Consumer complaint received 2017-08-10
Company: PHH Mortgage Services Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have filed several complaints with the CFPB. XXXX foreclosed on our house in XX/XX/XXXX then rescinded the foreclosure in XX/XX/XXXX, only after we filed a complaint with the CFPB because of they illegal way in which they foreclosed on our property. We have been trying, for years to get them to prove the amounts of money they claim we owe. They are constantly changing the amounts. We want to keep our house but do not feel we owe the amounts they say we owe. We have tried to get them to reduce the amount of the mortgage in a loan modification and they claim they can not or will not. As we have gone through this process, many attempts at loan modifications that they keep screwing up, they have never allowed us to do a principal reduction but have appeared to be using HAMP guildelines. HAMP is being replaced with Flex. We asked if they would follow this. Their most recent respone was that they do n't have to because the mortgage is not a XXXX or XXXX mortgage. Why then were they donig XXXX before? Today, XX/XX/XXXX we received a notice of Mortgage foreclosure from XXXX XXXX. The sate is set for XX/XX/XXXX. We received a letter yesterday, dated XX/XX/XXXX from XXXX XXXX stating that they are representing PHH informing us that our mortgage was referred to them for foreclosure. In the letter it states that we have 30 days to respond to them in writing regarding the validity of the loan. If we have 30 days to respond, why did they already schedule a sale date or XX/XX/XXXX. We have until XX/XX/XXXX or XX/XX/XXXX if you go by the day we received the letter to deny or accept that we owe the debt. Premature sale date. So XXXX XXXX seems to be doing some shady stuff too. We want the sale date stopped, not postponed ... stopped. We have 30 days to respond. Also, we want a loan mofidication that removes all of the money we do not owe from the mortgage going back to the very frirst mortgage we got from XXXX XXXX. Another thing we want answers on is about XXXX XXXX XXXX. XXXX XXXX XXXX was an employee of XXXX XXXX. He was a predator and talked us into a mortgage when we did n't even have one. We owned our house free and clear. We paid {$340000.00} cash for it in XXXX. He was a XXXX XXXX financial adivsor. He also sold us some XXXX stock that disappeared. We can not find it and have tried to get XXXX XXXX to tell us where it is. Anyway, XXXX XXXX XXXX disappeard. I found him recently through a search and learned he was charged with fraud. XXXX XXXX needs to tell us how he was able to get us into this loan and if they ever pressed any charges against him for fraud. This entire mess started with him. We have zero reason to trust PHH or XXXX XXXX. PHH and XXXX XXXX are the same in this case. PHH services the loans. Our complaint is with PHH at the moment. But they can get these anwers since they represent XXXX XXXX. PHH foreclosed on us illegally in XX/XX/XXXX with XXXX XXXX 's help. They both knew they were not doing this legally yet they both get away with this nonsense. Fortunately, as I stated above, it was rescinded after we filed our complaint against them with you. They have put us into foreclosure many times when they are the ones who tell us not to pay like back in XX/XX/XXXX/XX/XX/XXXX. Yet they state that did n't happen. Then they offered us another loan modification that we paid the payments on but they misapplied them and sent a payment back and then denied our loan modificaiton. We have every email and all of the dates, phone numbers and people we spoke to thoughout all of this. They no longer allow email communication between me and their employees. All of whom " left '' the company. Every person that helped us is no longer there and they can no longer speak to me through email. It creates a paper trail. We demand that PHH makes right all they have done wrong. We want the foreclosure date cancelled.

Company response to consumer: Closed with explanation