quick and efficient. Glad I got to talk to someone — an actual person rather than a machine as this is my home mortgage and it is really important to me to keep this account in great standing.

As of 02.01.19 OCWEN transferred my mortgage to PHH. I have been making my payments. Yesterday I called to make a payment, was told they would not accept payment over the phone because I owe $290.00 for April. Not sure how I paid in full. I have bank statement showing payment. Why was this not told to me when I made payment for May or June.

Your company has mismanaged my paperwork, caused a foreclosure on my home as of 6/17/2019 although I was told the foreclosure was placed on hold while my modification/short sale paperwork was being processed by the underwriters at PHH and my processor. On 6/17/19 I'm informed by my broker and processor that they are waiting for an invite from Equator to complete processing for the short sale from PHH. While they are waiting for an invite you foreclosed on my home after telling me on 6/10/2019 that the sale is on hold. Your company and management are horrible and derelict in their duties.

PHH just took over servicing of our loan from Ocwen. I had no issues with Ocwen for many years! I have been trying to straighten out an issue all day, the reps have no idea what I am talking about and every time I call back I am on hold for 30 minutes then get disconnected! NOT HAPPY!

No star is my rating! We lost our home in the Camp Fire of 1018 in Paradise, Ca. Ocwen received our payoff check to our lost home from our insurance (overnighted to them as asked) and they have continued to sit on it and now with PHH and the hell continues. Hours upon hours on hold, ran around to different departments, obscene amount of phone calls made with never a return call as promised! Over 7 months later and saying we owe THEM money on interest??

This has to be the worst company ever! No one ever answers. I waited over 2 hours and when my wait was finally over some weird noise came up and nothing on the other end. I called about a month ago, waited 30 min on phone for some guy in India that couldn’t speak English, I signed up for automatic payment and sure enough my mortgage is still not paid for this month. Not sure who to get a hold of!!?? 2 hours wait and nothing!!! This seems like. Horrible company! I’m calling Ocwen. I can’t be with these people! It’s a ** joke! Thanks Ocwen for transferring us to hell!

I have just been transferred from Ocwen to PHH two months ago. I have made two payments and yesterday I logged in and my payment has gone up. I am on a Fixed Rate mortgage, why is my payment going up? Well I called Friday and Saturday and stayed on the call for over an hour and there was no answer - just music. So now what? My payment went up almost $45 a month with no explanation as to why.

I was just transferred to PHH from Ocwen beginning this June. I was behind with my mortgage due to lost of workers comp income and while I was in appeal decision I was not able to make payments. Now I have been approved to keep receiving checks but now they won't take 2 months payment so I won't be so far behind. They seriously refused and when speaking to the rep which I had a hard time understand what he was saying... I asked for supervisor and he was refusing at first 'til finally he got him on the phone but also refused to take my payments which would just make me one month behind and current month due. So I have to wait till next check to make payments. I can't stand when they are not willing to work with their customers. Yes we are customers.. Without customers you have no business and you have no income. Was not my fault I was injured at work and been out for 2 years now.

Even though I had to wait 20 minutes to get a customer service person, once I was connected she was very good at solving my problem of being locked out. When she could not make it happen she got me over to technical support who solved my problem.

Updated on 6/18/2019: Thanks Scott for your assistance and help in finding our payment. It posted today. Hope things run smoothly from here on out. Will raise star rating as things go along if they get better. Thanks again.

It’s impossible to resolve issues with my mortgage. I have waited almost three hours on hold only to get connected with someone in India, and they refuse to connect me to someone in the USA. There is more or less zero customer service and they could care less if you loose your home in a hardship. If you think you are dealing with a company that plays by the rules think again. It’s easy to go over to the Department of Justice website do a search and see the constant fraud they commit. Don’t ever trust these criminals — because that is what they are and there’s no denying it. https://search.justice.gov/search?affiliate=justice&op=Search&page=1&query=PHH.

I only wanted to give 0 stars. I needed help with a temporary financial situation. I contacted PHH and they were very nice to send me paperwork to fill out. Then another set arrived. Then more paper. I was drowning in paper. Today I was able to call them and sat on hold for 25:00 minutes without my call being answered. I called back later and waited for 30:00 minutes. Finally James answered. We didn't click from the beginning, but he refused to allow me to speak to anyone else. He kept putting me on hold for long periods of time. Finally, I ask to speak to his supervisor. He puts me on hold for 15 minutes. He comes back and states that he discussed me extensively with his supervisor, but now his supervisor is going to a meeting so is not available to talk to me. He'll have to call me back. Really?!?! Total time of wasting my life with James today... 1 hour 27 minutes.

Now that PHH took over OCWEN, I can no longer log in to make a payment. Says I tried to log in, and that I forgot my username and password. I log in every month and nothing has changed. Regardless, went through the reset password process and still tells me to call a toll free number. After 10 minutes of pressing buttons to talk to a person, no one answers. I got a letter from OCWEN telling me where to send my next payment, but nowhere does it say how much and I haven't received a statement letting me know. I'm only told that (since I'm paperless) that a new statement is available online. It's probably the same amount but I can't confirm. After reading other reviews, I'm afraid to assume same amount.

I had to request a pay off letter 5 times after their website wouldn't give me one. They never responded to my emails. Each time I had to wait between 30 minutes and an hour to speak with someone. They wasted so much of my time and missed every deadline they promised to meet. Most mortgage companies will let you generate a pay off letter from their site. Don't ever get a PHH mortgage. This forced my closing to get pushed back for no reason.

I am a Realtor. My client has a loan with this company. We are trying to get a payoff on the loan so she can sell it. Due to medical issues she needs the money for her care. This Bank is impossible to deal with. We have waited 2 months for them to get us the information that the mobile home is paid off or still has a open balance. All you get is fax everything to a number and 2-4 hours on the phone waiting just for a fax number. Both her children and myself have experienced this 7 to 8 times. They never can find the loan and when they do it's the same story and we still have no results. I hope that they read this and contact me. This is our last effort to try and get hem paid or get a release and we are going to the banking commission to file a complaint. So sad that this bank is taking advantage of this woman and her need to pay for medical care for herself.

Here we go again people. This Company sucks worse and it's the same company. What are these people doing???? WTF. I am so over this company, sell me to someone else that actually cares what their customers think. Stop wasting our time on the phone. Hire more people. This is outrageous. I have been hung up on now three times. Been on hold for more than hour waiting each time... Then now all of a sudden I have a new mortgage payment amount. WTF. I have never been so over a company in my life. I would leave but I am not refinancing, I have a great rate. I'm stuck unless someone else buys mine. This blows. I would never do business with them again ever. I never started with them. I loved the first mortgage company I had then they sold me to these people UGGGHHH. The Worst company!!! I HATE THEM ALL. I DON'T EVEN WANT TO GIVE THEM ONE STAR. THEY DO NOT DESERVE ANY.

