PHH Mortgage Mortgage Complaint

FHA mortgage Loan servicing, payments, escrow account

PHH Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Georgia

I discovered that the mortgage company misapplied funds for my -/-/- mortgage payment. I pay my monthly mortgage of $1300.00 in - payments. PHH received the first half of my payment - $670.00 - for -/-/- on -/-/- and the second half ( $670.00 ) on -/-/- The payment received on -/-/- was incorrectly applied to additional principal and not the mortgage payment. The second half of the -/-/- payment and all subsequent payments have been appropriately applied to the mortgage payment. I called PHH Mortgage Company on Monday, -/-/- to advise them of the error and requested to have the -/-/- payment for -/-/- appropriately applied to the mortgage payment and not used as an additional principal payment. I was informed that my request would be reviewed and for me to call back next week for an answer. I received a call from - Mortgage - ( - ) today, -/-/-, informing me that my request was denied and that the -/-/- payment would not be applied to the mortgage and that I am responsible for bringing my account up to date for the -/-/- mortgage payment. I explained to the representative that my -/-/- mortgage payment was already paid in full and paid early with the - part of the payment received on -/-/-. I was told the payment was incomplete for -/-/- and I am responsible for sending the second part of -/-/- 's amount.

PHH Mortgage customer in Georgia
Feb 03, 2017

* Source: CFPB Complaint Database

PHH Mortgage response to complaint:
Closed with explanation

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