We have had nothing but trouble from the time we first took out our mortgage with USAA. They immediately transferred servicing to PHH. The first year our payment was the amount we signed on for. After the first year it shot up 300 dollars a month and it is a fixed VA Loan. We struggled to make the payments which is not what we signed on for either way we used everything in our savings and my husbands retirement to keep the loan current. They have continuously messed up our escrow account and cannot seem to get it right. After years of struggling to make the new higher payment amount we notified them we were expecting to not be able to make our payments in the coming months. We were told to submit a loss mitigation packet...Three months later we contact them and are told they will have a work out plan for us in three weeks. We contacted them again after receiving a letter saying "We cannot help you because your loan is not current(it was current) but then in the next sentence the letter says "The reason we cannot help you is that your loan is Current". The rep @ the company said they couldn't help anyone with a VA mortgage so I contacted a VA housing counselor who stated this was a flat out lie and that PHH receives a stipend for working out Va Loans. We have now missed our first payment and called and were told they couldn't help us till we submitted another packet and were 2 payments behind. The lady went on to say that there is nothing they can do anyways because it is a VA Loan and they cannot help us...I told her I knew this to be a lie and she got rude with me and hung up on me. Worse Company EVER!!!