This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 39 complaints

PHH Mortgage Services Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade C.

Complaints by issue type

What consumers report about PHH Mortgage Services Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.4/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: PHH Mortgage Services Corporation ranks ahead of 54% of the 5,283 collectors PlainCollector grades - 46% keep a cleaner CFPB record, on 39 all-time complaints and a 100% timely-response rate.

54th pct
reputation rank of 5,283 graded collectors
39
CFPB complaints, all-time
100%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about PHH Mortgage Services Corporation?

PHH Mortgage Services Corporation has accumulated 39 total CFPB complaints across 17 states, with 0 filed in the most recent 12 months against 39 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Not given enough info to verify debt". The company posts a 100% timely-response rate against a 26% consumer-dispute-after-response rate.

Complaints have been recorded across 17 states, led by Virginia with 7 and New Jersey with 6. Normalized against the full CFPB collector database, the reputation score of 63.4/100 places PHH Mortgage Services Corporation in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

39

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

17

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

26%

elevated (vertical avg ~19%)

Reputation grade

C

63.4/100 composite

How does PHH Mortgage Services Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

63 54th percentile higher than 54% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

PHH Mortgage Services Corporation versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 25.9%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 30.4%

Share of US states + territories with at least one filed complaint against this collector.

How does PHH Mortgage Services Corporation compare to its peers?

How does PHH Mortgage Services Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
PHH Mortgage Services … National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
100%
92%
91%
Consumer-dispute ratelower is better
26%
19%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-05 2019-06

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 10
Disclosure verification of debt - 9
Cont'd attempts collect debt not owed - 6
False statements or representation - 4
Attempts to collect debt not owed - 3
Took or threatened to take negative or legal action - 3
Taking/threatening an illegal action - 2
Written notification about debt - 1
Improper contact or sharing of info - 1

Where do complaints against PHH Mortgage Services Corporation come from?

PHH Mortgage Services Corporation's own per-state count, not a national baseline.

Top states by complaints against PHH Mortgage Services Corporation

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if PHH Mortgage Services Corporation contacts you

A grade of C signals how PHH Mortgage Services Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really PHH Mortgage Services Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how PHH Mortgage Services Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against PHH Mortgage Services Corporation? ▼

The most common issue consumers report about PHH Mortgage Services Corporation is "Communication tactics", specifically "Not given enough info to verify debt". This is based on 39 complaints filed with the CFPB.

Are complaints against PHH Mortgage Services Corporation increasing or decreasing? ▼

Complaints against PHH Mortgage Services Corporation are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is PHH Mortgage Services Corporation's reputation grade? ▼

PHH Mortgage Services Corporation has a reputation grade of C (score: 63.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does PHH Mortgage Services Corporation respond to consumer complaints? ▼

PHH Mortgage Services Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.

In how many states does PHH Mortgage Services Corporation operate? ▼

PHH Mortgage Services Corporation has received CFPB complaints from consumers in 17 states, with the most complaints from Virginia (7 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.