| 10/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Complaint : BSI Financial Services has purchased our mortgage from XXXX XXXX XXXX in XXXX. At the time, they requested proof of insurance from us and my husband submitted it through the website XXXX, per BSIs request. On XX/XX/XXXX I received a collection call from BSI and since then I have spoken with numerous people in order to understand what they did to our account and make sure they correct their mistakes. Unfortunately, bringing customers accounts into default seems to be common place at BSI and I can only imagine how many customers have been victims of their unethical practices. I report our case below in details in hopes that you can help us by making sure BSI corrects their mistakes once and for all.
History : Thursday, XX/XX/XXXX I received a collection call from BSI. XXXX told me that they havent received payment for the last two months and wanted to know when to expect payment. I immediately checked my bank account and confirmed all payments have been sent on time, as usual ( we have autopay with XXXX XXXX XXXX ). She then did some research and told me the reason the account was late was because the payments were lower than the amount owed and had been withheld. I asked why the amount had changed since we have a 30-year fixed mortgage and the amount should not have changed. She researched a little more and found out that BSI has paid insurance out of our escrow and that was the reason for changing our payment amount. I asked why they have paid insurance because we do not use our escrow account and have always paid our insurance and property taxes ourselves. She then confirmed that it is true that we have paid XXXX. She said she was new and couldnt make the corrections, but a teller would call me back.
Monday, XX/XX/XXXX Nobody called me to follow up on the corrections, so I called customer service to check the status of our account. XXXX was very helpful and explained that we needed to submit proof of insurance from XX/XX/XXXX to XX/XX/XXXX in order to solve the problem, as BSI started withholding our payments after they had paid ( duplicated ) insurance out of our escrow account. I told her we have submitted proof of insurance at the time, but I would send it again.
Per BSIs request, I emailed XXXX proof of all 4 years of insurance the same day.
Tuesday, XX/XX/XXXX I received another collection call from BSI, this time from XXXX. I explained the situation to her and she told me that no matter what I was behind one month on payments. She asked if I wanted her to send me the payments history and I told her I needed BSI to correct their mistakes and bring our account current, as we have never missed any payments. I also told her I did not want to receive any more collection calls and wanted a confirmation when BSI has corrected their mistake and brought our account current, as it should be.
Wednesday, XX/XX/XXXX XXXX XXXX, BSIs Insurance Specialist, contacted Travelers asking for proof of insurance, even though I have already submitted proof to Customer Services on XX/XX/XXXX.
Thursday, XX/XX/XXXX I emailed XXXX and informed her I have already emailed proof to BSIs Customer Care and asked them to forward it to her.
Friday, XX/XX/XXXX XXXX confirmed she received my file and was working on it.
Monday, XX/XX/XXXX I emailed XXXX asking the status of our account. She replied right away saying she was in the process of fixing the account. She said she had received approval to remove the Force Place Insurance ( FPI ) and to refund all late fees. She also said it could take up to 5 days for me to see it on my end. XXXX was extremely helpful and reassured me she would make sure everything was correct in the end.
Wednesday, XX/XX/XXXX I asked XXXX if she was in communication with XXXX XXXX, from their Loss Mitigation Department, as I have received another letter from her talking about options to foreclosure.
Friday, XX/XX/XXXX I followed up with XXXX because she didnt answer my last message and I needed to make sure XXXX XXXX was aware of BSIs mistakes and knew XXXX XXXX was making the necessary corrections. XX/XX/XXXX was the date BSI said they would declare all outstanding amounts under the Note immediately due if we havent cured the default by then. They were asking us to pay {$8800.00} in order to bring our account current, even though we have never missed any payments.
XXXX replied to me the same day saying that currently our loan was showing due for XX/XX/XXXX. She explained there was a freeze on the account, so all the corrections could be made and that the freeze would be taken off when everything was complete. She ended saying she has done everything she could do on her end and she would send XXXX all her findings after she could see the full update on Monday, as they were still implementing changes to the account at the time.
Saturday, XX/XX/XXXX I received another collection call from BSI, this time from XXXX. I explained the situation again and he said he was putting a hold on collection calls for a month in hopes BSI has corrected our account by then.
Thursday, XX/XX/XXXX I called customer services to talk to XXXX, as she was the person assigned to be our contact, but they said she only helps customers who need help with getting credit. So, I spoke to XXXX and had to explain the whole situation once more. XXXX said the problem was that we made an extra payment on XX/XX/XXXX and this payment was applied to principal only. I told her the problem in our account was due to BSI mistakenly debiting our escrow for insurance and said this supposedly had already been corrected. She confirmed the insurance issue had been corrected, but when I said I havent made extra payments, she said she was looking at the wrong account ( which she wasnt ). She then said that we sent our XXXX payment late on XX/XX/XXXX. I explained this payment was XXXX, not XXXX, as XXXX XXXX XXXX always send our payments either on the XXXX of the month or the last business day of the month when the XXXX falls on a weekend or holiday. She then requested a research and said it would last 3 business days. I was told I could call on Tuesday, XX/XX/XXXX, to get an update.
Friday, XX/XX/XXXX I emailed BSI giving them an ultimatum and asking to be assigned a point person, so I dont have to explain myself again every time I call them. Even though I wrote URGENT on the email subject, nobody contacted me. In fact, I have never received answers to any of the three emails I sent them and the only calls they make are collection calls.
Wednesday, XX/XX/XXXX I called customer services again and, luckily, I was able to talk to XXXX, the first customer service agent I spoke to, the first time I called BSI on XX/XX/XXXX. She was not able to transfer me to a Supervisor, as I requested at the beginning of the call, but she was very helpful and was able to ask them to void an escrow check they issued by mistake in the process of removing the FPI from our escrow account. ( I knew it was a mistake to issue me a check instead of crediting our escrow account, so I didnt cash the check. ) XXXX also requested the correction of XXXX payment that has been wrongly processed as an extra payment and applied to principal only ( the same thing XXXX had mentioned, except she then said she was looking at the wrong account ). XXXX gave me her extension number, so I wouldnt have to repeat myself every time I call and also said she would let me know as soon as the XXXX payment was corrected XXXX they needed to credit back the {$44.00} that was sent to me via check in order to be able to apply the payment ). The supervisor that couldnt talk to me, but was communicating with XXXX in real time, told her the problem would be solved within 24 48 hours. I told XXXX that my husband and I learned today that BSI has ruined our credit score ( It went from XXXX to XXXX ) and I needed BSI to contact the Credit Bureaus and correct their mistake urgently.
Friday, XX/XX/XXXX After leaving multiple voice messages to XXXX, I called customer services to confirm if BSI had credited the {$44.00} to our account and applied the XXXX payment correctly. I asked to talk to a supervisor and supervisor XXXX assured me all the corrections were being finalized and once the account was brought up to date, BSI would be able to send letters to the Credit Bureaus explaining we were reported late and delinquent in error. She estimated it to happen on Wednesday, XX/XX/XXXX, due to the XXXX XXXX holiday.
Tuesday, XX/XX/XXXX I talked to supervisor XXXX again and she confirmed that all corrections were made and the credit letters were sent to the Credit Bureaus. I thought that BSI had finally fixed all their mistakes at this point. Unfortunately, I was wrong. I asked if the XXXX payment had been applied and she said it hadnt, probably due to post office delays. I checked with XXXX XXXX XXXX the same day and they confirmed they had mailed a check to BSI on XX/XX/XXXX. I emailed customer care to let XXXX know about it.
Monday, XX/XX/XXXX I called customer service to confirm if the XXXX payment has been applied on time because the XXXX statement that I received was still showing XXXX as unpaid. I spoke with XXXX, who was very helpful, and he said the XXXX payment was applied on XX/XX/XXXX. I then asked him to explain a fee of {$34.00} charged to my account. I noticed that they charged our escrow account after all the corrections have been made and there was a negative balance of {$22.00} that I requested to be removed from the account. XXXX disputed the remaining {$12.00} and couldnt explain exactly what they were for, but said it was related to late payments. The statement listed it as a property inspection fee, even though my property has never been inspected. XXXX said that disputes take up to 5 business days to be resolved and he would get back to me. He assured me that the XXXX payment would be applied on time regardless of the fees, as I specifically asked about it. Now that our credit scores have been restored, the last thing I need is for BSI to withhold our payments again and wrongly report us late.
Tuesday, XX/XX/XXXX Because Ive never received any calls to confirm that the charges have been removed from my account and the XXXX payment has been applied on time, I called customer service ( again! ). This time, I talked to XXXX. She said the escrow balance was XXXX, so the {$22.00} fee had been removed, but said the {$12.00} fee dispute was not resolved yet. She confirmed that the XXXX payment would be applied on time regardless of the fee.
Friday, XX/XX/XXXX I called BSI at XXXX XXXX and, after being on hold for 10 minutes, I was redirected to a voicemail. I left a message.
Tuesday, XX/XX/XXXX I called BSI at XXXX XXXX and requested a call back through their system, as they said the waiting period was 10 minutes. I called back one more time at XXXX XXXX ( past the expected waiting time I was given of 10 minutes ), but was unable to talk to anyone again. I left a voicemail saying I would report BSI if I didnt receive a call back the same day.
At XXXX XXXX, XXXX returned my call. She said the {$12.00} fee had been removed from my account, so I decided to ask her if the XXXX balance was {$2800.00} ( my 30-year fixed mortgage payment amount ). She said yes. I then asked if there were any fees charged to my account and she said there was a late fee of $ XXXX. I told her the charges had to be removed. Her supervisor didnt talk to me directly, but told XXXX that the charges were made in error and would be removed. The call ended at XXXX XXXX ( I was on hold for very long periods of time during the call and it lasted 30 minutes ).
Wednesday, XX/XX/XXXX I called BSI customer services at XXXX XXXX because I received the XXXX statement and the late fee of {$56.00} ( {$22.00} Escrow + {$34.00} Late charges ) were still showing. The call once more went to a voicemail and I left a message.
Thursday, XX/XX/XXXX I tried to call BSI again at XXXX XXXX, as nobody returned my call. After 10 minutes of wait, it went to a voicemail again. I left a message.
Friday, XX/XX/XXXX BSI called me back at XXXX XXXX and left a voicemail. I called again at XXXX XXXX and requested a call back. I finally received a call back at XXXX XXXX. I spoke to XXXX ( the first customer service agent who called me on XX/XX/XXXX saying our account was 2 months late ). I realized it has been almost 3 months since this nightmare has started and it is hard to believe it is still not over.
I explained to her that I was told on XX/XX/XXXX that the {$56.00} charges would be removed, but they were still showing in the XXXX statement and I was not sure if maybe the statement was issued prior to the correction. She said the charges have not been removed and couldnt be removed because they were late charges. She even mentioned the {$12.00} inspection fee again and at this point I said I wanted to talk to supervisor XXXX, as I have already talked to her a couple of times and she knew my case. After being on hold for a while, I was asked to leave XXXX a voice message because she was in a meeting. I told XXXX that BSI never calls me back when they say they will and asked to talk to any supervisor. After being on hold again, she said XXXX was now available and could talk to me. XXXX said she was requesting a research and someone was calling me back on Monday to let me know the status. I told XXXX BSI never calls me back and asked why she couldnt call me herself, so she agreed to call me back on Monday and make sure the charges are removed from my account. I told her I have XXXX confidence on BSI and said I do not know how BSI can still be in business. I also said I do not think these are mistakes, but intentional charges to make money out of customers. It is unethical and having worked 10 years in corporate banking, I have never seen anything even remotely close to what BSI has been doing, not only to our account, but to hundreds of accounts ( based on online reviews and complaints ). XXXX might be able to remove the {$56.00} fees erroneously charged to our account and call me back on Monday as promised, but it has been almost 3 months since I started talking to BSI and every time, I thought it was over, there was another mistake the next month. I do not have the time or energy to be checking my statement every single month to make sure BSI didnt charge any fees to my account and applied my payment on time. I have a 30-year fixed mortgage with autopay, I do pay for insurance and property taxes on my own, and I have never been late. Therefore, my loan should ALWAYS be current! There should be absolutely no extra charges or late fees of any kind. I want BSI to stop charging improper fees and keep our account up to date, as it should be.
*************************** In summary, BSI has debited our escrow account without permission to pay for insurance, even though we have always paid our insurance and property taxes directly. Because of this mistake, they added {$7.00} to our monthly payments of {$2800.00} and started withholding our payments last XXXX because it was less than the total balance due of {$2800.00} ( {$2800.00} + {$7.00} ). They only applied XXXX payment when they received XXXX payment and kept doing that until XXXX, when they decided to apply the XXXX payment that we sent to principal only, making the account appear to be 60 days delinquent. BSIs Insurance Specialist XXXX XXXX started the process of removing the FPI from our escrow account, as well as all late charges after she received the proof that I submitted to Customer Care on XX/XX/XXXX. BSI then adjusted the way payments have been applied, so our account could finally be current. Once this process was finalized, BSI sent letters to the Credit Bureaus stating their errors in order to restore our credit, as we were never late sending payments and we were certainly not 60 days delinquent. Unfortunately, they did not stop the charges to our escrow account and have added other charges after they have finalized all the corrections on XX/XX/XXXX. This whole situation is unacceptable and any ethical company would be embarrassed and would have done something to compensate us from all the stress, time, and energy this whole mess has cost us. Instead, BSI keeps charging our account, never calls us back as promised, and lately it has been impossible to get through customer service.
We have always had excellent credit and have never made any late payments to anyone. BSI reported us late multiple times, which ruined our credit scores. If that was not enough, we had to deal with the stress of receiving constant collection calls and a Notice of Default and Intention to Accelerate, even though we have never missed a payment. Our insurance broker has helped many of his customers facing similar problems with BSI, where they claim to have paid insurance on behalf of the customer, but can not provide any policy of such insurance. They have also charged customers for appraisals that were never performed. After talking to our insurance broker, Ive searched online and realized BSI has innumerous one-star reviews with Consumer Affairs and hundreds of complaints with CFPB. I tried to resolve the issue directly with BSI for almost 3 months, but I can not wait any longer. I need them to correct all their mistakes and never charge our account again for any improper fees. I do not understand how BSI is still allowed to operate, given their questionable actions against their customers that have been reported so many times already.
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| 06/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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ID FOR COMPLAINT SENT TO BSI FINANCIAL SERVICES XXXX CFPB, CARES, CDC, etc. Federal and State Violations and Illegal Actions since XX/XX/XXXX to XX/XX/XXXX by mortgage transferees, BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ), along with their shared Legal Department Staff with Attorney XXXX XXXX and Attorney XXXX XXXX : First, both my son and I are XXXX, but I became XXXX during the Covid-19 Pandemic in the Fall XXXX. We are Protected XXXX Homeowners and Covered Persons residing for 15 years as Occupied Homeowners on our Real Property and Land decades before the XXXX mortgage transfer to the transferee, BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) and their Legal Department Staff overseen by Attorney XXXX XXXX and Attorney XXXX XXXX.
Second, during the Covid-19 Pandemic from XXXX, BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX XXXX Noteholder ) Attorney XXXX XXXX and Attorney XXXX XXXX ignored and violated on XX/XX/XXXX, signed by the U. S. XXXX District Courts Judge XXXX XXXX on XX/XX/XXXX, the CFPB, CARES, CDC, etc. Federal, State, and County laws that began during the shelter-in-place period on the XX/XX/XXXX with the Foreclosures and Evictions Moratoriums ( Remains in effect until after XX/XX/XXXX or longer, extended for those in Forbearance up to a maximum of 18 months ) which stated for Servicers and Lenders to not initiate any judicial or non-judicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure eviction or foreclosure sale for not less than the 60-day period beginning on XX/XX/XXXX, in which the Foreclosures and Evictions Moratorium for Homeowners has been extended multiple times that was supposed to have a deadline on XX/XX/XXXX in order to receive a Loss Mitigation Forbearance ( Upon receiving a request for forbearancethe servicer shall ( WILL ) with no additional documentation required other than attestation to a financial hardship caused by the COVID-19 emergencyprovide the forbearance for up to 180 days additional periods of up to 180 days ), but was extended again to XX/XX/XXXX.
After receiving in the mail numerous Loss Mitigation Applications, on XX/XX/XXXX, BSI Financial Services Loss Mitigation Specialist XXXX XXXX freely offered to me by phone a Loss Mitigation Packet, which was emailed to me while we were on the phone. Prior to receiving it in my email, I had expressed to him my reservations, because in XXXX, their Legal Department overseen by Attorney XXXX XXXX and Attorney XXXX XXXX confiscated my entire completed private Loss Mitigation packet before it could be seen and processed by the Loss Mitigation Specialist, XXXX XXXX, but the Loss Mitigation Specialist XXXX XXXX reassured me by stating that it would not be the same this time in XXXX as it was in XXXX because this time " It's Covid '', which provided to me the reassurance and I immediately completed, signed, and emailed back to him only my Loss Mitigation Application with my Hardship " Forbearance '' Letter and the other required documents even though those additional documents were not required to be submitted at that time due to CARES. My 180 days plus 2 additional 180 days ( 540 days ) of 18 months Forbearance offered by Mr. XXXX immediately went into effect, and everything remained normal without my completed private Loss Mitigation packet and documents being confiscated until XX/XX/XXXX when the Legal Department of XXXX XXXX and XXXX XXXX confiscated my entire completed private Loss Mitigation packet again as they did in XXXX, but this time I was informed by Attorney XXXX XXXX and other attorneys and the CFPB that my 180 days ( with additional 180 days ) Loss Mitigation Forbearance remains in effect until I extend another 180 days and then extend for another 180 days for to 18 months ( XX/XX/XXXX XXXX when I can do a Loss Mitigation Post-Forbearance Modification. At least, during my Loss Mitigation Forbearance, I can finally freely submit payments without my money being placed into a suspense/bucket account and never returned as has occurred since the arrival in XXXX of the transferees, BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) along with their shared Legal Department Staff with Attorney XXXX XXXX and Attorney XXXX XXXX.
Even though I am a Protected XXXX Covered Person in a Loss Mitigation Forbearance completed before the current XX/XX/XXXX Forbearance deadline along with the current XX/XX/XXXX Foreclosures and Evictions Moratoriums, and even though there was not a foreclosure date scheduled and foreclosure notices mailed to me with a scheduled foreclosure date that is required by Pre-Covid-19 laws and the Present-Covid-19 laws, and even though the XXXX Covid-19 Pandemic laws under the " Moratorium on Foreclosures and Evictions '' states the " extension to the moratorium on foreclosure through XX/XX/XXXX ... the moratorium applies to the initiation of foreclosures and to foreclosures in process ... evictions of persons from properties subject to Section 184 or 184A ... are also suspended through XX/XX/XXXX '' extended as of the week of XX/XX/XXXX to XX/XX/XXXX, without any warning, while still under the protection of a BSI Financial Services Loss Mitigation Forbearance Protection along with being a Protected Covered Persons with submitted XXXX XXXX XXXX XXXX XXXX and CDC Eviction Protection Declarations, on the morning of XX/XX/XXXX, my son and I ( both homeowners ) were awaken referencing a Civil no-date scheduled foreclosure by U. S. Marshals banging on our door and then forcing our door open despite the federally mandated pandemic protection laws, without a writ or warrant or scheduled foreclosure sale date or foreclosure sale confirmation with purchaser, even though I continued stating through the closed door that " I am the homeowner in a Loss Mitigation Forbearance prior to the XX/XX/XXXX deadlineI am protected by the CDC Eviction Protections ... There is a Foreclosures and Evictions Moratorium ... I am the homeowner ... There is no foreclosure sale scheduled ... etc. ", but they along with a Property Management Office Manager, Mr. XXXX, hired by the Servicer and Noteholder 's Attorneys, XXXX XXXX and XXXX XXXX, still forcefully entered my home anyway upon which the Head U. S. Marshal realized that my son and I were actually the homeowners after he spoke to Attorney XXXX XXXX, who had already reassured me in XX/XX/XXXX that everything was fine, Attorney XXXX confirmed to the Head XXXX XXXX XXXX what I had already stated to them prior to their illegal pre-foreclosure forceful entry into my Homeowners Occupied property, which was erroneously omitted from the mid-XXXX XXXX Civil Foreclosure Notices mailed to me by XXXX and XXXX and on XXXX, the Civil Notices had erroneously attached an unknown someone elses non-civil notice.
We waited in my home for nearly 3 hours for Attorney XXXX XXXX to emphasize mandates, moratoriums, and dates by the CFPB, CARES, CDC, etc. or file an Emergency Stay or Restraining Order or contact Judge XXXX XXXX XXXX or anything, but he did nothing, and we felt helpless as protected homeowners and covered persons as we were forced to continue gathering only our essentials with the Head U. S. Marshal reassuring me that none of my furniture, belongings, or anything else in our home would be confiscated by anyone while we watched our locks pre-foreclosure illegally changed by the locksmith of Property Manager, Mr. XXXX, of a Property Management Company hired by BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) Attorney XXXX and Attorney XXXX ; and, while still in my gown ; we were forced to illegally vacate ( " illegally ejected '' ) the inside of our own house as homeowners while being able to remain on our " Real Property and Land '' even though the laws, pre-pandemic and during pandemic, specifically states that homeowners, before completion of civil foreclosure auction process, can not be illegally vacated from, illegally ejected, from the inside of their house and are able to stay inside their house, especially during an accepted 180 days Loss Mitigation Forbearance ( that I am in as of early XX/XX/XXXX and weeks before XX/XX/XXXX deadline, which is now weeks before the XX/XX/XXXX deadline, as covered protected person ), prior to any foreclosure sale date and notice, during the XX/XX/XXXX to XX/XX/XXXX foreclosures and evictions moratorium, etc. ; even renters are included in said protection too. We have continued to remain on our " Real Property and Land '', and must immediately return to the inside of our house that we continue to own and hold, which remains in effect to us, all Real Property interests, liens, claims, etc. as confirmed in XXXX and XXXX 's " Order of Sale '' ( page 4 ). On XX/XX/XXXX, the Head U. S. Marshal explained to me that there was nothing he could do at that point, except follow XXXX and XXXX 's " Order of Sale '' ( XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX, Noteholder ) that the U. S. XXXX District Court Judge XXXX XXXX signed on XX/XX/XXXX. I have been in Loss Mitigation Forbearance with BSI Financial Services ( Servicer ) since early XX/XX/XXXX ; and, Attorney XXXX XXXX and Attorney XXXX XXXX filed a XXXX Copy of an old Rental Eviction Order of Sale in which they inserted confusing an illegal foreclosure step within 2 purchaser paragraphs meant for post-foreclosure purchasers writ order.
We have continued to remain on our Real Property land since we are Protected XXXX Occupied Homeowners and Covered Persons with ownership, interests, claim, etc. to our property. Then, we realized that we could proceed to obtain a restraint or stay due to the Covid-19 Pandemic laws, moratoriums, and extended deadlines since the Legal Department of my Servicer, BSI Financial Services, along with my Noteholder, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX, are aware of the Covid-19 Pandemic, CARES, CFPD, and CDC laws of the foreclosures and evictions moratorium current deadlines along with my effective early XX/XX/XXXX current 180 days Loss Mitigation Forbearance as they proceeded to still initiate an illegal foreclosure process with an illegal vacate/ejectment of us Protected Occupied Homeowners and Covered Persons before posting any foreclosure sales date, sending out foreclosure sale notices, and so-on. Early this week of XX/XX/XXXX, I filed a Temporary Restraining Order with the County, but my exhibits and my TRO-TI-PI showing the numerous pre-Covid-19 Pandemic and Covid-19 Pandemic violations committed by my Servicer using the Noteholder were not viewed or read or listened to, but the vocalized omissions, lies, and erroneous information stated by Attorney XXXX and Attorney XXXX, shared Legal Counsels of both BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ), were listened to and accepted with ease, and I was told to file with a different court with a different Plaintiff and Defendant civil case that was terminated and closed early XX/XX/XXXX, which meant my filing a completely separate new case.
I have been concern how the courts have ignored the CARES laws and deadlines, CDC laws and deadlines, CFPB laws, regulations, and deadlines, especially the XXXX Covid-19 Pandemic laws, moratoriums, and deadlines, even though a person is in a Loss Mitigation Forbearance. On XX/XX/XXXX, I contacted the CFPB and was informed that the Foreclosures and Evictions Moratoriums were extended to XX/XX/XXXX, which is posted on the CFPB and other websites. Then, I contacted someone and ask if the federal judges, federal courts, and other federal law enforcement and other authorities must follow the federal laws, deadlines, and regulations and was told Yes. Federal courts and other government authorities must follow the federal laws, deadlines, and regulations of the CFPB, CDC, Cares, President, Congress, etc. and order the lenders and servicers to follow those laws, deadlines, and regulations mandated by the government. BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) through their shared Legal Department that includes their Attorneys XXXX XXXX and XXXX XXXX must follow the federal laws, deadlines, and regulations of the CFPB, CDC, Cares, President, Congress, etc. that protects homeowners, successors-in-interest, and others, and they must not be allowed to permit their Legal Department Staff to illegally vacate Protected Occupied Homeowners and Covered Persons properties pre-foreclosure sale, use Civil Federal and State Courts with their own assigned law enforcement entities ( marshals for Civil Federal and sheriffs and constables for Civil State ) to commit pre-foreclosure sale forced illegal vacates/ejectments of occupied properties, threaten homeowners to not contact or call to communicate with servicers, threaten servicers to not contact or call to communicate with homeowners, confiscate completed private Loss Mitigation packets and other submitted documents as a means to try to thwart the loss mitigation process and trying to stop an already accepted and in effect Loss Mitigation Forbearance, removing from their online website the names of the borrowers and/or non-borrowers, and so much more because they have continued to ignore anything mandated by the Federal, State , County, and City governments despite the recent XX/XX/XXXX deadline, meaning they do not even care if there is a XX/XX/XXXX deadline, which means somebody ( agency, bureau, authority, etc. ) needs to re-direct with enforcement BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) through their shared Legal Department with Attorneys XXXX XXXX and XXXX XXXX so that they are ordered herewith to stop harming and injuring homeowners and others.
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| 06/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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CFPB, CARES, CDC, etc. Federal and State Violations and Illegal Actions since XX/XX/XXXX to XX/XX/XXXX by mortgage transferees, BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ), along with their shared Legal Department Staff with Attorney XXXX XXXX and Attorney XXXX XXXX : First, both my son and I are XXXX, but I became XXXX during the Covid-19 Pandemic in the Fall XXXX. We are Protected XXXXHomeowners and Covered Persons residing for 15 years as Occupied Homeowners on our Real Property and Land decades before the XXXX mortgage transfer to the transferee, BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) and their Legal Department Staff overseen by Attorney XXXX XXXX and Attorney XXXX XXXX.
Second, during the Covid-19 Pandemic from XXXX, BSI Financial Services ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) Attorney XXXX XXXX and Attorney XXXX XXXX ignored and violated on XX/XX/XXXX, signed by the U. S. Southern District Courts Judge XXXX XXXX on XX/XX/XXXX, the CFPB, CARES, CDC, etc. Federal, State, and County laws that began during the shelter-in-place period on the XX/XX/XXXX with the Foreclosures and Evictions Moratoriums ( Remains in effect until after XX/XX/XXXX or longer, extended for those in Forbearance up to a maximum of 18 months ) which stated for Servicers and Lenders to not initiate any judicial or non-judicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure eviction or foreclosure sale for not less than the 60-day period beginning on XX/XX/XXXX, in which the Foreclosures and Evictions Moratorium for Homeowners has been extended multiple times that was supposed to have a deadline on XX/XX/XXXX in order to receive a Loss Mitigation Forbearance ( Upon receiving a request for forbearancethe servicer shall ( WILL ) with no additional documentation required other than attestation to a financial hardship caused by the COVID-19 emergencyprovide the forbearance for up to 180 days additional periods of up to 180 days ), but was extended again to XX/XX/XXXX.
After receiving in the mail numerous Loss Mitigation Applications, on XX/XX/XXXX, BSI Financial Services Loss Mitigation Specialist XXXX XXXX freely offered to me by phone a Loss Mitigation Packet, which was emailed to me while we were on the phone. Prior to receiving it in my email, I had expressed to him my reservations, because in XXXX, their Legal Department overseen by Attorney XXXX XXXX and Attorney XXXX XXXX confiscated my entire completed private Loss Mitigation packet before it could be seen and processed by the Loss Mitigation Specialist, XXXX XXXX, but the Loss Mitigation XXXX XXXX XXXX reassured me by stating that it would not be the same this time in XXXX as it was in XXXX because this time " It's Covid '', which provided to me the reassurance and I immediately completed, signed, and emailed back to him only my Loss Mitigation Application with my Hardship " Forbearance '' Letter and the other required documents even though those additional documents were not required to be submitted at that time due to CARES. My 180 days plus 2 additional 180 days ( 540 days ) of 18 months Forbearance offered by Mr. XXXX immediately went into effect, and everything remained normal without my completed private Loss Mitigation packet and documents being confiscated until XX/XX/XXXX when the Legal Department of XXXX XXXX and XXXX XXXX confiscated my entire completed private Loss Mitigation packet again as they did in XXXX, but this time I was informed by Attorney XXXX XXXX and other attorneys and the CFPB that my 180 days ( with additional 180 days ) Loss Mitigation Forbearance remains in effect until I extend another 180 days and then extend for another 180 days for to 18 months ( XX/XX/XXXX ) when I can do a Loss Mitigation Post-Forbearance Modification. At least, during my Loss Mitigation Forbearance, I can finally freely submit payments without my money being placed into a suspense/bucket account and never returned as has occurred since the arrival in XXXX of the transferees, BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) along with their shared Legal Department Staff with Attorney XXXX XXXX and Attorney XXXX XXXX.
Even though I am a Protected XXXX Covered Person in a Loss Mitigation Forbearance completed before the current XX/XX/XXXX Forbearance deadline along with the current XX/XX/XXXX Foreclosures and Evictions Moratoriums, and even though there was not a foreclosure date scheduled and foreclosure notices mailed to me with a scheduled foreclosure date that is required by Pre-Covid-19 laws and the Present-Covid-19 laws, and even though the XXXX Covid-19 Pandemic laws under the " Moratorium on Foreclosures and Evictions '' states the " extension to the moratorium on foreclosure through XX/XX/XXXX ... the moratorium applies to the initiation of foreclosures and to foreclosures in process ... evictions of persons from properties subject to Section 184 or 184A ... are also suspended through XX/XX/XXXX '' extended as of the week of XX/XX/XXXX to XX/XX/XXXX, without any warning, while still under the protection of a BSI Financial Services Loss Mitigation Forbearance Protection along with being a Protected Covered Persons with submitted Loss Mitigation Forbearance Hardship Letter and CDC Eviction Protection Declarations, on the morning of XX/XX/XXXX, my son and I ( both homeowners ) were awaken referencing a Civil no-date scheduled foreclosure by U. S. Marshals banging on our door and then forcing our door open despite the federally mandated pandemic protection laws, without a writ or warrant or scheduled foreclosure sale date or foreclosure sale confirmation with purchaser, even though I continued stating through the closed door that " I am the homeowner in a Loss Mitigation Forbearance prior to the XX/XX/XXXX deadlineI am protected by the CDC Eviction Protections ... There is a Foreclosures and Evictions Moratorium ... I am the homeowner ... There is no foreclosure sale scheduled ... etc. ", but they along with a Property Management Office Manager, Mr. XXXX, hired by the Servicer and Noteholder 's Attorneys, XXXX XXXX and XXXX XXXX, still forcefully entered my home anyway upon which the Head U. S. Marshal realized that my son and I were actually the homeowners after he spoke to Attorney XXXX XXXX, who had already reassured me in XX/XX/XXXX that everything was fine, Attorney XXXX confirmed to the Head U. S. Marshal what I had already stated to them prior to their illegal pre-foreclosure forceful entry into my Homeowners Occupied property, which was erroneously omitted from the XXXX XXXX Civil Foreclosure Notices mailed to me by XXXX and XXXX and on XXXX, the Civil Notices had erroneously attached an unknown someone elses non-civil notice.
We waited in my home for nearly 3 hours for Attorney XXXX XXXX to emphasize mandates, moratoriums, and dates by the CFPB, CARES, CDC, etc. or file an Emergency Stay or Restraining Order or contact Judge XXXX XXXX XXXX or anything, but he did nothing, and we felt helpless as protected homeowners and covered persons as we were forced to continue gathering only our essentials with the Head U. S. Marshal reassuring me that none of my furniture, belongings, or anything else in our home would be confiscated by anyone while we watched our locks pre-foreclosure illegally changed by the locksmith of Property Manager, Mr. XXXX, of a Property Management Company hired by BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) Attorney XXXX and Attorney XXXX ; and, while still in my gown ; we were forced to illegally vacate ( " illegally ejected '' ) the inside of our own house as homeowners while being able to remain on our " Real Property and Land '' even though the laws, pre-pandemic and during pandemic, specifically states that homeowners, before completion of civil foreclosure auction process, can not be illegally vacated from, illegally ejected, from the inside of their house and are able to stay inside their house, especially during an accepted 180 days Loss Mitigation Forbearance ( that I am in as of early XX/XX/XXXX and weeks before XX/XX/XXXX deadline, which is now weeks before the XX/XX/XXXX deadline, as covered protected person ), prior to any foreclosure sale date and notice, during the XX/XX/XXXX to XX/XX/XXXX foreclosures and evictions moratorium, etc. ; even renters are included in said protection too. We have continued to remain on our " Real Property and Land '', and must immediately return to the inside of our house that we continue to own and hold, which remains in effect to us, all Real Property interests, liens, claims, etc. as confirmed in XXXX and XXXX 's " Order of Sale '' ( page 4 ). On XX/XX/XXXX, the Head U. S. Marshal explained to me that there was nothing he could do at that point, except follow XXXX and XXXX 's " Order of Sale '' ( XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX, Noteholder ) that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX signed on XX/XX/XXXX. I have been in Loss Mitigation Forbearance with BSI Financial Services ( Servicer ) since early XX/XX/XXXX ; and, Attorney XXXX XXXX and Attorney XXXX XXXX filed a XXXX Copy of an old Rental Eviction Order of Sale in which they inserted confusing an illegal foreclosure step within 2 purchaser paragraphs meant for post-foreclosure purchasers writ order.
We have continued to remain on our Real Property land since we are Protected XXXX Occupied Homeowners and Covered Persons with ownership, interests, claim, etc. to our property. Then, we realized that we could proceed to obtain a restraint or stay due to the Covid-19 Pandemic laws, moratoriums, and extended deadlines since the Legal Department of my Servicer, BSI Financial Services, along with my Noteholder, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX, are aware of the Covid-19 Pandemic, CARES, CFPD, and CDC laws of the foreclosures and evictions moratorium current deadlines along with my effective early XX/XX/XXXX current 180 days Loss Mitigation Forbearance as they proceeded to still initiate an illegal foreclosure process with an illegal vacate/ejectment of us Protected Occupied Homeowners and Covered Persons before posting any foreclosure sales date, sending out foreclosure sale notices, and so-on. Early this week of XX/XX/XXXX, I filed a Temporary Restraining Order with the County, but my exhibits and my XXXX showing the numerous pre-Covid-19 Pandemic and Covid-19 Pandemic violations committed by my Servicer using the Noteholder were not viewed or read or listened to, but the vocalized omissions, lies, and erroneous information stated by Attorney XXXX and Attorney XXXX, shared Legal Counsels of both BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ), were listened to and accepted with ease, and I was told to file with a different court with a different Plaintiff and Defendant civil case that was terminated and closed early XX/XX/XXXX, which meant my filing a completely separate new case.
I have been concern how the courts have ignored the CARES laws and deadlines, CDC laws and deadlines, CFPB laws, regulations, and deadlines, especially the XXXX Covid-19 Pandemic laws, moratoriums, and deadlines, even though a person is in a Loss Mitigation Forbearance. On XX/XX/XXXX, I contacted the CFPB and was informed that the Foreclosures and Evictions Moratoriums were extended to XX/XX/XXXX, which is posted on the CFPB and other websites. Then, I contacted someone and ask if the federal judges, federal courts, and other federal law enforcement and other authorities must follow the federal laws, deadlines, and regulations and was told Yes. Federal courts and other government authorities must follow the federal laws, deadlines, and regulations of the CFPB, CDC, Cares, President, Congress, etc. and order the lenders and servicers to follow those laws, deadlines, and regulations mandated by the government. BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) through their shared Legal Department that includes their Attorneys XXXX XXXX and XXXX XXXX must follow the federal laws, deadlines, and regulations of the CFPB, CDC, Cares, President, Congress, etc. that protects homeowners, successors-in-interest, and others, and they must not be allowed to permit their Legal Department Staff to illegally vacate Protected Occupied Homeowners and Covered Persons properties pre-foreclosure sale, use Civil Federal and State Courts with their own assigned law enforcement entities ( marshals for Civil Federal and sheriffs and constables for Civil State ) to commit pre-foreclosure sale forced illegal vacates/ejectments of occupied properties, threaten homeowners to not contact or call to communicate with servicers, threaten servicers to not contact or call to communicate with homeowners, confiscate completed private Loss Mitigation packets and other submitted documents as a means to try to thwart the loss mitigation process and trying to stop an already accepted and in effect Loss Mitigation Forbearance, removing from their online website the names of the borrowers and/or non-borrowers, and so much more because they have continued to ignore anything mandated by the Federal, State , County, and City governments despite the recent XX/XX/XXXX deadline, meaning they do not even care if there is a XX/XX/XXXX deadline, which means somebody ( agency, bureau, authority, etc. ) needs to re-direct with enforcement BSI Financial Services ( Servicer ) and XXXX XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX ( Noteholder ) through their shared Legal Department with Attorneys XXXX XXXX and XXXX XXXX so that they are ordered herewith to stop harming and injuring homeowners and others.
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| 04/12/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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This letter is regarding the business practices of BSI Financial Services. I went into forbearance for temporary relief and was told that if I did what I was supposed to do, which I have, there would be no negative effects from it. The delay in resolving this situation has negatively affected my credit score and my ability to move. I was sent a foreclosure notice despite being in forbearance. They have terrible customer service and are being negligent and unprofessional in their handling of this situation. I am confused, frustrated, angry, and tired from dealing with this terrible company. At this point I believe BSI FinanciaXXXX is trying to steal my home.
My mortgage was sold to BSI on XX/XX/XXXX. When this occurred, I was still in forbearance with my previous mortgager, which is set to end on XX/XX/XXXX. I tried multiple times to contact anyone at BSI that could explain what was going to happen moving forward, my options after the forbearance ended, and getting any answers as to why I was getting a foreclosure notice a day after being informed via email that I was approved for two FHA Secondary Loss mitigation options. There was no mention of the options I was given by my previous servicer. I have repeatedly called, emailed, and attempted contact through their website, and no one will give me an answer or even return my calls. I have been given multiple due dates for my next payment due as well as different dollar amounts. I have been told that I do not owe a payment until XX/XX/XXXX, but also told that if I do not pay over {$4000.00} by XX/XX/XXXX they will start foreclosure proceedings, and then also told I owe my next payment on XX/XX/XXXX. Instead of going into every detail here, I have supplied a thorough timeline of events. Some of these events are not directly tied into my complaints but go to show pertinent details about the mortgage itself. I have documentation to back up this timeline including phone records, emails, documents, and website screen shots.
I do not know where to turn for assistance in this matter, so I am sending this to multiple Federal and State agencies, in the hopes that someone can help me keep my home. I can not afford a lawyer, but they can afford many. This company has a D rating from the XXXX and terrible ratings and reviews everywhere I looked. When I read the complaints on the XXXX website and Consumer Affairs website, I am far from the only victim of this company. BSI has been in legal trouble before for doing similar things. In XXXX, the CFPA found BSI had committed multiple violations of RESPA, Regulation X, CFPA, TILA, and Regulation Z. If more information is needed on this, it is CFPB Docket/File number XXXX dated XX/XX/XXXX. I found this information through XXXX and XXXX BSI Financial did not comply to the legal orders imposed upon them when they were caught breaking regulations. These are peoples homes they are threatening, which for many is their biggest investment and asset, as well as being their residence. BSI Financials immoral and negligent business practices need to be stopped. Please consider taking action against BSI Financial Services, also known as Servis One Inc.
DATE ITEM/ACTION SOURCE XX/XX/XXXX Payment Reversal/Escrow : {$1000.00} BSI Financial Website Document XX/XX/XXXX Forbearance Plan Extension Approval : States that forbearance extension is approved and is in effect through XX/XX/XXXX. XXXX Mortgage Letter XX/XX/XXXX Loan Transfer Notification XXXX Mortgage Letter XX/XX/XXXX XXXX Mortgage Loan Transfer to BSI Financial BSI Financial Letter XX/XX/XXXX Escrow Balance : {$160.00} BSI Financial Website Document XX/XX/XXXX Fee Billed by BSI Financial : {$20.00} ( unknown ) BSI Financial Website Document XX/XX/XXXX Mortgage Statement : XXXX {$3600.00} due including {$75.00} in unexplained fees BSI Financial Letter XX/XX/XXXX Mortgage Removed from Credit Bureaus/Credit Score Drop XXXX, XXXX XXXX XXXX XX/XX/XXXX Late Notice BSI Financial Website Document XX/XX/XXXX Notice of Servicing Transfer : {$390.00} monthly payment, {$41000.00} left of loan, no late fees ( these numbers are correct ). BSI Financial Letter XX/XX/XXXX Tax Disbursement for Property Taxes : {$1200.00} Multiple XX/XX/XXXX Taxes_FHA Disclosures : Prepayment amount listed here is : {$43000.00} BSI Financial Letter XX/XX/XXXX Set Up Online Account : No Access to Mortgage Information Email, BSI Financial Website XX/XX/XXXX Mortgage Statement BSI Financial Letter XX/XX/XXXX Fee Billed by Financial : {$20.00} ( unknown ) BSI Financial Website Document XX/XX/XXXX Sent a Message to BSI via Website : Request for information about my mortgage since I had not received any documents from them besides statements. I also said that I wanted to talk to someone about options on ending forbearance or options for when it ends : Hello, my mortgage was transferred to your company while I was in forbearance. I have been trying to get a hold of someone to discuss ending the forbearance, the terms of ending the forbearance, and when my first payment is due. I called and was told I had to talk to someone else and to expect a phone call, which I never received. Thank you, XXXX XXXX XXXX XX/XX/XXXX Receive Answer to Inquiry from XX/XX/XXXX : We are currently working on your request. XXXX XX/XX/XXXX Missed BSI Calls : XXXX XXXX, XXXX XXXX Phone Records XX/XX/XXXX Returned Missed BSI Calls : XXXX XXXX, left message Phone Records XX/XX/XXXX Called BSI : XXXX XXXX, XXXX XXXX, left message Phone Records XX/XX/XXXX Mortgage Statement : Says I owe {$4000.00} includes an unknown fee of {$75.00}. BSI Financial Letter XX/XX/XXXX Called BSI and spoke with XXXX XXXX, my point of contact for 28 minutes. She reassured me that the delay in getting any paperwork was due to so many other people being in the same situation. She said I would receive paperwork, an email, and a phone call to explain it all soon. I was also told not to worry about getting late notices or other concerning notices since they were standard and did not mean that my mortgage forbearance terms had changed. She said I could start sending in payments if I was able and they would be applied to the oldest past due month. Phone Records XX/XX/XXXX BSI Received Mortgage Payment : {$390.00} Unapplied BSI Financial Website Document XX/XX/XXXX Principal : {$77.00}, Interest : {$130.00}, Escrow : {$160.00}, Unapplied : - {$390.00} BSI Financial Website Document XX/XX/XXXX Program Letter : Ad for XXXX about refinancing BSI Financial Website Document XX/XX/XXXX Missed BSI Call : XXXX XXXX Phone Records XX/XX/XXXX Mortgage Statement : Says I owe {$4400.00}, which includes a {$150.00} in unexplained fees. BSI Financial Website Document XX/XX/XXXX Late Notice : Says I owe {$1900.00} with a due date of XX/XX/XXXX, which is before XXXX acquired my loan, plus {$15.00} for a late fee, even though I am in forbearance. XXXX XXXX Website Document XX/XX/XXXX Called XXXX : XXXX XXXX., left message Phone Records XX/XX/XXXX Called BSI : XXXX XXXX, left message Phone Records XX/XX/XXXX Email from XXXX XXXX of BSI Financials : Message contained two options for FHA Loss Mitigation and a request to choose one and email her back indicating my choice. No documents sent and no phone call. There is nothing mentioned in my BSI online account. The due date for first payment due is XX/XX/XXXX on both options, XXXX XXXX Email XX/XX/XXXX Sent Email to XXXX XXXX : Choice # 1 indicated along with a request to know what will be happening next., XXXX XXXX I have yet to receive an email or phone call back. Email XX/XX/XXXX BSI Financial sends a Certified Letter : Notice of Default and Intention to Foreclose BSI Financial Website Document XX/XX/XXXX Called BSI : XXXX XXXX, left message Phone Records XX/XX/XXXX Received Certified Letter from BSI Financial ( XXXX XXXX ) : Notice of Default and Intention to Foreclose says I need to send them {$4100.00} by XX/XX/XXXX to avoid foreclosure, despite being in forbearance until XX/XX/XXXX and includes {$170.00} in false late charges. I was told that all of my terms would stay the same, which includes no late charges while being in forbearance. BSI Financial Certified Letter XX/XX/XXXX Called BSI : XXXX XXXX., left message Phone Records XX/XX/XXXX Called BSI : XXXX XXXX, spoke to a representative who said that XXXX was no longer at work. She said that she could not answer any of my questions and that I was only allowed to communicate to XXXX about my mortgage, not even a supervisor. Phone Records XX/XX/XXXX Called BSI : XXXX XXXX XXXX, left message Phone Records XX/XX/XXXX Escrow Account Disclosure Sent BSI Financial Website Document XX/XX/XXXX Called BSI : XXXX XXXX, spoke to a representative tried to connect me to XXXX XXXX XXXX, XXXX XXXX. She was not in so the representative told me to leave a message for her and that she would return my message within 48 hours. I have yet to receive a phone call back. Phone Records XX/XX/XXXX Requested a Mortgage Verification Mimecast XX/XX/XXXX Called BSI : XXXX XXXX, left message Phone Records XX/XX/XXXX Mortgage Verification Request Response : Received a Credit Statement. It says my due date is XX/XX/XXXX, with the payment amount being {$410.00}. It shows 0 Late Payments. It says that my loan is in a repayment agreement but have not received any paperwork about it or signed any agreement. Shows principal balance to be {$41.00}. XXXX. XXXX XX/XX/XXXX Received Escrow Account Disclosure : Says my monthly payments will be {$390.00} beginning on XX/XX/XXXX BSI Financial Letter
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| 09/16/2022 |
Yes |
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- Trouble during payment process
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Web |
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-On XX/XX/XXXX my home, XXXX XXXX XXXX, XXXX PA XXXX was listed for sale.
-On XX/XX/XXXX I received an offer from the buyers.
-On XX/XX/XXXX my mortgage company received a payment of {$13000.00} from the PHAF ( Pennsylvania Homeowners Assitance Fund ), bringing my mortgage current and covering past due payments from XX/XX/XXXX to XX/XX/XXXX. My monthly mortgage payments include principal, taxes, and insurance.
-On XX/XX/XXXX I requested a payoff statement from BSI Financial dba XXXX XXXX XXXX and received it on XX/XX/XXXX.
-On XX/XX/XXXX The payoff ( attached ) stated that I had an Unpaid Principal Balance of {$190000.00} and an escrow balance of {$12000.00}. I immediately disputed the escrow balance via email sent to XXXX, XXXX, and XXXX -On XX/XX/XXXX I called BSI financial and spoke to XXXX who confirmed that the escrow amount on the payoff statement was incorrect, it should be a much less amount or no balance at all and he would reach out to his team to clarify the correct amount.
-On XX/XX/XXXX I received a response from PayOff stating " It looks like this amount is forced place, homeowners, insurance and taxes. I have emailed our escrow team to see if this is correct and I will let you know when I find out more. I will flag this email to make sure I look into it and respond back to you as well! '' I followed up with an email to the same email address stating, " What exactly do you mean by forced place homeowners insurance and taxes? I need to see a breakdown of exactly what the {$13000.00} was applied to and what the balances are as of today. '' I never received a response back.
-On XX/XX/XXXX my real estate agent also attempted to receive an answer regarding the escrow balance from BSI by contacting mortgage services at XXXX.
XXXX XX/XX/XXXX I received an email from the PayOff Specialist stating, '' After reviewing your loan, Yes I do show the HAF program funds being received. Your loan is current, and due for XX/XX/XXXX. You can see this outlined on page 1 of the Payoff. I have ordered a pay history ( see attached ) to be sent to you via email as well, showing all of the escrow disbursements made from your loan. Once you have this, if you still disagree with the current negative balance on your loan, or any of the disbursements, I strongly recommend calling in to our customer care at XXXX to discuss this. Our review shows all of the balances as accurate, and no amended/adjusted PO quote will be done/provided. If you intend to pay off your loan, the amount we sent is what is due. '' XXXX XX/XX/XXXX until XX/XX/XXXX, I called BSI Financial Services requesting assistance with the escrow balance on my PayOff statement and no one was able to provide me with an understanding or a statement of what was paid with the {$12000.00}. escrow balance, or explain why this balance was owed if my mortgage was current prior to the sale of the home on XX/XX/XXXX.
XXXX XX/XX/XXXX settlement was made and the house was sold. I paid the {$12000.00} escrow balance at closing and continued to dispute with BSIXXXX XXXX XXXX that this was incorrect and I was owed a refund for the overpayment at closing. ( see attached XXXXXXXX XXXX ) -On XX/XX/XXXX I emailed XXXX stating, " I need a breakdown of what exactly has been paid with the XXXX escrow account. I am aware that the homeowners insurance increased and the amount paid from the escrow account was {$2600.00}. I need to know exactly what was paid besides the homeowners insurance and how you arrived to the escrow balance on the payoff. I have requested this information several times from customer service and again from you. The transaction history statement I received from BSI does not specify which amounts were allocated to taxes and insurance.
The PAHAF ( {$13000.00} ) grant paid mortgage, tax, insurance payments from XX/XX/XXXX to XX/XX/XXXX. The amount paid was the agreed amount to bring my mortgage current. It is extremely important that I also have a clear understanding of what exactly the grant funds covered as they requested and paid the exact amount that would pay to bring my mortgage current. Again, the documents I received from BSI/XXXX Mortgage group are not helpful and do not explain which of the escrowed payments applied to taxes and insurance. I do not want to continue feeling left in the dark regarding this. It has been frustrating enough not getting help from your customer service department. '' -On XX/XX/XXXX I emailed, XXXX, XXXX, XXXX, and XXXX, stating, " It's been 10 days since I last reached out to you about this and I have yet to receive a response or help from customer service. I expect the breakdown of what the {$13000.00} HAF payment covered from XX/XX/XXXX to XX/XX/XXXX and what the {$12000.00} taxes and insurance escrow balance paid. As I mentioned in my previous email, the amount paid by the HAF program was the agreed amount to bring my mortgage current. BSI/XXXX XXXX did not pay my taxes on my 2 lots in XXXX and I have proof of this negligence from XXXX XXXX XXXX I need to see the breakdown and proof of payments by end of the day today. I've been more than patient. I want what is owed to me. According to the Consumer Financial Protection Bureau, BSI has a recurring history of violating the Consumer Financial Protection Act of XXXX, the Real Estate Settlement Procedures Act, and the Truth in Lending Act. My next step is to contact my attorney and CFPB regarding BSI financialXXXX XXXX XXXX .
-On XX/XX/XXXX I finally received a response from XXXX stating, " XXXX XXXX there is nothing that I can do for you. I have the Managers at BSI working on this. I have asked numerous times for answers. I do not have access to the XXXX XXXX at BSI. '' -On XX/XX/XXXX I responded, " This is unacceptable. This is extremely unprofessional of the Managers at BSI. They need to contact me today. '' On XX/XX/XXXX I received an annual escrow statement letter from XXXX ( attached ) which states that on XX/XX/XXXX " YOUR ESCROW SURPLUS IS {$2700.00} ''.
On XX/XX/XXXX I received an email from, XXXX, CC 'd, XXXX, XXXX, and XXXX, stating : " I will be addressing your questions regarding the taxes. I have included @ XXXX in this communication so he is able to break down how the HAAF funds were applied.
Taxes : I understand it was your request for BSI to provide you with receipts for the taxes paid. Unfortunately, we do not receive receipts from the tax office. We use the payment history screen from their website to verify and validate payments due and payments received. Going through the payments made, there were taxes due, and we made the payment, which arrived at the Delaware County Tax Claim Bureau on XX/XX/XXXX. The tracking # for this payment is XXXX. The taxes paid were for XXXX and XXXX for parcel # XXXX and Parcel # XXXX.
We did further research, and it seems that our tax vendor did not set the tax lines up accurately when the loan was boarded into our system. We were able to verify that there were some issues with 2 parcels having the taxes paid timely ( this loan had 9 tax lines reflecting 3 identical parcel # s ) This has since then been corrected and updated. Because we were being charged penalties and now that this oversight was discovered our vendor has since then reimbursed us for the penalties incurred and paid by BSI.
-On XX/XX/XXXX I received an email from XXXX stating, " Attached is a payment history for your account reflecting the application of HAF funds effective XX/XX/XXXX in the amount of {$13000.00}. ( See attached Statement ) The attached statement states that on XX/XX/XXXX I owed an escrow balance of - {$6100.00}.
-On XX/XX/XXXX I responded to stating, " The payoff delivered to me on XX/XX/XXXX has the escrow balance at {$12000.00} which I paid on XX/XX/XXXX. The statement attached states that on XX/XX/XXXX the escrow balance was - {$6100.00} and on XX/XX/XXXX {$4400.00} from the HAF was applied to the - {$6100.00}. Am I reading this correctly? This basic math would put the escrow balance at- {$1600.00}. Please advise how you all arrived at - {$12000.00}. Look, we all know BSI has a recent history of violating the Consumer Financial Protection Act of XXXX, the Real Estate Settlement Procedures Act, and the Truth in Lending Act. I don't want this to be dragged out any further than it has to be.
-On XX/XX/XXXX, A portion of the HAF {$13000.00} funds was applied to the negative escrow balance of - {$6100.00}. The amount applied was {$4400.00} which would leave a negative escrow balance of - {$1600.00} however, the payoff statement I received on XX/XX/XXXX stated that I had a negative {$12000.00} escrow balance which I have proof in statements attached below that this is not true and BSI Financial XXXX XXXX XXXX owes me {$10000.00} now that I have paid this {$12000.00} escrow balance at settlement on XX/XX/XXXX.
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| 11/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Fees or costs after closing
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Web |
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Sold property XXXX ( Closing ) 1. Original Pay Off requested included a charge for {$4800.00} for Foreclosure legal fees. This was submitted to me XXXX - 10 days before closing.
2. PO also included XXXX XXXX in interest and default interest to be refunded if close was prior to the closing date on the PO. It closed a day before PO closing date.
3. Insurance refund was calculated with a XXXX closing NOT XXXX so 3 extra days of insurance were due that were not refunded.
4. In XXXX, I received an invoice from BSI for {$2800.00} for XXXX interest due. THIS WAS AFTER THE HOUSE CLOSED AND WAS FULLY PAID OFF. I'm sure they get a lot of little old ladies with this practice. ( Statement attached here ) I requested an accounting and explanation of what this foreclosure legal fee was given that I had not been served with an official foreclose, only a warning of such.
They sent a screenshot of 2 lines of text ( attached here ) breaking it down to {$2800.00} for " XXXX XXXX '' and {$2000.00} for " anticipated filing fees ''.
I pointed out that as the house was under contract and closing in a few days, they were hardly likely to incur any filing fees for foreclosure let alone $ XXXX of them. I further demanded clarification of what the {$2800.00} was for. What had been done given this only materialized AFTER the house was under contract. I demanded a breakdown from their lawyer.
On XX/XX/ ( 5 days before closing ) they sent a copy of their lawyer 's invoice for {$1400.00} dated that same day, with the action/charge ALSO dated that same day, with ZERO hours of work clearly attributed to the charge. ( invoice copy attached ) IMPORTANT NOTE : 1. This amount did not match their attempts to charge me {$4800.00} 2. The house was under contract and 5 days from closing when BSI supposedly sent this to their attorney for foreclosure .... obvious question is " why? '' at this point?
3. This " charge '' /invoice was generated AFTER they tried to charge me {$4800.00} and I demanded proof/justification- they were clearly trying to cover their asses having been called out on their fraud attempt.
The final Pay Off dated XXXX had a closing date of XXXX - one day after it actually closed. They therefore owed {$240.00} in interest and default interest for that extra day that they withheld in the PO. ( PO attached here ) After closing I tried to contact BSI to get these matters resolved. They were completely unresponsive. I was forced to hire an attorney and file a claim with CFPB ( this is the 2nd one ). When I finally was connected to a XXXX XXXX, after the CFPB filing, who had been on the email string that I and my attorney had been using but he had failed to respond to, we went through my concerns. He acknowledged that the insurance was 3 days off but tried to justify it by saying they took 3 days to process my payment after receiving it. I made it clear that if they took 6 months to process it, that was their problem, not mine. Payment was received on the XXXX and thats when insurance should have been canceled and refund made from. He said he'd talk to the insurance people. On the matter of the interest not refunded for the extra day difference between closing date and PO date, he agreed and said he would talk to someone. On the legal he would not budge and when I mentioned that my lawyer had looked at it, he said he could no longer talk to me but only to my lawyer and to have her call. It should be noted that when I pointed out that I had filed a claim with you, the CFPB, XXXX XXXX was quick to claim you had no jurisdiction in this case. Obviously a lie. One of many.
My lawyer called the next day and was given the run around and refused access to anyone to talk to including XXXX XXXX.
I called back and someone kindly gave me XXXX XXXXXXXX XXXX supervisor 's name and contact info, a XXXX XXXX XXXX. XXXX XXXX then sent me a release to authorize them to speak to my attorney which I did.
