PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account California

I contacted PHH Mortgage on - to cancel my FlexPay agreement as I was refinancing my loan, which was scheduled to close -/-/-. On -/-/2016 PHH processed my -/-/- FlexPay Payment anyway, which not only put my account in jeopardy of being overdrawn and required me to take out a payday loan, but when I called to dispute the charge, I was told that they had no record of me rescinding my FlexPay ( but yet, they somehow knew about the upcoming refinance ) and said they could not refund my money without a letter requesting reimbursement and a copy of my bank statement showing the payment had cleared my bank, and then it would take up to 10 days to " process '' a check. They refused to electronically credit my account even though they electronically debited my account, and they were reluctant to overnight a refund but agreed they would upon receipt of my request for reimbursement. I sent my letter and bank statement to the fax number PHH provided to me on -/-/2016. I attempted to call and check on the status of my fax on -/-/2016 and was disconnected and then conveniently when I attempted to


mistake with any sense of urgency. My refinance has since closed and the original loan has been paid in full as of -/-/2016, which means, in addition to the unauthorized debit to my account on -/-/2016, there is now an over-payment on my account that PHH has not processed. As a last resort, I have filed a dispute with my bank, and am filing this complaint in an effort to get some action or response from PHH so that my account and the extreme financial hardship and burden this deduction has placed on me and my family, can be promptly resolved.