PHH Mortgage class action overview:
- Who: Plaintiff Lisa Mattia filed a class action lawsuit against PHH Mortgage Corp. and Onity Group Inc.
- Why: Mattia claims PHH Mortgage and Onity Group engaged in fraudulent and predatory practices with reverse mortgage origination and servicing.
- Where: The PHH Mortgage class action lawsuit was filed in New York federal court.
A new PHH Mortgage class action lawsuit accuses PHH Mortgage and Onity Group of engaging in fraudulent and predatory mortgage practices in connection with their origination and servicing of reverse mortgages.
Plaintiff Lisa Mattia filed the class action complaint against PHH Mortgage Corp. and Onity Group Inc. on March 17 in New York federal court, alleging violations of state and federal consumer laws and regulations.
According to the lawsuit, PHH Mortgage, one of the largest servicers of residential loans in the United States, has a history of employing aggressive, deceptive and illegal tactics to maximize profits at the expense of vulnerable borrowers, including the elderly and disabled.
The lawsuit claims PHH Mortgage used reverse mortgages, a financial product that allows homeowners to borrow money using their home as security for the loan, to prey on the fears and insecurities of the elderly and infirm.
Mattia claims PHH Mortgage locked these borrowers, and later their heirs, into loans with unexplained, undisclosed and unsubstantiated fees, interest and penalties.
Class action: PHH Mortgage illegally forced entry into homes
Mattia, the niece and court-appointed executor of Lillian O’Keefe, claims PHH Mortgage preyed on O’Keefe during a period of declining health. She claims O’Keefe, a financially stable homeowner, was induced by PHH Mortgage’s deceptive marketing to take out a reverse mortgage on her home while she was suffering from health issues.
After O’Keefe’s death in June 2024, Matti claims she promptly notified PHH Mortgage that the loan would be repaid in full upon the sale of O’Keefe’s house.
However, Mattia alleges PHH Mortgage engaged in a course of unconscionable, misleading and deceptive conduct that made the loss of her loved one exponentially more difficult and costly.
Among other things, Mattia claims PHH Mortgage never provided her with the mortgage documents or payment history she requested, falsely told her they had initiated foreclosure proceedings, and hired an unsupervised, unvetted third-party vendor who illegally entered O’Keefe’s home and destroyed personal items.
The lawsuit seeks to represent all individuals who obtained reverse mortgages from PHH Mortgage or whose reverse mortgages were serviced by the company and who were harmed by its conduct.
Mattia is suing for violations of the Fair Debt Collection Practices Act, the Real Estate Settlement Procedures Act, New York General Business Law, New York Real Property Law, trespass, conversion, intentional infliction of emotional distress and breach of contract.
She is seeking certification of the PHH Mortgage class action, damages, fees, costs and a jury trial.
In other news, PHH Mortgage Corp. recently agreed to a $1.5 million settlement to resolve claims that it violated federal and state debt collection laws by sending misleading default notices.
What do you think of the allegations made in this PHH Mortgage class action lawsuit? Let us know in the comments.
The plaintiff is represented by Joseph M. Pastore III and Leanne M. Shofi of Pastore LLC and Brandon Lacoff and Michele S. Carino of Greenwich Legal Associates LLC.
The PHH Mortgage class action lawsuit is Mattia v. PHH Mortgage Corporation, et al., Case No. 1:26-cv-01584, in the U.S. District Court for the Eastern District of New York.
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9 thoughts onPHH Mortgage class action accuses company of predatory reverse mortgage practices
Add me. My in laws made the biggest mistake of getting a reverse mortage. Both of them had health issues, my father in law had Parkinson’s Disease way before the reverse mortage ans my mother in law had a stroke way before the reverse mortage. Since then my father in law has passed away and now the reverse mortage is left to her which sadly her stroke has turned into Dementia. My husband has been dealing with them for 8 years now since he his her power of attorney. Mind you they got this reverse mortage since 2016 and we can’t get anywhere with these people. It’s been 10 years now and as of February 2026 she owes $100,000 which she dosent have. I believe they literally committed “ELDER ABUSE” with 2 people who were not in their right minds. If my mother in law passes away my family and I are screwed as we are living in the home with her to take care of her and we won’t have a place to go. In my opinion reverse mortages NEED TO BE ILLEGAL they take advantage of the elderly knowingly they can’t pay the money back to them. This needs to stop, this reverse mortage is hurting us financially. My husband gets many phone calls everyday from them non stop, he has gotten verbal threats multiple times because he hasn’t made a payment, threats on foreclose, people always driving by taking pictures of the house. It’s becoming stressful these people DO NOT CARE! We are having trouble trying to find a lawyer to help us because of the fact the reverse mortage is 10 years old.
add me the psymentd are going up instead of down
Please add me
Add me my grandfather died trying to fight back against these crooks
I am having similar issues with PHH mortgage and Onity. Please add me in also. I have seen people taking pictures of my home. I have had my contract fluctuate up higher. It isn’t going down either. Also, they are charging me different monthly prices.
Several years ago, I went with Phh Mortgage and they talked me into an adjustable interest rate. Half of my payment or more goes to Phh in interest! It seems. The principal amount never goes down. It’s taken forever just to get it down a little bit. I am so upset with this. I can’t see straight. Didn’t realize there is something that we can do about it. Not sure if this fits into the class action suit, but I’m praying it does.
They were vicious with my sister. Count me in
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