My attorney and XXXX XXXX spoke and exchanged emails thereafter.
XXXX XXXX AGREED that the insurance refund was INCORRECT and issued a new refund for the difference of 3 days. ( Note it took my hiring an attorney to get this. ) On the matter of the interest, XXXX XXXX pointed out that {$130.00} of regular interest had been refunded but denied responsibility for the {$110.00} of default interest that is clearly listed under the {$130.00} on the PO as daily accrued interest. His explanation as you will see in the attached emails is that prior to closing, prior to the generation of that last PO document, BSI had credited me some default interest.
As we pointed out to XXXX XXXX ( also in the attached emails ) those credits were PRIOR to the PO and PRIOR to closing so had already been factored in at the time of the PO generation. The PO was the final document and as such, took into account any previous credits which were given because BSI had botched a previous sale a month prior by not responding to requests for a PO before the buyer 's offer expired. So bottom line is they still owe the {$110.00} for a day of default interest listed on the PO for the extra day from XXXX.
With regards to the legal, several explanations were given the first being that it was a " referral '' fee to the lawyer which obviously makes no sense. My attorney contacted both the XXXX XXXX XXXX XXXX to ask whether this was a common practice and both unequivocally said " no '', that they had never heard of such a thing and that it was suspect of highly unethical practices. When confronted with this, XXXX XXXX returned days later with an explanation that under XXXX guidelines they are permitted to charge a milestone fee.
1. This was not a XXXX loan. It is a hard money hedge fund financed loan.
2. XXXX XXXX kindly clearly states that the foreclosure referral to their attorney did not occur until XXXX - 5 days before closing and a week AFTER I demanded proof that they had incurred the legal fees they were trying to charge me. So ... at best extremely unethical and suspect behavior. Why would they initiate a foreclosure 5 days before closing while the house is under contract and only after I demand justification of legal fees they're trying to charge me? Remember the original amount they tried for was {$4800.00}! They are basically throwing spaghetti at the wall and seeing what sticks.
XXXX XXXX sent my attorney an arcane document of accounting and invoices that made little sense including charges for foreclosure title searches initiated the day AFTER the property closed. ( attached here ) This was obviously to muddy the waters.
Summary : Insurance : The admitted to owing an additional 3 days from what was refunded after the closing and made this payment satisfactorily after having to file with the CFPB and enlist an attorney.
Interest refund for extra day in PO : They refunded the normal interest of {$130.00}, but still outstanding and owed to me is the one day of default interest as shown on the PO of {$110.00} Foreclosure legal withheld in escrow : For all the reasons explained above, the {$1400.00} that they withheld for services that were never rendered and for a file that was generated 5 days before closing and AFTER my demand of proof, this amount is owed in it's entirety as a refund to me.
The XXXX statement invoicing me for {$2800.00} for interest AFTER the house was fully paid off, I made clear to them I wasn't going to pay this and will not. Again, I can't help to wonder how many people they con with this ploy.
Lastly, as they were unresponsive to my attempts to communicate, I was forced to file a complaint with the CFPB and hire an attorney. My attorney 's fees totaled {$3700.00} ( invoice attached ) So currently outstanding and owed to me still by BSI : 1 day of default interest ( XX/XX/ ) refund = {$110.00} Foreclosure legal " referral '' fee = {$1400.00} My attorney 's fees in pursuing this = XXXX Total owed to me by BSI to date = {$5200.00}
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| 11/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am asking for your assistance in an attempt to resolve issue with BSI Financial due to no longer possessing the physical nor mental wear with all to deal with the noncompliance, misleading, misinformed, misguided, and degradation by some over several occasions ( more than 20 calls made from XXXX til now ) upon contacting BSI in an attempt to gain fill and signatures upon four forms ( initiate continuance of financial housing assistance/subsidy ) that have been submitted by way of fax, email ( downloaded to portal ), voice message request, third party submission via fax or email ( third info. given repeatedly ). The lack of cooperation in just sending an email, making a phone call or faxing County agency for clarity on what forms are, there function, and proper preparation has been totally ignored in spite of numerous request to reach out to the agency , County of XXXX XXXX, XXXX XXXX housing specialist II in order to receive much needed assistance to be paid out to BSI Financial per mortgage payment. This assistance is called Section 8 Homeownership assistance. Unfortunately BSI Financial bought out a loan that was and has been receiving ongoing mortgage assistance since its inception via the County of XXXX ( HUD affiliated ). In doing so, the County of XXXX is in need of four forms to be filled out by BSI in order to continue assisting property : Housing specialist XXXX XXXX informed me as of late XX/XX/2021 via email that she had not received any response back in her reaching out via phoning and faxing BSI in an attempt to have forms completed.She sent me forms needed and asked if I could attempt to gain a contact person, stated will do. I faxed the forms myself along with phoning for who contact person was for the task at hand was given XXXX XXXX per XXXX as confirmed individual-fax request was addressed to her along with program and XXXX XXXX information in the case there was a need for clarity, any other questions, or for return. I phoned XXXX and gave contact info. given for XXXX XXXX. I phoned back after XXXX XXXX was told via cstmr. care rep. XXXX upon him contacting XXXX XXXX that she did receive the faxed forms and that she was not the contact but in fact loss mitigation and that forms would be sent to Legal dept. on that day. She had not acknowledged forms ( nor reached out ) that were faxed to her on XX/XX/XXXX. I was instructed by XXXX to give it 14 days, phone back for status, so I did. Upon phoning back I was told there is no legal confirmed XXXX XXXX is the individual over account that had just been acquired as of XX/XX/2021. I have left several messages for XXXX XXXX ( will not respond nor allowed to speak with anyone of authority directly ) along with housing specialist XXXX XXXX, with no response to us both. Thereafter I was told to download the forms ( forms that had been faxed twice by way of myself and XXXX ) to my portal-I complied. After which I inquired if now they be completed I was told they need to be completed by you, which was incorrect ; asked that the Housing Authority of the County of XXXX be contacted for authenticity, refused, betrayed by yet another cstmr. rep.. I would hang up and dial BSI two times a week phoning three times each on each day ( six calls a week ) speaking with different reps.each time receiving variations in information pertaining to the four forms-variably lied to that theyd be completed, legal would do it, I need to apply for XXXX, they are very familiar with forms, wrong forms have been sent and the falsehoods continue : my worse nightmare! This has went on for the last months up til last phone call made as of XXXX. Spoke to as if youre non viable, degradated by not all but most. When asked to speak with a supervisor due to the importance of these forms to my livelihood blocked! If asked why wont someone just phone XXXX for explanation and the how to since they were totally unaware of proper handling, refused an answer or lied to. Told she was phoned would ask when was unable to provide a date nor time when act was committed not to mention each time I phoned BSI I would phone XXXX XXXX on whatever non update I received, shed state each time no one has contacted her. I was told XXXX was supervisor ( given her name on two occasions with extension once-left message no response back. I was hung up on after discussion and awaiting transfer to supervisor or always told unavailable. I was never allowed to speak with legal, XXXX XXXX, XXXX nor any manager to receive clarity in proper handling of situation or recourse. At this point I wanted to know if it could be completed or not, continually stated shall be done and that XXXX XXXX is the person. Many argumentative phone calls later, I spoke with a cstmr. rep. who actually seemed to care about what I was sayin she reached out to a manager ( had become common that I can not speak directly to anyone of authority. She confirmed yet again that XXXX XXXX is the overseer and that I place a third party authorization on my account for XXXX XXXX and all county entities and HUD, so I did. Upon my second phone call made to BSI on the date of XXXX, I stated to the cstmr. rep. that I have no recourse but to file a discriminatory non compliance in the handling of my new account via BSI Financial with CFPB. I expressed how Ive written/expressed the validity of funds needed to sustain my mental/physically very medically fragile adult son and the threat theyre posing to sustaining housing for a family of meager means but more importantly my adult son receiving this precious assistance keeps him in home and safe from being convalescence during a time that would not only be costly but deadly in his circumstance. I am trying to literally just keep a roof over our heads during these troubling times. BSI has introduced financial strife and threat to my doing so-Im paying full mortgage payment out of pocket on time so far in spite the need for the continued assistance. The mental angst is strongly felt as my son and myself are being discarded, not considered viable by this company. My greatest wish would be for my loan to be twice removed from this company but being told can not be done til sixth month, so meantime I would wish for my loan to be handled by someone else, not XXXX XXXX. I attempted to file a complaint via CFPB on XXXX as I gave information was told that rep. XXXX computer had timed out saving none of what was stated to her by myself, I wanted to give up! But I can not, I have to fight for my son and all those like him and in a situation as mines. My son is very ill as I write this, I am exhausted and scared. I made a last stab attempt on XXXX just to see if BSI would be kind they were not, told they have nothing to do with past events told once again that forms would be sent to legal per supervisor XXXX conveyed by an unforgiving cstmr. rep. XXXXhis rude reinvigorated me to reach out and ask sincerely for your assistance in helping me continue sustaining my sons life by way of this appreciated assistance received from HUD via the Housing Authority of the County of XXXXand of course your agency due to helping recent past. Any information you can help provide me in resolution will be solely appreciated-I am at a complete stalemate with this deceptive company. No one of meager means with health issues should be treated so unjustly its inhumane. I just want to ensure if I were to precede my son in death that he has a safe place to reside, they are working against this reality-its shaming.
Thank you for reading
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| 03/31/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX, our income was decreased, and we had car problems on two cars, our refrigerator broke, and we were dealing with medical expenses, which all led us to start falling behind on our mortgage. On XX/XX/XXXX, our mortgage company reached out to us with options to help us keep our home and regain status on our home loan. After talking with XXXX XXXX XXXX and discussing it with my husband, we decided to enter a loss mitigation program. On XX/XX/XXXX, we submitted all the required documents to enter the loss mitigation program. On XX/XX/XXXX, XXXX XXXX XXXX sent us a letter through the mail stating they received all our required documents, and no further action was needed at this time. They advised us that if any other information is needed, they would advise us within 30 days from XX/XX/XXXX, and we would have 30 days to send the info in. They advised us that if additional info is needed the process may take longer than expected. And they will contact us with a decision of acceptance or denial into the loss mitigation program.
While we were waiting for a response from XXXX XXXX XXXX on their decision, our loan was sold to a new company. We are now part of BSI Financial Services and have been told that everything including applications for mitigation of losses will be transferred to BSI FINANCIAL. We received a letter in the mail stating who was going to oversee our account at BSI Financial and a contact number for her. We reached out to her many times over the next four months, only to get a voicemail with no return calls. At this point, we do not know whether the application for mitigation of losses has been accepted or is facing foreclosure.
In XX/XX/XXXX, we got a letter in the mail from BSI Financial stating we had a new person assigned to our account with a new extension and contact information. We immediately began to contact the new person handling our account. After many voicemails, he finally returned our call. He apologized for the delay and said the original person in charge of our account was fired resulting in him taking over. He said that due to the coronavirus just begging he was flooded with paperwork and trying to catch up on everything. He looked over our loss mitigation application and file and advised us that they have everything they need from us to continue the loss mitigation application. He said the application was sent to the underwriter and we are just waiting for a decision. He advised us this event could take a maximum of three months, where our credit would be hit as a no payment for the next three months. He then advised us that we should make a down payment on the loan to show our income is approving. On XX/XX/XXXX, we made an initial payment of {$1100.00}. Over the next three months, we did not make a payment as we were waiting on a decision from the underwriter.
It was now XX/XX/XXXX, our maximum 3-month deadline was now passing, and we still had not heard whether we were accepted into the loss mitigation program. We continued to call the person overseeing our account several times with little success. When we finally did get in contact, he apologized for the processes taking so long, he advised us to start making at minimum our monthly payment but to pay as much as we could each month. He said this idea will only enhance our opportunity to be accepted into the program. He then assured us that he would contact the underwriter and be in contact with us shortly. On XX/XX/XXXX, we paid {$1000.00}. On XX/XX/XXXX, we paid {$1000.00}. On XX/XX/XXXX, we paid {$1900.00}. On XX/XX/XXXX, we paid {$1000.00}. On XX/XX/XXXX, we paid {$1000.00}. On XX/XX/XXXX, we paid {$1200.00}. On XX/XX/XXXX, we paid {$2100.00}. On XX/XX/XXXX, we paid {$1100.00}. On XX/XX/XXXX, we paid {$1100.00}. And on XX/XX/XXXX, we paid {$1000.00}. During these past 10 months, we continuously made phone calls to BSI Financial asking for an update on our loss mitigation application. We either got voicemails with no return calls or a customer service representative who said they can not give us information on the account and transferred us to the person in charge of our account where we were directed to leave more voicemails. On occasion, we would get a return call with no new information. We vocalized our concern with the processes taking so long. We let our financial advisor know that over the last year or more, though we have been making payments, that our credit score has dropped tremendously, our credit report shows that we have not made a single payment and that our account has been in pending status since XXXX. We were once again apologized to. We were then told there is no reason it should be taking this long when it is a three-month program. The financial advisor overseeing our account said he would personally email the underwriter and find out what is happening and push for a decision and then be back in contact with us.
It is now XX/XX/XXXX and I have had no luck getting in touch with my case manager. And to top it off, I received a letter in the mail stating our loan has been placed to a new person within BSI Financial. The letter had her contact information on it. Frustrated that this is the 3rd person in BSI Financial that has been assigned to our loan, I called her in hopes she would be able to get us updated information on our loss mitigation application that we started in XXXX. With no luck, I got her voicemail and no return phone call. I called customer service where I was told the account is STILL in pending status. I asked for a manager 's contact information so I could try to get to the bottom of this on my own. I hung up with customer service and immediately called the manager. I got a voicemail where I left a message and never got a return call. I then got a letter in the mail stating our loan is now under the previous BSI representative that we had already, and his contact information was listed.
I did not try to contact him again. I then contacted a lawyer and started doing research on BSI Financial. The lawyer I contacted advised me that he personally could not take on my case due to a conflict of interest but advised me to continue to try to find someone who could help me. While doing research, I found that in XXXX CFPB had opened a case with BSI Financial for the exact same issue I am dealing with. At this point, our credit has been hit so hard over the last XXXX months. I can not get a hold of anyone that can help get our account out of pending status. So, I decided to file a complaint through CFPB in hopes that our account can be handled properly.
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| 10/26/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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My name is, XXXX XXXX, and I have a request from you for an amount of {$990.00} plus fees. Recently, I have had a rough last six months. It is no excuse for not getting back with you sooner and even if you are a priority, it is sometimes the little things in life like, oh lets say, keeping your husband alive where you push your focus on just living to the next day. I still cant wrap my mind around the incident. Back on XX/XX/2022, my husband and I decided to finish removing overgrowth around our back yard, which is far from our home. We had borrowed a small tractor with a metal bucket on the front. As we worked, it started to get hot and so are we. On this day, we were supposed to also sign a refi on our mortgage but even that situation didnt happen. What I remember on that day was that my husband of 44 years died in my arms.
XXXX walked around trying to find somewhere to sit down and of course, he picks to sit down inside the metal buckets of the tractor. I took a drink of water and seen XXXX head was leaning back against the metal buckets. He was having a XXXX XXXX. The first thing I did was to say a prayer as I called XXXX. Thanking XXXX he was with me.
XXXX was dead weight at this time. I couldnt lie him down because of the metal bucket that he was leaning into. So I asked XXXX, Dont let me panic, first of all. Fixing the phone where I would be able to talk with the XXXX operator, I then had to hold XXXX head up so that he could breath but he wasnt breathing. I listened and heard XXXX say, the breath will come through the stomach so without thinking I punch XXXX in the stomach. He took a deep breath.
Then I heard, you love him. I knew that meant pump on his heart but he wasnt lying down. He was sitting up. You love him, I heard again. So my hand made a fist and started to pound on his heart. While thinking it has to be hard enough pressure to get to his heart, so how much do I love him. A lot! So I kept pounding until I heard his heart beat with my ear. He needs to wake up. So my hand went to his face and I started slapping him.
At this point, I said out loud to myself, Now I get to slap you. I did this repeatedly. Breath, love, and open your eyes. It seemed like hours. It wasnt but a minute or two, and XXXX was asking me why I was hitting him. He awoke as if he just fainted for a second. I knew better than that. He stood up and walked over and set on the back of the mower. The XXXX was finally coming.
Those guys even brought the stretcher all the way back behind the-house. XXXX was speaking by now clearly to the XXXX. His XXXX XXXX was slightly elevated but nothing to be concerned about. They even mention that they thought that XXXX probably was dehydrated but my reaction was that it had to be much more. As the EMTS started the monitoring of XXXX heart beat, I noticed that they never said anything to XXXX or I, but they shared the sheet of paper among themselves and that XXXX shouldnt even walk to the gurney. XXXX stood up and walked to the gurney.
They immediately took him to the hospital. I had to wait for my granddaughter to get home from culinary school, so when we finally get to the hospital, XXXX was already in XXXX. The doctor told me he had a 100 % blockage where the blood was not pumping through his heart but behind his heart and that it took two stents instead of just one. Since it happened, it has been hard trying to get to the right doctors with the right medications. Its very daunting. We have been married for 44 years. We married when he was sixteen and I just turned 20. So being older you would think I would have the blockage but to lose someone so quickly. Blows your mind! I praise XXXX because he kept me going where I could have lost my love. Im blessed.
However, two months later I get XXXX, my granddaughter gets XXXX, then my husband as well. I literally had it for a solid month. Everyone else only had it a week but not me. No, I had it a whole month not being able to breath through my nose or even to think straight. My nose was so sore and red as a beet. Finally, I started feeling better than death warmed over, so hopefully I can get this situation finalized.
First, On XX/XX/2022, my husband had a XXXX XXXX, and it was also the day were supposed to refi with another mortgage loan. In process of getting the loan, the mortgage holder wanted an update on our mortgage. Therefore, before the loan was accepted and signed the insurance was increased to cover the aspected loan needed. However, because of my husbands XXXX XXXX, we were not able to sign the loan and once I had a chance to look over the loan we decided that the loan was not right for us.
However, while we didnt sign for the loan the insurance was do in XX/XX/2022. While I worked to get the insurance back to the original amount, I believe BSI paid the increase in escrow. In addition, I called and had my insurance to send the mortgage BSI a copy of the corrected declaration page and the corrected amount.
In addition, our mortgage is paid through a company called XXXX XXXX XXXX where our payments are deducted from our checking account every two weeks. And we have not missed a payment. Our account number is # XXXX. Also, the way we pay, which is every two weeks a year. We pay an extra two payments a year. So why do I owe Two late payments? It start in XX/XX/2022, I received a statement on a extra payment was necessary To be made. Once again my payments are taking out by autopayplus and distributed to BSI. so how am I two payments late now, which is a total over {$3900.00} but with no explanation why. Now they have sent me a loss mitigation to file with them. I dont understand why the insurance has not been corrected and why and how do I owe more money.
Please let me know if this is good with you, so that we can resolve this issue quickly. This letter is to resolve the issue between BSI MORTGAGEand XXXX XXXX. You can contact me by email at XXXX anytime or by mail at XXXX XXXX XXXX XXXX, XXXX, FL. XXXX.
Thanking you in advance for any inconvenience this may have caused you.
XXXX XXXX ( XXXX ) XXXX
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| 12/08/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XXXX of XXXX, during the height of the pandemic, we found ourselves struggling, but still able to pay bills. Even though I am a XXXX ( for a XXXX XXXX company ) my hours got cut significantly and my wife was ( still is not ) working due to a work-related injury. We had gotten something in the mail from the mortgage company ( BSI Financial Services ) advertising forbearance as an option to help with the mortgage payments, so we gave BSI a call to get more information. The way it was explained to us was that we would not have to pay any monthly mortgage payments for a period, then after that period they would just tack it on to the end of the mortgage term. We figured since we were struggling a bit, it might ease up the load, so myself and step son ( borrower and co-borrower ) agreed to doing the forbearance. Five months later ( XX/XX/XXXX ), the forbearance ended and we received a letter stating the forbearance amount of over {$13000.00} was due in full by XX/XX/XXXX. We called BSI and got transferred from one person to another to another to another until we finally stated that we wanted to talk to a supervisor who then offered us a three-month extension on the forbearance and told us that at the end of the three months we could do a loan modification to have the forbearance amount put on to the back of the loan term, so we again agreed to do the forbearance. In XXXX, when the three-month forbearance was up, we called them to discuss the loan modification. We were told that someone will get back to us in 48 to 72 hours. We waited about a week before we called again. When we complained that no one called us back, the lady at BSI snapped at us and said that we weren't the only ones trying to get out of their forbearance and that there were thousands of people trying to do the same thing. She then said that someone will contact us in 48 to 72 hours. Again, we waited about one week before calling BSI again. This time ( on XX/XX/XXXX ), we asked to talk to a supervisor and stated that we would not wait anymore for someone to call us back. We were assured that the supervisor would call us back, so we agreed. She actually called us back within an hour. She eased out minds and stated that she would get us to a case manager that would get the loan modification process started and gave us her email so we could communicate that way with her should we have issues in the future. That same day the case manager called us and got all the information she needed from us to begin the loan modification process. After not hearing from our case manager for a few weeks ( even after repeated calls and messages being left, we called her supervisor to find out what was going on. She stated that she would get in touch with our case manager. Our case manager then emailed us on XX/XX/XXXX, stating that she had started a title search on the property and that XXXX would email us regarding the title order. She also said that this whole process could take 30 to 60 days and asked us to be patient. On XX/XX/XXXX, our case manager emailed us stating that the title came back clear and that she was now just waiting on taxes and escrow so she could submit to the underwriters. We gave it a couple of weeks before we attempted to contact our case manager again, multiple times, with no response. We finally contacted her supervisor again on XX/XX/XXXX, and found out that our case manager was no longer with the company and she never submitted a request to the underwriter 's review for the loan modification. The supervisor then told us that she was now giving us another case manager that would take care of things and apologized for this happening. She stated that all the necessary documents would be forwarded to the underwriters by the end of that week. We gave it two weeks then called our new case manager multiple times without any response. We, again, called the supervisor who apologized again and stated that she would get us to a new case manager. On XX/XX/XXXX, we spoke with our new case manager who assured us that we would get this process over soon. On XX/XX/XXXX, we were presented with three loan options and we chose one. Our new case manager was very responsive to our emails that week, then nothing. We gave it about two weeks ( XX/XX/XXXX ) and asked if there was any update. He responded the same day stating that it appeared that there was a delay with the title report. He assured us that this would not cause any delay and that everything should be ready in the next two weeks. On XX/XX/XXXX, and XX/XX/XXXX, we contacted our case manager to see if there were any updates. He responded on XX/XX/XXXX, stating that the documents were in the QC review process and should be ready for issuance before the end of the week. On XX/XX/XXXX, we emailed the case manager and finally got a response on XX/XX/XXXX, with him stating that there was a delay in the receipt of the title report. He stated that he had escalated the issue to management and he stated that the new first payment on the loan would be pushed to XX/XX/XXXX. Later that day we emailed him and asked if we could please speak to him on the phone. We got no response and emailed him again on XX/XX/XXXX, and still no response. We have gone back to calling multiple times with no response. Messages left, no response. We called just yesterday and asked to speak to a supervisor and we were told it wouldn't make a difference and that someone would call us in 48 to 72 hours. We called again on XX/XX/XXXX, and spoke with XXXX XXXX and we were told the title was yet again delayed. We have called twice today ( XX/XX/XXXX ) looking to speak with a supervisor and we are getting voice mails, but we never get calls back when we leave voice mails. We are done with this. Can you please help us to get this resolved? We know we're not the only ones they are doing this to.
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| 08/20/2020 |
Yes |
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- Trouble during payment process
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Web |
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My loan case was originated with FHA prior to XX/XX/XXXX, a 30 year fixed loan with >90 % LTV. For such loans, they are eligible for MIP removal at 78 % LTV if in good standing after 5 years. On XX/XX/XXXX I made a substantial payment toward principal of the loan in order to achieve 78 % LTV. I noticed in early XXXX that they had not correctly applied this amount toward principal, but had left it as " unapplied ''. I called customer service on XX/XX/XXXX in order to have this unapplied balance applied to the principal of the loan, and confirmed that the LTV would still be below 78 %. The customer service representative informed me that I needed to submit a request in writing to remove the MIP, which I did the same day. I have a copy of this letter available upon request.
In XX/XX/XXXX, I noticed that my loan servicer had still made a disbursement to MIP, so I called to understand why this had happened. The customer service employee informed me that the loan was not eligible because it is an FHA loan. I informed them of the XX/XX/XXXX changes to FHA MIP requirements ( available on the FHA website, top search result for " FHA MIP '' ), and they said they would have to review the case and would call me back. I never received a call back.
In XX/XX/XXXX, I noticed another disbursement to MIP, so called my loan servicer again. This was largely the same conversation as happened before. The person was confused, did not know what MIP was, but read from a chat conversation they were having with someone involved in PMI XXXX, describing the rules for PMI removal. I informed the individual of the distinction between PMI and MIP and the different rules that apply to FHA loans, and the different eligibility rules depending on when the case was originated. I was told I would receive a call back later in the evening ( Friday ) or on Monday. I never received a call back.
In XX/XX/XXXX, another disbursement was made to MIP, and I received a letter on XX/XX/XXXX from the PMI Processor, informing me that " Your loan is an FHA loan and per FHA guidelines the premiums will not be removed until the Final MIP date is met. The Final MIP date is set directly by the FHA. Your loan shows the final MIP date as XX/XX/XXXX once the last MIP payment has been made the process to remove the FHA will be completed. '' This answer is an incorrect interpretation of the FHA MIP rules. On the letter, there is a call-back number for any questions or clarifications, which is the standard customer service number.
I called today ( XX/XX/XXXX ) and spoke with another customer service representative, having pretty much the exact conversations we have been having about MIP removal, but updated describing the various other times I have called and been promised calls back but not received them. This individual was able to get in touch with someone in regards to PMI processing, and delivered the same information as in the letter, that the loan is ineligible. I asked to escalate for further review and to speak with someone who would make the determination, because I believe the rules are not being interpreted correctly. The customer service representative requested what my source of information on the XX/XX/XXXX rule change was, and I directed them to the FHA website page. They said they were unable to get in touch with someone at this time who could discuss the details of my PMI, but that they would give me a call back. I asked how long it should take to get a determination and they said 24-48 hours. I told them I've heard that story too many times from them, and that I would like a direct callback number in order to resolve the issue in the case that they don't call me back in that amount of time. I was given the 1-800 number for customer service. I pressed about a direct number and was told none could be provided.
This is the most pressing issue among many others with this servicer. My loan was transferred to them in early XXXX, and immediately I noticed on their website how little information is available concerning the loan details and history. We made a change to our flood insurance coverage in XX/XX/XXXX and I emailed the new documents to the servicer, but never received any confirmation of receipt or changes that had been made. In fact, I've never received a single response to an email I've sent them in regards to anything, even an acknowledgement of receipt. The change in flood insurance significantly reduced our annual premium, so an escrow analysis should have occurred. I planned to request this if they did not initiate it themselves in short order after receiving the documents, but a further escrow analysis will be required for the MIP removal. I was assuming they would be resolved around the same time and I would save them the hassle of doing XXXX separate escrow analyses. In the XXXX call to customer service I did ask them to please check the insurance information to verify that they had the latest on file and did not require additional changes to the declarations page XXXX there had been issues when the servicer transfer occurred earlier in the year ). They confirmed that all of the information looked good and that they had the latest documents. However when I click to view details of the insurance payees and real estate tax payees on their site, those fields are blank. HUD is the only payee for which information is available. Overall the website is entirely lacking in transparency and the customer 's ability to manage the details of their loan and verify basic information. If the company 's answer is that you can always call customer service for any clarification of details, my experience is that those capabilities are similarly underwhelming. I'm struggling to find a way to hold them accountable or seek any recourse for their ineptitude.
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| 07/19/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am sending this email in regards to the lack of or lack thereof of customer service that for some reason I can not receive.
I opted into taking advantage of the forbearance plan, I was told that it was to end in XX/XX/XXXX, Which I said great at that time I stated to my representative handling my case to let me know what is needed and she said she would be in contact with me and that I would be receiving my papers in the next 30-40 days ( XX/XX/XXXX ) The following is an itemized calls and emails from XXXX XXXX XX/XX/XXXX Left Message 1. XX/XX/XXXX : spoke with XXXX XXXX, and stated my forbearance is extended until XX/XX/XXXX 2. XX/XX/XXXX : called and left a message in regards to modification papers @ XXXX : NO RETURN CALL 3. XX/XX/XXXX : BSI Called and I spoke to XXXX asking him about the process as well 4. XX/XX/XXXX Left voice mail @ XXXX : NO RETURN CALL 5. XX/XX/XXXX left Voice mail @ XXXX XXXX : NO RETURN CALL 6. XX/XX/XXXX I emailed XXXX and she replied back with 2 options to choose from out of the forbearance, I chose option # XXXX payments to be {$990.00} at 3 % interest rate 7. XX/XX/XXXX I emailed XXXX back @ XXXX asking about my modification papers that I have NOT received them 8. XX/XX/XXXX : XXXX replied I have a new start date of XX/XX/XXXX or thats when I thought I was receiving my paperwork 9. XX/XX/XXXX : I emailed XXXX @ XXXX XXXX checking in and seeing when my paperwork will arrive : NO RESPONSE 10. XX/XX/XXXX : Emailed XXXX again, no response 11. XX/XX/XXXX : Left message VM : XXXX XXXX 12. XX/XX/XXXX : Left message VM : XXXX XXXX 13. I emailed XXXX and the following was said : XX/XX/XXXX : XXXX answers are in red she replied on the XXXX of XXXX I have made numerous attempts to see where the status of my account is? loan is still with processing team working to get documents out to you I previously requested information and have left you messages as well, I'm sure you are overwhelmed but I just am concerned about my loan. Your loan you just waiting for us to send documents out to you, credit is still on hold, so youre good.
