Payment Terms and Conditions

I have read and agree to the terms and conditions regarding Payment Services. By using our online payment service, I authorize PHH Mortgage and its successors and assigns to initiate a one-time ACH payment. I also authorize PHH Mortgage to credit my account to correct any errors. I confirm that I am an owner or joint owner of the bank account identified and consent to sign this authorization electronically. I agree to pay a returned item charge of up to $50.00 (as permitted by state law) for each returned item. If a debit is not made, I will promptly remit the total monthly payment plus any fees due.

Additional Authorization Terms

Contact in event of unauthorized transfer. If you believe an unauthorized transfer has been made or if you believe a transfer has been made using the information from your check and/or financial institution without your permission, call us at 1-800-449-8767 or write:

PHH Mortgage
Attn: Research Department
PO Box 24736
West Palm Beach, FL 33416-4736

Business days. For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

Confidentiality. We will disclose information to third parties about the account or the transfers:

Where it is necessary for completing transfers, or
In order to verify the existence and condition of the account for a third party, such as a credit bureau or merchant, or
In order to comply with government agency or court orders, or
If you give us your written permission.

Periodic statements. You have a right to receive a monthly account statement.

Financial institution's liability. If we do not complete a transfer to or from the account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, the account does not have enough money to make the transfer.
If the transfer would go over the credit limit on the overdraft line.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.

In Case of Errors or Questions About Your Electronic Transfers. Call us at 1-800-449-8767 or write us at P.O. Box 24738, West Palm Beach, FL 33416-4738 or log on to PHHmortgage.com and email us as soon as you can if you think the mortgage account statement is wrong or if you need more information about a transfer listed on the mortgage account statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number.
Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit the account.

For errors involving new accounts or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.