PHH Mortgage is probably worse than Ocwen in terms...

PHH Mortgage is probably worse than Ocwen in terms of ethics and morality. My loan was recently transferred to PHH Mortgage and the first thing PHH did was to strip my loan of its modification agreement I had been making payments under which immediately put me several months delinquent and into foreclosure.

I found this out today, June 12, 2019. Per Hector (a relationship mgr I spoke to today) PHH did not have to honor any previous servicing agreements. I spoke with a manager named Natasha who then said that they had the right to change the terms of the loan and deny previous agreements from being honored.

Why do this when everyone knows (including PHH) that it immediately puts the individual into foreclosure? Its cruel and immoral to do this to people.

On top of that Hector informed me that the payment I will make tomorrow will be rejected by PHH. I have been making my payments every month just fine but when PHH removed my modification agreement I was under it put me several months behind.



PHH, and Ocwen have been sued by various states for a reason. It's because they have a long track record of taking advantage of vulnerable homeowners all for profit.

As homeowners we need to band together to fight them. We cant always wait for the government to take action because the states waited years, with an abundance of knowledge about violations committed, to finally sue PHH and Ocwen.

By that time many thousands of homeowners had already had their homes illegally foreclosed on, with the homeowners being thrown into the streets with their families.

During my time with Ocwen it illegally foreclosed on my home while I was current making payments. It reported the foreclosure to the IRS and the Credit Bureaus and it also transferred the deed to my home out of my name into a trustee's name. It also sent men into my home while I was at work and they trashed my place. They poured antifreeze down my pipes and taped down my toilets and kicked in my door and changed my locks.

When I made it home I i had to be cut into my own home by a locksmith. Ocwen did not apologize. They simply removed the foreclosure and transferred my deed back into my name.

Even with violations like this I could find no attorney with the guts to take my case. Even though they all told me I had a strong case they said ocwen was so big and powerful it would drag any lawsuit out until I was flat broke. Ocwen, and now PHH, are so big they can go years committing multiple aggregious violations and get away with it too. And they know this.

In addition to suddenly revoking the payment terms of my loan, which is probably illegal, PHH has been unable to help me into logging into my online account. I've called multiple times and no one can help.

Ocwen has also closed my ability to access my online account with them.

So I cant see what changes they are making to my loan.

In addition to this, the hold times are very long and when someone does answer they typically say they cant give me any information on my loan. They lie like they cant see it and say I have to speak to the relationship mgr who they claim is the only person that can access my loan. Not even supervisors and managers can see my leak. So they say.

The relationship mgr never returns phone calls l (the supervisors dont either) and the Indian associates are hard to understand and often very rude. Quick to argue. And when I ask to be escalated they bluntly say "NO".