I have sent in a payment in XXXX for the amount in option XXXX. Yes, I received funds will be moving your start date to XX/XX/XXXX to start making payments I am sending the same amount again today {$990.00}. you can send funds if you want, funds will not get posted until after we bring loan current.
Please Advise.
14. XX/XX/XXXX : I requested a payoff of my account to see where things stood, I did receive that.
15. XX/XX/XXXX I emailed XXXX asking her about modification papers : NO RESPONSE 16. XX/XX/XXXX : Called and left VM for XXXX again concerned ABOUT PAPERWORK 17. XX/XX/XXXX I called back and chose a different option to speak to a customer service rep, I spoke with XXXX explaining everything, and she then told me I had a new representative her name was XXXX XXXX, I asked her why I was not notified of this and she emailed XXXX while I was on the phone with her explaining the station at hand. Asking her to call me asap. I was at this time informed that XXXX is NO LONGER with BSI.
18. XX/XX/XXXX XXXX XXXX returned my call @ XXXX XXXX 7 days later, I asked her when should I be receiving my paperwork, she said any day it will come XXXX to sign it and have it notarized, we spoke for 3 min and 40 seconds.
19. XX/XX/XXXX : Emailed XXXX at @ XXXX about what I was told from XXXX and sent her the string of emails as I am sending you.
20. XX/XX/XXXX : emailed XXXX at @ XXXX XXXX again to follow up no response 21. XX/XX/XXXX : called @ XXXX XXXX spoke with XXXX about needing answers we spoke for over 13 minutes and she again emailed XXXX directly while I was on the phone with her and XXXX replied I will call her later I am in a meeting. Never called me back. I also was sent to a different dept and sat on hold listening to music for 38 minutes and no one answer my call 22. XX/XX/XXXX : XXXX XXXX I called again and spoke with a gentleman, again explaining all of my issues and needs for answers and at that time emailed her directly and CCd her supervisor.I was on the phone with him for 12 min and 27 sec.
23. XX/XX/XXXX : called again and again I left a message to please have someone call me and NO RETURN CALL I simply am asking for the following : Explanation of the modification papers Why there is nothing in the paperwork stating my monthly payment and interest rate and when is the payment due???? ( which I agreed to option # XXXX in XX/XX/XXXX ) 3 % {$990.00} per month I have made the following payments : NONE OF WHICH I SEE IN THE PAPERWORK XX/XX/XXXX check # XXXX {$1100.00} XX/XX/XXXX check # XXXX {$1100.00} XX/XX/XXXX check # XXXX {$1100.00} XX/XX/XXXX check # XXXX {$990.00} the amount I was told to pay in regards to the new modification that was sent to me.
Why are there late charges applied on a frozen account that is in forbearance.
So, in retrospect, because of the negligence of your past and present employees failure to do their due diligence as an employee of your institution I am now being neglected and penalized, which I find deeply disturbing. I am only trying to get answers and pay my mortgage and become current!! Why is this so difficult. I have CCd my attorney that I have spoken to pertaining to this unprofessional and lack of respect and customer service.
I have provided below the correspondence between XXXX XXXX and XXXX XXXX or lack thereof : The Company is BSI Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
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| 06/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am filing another complaint in response to BSI Financial response dated ; XX/XX/XXXX. BSIs response is a deceptive attempt to XXXX-wash its predatory practices. I respectfully ask CFPB to please continue reviewing my complaint against BSI and to investigate its mishandling of my home mortgage account.
BSI Financial Inc is disingenuous in stating it has applied all funds to my account. In my initial complaint, I provided EXHIBIT H as proof BSI hadnt applied paid funds to my account. As further proof I am providing you with copies of their monthly statements which will also show BSI Financial had not been applying payments made to my account ( EXHIBIT AA ).
BSI states my monthly mortgage payments {$730.00} is current. While my monthly payments are being paid on time, please do not be deceived, the monthly payment amount of {$730.00} only covers the monthly interest rate of the loan which is incorrect. My mortgage loan is not an interest only loan, but a 30-year fixed rate home mortgage loan. BSI is not collecting a monthly mortgage amount to cover the principal, interest, and escrow. Unbeknownst to me BSI has manipulated my loan to only collect interest and is withdrawing from my principal balance to fund the escrow account. Due to BSI Financials mismanagement of my Home Mortgage Loan they have only collected mortgage interest from me and the Illinois Hardest Hit Program, which means BSI has my principal balance in a negative amortization of over {$25000.00}. Please note this amount continues to grow as BSI has not corrected how it manages my home mortgage loan.
Its important for me to point out, I asked BSI the reason my monthly mortgage amount was lowered, and never received a response. It was when I requested an account audit ( EXHIBIT BB ), I later learned BSI was only collecting monthly interest ( EXHIBIT H provided in initial complaint ). As a result, I emailed XXXX XXXX XXXX on XX/XX/XXXX, to request my account be corrected ( EXHIBIT CC ). To date, I have not received an explanation nor has my account been corrected.
BSI is cunningly refusing to address the negative amortization of my home mortgage loan, by stating it will address this in another complaint against them. Please understand, I notified the State of Illinois as the provisions of the Illinois Hardest Hit Program clearly state I will be in default of the forgivable loan and forced to repay the loan if it is in negative amortization. The provisions further state, I am required to report any changes that could affect the terms of the loan agreement. Its important for you to know I am a State of Illinois employee and my salary can be garnished or worse I could lose my job if I owe money to the state and local governments. To be forthcoming and hopefully avoid undue hardship, I reported the negative amortization to the State of Illinois, but I ask CFPB to please continue its investigation as I filed my complaint with you first. To date, I have not received a response from the State of Illinois regarding my complaint.
Know, my escrow account is incorrect as BSI is improperly withdrawing from my loans principal balance, to cover the monthly escrow payments. Without prior notification and explanation, BSI Financial has extracted a total of {$6100.00}, from my principal balance, and the outstanding principal balance has increased to {$150000.00}. These amounts continue to grow monthly as BSI has not corrected my account. More alarming, each month BSI Financial extracts an additional {$0.00} cents from the previous months principal balance transaction, this activity is a red flag of potential financial fraud.
BSI is untruthful when it states it has reported correct information to the credit bureau ; it has not. BSI has falsely reported me as being 30 days late on my XX/XX/XXXX payment ; and being 120 days late on my mortgage payment for XX/XX/XXXX. As important, BSI failed to report actual payments made to the credit bureau and reported me as being delinquent. Note, the Illinois Hardest Hit made its payment to BSI Financial in XX/XX/XXXX ; payment received in the same month it was due is not 120 days late. Please refer to the attached copy of my credit report, which was referred to as EXHIBIT I in my initial complaint.
Its important for me to bring to CFPBs attention, after my loan was reinstated in XX/XX/XXXX, BSI refused to communicate with me to inform me of my monthly mortgage payment amount. In fact, BSI placed a cease and desist on my account. I wrote BSI to learn of my monthly mortgage payment ( EXHIBIT CC ). Please know I didnt receive a monthly mortgage statement from XXXX XXXX until approximately XX/XX/XXXX ; and that mortgage payment was for XX/XX/XXXX ( EXHIBIT AA pg 6 ). XXXX XXXX XXXX of BSI verbally communicated to me the monthly mortgage amount I was required to pay for XX/XX/XXXX. I was also told XX/XX/XXXX and XX/XX/XXXX monthly payments were not owed. However, BSI now plays with these payments to clear itself of wrongdoing.
If you have any questions or need additional information, please dont hesitate to contact me at XXXX XXXX XXXX XXXX. I am desperately seeking your help to restore my home mortgage account with BSI Financial and save my home. As important, I am certain I am not the only customers of BSI going through similar predatory practices.
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| 01/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We refinanced in XX/XX/XXXX, our loan was then sold to BSI Financial Services in XXXX and first paymet was due XX/XX/XXXX.
At the end of XXXX we received a mortgage statement from BSI and went to the website listed myloanweb.com/BSI. We created an account so that we could pay our mortgage.
First problem ( I have pictures of this as well ) when we login to the main page we have a popup that says we've partnered with XXXX XXXX to get you insurance ( home owners which we couldn't have refinanced without proving that we have homeowners insurance ). This popup blocked our loan #, due date as well as how much we needed to pay. There was no 'x ' button and no way to get off the screen. After calling I was told to click anywhere along the edge and it would disapppear but every time I navigate back to the home screen ( not even just every time I login ) the popup is there again. No ability to turn it off ( as of XX/XX/XXXX I can now turn it off for up to 90 days so that is better but still really annoying ). I do not expect to have telemarketing material shoved at me when I go to pay my mortgage. Previously our mortgage has been with XXXX XXXX and XXXX XXXX and if they ever asked a question such as would you like quotes on refinancing it was as you logged in and then you didn't see it again and never showed up blocking any information - clear to click on yes or no.
Second problem - when I go to pay my mortgage online, I am asked for bank information ( totally normal ) but unlike every other institution I have worked with ( utility companies included ) I have no means to link my bank account to my mortgage and instead every single month ( for the next 15 yrs if I am stuck with them ) I have to put in Bank name, bank city, bank state, borrower type, bank acct type, routing number, acct number. First month they even claimed I was not a borrower but I got that resolved. I don't know a lot of those numbers ( namely the routing number which is not so easy to always find ) and usually I just add it in once, verify small deposits or however they link the accounts and then choose that account to pay from going forward. Now I can't do that unless I want them to do automatic payments which I do not want in any way. I pay on different days each month ( around the same time ) but I may have to move money from a business account to a personal account to pay the personal bills and therefore don't want a large sum being deducted automatically ( plus many months I pay extra ). I tried to pay via ACH through our personal checking account and BSI is not listed so would take at least a week for a physical check to reach them. BSI said they don't accept ACH payments so only reasonable way to pay is via myloanweb.com/BSI.
Third problem - every other loan/account XXXX have/had, it is clearly stated the due date as well as the 'grace period '. For BSI it never says you have until XXXX day of the month or XXXX to pay, as soon as you login it says you are delinquent if you login on the second. Our mortgage broker explained that under federal law, we have until the XXXX to pay our mortgage before its considered late, before we can get late fees or that it would be reported to the credit bureaus. In fact on the paper bills it says no late fee will be charged if payment is received after the XXXX. On XX/XX/XXXX I went to pay my bills ( well most of my bills I paid the previous day but since I had to look up a lot of info for BSI I had to wait till I had more than a minute or two ) and went to one time payment - online payment and noticed that there was listed a {$7.00} processing fee added to my payment. When I called, I was told that is because it was after the XXXX and they add that fee and they can't remove it. Well that is not acceptable, they have no right to add to my mortgage and nothing was ever stated telling us this. After speaking with a supervisor, he agreed to waive any late fees and promised that we would not get reported to the credit bureau and gave us the information so that we could have a check sent to them from our bank but this is not a viable long term solution ( truthfully had hoped to pay mortgage down by an extra {$1000.00} but I'm not giving them anything extra ) I have images of every issues with personal details blacked out that I have described above. The answer every time I call BSI is to setup auto payment.
We have a standard 15 year fixed rate mortgage. We have owned our home for over 15 years and during that time we have never been late on a payment or not paid in full. We have good credit scores and have had no problem getting a mortgage or refinancing. I pay all my bills online within the first 8 days of every month ( utilties, mortgage, credit card, phone/internet etc. ) and have had no problem using 1 time payments for each of these ( all clearly state when and how much of a late fee will be assessed or if you pay via credit card you will incur x % or $ x amount.
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| 06/15/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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As of XX/XX/XXXX my home loan was purchased by BSI financial services. Prior to the acquisition of my mortgage loan, I have never missed a mortgage payment. XXXX was my first payment due to BSI. I was unable to make a payment online and sent a check instead for the amount of {$1700.00} total on XX/XX/XXXX.
After two weeks of the check not being processed, my wife and I contacted BSI by phone to ask why the payment had not been processed yet. We were told by a female service representative that they ( BSI ) have not yet received the payment. The female service representative told my wife and I that when they ( BSI ) received the payment that it would post immediately to our account. My wife and I agreed to continue to wait for the check to post.
After some time of the check not being cashed, my wife and I contacted BSI again by phone on XX/XX/XXXX regarding the payment. The representative we spoke to stated that they ( BSI ) still had not received the payment. Being upset as I was I told the representative that I should not be shown as being late for my payment and that I did not want my credit affected. I explained to the representative that I was going to put a stop payment on the check due to them ( BSI ) not receiving the check after a month and that my credit should not be affected due to this issue. I also stressed to the representative that I have never missed a payment on my mortgage and I would not be sending another check.
The representative told me they ( BSI ) would contact me by phone as soon as they ( BSI ) received the check. The representative also assured me that my credit would not be affected. I told BSI ok and concluded my call.
On XX/XX/XXXX, I decided to place a stop payment on the check. I explained to my wife that I didn't want a check out and about where anyone can cash it and when BSI calls to inform us of them receiving it, we would pay it online instead.
On XX/XX/XXXX I received a notification from my bank that there was an attempt to cash the voided check by BSI. It should be noted that at no time did I receive a phone call from BSI to inform me of them ( BSI ) receiving the check. I continued to pay my mortgage payments to BSI online as usual, seeing as the representative told me I was ok to continue to due so and wouldn't be affected.
On approximately XX/XX/XXXX, I was informed by my credit monitoring service that a account was placed as delinquent. I checked my credit report and observed BSI had reported to the credit bureau my mortgage account as delinquent. I immediately contacted BSI by phone to inquire about the reporting.
I asked to speak to a supervisor once the phone was answered.
The male representative I spoke to told me he was a supervisor and asked what he could help me with. I then explained the entire situation to the representative. The representative then told me that none of the service representatives has the ability to assure me that my credit would not be affected and that the late payment was my fault. I explained to the representative that BSI was supposed to contact me once they ( BSI ) finally received the check after not having it a month.
The representative continued to state that it was my fault and not BSI. I told the representative that the way it was explained to my wife and I, our payment wouldn't be shown as late and my credit not be affected by the issue. The representative told me no, if I want to get things corrected to send another payment of the full amount.
I asked if there was another way of having my account placed in good standing. The representative told me only by making the payment. I asked why his representative told me and my wife things were fine and now I am being punished for their mistakes. The representative told me he had nothing to do with what was said.
I then asked for a corporate office number. The representative told me they ( BSI ) does not have a corporate office number. I asked who was in charge to make decisions. The representative told me " his boss. '' I then asked what his bosses number was. The representative told me his boss can be reached at extension XXXX and he would transfer me to him.
The representative then transferred me to his boss. After the transfer, nobody answered the line so I left a message with my name and number for a call back. Here it is XX/XX/XXXX and I have not received a call at all from anyone at BSI, but they have yet again placed upon my credit report another negative item.
I have made attempts to get this issue corrected, yet this is by far the worst company to deal with. I have even reported them ( BSI ) and their poor business practices to the Veterans Affairs in order to keep other veterans from having to endure what I have.
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| 05/06/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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My original Mortgage was through Mortgage XXXX XXXX. When the pandemic started due to Furloughs and loss of employment we entered into a Forbearance. That mortgage company was great to deal with other then when it came time to choose an option when we where due to come out of the forbearance. We where given a list of programs that we could chose to take advantage of to help come out of forbearance. The first option we chose was to redo the loan at that point at the current interest rate at the time and put the loan back on 30 years. The payment would drop down a little and we thought that was the best plan for us. We where informed by that company that we did not qualify for the first option so they would be sending us paperwork to fill out for the second option of taking what was due during the forbearance and placing it at the tail end of the loan which would need to be paid off once we paid off the rest of the original loan. My wife and I filled out the documents and sent them back in XXXX of XXXX. In XXXX of XXXX we get a letter in the mail that the loan had been transferred to BSI Financial. I immediately start calling BSI to check on the status of coming out of forbearance. I finally speak to someone who informs me BSI sees you are still in forbearance but have not received any documentation about the loan. Once I informed the BSI employee of what was going on she replied Its odd that you where told you didnt qualify for the first option since you dont have to qualify for it. She then informed me that she was going to start the process for us to get placed into the first option. I specifically asked So I need to know am I supposed to be making payments now or not? I was told no need to make any payments. You are still in forbearance so when the new application is sent for the program it will take all past due payments and late fees and be wrapped up in the new program. The lady told me I would hear back from her in a week 2 at the most. I waited over 2 weeks and called back. Was unable to get ahold of anyone. I left messages I spoke to other customer service/loss mitigation employees and continued to get more of the same run around. Then I get a call back from my new case representative who informs me that they just received my forbearance info from my previous mortgage company on I believe she said XX/XX/XXXX or XX/XX/XXXX. So I asked for an update on the program that my first representative with BSI told me she was applying us for. The new representative told me she didnt see anything in process for that but that the one from my previous mortgage company was on file but she was going to resubmit it since so much time had past before we where able to get anything figured out. She again informed me that previous payments due would be rolled up into this program. Again I was told I would be contacted back in a couple of days. No call back once again. I spoke with someone yesterday XX/XX/XXXX she informed me that my first payment out of forbearance was due next month XX/XX/XXXX. I thanked her for her time but informed her that I would be calling back today in order to get the details of the program that we where now on. Well I later got and Email from Someone named XXXX XXXX thanking me for calling them and giving me an update basically stating that my payments should have started back XX/XX/XXXX. I immediately respond back and inform this individual that was incorrect because I have been in contact with BSI since that date and I was told multiple times not to worry about making the payment because now it is going through approvals for the forbearance program. I have looked up reviews for BSI and needless to say now I know why I am having such a difficult time. You can never get ahold of anyone and once you do finally get to speak with someone they arent able to give you any type of answers and always say Im messaging your customer professional and she will get back with you ASAP then crickets until I start the cycle all over again. I actual heard about CFPB from those reviews. Im just wanting to get my loan squared away so I can start making my payments and hopefully refinance so that I can get away from BSI.
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| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial Services has been servicing my mortgage since XX/XX/XXXX. This mortgage was transferred to XXXX XXXX XXXX XX/XX/XXXX. Due to health reasons I was forced to file Chapter XXXX bankruptcy XX/XX/XXXX. My mortgage was modified from a previous lender and transferred to BSI Financial. Unfortunately I have had to file two previous complaints against BSI Financial. The first in XXXX involved BSI Financial not sending monthly statements or notification of payment changes to either me or my bankruptcy attorney for the first 6 months after the loan was transferred from the previous lender. BSI Financial acknowledged a system problem and corrected the issue. Unfortunately having not been notified of a payment change or receiving any mortgage statements my loan became delinquent unbeknownst to me when I was paying the lower monthly amount instead of the escrow adjusted amount. I eventually resolved this issue.
In XXXX I was forced to file another complaint against BSI Financial. BSI Financial for several years was purchasing lender placed insurance even though I provided them my insurance information. In XXXX they actually purchased 2 policies. On XX/XX/XXXX they purchased a policy costing {$2000.00} and a subsequent policy for {$2300.00} on XX/XX/XXXX even though I had a policy with XXXX XXXX XXXX XXXX. To put it into perspective my annual premium at XXXX XXXX XXXX cost me {$730.00} in XXXX. In addition I never received notification of such purchases nor a declaration page from the insurance company. To this date I still do not know who underwrote these policies. These misappropriations of escrow monies and purchases by BSI Financial caused severe escrow shortages. BSI Financial resolved this issue nearly 2 years later on XX/XX/XXXX.
This complaint I am filing now has produced the most damage to me and my family. BSI Financial transferred incorrect data to the new mortgage company XXXX XXXX XXXX My final statement dated XX/XX/XXXX from BSI Financial showed a balance owed of {$4900.00}. I was also owed a credit of {$590.00} in unapplied payments so my actual balance was {$4300.00} ( a copy of this statement is provided ). After receiving my first statement from XXXX XXXX XXXX it reflected a balance owed of {$18000.00} which equates to a {$14000.00} difference XXXX a copy of this statement is provided ). This balance was based on information provided from BSI Financial to XXXX XXXX XXXX according to my account manager XXXX at XXXX XXXX XXXX. I immediately contacted both BSI Financial and XXXX XXXX XXXX On XX/XX/XXXX I contacted XXXX XXXX from BSI Financial and sent her a copy of the XXXX XXXX XXXX statement via her email. She said she would get back to me but has not responded yet. A subsequent phone call on XX/XX/XXXX to XXXX at BSI Financial resulted in no call backs either. Please note that my attorney XXXX XXXX did send BSI Financial in XX/XX/XXXX a letter of authorization to speak, call back and/or provide statements to me so BSI Financial would not be out of compliance regarding lender restrictions in contacting borrowers in active bankruptcies. A balance of {$18.00}, XXXX would place me over 14 months in arrears.
On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX attorneys for XXXX XXXX XXXX filed a motion with the Bankruptcy XXXX requesting Relief For The Automatic Stay. This motion was filed as a direct response to the information provided from BSI Financial to XXXX XXXX XXXX. I now need to get my bankruptcy attorney involved which will cost me money to determine how such an error occurred. More damaging though is my discharge of Chapter XXXX has been delayed and a possibility of dismissal could arise. The financial losses to me and my family and the negligent infliction of emotional stress to both me and my family has left me no choice but to seek legal counsel with a potential lawsuit against BSI Financial. Misapplied payments, unnecessary forced placed insurance, improper accounting for a corfirmed Chapter XXXX Bankruptcy, negligent infliction of emotional stress, unfair business practices along with numerous RESPA violations are just a few named illegal practices which have been employed by BSI Financial.
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| 01/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial Incorrect Escrow Calculation & Will Not Resolve/Communicate : At the end of XXXX/beginning of XX/XX/XXXX, I noticed that BSI Financial was scheduled to withdraw a significantly higher amount from my account in the next month ( {$2200.00} to {$3000.00} ). I called their customer support line on XX/XX/XXXX @ XXXX ( EST ) and described what I was seeing and they identified that they were estimating approximately $ 12k/yr in Real Estate taxes for the Escrow and that they also were estimating a shortage for last year based on their same estimates. My Real Estate Taxes were {$7500.00} in XXXX and will be {$7800.00} in XXXX ( significantly less than their estimates ) which I explained to them and gave them a recent assessed value and tax rate for my property ( also publicly available to them ). There was obviously a discrepancy here but the Customer Service Representative was not able to give me any details on the data their estimates were based off. She put in a request ( or at least told me she did ) to have their accounting/finance investigate and correct any issues which would be completed by XX/XX/XXXX. Anytime I requested for a transfer or have contact information for anyone in account/finance department that could share more information or actually make the adjustments I was denied.
I never received any follow-up communication even after the XX/XX/XXXX targeted completion date had past and the issue remained unresolved. I called again on XX/XX/XXXX @ XXXX ( EST ) to follow-up. I was notified by the Customer Service Rep they saw the notes of the prior call but that the request was never internally put through and never investigated/corrected. They would not transfer me to anyone from accounting/finance or anyone else that could remedy the situation and the Customer Service Representative seemed to have hung-up on me during this call. I called back and got another Rep and she informed she would send an internal email to the appropriate departments and that they should have a response in a few hours.
XX/XX/XXXX @ XXXX ( EST ) : Called back to follow back up after no communication and no resolution. Would not transfer me to appropriate departments and told me once again they were sending an internal message/request to get this reviewed. Also told me to send an email to XXXX with any Tax Information from the City that would support what I was saying.
XX/XX/XXXX @ XXXX ( EST ) : Sent an email with my Real Estate Tax information from the City ( preliminary ) to XXXX based on the email address the prior representative had given.
XX/XX/XXXX @ XXXX ( EST ) : Called back to follow back up after no communication and no resolution. Would not transfer me to appropriate departments and told me once again they were sending an internal message/request to get this reviewed.
XX/XX/XXXX - WITHDREW THE HIGHER INCORRECT AMOUNT FROM MY ACCOUNT.
XX/XX/XXXX @ XXXX ( EST ) : Called back to follow back up after no communication and no resolution and they were closed.
XX/XX/XXXX @ XXXX ( EST ) : sent an email with an updated final version of my Real Estate Tax information from the City to XXXX based on the email address posted online.
XX/XX/XXXX sent a message through the email now feature on their website ( still no response ) XX/XX/XXXX : I still have not heard back from them at all and the problem is still not resolved. They took out an additional {$700.00} out of my account in XXXX and scheduled to do the same in XXXX.
This should be a simple fix/calculation in my opinion especially with the amount of data publicly available not to mention the official documents I had sent them from the city to show the actual Real Estate Taxes. Their estimates for the Real Estate Taxes are significantly off. In addition to the fact they have not communicated or corrected the issue in the last month, I am also concerned that a financial company would let an estimate/change with an error this large go unnoticed.
This is a terrible customer experience that leaves me with no faith in the competency of this company.
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| 02/12/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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BSI Financial Services has repeatedly claimed that our payments on this account ( XXXX ) are overdue. We have paid this account IN FULL. We have repeatedly attempted to resolve this matter by telephone and have been regrettably unable to reach anyone who actually has a clue about what is going on with this account. We originally took out this loan in XX/XX/XXXX through XXXX XXXX for the purchase of solar energy equipment that was to be installed on our home. This was accomplished and we began paying our monthly payments of {$210.00}. This payment consisted of Principal and Interest of {$190.00}, and Private Mortgage Insurance premiums of {$20.00}. It should be noted that we were not required to have any type of Escrow account because the lender on our first mortgage was already maintaining an escrow account for payment of property taxes and insurance. The original loan documents clearly state that no escrow account was necessary and that there was not a prepayment penalty should we elect to pay off the loan early.
Over the years we have consistently paid extra amounts to reduce our principal balance. In XXXX, BSI Financial bought the loan. We made a number of extra principal payments in amounts up to {$3000.00}. So on the XX/XX/XXXX statement from BSI Financial, our principal balance was listed as {$11.00}. Our payment amount for XX/XX/XXXX was shown as $ XXXX.On the XX/XX/XXXX billing statement from BSI Financial , the outstanding principal balance was again listed as {$11.00}. Despite this, the billing statement showed a payment due of {$210.00}, the normal monthly amount. This included {$190.00} for principal, {$0.00} for interest, and {$20.00} for the PMI premium. We are at a complete loss as to how BSI Financial came up with a principal payment of {$190.00} when the statement clearly and unequivocally shows a remaining principal balance of $ XXXXThis baffling and disturbing series of events was repeated with the XX/XX/XXXX through current billing statements. The main difference was that these subsequent statements reflected a steadily increasing Overdue Payments balance consisting of the unwarranted payment demands from XX/XX/XXXX forward. At all times, the outstanding principal balance was listed as {$11.00}. In an attempt to reduce this outstanding principal balance of {$11.00}, payments of {$20.00} were remitted on XX/XX/XXXX and again on XX/XX/XXXX. BSI Financials records confirm that they did indeed receive both payments. However, instead of applying either of the payments to the remaining principal balance of {$11.00}, the payments were logged as unapplied partial payments and the amount of {$40.00} is sitting idle in our account. Instead of sitting idle, they should have applied to the outstanding principal balance of {$11.00}. This appears to be due to utter incompetence or as a means of preventing the outstanding principal balance from reaching {$0.00} as it should be. In summary, our account has been paid if full. A Qualified Written Request was sent to BSI Financial on XX/XX/XXXX. BSI Financial acknowledged receipt of the Request by letter dated XX/XX/XXXX. BSI Financial has since reported derogatory information to consumer credit reporting agencies. BSI Financial has refused to retract and correct the information to reflect our true payment history of entirely satisfactory and timely payments. The XXXX Tax Statement shows a balance of {$92.00} on page 2 in the Pre-Payment Disclosure Statement with page 3 showing the payment history. BSI Financial is acting in bad faith and has yet to respond the Qualified Written Request. Furthermore, BSI Financial has now sent us Notice of Default and Intention to Foreclose. BSI Financial is trying to take our home over a loan that was paid in full. This seems to be in retribution and bad faith due to the company buying the loan from another lender in early XXXX for us to then quickly turn around and pay it in full, depriving them of any gains from their loan purchase.
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| 06/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The complaint will be described in the attached documents, but here is an excerpt : BSI Acct : # XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Tax Parcel : # XXXX XXXX XXXX XXXX To summarize the ongoing complaint : Below is an image of BSIs escrow history for my property account indicating XXXX XXXX XXXX XXXX and XXXX XXXXt ( for a net total three debits ) of {$2500.00} when there should be a total of only two debits for this amount. I was overcharged by {$2500.00} and need to be reimbursed for this amount. As outlined in the text below, the likely cause for this accounting error was an extra check BSI sent to the tax office which was not needed, and for which the tax office did not make BSI aware that it was uncashed ( photocopied and destroyed ). BSI needs to confirm this with the tax office ( a direct point of contact is provided, so no need to wait on hold ), and then reimburse me for the {$2500.00} overcharge. Attached copies of property tax bills confirm that only two debits/payments of {$2500.00} were needed to satisfy the tax bill.
