Consumer complaint received 2016-07-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (OK)

I received a FHA loan in the amount of {$120000.00} in XXXX XXXX. 
I requested XXXX in XXXX XXXX due to excessive debts and a large increase of {$300.00} a month for my homeowners insurance since my credit score lowered. I tried several other Insurance companies and nobody could help with a lower price. 
I never missed any payments from XXXX XXXX XXXX. 
My mortgage payments were going to increase by about {$300.00} as of XXXX XXXX due to the insurance company running my credit and DOUBLED my homeowners insurance payment amount, but since I did was approved for XXXX, I never had to make the increased payment. 
I got both a denial and an approval letter both dated on XXXX XXXX, XXXX. I called my mortgage company and they said it was approved and to skip payments for XXXX and XXXX, which went along with my approval letter that showed I needed to make the XXXX trial payments for XXXX XXXX XXXX. During my trial period I made all payments on time for the amount of {$930.00} as required by my mortgage company. I called my mortgage company In XXXX several times, waiting at least 30 minutes each time, asking them about the final modification. I was informed to go ahead and make another payment for the trial payment amount since it may take a while to get the modification. I made this payment on XXXX XXXX, XXXX for a total of XXXX payments for the trial period. I received several letters during my trial payment period, XXXX in XXXX and XXXX in XXXX of XXXX titled '' Notice of Intention to Foreclose '', I also received several notices on my door regarding foreclosure by someone who would go around my house each time. I called my mortgage company in XXXX and XXXX and when I finally reached someone, they said it was an error and everything was " okay ''. My mortgage company was telling me that everything was " okay '' while planning to foreclose on my home all along. 
On XXXX XXXX, XXXX they sent me a form called " Annual FHA disclosure notice to mortgagor '' that shows my payoff amount as {$110.00}, XXXX. I also received this form dated XXXX XXXX, XXXX with the payoff amount as {$120.00}, XXXX, which is now more than my original loan amount. The financial information does not add up and I have asked for financial statements 3 times, XXXX XXXX, XXXX XXXX, and XXXX XXXX and I have never received the full statements for my account. 
I called almost every day asking them for the paperwork to finalize the modification. 
I finally received modification on XXXX XXXX, XXXX. 
On the final modification, it had a lot of confusing information that even the mortgage company can not explain, they always tell me they will call me back and they never do or I can not reach them. They assigned me a case manager ; however, after dozens of messages I never received a call back. 
The final modification shows : The percentage rate is the same. 
My payment went down a little from the original amount to {$940.00}. 
There is a subordinate note and subordinate mortgage for about {$35000.00} which has to be paid at the end of my loan in 30 years. 
The modification will put me paying another 30 years. 
Now, after they have cashed all of my checks, they sent me a check for {$2000.00} and informed me that no payments would be accepted other than the full amount. These checks were cashed months ago and now they send me a check and tell me I am further behind. 
The mortgage company has filed a petition and is now suing me.