Consumer complaint received 2018-01-10
Company: PHH Mortgage Services Corporation
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage Corporation, Plaintiff VS. XXXX XXXX, Defendant XXXX County Previous case # XXXX, dismissed New Case # XXXX on XXXX/XXXX/XXXX, now changed to XX/XX/XXXX because the attorneys say they did not get a copy of the Motion to Dismiss that I sent them. 
PHH started a case against me for foreclosure in XX/XX/XXXX, which was dismissed and now they started a new one about a year later in XX/XX/XXXX. As my document shows, PHH Mortgage shows they sold my loan to a company called XXXX in Florida In XX/XX/XXXX. XXXX shows that they are still, however, the servicer, meaning they collect the payments but no longer own the loan. 
I have always made my mortgage payments, never missed a single one until I was advised by the company to skip payments and go through a trial payment process. I followed everything PHH told me to and now I am having to fight for my familys home. As the trial payment letter states I was to make 4 payments for XX/XX/XXXX- XX/XX/XXXX, which were all made on time and collected by PHH . I even made 1 additional payment in XX/XX/XXXX because I had no response from the company on what else to do and I could not reach anyone by phone after multiple tries. The next letter I received showed that they were returning some of the money I paid. I received a check for {$2000.00}, and was told that no more payments would be received and I now needed to pay the full loan balance or my home would be foreclosed on. The checks were cashed months before and were sufficient to make a regular and/or trial payment, but the payments were never applied. 
During my trial payments I was continuously receiving foreclosure notices saying they were not receiving payments, although my checks were being cashed and when I called and was able to reach PHH, they told me everything was fine and they payments were received and the notices were sent by mistake. 
In the first case, XXXX, the case was dismissed because PHH had sold my loan indicated by the letter they sent me. Now, they come back in XX/XX/XXXX7 with a similar case, but documents are changed. There were 3 pages to my original note which are indicated by the numbering at the bottom of the document. 2 pages with the title Allonge are now added. Both Allonge pages are both signed by XXXX XXXX, Assistant Vice President of PHH Mortgage. The 2 additional Allonge pages have falsely been created and added by the Plaintiff to show some type of transaction, but they show no date to when this transaction happened. An allonge is only added to an original note when there is not sufficient room on the note, this is not the case with these 2 added pages. These Allonge pages were falsely added by the Plaintiff to mislead the court. 
There also appears to be an alteration by another Assistant Vice President of PHH Mortgage Corporation, XXXX XXXX, to the note on page 3. This was not on the document in the first case, as a matter of fact, in PHHs Response to motion to dismiss Plaintiffs Complaint, the attorneys state that The Note executed by the Defendant in favor of the Lender has not been endorsed in any way. 
Further, PHH has submitted to the court of XXXX County, Oklahoma, a Corporate Assignment of Mortgage PHH Created the document and has submitted the document to the court in XXXX County, OK. 
The document is created by XXXX XXXX, an employee of PHH Mortgage The assignment happened on XX/XX/XXXX after the sale of the note from Plaintiff to XXXX on XX/XX/XXXX. The alleged assignment in XX/XX/XXXX shows it to be between XXXX, the defendant, and the Plaintiff from the original mortgage document dated XX/XX/XXXX. This date of XX/XX/XXXX happens to be just before the execution of the previous case by Plaintiff on XX/XX/XXXX. This course of events does not make any sense, if the loan was sold to XXXX in XX/XX/XXXX, how is there an assignment 2 months later in XX/XX/XXXX allegedly giving some right to the Plaintiff from the original date of XX/XX/XXXX? 
XXXX is not a party to my case and XXXX has no financial interest in my mortgage. 
XXXX currently shows my note owned by XXXX , XXXX, formerly XXXX.

Company response to consumer: Closed with explanation