BSIs prior response to CFPB complaint # XXXX is not accurate. It was impossible for the {$2500.00} payment in question to have been applied to the XX/XX/XXXX tax bill.
To help resolve this ongoing issue, I physically went to the tax assessors office to gather more information. The office was extremely helpful and provided a point of contact ( POC ) phone number and email for me and BSI to reach out to directly for additional clarifications ( see XXXX XXXX XXXX info below ) no longer having to wait in the hold queue.
A follow up phone call and email with the POC ( please see the email included as an attachment to this complaint. It contains a clear representation of the tax payment history for this property ) revealed the following : The XX/XX/XXXX payment was made by XXXX XXXX XXXX XXXX, not BSI.
Only 2 payments of {$2500.00} were needed to satisfy the tax bill, but 4 payments were sent by BSI for this amount.
For the tax period in question ( XX/XX/XXXX XX/XX/XXXX fiscal tax year ) BSI sent 4 payments of {$2500.00} to the tax office between XXXX and XX/XX/XXXX. Two of those payments ( highlighted in green rows ) were applied to satisfy the tax bill. The other two payments were not applied ( were not needed, since bill was satisfied with two payments ) Of the two unnecessary {$2500.00} payments, one was canceled by BSI ( BSI canceled the check ) The other remaining {$2500.00} payment was not cashed by the tax assessor it was photocopied for record keeping purposes and destroyed by the assessors office. No notification was sent from the tax office to BSI to make them aware of this destroyed, unnecessary check.
This is most likely the cause of confusion for BSI, since BSI was not made aware of the destroyed check by the tax office.
To bring this matter to a successful resolution, I ask BSI to : Speak directly with the tax office POC, XXXX XXXX XXXX, at the phone number below ( note that she is out of the office on Fridays ) to confirm that check # XXXX and # XXXX were not cashed. XXXX XXXX is also available by email XXXX XXXX XXXX Senior Treasurer-Tax Collector Specialist, Financial Division XXXX XXXX County Treasurer-Tax Collector 's Office XXXX XXXX XXXX XXXX. XXXX | XXXX XXXX, CA XXXX Phone : XXXX | Fax : XXXX | XXXX NOTE : DAY OFF-FRIDAY After BSI confirms with the tax office that the extra {$2500.00} payment was not needed, and never cashed, then BSI needs to reimburse me for the {$2500.00} associated with the erroneous check/payment that was debited from my impound account.
Sincerely, XXXX XXXX XXXX Below are property tax bills for the XXXX tax period in question as well as the years prior and subsequent to this period. All consistent with the information provided in the tax offices email ( attached to this complaint as a separate document ) showing that exactly two payments of {$2500.00} were needed NOT THREE!!
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| 03/07/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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TIMELINE OF EVENTS I filed a Chapter XXXX Bankruptcy case XXXX which resulted in an agreement filed on XXXX XX/XX/XXXX Docket XXXX. This reaffirmation agreement between debtor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX The Federal approved agreement for the balance of the loan on XXXX XXXX XXXX XXXX, Ohio XXXX to be reduced to {$25000.00} keeping in place the original term and rate but with a new payment of {$130.00} with a maturity date of XX/XX/XXXX. SEE EXHIBIT A On XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX filed a motion in XXXX XXXX XXXX XXXX XXXX case no XXXX listing under count one the amount of {$64000.00} the original sum of the mortgage. This original amount of the mortgage was subject to the defendant 's bankruptcy reaffirmation agreement and under the United states bankruptcy rules the action of collection was a violation by the creditor to even list this dollar amount on a document in the foreclosure suit.SEE EXHIBIT B On XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX listed the balance owed by XXXX XXXX XXXX in the amount of {$22000.00} under count one caption 6. SEE EXHIBIT C On XX/XX/XXXX in case XXXX Bank XXXX XXXX list under PRAYER FOR RELIEF caption A a judgement in the amount of {$22000.00}. The creditor never listed the Chapter XXXX reduction from {$64000.00} to {$25000.00} in the court case but again listed the original amount of the loan as {$64000.00}. SEE EXHIBIT C In XXXX XXXX XXXX XXXX notified BSI of the incorrect dollar amount of the loan though a OWR NOTICE OF ERROR filed with the CFPB BSI replied that they did not have permission to discuss my loan with a 3rd party.
In XXXX in a attempt to manipulate XXXX XXXX to accept a resolution for the banking error by XXXX XXXXXXXX XXXX pervious processing company BSI illegally reported a deed in lieu with the credit bureau and then issued a letter to XXXX XXXX XXXX after another CFBP complaint was filed stating that it was placed by mistake. SEE EXHIBIT D On XX/XX/XXXX BSI stated in a response letter in regards to my CFPB complaint that BSI had failed to even issue a 45 day delinquent letter to XXXX XXXX XXXX and stated that BSI did not issue a letter nor could BSI provided a letter from the previous loan service company because as stated in the CFPB complaint they had failed to issue a letter to me of the delinquent loan because of all of he violations in the processing of the loan could not be corrected. SEE EXHIBIT E CONCLUSION 1. BSI on XX/XX/XXXX agreed to accept from XXXX XXXX XXXX to pay {$25000.00} the reaffirmed balance of the loan to settle case XXXX XXXX and by paying off the loan in full as listed in the finale amended notice of dismissal signed by XXXX XXXX XXXX the attorney for BSI and XXXXXXXX XXXX XXXXXXXX XXXX XXXX SEE EXHIBIT F BSI NEEDS TO REMOVE FROM MY CREDIT REPORT THAT THE LOAN WAS SETTLED FOR A LESSER AMOUNT WHEN IT PLAINLY STATED IN THE FINALE COURT DOCUMENTS THAT THE LOAN WAS PAID IN FULL. THE BALANCE OF THE LOAN PER BSI WAS {$22000.00} AND I PAID {$25000.00} IF ANY THING I AM OWED THE DIFFERENCE IN THE AMOUNT.
FDCPA VIOLATIONS BSI HAS REPORTED THAT THE BALANCE OF THE LOAN WAS {$64000.00} ON MY CREDIT REPORT THIS IS NOT TRUE PER THE REPORTED BALANCE AMOUNT IN CASE XXXX. XXXX XXXX HAD SETTLED THE LOAN AND IT WAS PAID IN FULL.. BSI HAD FAILED TO BE TRANSPARENT WITH THE COURT ON THE HISTORY OF THE LOAN. THE LOAN HAD BEEN INCLUDED IN A CHAPTER XXXX REAFFIRMATION AGREEMENT IN A BANKRUPTCY CASE TAKING THE BALANCE OF THE LOAN TO {$25000.00}. BSI STATED THE BALANCE OF THE LOAN WAS {$22000.00} AT THE TIME OF THE FILING CASE XXXX. I PAID {$25000.00} TO SETTLE THE LOAN THAT EXCEEDED THE BALANCE OF THE LOAN AND WITH ALL OF THE CORRUPTION IN THE SERVICING OF MY LOAN I ONLY WANTED TO GET AWAY FROM BSI AND THE INVESTOR.
XXXX XXXX PAID THE REAFFIRMED AMOUNT IN FULL PER THE UNITED STATES BANKRUPTCY COURT AGREEMENT.
XXXX XXXX
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| 01/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage was set up & serviced by our original mortgage broker, XXXX, XXXX on XX/XX/XXXX for our first new home. Soon after it was transferred to be serviced by BSI Financial Services in XXXX, XXXX with headquarters in XXXX, TX. When we first met with our mortgage broker ( XXXX, XXXX. ) we set a monthly maximum payment that we could afford which was {$1500.00}. Upon receiving our very first payment notice from BSI it showed a payment due of {$1200.00} which is what we've been paying for almost 3 years. On XX/XX/XXXX we received a Notice & Calculation of our new monthly payment of {$2700.00} ( due XX/XX/XXXX ) MORE THAN DOUBLE our original payment which the notice said was due to an Escrow Shortage of {$12000.00}! After initially researching on our own as to how this could even be possible we contacted & met with our original mortgage broker who did a conference call with us and BSI Financial on XX/XX/XXXX XXXX. On that call we were told that for the entire time BSI took over our loan they were incorrectly taxing just our lot ( unimproved property ) and NOT including the house as our original mortgage banker had set up. We asked the BSI representative why we did not receive any type of correspondence until now as in looking back our escrow was already in arrears by {$6000.00}. a year ago. They failed to annually send a Truth-in-Lending disclosure as required by law. We asked the BSI representative, XXXX XXXX, why our loan was not correctly set up & serviced the way it was originally set up and her response was " I don't have an answer for that. '' We also asked her " and who's mistake is this? '' She replied " it's our mistake. '' We have never had a late payment and even pay extra monthly to allow for possible yearly property tax increases. For the past almost 3 years, we have received our monthly payment notice from BSI and paid it accordingly. At no time did we receive any notice of a different payment amount due until a few weeks ago. We live on a fixed income and there is no way that we can afford a more than double mortgage payment due to BSI 's mistake! This could have easily been avoided by BSI properly servicing our loan the way it was intended & initially set up which is how most mortgages are financed, the lot AND the house.
After researching online we found that this company has had thousands of complaints with the XXXX XXXX XXXX, so many that they stated they could only post 30 % of the complaints online. As you are probably aware we also found that CFPB settled with BSI Financial Services in a document dated XX/XX/XXXX for violating the Consumer Financial Protection Act of XXXX, the R/E Settlement Protection Act and/or the Truth in Lending Act by doing the exact same thing as in our case, specifically .....
*Handling mortgage servicing transfers with incomplete or inaccurate escrow information resulting in untimely escrow disbursements ; *Inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes & homeowners ' insurance premiums.
We are extremely upset and angry about this. While the BSI representative did not have an answer for why this happened & admitted it was their mistake the only thing they offered was for us to pay for their mistake by paying the {$12000.00} escrow shortage over 60 months which still raises our payment to {$1900.00} ~ {$700.00}. more that is not in our budget.
We are attaching copies of our original mortgage paperwork, closing disclosure, XXXX tax statements over the last few years. This is an inexcusable way to manage and service mortgage loans especially when it affects the livelihood of most peoples ' major purchase in life. We truly would appreciate the help of CFPB to help us with a beneficial resolution of this most important matter. Thank you in advance for your assistance.
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| 03/02/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We received a notice from XXXX Mortgage dated XX/XX/24 approving our loan modification request. Our loan was in an approved forbearance during the pandemic. The same day we received a letter from BSI that our loan was transferred and they are now our loan servicer. The next day we received a certified letter stating our loan was in default and we had 30 days to catch up or we would be foreclosed on.The loan terms and amount due was not even the same as what was on file with XXXX.
I notified BSI of the errors and concerns the same day the letters came by calling customer service. The person I spoke with said that they were still waiting on paperwork from XXXX and to disregard anything we receive. I continued calling seeking assistance as time went on because we never received updates, only letters reminding us we are in default. Our concern has grown that BSI has the documentation showing they have notified us but no one in return is acknowledging our pleading efforts to help us.
I was informed in XXXX that we have a loss mitigation rep assigned to us that we should work with, XXXX. I called XXXX constantly and sent many emails begging for help. I never received a call back and only received an ask for the XXXX paperwork dated XX/XX/24 and eventually an email telling us to re-fill out the loan mod paperwork. I replied asking why we were being asked to do this, expressed our concern and explanation. I got none.
We received a letter XXXX stating we have another new loan rep, XXXX. I called XXXX and left a voicemail with our concern and hope that someone can finally help us. She called me back and demanded payments for our loan back to XX/XX/XXXX. I expressed my concern and stated we will not be considered in default due to their issues. XXXX stated that she is our new loan rep because they have been overwhelmed with figuring these things out and they split up the work ( that cant be my problem ). XXXX asked me for the same paperwork I sent to our prior rep, XXXX, and said she'd discuss with underwriting but stated we must make our payments back to XXXX. She also advised to make a XXXX and XXXX payment.
As of today, XXXX we still do not have a resolution. I spoke to the VA since this is a VA backed loan and they informed me that BSI needs to be offering us a new loan modification and that someone should be discussing our options with us. To be clear, the XXXX paperwork dated XX/XX/24 was a letter approving our request stating we would get a letter in the mail to sign off on. We never got that letter nor signed anything.
We have sat for 5 months compounding $ XXXX in interest on a loan that has been non-existent to us. I tried making payments in the portal and our information is not recognized. XXXX told me to call and make a payment but we are not comfortable blindly calling our banking information to someone to process {$2500.00} considering the issues we have been through. XXXX also asked why I didnt call XXXX to make a payment and I tried- when I called it stated our loan was closed and we needed to work with BSI moving forward.
Another concern is that we were seeking to do a VA streamline refinance in XXXX and have been unable to because of these issues. We are now losing thousands of dollars because of being locked into a loan we have no access to.
In reading the CFPB regulations, BSI has been out of compliance in many ways. When I initially notified them that the terms they sent to us were incorrect, we did not get a timely response. That was 5 months ago and we are still sitting. They did not contact us within 36 days to discuss our loan modification options. 5 months later we STILL have not been given our modification options. I am sure there are more violations but I can not spend more time on my own pulling back these layers. We need help to resolve this
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| 02/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Last XXXX, an email was received from XXXX XXXX, insurance broker of XXXX XXXX XXXX XXXX XXXX, that 8 properties seem to have a discrepancy in terms of the escrow accont. The 8 properties originally indicated as impounded or that includes escrow to cover taxes and insurances, were not actually impounded according to the lender, BSI Financial Services. Thus, the insurances of the said properties were not paid.
Last XXXX, XXXX XXXX XXXX, CEO/Owner of XXXX XXXX XXXX XXXX, received a Delinquency Notice and Potential Judicial Foreclosure Proceeding Notice from the County of XXXX Department of Finance Tax and Licensing Division dated XXXX, due to tax bills due on XXXX for tax year XXXX for the following properties : XXXX XXXX XXXX - {$1800.00} XXXX XXXX - {$1900.00} XXXX XXXX XXXX - {$1500.00} XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX - {$1000.00} Initially, the mortgage agreement with the above properties as attachments, was with XXXX XXXX XXXX, with office address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. The mortgages were transferred to BSI Financial Services in XX/XX/XXXX.
XXXX XXXXXXXX XXXX has provided a copy of the Settlement Closing Statement for all loans which indicated that the amount of escrow collected at closing has been forwarded to BSI Financial Services upon effectivity of the transfer.
Loan # XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - {$1100.00} Loan # XXXX - XXXX XXXX XXXX XXXX CA XXXX - {$1400.00} Loan # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - {$1900.00} Loan # XXXX - XXXX XXXX XXXX XXXX CA XXXX - {$970.00} Loan # XXXX - XXXX XXXX XXXX XXXX CA XXXX - {$990.00} Loan # XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - {$900.00} Loan # XXXX - XXXX XXXX CT XXXX XXXX CA XXXX - {$420.00} Loan # XXXX - XXXX XXXX XXXX XXXX CA XXXX - {$1700.00} Total escrow funds forwarded to BSI Financial from XXXX XXXX XXXX : {$9400.00} In XXXX and XX/XX/XXXX, several communications via email and phone call were made by XXXX to ensure that the properties are still tagged as impounded so to cover insurances and tax bills.
Attached is the proof of packet for the communication log with contact persons, date and time, details of the call or email, and the outcome.
Currently, the said loans are transferred to a new mortgage company, XXXX XXXX, effective XXXX. BSI Financial Services have forwarded the information that those 8 properties are not impounded, contrary to the status upon transfer from XXXX XXXX XXXX last XX/XX/XXXX.
BSI Financial Services receiving the escrow funds from XXXX XXXX XXXX should have done an escrow analysis to calculate needed funds to cover the insurance and tax bills. However, they failed to do such, and billing sent to XXXX did not include the additional escrow amount after their analysis.
As of now, XXXX have not made their first monthly amortization to XXXXXXXX XXXX for this pending issue. BSI Financial Services should settle this first with XXXX XXXX.
XXXX : A conference call with BSI Financial Services representative : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX the issue of 8 properties not tagged as impounded by BSI Financial and identify what are the next action steps to resolve the issue. It was agreed that : After the call, BSI Financial will send a communication email to XXXX XXXX making them aware of the situation and to indicate that they have to setup the loans as XXXX so XXXX can start making payments to XXXX XXXX
By XXXX, BSI Financial Services must be done with their research and the issue should be fixed and settled.
BSI Financial did not provide us with the resolution as they promised on the XXXX of XXXX, XXXX. They did not even respond to our note sent on XXXX to check on the resolution.
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding XXXX XXXX and BSI for Unethical Practices and Mismanagement To Whom It May Concern, I am writing to file a formal complaint regarding the unethical practices and mismanagement experienced with XXXX XXXX and BSI in relation to our home purchase and subsequent mortgage management. This situation has not only caused significant financial and emotional distress but has also impacted our ability to secure housing for our family. I request your assistance in investigating this matter and seeking resolution for the issues we have faced.
In XXXX, my husband and I were excited to purchase our first home. We chose to work with a company called Welcome Heroes, who claimed to specialize in assisting XXXX families like ours. However, from the outset, our experience was marred by unfulfilled promises and poor service. The inspection issues that were supposed to be resolved were left unaddressed, and the {$10000.00} promised to us at closing never materialized.
Our troubles continued with the mortgage company XXXX XXXX. Communication was virtually non-existent, and they failed to grant me access to the account despite my husband 's XXXX and repeated requests. The lack of transparency and cooperation further exacerbated our frustrations.
In XXXX, when we decided to sell our home due to my husband 's XXXX orders, we encountered even more challenges. Contacting XXXX XXXXXXXX for a payoff amount, I was informed that our loan had been sold to BSI a year prior. Neither company informed us of this change, and I discovered it purely by chance. When I reached out to both companies, I was met with misinformation, lack of accountability, and a blatant disregard for customer service.
BSI 's mishandling of our account reached its peak when I inquired about the status of our loan and our credit reporting. I was informed that our home was in foreclosure since XX/XX/XXXX. Shockingly, BSI stated that they only send certified letters if foreclosure is imminent, and I was never sent any such notice. The inconsistency and lack of transparency in their communication is deeply troubling.
Furthermore, when I sought assurance that negative inquiries on our credit report would be removed upon loan payoff, I was met with vague promises that these inquiries would be removed. However, the recent sale of our home revealed the extent of their mismanagement, as it took two weeks for BSI to provide a final payoff amount to the escrow officXXXX.
This ordeal has had severe implications for our family. We are currently in Virginia, seeking housing options, but our applications are met with questions about this situation. Our dream of purchasing another home has been shattered due to the tarnished credit and reputation caused by the unethical behavior of XXXX XXXX and BSI.
I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into the practices of XXXX XXXX and BSI. The misinformation, mismanagement, and disregard for our rights as consumers have caused irreparable harm. I urge you to hold these companies accountable for their actions and provide assistance in rectifying the situation. I ask that this unfair, erroneous, incomplete and untimely reporting all fall under my rights to have accurate reporting per the FCRA. I have attempted to resolve this matter many times by disputing the derogatory incorrect information and I'm pleading that the CFPB protect XXXX consumers such as myself by rectifying the matter promptly.
Thank you for your attention to this matter. Your intervention is greatly appreciated and much needed as we strive to overcome the challenges caused by XXXX XXXXXXXX and BSI.
Sincerely, XXXX XXXX XXXX
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| 06/01/2022 |
Yes |
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- Trouble during payment process
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Web |
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Our escrow analysis was 1st completed in XX/XX/XXXX. We received a communication letting us know of over a {$6000.00} overage with the breakdown on future escrow money collection for our payment, but I noticed the tax amount was not correct. We had finished building our home in XXXX and taxes were now fully assessed with the XXXX ( home ) on the land and their analysis in XXXX had the land only taxes. I tried to call BSI over and over. I waited on hold for XXXX minutes and then the next day XXXX minutes and I even tried using their IVR feature to have the IVR hold my place and call me back and no call back happened. I carried my home phone around with me for days, as I attempted for a week to get them on the phone at BSI, but they never called me back. I finally wrote an email thru the Online BSI system and I got this generic response that my request was being processed, but nothing happened. So the next week, this at the beginning of XXXX, I tried to email them again thru their online system and finally got a call back from a nice lady.
The lady that called me explained they realized they had the wrong tax amount and were in the process of updating our escrow analysis. This made me happy since I wanted the correct amount paid to the county for taxes. I asked how long it would take for the new analysis and when the overage check would be sent to us. We live rural and have mailbox thieves and my locking mailbox is on back order, but we rarely have anything of importance mailed to us for this reason. The nice lady at BSI told me that once they are done with the new analysis that there would be NO HOLDs on the overage check since it is the 2nd analysis being done and to expect the overage check to be sent about a week after the XXXX analysis. THIS WAS A LIE! I watched our account on the BSI website and seen the new overage check transaction be processed on XX/XX/XXXX. We got our second escrow analysis document just a few days later and it is dated for XX/XX/XXXX. According to the nice lady that called me finally from BSI, that means our overage check of {$4300.00} was to be sent to us via mail within a week of the new analysis. THIS WAS THE LIE!!! Today is XX/XX/XXXX and we STILL HAVE NOT RECEIVED OUR ESCROW OVERAGE CHECK OF {$4300.00} that was clearly processed in their online system transactions on XX/XX/XXXX. Not only was the check not sent to us within a week of our 2nd escrow analysis, but it was not sent to us within the regulated 30 days either!!! On XX/XX/XXXX, I emailed BSI thru their online system again asking where our escrow overage check is and what the tracking info is and why haven't we gotten our overage check yet. {$4300.00} is A LOT OF MONEY. We live rural and I need the tracking number for the check. I got a generic response that my request was being processed. I went back to that email to get in and take a picture of their response but its a timed request and it would not let me back in to open it. I then submitted another email thru the BSI online system on XX/XX/XXXX ( I think ) and have NOT heard ANYTHING! I tried calling BSI but I just get put on a hold in their IVR for XXXX minutes and no one picks up and no one calls back. Today is XX/XX/XXXX and BSI owes us {$4300.00} for escrow overage per our 2nd escrow analysis and I have confirmed the county received the correct amount from BSI for our taxes so why don't we have our {$4300.00} check in our hands? Why can't I get them to respond? I am concerned about mail thieves which is why this all started but at this point I am beyond mad and no one at BSI will call me, or email me or respond to me about the check they were supposed to have sent us at the beginning of XXXX per the lady that called me from BSI back in XXXX! What kind of XXXX is that? Please please help!
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| 05/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Dear All, This is my second complaints. After my first complain, the BSI Financial Services sent me an email stating that they will resolve the issue ( which has been a Partial Release ). However, there has not been a " partial release '' and absolutely no concrete reply " either way '' nor a resolution of the matter.
Dear All, It is more than a year that I have been asking for a partial release from BSI, have tried reaching to supervisors and even the president but have received no reply. Our mortgage with BSI is against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; our Home Mortgage number is XXXX. However, perhaps in an error, the adjacent land lot, next to this property ( which also belongs to us ), with an XXXX number of XXXX XXXX, is also included in the load documents including a lean of the bank. I have requested a partial release of XXXX XXXX. I made this request frequently since XXXX of XXXX ( below the start date ). However, there has been only XXXX replies from BSI, only after my first complaint to cfpb.
We now have a new construction on the lot of XXXX XXXX XXXX, and to apply for a mortgage, which is blocked by a lean on the land, we need to release the lot land from the mortgage related to the adjacent home BSI mortgage.
I have again frequently requested by phones and emails that BSI conducts this partial release. This XXXX XXXX XXXX is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage and we request to be released ( as a partial release ).
Example of email communication dates, after XX/XX/XXXX, when the BSI was informed of our complaint : Sent via CFPB portal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Account Number : XXXX Property address : XXXX XXXX XXXX, XXXX, CA XXXX CFPB Case Number : XXXX Dear XXXX XXXX XXXX XXXX received your inquiry through the CFPB portal on XX/XX/XXXX, regarding the above-referenced loan, which was forwarded to my attention for review and response.
After reviewing your inquiry and conducting an investigation, we have reached out to your mortgage loan originator, XXXX XXXX XXXX XXXX XXXX XXXX, to prepare the partial release for our signature. We will follow up with XXXX to ensure the release is signed and recorded as soon as possible.
If you require further assistance, please address your letter to : BSI Financial Services Attn : Qualified Written Requests XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Should you have any questions regarding this matter, please contact BSI Financial Services at XXXX.
XXXX XXXX XXXX You ; XXXX XXXX XXXX morning, I sent a follow-up email yesterday to inquire about the status. Just as soon as I hear back from our liaison, I will provide you with that update.
Thank you, " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX PXXXX To : XXXX XXXX Subject : Home Mortgage number XXXX -issue of the adjacent land XXXX Humboldt/ XXXX ISSUED '' " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Fw : Attention- XXXX XXXX Per XXXX XXXX XXXX Mortgage number XXXX -issue of the adjacent land XXXX XXXX XXXX ISSUED '' " XXXX XXXX XXXX Dear All, I would like to request a partial release of XXXX XXXX XXXX. Our mortgage number is Home Mortgage number XXXX. This is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage. After several calls, one of BSI customer service agents indicated that I need to fill a form and that I will receive this form. I never received it, I searched online and found the attached form, which I filled to the best of my knowledge. I have also attached a survey and a few other related documents that clearly show the adjacent land is not part of XXXX XXXX, and may be removed / released. "
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| 06/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have owned my home in XXXX, NY for 15 years. I ran a successful wholesale jewelry business for over 20 years, but due to Covid 19 my business was devastated and I struggled financially. I fell behind on the mortgage payments with BSI Financial due to the impact of Covid on my business. I contacted them on multiple occasions to try and get them to consider me for a forbearance, the government CARES program or some type of lender relief or modification. BSI Financial refused to work with me or offer any type of review for any programs. I told them that my income had decreased 85 % and asked the representative if they could offer any programs to help me get through the pandemic. The agent XXXX XXXX said she checked with her boss and he told her that they did not want to help me or offer me anything and that they were going to foreclose on my house. I continued to try and talk to them and work something out, but it never went anywhere. Eventually they would just hang up on me when I would call. They were very rude and did not want to help me at all! I now have a foreclosure sale date set for XX/XX/XXXX. BSI Financial has obstructed the process and denied me access to any and all internal or government programs and has not even CONSIDERED options to help me. I believe they are required by New York law to at least offer a review of my financial situation to see what options I may qualify for. This is not my fault, I was a great customer who paid on time for 11 years until Covid devastated my business.
I worked as a wholesale jewelry supplier for over 20 years. I had a large customer base and many large stores on XXXX XXXX were my clients. I made a nice living and began investing in real estate as well. Because I had solid financial cash flow and strong credit I was able to qualify for the mortgage loan to purchase my home in XXXX with a XXXX XXXX dollar adjustable first mortgage. I never missed a payment and had excellent credit. The industry had a slight downturn in XXXX but my business was still doing OK, then when Covid hit it all fell apart. The stores in the city were shut down, so they did not order from me for several months. My income plummeted. When the stores were allowed to re-open things looked like they were going to improve, but then there were several smash and grab robberies and excessive crime in the jewelry district on XXXX XXXX. Many shop owners were reluctant to stay open and the anticipated increase in revenue never came to fruition. During this time I was unable to stay current on the mortgage because my income had dropped over 85 %. I attempted to resolve the problem by explaining to the loss mitigation department at BSI Financial my situation. However, this never went anywhere. I was never offered a forbearance or a deferment or access to the government backed CARES program or even reviewed for retention options. Instead of working with me, the supervisor told the representative XXXX XXXX XXXX that they were not going to consider me for any options, that they were just going to foreclose. Further attempts to resolve this were met with BSI hanging up on me.
This is wrong and your agency should investigate the business practices at BSI Financial. I deserve a chance. There has been a change in my financial circumstances. I put my business into bankruptcy protection, and I now have a couple different income sources and have the ability to make a reduced payment towards the mortgage but need the opportunity to be reviewed, it is the least they can do and they are required to do so by the state of New York. If the numbers do not work, I want the opportunity to list and sell the home so that I can recoup some of the equity after making on time payments for 11 years.
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| 08/03/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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This is the fifth issue in billing that I have had with BSI Financial since they purchased my mortgage from another company. I will start with the fact that their billing issues are constant. They have double charged me for property taxes on two occasions, and on two other occasions misapplied my homeowners insurance. I am dealing with the second misapplication now as well as this issue that I am writing to complain about now.
On XX/XX/23, I sent my mortgage payment of {$2400.00} to BSI via my banks Pay Bill system. With the upcoming holiday, the payment date was going to be delayed until XX/XX/23. On XX/XX/23 I noted that BSI had yet to cash the check I mailed them, and I phoned them. They, of course, claimed they never received the check. I surmised that they had in fact received it and either were delayed in cashing it or they had lost it. The representative argued with me stating that they " never '' lose checks.
