Consumer complaint received 2016-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
PHH Mortgage Corporation of XXXX, NJ, continues to threaten us with foreclosure, unless we send them two more monthly payments by XXXX XXXX, XXXX ( over {$5200.00} ). They claim that we 're behind in our payments, although, from their very own Account Activity XXXX, ( which covers the entire life of this loan/ XXXX XXXX to the present ), we 're not behind at all, but in fact, are one month ahead, and not by choice. This is the fifth time that PHH comes after us for more money ; money which we do not owe! After forensically examining the above mentioned Account Activity Report, we realized that PHH Mortgage Corp., has consistently kept us one payment ahead, and for many month in a row, two months ahead, while claiming that we 're behind. They demand additional payments and as said before, threaten you with foreclosure, addidional fees and penalties, ruined credit, etc. It all started with a payment in XX/XX/XXXX which they misallocated, perhaps intentionally. They applied our XXXX XXXX payment to XXXX XXXX, which had already been paid less than a month before. From that point on, the nightmare began : Threats, added fees, harrassment calls, negative credit bureau reports, etc. They continued to perpetrate this scam by not allowing us access to their website, citing " being late '' as the reason. Of course, we had nothing but our own personal records to go on by. After XXXX, we never again received annual Account Statements showing all of our payments, fund allocations, escrow activity, balances, etc. Combined with denied access to their website and endless time on the phone trying to get information or dispute anything, basically, they kept us in the utter darkness. 
We believe that all these stratagems on the part of PHH Mortgage have been intentional and for the purpose of defrauding people of their hard earned money, and eventually forcing them into foreclosure. The web is replete with horror stories concerning this company, with many people complaining about being on time with their payments, but somehow or another, PHH claiming that they were late! Hmmm! I smell a big rat here. 
It seems clear to us now, after very carefully examining our report, that PHH 's strategy is to take your money ( future payments ), place it in a mysterious " Suspense Account '', work your money for interest, and make a hugh profit with it. For additional profits : Undeserved late fees ( {$95.00} per month, in our case ) ; purchase of additional insurances due to policies lapsing as a result of your " late payments '' ; telephone payment fees ( {$17.00} per month ) ; etc. 
This horrible company paid for our flood insurance twice in XXXX XXXX, to the tune of {$1100.00} each time. They paid our property taxes twice in XXXX ( {$2500.00} mistake ), and we 've never seen a single dollar returned to us in all these years. 
We ask : How can such a company remain in business? How can this terrible company get away with this for such a long period of time, affecting so many people, and causing so many to loose their homes? 
By the way : We never chose PHH. Our XXXX loan was " assigned '' to PHH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation