Onity Mortgage Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I've had my mortgage with PHH for over twelve years. The few times I have had to contact them have been problematic. This past weekend I needed information about my loan. Since PHH doesn't send out any kind of statements, etc., I needed to access my account online but was unable to do so. I called customer service and was told the site would be down all weekend. I tried again on Monday but my login information would not work. I tried having them email me my username but they said they couldn't find me! Then it said I had made too many failed attempts, and locked me out. The site said if I haven't accessed my account in over a year or so, I need to make a new account which I tried but it said I already had an account!

Since the transfer of my loan to PHH, trying to speak to a customer service representative to discuss my loan and no one was able to help me.. How can you send in your payments and have no statements to verify that they received your payment.. Then a few weeks after they sent a letter stating that I didn’t make any payments.

Mortgage was with Loan Depot for years with no problems or issues whatsoever. Mortgage was sold by Loan Depot to PHH (whom I've never heard of); however, I was directed by Loan Depot to pay my mortgage to them on 6/29 (due on 7/1). Two weeks later, the payment has still not been deducted by either company. I called PHH on 7/6 and was told that I was not in their system, yet somehow, they could see my confirmation number of the loan payment to Loan Depot. I was told to call back this date. The rep could not see my call to the company on July 6, claims that I am not in the system and I'm currently on hold to speak to an "escalation manager" - for the last 10 minutes. My next payment is due in two weeks, they have not deposited the last payment and I can absolutely assure that the next call these people received will BE FROM MY LAWYER!!!!

I was an OCWEN Customer that has been transferred to PHH Mortgage as of May 1st, 2019. I have had nothing but problems with PHH Mortgage since then. First off, I am profoundly Hard of Hearing. PHH Mortgage does not have a hearing-impaired phone number to call so that we get someone in the United States so that the accent issues are avoided. I use InnoCaptions which is a captioning service for phone calls. When I call the 877 number, I get someone in India and the computer has problems with captioning the person I am trying to talk to. I will then ask to speak to someone in the United States and I then get passed around from supervisor to supervisor until one of them finally understands that it is not and issue with speaking to someone in India but a technology issue with the captioning services.

As others have reported. I called and made a payment over the PHONE with a customer service rep on June 28th. This payment was for May & June. As of writing this and many phone calls it is still not fixed! They see the issue, and claim the rep that took the call accidentally applied the fund the the wrong account. But since July 5th when I received a DEFAULT NOTICE!! From them and called they still have not fixed the problem. I have called every day! I feel like I am getting scammed! Who do I call????

My Ocwen HELOC was transferred to PHH on June 4, 2019. I had sold my house and had opened up escrow at that time. The escrow company, title company, and myself have been trying to get a payoff amount since the beginning of June. We've filled out the payoff form 5 times now and faxed it to the number on the form. It states that we'll get something back within 48 hours, but nothing. We've tried to call the company numerous times but all we ever get is a rep in India. They try and transfer me to the US branch but are never able to get ahold of anyone. Then, they tell me that they put a high priority note in their systems and that someone will call me back within 72 hours but that never happens. I've tried 4 different contact phone numbers and they all connect to India.

My mortgage was transferred from Ocwen to this company. It is HORRIBLE!!! I called in the end of May to find easiest way to make monthly payments, was told to call back in about 7 days, then was told to call around June 15th..still no resolution. I had been approved for a modification due to lesser income thru Ocwen and now PHH says they will approve my modification only if I agree to a Balloon payment which means I would have to pay another $32,000.00 at the end of my loan..For real!!! Asked to speak with relationship manager, who is never available.

My mortgage was sold to PHH. When this happens you get a 60 day grace period to have everything sent over that needs to be from one mortgage company to the other. They cannot report anything to the credit bureau or charge any late fees. Well - PHH has already been reported to the credit bureaus because it’s showing up on my credit, they’ve sent out multiple letters, attached a notice on my door and called me about a dozen times saying my mortgage is late for 2 months. Today is day 45 btw. The previous mortgage company has sent the 2 full payments overnight to them and they can’t find them on my account.

