Consumer complaint received 2016-09-12
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is filed against the CFPB itself. 

For over four years I have been attempting to obtain a mortgage modification under the Making Home Affordable Act of XXXX. I have filed several complaints with this agency against my mortgage company siting many various violations with factual evidence in the Mortgage Modification Process. I have received replies from the mortgage servicing company with various insufficient answers, some of which I officially refuted with this agency. Beyond this, I have not received a reply from anyone to my last complaint filed against my mortgage servicing company.. 

The CFPB 's mission as stated in its own website is as follows : " We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information and stepstools that they need to make smart financial decisions. '' CFPB website - XXXX XXXX, XXXX While the CFPB is abundantly aware that for the duration of 4 years of attempts I have made to obtain a mortgage modification, I have not received a modification offer consistent with law and guidelines. But, throughout this process I have been subjected to all manner of violations including fraudulent statements, improper handling, and violations of servicing requirements without one word from the CFPB. Not one action, or word of defense by the CFPB on my behalf. 

To further outline this agencies failures to take appropriate action in the face of blatant violations of mortgage servicing guidelines by my mortgage company, please find in the attached file a letter submitted by my attorney to the Chief Council for mortgage company, and to the Attorney General of New Jersey. 

Sadly, I am informed by my attorney, that should I end up in foreclosure, that the vast majority of the judiciary in the State of New Jersey, in cases involving foreclosure, has proven itself time and again, to be prejudiced in favor of the banks and not the home owner. The judiciary in New Jersey in foreclosure hearings, has adopted an overwhelming 'need for speed ' to reduce its case load, and thereby consistently withholds indeed ignores any and al serious consideration of well documented complaints with solid evidence of serious violations of the Making Home Affordable Act, and established mortgage servicing guidelines, by the banks and mortgage servicing companies during foreclosure hearings. 

The NJ judiciary typically views homeowners such as myself as 'freeloaders ', giving no weight whatsoever to my growing personal liabilities as evidence of cost to me, the homeowner. My personal liabilities grow every day as a direct result of the violations and fraudulent acts committed by the mortgage servicing company. 

Six plus years after default, and after 4 of those 6 years of watching my liabilities relative to my mortgage mount, I continue to await any word from the CFPB, and long overdue satisfactory responses from my mortgage servicing company for the many complaints I have filed. During all these years, I continue to sit, wonder, and watch as this agency completely abnegates its responsibilities to me, and paying no attention to factual evidence brought to the CFPB 's attention! No action by the CFPB despite overwhelming evidence of violations presented.to it. 

If I lose my home in a foreclosure proceeding, wherein no consideration is given to years of factual evidence against my mortgage servicer, I will be left with the sad unsatisfied feeling of having been ignored by the one agency here to help me - The Consumer Financial Protection Bureau ( " CFPB '' ). 

Sincerely, XXXX XXXX cc. XXXX XXXX XXXX. 
cc. XXXX XXXX, Director CFPB cc. XXXX. XXXX XXXX, U.S. Senator from Massachusetts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation