Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NJ)

We have owned our home since XX/XX/XXXX and secured our mortgage through Coldwell Banker/Mortgage Service Center ( CB/MSC ). We make our mortgage payment every month within the allotted time period to XXXX. Sometime over the course of our mortgage, the loan was apparently sold without our knowledge. We were never notified of any change in lenders. Over the years, we have continuously made all our payments to XXXX and were never instructed to do otherwise. In XX/XX/XXXX, we were served with " intention to foreclose '' by an aggressive predatory mortgage lender who we had never heard of, called PHH Mortgage. During this period, PHH Mortgage refused our payments by returning our payments back to us thereby, prohibiting us from making any mortgage payments placing our loan in serious default. We requested our payments be held in escrow by our attorney. Our total sum was presented to the XXXX County court judge, where after the case was promptly dismissed for insufficient proof by PHH to show default by us, [ the homeowners ], and insufficient proof of serving us through proper legal procedure as mandated by federal law. As of XX/XX/XXXX, PHH Mortgage is attempting yet another foreclosure proceeding against us. Since our previous experience, we have kept accurate records and confirmation of all our payments. Please NOTE : All our payments continued to be paid to XXXX, the name PHH Mortgage was never used or authenticated at any time, even after the court case. Not at any time were we ever instructed to change our payment procedure. Each year, we were provided only with a coupon-style payment book with CB/MSC imprinted on the cover with a XXXX XXXX phone number inside the book to make phone payments to Mortgage Service Center. We also never received any statements at any time. Currently, we believe that over the duration of our loan, there may have been critical errors made during the time of transfer. Furthermore, PHH has harshly imposed, what we believe to be, ludicrous, erroneous, and hostile accumulative fees stating that we owe in excess of {$10000.00} in late fees ( basically the entire term of the loan ), resulting in charges being placed against our loan, severely damaging our credit, placing us in default, and a letter of " Intention to Foreclose '' in order to justify the demand to collect on these unsubstantiated and unwarranted charges. CB/MSC/PHH has done everything in their power to ignore and delay an issue by ignoring prior written requests for our payment history, making it difficult for us to resolve an issue without legal representation, thereby incurring additional excessive costs, placing the homeowner in a vulnerable and almost impossible situation to overcome, and causing emotional and financial duress. Once again, PHH has begun returning our payments and blocking any payments made by phone. We believe their claims to be incorrect, grossly exaggerated, and unjustified thereby causing egregious accumulative and excessive charges, and we also believe CB/MSC/PHH will go to great lengths to validate, impose, and collect on these bogus charges. Furthermore, we have also questioned payments made to our homeowner 's insurance company, as they have refused to acknowledge, or purposely delayed a reply to any of our correspondence requesting information relating to our homeowner 's insurance, or our payment history. It is our belief that they have disingenuously replaced our insurance with their own, thereby forcing us to bear additional unwarranted charges. According to XXXX XXXX, CB/MSC/PHH terminated the insurance on their own. As of XX/XX/XXXX, PHH Mortgage has begun to formally identify themselves. To the best of our knowledge, our own records show that we have never missed a payment during the entire term of the loan. We have retained an attorney who will address any disparity, although we believe these claims to be disreputable.