Consumer complaint received 2017-01-26
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
there are several issues. I was not disclosed that PHH Mortgage was a loan servicer when I received my loan. My lender asked for impounds acct. I received a loan and an imounds account was not started but I did not find that out until later. 
we had a fire in the area and I called PHH mortgage for a 2 week extension. They said they would grant it and it was called a forbearance program. I had to sign a paper agreeing but the terms were not explained. after 2 weeks I went to make my payment and could not. I was told I had to wait 3 months and my credit would not be effected 3 months turned into 11 mos and that 's when I found out that an impound account was never stated for me and I owed years of taxes. They also started a foreclosure procedure and ruined my credit. I have paperwork and everyone I spoke with and emails stating this would not happen. So they had to do a loan modification and my payment went up but I could only be granted this loan modification IF I agreed to impounds acct. I agreed. Thats what it was supposed to be in the first place. The paperwork came out in someone elses name. PHH said I ad to sign it and have it notarized and then they also wanted a fee which they had not discussed and I had to sign it that day and have it notarized or they would forclose on my house. They would then fix all the mistake, credit, extra fees and name and send out the corrections. The notary could not sign I was the person who was on the document but that I was the person in front of them signing. Paperwork went back and they did send a letter to the credit agencies saying they reported in error but nothing was done about new documents correcting the name nor took off the extra fees. 3 years later I get a XX/XX/XXXX mortgage stament and my payment went from approx XXXX to XXXX dollars. Come to find out its because taxes had not been collected again. Yet they required an imounds acct to approve tle lst loan modification so fought with them again. This time I am getting notices notarized notices from a man call him XXXX who has several different signatures in fact they are different every time yet all notarized and they try to foreclose again on my property. They approve me for a loan mod then they dont then they do and finally after I am about to file bankruptcy so that i can get some help in finding oue why my taxes were not paid I am told if I cancel my bankruptcy plans they will give me a loan modificaton. Firt I was told it would be temporary then I was told permanent. Again I am sent paperwork and must sign it right away or my house will be sold at auction but the paperwork I get shows for 7 years and then from what I can tell the payment goes back up based off a XXXX price still when I borrowed XXXX. But again I am told sign it and I will receive the proper paperwork. So I withdrew my BK filing and gave them more money and then for the past 7 years I have been told back and fourth that no it was nto permanent that my paymnet goes up and some said no worried I am fine my modification states my interest stays at 3.25 interest only. As late as XX/XX/XXXX XXXX told me not to worry. ( I only got her help after a representative told me I would not get anyone to help me as long as I was current with my mortgage so I needed to be late and then I would get a case manager ) That my interest rate was not going up EVER not to worry about it and I could start paying towards my principle and that the loan modification did not expire and my payment was not going up. That made no sense so finally she actually was able to get a copy of my paperwork I signed as she said she was looking at it and confirmed that no my payment was not going up and the bad news was I still had 30 years to pay my loan to get the principle balance down. she assured me over and over. well in XX/XX/XXXX my payment went from XXXX to XXXX

Company response to consumer: Closed with explanation