I am part of the OCWen/PHH nightmare. Apparently I'm in for a world of hurt because I am already on a modification loan with OCWEN who recently sold my loan to PHH who I have yet to receive information from. I'm told I can still access my OCWEN account. I cannot and I have been trying all morning to get information for PHH such as creating an online account to see and pay my mortgage. I'm seeing all the poor reviews and now I'm worried because my husband has been on disability for 20 years and after paying 18 years on our home I'm worried I will lose it. I cannot afford to go into foreclosure as we are on a limited fixed income and I'm only able to work part time as I was recently diagnosed with a Lung Disease. Please help me save my home. I'm becoming more depressed with this issue and at a loss as of right now what to do.

We had Ocwen when we bought our house. After the first year were received a escrow shortfall and permanent mortgage increase of over $200 a month. We were ok with that since it was new and taxes changed. Then we started getting calls from our homeowners insurance company that Ocwen had not sent the payment. Over 1 week of daily phone calls with a 'supervisor' at Ocwen and told it was being taken care of only to be called by our insurance agent that 'No, they still have not submitted the payment.' Multiple phone calls, they would not fax the info as our agent requested to her, they insisted snail mail was totally fine, that AGAIN, it will be in TODAY'S mail.... We were down to the day our insurance would have lapsed and our agent FINALLY said she received the paper. She has been an agent for 30 years and ours for 15 years and she said she had NEVER had this kind of runaround before and she recommend we be wary of Ocwen.

I wrote a review yesterday. PHH sent auto-response saying I’d get a substantive response in 24 hours. Nope. Crickets. PHH refuses to allow phone contact, and refuses to put the most simple info online. Because they won’t respond my insurance company cannot register the mortgage transfer and PHH is thus holding up the insurance company processing payment for a new roof. Insurance already approved but since PHH not responding with something as simple as a way to contact PHH’s insurance dept so we can get copies of the necessary clauses, all on hold. But I’ll bet if my home suffers more damage because I can’t get the new roof PHH will be the first to deny any responsibility.

My mortgage was with Ocwen for years. Never really had any problem with them. All of a sudden without any notice, my mortgage was transferred to PHH Mortgage. Getting logged in to the new site (Mortgagequestions.com, what the hell is that?! Doesn't sound like a site to go to make a mortgage payment) was a nightmare. I have not been able to make any online payments since the transfer. Trying to understand their reps with broken English is just horrible. I sent out an email and the automated reply said, "You will receive a response email from one of our Customer Service Representatives within 5-7 business days - Monday through Friday"!!! Now, through no choice of mine, I have to deal with the people.

My mortgage was transferred to PHH 6/1/19, @ a critical point and they did nothing to attempt to assist me. I would love to take this matter up legally, due to the erroneous info used in foreclosing on my property.

We bought a house in 2000 and the previous owner's loan was with Ocwen. The loan purchased from Wells Fargo. The loan was paid in full when we purchased the house. We sold the house last month to find out the paid mortgage was not recorded. Our title company keeps getting the run around from Ocwen and it still has not been recorded which forces us to seek legal help which is going to be very expensive just because Ocwen will not do what they are required to and record the loan. It is very frustrating and time-consuming. Anyone have any advice on getting this handled?

My account was taken over from OCWEN on June 1st. I was unsure if my mortgage payment was going to be automatically deducted as I just cancelled that function because my pay date this month is the day after the payment was originally scheduled. Well I tried to call for the last 2 days an average of 4 different times a days and waited an average of 30 minutes holding with no one answering.

Dealing with Ocwen was a nightmare, but we learned to deal with them and we lived peacefully with them screwing up our account and then us calling them apologizing and then fixing it, over and over. We got the letter that PHH was taking over and the husband and I took to the internet and seen they had a 2 star rating. *eye roll* LOVELY!! We sent a check in to Ocwen for our second mortgage, overnighted it and tracking number. Come Monday and it's takeover day. The phones go unanswered (at least Ocwen answered their phones) and we keep getting "we are having technical difficulties." So we gave a few days to calm down. Call again Wed. FINALLY someone answers the phone, couldn't find the check. Was very argumentative with the hubby instead of being understanding that we were a bit concerned that this check has disappeared.

I truly appreciated the willfulness and the service provided by the tech support in resolving my issue. Thanks for the exemplary services that was provided and also, the tech was very mannerable and professional in representing your company.

We started the loan modification process Jan. 27, 2019 with Ocwen. We were turned down but re-applied with more income information. We contacted (or tried to contact) Ocwen numerous times, but the loan was not resolved by June 1 when PHH took over. Our loan payment has jumped from about $1,600 a month to approximately $3,250. We followed instructions to wait 7 days after June 1 to contact PHH. Here is what happened from June 7 until today, June 12:

I paid my mortgage off in April. Ocwen received everything needed to process this before the merger. Unfortunately, that did not happen! I lost everything in a house fire in February and am trying to get my builder to start work on the replacement house. However, the payoff statement has not been sent to my county clerk yet and my contractor can't start work until that statement is posted on my deed. It should not take 60-plus days for this to happen. Today, I spoke with Sanjay at PHH. He is the first person to offer me any type of assistance at PHH. He says I'll have everything finalized within the next 4-5 work days (I'm praying he is correct). In all my years with Ocwen I've never been this frustrated... I thought PHH was now a sister company... Why the difference in how mortgages are handled? Except for how well I was treated by Sanjay, I would have left a 1 star rating.

I called PHH because I had new charges that came up on our bill, I waited for 55 minutes to even talk to someone then when I got someone on the phone they told me I wasn’t a authorized user! I told them I’ve lived in this home 18 years and have been a authorized user since day one! They still wouldn’t answer any questions so I got my husband and he still said he couldn’t answer my questions. Finally after my husband got mad he said he could do it this one time.

Due to the recent "transition" from Ocwen to PHH Mortgage, my A&H/impounded Life Insurance payments have NOT been posted to my Life Insurance company for the last six months (Jan. - June 2019), thus making my Life Insurance policy lapse in the process for "non-payment", and so far not ONE customer service representative can NOT understand the frustration I am going through.

