Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I filed a complaint with CFPB and had to file another complaint as the first complaint PHH did not comply with the letter they sent dated XX/XX/XXXX. I received notice today there was an answer so I am replying to the letter uploaded dated XX/XX/XXXX and will respond to that letter. I did agree to a FIXED RATE MORTGAGE XX/XX/XXXX. I never became delinquent with you XXXX XXXX XXXX. We had a fire on our mountain and I asked for a 2 week extension to pay my payment late with out penalty because my escrow would close late. you stated I needed to go into a forbearance which I agreed to and when I tried to pay weeks later I was un allowed and told I must wait for a period of 3 months. So I did. And then I tried to make payments as usual and I was un allowed again I now had to have a trial period and on and on until finally the loan was reinstated. Every month I had my payment waiting to pay and then I found out you were reporting me late and delinquent which was the whole reason I called to prevent that. In theis process we found out theat the paperwork that I have showing that my loan company set up an impounds account was never applied and so I had owed for back takes. I did not have the money for these as I did not know I needed to save for those so I was told they would be put to the back of my loan and a loan modification would have to be created. I never asked for one. I just wanted a 2 week extension. So i was told there would be no fees and the tax amount would be put on the bacl of the loan but ONLY id I agreed to an impond account which of couse is what I signed up for. the paperwork came out in some elses name and I was forced to sign it and have it notarized and told that the correct paperwork would be sent out. As you can see in the paperwork you sent out the notary couldnt properly notarize the document. It never came back out corrected but the payment was as stated and so I made my payments until I recieved a notice that my payment went to {$4000.00} plus dollars. You state in your letter thatan escrow account was set up XX/XX/XXXX for me. This was incorrect. It was supposed to be set up XX/XX/XXXX. That was a condition on my forced loan modification. Do again I fight with you because the taxes again were not paid. PHH was trying to figure out what hapened as I hade proof of letters and phone calls as to what was supposed to happen and by the way ... why wasnt my correct loan modificaton paperwork ever sent to me. After being jerked around yes I qualified no I didnt yes you have my paperwork no you do not an it looked like you were going to foreclose on my property because I recieved notice after notice signed with the same name and notarized yet different signatures so I was going to file BK runined my credit and then you came through saying you would do the loan mod but Id have to withdraw my BK filing. so I stopped everything. THe notice came again with needing money that was not discussed and again with the impounds included and an interest rate that was 3.25 and a term of 7 years interest only with an option after that time to pay princ and int but the interest rate was to remain forever and the term was to be 30 years. Those items although it appears the 3.25 was solid the other were not included and when I called they again said sign it now and we will correct it and sent it back out. That never came. Now I have a notice from you dated XX/XX/XXXX about my adjustable rate mortgage??? you uploaded blank documents about fees etc totaling {$45000.00}. That was not disclosed to me and I dont see where I signed to agree. I was told I ould have no fees but the back taxes again added to the back of my loan for your error. Further no corrected agreement ever came. AGAIN!!!!! I am willing to negotiate the original terms you agreed to. But nothing more. I will be contacting every agency I can. I will NOT give up.