I had a problem logging into y account. I called PHH and was told by a recording that my hold time was about 5 minutes. That was incorrect. It was 25 minutes. The girl who answered my call was very nice and had my problem resolved in less than 5-minutes. I am again able to log into my account.

It should not be this damn hard to make a payment or speak with someone who knows what in the hell is going on! First, they held on to a payment when Ocwen transferred to PHH. Now It's the 16th and I made a payment with the representative on the 12th and they still haven't taken out the payment. It's like call them 4 or 5 times a damn month!!!

Spoke with PHH Mortgage several weeks ago. Still waiting on paperwork to get here. Can't process it online. Can't make payments, etc. Transferred from Ocwen end of May. Ocwen was always calling and communicating. This company NO.

We have been customers of OCWEN for more than 12 years. Recently, they switched to PHH and we were facing difficult circumstances and were told they would work with us, but to keep in mind they were experiencing transition issues. I tried contacting multiple office locations at the end of May for days, trying to make a payment, but the phone system was not working and not accepting payments, as well as the online system, which also would not accept payments. I was approaching a deadline and had questions, but could not get answers about how to make my payment. I left messages on their online system, but none were returned. Finally, I found a way to send a Moneygram payment.

I have tried to contact this company numerous times since I received letter on 04/12/2019 that this was new servicing company from Ocwen. I was informed if I had dispute of Ocwens fraudulent charges and fees to write a statement with in 60days with supporting documents and send. I did. it was returned. So attempted by email also returned (16x's) . I have called all the numbers numerous times.

Before the transfer of my loan I call to get my account established! I was told I would have to wait some days so that my account is completely transferred. I waited, spoke to representative and told me that my account is not reflecting as of yet. Called again and keep getting the runaround. I made payments to my mortgage as guided on the letter and my payments on the speedpay is recognized but not recognized on automated service system. I called to get help with login and asked what is the security code and representative refuse to give information and could not help. I’m here paying my mortgage and it’s not being recognized and receive a default letter of mortgage in the mail. This is crazy!!! And I hope this is not scheme to foreclose on homeowners!!!!

Terrible company! They lie to you in any form of communication or situation. Looking to report this company to the Better Business Bureau. Website is design soo poorly and is down. As of today July 14th 2019, can't access my account. Looking forward to pay off this mortgage because they are not taking my money on interest. I'm done!!!

I tried to log in today to my account. I was switched to this company from Ocwen Mortgage. I could not remember the password. Even though I submitted repeated requests via the website to reset my password, I never received an email response. I sent two emails from my personal email account and did not get any response, even that the email was received. This is unacceptable. I was on the phone twice waiting over 30 minutes to speak to someone, but could not hold on any longer.

I had Ocwen for years and had no issues at all. Now loan was transferred to PHH and it’s a nightmare. I could always log in no issue EVER with Ocwen. Now PHH you can’t log in. Always an issue and won’t let you reset anything. I was always able to sign in and schedule my payments smooth and easy. This is horrible. Then I try to call and get a message “due to unforeseen technical issues we can’t help you“. Wow!!! This is the worst I have ever seen with a mortgage company. AVOID PHH any way you can!!! Ocwen was so simple. I don’t understand how this company was able to take over when they are so awful and clearly can’t handle the loans!!!

In 2000 I had a 10 year old daughter and owned a townhouse which I hoped to build equity in as a nest egg. OCWEN had assumed my loan from HUD. After my divorce I had struggled financially entering school to complete my degree while working. The original mortgage servicer referred me to HUD. For a few years HUD placed me in a plan with a significantly reduced mortgage accumulating what was similar to a 2nd mortgage of approx 15k. OCWEN purchased the HUD loan and didn't work with me as I was seeking a higher paying job - which I secured, as they were dual tracking me into foreclose.

Excellent assistance... I was helped in a friendly and caring way. The gentlemen asked helpful questions in order to work through the problem solving process. I was able to navigate the web page to view account information.

Currently working with clients that were unfortunate enough to have their Mortgage Services transferred to this joke of an organization. Poor customer service - rude, inefficient, like to rely on the excuse of "we never received your fax or email". Too often have to speak to people in foreign countries who are challenged with their English speaking abilities. 1st settlement I've ever had where the delay was getting a payoff amount from seller's current lender. If at all possible, avoid this company.

