PHH mortgage took 4 months of mortgage insurance w...

PHH mortgage took 4 months of mortgage insurance when I refinanced my loan. The FHA loan rules which are greedy at beast allow for two months at most. PHH instead of correcting this simply channeled my calls to the customer service who did not know anything about the account apart from reciting due dates to a department that never answered my call. When I did get through I got disconnected and there was no call back.

I had to resort to the Consumer Finance Protection Bureau to get their attention and PHH spends hundreds of internal dollars on a senior counsel and processing to stall the review even further. I know what job I want, the bankers job where they quietly slip a few hundred per account enough to make it not worthwhile to litigate but enough to pad their accounts.