Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NJ)

DEED IN LIUE EMAIL CONVERSATION OF XX/XX/XXXX to XX/XX/XXXX This memorandum is part of my CFPB Complaint Response Attached are email conversations between Mr. XXXX XXXX of PHH Mortgages Loss Mitigation Department that will prove that PHH and Mr. XXXX as an employee of PHH committed various Inaccuracies, Errors, Mishandling, Misleading and abusive Tactics Inclusive of this Conversation during my loss mitigation part of my foreclosure. 
The breakdown of the conversation will prove that The following Acts/Rules were violated : The Consumer Fraud Act, The Fair Foreclosure Act, The Fair Debt Collection Process Act and the exact kind of violations or respite violations that PHH MORTGAGE SERVICES was cited for in Their {$45.00} XXXX Civil Settlement of XXXX which I also was a borrower included in that. 

Email attached : XX/XX/XXXX Page One bottom paragraph email dated XX/XX/XXXX at XXXX XXXX  I beginning with After you called me on XX/XX/XXXX In this correspondence I wanted to have The DIL Offer that was initiated by Mr. XXXX XXXX, to be put on Hold so I can do my own due diligence. I state for now, please place the Brakes on the offer. The word Put the Brakes does not necessarily mean to come to a complete stop and close the file as going forward in this same email I explain what was meant by that word and how Mr. XXXX himself acknowledge in this email correspondence, he understood what I was trying to say and do. In this same paragraph I go on to say, I AM NOT SAYING I REFUSE TO COOPERATE and I need to do my own due diligence. In the middle of Page 1 On XX/XX/XXXX at XXXX XXXX where it begins with XXXX saying, I received your message I CAN NOT HOLD the file and later in the same paragraph XXXX says. I WILL CLOSE THE FILE. This is as clear as day that HE ACKNOWLEDGED AND UNDERSTOOD THAT I WANTED TO HOLD THE FILE NOT CLOSE IT. HE then as the email says closed the file but I wanted to only for now, to have the file put on hold so I can do my own diligence. 

Page 2 but still same email I ask XXXX to call their attorney and I go On to say just because I am asking you TO PUT A HOLD ( AGAIN NOT CLOSE ), on this, I would hope such a offer AND YOURE OFFER ( PROOF AGAIN I WANTED HIS OFFER TO STILL BE OPEN ) will still be on the table. ( Remember this is XX/XX/XXXX so the above HE CLOSED THE FILE had not occurred yet. I did not want to lose his offer or any similar ones ( AGAIN CLEAR AS DAY HE UNDERSTOOD I WANTED A HOLD AND NOT TO CLOSE. On a side note, XXXX was rushing all of this from calling me first ( I do not know what he means ) to closing a file after 2 days!!!! Something was very off with all of this. 

Page 3 On XX/XX/XXXX at XXXX XXXX XXXX states I WILL ALSO CANCEL THE APPRAISAL Having acknowledging and proofing with all the above that XXXX understood what I wanted and it was to HOLD not CLOSE the file at this point why would an appraisal be necessary. To elaborate the appraiser ( XXXX XXXX at XXXX ) NEVER came to my door and you can ask him yourself. He called me XXXX times and both times since my understanding was the deal was closed, I told him to call XXXX. 

In your decision notice attached of XX/XX/XXXX you say I am declined for Homeowners Assistance at the last page The Evaluation Summary you state DECLINED and the reason listed is I WOULD NOT LET THE APPRASER IN THE HOUSE TO COMPLETE AN APPRAISAL. When I saw that I was SHOCKED. As per all of the above the reality was that XXXX Closed the File and HE Cancelled the Appraisal. 

These documented facts for which you should be able to pull up on your side so you dont accuse me of falsifying anything, start a whirl wind that change future correspondences and previous correspondences in terms of more respite and other types of violations. First I want to wait to hear your response to this CFPB. 

You mailed me a COPY of a SUPPOSED Pre Approval for this DIL on XX/XX/XXXX, I never received such a document. I AM ASKING FOR PROOF THAT THIS WAS SENT AND HOW AND TO WHOM? ). Given your history of falsifying information, I am positive that document was made after XX/XX/XXXX so their could be some relevance to your case. There are also two copies sent both with NO DATE starting with my loan number and RE : Homeowners assistance Program Evaluation XXXX that you sent much later in a correspondence which has falsified info on page 4 saying I was Pre Approved for a DIL The other is the one I got again beginning with my loan number and an RE : Homeowners assistance Program Evaluation. which states on Page 4 I am Declined for ALL They are both not signed but the person who supposedly sent the correct XXXX came to me on XX/XX/XXXX ( XXXX ) sent from your lawyer XXXX but from a Person out of XXXX PA called XXXX XXXX as this : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX On the fourth page Under The Evaluation Summary it says Declined for the the fact I did not let the appraiser do an appraisal. ( I have already proved that to such a Lie and a cover up it makes me sick ). Here are Two more examples of falsifying your letters. 
I have enclosed a XXXX receipt saying that the documents of 63 pages were mailed on XX/XX/XXXX Certified. In the attached letter you sent datedXX/XX/XXXX RE : LOSS MITIGATION FINANCIAL PACKAGE RECIEVED, In the second actual paragraph it says ( WE HAVE RECEIVED YOUR APPLICATION FOR HOMEOWNERS ASSISATNCE AND WE WILL REVIEW IT ). I did not mail that package until XX/XX/XXXX so how could it be there by XX/XX/XXXX? In another Letter dated XX/XX/XXXX with the same RE On that same second paragraph it says WE RECEIVED YOUR APPLICATION FOR HOMEOWNERS ASSISTANCE ON XX/XX/XXXX AND REVIEWED THE INFORMATION YOU SENT Now you say you received it on XX/XX/XXXX, How when again I mailed the package on XX/XX/XXXX. 

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