I was dumped on PHH by Ocwen, at the end of the month of May (apparently), and so far the company has misplaced two payments. Thank you for finally sending me a statement of your activities with my account. This statement, dated June 26, and calling for a payment due on August 1, fails altogether to acknowledge two entire mortgage payments (May 30 and July 1), and mis-allocates a principal payment of $4,000, which I sent electronically on May 6.

Well, it took one day after posting this, eight phone calls from them the next day (1 wanting July's payment, the rest escalating the process), then I waited approximately 4 days which included a weekend and they finally posted all of my payments. Hopefully I won't have any more problems and I can relax and enjoy the last few years of this mortgage agreement.

My loan was transferred to this company (I will refi with Chase shortly). I have tried to pay my house note BUT I was not in their system yet. I was asked to call back around July 8, 2019. I call back this morning July 11, 2019 and still I am not in the system OR the account number I was provided was inaccurate. The customer service rep stated he could not understand me and the feeling is mutual because I have zero clue what he was saying. I have searched internet all morning trying to find an address to mail this check, I just need a wing-nut from this company to verify the loan number and address. It should not be this hard to make a damn payment.

I have been calling for days trying to get a payoff statement. Every time I call it is the same nonsense. First call I am told it will be faxed out that day. Second time I call I am told it takes 24-48 hrs. I ask if it can be expedited then I get put on hold for 20 min until I hung up. Third time I called, well over 48 hours later, I am told that the original request is still processing. This is without question the worst mortgage company I have ever dealt with.

My loan was sold by Ocwen last month I believe. Went to make a phone payment a little late, but before late fee kicked in. Well that couldn’t happen. The system want my June and July payment! Waiting for over 30 minutes to speak to someone! Did happen. Ended up mailing my payment and will now get the late fee! Never had this problem with Ocwen!

I have tried repeatedly to contact PHH Mortgage to set up my online account, since they have taken over my mortgage from Ocwen. I have had to hold for up to 20 minutes trying to unlock my online account. I had tried to set up my online account and it informed me that I already had an account, so I used what my user name and password that I had for Ocwen, which is what it said to do. I tried to have my user name and password emailed to me twice and did not receive anything. So I called customer service. Was put on hold for over 5 minutes to be told that I had to call web support.

I honestly have no idea if the ongoing problem is complete incompetence or fraud. EVERY interaction with PHH since March when they assumed this mortgage from Ocwen has been ZERO stars. No communication that the mortgage had changed hands. I only found out when I went to pay. Their website is constantly down and unresponsive. They consistently shown ZERO concern for any issues I encountered, technical and I've never had such challenges simply PAYING A BILL. Finally, thank goodness, we sold the property. HOWEVER it has been over a month and even though more than enough funds were wired to close the mortgage they have not done so and hours (so far) between myself and the closing attorney have not resolved, not to mention returned overages paid! If you have any say in whether PHH handles your mortgage RUN!!!

I've been in my home for 14 yrs and 13 yrs Ocwen managed my loan and I had no complaints. 30 days with PHH has been a nightmare. Where should I start, June 1, I tried making payments on website and was told my information didn't match anything in their system. Called number provided and was told to allow more time for my info to update in their system. They say called back Friday or Monday. Well I waited a week to call back and the wait time was off the wall. When I did get someone, still no updates, but was told not to worry, I have 60 days before being late. So no need to guess, I decided to make both my June and July payment in July and man was that crazy or not?

Updated on 07/25/2019: I have tried all workouts for my mortgage. They're saying is a lie. Helping homeowners is not what they do. Tried short, denied it. Tried modification said they can’t make the payment work to my income. Stay on the phone for 45 minutes waiting to talk to any person not my relationship manager. I would not recommend them to anyone.

All I want to do is put my son's name on the mortgage. I requested paperwork to start this process. When I didn't receive it after three weeks, I called again. Customer service said that they could see the request but no paperwork had been sent, so they processed another request. I did get that paperwork, but it was wrong. When I called to question it and ask if the mortgage was assumable, they said they could not answer that and they would send me a letter. Fast forward, I got the letter and it's not assumable. Ok, I understand. But then they told me the only way to get his name added was to refinance. I called twice to speak with someone about refinancing and both times no one was there.. I was told someone would call me back within 24 to 48 hours. No one has.

