Consumer complaint received 2018-02-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (PA)

This complaint is long overdue. I am a resident of XXXX XXXX, PA. I refinanced an existing 1st & 2nd loan that my husband and I had with XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX was supposedly my new lender and PHH Mortgage Servicing was to service both loans. 
The 1st piece was a interest only1.2m10 yr ARM and the 2nd was a XXXX heloc. The 1st piece was securitized into XXXX XXXX. Unbeknownst to me, there was fraud in the origination, closing, recording, transfer and the servicing of the loan. I only began to discover the true nature of the transaction and the improper activity surrounding it after I became the victim of an engineered foreclosure by PHH Mortgage Servicers starting in XX/XX/XXXX. Summary judgement being improperly ordered in XX/XX/XXXX. 
The institutions involved are : XXXX XXXX XXXX XXXX/XXXX ; PHH Corp., /XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX , XXXX., ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Some of the various addresses of the institutions include XXXX, Fl., XXXX XXXX, NJ., XXXX , MN, XXXX, NY, XXXX & XXXX County , PA . 
The loan # 's are available upon request. 
XXXX XXXX/XXXX, PHH Mortgage Corporation and its affiliated entities improperly force placed insurance on my non escrow mortgage loan several times from XX/XX/XXXX to current. They forced escrow increasing my mortgage payment by thousands of dollars. They also improperly paid property taxes when they were already being paid. They were refunded monies from the  county and the insurance companies and never properly credited my account. I was forced to pay over {$80000.00} in false escrow arrearages under threat of foreclosure when they were already reimbursed by the reinsurer, XXXX & XXXX and the county. Even though I was paying for my own private homeowners insurance as well as my property taxes. At the same time, our eldest daughter was involved in a XXXX auto accident XXXX XXXX XXXX and rendering her XXXX XXXX. She had the same XXXX as XXXX XXXX and required lengthy and expensive XXXX. Not only did PHH not respond to my requests for help during this horrific time, but my innumerable calls and requests to correct their records were ignored and they finally engineered my default because I finally refused to keep paying unless they correct their records and accounting and properly credit my account returning my mortgage payment to the original amount. Little did I know, this was their business plan even before the loan closed. PHH filed foreclosure. I made a time sensitive cash offer to pay the loan in full thru an attorney. They ignored it and without my knowledge both PHH counsel and my counsel removed me from the XXXX County diversion program while I was still in the midst of negotiations. A default judgement was entered erroneously stating that my counsel did not make an appearance ... which he did. I fired my attorney and then was forced to represent myself pro se. During the process, I uncovered frauds that I could never have even imagined with complicity at all levels in the origination, recording and servicing of the 1st loan as well as the 2nd. There was never a trial. I lost in the lower court and unsuccessfully appealed to the Superior as well as unsuccessfully petitioning the Supreme Court in XX/XX/XXXX as a pro se appellant. Unncovering even more frauds all the while. I then was forced to file an Individual Chapter XXXX bankruptcy to stay the sale of my family home. I was included in the XXXX XXXX class action againest PHH and opted out in XX/XX/XXXX hoping to preserve my right to pursue a private right of action, which I haven't been able to do yet. My BK attorney refuses to file any objections to the PHH POC even though it is full of errors and misstatements to the tune of {$400000.00}, as well as fraudulently fabricated allonges. He is forcing me to negotiate with PHH by threatening to withdraw from my case, postponing evidentary hearings, not filing monthly reports and refusing to communicate with me despite the sanctionable actions by opposing counsel in the POC. I can not find substitute counsel that is willing to jump in at this late stage. I am at my witts end. Apparently its not worth prosecuting the long list of frauds given the lean of the judiciary. I have paid a fortune to XXXX XXXX/XXXX & PHH in improper overcharges, XXXX and now attorney fees. I have been robbed, not just by PHH but by the complicity of their affiliates, their attorneys and the court system that just keeps giving them a pass. It's literally court sanctioned grand larceny. All supporting documents and pleadings are available.