PHH Mortgage Services (to whom our mortgage got transferred after refinancing), provides all sorts of encouragement to its customers to help themselves with little effort on their part. If you set up Autopay from your bank, they stop sending you print monthly statements (with or without your consent), and then make it virtually impossible to access your account via the Internet. Honestly, I've dealt with a number of banks - none has a website that is LESS customer-friendly. The website is mortgagequestions.com, where it's virtually impossible to set up a usable login and password (the conditions are ridiculous - they should try it themselves). Even if you succeed in overcoming the hurdles, and set up an online account, the next time you try to log on, it tells you everything is invalid, and you have to start from scratch. If you try calling them, they are extremely helpful (not!) and blame you for using your browser to search for their website. They reset your password, but the problem begins all over again. People who have no conception of how websites work interactively with their customers have no right to be on the Internet, really.
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