We have been Ocwen customers for years, the service was outstanding. Ocwen credited wrong account and was quick to make updates to the Credit Bureaus. I have tried to contact the new PHH folks and gotten the runaround. All I am trying to do is reset my password so I can re-set up my recurring automatic payments. How long could that take? Days? now weeks? Today they sent me to the "special accounts" group and have been on hold after my third transfer, for over 28 mins and counting. Last time I tried to do this, the Server was down? It was down for three days... It's time for PHH to invest in some new technology. I am expecting a fight when they tell me my payment is late!!! M

Mr. ** of PHH Mortgage did an exceptional job in answering my questions to my satisfaction. He was very knowledgeable and helpful. Had very good customer interaction skills. Was very patient in answering questions. Kudos to him. A great asset to the company. Keep up the good work!

My loan was recently transferred from Ocwen. I cannot register as I don’t have my loan #. I can’t send email to customer service as I don’t have my loan # and it is a required field. I have called customer service all night tonight. Hold times have been 42 minutes, 38 minutes and 40 minutes to get my loan #. I still haven’t reached anyone. There is no indication during the entire hold time how many minutes are left. There is no online chat option. Unacceptable customer service.

Trying for over 45 days to get payoff, absolutely ridiculous. My client and I have been trying three times or more per week to get a payoff statement from PHH so that we can close on a short sale property which has already been approved. My client owes PHH over $360,000, and PHH will be paid in full assuming the buyer doesn’t walk away. We literally have tried 15 times to get someone to send us a current payoff amount so we can pay them. It’s absolutely restart ridiculous and hysterical. I guess they don’t want the $360,000. Literally all we need is a payoff statement and we get the same BS scripted response from their call centers. No one in management has been able to has contacted us back.

This is the worst company and I will be seeking an attorney for my protection and I suggest others do the same. I was facing financial difficulty and I spoke to several reps trying to rectify my situation. They told me what I needed to pay to get my account current, made the payment, called to follow up on my payments and of course they tried to get extra funds. Asked to speak to a sup, one is never available. I never had these issues with Ocwen. Poor communication. I hate this company.

I have had my mortgage with OCWEN for many years without any issues. Then PHH took over and I am not able to see any information online. The loan number provided in letter from PHH is not recognized by their system. Payments are made via check, but no way of seeing when it actually was posted. I received call that mortgage was not receive, just to find out that every month check is sent on time, but PHH doesn't post until late in the month. How can that be acceptable. How can it be possible that for over 4 month I can't review my loan information? This is a very bad way of business and I am looking into ways to take further steps at this point.

I enjoyed your mortgage company tremendously. Your company has been very good to me for quite a while. Even thru the time when my house was under in the economy. I also had some times when I paid closer to the grace period rather than the first but I did manage to pay the mortgage in full. Whenever I need another loan I will come to you. Your employees are exceptional. Thank you so much for your service to me and my family.

The representative response was that of a mature knowledgeable person. He listened, understood and reacted in a courteous professional manner. Never a minute wasted with "loligagging". Just straightforward polite, charismatic and intelligent in handling the matter of my call. Thank you!

We were working with Ocwen towards a Loan Modification when the loan was transferred to PHH Mortgage Services. I was informed we would have to start over, they did not have any of our Documents on file after the Loan was transferred to PHH. I received the notice that the loan was transferred. I have called 3x. The first time I called I was informed that I would have to call back in 1 week, they could Not see my loan in the system. I called back in exactly 1 week on 6/20 and I spoke to Agent ID # **. They were helpful and gave me my new relationship Manager's contact information. Although he was unavailable at the time of my call. I called back again a few days later on 6/29, I received an automated message stating that "due to unforeseen technical difficulties." My call could not be received/transferred.

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.

All these bad reviews of PHH, I'm now scared to death. Ocwen modified my mortgage over 10 years ago and it has been smooth sailing. I can't handle the stress of potentially losing my house. Please lord, let this go smoothly.

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.