PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account California

My name is - - - and my mortgage company has recently changed from - - - to PHH Mortgage as of - 2016. I received a mail notification with direct debit payment set-up information early -. I submitted direct debit payment request with a void check from - on - - 2016 and received a confirmation from PHH direct debit solution on - -, 2016 that the payment ( normal monthly payment plus a additional $500.00 principle ) will be drawn on -/-/2016. However, the payment was not drawn on -. - and I was not notified until -. - via mail. Without notification, PHH has already filed a report to the credit bureau which significantly impacted my credit score. I called PHH on -. - and made a payment by phone directly which I was advised the payment went through successfully. I followed up on - - and was notified the payment got rejected for " incorrect account # ''. I was not notified proactively by PHH but had to constantly follow up on the status. I was informed to either submit a payment online or physical check. I did both submission with 1 month payment each, as


- and found out the check was " rejected '' due to the loan was not current. Furthermore I was advised by the collection department that a " foreclosure statement '' has been issued due to the account has over 3 months overdue. I questioned the amount that I submitted online was taken.from my - - account on - - ( submission date - - ). The clerk ( named - ) advised nothing was shown on their system hence I should process phone payment immediately to bring the account to current. I just mailed out another check on - - for 2 months payment of $2800.00. In order to prevent overdraft, I had to cancel the check from - - the same day, which cost another $30.00 fee. I advised the - the account was not working when I attempted to make the payment in -. - advised me the payment should be taken within 24 hours and he will give me a call on - -. - did not give me a call on the - and the payment was not drawn. I called again on - - and finally the " $2800.00 with $7.00 service fee '' was pulled from the " incorrect account # '' - -. I am totally frustrated with this newly transferred mortgage company PHH. I never had an issue with the previous mortgage companies for the past 2 years since I started the loan process. My credit dropped from over - to - overnight and I was unaware of the issue. I tried to make - payments between -. - to - -, yet - of them were not successful. I emailed PHH for over 50 emails asking for updates but I was not informed in a timely manner. I called PHH and followed up on payment status as the direct debit payment were setup supposedly on - - and re-activated on - - with un-notified cancellation on -. - and - -.