As a result of the check being in question, on XX/XX/23, that same day I phoned my bank and placed a stop payment on the check. I then phoned BSI back and performed a check by phone. I performed the check by phone for a different amount than the original check so that I would know at a glance that that check was cashed and so that I would be able to immediately recognize if they attempted to cash the original check simply by seeing the dollar amounts. I did this because my bank explained to me, when I phoned them to stop payment on the original check, that it could take 24 hours for the stop payment to kick in and I did not want to have BSI attempt to cash it after receiving the current moths payment. I also asked the BSI representative to note my account, that if the original check was located in the next 24 hours, that they would not attempt to cash it. I was assured that BSI would not attempt to cash the check.
On XX/XX/23 I checked my bank account and noted that BSI had on, XXXX and XX/XX/23 attempted to cash the check they said they never received. I phoned BSI because I noted on the account that they were now charging me with an NSF fee. Upon phoning them I spoke to " XXXX '', who was XXXX and rude. He explained to me that he saw the notations on my account from XX/XX/23 and that I made the mortgage payment ( actually a payment well over the payment due ), but that he would not have the NSF fees waived unless I could prove that I mailed the original payment in XXXX.
Frustrated with his response, I reminded " XXXX '' that we were in a legal and binding contract, and that contract allows both parties to have expectations. If they were expecting me to produce evidence of payment, than I was expecting them to provide evidence that it took almost a month for them to receive my payment. He stated that he refused to do that.
I have requested evidence of the original payment from my bank so that I have documentation directly from them to supply BSI with. I also have the payment detail from my own account that demonstrates when I made the payment as well as the expected date of payment/delivery. I am attaching that documentation while I await the official letter from my bank ( XXXX ).
BSI has a lengthy track record of payment mishaps. One only need look at the BBB website and view the over 300 complaints filed against this company. Their business practices are disgusting an predatorial. I have grown weary of having to constantly deal with their " mishaps '' and improper and even illegal business practices. It would see to me, based on the shear amount of complaints against BSI, that they are blaming the customer for their inability to properly handle their own finances in order to charge the customer/consumer with additional fees and fines.
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| 11/24/2023 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
Servicemember |
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I became delinquent before the pandemic. I was in the process of requesting a modification when the loan was put in forbearance due to the pandemic. In late XXXX I contacted the servicer at that time to request the modification as the forbearance was coming to an end. I submitted 3 modification packages before being told the loan had been sold to the current servicer, BSI Financial. XXXX XXXX I submitted a loan modification package to BSI. XX/XX/XXXX something called a partial claim was approved. At no time did I receive any documentation that my loan was not delinquent anymore. XX/XX/XXXX I applied for the Florida HAF. It was approved in XX/XX/XXXX and HAF said they mailed the check to BSI. I received additional notice that I was approved for 4 additional mortgage payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX .However in XX/XX/XXXX, XXXX began to say I could not get the HAF funds due to the partial claim. I spoke to the VA and was told the funds could be used. I spoke to HAF and they stated the funds could be used and they told BSI the same. In XX/XX/XXXX, BSI loss mitigation supervisor agreed to use the HAF funds to pay off the partial claim ( at this time I found out the partial claim was actually a second lien ) .and use the remaining funds for the principle. They never did. XX/XX/XXXX, I received a call from BSI and was told they sent the first check back to HAF. They could not tell me what happened to the rest of the checks. I asked for an accounting and was sent something that had their coeds on them not the dates, amounts and who made the payments that I asked for. The VA is also aware of everything that has happened and did not understand why BSI sent the funds back to HAF. Until XX/XX/XXXX. BSI has asked me repeatedly to have HAF resend the funds they returned. XX/XX/XXXX after escalating, HAF told me they were not going to resend the funds to BSI and asked me why they send the money back. I made BSI aware of this and they then told me there was nothing they could do to help me. At that time, I was making the payments. BSI kept saying I was behind, After calling and leaving multiple messages I was finally able to speak to someone who helped me understand why my loan was still considered in default. Even though I was sending in monthly payments they were being applied to past due payments. I was never caught up as I thought and they still have not told me what appended to the 4 payments they received from HAF. XX/XX/XXXX I received a call from BSI advising me to apply for a loan modification, I was also told that the loan had been referred for foreclosure. When I told the person that BSI had previously stated there was nothing they could do and I could not get another modification due to receiving a partial claim, the person told me I could apply. I sent in the package on XX/XX/XXXX. I have had to call multiple times to get a status, I am only being told it is under review and that everything is on hold. However they have been reporting me as delinquent to the credit bureaus.. I let the VA know and there is nothing they can do. My experience with this servicer has been horrible, They do not return calls or messages, nor do they keep you abreast of all that is going on with mortgage. As of today, I still do not know what is happening with the loan modification. I do not want to become homeless and lose everything. However, being reported as delinquent has prevented me from refinancing or even purchasing another home. This servicer does not reply in a timely manner, they do not post payments in a timely manner and they are very vague regarding the status of the mortgage loan.
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| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX I recorded/closed on refinancing from BSI Loan Servicing to new mortgage company on XXXX. BSI Loan Servicing discovered after the escrow closed on the refinance that there was a shortage of {$7100.00} due to a return check from payment in XXXX. I have been tirelessly working to resolve this issue with BSI as BSI reports that the payoff is between {$20000.00} and {$39000.00} over the past 16 months.
XXXX I received a recording deed of trust that my primary residence was being in the process of being foreclosed on. This is abusive acts and unfair in violation of XXXX as i have made my payments and continue to make on time monthly mortgage payment on my primary residence to my current mortgage company.
XXXX i sent the attached letter to BSI XXXX XXXX XXXX explaining that i wanted my intent to resolve this situation and explain the course of events as i been receiving constant wrong payoff amounts from BSI in the amount of XXXX XXXX to XXXX XXXXXXXX dollars. Meanwhile I have been making on-time payments to my current mortgage company/XXXX XXXX XXXX since XX/XX/XXXX XXXX
XXXX I received a response from BSI Complaints Dept that the information is accurate as reported by BSI and that the reason why the payoff has increased is that : a ) BSI has decided to reinstate my mortgage loan and bring current by making payment for XXXX thru XX/XX/XXXX. This is deceptive and abusive business practices per XXXX.
b ) BSI paid my property taxes and Home owners insurance in XX/XX/XXXX and XXXX XXXX and that my current mortgage company refunded monies to me for impound monies collected. Per evidence attached from my current lender/XXXX XXXX has paid these fees to the respective recipients. BSI Loan Servicing is engaging in XXXXUnfair, Deceptive, and abusive acts or practice by not taking concerns seriously and doing a thorough reconciliation of my account to provide a true and accurate payoff amount. I would have paid this loan off long ago if i would have received accurate figures. BSI has no right to reinstate my loan and apply payments to monthly mortgage amounts of XXXX thru XX/XX/XXXX, taxes {$5000.00} and Home insurance {$2600.00} in XX/XX/XXXX ( 10 months after refinance ), and property taxes in XXXX XXXX ( 14 months after refinance ) when these fees were already collected and paid by my current mortgage company XXXX XXXX. WHY IS BSI CHOOSING TO MAKE PAYMENTS FOR PROPERTY TAXES AND HOME INSURANCE WHICH ALREADY HAVE BEEN PAID BY XXXX XXXX COMPANY, MY CURRENT LENDER PER THE ATTACHMENTS PROVIDED HERE.
d ) the response letter says that my payment of {$8900.00} was posted XX/XX/XXXX for XX/XX/XXXX payment. This is wrong and DECEPTIVE that payments are reportedly being posted 12 months later.
Attached please find copies of correspondence mentioned above and the erroneous payoff amounts.
This is my primary residence and wish to resolve paying off the correct shortage. The inaccurate response to my concerns in my correspondence dated XXXX is what i was attempting to avoid as i continue to receive inaccurate payoff information and BSI is being deceptive and abusive in their shoddy reconciliation and subjective decision to apply unapplied funds to a loan that should have never been reinstated as i was already making on time payments to my current primary mortgage lender. BSI does not have an interest in my property and is abusing their power to initiate foreclosure proceedings on my primary residence that i am making on-time payments to my current lender for the past 16 months.
Your attention to please investigate and provide a timely resolution for this discrepancy is greatly appreciated.
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| 01/08/2022 |
Yes |
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- Trouble during payment process
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Web |
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In late XX/XX/XXXX, I received a notice from my county tax collector. My lender, BSI Financial Services had recently lowered my mortgage amount based on the property tax bill for XXXX, which was significantly lower than what my actual bill would be for XXXX. I have a new build, so I'm assuming I paid taxes on the lot, only. I was concerned that I wouldn't have enough in escrow to cover property taxes, so I asked for a re-evaluation of my escrow. I was told it would take no more than 30 days.
The 30-day mark had passed when I contacted BSI for a status update on my re-evaluation. I was told that an email would be sent to the " Research Team '' and marked urgent and someone from that team would be contacting me via email with an update within 3-5 days. No one responded to me. Taxes were due XXXX and had not been paid, but weren't yet late. I called again to ask for an update and clarification regarding the re-eval and again, was told that another email would be sent and marked urgent, to the Research Team. The rep also offered to have someone contact me within 48 hours. No one called or emailed. I called several times and sent over tax documents to their customer care address. No one ever replied with confirmation that they were received.
The only way I could somewhat confirm any activity in escrow was through the customer portal, online. That same portal offers an " Email Now '' option which I used to try to get someone to reach out to me regarding my concerns. In it, I explained that I'd reached out several times asking for updates and clarification about my accounts and instead, received the runaround. The response I received on XX/XX/XXXX was, " We are currently processing your request. '' In XXXX, I received an escrow refund check for {$5300.00}, from BSI. After waiting a few days, I cashed it and paid bills once funds were available. The following Monday, my bank notified me that my account was overdrawn by {$3300.00}. BSI had stopped payment on that check resulting in wiping out what I had saved.
There was no documentation included with that check that indicated it should not be cashed. It was issued on XX/XX/XXXX, well after my escrow re-eval would've been completed. No one called me to discuss the conclusion of the re-evaluation or to tell me it was completed. No one contacted me regarding my options regarding a refund.
Like most people with thousands of dollars in insufficient funds, I had to resort to desperate measures to cover pending transactions, which put me in more debt. Again, using the portal on XX/XX/XXXX, I expressed my frustration and disappointment with BSI, letting them know the financial distress they've put me in. I haven't received a response to that message. However, strangely, I did receive an email with an Annual Escrow Account Disclosure Statement attached with a message that read, " Pursuant to your request, please see the attached document. Please note, this is not a monitored email account. If you have any questions regarding this email, please reach out to customer care. '' I never asked for a document. Interestingly enough, my original email was not included in this reply. I don't have any way of retrieving my own outgoing copy. The email to customer care is one I've used before as mentioned earlier but never received a response.
I have been asking this company for months to clarify the nature of my account to avoid this very issue. Its not fair that I am left in a huge financial bind, yet they have the right to seek my mortgage payment that is due this month. They should not be able to make mistakes like this at the customer 's expense.
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| 09/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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I am writing to dispute the interest rate ( until maturity ) of 5.75 % with BSI Financial Services. On XX/XX/XXXX, I was approved for a VA Loan Modification with XXXX XXXXXXXX. On XX/XX/XXXX I spoke to XXXX with XXXX XXXX @ XXXX she was able to verify that a loan modification was executed on XX/XX/XXXX. BSI why are you all not honoring this legal document loan modification from BSI? I honored each step of the VA Loan Modification. I successfully paid each Trial Period Payment. On XX/XX/XXXX, I signed a Loan Modification Agreement between XXXX XXXX XXXX ( lender ) and myself. In the agreement, it states as of XX/XX/XXXX, the borrower ( XXXX XXXX ) agrees to pay {$260000.00}, the interest will be 3.625 % beginning XXXX of XXXX. This is to remain in effect until XX/XX/XXXX of XXXX. ( Please see enclosed documents ). On XX/XX/XXXX, XXXX XXXX sent a letter of Notice of Mortgage Serving Transfer ( attached documents enclosed ). Then a second letter from BSI Financial on XX/XX/XXXX of XXXX.
I understand under Federal Law that the contractual agreement between XXXX XXXXXXXX XXXX and myself is supposed to be honored by BSI Financial. Please explain as to why my interest rate continues to be 5.75 % instead of 3.625 %. I understand? under RESPA, Fair Credit Reporting Act, and the Consum, er Financial Protection BureaXXXX, that failing to convert a trial modification into a permanent modification and failing to honor a modification agreement after a servicing transfer is a violation of the law. Please exthe plain why BSI has failed to honor the contractual loan modification established between XXXX XXXXXXXX. Under federal law, if a complete loss mitigation application is pending at the time of a servicing transfer but hasn't been evaluated, the new servicer has to review the application within 30 days of the transfer date. BSI did not review my loan modification in 30 days or less. According to the Federal law, BSI is supposed to review the modification under the guidelines of XXXX XXXX not BSI, please explain why BSI failed to honor this guideline according to the Federal Laws in place. e? I received my first notice about loss mitigation dated XX/XX/XXXX of XXXX, from XXXX XXXX. Please explain the exceeds the 30 days according to the Federal law, please explain. Also, a servicing transfer shouldn't affect a borrower 's ability to accept or reject a loss mitigation option offered by the prior servicer. If a new service comes into the picture and the time frame for accepting or rejecting a loss mitigation option offered by the old servicer hasn't expired as of the transfer date, the new servicer must allow the borrower to accept or reject the offer during the unexpired balance of the applicable time. Please see the enclosed document, why is my loan modification contract not been honored by BSI Financial according to the federal law ( s )? Please refer to CFPB 1026.39 Mortgage transfer disclosures.
BSI Financial why are you not honoring the agreement established between XXXX XXXX and me ( XXXX XXXX )?
BSI Financial do you agree I had that loan modification with XXXX XXXX
BSI Financial please explain every reason why will not honor the contractual agreement between XXXX XXXX and me. ( Interest rate, and payment amount ) According to the document dated XX/XX/XXXX ( see attached ) you stated you were aware of my loan modication with XXXX XXXX however you all did not honor nor follow up with the terms of the loan modification.
XXXX XXXX is my single point of contact, I have called her 2-3 weeks in a row and she has not returned any of my calls.
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| 01/07/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I have been trying to get my Florida Homestead Exemption recognized and my payment adjusted by BSI Financial Services for several months with absolutely no success. My first contact with BSI Financial Services regarding being certain everything was in place regarding my Homestead Exemption was in XXXX of last year. I called BSI Financial Services to be certain BSI Financial Services had received my properly executed Florida Homestead Exemption paperwork ( that I had previously mailed a few weeks earlier ). A representative from BSI Financial Services said that they had not received this from me so I verified BSI Financial Services Mailing address ( which was totally correct ), so I re-mailed everything again. I then called BSI Financial Services again on XX/XX/XXXX and was told that they still did not have my Florida Homestead Exemption Paperwork in their files so I mailed it yet again. Then on XX/XX/XXXX I called BSI Financial Services regarding my Homestead Exemption and spoke to XXXX XXXX. She told me that she would call me back within a couple of days once she had researched this, but she never called as promised, so on XX/XX/XXXX I called XXXX but was told by the Representative that answered the phone that XXXX was not available but would call me back that day, but she did not. l called back again on XX/XX/XXXX and spoke to XXXX and she acknowledged that they have received my Homestead Exemption paperwork but they were waiting for the tax bill from the tax office ( even though I had mailed a copy of this document to BSI twice previously ). l spoke again to BSI on XX/XX/XXXX and was told that BSI needed a tax bill mailed directly from Florida Homestead Exemption Office to BSI Financial Services. I called and confirmed that on XX/XX/XXXX the Florida Homestead Exempt Office mailed to BSI the tax bill ( that I twice previously had supplied BSI ). Then on XX/XX/XXXX I also sent a copy from Property Appraiser 's Office along with the loan number. Then during XXXX and XXXX I authorized various Representatives and Supervisors with BSI Financial Services to speak with my husband XXXX XXXX regarding this issue. My husband ( in my presence ) during XXXX and XXXX spoke to Representative XXXX, XXXX, XXXX and Supervisors XXXX XXXX and XXXX and everyone of these people promised to call us back with an explanation of what is going on at BSI Financial Services regarding my payment reduction for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX, but not one single person has called me nor my husband back as promised nor has anyone from your Tax Office called me regarding my payment reduction from my Florida Homestead Exemption. I have never in my lifetime experienced such frustration, inefficiency and pathetic Customer Service as what I have experienced over the last several months at BSI Financial Services. After having exhausted all efforts and after tremendous frustration, having wasted many hours of my time, I am today XX/XX/XXXX filing ( on line ) a written Formal Complaint with the Consumer Financial Protection Bureau ( CFPB ) detailing my experience with BSI Financial Services. I will be following up with CFPB regarding my Formal Complaint with a phone call today XX/XX/XXXX.
I have also have sent a letter that is to be delivered today to XXXX XXXX - CEO of BSI Financial Services outlining in very specific detail my experience ( as outlined above ) with BSI Financial Services and it's Representatives.
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| 03/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is against BSI Financial Services, a home loan servicer my home loan was recently transferred to from my loan originator, XXXX XXXX. We are not submitting a complaint against XXXX XXXX, only against BSI Financial Services. The summary point ( further explained below ) is that BSI Financial Services served me with a letter of default on my home in the amount of {$6300.00}, either in error or maliciously, after blatantly disregarding the information surrounding my home loan. Furthermore, in the act of boarding my loan into their system, they not only delayed my ability to pay but displayed false information ( potentially violating consumer privacy laws ).
In chronological order : We ( my wife and I ) refinanced our home through XXXX XXXX in XXXX of XXXX. Things were generally very smooth. We knew they were an originator, not a long term servicer, and we expected to be transferred. We paid our bills to XXXX during that time ( as shown from the screenshot from our bank with XXXX ) and our account was in the clear.
In XXXX, we received notice from XXXX ( not BSI ) that our loan would be transferred starting XX/XX/XXXX. However, we were unable to login to BSI 's system, as they did not provide us with information to login to our account. It took over a week from XX/XX/XXXX - the first time we saw an error page logging in - to XXXX, after our official start date, when we finally were able to login. Within that time, we paid our XXXX payment to XXXX, as is allowed to us by the 60-day RESPA grace period.
Upon logging in on XXXX, we noticed several errors : 1 ) We were already behind by two months on payments and had been assessed a late fee. 2 ) The name on the loan was of another person, a Ms. [ REDACTED ] : it is unclear if this was simply a 'test name ' used by software developers or the name of another legitimate home owner, thus potentially exposing her information to us inappropriately ( and raising the question about how our own information was displayed ).
We worked with XXXX and made several calls to BSI, confirming with XXXX that our balance was paid, that they had transferred everything to BSI, and that from XXXX 's perspective, we were doing everything correctly. BSI continued to state that they had not received information from XXXX and to wait until they could confirm our information with XXXX
On the morning of XX/XX/XXXX, we received the attached default letter, stating ( falsely ) that we were 30 days behind on our payments, despite clear and incontrovertible evidence to the contrary. We called to confirm this with BSI and they said that yes, our account was in default. We called back to XXXX ( with a Mr. [ REDACTED ], who was very helpful ) who confirmed for us that we had made every payment on time, that the XXXX team had squared all of that away with BSI, and that they had even closed our case as BSI had confirmed that we were in the clear, while simultaneously serving us with a notice of default.
Therefore, either through negligence or a malicious act, BSI Financial Services sent us a notice of default disregarding our payments to XXXX the communications with XXXX, and after only having allowed us into the system for ~10 days, and well within 1 month of our loan being boarded. As well, they falsely included the XXXX payment, which they have no entitlement to given that our loan was transferred on XX/XX/XXXX, as grounds for our 'default ' status.
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| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We are currently in the process of refinancing and had reached the point where we were to provide the payoff balance for our current mortgage. On XX/XX/2022, my wife reached out to BSI Financial to request our payoff, and the online form quoted 3-5 days to receive it. We were scheduled for closing the new loan on XX/XX/2022, which should have been more than enough time to process our request. After we had not received it in the timeframe noted, we also reached out via the email contact form on the website.
By Thursday, XX/XX/2022, we had still not received the payoff, nor gotten a response from our contact form submission. At that point we tried calling directly for assistance. We sat on hold for much longer than the 15 minutes quoted and then requested a call back when we could no longer stay on hold. When the call back came through there was no one on the line to speak with.
That Thursday evening, we sent an email to their customer care email address and copied several executives that we were able to find contact information for. We explained the situation to-date and that we needed the payoff by noon the following day.
The next morning, we received a message through their secure portal, which we assumed was the payoff we had requested. Instead, we received a form email that stated, " Hello, we are currently processing your request. '' By midday on XX/XX/XXXX, we still had not received the requested information. We spoke with our new lender, who was nice enough to extend our rate lock through Monday, XX/XX/XXXX.
On Monday at noon, we still had no response from BSI. I sent a follow up message through the secure portal asking about the status of the request. Due to the lack of response, we again spoke with our new lender to extend our rate lock further, which was agreed to now be XX/XX/XXXX.
At noon the next day, XX/XX/XXXX, we had no response from BSI, so I sent another message through their portal demanding that we receive a response and resolution by the end of the day. On Wednesday, XX/XX/XXXX we still had no response, so I tried calling their main phone number for assistance. I ended up waiting on hold for XXXX minutes and finally had to leave a voicemail, which they stated would be checked and the call returned within 1-2 business days. The message alerted them of the situation and that they would be reported to the CFPB if they failed to respond, which they never did.
By Friday, XX/XX/XXXX we had still heard nothing from BSI. My last attempt to contact them was another email to their customer contact address, along with any other executives I could find email addresses for that hadn't been previously included. The email included an excerpt of 12 CFR Part 1026, Part 3 Payoff Statements, reminding them of their responsibilities. They were also told that if we did not receive a response by close of business that day, that they would be reported to the CFPB. We also had to reach out to our new lender for a third time requesting, and being granted, another week extension to try and resolved this situation.
It is now XXXX on Sunday, XX/XX/2022, and we have yet to receive any communications from BSI Financial. My wife and I are out of options and hoping this complaint will result in some action.
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| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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1. Mortgage Transferred from Owning to BSI Financial Services XX/XX/XXXX 2. XXXX received letter from Owning informing of the transfer of mortgage to BSI Financial Services on XX/XX/XXXX that mortgage has been transferred.
3. Nothing sent from BSI by end of XXXX so XXXX calls BSI Financial services to ask how to pay for XXXX.
4. BSI tells XXXX that the loan has not transferred to their system and wait to pay. XXXX says nothing will be done for 60 days as far as reporting late payments to credit bureaus while the loan is being transferred.
5. On the call setting up Auto pay is discussed and XXXX sends in Forms and void check to setup weekly withdrawls in Early XXXX.
6. XXXX gets payment form in mail From BSI with detail on where to send payment.
7. XXXX Sends Check for {$3500.00} on XX/XX/XXXX.
8. XX/XX/XXXX XXXX Applies for a HELOC loan via XXXX. Current credit score is XXXX. HELOC Loan is approve for {$300000.00} 9. XX/XX/XXXX XXXX gets mortgage statement from BSI website stating account is past due {$5800.00} past due with two missed payments and a total amount due XX/XX/XXXX for {$8700.00} 10. XXXX Pays via XXXX the {$5800.00} to clear the past due balance.
11. XXXX calls to discuss the matter with BSI financial and matter is escalated to manager to call XXXX back. No call back.
12. XXXX gets an Alert from XXXX XXXX that Credit score has been lowered to XXXX with a delinquent payment of Delinquent BSI FINANCIAL SERVICES It looks like you have an account with a past-due balance of {$730000.00} with BSI FINANCIAL SERVICES.
13. XXXX can not fund the loan due to the credit score and missed payment.
14. XXXX has to back out of offer on a 2nd home as a result.
15. XX/XX/XXXX XXXX receives a call to collect {$5800.00} from BSI financial 16. XXXX states the payment of {$5800.00} was made yesterday and the check from XX/XX/XXXX for {$3500.00} has not been cashed and confirms that the Auto Pay has not been setup yet.
17. XXXX call BSI to escalate the credit matter and is passed to manager XXXX XXXX. XXXX ext. XXXX.
18. XXXX says she will escalate the matter to their credit department.
19. NO CALLBACK FROM CREDIT DEPARTMENT AS OF XX/XX/1920. XXXX Calls XXXX XXXX to and leaves vmail.
21. XXXX calls XXXX XXXX. XXXX. XXXX to call me back. No Call Back 22. XX/XX/XXXX XXXX speaks with XXXX XXXX XXXX. Advises to go to credit reporting agencies to resolve directly.
24. XXXX and XXXX says current. XXXX says payment is past due.
25. Dispute filed with XXXX.
26. Letter from BSI needed to get XXXX to correct credit score.
26. XXXX Called BSI XXXX XXXX. Left message 27. Called main number and was told BSI sent a letter to recall the late payment status from Credit Bureaus. Was told a copy of the email was being sent to me in next few minutes.
2
8. No Letter sent.
29. Called XXXX to check if they have received correction letter from BSI. XXXX confirms no letter has been sent. Advised I call BSI and be in the call when they call XXXX 30. Called BSI back. BSI refuses to let me talk their credit department and and get on a call with XXXX.
31. XXXX has to recind offer on home. Currently looking for other opportunities in a very hot market that prices are increasing weekly.
32. Dispute filed here,
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| 10/11/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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For starters, My loan was sold to BSI Financial Services back in XXXX of XXXXAt that time, I was behind three months in my mortgage payments.I was not informed about my mortgage being sold to BSI Financial Services until XXXX of XXXX.In XXXX of XXXX, I received a mortgage statement from BSI Financial Services stating that i owed {$4000.00} in back mortgage payments.So as of XXXX of XXXX, I had reached out to BSI Financial to get assistance in getting a loan modification ( Forbearance ) .Customer service was absolutely awful!! Trying to get in contact with my assigned Loss Mitigation Officer was atrocious!! It was very difficult, challenging and very frustrating!!! I had left several messages for her to get back in touch with me to get this process started, which i never received a return phone call.I 've also tried to contact her supervisor and left messages with her as well.Which resulted in the same outcome.After trying consistently for nearly the whole month of XXXX, I finally got in contact with her and the forbearance process took place.My forbearance did not expire until XXXX of XXXX, which at that whole time i was still making my mortgage payments on time.On XXXX of XXXX, I had once again called my loss mitigation officer to set up a partial claim, so i could get back into the current status of my loan and once again it took me nearly the entire month of XXXX to get in touch with here.Finally after calling and her not answering her phone, leaving messages, calling customer service, being on hold for 20 minutes, not being able to talk to a supervisor or anyone in management and not returning my phone calls, I got in touch with her.On XXXX XXXX, was the start of my deferment ( Partial Claim ) process, which i was told that it would take 30-60 days for the completion approval of this process.It actually took way over the time frame that they BSI stated!!! The deferment process started on XXXX XXXX and completed on XXXX XXXX, a total of 81 days to complete!! ! During the course of this process, I did not receive any type of communication from the company or my loss mitigation officer.Not a phone call, a letter, nor an email.Absolutely ridiculous! I was also told that after the approval of the deferment, that it will take 30-60 days for the company to update my account, which it still hasn't been done yet! Its been 90 days.As of now i need BSI Financial Services to do that so i can move forward.This has been the worse experience that i ever had dealing with a mortgage company!!! BSI is by far the worse mortgage company ever!!! From customer service, to being on hold for long periods of time, from not able to get in contact with management, to not returning your phone calls, to not updating information in a timely manner from not being able to make payments online due to not updating information in a timely manner, from your issues not being resolve and other issues with this company that i haven't mentioned!!! I would definitely not recommend anyone to this company!!!! To be brutally honest, I cant understand how these people are still in business.With all of there bad reviews from many of BSI customers and a C- on the XXXX, they should be investigated and shut down!!!
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| 12/11/2023 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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I built/purchased a new home in XX/XX/XXXX. In XX/XX/XXXX, I accepted a job offer in XXXXXXXX XXXX, so I put the home on the market ( initially in XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of XX/XX/XXXX, I could no longer afford to maintain the home in KY and pay for my living expense here in VA, so I reached out to BSI for assistance in XXXX to get a deed in lieu. XXXX was the last mortgage payment I made, and I was clear about that every time I spoke to BSI. At least 2 customer service reps assured my that as long as my account was current when I first reached out for a workout plan, that would be fine.
I have been trying to get a deed in lieu granted and BSI has been terrible about communicating with me from the beginning. Every time I reach out, I am told something different. On XXXX, they confirmed receipt of my loss mitigation application ( which they didn't tell me I needed until XXXX, despite several calls prior to that where I asked what I needed to do ) and supporting documents they requested ( tax returns, pay stubs, bank statements, etc. ). I sent that info via email on XXXX be clear, I had to reach out on XXXX to ask if they'd received the application I sent on XXXX ; no one reached out to me.
It says on the application itself that they will respond within 30 days with a decision. I called 2 weeks later to check in and they again said they had everything they needed, but that my case was still " pending. '' Fast forward to XXXX, which was day 30. I called and after being shuffled to 3 people, was told that it didn't appear my application and documents were ever sent to where they should have gone. That person said she'd do some digging and get back to me. I have heard nothing since.