Updated on 06/15/2019: I left one negative review to only end up with another negative experience. All I was given is, "I'm sorry" or, "We had all these mortgages moved." I can't even make a payment online. Their portal is terrible. I was given a call by one ombudsman and that landed with no follow-up communication, a new rep servicing my account that I wasn't even aware of. After trying to call her the number and extension didn't work, yet again. Phone wait times are horrendous and then I'm sorry bit doesn't cut it. If you expected these loans you should have been better prepared. I would actually rather have action than endless words said. Ocwen treated me well and never had to wait a long line on the phone. I wish this transfer never happened and when one can't even make an online payment and be told, "Well I don't know," that is not the resolution, but excused and that is all they have for everything, which is sad.

I have been trying to get insurance money, and it has been a comedy of error. I have sent the same forms in several times. I have spoken with numerous customer service agents, all of which have given me different information. I just had a 90% inspection done, and was told the rest of my funds ($100, 000) would be released as long as there was no structural damage still needing to be repaired. Now I'm being told I can't get any of that money because my cabinets are not in. Cabinets are not "structural". My contractor can't do anymore work without money...

For the past three months I have been contacting PHH since I was transferred from Ocwen. I needed to remove PMI from my mortgage and that turned into almost a two month ordeal. Next I contacted them because my payment was reduced around $250 a month. They were only taking $112 a month from my payment for escrow and my city taxes alone are $2300/year, they can’t seem to understand addiction or subtraction.

My mortgage was just transferred from Ocwen to PHH on June 1, 2019. ALL I can say is that so far is, Yes I can see that Ocwen is still there standing with PHH on our behalf. Last year in 2018 we was approved for a loan modification when a illness that cause a hardship to take place. The HAMP program was able to modify our mortgage at a much lower interest rate of 2% that made our monthly payments more affordable..

Updated on 07/29/2019: My modification ended 4/2019. It's now end of July 2019 and I still get past due notices, delinquent notices and dings on my credit report! PHH has not released more than 7 months of payments to my loan either. Official paperwork was sent back July 9, 2019. I have received nothing from PHH but delinquent notices, they don't answer the phone, just recordings telling you it's more than a 30 minute wait and your case manager is not available...all in a recorded voice. Do any humans work there?

The problem initially started while my mortgage was still serviced by Ocwen, 2/2019. I switched insurance companies. I received a refund from the insurance and then sent the refund to the escrow department at Ocwen. I gave Ocwen the new policy information to be paid from the escrow account. This is a common occurrence; I have done the process 1 other time. I did my part and expected that it would be handled correctly. Ocwen did not pay the new policy and within days PHH took over.

I have now been on the phone for 1:44:16 and I have yet to speak with someone who can help me. Raj told me that I had called the wrong number because he doesn't do HELOC loans. Transferred me to a supervisor, Christopher, who said he couldn't help me. Only option was to be put back in the queue and wait for someone else. My loan was transferred from Ocwen. I was told that I would be able to make payments on line and nothing would change. It's now the 10th of the month and when I pull up my account it shows the balance of the loan but doesn't show how much the current monthly payment is, nor does it say when it's due.

As a long time customer with Ocwen Loan Servicing, I have always been impressed with the customer service I receive each time I call them. Their representatives are always very kind and courteous, helpful in every way. They always strive to find a resolution with my issues, and are willing to work with me to do so. I cannot thank them enough! Well done.

This company recently acquired the mortgage of my grandmother's house. She is on a fixed income. Because of such her taxes on the property are fixed as is the interest rate. Somehow however, when it switched companies her mortgage payment went up over $100 which is the money she uses for her prescriptions. We tried to contact the company 2x today. Each time we were on hold for 45 minutes to an hour and were hung up on each time before we could talk to anyone. This is beyond ridiculous and this company should be ashamed of themselves. DEFINITELY would not recommend.

My mortgage transferred to PHH on 6/1/2019 from Ocwen. I have attempted to login to my online account multiple times with the instructions that have been provided to no avail. I have tried calling PHH on multiple occasions only to be on hold for over an hour. After checking Consumer Affairs and seeing all the negative reviews I am very concerned as I have been with Ocwen for many years without issues getting in touch with customer service. If there are system issues or outages this needs to be a message to the customers. I would like to know if my payment has been received and posted and would like know what exactly is the process to check this information through your online account. This is not great customer service at this point and is very concerning to me.

Recently our home loan was transferred to PHH Mortgage, what a nightmare! Unable to contact any service representative, won't answer phone calls. Never received any notification of our mortgage being transferred. Can't make a mortgage payment, Ocwen was terrible to deal with and now PHH is just as bad. Either you make contact with me in 24 hours or I will be in contact with my attorney. None of this BS about how you care about homeowners, I want results NOW!!

PHH just took over our previous mortgage. All things so far has gone smoothly, spoke with a one of their Reps was very helpful and walked me through some of the process. Looking for continued outcome.

I was with Ocwen Mortgage now to PHH - I was in a payment plan with Ocwen that somehow was not updated with PHH - I called PHH to get a better understanding and was told I needed to make 2 payments in order to be set up on another payment plan. NOT helpful at all. Also with Ocwen you could schedule a payment if you were late. This company does not allow it at all. I hope the experience gets better with this company, so far I am not impressed.

Ocwen is the worst at servicing Mortgage Loans. There are NEVER helpful in resolving issues that the borrower are having with just making a payment. Please beware if you are not able to make a payment for any reason. Please educate yourself on your rights in home ownership. They DO NOT WORK IN YOUR INTEREST. Ocwen is more interested in FORECLOSURES. They will jerk you around with the modification process until your only hope is filing bankruptcy. Ocwen/PHH is the worse company that I've ever dealt with. Now PHH is servicing my loan which still is an affiliate of Ocwen. The only way from these people will be for me to refinance my loan. And pray to God I don't get stuck back under this horrible company ever again.

Worst mortgage company ever, they have no idea what they are doing and you wait 15 minutes before you talk to someone. They tell you they have to talk to their co-workers. No supervisor ever. When they do get back on the phone they cannot explain anything to you and you end up being upset and frustrated. I was on the phone crying because I need some help and all Ebony could tell me is, “I’m sorry but you do not meet the qualifications for any of the assistances we offer but you do need some help.”

I had a mortgage with Ocwen for many years with no problems. My monthly payments were on time for years. Now without any notice, my mortgage was transferred to PHH Mortgage a subsidiary of Ocwen. Since the move from Ocwen I have been notified that my mortgage is 3 months late, even though I have never been late. Since I did not know of the move I kept making my payments to Ocwen instead of PHH mortgage.

Our home loan was transferred to PHH and oh my God, what a disaster it has been. They keep giving you the run-around after 25 minutes you have to initially wait to talk to a human. I asked did they receive a fax that we sent to them for tax exemption. The rep asks me what number did I send it to, date and time, what number did I fax it from. We have sent this fax three times. Each time, I was given a different fax number and was told by the next person that it was the wrong fax number. I said, "Either you have the document or you don't." So I asked for a manager and she put me on hold. Guess what, after 1 hour, 10 min and 57 seconds, I am still on hold. This company is...

