PHH Mortgage Corp 1.5 million settlement for misleading default notices and FDCPA claims
The PHH Mortgage Corp 1.5 million settlement for misleading default notices and FDCPA claims settlement offers $1.50M in total to eligible claimants who you were a borrower on a residential mortgage loan serviced by phh mortgage corp.. The deadline to file is May 5, 2026. Proof of purchase is not required.
Deadline: May 5, 2026
Total amount allocated for all claims
Estimated amount per eligible claim
No proof of purchase needed — anyone eligible can file a claim
No specific proof of purchase is required and class members who do not exclude themselves will automatically receive benefits. If you choose to submit a claim or communication, follow the settlement administrator’s instructions and be prepared to provide loan/account identifiers, evidence you were serviced by PHH and that you received a default notice; any submission must be truthful and is made under penalty of perjury. Check the official settlement website/FAQ for exact documentation requirements.
Settlement Summary
PHH Mortgage Corp., a servicer for more than 1.5 million borrowers, agreed to a $1.5 million class settlement after plaintiffs alleged the company sent misleading notices of default that threatened immediate acceleration and foreclosure even though, the suit contends, PHH could not legally accelerate or foreclose until loans were at least 120 days delinquent. The settlement covers borrowers who received one or more notices during specified windows (national FDCPA class: Dec. 18, 2022–Dec. 15, 2025; California and North Carolina classes have slightly different date ranges), and provides cash payments based on the number of loans and each loan’s delinquency when PHH began servicing it; class members who do not opt out will automatically receive benefits, with an exclusion/objection deadline of May 5, 2026 and a final approval hearing set for June 9, 2026. PHH has denied wrongdoing but agreed to resolve the claims. This case is significant because it invokes the federal Fair Debt Collection Practices Act (FDCPA) and state debt-collection laws that bar deceptive or threatening communications, and it sits alongside other lawsuits and regulatory enforcement actions aimed at mortgage servicers’ default and foreclosure communications. Regulators such as the Consumer Financial Protection Bureau and state attorneys general scrutinize servicers under statutes and rules like RESPA and state foreclosure law, so settlements like this can prompt changes in notice templates, training, and compliance controls across the industry to avoid claims of improper acceleration threats and protect borrowers from misleading debt-collection practices.
Entities Involved
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Eligibility Requirements
- You were a borrower on a residential mortgage loan serviced by PHH Mortgage Corp.
- The loan was secured by mortgaged property in the United States and you received one or more default notices from PHH between Dec. 18, 2022 and Dec. 15, 2025 (FDCPA/national class).
- The loan was secured by property in California and you received one or more default notices from PHH between Dec. 18, 2022 and Dec. 15, 2025 (California class).
- The loan was secured by property in North Carolina and you received one or more default notices from PHH between Jan. 14, 2021 and Dec. 15, 2025 (North Carolina class).
- You did not timely exclude yourself from the class (deadline for exclusion/objection: May 5, 2026) to receive automatic settlement benefits.
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Important Notice About Filing Claims
Submitting false information in a settlement claim is considered perjury and will result in your claim being rejected. Fraudulent claims harm legitimate class members and may result in legal consequences.
If you are unsure about your eligibility for this settlement, please visit the official settlement administrator’s website using the link provided above. Review the eligibility criteria carefully before submitting a claim.
Class Action Champion is an independent information resource and is not affiliated with any settlement administrator, law firm, or court. We provide settlement information as a service to help connect eligible class members with legitimate settlements.
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