Have you paid off your mortgage with PHH within the last four years?
Have you been charged to make a mortgage payment online or over the phone?
PHH Mortgage Corp may have overcharged you for recording fees or added other deceptive fees. You may be eligible for compensation through legal action.
Scott Hirsch Law Group PLLC, Gustafson Gluek PLLC, and the Advocacy Group, filed a lawsuit alleging that PHH Mortgage Corp. violated consumer protection laws. PHH overcharges mortgage holders for recording fees when they pay off their mortgage.
PHH Allegedly Violated Laws
Plaintiffs also claim PHH violated Florida state law and federal law by charging $8.50-$9.50 more than the actual amount to file necessary documents with the county recorder’s office. The plaintiffs say that the one-page document is “uniform in form and content, the only differences being the specific mortgage lien being released.” Recording these documents at the county recorder’s office costs $10 for the first page and each additional page costs $8.50.
The lawsuit claims PHH Mortgage Corp’s recording fee is “deceptive, unlawful, and unauthorized and are essentially nothing more than ‘processing fees’ or ‘convenience fees’ which is a violation of state law.” The plaintiffs believe the overcharge has affected thousands of people.
The lawsuit also challenges PHH’s lack of itemized descriptions in payoff statements and “recoverable balance” charges. PHH payoff statements are “deceptive, misleading, and violate” consumer protection laws. They do not allow consumers to ascertain the basis or validity of the charges.
PHH Profits from Overcharging
The lawsuit claims that PHH is fully aware of the laws that prohibit the overcharging of fees, and that the mortgage company “did not disclose to the Plaintiff Salter or other Class Members that these unauthorized and/or excessive fees were not allowed under their mortgage, were not authorized under law and exceeded the actual cost to PHH by a wide margin; the difference being retained by PHH.” The plaintiff sent PHH a Notice of Error for the Recording fee and “Recoverable Balance.” PHH responded by saying the charges were not in error.
This is not the first time PHH Mortgage Corp, has been accused of inappropriately overcharging. A previously filed class action lawsuit alleged the lender overcharged for fees relating to paying their mortgage payments online or over the phone. The plaintiff in that case said he received charges ($7.50 and $17.50) to make payments over the phone or online.
If you paid off a mortgage with PHH in the last four years or you have been charged to pay your mortgage online or over the phone, we would like to hear from you. If you’d like further information, please send an email to firstname.lastname@example.org. You can also click here to view the case.
Get Help Today
This is a confidential questionnaire provided by the attorneys at Scott Hirsch Law Group, PLLC for the purposes of investigating potential legal claims against PHH related to the Mortgage Services Overcharge including recording fees, recoverable balances, and charges for paying your mortgage online or over the phone. Your information will not be shared
After you fill out the form, an attorney will contact you if you qualify to let you know if an individual lawsuit or class action lawsuit is best for you.
The choice of a lawyer is an important decision and should not be based solely on advertisements.
Any information you submit to Scott Hirsch Law group, PLLC, does not create an attorney-client relationship and might not be protected by attorney-client privilege. Your information will be forwarded to an attorney for the purpose of a confidential review and potential representation. You should not use this website to submit confidential, time-sensitive, or privileged information. All photos contained on this website are of models and do not depict clients.