I made an early payment and they posted it all to principal rather than my next month’s payment that was due. Because I get paid in the middle of a month I always need to pay 2 weeks early to avoid late penalties. The first time I spoke with someone they fixed the problem and assured me that from then on it would post correctly. The next month it happened again. I emailed them and did not get a response and I called two days in a row and sat on hold for an hour each day. Frustrated and needing to get on with duties I had to hang up. I have still not gotten the problem fixed. I cannot believe they do not have enough people to answer the phones and I think their website is not user friendly at all and their customer service is very poor.

I have a VA Loan with OCWEN but was transferred to PHH after the merger. My former wife and I divorced and now I'm trying to assume the mortgage alone which is no problem financially for me. The problem is I can't get any forms or paperwork from PHH to begin the process which I have previously requested through the customer service department. When I call it sounds suspiciously like I'm calling India. The persons answering the phone can't answer simple questions without placing me on hold for ten to fifteen minutes and then doesn't know the answer. Meanwhile, I've been waiting by the mailbox for six weeks now looking for the documents. I was told they don't use UPS, FedEx or even send documents by way of email. My ex thinks I'm dragging my feet on the assumption when I can't get any documents or answers from PHH Mortgage. I need to expedite the process now but I'm stuck in a process that I have no control over.

Excellent Customer Service and I believe, PHH Mortgage should be very proud of Charles, for all of his excellent work, and I believe that Charles, should truly be a leader, to teach others how Customer Service should conduct themselves.

Since taking over my account from Ocwen, PHH has been a nightmare. I was unable to access my account so I continued to send mortgage payments to Ocwen who forwarded it on to PHH. Yet, I now recently discovered that at least one payment was deducted from my bank account but is not registered with PHH. When I finally was able to access the PHH account, the online payment system has never worked. I continued to send payments for several months through my Chase bank account ePay service to my PHH account. Yet, PHH has returned all payments. This has made me delinquent and giving me unwarranted return fees. PHH also refused to honor an erroneous insurance related charge that Ocwen agreed to drop from my account.

I have work with OCWEN for many years as it has been my mortgage company. Every time, whether I was late on my payments or on time, its personnel has been very helpful, respectful, and even understanding. Once upon a time, a different company where I was buying a car, the collector made me cried. Therefore, for Ocwen personnel to be tactful and respectful, it's something that I greatly appreciate and value when dealing with businesses.

Updated on 6/6/2019: Hi everyone. A gentleman named Scott saw my review and called me this morning. He was very kind. He answered my main concern about making a payment within the 89 day time frame. He said they would accept payments within that time frame. He also said Pittsburgh is a legitimate payment address and it takes about a week to receive and process. Also said data from Ocwen is still being finalized. I need that mailed payment to process at day 62. Anyway we'll see. If the guy keeps his word and they treat us with respect and work with us, I won't bother them. If not I'll be on them like ugly on a ape???? Thank you Scott for taking me seriously because I am serious. Was a good conversation with him. Hope my experience stays good with PHH and again I pray for everyone having problems with them. God bless.

I recently received a new escrow statement. Someone has wildly projected my county taxes to increase by 50%! I contacted the county and my taxes are only increasing by $250. I've called all the phone numbers I can find and all calls end up in a call center in India where the operators just keep repeating prepared responses until you feel like banging your head on a wall. My mortgage payment is jumping by a huge increase next month to cover the imaginary 50% increase in my county taxes and there is apparently no way to stop them from taking that money from my bank account. I expect it will take months and months of useless phone calls to get the money refunded. At this point, I'm looking into finding another lender. I suggest you do the same.

Reached the end of my loan time...still owed money, got it taken care of. But it took 14 months to get it refinanced to start making payments. Ocwen would not let me just keep paying the money owed. Transunion was told and other credit groups. I missed payments, still trying with no luck to clean...with Transunion credit group. Have been making payment. Now good standing with everyone. But still I have this big problem because of Ocwen... Tried to pay but they would not let me. Thank you.

I was with Ocwen then transfer to PHH we made a large payment to get everything caught up. So I called today 6.4.2019 10:04am. They told me payment has not been received. Also I should have sent it to PA address not the address that's on my billing statement (seems fishy). I have the USPS tracking number and it was delivered overnight to the payment address in NJ. Customer Service could be better. Seemed like she didn't want to do more to find out if NJ had the payment. At least with Ocwen (I know PHH and Ocwen merged or one bought the other) if they needed to find out something I was put on hold while they checked.

My advice to anyone is to go somewhere else for your mortgage needs. You want to go to a company that stands by what they say, and not treat their customers like **. My mortgage just recently got transferred to PHH from Ocwen... What a MESS!!! I was on a payment plan and needed to make the payment late. I called and spoke with a PHH representative, I asked if I could make the payment on 5/31 and they said, "No problem. Just make sure it isn't after that day." I called on 5/31 to make the payment that I called and confirm I could make on that day and was told my plan closed out and I could not make the payment. But, I could possibly get on another plan but I would have to put down 3 months of mortgage. Not to mention I was on hold for 1hr and 20mins to get that information.

First let me say I have never been late on a mortgage payment in my life. I was stuck with Ocwen when GMAC Mortgage went bankrupt. Ocwen had the worst customer service I have ever experienced until now. I have now been sent to PHH Mortgage which either owns Ocwen or Ocwen owns PHH. Either way the customer service is just as bad at PHH Mortgage. I just finished a 1 hour and 9 minute call with PHH to find out why I have a $40 charge for a loss draft on my statement. The only thing I accomplished in 1 hour an 9 minutes was that they did an inspection of my house in February (this never happened) when Ocwen was servicing the account and they are charging me $40 for that. Of course no supervisor was available to speak with me. Seems to me like a heck of an idea to generate profit. Thousands of accounts times $40 each for something they never did.

Updated on 09/01/2019: Still after 11 months still won't take my middle name on all letters WITHOUT MY authority. After multiple requests and letter to president they refuse to cooperate. I hate them. I plan to change to another bank. Is it legal for one company to buy over my loan three times through different divisions?

Ocwen transferred our loan to PHH starting June 1st, 2019. Letter received from PHH states "will begin handling your property loss draft claim on June 1st, 2019," however neither company has our loan? All we want is our inspection done to continue repairs! If more damages occur due to waiting on them to figure out our loan, Ocwen and PHH will be held responsible for damages while waiting! We want an inspector sent out to us by this Thursday. We would like to be contacted and arrangements made for inspection.

