Editing PHH Mortgage Corporation (section)

==Incidents==

===$6.25 Million Consumer Fraud Act Settlement (''2011'')===
In a settlement announced by Acting Attorney General John J. Hoffman,<ref>{{Cite web |last=Hoffman |first=John |date=4 Dec 2013 |title=Acting Attorney General Announces $6.25 Million Settlement Resolving Consumer Fraud Act Allegations Against PHH Mortgage |url=https://nj.gov/oag/newsreleases13/pr20131204a.html |access-date=7 Mar 2025 |website=The State of New Jersey Office of Attorney General}},</ref> New Jersey reached a $6.25 million agreement with PHH Mortgage Corporation to resolve allegations that the company misled financially struggling homeowners seeking loan modifications or assistance to avoid foreclosure.

===$45 Million Multi-State Settlement (''2018'')===
In a multi-state settlement announced by Attorney General Christopher S. Porrino,<ref name=":0">{{Cite web |last=Porrino |first=Christopher |date=3 Jan 2018 |title=Attorney General Porrino Announces $45 Million Multi-State Settlement with PHH Mortgage Corporation |url=https://www.nj.gov/oag/newsreleases18/pr20180103b.html |access-date=7 Mar 2025}},</ref> New Jersey reached a $45 million agreement with PHH Mortgage Corporation to resolve allegations of improper mortgage loan servicing. The settlement, which includes more than 45 states and the District of Columbia, addresses claims that PHH Mortgage failed to properly service loans over a four-year period.

Between January 1, 2009, and December 31, 2012, PHH Mortgage Corporation was accused of engaging in improper mortgage servicing practices, including: Alleged improper mortgage servicing practices, including:

*Misapplying borrower payments and maintaining inaccurate account statements.
*Charging unauthorized fees for default-related services.
*Providing conflicting and misleading information to borrowers facing foreclosure.
*Failing to respond adequately to borrower complaints and loan modification requests.
*Mishandling loss mitigation applications and documentation.
*Lacking proper loan servicing records and foreclosure documentation.
*Inadequately supervising third-party vendors involved in servicing and foreclosure.
*Submitting foreclosure documents with inaccurate or incomplete information.
*Using improperly executed affidavits in foreclosure proceedings.
*Lacking a structured process for document preparation, execution, and notarization in foreclosure cases.

===Mortgage Service Center===
Mortgage Service Center is a registered DBA of PHH Mortgage Corporation,<ref>https://mblsportal.sos.state.mn.us/Business/SearchDetails?filingGuid=b9c14d71-c21d-ea11-918b-00155d01b4fc</ref><ref>https://extranet.dfi.in.gov/ConsumerCredit/EntityDetails/2881</ref><ref>https://licensing.coag.gov/s/license-report/a1mcs000001xAl2AAE/sup4000219005</ref> and engages in direct marketing by utilizing publicly available county records, including property details such as closing dates, loan amounts, lender names, mortgagor names, and addresses, to contact new homeowners with mortgage-related offers.

By referencing details related to a homeowner's recent mortgage, Mortgage Service Center aims to establish credibility and engage potential customers.