February 2021 Complaints Against PHH

Compiled from Public Data by FairShake

If you have an issue with PHH, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2021, the CFPB received 1368 complaints against PHH. PHH ranked Number 35 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: February 18, 2021

Company Official Name: Ocwen Financial Corporation

State: NC

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 19, 2021

Company Official Name: Ocwen Financial Corporation

State: PA

Product: Mortgage
Sub-Product: Other type of mortgage

Issue: Applying for a mortgage or refinancing an existing mortgage

Full Complaint:
My divorce has been final and I sent what the court has giving me as the discharge documents which its just the one sheet and doesn’t outline what the Mortgage company PHH has said. My Ex may have it but I don’t have access to it. Please can you help?

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 19, 2021

Company Official Name: Ocwen Financial Corporation

State: CA

Product: Mortgage
Sub-Product: Other type of mortgage

Issue: Trouble during payment process

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: February 18, 2021

Company Official Name: Ocwen Financial Corporation

State: AL

Product: Mortgage
Sub-Product: FHA mortgage

Issue: Struggling to pay mortgage

Full Complaint:
In XX/XX/XXXX we entered into a forbearance plan for the months of XXXX, XXXX and XXXX. My mortgage company PHH Mortgage called me in or about XX/XX/XXXX. I was informed that the FHA insurance had been approved to cover the XXXX through XXXX amounts. I was told to resume my payments on XX/XX/XXXX. I paid my mortgage payment as agreed XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this time I received calls from PHH. In late XXXX PHH said that they did not receive documents from me. I told them I sent them in the self addressed stamped envelope. They sent new documents for me to resign which I did. I also had tracking placed on this return envelope. I talked to PHH again on XX/XX/XXXX at when I was told everything was in order again. Then as I began to make my XXXX payment it would not take my payment. I called on or about XX/XX/XXXX I was told the notary on the previous document was no good because the doc had my name as XXXX XXXX and I signed in front of the Notary as XXXX XXXX XXXX ( which is the name on my deed and how I have signed my name since I was 12 ). I sent up an appointment with a loan specialist on XX/XX/XXXX, I was told they would send a new packet for me to start over and that I would have to do another forbearance. So feeling like I might be in trouble I agreed. I never received another set of papers to start the FHA insurance claim again. They never arrived so on XX/XX/XXXX I called PHH again where the person told me they did not need to send paper he could do the claim over the phone. I did this and he told me to call back in about 10 days. I also discussed the fact that my credit report was reporting me 120 days late and I felt that this was bordering on negligence maybe even criminal. On XX/XX/XXXX I called PHH again to check on the claim. I was told it was still pending and they would have a relationship manager call me on the XXXX of XXXX at XXXX. They also said they had not addressed the credit reporting of my mortgage. This continues to go in circles, the left hand knows not what the right hand is doing at PHH. I am able to resume my payments but can not get anything straight from PHH. This is resulting in stress over my family home and a bad mark on my credit report. Maybe the CFPB can help to get them to resolve this matter and stop sending me from agent to agent to hear a different excuse and kick the can down the road.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 19, 2021

Company Official Name: Ocwen Financial Corporation

State: IA

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 19, 2021

Company Official Name: Ocwen Financial Corporation

State: FL

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Trouble during payment process

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 18, 2021

Company Official Name: Ocwen Financial Corporation

State: WI

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Trouble during payment process

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 19, 2021

Company Official Name: Ocwen Financial Corporation

State: AZ

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Closing on a mortgage

Full Complaint:
I am needing a lien release of a loan we had with GMAC from XX/XX/XXXX-XX/XX/XXXX. We originally got the loan through XXXX XXXX XXXX on XX/XX/XXXX for the amount of {0000.00}. The loan was service released within days to GMAC taking full ownership of the loan, while being serviced by HomeComings Financial LLC. While we were with GMAC/HomeComings, we got a modification with a principal reduction of {000.00}, giving us a new principal balance of {000.00} which GMAC processed the principal reduction internally then did a FHA refinance in the new amount of {000.00} ( included closing costs ) on XX/XX/XXXX. During this time GMAC did not process the lien release for the {0000.00}, Deed of Trust recorded at XXXX County Recording No : Docket XXXX, Page XXXX. However, they did record a new Deed of Trust on XX/XX/XXXX at XXXX County Recording No : Docket XXXX page 2114. Once we refinanced again in XXXX, GMAC processed a lien release for the new modified loan in the amount of {000.00}. Since GMAC is out of business as of XXXX, I reached out to PHH Mortgage requesting a lien release, as Ocwen Loan Servicing, LLC parent company of PHH Mortgage took over/acquired GMAC. The response I received was that they have no records or did not acquire servicing rights for the subject loan as part of the aforementioned sale. Therefore, they are unable to assist. Which is why I am now filing a complaint and a request for a lien release from PHH Mortgage/Ocwen Loan Servicing, LLC. Due to the lien release not being recorded, I am unable to close on the sale of my property.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 19, 2021

Company Official Name: Ocwen Financial Corporation

State: WA

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 19, 2021

Company Official Name: Ocwen Financial Corporation

State: CT

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Account status incorrect

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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