I have had Ocwen for a long time now. For one reason or another we have fallen behind with our payments. We have had some mortgage Modifications and we could not accept any of them because it would take everything we had to make the payments that they offered use. My husband lost his job and he gets paid from Social Security once a month. My job is 10 month. I do not get paid for three month out of the year because I work as a food service worker and I am out of work from July to Sept. I am reading all these horror stories that this new company doesn't care or want to work with their customers. My mortgage just got sold to PHH on June 1st. I am really worried now.

I am a former customer of Ocwen, new to PHH in the last two months. At every turn I have gotten conflicting with information regarding my Loan Mod of lately. I received paperwork in the mail stating that the previous Loan Mod initiated by Ocwen would be honored provided I pay two months mortgage by the last day of the month which is today. Initially, I told Scott ** of Ombudsman that I wouldn’t not be able to do two months because I was told I owed for one month once they received my funds from Ocwen. Scott ** informed me that I would need to submit another Loan Mod application if I wasn’t able to make the payments. And in order to do so I would have to speak with the Relationship Manager for my account. Per Mr. ** he has sent several correspondence to the relationship manager and have yet to receive a return message or call. I too have contacted the relationship manager every day last week to no avail.

We have been a longtime Ocwen customer who has recently been transferred to PHH. This has been nothing short of a nightmare. We had just completed our loan modification with Ocwen and received all of our new payment info. We tried to call last week to make a payment and they told us they have not received all of our paperwork from Ocwen so they couldn’t take our payment. Then, we call again today to try and make our payment and now they told us to call next week. Our payment is due now and we can’t make a payment for the life of us. They have our loan on file but because of the lack of communication between Ocwen and PHH we can't make our first payment with the new company. What do we do? We call and get transferred all around, our “case manager” is never available, and no one can give us a direct answer.

Updated on 06/12/2019: I had put a post on here May 31st about the troubles I was having getting a refi complete. I marked the original post resolved when by some miracle on 5-31 I received an email stating "Good news. Your loan is now approved." Well I thought that everything would move forward from there but how wrong I was!!! On 6-4 I received an email asking for items I had sent over 2 months ago. I was told my payoff amounts that I had sent 4-25, at their request, needed to be reviewed, fair enough I had made 1 or 2 payments on each since then so I had to call a company CBC and get on the phone with 4 of my creditors and verify what I owed and when I made my last payment. I also had received a letter from PHH ombudsmen stating they would get to closing on the 6-12. So I took the day off and now they are still not ready! Really?

I have been a PHH customer since 2008. I did a refinance in 2015 and stayed with PHH. Since then, I have had nothing but problems. My husband fell ill last year and is unable to work. I entered into a forbearance plan in Nov 2018 for 6 months and completed all payments on time and according to the forbearance. In March, I submitted all paperwork to PHH for a loan modification since I was nearing the end of the forbearance plan. I have placed several calls to PHH and never been able to reach my case manager. I always ended up speaking with others in the department. I have spoken to team leads and to supervisors. I can never get a straight answer, only that my account is still in review.

I called because I send my bill out the day after I receive it and wanted to make sure the month of June would be covered if the check were made out to Ocwen. The representative said it would be fine. Thanks, Dennis

I always pay six months towards my mortgage twice a year and they had not been applied properly so I called and it was taken care of immediately. I have always had a great relationship with PHH for which I’m grateful.

Have had PHH for 2 different houses. Purchased this house 2006, never late on payment. Feb. 2019 had total knee replacement causing me to be out of work for 6 months. June 1st called to try and get 1 or 2 deferred payments even if I paid interest only. Their response was, "We have no program for that," if I was 2 months behind they have a program that they could cancel all payments for 3 or 6 months with all payments due at the end of that period with a balloon rate. In the past they would call or mail us every year prior to Christmas if you were in good standing and ask if you wanted to defer a payment to the end of the loan for the holidays. They simply want you to be behind to get extra fees or have you lose your house. After the settlement for being part of the mortgage meltdown they simply are brain dead as a creditor. Absolutely no help to their mortgagees. Last mortgage with PHH.

My mortgage was purchased by Ocwen in 2014 from GMAC. Ever since that time it has been a proverbial nightmare. The last hurricane in my area (Florence 2018) left my home and finances a shambles. I asked for and was given a 90 grace and repayment plan, only after I called three times. No one had ever heard of any such thing!! (Imagine that!) I was making the payments on the repayment plan although they were difficult for me. In January 2019 I was informed by my VA rep, I should apply for a loan modification. (How hard could this be people. I only owe 10K on the original mortgage and the maturity date isn't until 2032.) I was told I could not apply for a modification unless I stopped the repayment plan agreement, it was the only way it could be done. I did so but with much consternation. This put me a month in arrears, and sorely affected my credit rating as I had a 30 day late each month. I watched my credit score go from 720 down to 619.

I called to request a copy of my statement, the customer service rep was very helpful. She listened attentively and my statement was immediately emailed to me. She also informed me of the mortgage being transferred to another company.

Was an Ocwen person, PHH bought them out. I have NOT made an actual payment since Sept 2018, I want this property to be foreclosed on and PHH refuses to do this and wants all the added fees racked up. I also called twice and emailed 8 different times putting my new wife on this account so she can talk to PHH while I am at work and they REFUSE to talk to her even after calling to put her on this account. BAD BUSINESS.

I have been very pleased with Ocwen Mortgage Services. The bank is only 5 minutes from my house. I was able to drive my payment into the bank. They worked with me to keep my home whenever I was late. The staff is very courteous. They explained all the information I need to make the transition to PHH bearable. Thank you Malissa, Linda **, Robert **, and Mayur **. I'll never forget you.

Ocwen’s customer service agents have always been helpful, knowledgeable and patient. We really like their website and online customer portal. It’s easier to make payments, pull records, or just review account history. We’ve worked with many mortgage service lenders over the years and Ocwen has been the best.

I have been a long time customer of Ocwen. No letter was send that they are merging with PHH. PHH has been a nightmare because every time you call you get someone offshore. I guess there are different laws when you are dealing with customer service offshore. PHH will not hold any responsibility for their actions. I have called in regards to my payments which were all made but now they tell me that I never made it.

Ever since my loan got transferred to PHH from Ocwen Loans all of a sudden "am in default" of my payments. My bank statement indicates the contraire, and every time I call to clarify my statement the operators always come with such excuses like "sorry the system automatically applied your payment to escrow account". Bottom line with all due respect to the operators but PHH SUCKS BIG TIME.

I have been an OCWEN customer for the past 10 years, and have now been caught in the transition to PHH. My experience is similar to others here. I was in the middle of 3 month trial for a streamline loan mod with OCWEN when I began receiving mail from PHH Mortgage. I never received any notice that my account would now be serviced by PHH. To verify what was going on, I called OCWEN who confirmed the merger/acquisition and transfer. OCWEN assured me they had forwarded the last two payments to PHH, but instructed me to call PHH to discuss the upcoming 6/1 payment. I called PHH and they were able to confirm they had received the 2 payments, but were not able to provide any update regarding the loan modification, except to say that it is still "under review" and I should make the same amount payment directly to PHH.

I was with OCWEN for many years and they were good, helpful and willing to help their customers. Recently May 1 to be exact our mortgage was transferred to PHH. Since that time I've had a horrible experience with this company. I've been trying to get setup on a repayment plan because I fell behind a few months. They refuse to take any payment that I try to make. I get paperwork with my Case Manager's name and number + extension but when I call in to get to that extension the IVR tells me that it can find it. I've emailed my Case Manager and haven't receive a reply. I went to the website to upload documents to get some assistance or setup a repayment plan. I was told that I need to send 3 months payment when I'm only 4 behind and yet they won't accept a single payment. No flexibility or not even trying to work with your customers. I wish that this transfer would have never happened. I would not recommend this company to anyone.

Transfer of Service from Ocwen to PHH. I called and spoke with a representative and asked if they accept the same terms like Ocwen where you had up to the 89th day to make one monthly payment and he could not give me a solid answer. He said at 45 days a letter is sent and gives you the date and amounts to pay. I can only afford one payment at a time right now and will eventually catch up. I am behind right now and can only afford the one monthly payment. I need to know how this works. When I get that letter can I still pay one monthly payment...

I just want to pay my bill. Why is it impossible every stinking month. Im giving! It says I don't exist based on all of my information. I'm ready to pay thousands in closing cost to get a new mortgage company t

PHH took over my Ocwen mortgage. Last payments made to Owen, PHH did not credit to my account. It is almost like they are trying to make you late and have a bad credit score. Also the website is terrible just like all the other reviews state. Absolutely terrible company to deal with. Customer service was not helpful. They kept saying "call Ocwen"....thought PHH had the account?? Phone was horrible on their end and I could barely hear the rep. Left me on hold for 15 minutes, came back with no information. Terrible, terrible customer service!!!

I am the executor of this loan. My brother passed away on September with cancer. My brother had a loan with Ocwen Mortgage. I spoke with informed we would be selling and was informed no problem. The loan www bought out on May 1st 2019. I received a letter on May 17th. Dated May 9th. I call May 20th and spoke with a employee from PHH Mortgage and was informed that we had 30 to 45 days of the letter to bring the loan current before going into Foreclosure.

Was transferred to PHH from Ocwen. Like the others, never had a problem with Ocwen. I was assured with certainty that my mortgage would be automatically deducted. When that didn't happen, I called the company and was told I was not set up for auto payments, and I have a late fee and possible downgrade to my credit score. Even worse, there was NO record of my previous phone calls which guaranteed the auto payment was correctly in place.

Our loan was recently transferred to PHH (April). We are selling the property at the beginning of June and requested a payoff balance. We were told that it would take 15 business days and a by mail/fax only receipt. The customer service rep did not address our questions and clearly followed a script. She also mentioned that they had to calculate it manually, which makes no sense. We are now closing escrow, with no payoff information, which impacts a great deal of other items negatively. Most lenders can get you this information in 2-3 hours of that. We are beyond frustrated. It was the worst customer experience I have every had, especially given the nature of the matter. I DO NOT RECOMMEND PHH.

We are new to PHH so we cannot really give any opinion with so little experience under our belts. Our first customer service call was excellent and it that is a barometer for the future, we will be very happy.

Worst experience. Save yourself the aggravation and go with anyone but this company. If you call PHH, plan on spending a long time to a very long time on the phone. Frankly, it is easier calling AT&T. PHH is refusing to release the insurance money to pay for the damages to my house caused by a driver hitting my house. They claim the inspection is only 99% complete because I need a pool cover. I don't have a pool, my claim doesn't even involve a pool. Further, I signed an inspection form stating my inspection was 100% complete. This company lacks competence, it is rare to talk to someone who can actually help.

No complaints, great customer service. Whenever I talk with someone they are always very professional, polite and courteous. I was explained to by the gal I talked with about the new change coming. Hopefully, they will be as nice as the employees of OCWEN.

So PHH took over my Ocwen mortgage a few months ago. I think I have made 3 payments to PHH and so far 2 of those payments PHH has just put the funds towards my principle and not applied the funds to the monthly payment. The first time it happened I figured it was just a mistake but now they have done it again. It is almost like they are trying to make you late and have a bad credit score. I mean why would they take a normal monthly mortgage payment and just randomly apply it as a additional principal payment. I could understand if I sent in multiple payments in the same month but even then I would think they would just call the customer to confirm. Also the website is terrible just like all the other reviews state. Absolutely terrible company to deal with.

Been trying to make my monthly payments. Impossible!! Same as all other complaints!! I think this company is a total scam. I think they want owners to go in foreclose to get control of our homes!!! Time for a lawyer!!

We have been with Ocwen for years and was very pleased, now we have been transferred to PHH mortgage and can't make payments online. We were told that we wasn't in the system to make payments. My husband mailed a payment and was told by a PHH representative no payment has been received. Then we explained that my husband was out of work and Ocwen set up a payment plan. Now this place saying we behind will be sent an intent to foreclose. We have been in good standing with Ocwen up until this year due to a loss of employment. Before my husband sent the payment he spoke to two different customer service representatives and was told that they see our payment plan. I feel this transfer was unorganized and the representatives are not qualified.

Never had an issue with OCWEN EVER. Now with the transfer to PHH I have experienced every 1 star complaint review I read. I sat on the phone for 30-45 minutes to be answered by an answering service in the Philippines... I was told they were closed and the answering service knew nothing about my account. Told me contact them tomorrow. Yay Can't wait until tomorrow. Oh and I'm sure an automatic response will come up showing their care and concern.

"Helping Home Owners is What We Do" is the tagline this FRAUDULENT COMPANY USES. It's printed on all their direct mail. This is what I call MAIL FRAUD. They've done nothing but try to destroy my life. No one can help. Politicians lie to get in office and the lie to stay. They're in the bed with the banks STILL.

I am writing this note to thank the OCWEN staff for their availability flexibility, and willingness to work with me to keep my house by stretching the arrears through a more manageable amount and payment period.

