PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

FHA mortgage Application, originator, mortgage broker District of Columbia

On- -, 2015, PHH Home Loans , LLC stated to the Consumer Financial Protection Bureau in writing that, " Our records indicate your loan application was preapproved based on verbal information you provided the Loan Officer. '' ( please see attached ). This is completely false. PHH Home Loans is establishing a history with providing false statements to justify their wrongdoing. I am providing documentation to prove that I provided legitimate documents ( in writing ) via email to the loan officer ( - - ) on -/-/2015prior to receiving a pre-approval letter. My written information that I provided the loan officer included documentation from -/Tax Information ( that listed my employers for two years ), pay stubs ( that listed my current income and employer ), bank statements ( that also listed income from my employers ), and paid in full letters ( please see attached ). The loan officer also did a hard inquiry and pulled my credit report on - -, 2015, which I had over - credit scores from all three credit bureaus ( please see attached ) prior to issuing me a pre-approval letter. I provided all of these documents ( please see attached )


letter to the Consumer Financial Protection Bureau, PHH Home Loans , LLC intentionally provided Consumer Financial Protection Bureau with the false Statement of Denial that misrepresents incorrectcredit scores they have stated in the - 's and - 's and incorrect credit information, which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans , LLC has intentionally provided false statements to Consumer Financial Protection Bureau just like they provided false statements and misrepresentations as to why they denied my home loan. PHH Home Loans also stated in its - -, 2015 letter that FHA requires borrowers to provide a statement. I am providing documentation from FHA guidelines, which do not state this at all. Once again, PHH Home Loans provided false statements Consumer Financial Protection Bureau to justify their actions. If PHH Home Loans , LLC had legitimate reasons for denying my loan ( which it does not ) and if they denied me based on honest reasons other than my race, then there would be no need to come up with and make false statements and misrepresentations as to why it denied my loan. PHH Home Loans knows that I qualified for my loan at the time of my initial application ( - -, 2015 ) that they are refusing to allow me to have based on their false information, which had caused me to be homeless.