There are different types of scams. A couple examples are below.
Imposter Scams
These are usually phone calls from individuals claiming to be PHH Mortgage employees demanding payments in the form of a pre-paid debit/gift cards to cover trial loan modification payments, escrow shortages and/or to avoid foreclosure. These imposters may be calling from what appears to be a legitimate PHH Mortgage phone number. This is called spoofing.
PHH Mortgage would never require payment via a pre-paid debit/gift card. PHH Mortgage would never request a Western Union payment to be sent to an individual. PHH Mortgage would never ask for personal information over the phone, unless you initiated the contact and we are verifying your identify.
If you ever doubt the legitimacy of a call from PHH Mortgage, especially if payment is demanded, hang up and call us directly.
If you think you may have been a victim of an imposter scam, please contact us and then file a report with your local police department. You can also contact the Federal Trade Commission.
Loan Modification Scams
These are schemes where “Foreclosure Rescue Companies” take your money, often by making a false promise of saving you from foreclosure.
PHH Mortgage does not charge up-front fees for a loan modification. You should never sign over title to your property or sign papers you don’t understand. Only make payments to your mortgage loan service provider.
If you think you have been a victim of a loan modification scam, please contact us. You can also file a complaint with the CFPB online or by calling
1-855-411-CFPB (2372).