I called again on XX/XX/XXXX and when the representative said they would transfer me to loss mitigation, he dropped the call. I called back and was told ( by a different representative ) that the loss mitigation staff was on another call and would call me backI am still waiting for the return call.
I believe BSI is in breach of contract, as over 30 days have passed and they have not communicated to me at all about my application statusthere are other statements on the application about what actions they will take, which they have not.
The lack of communication and clarity has been maddening. I am incredibly frustrated. Meanwhile, I have just started a high-level position and need to focus on that and other parts of my life. I have always paid my bills on time and wanted the deed in lieu, as it was faster and less of a credit hit vs foreclosure. Due to BSI 's negligence, I am now stuck with no options and no direction. I am a proactive person and have done everything I was asked ; BSI has done nothing.
While all of this has been happening, BSI has reported XXXX mortgage payment to the credit bureaus as late, so my credit has already taken a hit. I can only assume that they will report XXXX as late as well. A BSI rep assured me that after the deed in lieu process was complete, at my request, they would send a letter to the credit bureaus, asking them to correct/remove the late payments.
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| 03/18/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Our loan originated as an commercial loan secured by a residential rental property and we were guarantors. ( XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ) Our original Ioan maturity date was XX/XX/XXXX. We received an extension from the investor until XX/XX/XXXX, to complete the modification of our loan. All documents was signed and completed on XX/XX/XXXX, and we made our first payment in XX/XX/XXXX. We tried to make our XX/XX/XXXX, then we were advised the investor transferred servicing to BSI FINANCIAL SERVICES. ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) We began calling BSI in XX/XX/XXXX through XXXX XXXX and BSI had no record of our loan or our modification for months. We were trying to make payments to BSI, there systems had not been updated. BSI, refused our payment, previous modification from previous servicer and refused to offer us a loan modification or loss mitigation. At, no time were we offer any loss mitigation per terms of mortgage loan. BSI requested copies of previous servicer 's modification documents XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX but continued escalating our ARM loan and ultimately foreclosing on our property while be investigated for said same action per CONSENT ORDER with CFPB, seven months later. Due to loan escalation our interest rate increased to 19 % and payment increased to {$950.00}. In or about XX/XX/XXXX or XXXX, our loan was sold to XXXX XXXX XXXX XXXX with BSI FINANCIAL SERVICES as servicer. XXXX XXXX XXXX XXXX, owner XXXX XXXX XXXX in XX/XX/XXXX, agreed to CONSENT ORDER with California 's SEC and barring him force life. It appears BSI FINANCIAL SERVICES and XXXX XXXX XXXX XXXX, were operating adversely harming consumers. We need an email to provide additional evidence.
We have since reached out to BSI FINANCIAL SERVICES and XXXX XXXX XXXX XXXX OF BSI FINANCIAL SERVICES INC. , and still no payment or readdress per CONSENT ORDER with CFPB.
BSI 's customer service advised us to contact the foreclosing attorney XXXX & XXXX, for complaint of foreclosure error. XXXX & XXXX, have responded that foreclosure is closed and they don't represent BSI FINANCIAL SERVICES INC and XXXX XXXX XXXX XXXX. We are very perplexed, why BSI told us to contact their attorney regarding foreclosure error.
We are consumers affected BSI 's actions and inactions supported on said CONSENT ORDER. We are submitting complaints with the State of Pennsylvania 's various agencies regarding their violations. PA State Banking & Finance had no knowledge of this CONSENT ORDER. We also, contacted PA ATTORNEY GENERAL 'S OFFICE and was advised to file a complaint.
We are in desperate need of enforcement of said CONSENT ORDER, to prevent further damages to us. We are in possession of illegal foreclosed property and BSI FINANCIAL SERVICES INC and XXXX XXXX XXXX XXXX, is continuing with unclean hands with this ejectment proceeding in XXXX COMMON PLEAS COURT. Our mortgage defaulted and property was foreclosed illegally and XXXX XXXX XXXX XXXX XXXX XXXX causing us further legal expenses.
We have additional documents maximum documents can be uploaded is only 10mb. We have more documents.
BSI FINANCIAL SERVICES INC BORROWER : LLC
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| 11/28/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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I am at my witts end trying to get my issue resolved. I have been told for months that it would be corrected and every month despite my mortgage being paid I'm always a month behind. I know I haven't paid this month but I was told to let them figure out the previous issue before I paid XXXX. As of XXXX XXXX, I was paid unr ] til XXXX first but XXXX first I was suddenly delinquent for XXXX. Tonight i get a letter with delinquency dates that do not make sense despite proving with my bank account that I was paid for the months I was told I didn't pay my mortgage. I was told in XXXX that I had a credit because my account has erroneously been in bankruptcy for months, Once that was cleared I had credits from overages that were to be credited to my account making my XXXX difference {$100.00} that I paid and my account was due for XXXX. During the research of fixin my account it was found that I had an insurance check of {$840.00} that was due to me so I opted to add it to my mortgage and paid the difference of {$60.00} paying my mortgage up to XXXX. XXXX I logged on to pay my mortgage only to find out that I now owe for XXXX, No one can explain to me why this is even after seeing the credits and unapplied payments. They continually add late charges to my account and sending me foreclosure notices without trying to resolve the issue. I have called multiple times and was told they were escalating the issue but I haven't heard anything from anyone for weeks now. I have requested to speak to mangers since XXXX for issues before these and still haven't been contacted by XXXX. The only agent that helped XXXX XXXX I'm told is not employed there anymore. When you call the agents are rude and the last being XXXX XXXX actually hung up on me. I don't know what to do I'm praying everyday someone really looks at my account and find out what is going on, This is the only month I owe for and have not paid because XXXX agents ago told me she was escalating it to her XXXX and not to pay until they figure it out because my account is so messed up. At this point I don't know what to do. Any and all help is definitely appreciated. In the meantime, my credit is taking a hit because they are reporting me as delinquent even though I'm not because I have been paying my mortgage every month.
I have not received any resolution only pay the month you was told the credits would be applied to lose your home in foreclosure. There has been no resolution but they have sent an inspector to my home to do a foreclosure assessment and have contacted my insurance companies to advise them my home was vacant even though it wasn't and was being renovated at the time in an effort to get them to drop my insurance coverage. It has become very clear XXXX being told multiple things by different agents and have not received any clear answers. I was even told by XXXX I was responsible for knowing my mortgage had changed when they acquired my account even though they wasn't contacting me because they had my account in bankruptcy status and would not speak to me. I had the same payment for years XXXX and suddenly they acquire it and it's now XXXX and I was supposed to know even with no communication from them.
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| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is directed at BSI Financial Services ( BSI ). My mortgage includes an escrow account which pays for private mortgage insurance ( PMI ), taxes, homeowners insurance, principal, and interest. My PMI payment is {$100.00}. This complaint pertains specifically to the PMI payment amount and the resulting effect on my monthly escrow payment requirements. In approximately XX/XX/XXXX, my mortgage was purchased by BSI. My due date for my mortgage payment with my prior servicer was on the first day of each month, which was to continue in such manner with BSI. By XX/XX/XXXX, the date for which my first payment was due, BSI had still not contacted me in any way. Based on a letter from my prior servicer, I knew BSI was my new servicer. I contacted BSI and inquired as to how I can make a timely payment since BSI had recently purchased my loan and had not made contact. No option to make the payment was provided. On XX/XX/XXXX, BSI had finally completed loading my data into its systems and advised that both the XX/XX/XXXX payment and XX/XX/XXXX payment were due on XX/XX/XXXX. No late fees were charged and this was acceptable. Consequently, I made this double payment on time. This is where the issue begins. Because BSI took so long to load my data into its systems, then first PMI payment that BSI made from my escrow account was on XX/XX/XXXX, for {$320.00} exactly XXXX times my normal payment of {$100.00}. This makes sense, as XXXX months worth of PMI was due at that point. I have no problem with this action. Shortly thereafter, BSI conducted an escrow review and determined, incorrectly, that I would have a significant escrow shortage based on the mistaken calculation that my monthly PMI payment was {$320.00} rather than {$100.00}. Consequently, my mortgage payment increased by {$260.00}, from {$2600.00} to {$2900.00}. Other than the PMI payment on XX/XX/XXXX of XXXX, all PMI payments made by XXXX, including each monthly payment subsequent to XX/XX/XXXX, have been for the correct amount of {$100.00}. Such payments were made by BSI on XX/XX/XXXX and XX/XX/XXXX. I have not received my current statement so I can not advise on what date the XX/XX/XXXX payment was made.
As I did not realize this error until my payment amount changed on XX/XX/XXXX, I have contacted BSI via phone three times over the past approximately 30 days to seek resolution. The first call was on approximately XX/XX/XXXX, at which time a representative advised that she recognized the error and that it would be fixed. I called back about 10 days later and was advised that it was not reviewed yet, but that it would be escalated. I called back about another 10 days later and again was told that it would be escalated. To this date, BSI has not resolved the issue and I am going to make another erroneously-high payment tomorrow on XX/XX/XXXX. I have even explored refinancing so that I can be rid of BSI and XXXX go that route, although it includes up-front costs that I should not have to pay. This is a very, very simple problem that BSI should have already fixed. Instead, it appears that BSI will simply continue to require incorrect payment amounts indefinitely. Thank you very much for your help.
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| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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After a refinance, I opened an account through XXXX/bsi as instructed. On closing I was told I would receive a phone call and a welcome packet which never arrived, but the first bill did so I paid using online format. After paying, I received a email conformation and filed. While on vacation ( RV driving, so internet only available after hours while camping XXXX, BSI never took payment from my back account even though they provided a conformation. In addition, they added a late fee and attached that to the second payment I would be making. I reached out and left messages, but no one called so I could get an accurate amount to pay after the late fee was removed. After returning from vacation, BSI suggested I never paid, until I provided the fact I had a conformation number. They said, I had to pay the full amount, including the last fee for the previous two months. '' RECORDED LINE. Once I did they waived the late fee and said, " XXXXo Reporting to Credit since it was a their computer 's problem. '' RECORDED LINE. Recently, they refused to accept proof of insurance through electronic means they suggested ( I have XXXX. XXXX XXXX. I had XXXX XXXX billed me directly ( BSI threatened to add insurance that cost twice as much ) and tried to contact BSI for a new amount. They have not responded to 15+ Phone messages. I can not stay on the line, as they force you to leave a message. They never return calls. I have sent a video to their sales department email of me trying to pain my mortgage using their banking system, but it not accepting payment. I don't understand how this could not be breach of contract as they have attempted no communication beyond one email that stated, " Your information is being processed. '' To finally get away from this company, and take advantage of lower rates, I called another company who said they I have been reported as late on previous credit report. This was made in BSI error, but they still reported to my credit this impacting my family negatively for years to come potentially. Still, they will not contact me and so if I don't pay, they will continue to try and take my house illegally. My mother lives in the guest house behind us, and we are both non-for-profit, XXXX XXXX. Even having to pay XXXX XXXX {$410.00} XXXX a quarter of the premium ) was impossible without government intervention through stimulus ), only to have it refunded we BSI realized I would not fall into any more of their financial traps. Over 3 months of continued contacts, through emails and message and no response ; video of their website not accepting payment ( the dates are usually off from section to so they can trap those who need the grace period ) ; XXXX dollar fee to pay online ( which i would gladly pay for a site that 1 ) worked consistently and/or 2 ) was supported by the business ; a faulty hit to my credit ; and another late fee in lack of communication regrading house owners insurance using their process ( First time : Confortmain, but not shared with BSI ; Second Time : A code that wasn't active even though sent by BSI ). Will anyone help, because they flat our refuse to contact me and explain their action over the last year.
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| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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After a refinance, I opened an account through XXXX/XXXX as instructed. On closing I was told I would receive a phone call and a welcome packet which never arrived, but the first bill did so I paid using online format. After paying, I received a email conformation and filed. While on vacation ( RV driving, so internet only available after hours while camping ), BSI never took payment from my back account even though they provided a conformation. In addition, they added a late fee and attached that to the second payment I would be making. I reached out and left messages, but no one called so I could get an accurate amount to pay after the late fee was removed. After returning from vacation, BSI suggested I never paid, until I provided the fact I had a conformation number. They said, I had to pay the full amount, including the last fee for the previous two months. '' RECORDED LINE. Once I did they waived the late fee and said, " No Reporting to Credit since it was a their computer 's problem. '' RECORDED LINE. Recently, they refused to accept proof of insurance through electronic means they suggested ( I have XXXX. XXXX ). I had XXXX XXXX billed me directly ( BSI threatened to add insurance that cost twice as much ) and tried to contact BSI for a new amount. They have not responded to 15+ Phone messages. I can not stay on the line, as they force you to leave a message. They never return calls. I have sent a video to their sales department email of me trying to pain my mortgage using their banking system, but it not accepting payment. I don't understand how this could not be breach of contract as they have attempted no communication beyond one email that stated, " Your information is being processed. '' To finally get away from this company, and take advantage of lower rates, I called another company who said they I have been reported as late on previous credit report. This was made in BSI error, but they still reported to my credit this impacting my family negatively for years to come potentially. Still, they will not contact me and so if I don't pay, they will continue to try and take my house illegally. My mother lives in the guest house behind us, and we are both non-for-profit, State Employees. Even having to pay XXXX XXXX {$410.00} ( a quarter of the premium ) was impossible without government intervention through stimulus ), only to have it refunded we BSI realized I would not fall into any more of their financial traps. Over 3 months of continued contacts, through emails and message and no response ; video of their website not accepting payment ( the dates are usually off from section to so they can trap those who need the grace period ) ; XXXX dollar fee to pay online ( which i would gladly pay for a site that 1 ) worked consistently and/or 2 ) was supported by the business ; a faulty hit to my credit ; and another late fee in lack of communication regrading house owners insurance using their process ( First time : Confortmain, but not shared with BSI ; Second Time : A code that wasn't active even though sent by BSI ). Will anyone help, because they flat our refuse to contact me and explain their action over the last year.
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| 12/06/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
Servicemember |
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On XX/XX/XXXX, my mortgage was transferred from XXXX XXXX XXXX XXXX to BSI Financial Services. Despite maintaining consistent communication with BSI to ensure my account remained current, I received conflicting information regarding my exemptions in a letter dated XX/XX/XXXX, but not received until XX/XX/XXXX.
The inflated mortgage amount of {$2500.00} fails to account for my homestead and XXXX veteran exemptions. Furthermore, unexplained discrepancies exist within the statement, and these discrepancies have never been explained to me.
BSI representatives, including supervisors, have inaccurately informed me that my exemptions require annual renewal. However, the Texas Comptroller explicitly states that exemptions do not need renewal unless specifically requested by the chief appraiser, which has not been applicable in my case.
BSI has received all necessary proof of my exemptions and tax documents via email on seven separate occasions. Despite being verified by the XXXX XXXX XXXX XXXX, BSI has deemed these documents inadequate.
Upon consulting with the Department of Veteran Affairs Mortgage Department, I was advised to either demand correction from BSI or pursue legal action if they continue to disregard the data provided by the XXXX XXXX XXXX XXXX.
Additionally, according to 12 CFR Part 1024 - Regulation X section 1024.17 Escrow accounts, BSI 's assertion that they are unable to perform an escrow analysis based on an estimate contradicts the established guidelines. This has resulted in inflated monthly payments. Despite this, BSI utilized an estimate to generate a XXXX escrow analysis and determine the current monthly payment of {$2500.00}. This calculation was made without considering the finalized tax documents provided by myself, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
BSI claims to have paid an {$8000.00} tax bill in XX/XX/XXXX without reimbursement, making me liable for this overpayment. However, our actual taxes for XXXX, excluding homeowners insurance, were {$7100.00} and {$6000.00}.
BSI representatives have repeatedly informed me and my spouse that BSI can not provide any relief or payment options for the XXXX tax bill. This is particularly concerning given my financial hardship and inability to work due to military service-connected conditions. Despite multiple attempts to resolve this issue over several months, BSI has failed to provide any credible justification for their inaction.
My requests for callbacks from BSI have gone unanswered for months. Furthermore, BSI has falsified communication records. For instance, on XX/XX/XXXX, I called BSI to request an update on my escrow analysis and to speak with a supervisor. The representative informed me that I would receive a callback since the supervisor was ending a meeting. However, no callback was received. On XX/XX/XXXX, I called to follow up and was told by the representative that my callback had already been successfully resolved, even though neither myself nor my spouse had received a callback.
These instances of communication falsification raise serious concerns about BSI 's integrity.
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| 08/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/2021 - Started my inquiry in regards to the removal of PMI to my knowledge, I just needed to be at or below 80 % loan to value. This was verbally confirmed by a BSI representative.
XX/XX/2021 Company also has a record of me calling in to request a document and/or information to confirm how to remove PMI I am unsure on the exact info requested on this date, but I have checked that there was a call in about PMI on this date.
During all inquiries I was told that a letter requesting removal and an appraisal supporting value was needed because per my account, they do not show that it has enough value from original purchase amount. This is expected that they needed further documentation but I was not advised as to anything besides an appraisal and a letter that was needed, and I was informed that there was no information that could be sent in regards to confirming what was needed to do so.
XX/XX/2021 Scheduled the appraisal for XX/XX/2021 paid {$370.00} for the report XX/XX/2021 Received the appraisal report and sent to BSI for removal of PMI Sent with a copy of the appraisal, last mortgage statement, and a signed letter in regards to my request XX/XX/2021 called back in to check on status and that it was received, it was not, so I forwarded the original email and confirmed receipt XX/XX/2021 by a representative XX/XX/2021 Received a call that a letter in regards to property improvements was needed to now remove PMI. This was never advised and no information stating that was ever given to me in any initial calls. I asked what kind of improvements were needed and why, the representative stated that there had to be a reason as to why value improved. I was confused and did not know what upgrades/improvements so I made a list and sent it. Called to make sure it was received and was told 30 days later I would have a decision.
XX/XX/2021 Called BSI to check a status on the request since it had now been 30 days. Was advised that I would get a call back because they didnt know a status per the notes. Got a call later in the day that mortgage insurance would not be removed due to not having enough value I was told I was at 90 % loan to value, even though my appraisal shows {$350000.00} and my loan amount is under {$270000.00}. I was told that I would get a call back about what appraisal value I was needing to be under 80 % I spoke with Fannie Mae on XX/XX/2021 as well and learned of the online servicing guide which tells exactly what is needed and what requirement must be met to remove PMI. This was never mentioned. I also learned in a later phone call to XXXX XXXX that an appraisal that I ordered would never be useful in the removal and was not acceptable as a document to remove PMI and that it had to be ordered by the servicer.
As of XX/XX/2021 I have not received a call back and am currently on hold because on XX/XX/2021 when I called back to inform that I knew I had spent money now for no reason, I was told that I would get a call again and it looked like I would get an exception. Now I have been told that I can dispute it via mail, got sent to a supervisor voicemail, and am still on hold after I called back.
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| 02/12/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Hello. Once again we are having problems with payment issues with BSI Financial. All you have to do is XXXX them and see their rating and all the negative comments about this company and how they do business. I dont understand why XXXX XXXX them to continue to do business. We were granted a forebearance due to XXXX XXXX XXXX due to XXXX in XXXX of XXXX. We we forced to place a stop payment on our checking account bc they hit it during the forebearance and caused us overdraft fees... they too charged us overdraft fees even though we were in forebearance! We attempted to start auto draft back up in XXXX and thats when the nightmare started. We keep getting that the payments were revoked so we would end up mailing after many calls asking what was going on. We would be told it was fixed. Then the next month would happen and once again there was a problem drafting. All the fees keep being charged to us. In XXXX and XXXX they were drafting multiple times with the same letters stating we were revoking the payments! We werent. We would leave messages with our so called XXXX 's and they NEVER called us back. We have had 2 during this process : XXXX XXXX and XXXX. They give us so called direct extentions but when you go through customer service..they send you to a " dead '' mailbox with nothing but a Beep. No name, etc. We have never over the past 8 months got a return call, email or text. They sure do know how to send letters telling you they are collecting fees though! XXXX XXXX we called yet again and the XXXX that answered their XXXX # said they could no longer talk to us unless I emailed a HANDWRITTEN NOTE to their customer service email address. I did that. Then the next day we were told to go to our bank and get a letter stating there was NO blocks on our account. We did that on XX/XX/2023. They told us nothing was there to stop payments. We called back and the XXXX rep said they were going to cover all bases and RESIGN us up for auto drafts and that was done on XX/XX/2023. They have attempted to debit our account 4 times since those dates and we keep getting Revoked by customer and today we get a letter that says " Unable to Locate ''!!! What does that even mean?? They signed us up AGAIN on XX/XX/2023. ALL of their letters come with collection notices for FEES. There is one saying we are 30 days late for XXXX On XX/XX/2023 we costly spent the money to overnight 2 checks to them for mortgage payments. We have not heard anything back from them. I have written, faxed, and emailed 4 different people at one time all letters, documents and XXXX notice of payments. We think these people are in the XXXX business and ruining peoples lives with negative credit reporting. We have filed a complaint with the XXXX and we have a call in now to XXXX to see if we can do anything against the fact they are paid to XXXX their accounts but obviously cant or dont know how. Our Bank said the problem is NOT on their end but the STOP is on their end because they see NO RECORD of them attempting to draft our accounts. IF that was the case... why havent they seen it ... why didnt it fix itself when we were resigned up on XX/XX/2023??
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| 04/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We made our mortgage payment on XX/XX/XXXX through bill pay with my credit union. We have been using this method since our loan was sold to BSI Financial in the summer of XXXX. We chose this method because their app and website did not work efficiently. My credit union says it should be delivered by the XXXX. We started receiving calls on the XXXX, that it has not been paid. We continue to get these calls for a week, and they had excuses as the USPS holds bank checks like that or it has to be lost in the mail. I can understand a week but not 2 and 3 weeks. They had no other explanation, my bank unfortunately does not have tracking on the mail and this is the first time it has been lost but not the first time that it has taken 5 to 7 days to process, which is a monthly occurrence. We were charged a late fee which one representative said would be waived. After 15 days ( XX/XX/XXXX ) we cancelled the check through my credit union to pay on their app. Somehow my checking account number ( which was correct ) would not work. I tried it on their website and received the same message. I did a chat with my credit union to see if I should be using a different number or a different combination. They gave me suggestions of taking off the first two and last two and a combination of those. Nothing worked. I called up on XX/XX/XXXX to see what account number I needed to use, they offered to complete the payment over the phone for {$20.00}. I told them I would not pay the {$20.00} because I should be able to do it online like I was trying. She, rep XXXX, agreed to waive it and my account number, the same number I was using online. I asked that I be contacted on how I can make the payment online since we are running out of efficient and effective ways of paying our mortgage in a timely manner and our payment is due at the end of the week. The app does not work, the website does not work, a check mailed from the bank does not work. The only thing that works is something that insures more fees for them. During this process we checked reviews and others have had the same issue we have had, and have had issues with their home owner policies being processed in time, they end up trying to have them have their own high premium policy despite it being sent. They are also not supported by the XXXX and have the same negative reviews. We recently received a letter from the county reminding us to make our property tax payment that is paid through our escrow. It says it was processed on XX/XX/XXXX on the BSI app but we will see if it sent to the county in time. We have asked to speak to managers, supervisors and others and nobody calls us back. I have not received a email or call about the app and online issue despite speaking to the rep and sending an email that same day. Each contact we have had we asked that our loan be sold as we do not wish and did not choose to do business with them, and have received no response. They are a predatory company that are trying to make more money off people trying their best. Today XX/XX/XXXX I checked and my next due date is XXXX and we owe {$48.00} for May. Im not sure how that work?
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| 02/16/2023 |
Yes |
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- Trouble during payment process
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Web |
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I have spoken to XXXX CSRs since last XXXX. I have a weekly draft, it is showing pending the day of the draft. It always does this. Last Wednesday XX/XX/23 that pending draft was not there. I worked all day, got home and it still was not there. I called BSI, I spoke to a male, I did not get the name. My husband participated in the converstaion via speaker phone. I was informed that my bank stated the funds were not there to cover the draft. I said that was odd because I have money. I proceeded to do a manual payment with the CSR. I was also informed that only XXXX draft attempt would be made. The payment shows on my bank statement, dated XX/XX/23. Then I wake up on the XXXX and I have another draft, dated XX/XX/23. I was double drafted. I called back and spoke with an XXXX American female who was rude, interrupting and full of useless info that didnt pertain to the reason I called, and frankly was a waste of my time. She had my husband and myself extremely upset. This lady proceeded to tell me that the previous CSR was wrong in the info they provided, of course them seems to be a trend with this company, each CSR has conflicting information. I was told I could get refunded for the double payment but that would take half a month to get back. In the mean time, the misinformation I was provided caused a NSF fee for my sons daycare check. Check XXXX for {$140.00}, and the Overdraft Charge {$33.00} dated XX/XX/23. My husband, called on XX/XX/23, XXXX, literally the first business day of the week that he could call, to stop the draft from happening this week, draft date XX/XX/23. Since I was double drafted last week from the misinformation we decided to skip this weeks payment. And that wasnt even done, I got drafted anyhow. So I will be incuring more overdraft fees this week for yet another mishap. XX/XX/23, I have now incured another {$28.00} fee because my bank pushed the mortage payment through even though I didnt have all the funds to cover it. I have XXXX more pending payments that will incur {$33.00} fees each tomorrow XX/XX/23. My husband has been speaking to a XXXX XXXX at BSI as of XX/XX/23 who informed him that the bad information given that caused the double draft last week, was in fact the manager who provided it. I and my husband have been sending emails containing screen shots of the all the fees we have incured so far. So far nothing has been done. We have not been refunded for the fees and this company is a nightmare to deal with. Last year I had issues with them providing information that they paid my escrow and paid it on time. Before that it took an act of congress to get the welcome documents that they bought my loan. My payments to my old mortgage company were coming back before I recevied anything from BSI Financial as to where to send payments etc. I have had very few pleasant dealings with them. Their customer service is atrocious.
They have a hate group on XXXX, tons of lawsuits against them, tons of bad reviews and a XXXX XXXX score is a XXXX, and I can see why. I dont know as a government, how this company is allowed to remain in business.
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| 12/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXXXXXX XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX to BSI Financial Services. I received a delinquent tax bill from XXXX XXXX ( where I live ) for {$4100.00} which includes the quarterly tax ( {$4000.00} ) plus interest of ( {$63.00} calculated out to XXXX XXXXXXXX XXXX. I first called BSI Financial Services on XXXX XXXXXXXX XXXX to inform them that the taxes hadn't been paid. I also spoke to my Township tax collector who said that they need XXXX to send them something in writing so that they can send future bills to them directly. XXXX told me they don't have direct contact with counties. Some counties send them a tax bill and some don't. They said they didn't have the block and lot number for my property which they use to determine the tax amount online. I therefore sent the delinquent tax notice to XXXX on XXXX XXXXXXXX XXXX which contains the block and lot number and sent a copy of the mortgage transfer letter to the Township. I also contacted XXXX XXXX so that they could update their mortgagee clause with the new lender. I opened up an account online with XXXX so that I could monitor whether they made the tax disbursement. I sent a follow up email on XXXX XXXXXXXX XXXX asking if they received my XXXX XXXXXXXX XXXX email. On XXXX XXXXXXXX XXXX, I sent another email asking if they would consider discontinuing the escrow option so that I could pay the tax and insurance bills myself ( no response ). On XX/XX/XXXXXXXX XXXX I called XXXX XXXX again and asked them to pay the delinquent tax bill that day. The woman told me the tax bill would be paid that week ( i.e. by XX/XX/XXXXXXXX XXXX ) but probably not that day. She said it takes 6 weeks from the date of transfer for all parts of the loan to transfer and escrow comes last. She acknowledged that transfer started on XX/XX/XXXXXXXX XXXX and that this " fell through the cracks ''. I told her this was very stressful for me and that that the taxes need to be paid immediately. She said she would call me to let me know when they paid the taxes. Today is XX/XX/XXXX XXXX XXXX and the property taxes still have not been paid. The amount due today is {$4100.00}. I emailed XXXX the preliminary tax bill for XXXX on XX/XX/XXXX so that they know the future tax billing dates and amounts.
I am an only parent to a XXXX XXXX child and have a very high credit score. I pay all of my bills in full each month. I had no control over the transfer of my mortgage to XXXX XXXX. Losing my house would be an extreme loss for me and my child as I have acted in good faith with both lenders and have never missed a payment. My child receives XXXX XXXX from the Township school district and would suffer if I have to move to another house or if I lose our house. I have a stable job and fully expect to be able to pay off the remainder of the loan. The amount in my escrow account is {$8300.00} and I am about to pay them an additional {$1400.00} this month with the monthly mortgage payment. At this point, I don't have any reason to trust that they will service this loan responsibly. Please help me.
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| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I recently refinanced my home and the loan was sold to BSI Financial who it looks like you have recently investigated for similar issues. I have only been with them a few short months and have received a total of 4 statements. I am happy to provide the statements and proof of payments but if you look at them it is clear as day that they have added an additional payment as the XXXX statement showed I owed my regular payment due XXXX and showed that I was delinquent for the XXXX payment which I paid on XX/XX/XXXX.
