Total CFPB complaints
39
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 39 complaints
PHH Mortgage Services Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PHH Mortgage Services Corporation
- Communication tactics
Communication tactics
10 complaints
- Disclosure verification of debt
Disclosure verification of debt
9 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Attempts to collect debt not owed 3
Attempts to collect debt not owed
3 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
C
Grade C · 63.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 26% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Virginia with 7 and New Jersey with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.4/100 places PHH Mortgage Services Corporation in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
17
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
C
63.4/100 composite
Response-quality profile
How PHH Mortgage Services Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 51.9%
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?
PHH Mortgage Services … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2013-08 2019-05
Top Consumer Issues
Disclosure verification of debt9 (%)
Communication tactics10 (%)
False statements or representation3 (%)
Cont'd attempts collect debt not owed5 (%)
Attempts to collect debt not owed3 (%)
Taking/threatening an illegal action2 (%)
Took or threatened to take negative or legal action2 (%)
Written notification about debt1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 9 |
| Communication tactics | Frequent or repeated calls | 8 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against PHH Mortgage Services Corporation come from?
The states where consumers have filed the most CFPB complaints against PHH Mortgage Services Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PHH Mortgage Services Corporation
Across 17 states with at least one filing
- Virginia
Virginia
7 complaints
- New Jersey
New Jersey
6 complaints
- Florida
Florida
4 complaints
- Pennsylvania
Pennsylvania
4 complaints
- Ohio
Ohio
3 complaints
- Texas 2
Texas
2 complaints
- New York 2
New York
2 complaints
- California 2
California
2 complaints
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 "Disclosure verification of debt", 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 have been stable. The company received 0 complaints in the last 12 months.
What is PHH Mortgage Services Corporation's reputation grade? ▼
PHH Mortgage Services Corporation has a reputation grade of C (score: 63.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if PHH Mortgage Services Corporation is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If PHH Mortgage Services Corporation violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |