Product: Mortgage

CFPB Complaint # XXXX RE : Loan # XXXX - Unsatisfactory CFPB & PHH Mortgage Servicing Legal Counsel Response : 1. This Consumer Complainant /Mortgage Holder initiated compliant in XX/XX/ due to serious errors in Escrow Account - negatively impacting mortgage statement and upon financial interests of Senior Mortgagee on fixed budget - with consequent PHH publishing of " erroneous '' Statements of default and other un-nerving Notices - having both credit ; financial ; and emotional negative results. 
2. Compliant was sent with formal legal documentation - " proving '' : A. both account errors and source of mistakes due to PHH " overseas '' Escrow Accounting Dept. using erroneous data and highlighting errors as per actual real estate taxes used to determine " correct '' and " actual '' taxes. B. In essence - rather than to correct such as required under RESPA - PHH choose [ in following practices of parent company Ocwen ] to continue to " arbitrarily '' not just continue to issue " false '' statements - but to raise monthly mortgage and charge additional " unqualified '' assessments. C. PHH further instituted " new '' policy in XXXX XXXX by " prematurely '' publishing & sending out early monthly mortgage statements ( supposedly due to PHH company " bi-cameral structure '' ) which not only did not properly reflect " prior month '' mortgage payment ; but included other " misleading and false '' statement data. Hence, the Statements were neither " current '' nor " correct ''. 
3. Despite again sending, " third party '' official financial institution records as proof of payment " on time '' and other documentation noting errors - PHH and then PHH " outside '' legal Counsel - would answer by sending " general " answer that company is in compliance and including " invalid '' and " erroneous '' PHH Escrow and Statement data as supporting material - but which had been previously " challenged '' and " proven '' to be wrong and on record with proof, thereof - rather than " address '' and reply to those specific Compliant issues. This continues and CFPB further " accepted '' such response from PHH/Counsel WITHOUT investigation and/or review as to validity of response ; and/or as properly addressing " core Compliant issues '' as required and demanded - under both RESPA and provisions/purpose of U.S. Dodd-Frank Act - as well as ignoring facts/history of national Compliant litigation against parent company Ocwen, ( and reason for necessary name change ) ; and pursuant to Ocwen National Settlement Agreement which legally required " instituting '' changes ; reform ; and restitution for such " cumulative '' mortgage consumer abusive and " unfair '' practices - as well as to " settle '' nationwide Class Action Legal cases versus both Ocwen and investor XXXX XXXX  - and whereby, both legal cases and law have been previously cited by this Senior/Veteran Complainant. 
4, Thus, neither PHH nor CFPB offers Consumer Complainant/Homeowner any " real '' and/or 'substantive '' relief and " correction '' of unacceptable mortgage practices ; nor relief under the applicable Federal and State statutes as his right ; and " intent '' of Congress in passing such legislation. Accordingly, neither CFPB practice of " closing '' a compliant case " prior '' the Consumer having the opportunity to review such appears " counter productive '' and waste of the U.S. Tax Payers money - as really serves no " assisting '' purpose as envisioned by the Legislative Framers to " investigate '' Complaints to determine just not " compliance '' to the Law but to further determine how " wide spread '' such possible abuses extend ; and to whom is most affected - but not in any way extending " individual '' legal assistance to those Complainants. However, CFPB notice of " case closed '' without comment - does little to enforce the law and/or to increase U.S. public confidence in the CFPB mission - as attested by millions of U.S. citizens that lost their homes in the Great Recession and now in the Covid-19 Pandemic. In fact, had CFPB senior management previously taken a more " hand on '' policy to enforce both RESPA and Consumer Law before " glaring '' national and repeated episodes of Mortgage company abuses - a significant number of deserving American homeowners could have perhaps " averted '' their homes and self security - as a threst in this instant case. Therefore, CFPB and PHH actions/response is unacceptable and unsatisfactory. XXXX XXXX XXXX, Consumer Complainant