PHH held my mortgage for 10 years. I recently ref...

PHH held my mortgage for 10 years. I recently refinanced to lock in low interest rates. All I can say is that when you are an existing customer, they are fine because all you are doing is sending them money and you don't need to interact with them. But, when it comes to refinancing and going through this process, this company is terrible to work with. Incompetent loan processors, inability to actually escalate issues, and a customer service that doesn't know the definition of the two words that make up their role. PHH has not expressed any interest in caring for the people they do business with. Please refinance with a local bank and ask that it not be sold to PHH to service.