Ever since Ocwen and PHH have merged customer service is utterly ridiculous. Each time I have tried to log in it NEVER works. And you can forget about reaching customer service to help resolve the problem because there is a definite language barrier. Everything was supposed to stay the same as far as logging in for the first time. I followed directions creating an account with PHH. However every time I try to log in it says no such account and brings up security questions I would have NEVER used for verifying my account. When I ask for a new link to reset the password, I follow directions and then they tell me there is NO such account after I put the Loan number in from my statement. Each month you have to spend hours just trying to login to make your monthly payment. Guess I should refinance with another bank.

They convinced me to refinance and after months into the process they denied me and then charged me late fees on the entire amount of my payments that I had not paid (the original amount of my note not the amount they took it to during the process). I put me in a bend and I have been for a while now since they did that. I have been in my home for over 26 years and when Ocwen took over my loan I have hated them and wanted to leave this house and let them have it. I hope PHH will be better.

Sent in 2 payments in beginning of April to address the gentlemen had told me on the phone. Here it is May 14th and no sign of payments being posted or checks getting there only to fax copies to the research department to find out they don't call you back you hear back by mail. Are you serious.... can't even get online to make payments anymore or get the statements. Gentleman gives me the number to tech support and of course get hung up on.. What is going on with this company but yet they're the first to say "oh you're 2 months behind." No your new company is awful and crooks..

I tried calling this PHH regarding a mortgage letter regarding a home that was discharged in bankruptcy. I am not sure how Ocwen sold an account that does not exist any more. I attempt to call and was placed on hold more that 30 minutes 3 times. I attempted to email and the email was returned-un able to deliver-customerservice@mortgageservices.com. I am concerned this is a scam.

Today is my first time reaching out to this company since they purchased my Mortgage from Ocwen which I had no problems with Ocwen. As soon an I received notice from Ocwen that my mortgage was being purchased by PHH, I immediately started sending payments. I always paid more than my actual bill with Ocwen so once I finally received correspondence in the mail, today, I decided to give PHH a call to verify my payment last month because my second payment to this company is scheduled to be sent by my bank this week. I was on hold for 10 minutes before someone picked up after hearing someone answer several times with clicking noises and then put me back on hold.

My loan through Ocwen was transferred to PHH for servicing in May. I'd been trying to make my payment online with Ocwen and getting errors, but today I got a letter notifying me of the change, new website, new loan #, etc. I finally got my online access set up and tried to make my May payment, however you can only pay via debit if it has one of three cash system logos on it, which mine does not have.

This company should be out of business. They always add fees to your monthly statement like “home inspection” or “mortgage review”. The customer service is nonexistent. They are so fraudulent with so many fines. How are they still in business?

PHH is mortgage is awful, their customer service is bad and they don’t help you, it’s like speaking to programmed robots. I was in a repayment plan with Ocwen due to major surgery and loss of income in early 2018, and unfortunately I was in a major car accident in January of 2019 which left me with multiple pelvis fractures and unable to walk without an aid. Anyway I was forced to stay on bed rest for 2 months whereby giving the fractures time to heal followed by 2-3 months of physical therapy. We struggled to make 2 additional mortgage payments and then we were told that PHH was taking over our mortgage. We then told them our situation and they advised us to apply for mortgage assistance 3 times and every time they denied us.

I have been going back and forth with support. My account has not been transferred. I keep sending details and all I get that it has been escalated. I try and enter my account manually which Ocwen said my new account would be and still the system doesn't accept it. I am afraid to mail my mortgage payment as if now it doesn't exist in your system. Probably my payment would get lost and then be in a bigger problem where my mortgage would be in default and then my credit score would be impacted. THIS BETTER BE RESOLVED BEFORE 5/16 which after that I am LATE!!!! Doesn't PHH test their systems before the date gets migrated especially with your mortgage where financially impacts a person. - Max

I have tried repeatedly to make my April payment. I got caught in the transfer and they are saying I can only pay by mailing a check. I know how this works! They will say they never received it and I will have a huge fight on my hands!!

I received notice that my mortgage from Ocwen was being transferred to PHH Mortgage. I was given a payment address of PO Box 371458, Pittsburgh, Pennsylvania, 15250-7458. I sent in my payment for March, even in the absence of an actual statement. When no statement arrived in March for April, and wanting to pay on time, I sent my payment for March to the same address on March 27, noting that PHH needs to send actual statements.

I have been trying to get a temporary stay... on my foreclosure scheduled for May, 20, until the end of May, I now work internationally, I‘ve tried several times to wire internationally past due payments but Ocwen has kicked the payments back twice, I am now with PHH as of May 1, 2019; I’ve asked PHH to give me until the end of the month to make all payments current, because I will be flying back to the U.S. to send the payments from my U.S. Bank account. The PHH customer service, has been anything but helpful, I’ve received three different addresses to send payments to and PHH agent stated they don‘t have a way for me to wire a payment or past due payments. Please let me know the correct contact to speak with to help me keep my home. Thanks. Frustrated!!

My home loan with Ocwen Financial Corp. is nearing the end. I have two payments left on my loan and I must say I never had one issue to date. I am currently looking to finance another home and use my paid off home as a rental. My next step is to talk with Ocwen on a second mortgage. If the interest rates are right I would love to use Ocwen Financial Corp. for a second round. Thanks for the many years of great service.

I have been with Ocwen for many years and always had a great and positive relationship with the organization. All experiences have been explained in detail and timely when dealing with customer service and relationship managers.

I'm going through a hardship that is causing heartache. My relationship manager is very compassionate and understanding. He is currently helping me with a modification of my account. Everyone at Ocwen is so nice to speak to. Also, Ocwen has been very patient. I strongly recommend them to anyone who is experiencing a hardship.

I've been with Ocwen for about 20-years. I would go online to my account, schedule a payment & boom, be done with it; no issue. I was notified in April that my loan was being sold to PHH services and my life will never be the same! After being on the phone for hours-on-end-today, I was told by a very nasty rep that I could no longer make a payment online because I filed Bankruptcy back in 2008 and that I would have to pay fees in the amounts of $10, $7.50 or $18; well this is simply silly. So you guys are going to swindle me out of money???? There should be a law against companies like you! Octavia ** Maple Hts. Ohio.

We were transferred from Ocwen Servicing, who we were very very happy with, to PHH Mortgage Servicing on 5/1/19. We are three months behind all the time BUT we always get one payment in by the end of every month so we never go into four months delinquent and then they can ask for the entire four months. An escalation manager at Ocwen told us we had to get our February 2019 payment in by May 1, 2019, which was the 89th day after last payment and that was one of their rules. That it had to be in by the 89th day. We Fedex'd the payment to Ocwen and it was received by them on 5/1/19 and signed for.

