Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NY)

XX/XX/XXXX i had a loan modification with XXXX XXXX which i honored, i never miss a payment. Six month later the loan was transfer to XXXX ( XXXX XXXX XXXX ). Upon takeover XXXX unilaterally change the term of the the loan modification from XXXX years to XXXX years nearly double the monthly escrow escrow which trigger default again.When i asked them why the escrow on the property was so high? The answer was check with your city property tax department. I send them the proper tax bill from the City over and over again to prove no dramatic change on the tax bill just to be ignored. 
For more than 2 years they refuse to apply the proper tax on the loan and show a complete refusal to honor the previous loan agreement. They hold on it and then transfer it to PHH. The new Mortgage servicing company forced me to apply for modification again which result to a denial while the the loan still have close to {$400.00} excess on the escrow account. The reason for the denial was Insufficient income. I confronted PHH with the error on the property tax they correct it without removing the excess accumulated for the pass years nor offer any new agreement .The change on the escrow was just to make me quiet. on the payoff note The escrow is still high as off now. 
Since i see PHH is moving fast to foreclose wrongfully, i send them a letter explaining the situation with default payment plan agreement proposal with the correct amount owed one month payment according to the plan. They rejected it and stated we can not accept any payment from me. They return the check. 
Phh makes me apply about 3 times for modification. the end of each cycle was incomplete ( Missing Documents ) I send the same document over and over again. They claim they did not received them. to make sure they can play this deceptive game they no longer receive document by email but only by fax an by mail. 
We are in the middle of the foreclosure process. The referee ask them to do an escrow analysis and give the reason for the escrow overcharging. The new answer now as of XXXX XXXX is not the property tax but the default.Their lawyer give a whole new explanation stated that " they had to factor in your deferred payment and change the term of your modification from XXXX years to XXXX years because you defaulted on your loan modification agreement ''. A default triggered by XXXX because they refuse to honor the previous bank modification agreement. XXXX Change the term of the loan agreement shorten the term from XXXX to XXXX years and raise the monthly payment. 
This situation drives me crazy the fear of loosing my home is getting bigger everyday. I feel powerless been used and abuse by those loan servicer using a sophisticated scam to foreclose on my home wrongfully. Now they packed the loan with fee and moving fast to foreclose.In resume XXXX and PHH work jointly one setup the default the other move on to take advantage, steal it by foreclose wrongfully on the property while refusing to honor my original loan modification agreement.