Consumer complaint received 2019-01-16
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ADDITIONAL INFORMATION ADDED TO CLAIM XXXX  IN PROGRESS Since XX/XX/XXXX when I filed the above CFPB complaint, so much more has occurred and it would probably take 20 pages to explain everything. I will now attempt to simply state the core additional issues and then act appropriately to the next step : There are more errors, abuses, mishandling, misrepresentation, conflicting messages with loss mitigation in conveying messages to me, covering up of illegal tactics, Illegal tactics, themselves, Violations of so many acts such as the Fair Debt Collection Protection act, My Bankruptcy Injunction- I got a discharge in a chapter XXXX on XX/XX/XXXX and again in XX/XX/XXXX that they have ignored on more than one occasion, starting the foreclosure process in XX/XX/XXXX and waiting as they watched my XXXX case until approval in XX/XX/XXXX then after 4 years make a move which lead them to offering a Loan Modification of terrible terms. Why was my condo not foreclosed in XX/XX/XXXX or XX/XX/XXXXwhen you denied me any Homeowners Assistance for a reason that was not correct? They waited and preyed on my XXXX not foreclosing as they said they were going too, until acting 4 years later. Why would a Loan Modification be offered in XX/XX/XXXX when my bankruptcy discharge held me not liable for any money on this loan on a personal basis. They could and should have used their lien to foreclose. Not offer a Loan Mod. In the loan Mod they " deferred around {$46000.00} which I was told I would not have to pay at this time but too only pay on a lesser amount. and the loan Mod was 40 years at 4 %. I never reaffirmed this mortgage at anytime. They can not come after me for a judgment deficiency, No mention of my discharge was stated any place in the loan mod documents. Because of these unfair actions against a XXXX homeowner this was done in bad faith, illegal and had violations that occurred that is what put my loan in default to a point I could never pay. Violations of The consumer Protection act, manipulations, misrepresentations, abuses and errors, Fraud, this company was cited in a civil action case recently for borrowers loans in foreclosure or leading up to foreclose from XX/XX/XXXX to XX/XX/XXXX and I was listed as one. I will get a small amount of money but the same actions that they were cited for then they are still doing and worse. I had a HUD approved apartment ready to go to in XX/XX/XXXX thinking they would foreclose and they did not so I lost that opportunity. I am not a lawyer and I am XXXX with a semi caretaker who lives here and is considered a Tenant in NJ but in their recent foreclosure papers nothing has been mentioned about him. I told the bank many times in the past. The Lying and straight out changing dates on letters has me stunned. They tries to offer me a DIL over the phone but not only is that bad when there are junior liens surviving a bankruptcy discharge No Bank can do a DIL. That is why they asked me to contact my survived junior lien holders to see what amount they would accept to clear the Lien. I did not deny the offer but only said I need to run this by a lawyer, the next day I am called by an appraiser and I told him to contact my bank. The Bank in just 2 days then closed the offer and cancelled the appraisal. I got Two Letters in the mail telling me I was declined because I would not let an appraisal be done! They tried to cover that up by writing a letter dated XX/XX/XXXX with the same DIL terms. I responded back, that I thought you declined it for that wrong reason but got no answer except that there was no error as stated but that is not correct for I have the two decline letters as proof that a error was made.

Company response to consumer: Closed with explanation