I have been a customer with Ocwen for way over 10 years. We were working on a Home Modification loan at the time I received a notice that my mortgage was transferred to PHH. We about to make our 3rd payment in the trial period at Ocwen to get us approved for the modification. This was put on hold due to PHH not accepting any payments for the first week or so after the transfer. I immediately called Ocwen and they said that my account was in the process of being transferred to PHH and any payments and information was from PHH now. I already was having problems with them and was trying to get my account in good standings This lead me to have trouble Making payments and I applied for a new modification and got the run around after submitting all required info requested.

PHH bought my mortgage from Ocwen in April. They keep telling us we need flood insurance and won't accept the sealed letter from FEMA that states we do not need flood ins. You have to wait at least 45 minutes on hold to speak to someone. They keep threatening to buy the insurance and charge us for it but when you call no one answers or returns voicemail. This company is a joke. If I could give no stars I would. I hate you PHH

The domain they chose is appropriately named mortgagequestions.com because you need to be asked a password, 1 security code and 3 security questions. What's worse is if you use Firefox you'll get put into an endless loop that will prompt you to call an 800 number to speak to customer service. Upon calling the number you'll be then prompted by several more questions asking you to enter last 4 social security and phone number and then prompts about why you are calling.

I've been an Ocwen customer for years and always able to reach them by phone. Since the transfer, my mortgage is inaccessible by phone/online. I've tried to contact the company and have been getting error messages on phone and online links. I'm extremely concerned about the state of my mortgage. I need to hear back from someone ASAP.

Tried to go on to the website to make a payment. Nothing is coming up. Paid last month over the phone. I really am concerned about if this is a legitimate company. This weekend, two women were in my yard taking pictures of my house saying that they were told it was in pre-foreclosure. What the heck? My payments are current. I am about to call the Better Business Bureau, HUD and the local media if I don't get this resolved ASAP!

Since I first started as a customer with Ocwen, customer service has always been outstanding. They explained everything I needed to know every step of the way until I was finally approved. From then on, everything has been great, customer service reps always readily available to help with any questions I had. All in all, I am very happy with Ocwen's customer service.

My mother passed away in November 2018, and the mortgage for her home was with Ocwen. Beginning of April they transferred to Ocwen... This has only been a nightmare! I paid a payment early April & it was never taken out of my account, therefore I cancelled that payment with my bank and decided to send a cashiers check. It has been since the 19th of April and the check has not been taken out. I called PHH and they said I am not listed as a authorize user, which is wrong! I sent in my letter of administration and they won't find it for some reason. I am 26 years old and this house has been in my family for almost 15 years. This is the only thing left from both my dead parents. I am highly annoyed and frustrated. I have an excellent credit score and this company is ruining it. I have contacted the BBB and also a real estate lawyer. This is not acceptable. I am scared to make payment for May in fear that my money will be lost.

We had bought a house in Sep 2016. Paid every month no problems other than they messed up the escrow.... Then in Nov 2018 I called Ocwen to let them know my husband had surgery and would be off work for 12 weeks.. And we only had my income.... And I would pay December's payment but Not Jan of 2019... And would get it caught up by Feb. 2019. They wanted me to apply for help but said it would take a while to get it done. By that time my husband would have been back to work and we would not qualify...

I tried to make my arrearage payment and couldn’t do it online. I also couldn’t make it over the phone. Finally I reached someone and they advised me to call lawyer's office it was in foreclosure. Please look into this matter. I have owned this property for over 30 years and do not want to lose it. Thank you.

Very disappointed with this service. Mortgage was transferred from Ocwen and the agent I spoke with was rude and not equipped to help or direct me where I could go to make my mortgage payment. Can someone please contact me ASAP? Already disappointed with this service and I haven't even been fully engaged with the team.

I went online to make my monthly mortgage payment, the account was transferred to this company. I was never notified us. I have called and sat on hold multiple times. I just want to make my mortgage payment, that should not be so difficult in this day and age. Lack of notification and the inability to make the payment timely is upsetting. I will escalate this for resolution.

I had a question about my mortgage account. The person I spoke with was very helpful and patient, describing to me in detail what steps I had to take to accomplish my task. I would recommend PHH to family and friends for their excellent customer service.

Updated on 5/14/2019: I posted a review a couple of weeks ago about inconsistent and unhelpful information provided by their customer service. I received a prompt response from PHH here referring me to the Office of the Ombudsman. I have since been dealing with Nicole (who left and never followed up with me) and someone else. Both were very kind and helpful, but neither could provide me with any information regarding the great riddle of why it took so long for my payment to be posted and processed. Both confirmed the payment was received on April 18. Yet it was not resolved until May 2 or 3. I understood when paying off the mortgage it would take a few days to be processed... but not 12-14 BUSINESS days (2 weeks). Moreover, it seemed as though the date the payment is received should be the payoff date, even if you (PHH) opts not to process it for several more days.

I have been a customer with Ocwen for way over 10 years. I received a notice that my mortgage was transferred to PHH. I immediately called Ocwen and they said that my account was in the process of being transferred to PHH and any payments and information was from PHH now. I already was having problems with them and was trying to get my account in good standings after they changed the amount of my mortgage modification and increased it twice after I had kept up with payments. This lead me to have trouble Making payments and I applied for a new modification and got the run around after submitting all required info requested.

After my transfer from Ocwen to PHH this March (2019), I followed instructions given to me by both Ocwen and PHH Mortgage to send a payment (check) to P.O. Box 371458, Pittsburgh, PA, 15250-7458. I sent it just a few days before my due date of April 1st. Then, a week before my next payment was due (May 1st), I received a letter from PHH that they had not received my payment for April. I made several calls to them where representatives kept telling me I should have sent the payment to P.O. Box 94087, Palatine, IL, 60094-4087 which is on my new statement for May. They told me to call back 24 hours later each time I called.

Over the last 2 weeks I have been trying to make my first payment with PHH. Website won't let me make a payment, the phone payment system won't let me make payment. I have literally spent hours on hold. Today alone I was on hold 6 times totally over 3 hours. I still haven't spoke to anyone and now my payment is late likely messing up payment arrangements I had with Ocwen.

PHH merged with Ocwen. I have two mortgages one was automatically auto debted being switched from Ocwen. The other I have been trying to pay relentlessly. Call hold customer service answers I am a preferred account have to transfer you hold hold hold all day hold and then suddenly silence hangs up. I am trying to make a mortgage payment to avoid a thirty day late. Apparently I can pay $15.00 dollars to make a payment don't really want to. Not my fault. You can't answer the phone. Merged with Ocwen. Please provide me a phone number where I can get service. Thank you especially since I'm so preferred.