PHH Mortgage Reviews

My insurance premium for 2023 was unpaid by PHH after they got 5 copies of the invoice over 1 1/2 months. 3 days after the policy expired one of their supervisors told me to "send the invoice again and they would open the email the next day and look into paying it." I had to pay it myself. It took a month to get half reimbursed then another month to get the rest. Since I had to come up with over $2,000 myself I informed them we were going to do a 3-month deferment with those payments due at the end of the loan term. They approved that after a couple months of lies about how that was not a thing. After the 3 month deferment I went back to paying on time and in full as always and they started sending me collection letters saying I was 3-5 months behind. In December 2023 I got the invoice for the policy renewal and sent it to them. I told them to pay it ASAP. They said they wouldn't pay until the Jan 15th due date.

We had a reverse mortgage with PPH for almost 10 years. Throughout the loan, it was always very difficult to get to information either online or over the phone. After substantial changes in the interest rates, the interest was now eating up the credit and equity in our home so we decided to pay it off. It has now been over 45 days since they received the payment... They will not provide the final statement of accounting, the original note of instrument, the note marked paid, or a refund of our overpayment. Phone call after phone call just gets "We don't have to pay refunds, just check back next week for whatever else you are looking for." They say there is no access for customers to the payoff department, none of the customer service reps have anyone else they can ask or have no supervisors. A complaint is filed with our state Department of Finance and the Attorney General's Office at this point and we still have none of the legally required documents.

In December 2023, I received notification that a tax lien had been purchased on my home due to an outstanding property tax payment. I contacted PHH on three separate occasions and every representative confirmed the taxes had been paid for 2023, 2022, and 2021 and further back. I called my county tax office and learned the second payment for 2022 was returned because PHH made it using a check and the tax office only accepts wire transfers (which is how the payments had previously been made). The county tax rep urged me to pay the attorney to release the lien and pay the outstanding tax bill if I was able because the attorney could start foreclosure proceedings because I was outside of the 4 month timeframe where the bill could be settled without additional steps being taken.

PHH makes me want to puke!! I hope when they all die they are locked out of God's home for what they have done to so many people just to get richer! Go to hell all of PHH mortgage workers. You all deserve a special place in hell! They lie, they cheat, they act like they are working on your problem. You pay and pay and they don't apply your payments. You show proof you paid and they are going to fix it but they DON'T and never planned on it! I'm like a wild maniac when I hear PHH for what they have done to so many people. Cheat! THIEVES! Fraud! Liars! They destroy lives and don't bat an eye! They kill dreams and sleep well at night. If you read this and think all these people must've missed payments or something and they deserved it THINK AGAIN!!!! NOT SO.

Good morning, I have been "**" around for years by PHH, Ocwen, whatever they call themselves these day. I have a condo in Florida and basically they have added $120,000 to the end of my loan. I paid $344,500 for it in 2008 and put $70,000 down. I mortgaged about $275K and during the housing crisis, I did a loan modification and was paying interest only for 10 years. Now, I still owe $260k on the condo and a whopping $120,000 at the end of the loan. After living here 15 years, I actually owe more than I paid for the condo in 2008, not to mention the money I have paid my mortgage. I am hoping to speak to one of the attorneys to discuss my options. I can be reached at **. Thank you, Lynn

Do not choose to do business with this company. I didn’t choose them. My mortgage was sold to them. A water pipe burst in my home over 5 months ago, which caused over $100,000 of damage. My insurance company has been great, but as they release claim checks to get my home repaired, they have to include PHH as a co-payee.

Avoid PHH at all costs. We did a loan modification and they reported us to the credit companies for nonpayment even though we made the modified payment on time. Our collective credit scores dropped almost 250 points in a single day. Talking to someone who does not have an accent is impossible. I was told to email my concerns (in a PDF form), which I have done several times. I spoke to my lawyer who said they need to do a rapid rescore on our behalf. I have not heard back from PHH and it has been over a month. Absolutely awful experience.

Had mortgage for years. First issue is they keep changing loan servicers. Hard to keep up. Reps on phone are mostly rude and unknowledgeable. Spend most time reading scripts to protect them. Recently got behind 1 payment due to illness. Long story short, eventual 2nd payment plan is mathematically incorrect. Would have us pay 8 payments over 6 months. It is simple math. We are elderly, the time and trouble trying to correct this error has stressed us. Recently advised by nonprofit law firm to file a ‘Notice of Error”. Stay away if possible.

ABSOLUTELY HORRIBLE! We refinanced with PPH Mortgage and ever since we completed the refinanced, it has been a nightmare. We attempted to un-escrow our taxes as we did not sign anything at closing that said we needed to keep our taxes escrowed. We got declined because it was a "commercial loan". Okay, we let it go because "it is what it is". Well, it's school tax time and on the 4 properties we have in our portfolio loan, only ONE got paid on time. The 3 others still have not been paid (due 8/31/23 & 9/15/23). I have called numerous times and attempted to email and call my loan specialist Kimberley ** and she refuses to contact me back. I have multiple emails of me reaching out, asking when my taxes will be paid and nothing in response. I have called and spoke with other reps and they "chat" over to her and she will make comments saying "I will call her today" and NEVER does.

My mortgage was sold to PHH and I have been unhappy since. They are paying taxes on a lot next to my house. Not where my home is. This cost me almost 3000.00 from the state for taxes not paid. Dumb.