PROBLEM ACTIVITY REPORT Situation # 80133075 Greater Business Bureau of Nj
Buyer dаta: Wiles, Patricia M Company dаta: PHH Mortgage Providers
430 D. Mountain Rd.
Newville, PA 17241
717 609-1344 717 772-7868 800 440-8737
Area Included: (just like above)
Customer's Unique Criticism:
I had been compelled to complete a Ch. 7 Bankruptcy in 2008 - and my mortgage WASN'T contained in the bankruptcy. I've paid it frequently because the BK, and paid additional costs to obtain the mortgage back on the right track (they wont allow you to make funds before BK is resolved.) After I examined my credit history, I discover that them all have now been informed by PHH that my morgage was written-off using the BK which I'm not producing any funds, etc. That Is completely fake which is completely destroying any opportunity I've of having back on my toes. I've submitted grievances using the all 3 credit agencies plus they inform me that I've to obtain it mounted with PHH. I sent them-and was informed I'd to contact 1 (800) 330-0423. I tried many times - every time I've to hear a for 10 minute. Providing choices for this which - then I strike 0 to get a CSR and that I stay permanently and nobody actually replies. The main one moment someone did reply, I acquired some fool from Asia who could not talk not to mention comprehend Language. All I'd like is in order for them to correct the 3 credit history to exhibit the mortgage was not written-off with Ch. 7 which I'm presently spending or more to-date about the mortgage. When they cannot do this - consider the silly accessibility off altogether and do not record something. The BBB prices the corporation large -honestly I actually donot acknowledge and that I will soon be happy after I may refinance this factor and obtain from them. I'll never cope with them or PERIOD mortgage again - they're trash - a business that employs fools from a different country isn't worth working with. THANK YOU
DesiredSettlementID: Additional (requires explanation)
Product_Or_Service: Mortgage
Order_Number: 0028632669
Consumer's Preferred Quality:
I'd like all 3 Credit Agency reviews to replicate the truth that my mortgage WASN'T contained in my bankruptcy which I'm present or more to-date on my funds.
BBB Running
05/08 internet BBB Situation Obtained by BBB
05/10 nanc BBB Situation Examined by BBB
05/10 Otto E-MAIL Deliver Reputation to Customer
05/10 Otto E-MAIL Inform Company of Challenge
05/25 WEB BBB OBTAIN COMPANY REACTION: Contact Name and Name: Rose Viana, Study
Contact Telephone: 800-449-8767
Contact Email: rose. [email protected]
I'd prefer to apologize for that encounter customer continues to be going right through together with her mortgage. I've confirmed using the Bankruptcy division and he or she has confirmed that after a customer documents for bankruptcy it affects all responsibilities. As a result, we ought to be confirming the mortgage like a bankruptcy. An evaluation has been completed from the credit rating division to confirm what's being shown about the credit history. The moment we're supplied with the info I'll recommend. Thanks
05/26 BBB MORE INFORMATION RECEIVED FROM THE COMPANY: Info in the credit rating division continues to be obtained plus they express we're confirming this mortgage as present, released section 7, and we're not confirming the total amount or transaction record. The reason being whenever a client documents section 7 they have to reaffirm around the desire to continue spending the debt and never contain it within the bankruptcy to ensure that we shall subsequently record this as reaffirmed debt. When the client does not reaffirm your debt before the day the bankruptcy is released, we've to record the mortgage as discharded section 7 and also the credit agencies observe that like a closing stauts for that mortgage and certainly will no further statement the loans stability and transaction record. We're confirming this mortgage accuratley. Thanks
05/26 nanc E-MAIL Forward Company reaction to Customer
05/27 WEB BBB BBB REVIEWS CUSTOMER REBUTTAL TO BUSINESS REACTION: (the customer suggested he or she DIDN'T take the reaction in the company.)
Does Not make any sense. Bankruptcy was submitted/finished 9 - this really is today May. Any "influence" the BK had about the mortgage was negated from the proven fact that I settled them ADDITIONAL for numerous late charges, etc. I've created the funds every month since - no split. They're not confirming these funds in addition to the rest they were area of the bankruptcy. Additionally, the bankruptcy specifically mentioned (I will deliver copies of the documents) the morrgage wasn't contained in the bankruptcy.
05/27 nanc E-MAIL Forward Customer Rebuttal to Company
July/03 INTERNET BBB OBTAINED COMPANY' REBUTTAL REACTION: I'm really sorry for exactly what the customer continues to be through coping with this problem. I needed to recommend that I simply acquired this rebuttal and also have submitted approached the boss within the Bankruptcy division and he or she may recommend briefly with data to record. I'm sorry for that wait I'm looking to get help for that consumers rapidly. Thanks
06/04 nanc E-MAIL Deliver Rebuttal Reaction To Customer - NEW PROVIDE
06/04 nanc BBB No Customer Reaction - Thought Solved t/e Notice
06/04 Otto BBB Situation shut - THOUGHT SOLVED
06/05 BBB MORE INFORMATION RECEIVED FROM THE CUSTOMER: the info they're providing is INCORRECT. I DID SO signal their silly eaffirmation documents and that I paid additional costs to obtain everything back on the right track. I suppose this implies I've to consider this towards the Attorneygeneral - clearly you're receiving paid by them to provide them a great statement - in the grievances I'm viewing online for this Company, I'm not alone wiht issues with them. I don't need this criticism shut - I'd like it solved, not only hidden underneath the carpet.
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