Consumer complaint received 2015-05-01
Company: PHH Mortgage Services Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted PHH mortgage in XXXX about being out of work due to health issues. They told me to not worry and I could be put on a program that would give me a reduced interest rate and help me get back on my feet. I had been going to the doctor and got my medication back in order and was able to return to work. I contacted PHH in XXXX 2015. They said they would send me a package to complete. I completed the package and sent in the documents on XXXX/XXXX/2015. When my brother called them in XXXX, they showed that my package was not received until XXXX XXXX and they moved my loan to Foreclosure on XXXX XXXX. When he questioned that they told him they had a lot of snow this past winter. This alone shows that they are not entering packages when they are received which is a violation of several laws that servicing companies are required to follow. This should be investigated. I think they may be delaying because I have equity in my property so they will lose nothing, but I will lose everything. I am a XXXX so my brother had tried to help and they have not gotten back to him either. He has called them on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Every time they promise to help and get him a list of the info they need, but I have already given them a whole package of documents and forms and they still have not even submitted me for the program THEY offered. My brother talked to XXXX XXXX and the manager XXXX XXXX. They ask for documents I have already submitted so they say they will recheck the file and get back to him with a list of what they need. He has a check from my church ( that they wrote on XXXX XXXX ) and they say they will get back to him about how to get on the program and post the check before it is 90 days old. Now it is 90 days old. They did not get back to him. I have lost almost a {$1000.00} that could have helped. I have further damage to my credit that could have been stopped in XXXX or at least XXXX. Now I have foreclosure fees added to my loan. I am on the road so I have no idea if I will have a house when I get home or be locked out. This is the kind of pressure that caused my medical problem! I need your help desperately but I ca n't get my mortgage company to tell me or my brother what they need. I want to get on a program. I have a job and the money to get on a payment but I ca n't do it because they wo n't give me the information. I have several months ' payments. I want to have my credit back to on time, since I have been ready to do this since XXXX ( before they put me in foreclosure ). I want them to contact my brother and he can get them anything they need. I think they owe me the {$1000.00} that I had from my church that is now too old to use. I think they should get me on the program they offered. I think they should waive the foreclosure fees since this could have been avoided had they acted as they are required to. I think they should fix my credit so that the past few months that they delayed are fixed. I understand I got behind, but I Have fixed the problem but ca n't fix the loan without their help. Can someone please call my brother at XXXX. He is a XXXX and so I know he understands that they have broken the law. He will be at the XXXX in XXXX next week, but can someone please call him and tell him what is needed.

Company response to consumer: Closed with explanation