It's as clear as day and all you need to do is look at the 4 statements and you can see this is a mistake on their end. However, I have now called them 4 times trying to get them to resolve this issue and have even escalated to a manager but I am not getting anywhere with them. I have emailed them proof of payments twice now but they keep stringing me along telling me they will look into it and have now reported a 30 day delinquency on my credit report! My credit score is over 800 and I have never had a 30 day late reported against me ever. The fact that this is so completely obvious leads me to believe they might actual be trying to scam me.
I did some digging and noticed that you recently settled with them for similar issues, they have 80+ XXXX XXXX XXXX complaints, a pending class action, and pretty much 1 star on most review sites. In reading through other peoples comments it looks like they have had the same issue where they string you along until you show as 60 days delinquent and then try to repossess and sell your house out from under you.
I should mention I also received a letter from them saying that they don't show me as having insurance and if I didn't send them a copy of the statement right away that they would purchase insurance for me at a " substantial '' cost. This is weird because the loan was just transferred to them and I contacted the initial agent who confirmed they had for sure set everything up correctly and it was all part of escrow. It sounds like this is another scam they run as many of the complaints against them tell the same story where they claim they didn't receive proof of insurance and then end up buying insurance for you and charging you a ridiculous amount and will not refund you even after showing proof.
I'm not quite sure who to turn to at this point because I don't want them to try and sell my house out from under me which has over XXXX in equity. I'm wondering if I should just bite the bullet and pay that extra payment and late fees while I continue to fight them but wanted to see if you might be able to help since it sounds like you are already familiar with their shady lending practices. There are only two possibilities, either this company is grossly incompetent or they are a scam. I can assure you that once they remove that delinquency from my credit report and my score eventually rebounds that I will be re-financing through somebody else even if I have to pay closing costs again and take a higher rate they are so bad. Any assistance you can provide would be greatly appreciated.
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| 05/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial erroneously reduced and then raised my monthly escrow payment. They are currently charging me {$400.00} per month more than I should be paying. The company provides no clear way to resolve this, and their telephone customer service just gives me the run around with no actual actions taken to fix my issue.
On XX/XX/XXXX, BSI sent a letter saying I had an escrow surplus. They gave me a refund check for {$2100.00}, and reduced my monthly escrow payment by {$400.00}, making my monthly payment {$1300.00} from XXXX through XX/XX/XXXX ( five monthly payments ).
I believe this was incorrect, and my escrow payments did not need to change ; they were already charging me the correct amount to pay my insurance and semi-annual taxes. My monthly payment should have remained {$1700.00}.
Then they did another escrow analysis on XX/XX/XXXX and adjusted my escrow amount in the other direction, increasing my monthly escrow to {$870.00} starting XX/XX/XXXX. This changed my monthly payment to {$2100.00}, or {$400.00} more than it should have been.
Since XX/XX/XXXX they have been charging me this higher amount, XXXX XXXX monthly instead of {$1700.00}.
The company should have never given me an escrow refund ; I believe that was a mistake. I want BSI Financial to reset my monthly payment back to the original, correct amount of {$1700.00}. I believe at this point I have a slight escrow shortage compared to what it would have been if they never changed my escrow payments. But I have no confidence BSI will return my monthly payment to the correct amount automatically after I make enough monthly payments to replenish my escrow account due to their mistakes. So I would like to pay the remaining escrow shortage in a lump sum now.
I sent the information above to BSI via their support form in my online account on XX/XX/XXXX. A support representative called me on XX/XX/XXXX. She said she could not view the message I submitted, she only had a note that said customer has a question about escrow amount. This is unacceptable! What happened to the details I sent them? I believe they are either lying, or criminally incompetent. I told the support rep ( XXXX ) I wanted to speak to someone who had read my message. She eventually put me through to her supervisors ( XXXX ) voicemail ; I left a message and asked her to read my support form message and then call me back.
On XX/XX/XXXX, someone named XXXX from BSI Financial called me. I asked if she had read the message I submitted in their web form on XX/XX/XXXX. She said no, she didnt have access to my message, she only had a note that I called about an escrow question. I told her I wasnt interested in speaking to her unless she read my complaint first, since I have spoken to BSI customer service and fully explained this situation several times since this ordeal started, and none of those conversations have resulted in anything close to a solution. While I was explaining this, XXXX hung up on me mid-sentence. Very unprofessional, childish, and I believe that should be a cause for reprimand and dismissal.
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| 05/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Servis One , Inc., d/b/a BSI Financial Services is a Repeat Offender they have signed a CFPB consent order indicating that they are aware of the problems, but they continue to behave in a way suggesting that they are ignoring the authority of the CFPB and BSIs responsibility to abide by the consent order.
This document is part of an ongoing complaint I have filed against BSI Financial, wherein BSI has made an error in the accounting of my impound accounts. To summarize, BSI has debited my account three times for {$2500.00} each time, and two of these are legitimate property tax payments, but the third is inexplicable. Therefore, BSI needs to credit me for their {$2500.00} error. However, instead of evaluating the information and reviewing the accounting, BSI keeps fabricating explanations and never provides documentation to support their fictitious claims, because there is no logical explanation for the debit other than an accounting error on BSIs part.
BSIs most recent fabrication attempts to dismiss the problem by claiming that the extra debit was a back-payment for unpaid XX/XX/XXXX property tax. But BSI provides no supporting documentation to defend this claim.
Below, is my supporting documentation showing that BSIs claim of back-payment of taxes is clearly wrong. The taxes were paid in XX/XX/XXXX ( on time ) through my impounds held and paid by my mortgage service provider at that time : XXXX XXXX XXXX XXXX. BSI was not even involved with my mortgage until XX/XX/XXXX after I had refinanced my home loan and the new loan was sold to BSI for mortgage servicing.
My series of documents below shows : 1. A copy of property tax bill indicating {$2500.00} amount due by XX/XX/XXXX ( would be delinquent after that date ) 2. Mortgage statement from my credit union ( which was the loan servicer at that time ) indicating a payment of {$2500.00} for property tax Bill 2 corresponding to the payment due in XX/XX/XXXX.
3. Copy of property tax statement indicating that the payment was applied on XX/XX/XXXX.
These documents prove that BSI did not make a {$2500.00} payment toward XX/XX/XXXX taxes, since : 1. The taxes had already been paid on XX/XX/XXXX and were not delinquent 2. BSIs dollar amount does not match the tax amount due ( {$2500.00} vs {$2500.00} ), and the County will not accept tax payments that dont match the amount due 3. The property tax statement shows that payment was collected on XX/XX/XXXX which is ten months prior to when BSI claims to have sent a payment i.e. BSIs claim is patently false In addition, BSI has a history of mismanaging escrow/impound accounts as demonstrated by a {$200000.00} fine levied by the Consumer Financial Protection Bureau ( CFPB ) in XXXX for severe escrow mismanagement. In fact, BSI is currently under a five year consent order associated with the XXXX penalty. But a review of the XXXX XXXX XXXX XXXX information on BSI reveals hundreds of complaints of a similar nature - all clearly demonstrating BSI 's disregard for the consent order.
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| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/2022, I applied for the covid-19 forbearance that was offered on the company 's website, which stated it would not report any late payments during this process. I had XXXX in XX/XX/2022 and wasn't fully recovered, losing work time that decreased my income in half. I was informed by a company representative on or around XX/XX/2022 that I was approved and that my covid-19 forbearance loan representative would contact me with the details of the forbearance and it would be backdated until XX/XX/2022. My contact person XXXX XXXX XXXX. I contacted and talked to XXXX XXXX XXXX at or around Ending of XX/XX/2022. I was informed that he would look into the forbearance and I informed him how I was informed that I was approved.
I XXXX XXXX that I had a late payment for my XXXX payment I was informed by XXXX XXXX what I wanted him to do regarding my account and, I stated that my late fee is removed because I was informed that I was approved for the covid-19 forbearance.
I wrote a letter to the CEO to address this issue and received an email from XXXX XXXX XXXX. During multiple correspondences, XXXX XXXX XXXX stated that he would remove the late fee from XX/XX/2022. A letter was sent to this company in the last complaint stating that I was never approved for a covid-19 forbearance. I have an email from XXXX XXXX stating that he would remove the late fee from XX/XX/2022. ( Emails included ) Also, in the letter from BSI to address the last complaint ( XXXX ) it stated that I never had a forbearance because my account was NEVER LATE. If it was never LATE then how why was my account reported from BSI late over 30 days in XX/XX/2022 during the forbearance loan? The company is being fraudulent in the reporting of my loan I spoke with XXXX XXXX at the servicing loan company that owns my loan note. In the notes, from the servicing company, XXXX confirmed that the servicing company BSI had me on forbearance from XX/XX/2022 and reversed the late fee. Copy of the email presented in this complaint. In the letter, that BSI sent to answer my first complaint, they stated I was never on a forbearance but why did BSI write in the notes to the loan company ( XXXX ) that I was on a forbearance and removed late fees on my account due to the forbearance? XXXX from XXXX tried to help in getting the late fees removed due to what was apparent BSI 's mistake in servicing my loan. Even when the loan company presented the error on this account they refused to remove this error that was made on servicing the loan.
I was misinformed to due to the company 's representative 's fraudulent actions and error. My credit rating was decreased by XXXX points due to this company 's error on my account.
The late fee in XX/XX/2022 needs to be removed from my credit report due to errors and misinformation by BSI informing me. The loan company XXXX representative XXXX, that works for the company that owns the loan note brought to BSI 's attention that they had made an error on my account.
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| 06/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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XXXX XXXX transferred my mortgage to BSI Financial. I have had nothing but issues with this company. First, they charged me double my PMI. My original loan said PMI was {$42.00} and I was charged {$85.00} a month from XX/XX/XXXX through XX/XX/XXXX. I complained when my PMI was not timely removed after I had paid down my mortgage and BSI refunded the XXXX payment. They said it would take 30 days to remove a PMI payment from my account. They still owe me {$42.00} for 5 months PMI overcharge. I was told it was being reviewed and would be refunded in a phone call in early XX/XX/XXXX. Its been over 30 days and nothing is applied to my account or refunded by check. Secondly, this company continually held my additional principal payments. I would mark the additional to be all principal and they would put it in " unapplied funds '' for up to 2 weeks. These were large payments so this cost me additional undue interest while I assume they made interest on my money. I think that is the reason for delays and processing that takes 30 days. Third issue is with my bi-weekly payments. I set up bi-weekly payments to avoid all the issues with not being able to get my principal applied timely and to reduce my interest and number of payments. I was sent notification from BSI that they received my application for Bi-Weekly drafts of {$1000.00}. My first draft was taken from my bank account XX/XX/XXXX. I looked at my account and the entire payment is sitting in " unapplied funds '' where it has been for 8 days with a notice my account is 8 days past due. PAST DUE??? I called customer service and was informed that the payment would stay in unapplied until they receive the second payment on the XXXX and at that time it would all be applied to my loan. I asked to speak to someone else and explained that the whole intent of bi-weekly payments was to reduce the number of months and save interest. The customer service agent repeated herself and said that was the policy and anyone else I spoke to would tell me the same. Its like the customer service reps don't even know enough to even understand mortgage loans. I didn't make a partial payment. I made a full by-weekly payment and I requested it be applied to my account retroactively so that I would receive the expected saved interest. Even the amortization calculator on my account shows how bi-weekly payments are designed to work. With my additional principal payment and bi -weekly payments I'm projected to save over {$40000.00} in interest. This company is treating the bi-weekly payment as I'm just late every month and I accrue even more interest which is the opposite of what a bi-weekly payment does. Ongoing issues with BSI financial including their inept customer service reps, their delayed response time, their fraudulent processing and mortgage lack of servicing is not only costing me financially, it is causing me emotional distress and is very time consuming having to watch-dog my account.
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| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received an escrow analysis for my mortgage. This was the end of the first year of the mortgage, of which I have never missed a payment. The escrow analysis stated a new payment of {$1400.00}, which was {$210.00} less than my previous payment amount ( XX/XX/XXXX - XXXX XXXX ). The letter also stated there was an escrow surplus of {$2200.00} which was due to me via check. I called the company TWICE to confirm the amounts were correct and both times the amounts were confirmed by different individuals. The individuals confirmed I would receive the check within 30 days of the letter. I never received the check but I was automatically charged the lower amount ( {$1400.00} ). After not receiving the check, I called the company again and they said the check was being put in the mail that day. I still never received the check or any clarifying information about what was happening. I waited approximately 60 days and called the company again ( on XX/XX/XXXX ), this time speaking with the manager. The manager explained that the analysis was incorrect and the letter provided an incorrect payment amount and incorrect escrow surplus. I was extremely frustrated because the company led me to believe that I could rely on this escrow surplus. But I was also frustrated because the manager said she was not sure how this would impact me. I wasnt sure if it would impact my credit, disrupt my mortgage, cause me to owe money next year, etc. I did nothing to have my payment changed. It was incorrectly changed by the company despite my efforts to ensure it was correct. I told the manager that this was wrong and that I was going to have to file a complaint with the CFPB. She begged me not to do so and asked that I give her 24-48 hours to get this fixed. She guaranteed a personal call back within 48 hours and promised that she would make it right. However, it has now been almost 2 weeks since that promise and I have not heard from her or the company at all. I called her direct line many times, called the general line and spoke with other individuals, but can not get her on the phone. All I know is they completed a new escrow analysis and they are changing my payment again. I have not received written notice of the new escrow analysis. I received a check this weekend for {$480.00} with the memo Surplus Refund Check. This is not the amount I was told I would receive. I feel misled and I am worried that Ive been harmed by BSI Financials faulty processes and poor communication. I have no other choice but to file a complaint here because I do not feel that BSI Financial is protecting me, considering me, or trying to do right by me. BSI Financial was not the company that I originally get my mortgage from. BSI Financial purchased my mortgage from another company. I am very upset with their performance and I wish they did not own my mortgage. I do not feel like they are focused on providing a good service to me.
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| 09/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I was approved for a VA Loan Modification with XXXX XXXXXXXX. I honored each step of the VA Loan Modification. I successfully paid each Trial Period Payments. On XX/XX/XXXX, I signed a Loan Modification Agreement between XXXX XXXX XXXX ( lender ) and myself. In the agreement it states as of XX/XX/XXXX, that borrower ( XXXX XXXX ) agrees to pay {$260000.00}, the interest will be 3.625 % beginning XXXX of XXXX. This is to remain in effect until XX/XX/XXXX of XXXX. ( Please see enclosed documents ). On XX/XX/XXXX, XXXX XXXXXXXX sent a letter of Notice of Mortgage Serving Transfer ( attached documents enclosed ). Then a second letter from BSI financial on XX/XX/XXXX of XXXX.
I understand under Federal Law that the contractual agreement between XXXX XXXX XXXX and myself is supposed to be honored by BSI Financial. Please provide an explanation as to why my interest rate continues to be 5.75 % instead of 3.625 %. Why my payment is {$2200.00} instead of {$1900.00} per the original agreement between XXXX XXXX I understand under RESPA, Fair Credit Reporting Act and the Consumer Financial Protection Bureau, that failing to convert a trial modification into a permanent modification and failing to honor a modification agreement after a servicing transfer is a violation of law. Please explain why BSI has failed to honor the contractual loan modification established between XXXX XXXX. Under federal law, if a complete loss mitigation application is pending at the time of a servicing transfer but hasn't been evaluated, the new servicer has to review the application within 30 days of the transfer date. BSI did not review my loan modification in 30 days or less. According to the Federal law BSI is supposed to review the modification under the guidelines of XXXX XXXX not BSI, please explain why BSI failed to honor this guideline according to the Federal Laws in place? I received my first notice about loss mitigation dated XX/XX/XXXX of XXXX, from XXXX XXXX. Please explain the exceeds the 30 days according to the Federal law, please explain. Also, a servicing transfer shouldn't affect a borrower 's ability to accept or reject a loss mitigation option offered by the prior servicer. If a new servicer comes into the picture and the time frame for accepting or rejecting a loss mitigation option offered by the old servicer hasn't expired as of the transfer date, the new servicer must allow the borrower to accept or reject the offer during the unexpired balance of the applicable time period. Please see the enclosed document, why is my loan modification contract not been honored by BSI Financial according to the federal law ( s )? Please refer to CFPB XXXX Mortgage transfer disclosures.
BSI Financial why are you not honoring the agreement established between XXXX XXXX and I ( XXXX XXXX )?
BSI Financial do you agree I had that loan modification with XXXX XXXX
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| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/2020 started my new campaign to work something out with my mortgage company, BSI Financial Services. I was told I was approved for their loan modification program. BSI agreed to offer me a loan modification in XXXX as long as I make 3 on- time payments. I am doing and did exactly what they ask and then I received a foreclosure letter from a lawyer, in the middle of the terms of their agreement. I have continued to make my payments as per our agreement. My attempts to reach out to BSI have been unsuccessful. My calls are not returned, and I am hung up on when I type in my personal information. Before BSI AGREED to work with me, I OFFERED to pay HALF of my arrears before the start of my modification. The BSI loan personnel SAID NO, to be exact, it is not necessary!! She stated BSI will put the amount at the end of the loan as long as I met the agreed 3-month trial pay period. She even quoted a lower modification amount and I chose to continue to send in the same amount, asking it to be applied to my arrears. I told her until I get the confirmation letter of my modification, I will continue to send my established mortgage payment. The lower amount was more than {$100.00} less than my actual payment. She explained I would not receive any paperwork regarding my modification until I met my agreement. We are still in the middle of the agreement and I received a letter stating my home will be sold in 30days. And no one from the company has answered my calls since I received the lawyer 's letter. BSI made an agreement, refuse to honor it, and now is selling my home from underneath me even though I am paying my mortgage. Why is this company being allowed to do this doing this tremendous world health crisis?
I am in no way denying my obligation to my mortgage. I am continuing trying to reach out and I am continuing trying to meet my obligation to my loan. My state and federal representatives all have stated to the public to stay in contact, reach out, make a plan, and let your loan service know where you are and what you are doing in this crisis period. I am and I have. It has been a one-way street. I AM STILL PAYING!!! Why am I here? The money I am giving could be used to try to secure my XXXX children and myself housing elsewhere if they were going to go here. Why didnt BSI tell me, too little, too late? Why give me false hope and allow me to deplete my finances to just turn around and go to this level. Now I am about to be put in a deeper crisis and hardship going into the holiday season because BSI decided to superficially offer hope to just take it away ; without notice and without me NOT meeting the agreement.
Where is the justice? Where is the humanity? They are not even the owners of the property. How can a third party have the authorization and rights to swindled homes with their predatory and deceptive financial practices legally.
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| 03/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Last year in the middle of XXXX my mortgage was sold to BSI Financial Services. At that time I was under a XXXX XXXX. In XX/XX/XXXX, the plan was extended for an additional 6 months. I was told at the time of the extension that I would need to apply for a home modification in XX/XX/XXXX, because it can be a lengthy process and in order to ensure that the loan did not show negatively on my credit report if I was unable to pay all of the rescheduled payments. Unfortunately for me, that was the last successful conversation that I have experienced regarding my Mortgage Loan. I started calling XX/XX/XXXX to initiate the start of my Home Modification paperwork ( Repayment Plan ). I left several messages between that time and XX/XX/XXXX on the voicemail of XXXX XXXX. This is unusual, because XXXX XXXX always seemed to return my calls in a descent amount of time, if not the same day. Eventually, I started to call in XXXX and requested to speak with someone else, because I was repeatedly told that XXXX XXXX was not available. I would get transferred every time to a different area or another number for the Loss Mitigation department. I have called nearly every week and sometimes a few times in those weeks. I continued to receive communication by mail stating that I was behind on my payments and that a payment would be due soon. I made my first payment in XXXX even without communication from the Loss and Mitigation department. As of today, XX/XX/XXXX that check has still not been cashed. For my XXXX payment I made a payment over the phone and it has been taken out of my account. Most recently, I received a letter in the mail stating that if I do not make the full payment in XX/XX/XXXX that my house would go into Foreclosure. I still have not spoken to anyone. About XXXX weeks ago, I spoke to XXXX XXXX. He stated that the person that was listed as my new contact person was unavailable and that he would email me and mail me a copy of the home modification application. The email that was sent did not work. The " Click Here '' link was a deadline link and would not allow me to move forward. Last week I received to copies of the application in the mail, along with the letter regarding a possible foreclosure. Since then, I have mailed the completed paperwork and necessary documentation for the process on yesterday, XX/XX/XXXX with a request to deliver with a signature and return receipt. This company has not been helpful nor easy to work with. I am not trying to lose my home or avoid payment. However, it is hard to continue a healthy relationship with a company who does not communicate with you or assist you with doing so. My mortgage has been sold several times since my initial purchase nearly 5 years ago, but this is by far the worse experience of all of those sales, Please help me with getting to a healthy resolution for myself and my family.
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| 12/04/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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The disbursement amount {$5300.00} reflected in my Loan on XXXX XXXX. It does not match the true taxes {$720.00} of my property for XXXX.
As a result of this error, BSI Financial increased my monthly payments to {$2500.00}, I called them and told them that I could not pay that amount, and that there was an error on my taxes. BSI changed my monthly payments to {$2100.00}. I usually pay at the end of the month but this payment had to wait for them so it was made XXXX XX/XX/XXXX. This payment should have been due in XXXX. but the website showed that it had not been done.
I called BSI to ask them why my payment was not reflected, to which they replied that I should send proof of my payment.
On XX/XX/XXXX, I sent BSI proof of my true taxes and my XXXX payment. I told them that it was unfair that they increased my monthly payment to XXXX for money that I did not owe them.
BSI told me they will carry out a review. They changed my monthly payments from XXXX to XXXX and the website showed that I had to pay it in XXXX.
All the monthly changes were made based on the wrong taxes, so I am paying {$5300.00} with interest.
From XXXX until today, I have sent faxes and emails, none of them have been answered.
I received a letter from the BSI where they assigned me a person who was familiar with my loan, they gave me a telephone number and an extension, but that extension does not exist. I sent faxes, emails, but none were answered.
I have called costumer services on multiple occasions. they never refer me to any department. They are friendly, they say they are going to contact the escrow department and that I should wait 3 to 5 days. None of them follow up. They have never called me again, when those 3 or 5 days passed, and when I call again, the same thing is repeated, they are going to contact the escrow department and I have to wait 3 to 5 days. I have asked them to send me a confirmation letter explaining to me what they are doing and how long I should wait, so far have never sent it to me.
I made my fourteenth payment on XXXX XX/XX/XXXX of {$1600.00} and my fifteenth payment of {$1600.00} on XXXX XX/XX/XXXX but the website showed that I owed two months, so I made my sixteenth payment of {$2100.00} on XXXX XX/XX/XXXX because that was what the website showed, my seventeenth payment of {$1600.00} XXXX XX/XX/XXXX, and my eighteenth payment of {$1600.00} on XXXX XX/XX/XXXX.
My loan started on XXXX XX/XX/XXXX. BSI has received and processed eighteen payments, which can be seen in my transcript history, yet the website shows that I must pay XXXX.
When I call BSI customer services they answer that they are reviewing my case. But they have never sent me a confirmation that they are reviewing my case. I have only received letters saying I owe money, which I am paying with late interest and charges.
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| 11/17/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Hello, I have a VA loan and my mortgage servicer is BSI Financial. BSI denied my application for mortgage assistance in XXXX without first requesting authorization from the VA Loan Technician assigned to my loan. I appealed the denial. My Loss Mitigation representative XXXX XXXX avoided all emails, texts, phone calls and voice messages for nearly a year and this has cause my loan to fall so far behind and into foreclosure twice. The VA loan technician authorized relief for the loan. Despite VA authorization, BSI did not award assistance and the mortgage was accelerated and a foreclosure sale date was set for XX/XX/2022. I managed to have her supervisor XXXX XXXX pull the sale because my single point of contact ( SPOC ) XXXX XXXX had been non-responsive for months concerning the application, appeal, and VA Loan Technician authorization. Despite the sale being pulled, I had no further contact with BSI to pursue another application for mortgage assistance. I continued to contact my BSI XXXX to pursue mortgage assistance and had no response regarding the loan modification denial appeal letter I sent. XX/XX/2022, I received a call with ( BSI Financial appearing on the caller ID ) informing me I had been approved for a loan modification and to make payments. I have now learned I was targeted by scammers and they have defrauded me out of 5 monthly payments of {$1700.00} each totaling {$8800.00}. I filed a police report and traced the postal money orders. I believe BSI had a data breach and did not tell me about it or may be complicit in the fraud. Five days after paying the scammer the last payment on XX/XX/2022 my ( XXXX ) finally reaches out to me on XX/XX/2022 after not having any communication with her for a year asks me what did I want to do with the house and had no clue as to where we last left off with my loan. I learned via Attorney XXXX XXXX that my house was again set for foreclosure in XX/XX/2022. I had no clue and my ( SPOC ) didn't inform me about the sale. A buyer walked into my yard and he stated that my house was listed on the website for foreclosure XX/XX/2022. No one informed me. The sale was pulled after a conference call was made with a nonprofit law firm/VA representative and BSI concerning the payments I had made, learning the payments were not received by BSI, and inquiring about late responses to a request for information the non-profit law firm prepared for me to send so that I could learn what had been done on my application since I had not received anything in writing. I applied for mortgage assistance last week and no decision has been made. I would like to sue for servicing error for delay and mortgage assistance that was denied before the escalation in interest rates which has doubled since I first applied after BSI failure to contact the VA and VA approval of assistance.
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| 08/04/2022 |
Yes |
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- Trouble during payment process
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Web |
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So back in XXXX I did a refinance mortgage fha with a company XXXX XXXX. The loan was bought by freedom and paid to freedom starting XX/XX/XXXX. As I was paying freedom I received XXXX mails and calls from XXXX saying their was a compliance issue and they need me to do another refinance left v mails they would make it fruitful and emails I have all. I called freedom they said nothing was wrong XXXX my mortgage. I continue to pay and XX/XX/XXXX I called freedom to make payment they said the loan was sent back to original loan officer at XXXX and should I have gotten a letter or call. Which I didnt. Then XXXX XXXXXXXX XXXX called me to meet. I met with him a another loan XXXX XXXX cabals. My husband and another attorney XXXX XXXX they proceeded to tell us their was a compliance issue XXXX original refinance and we needed to do another one and they would make it beneficial to me. I refused and contacted the fbi and got a attorney. The company attorney for them was XXXX and he kept calling me to tell me they will give me XXXX months free. I said call my XXXX. Me and my son XXXX XXXX met with the fbi in XXXX. Gave them flash drive all documents. Im XXXX office in ny. I have never received anything from this company. I have been paying my own home owners and taxes I have all proof. Now I have a attorney XXXX XXXX PC XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX phone XXXX. I retained him XXXX his been working on my mortgage fraud case since. Now we have a company reporting on our credit report BSI financials XXXX XXXX XXXX XXXX XXXX PA XXXX. Phone XXXX. XXXX they own my loan which they couldnt. Cause Im In Supreme Court with XXXX contact my attorney. They keep changing things saying amounts are ridiculous and Im In foreclosure which im not and then sat delinquent status missed payments from XX/XX/XXXX. I have never received paperwork or anything in mail at all this company then changes says deed in leu. Then says bank liquidation. I have police reports on them I submitted to credit bureaus also This company puts conventional loan which is not. Both company are in violation of nys mortgage laws and also fha violations and consumer mortgage violations. XXXX also made the mistake and recorded XXXX different things on my deed. They also stole XXXX from me. I paid to have my husband added on deed At original refinance. They took advantage of me during this whole Process of mortgage fraud. Im fighting them in Supreme Court. I would Like XXXX XXXX off my experian report. As I have XXXX Police reports not from any state troopers They are the only Ones that are refusing to take off and this is violating the police report and my credit rights. I also had a report with CFPB back in XXXX with a XXXX. Who didnt ever get back to me just dropped off the report was against XXXX XXXX XXXX XXXX can look up. My name
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| 04/28/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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This is a VA Loan XXXX XXXX is a Veteran. We talked to BSI Financial Servicing around XXXX, 2019 and several several several years several times prior and asked if we could speak to the department that handles Modifications they said they do not do Modifications. We wanted to do a Modification of the VA Loan from 6 % to the current market rate 4 % or what ever is was at that time. We did not want to change any of the terms other than the interest rate as we have only 6 to 8 years to pay this loan off. They said they only do refinances for a 30 or 15 year loan. We were struggling at that time as the XXXX XXXX XXXX XXXX was taking a down turn in which we work.
Our prior professions were in the XXXX XXXX XXXX I worked in this profession for over 36 years XXXX XXXX, XXXX XXXX, whether it was a XXXX, XXXX, XXXX or XXXX. I have closed more properties that you can imagine.
Now we are really struggling due to the Cornavirus Pandemic and the XXXX XXXX XXXX is the worst it has ever been, gas stations are selling gas where we live at {$120.00} per gallon. We have been calling the for the past few months and leaving detailed messages the recording says they will call you back in one business day. They have never called us back and the recording will hang up on you. They also messed up our escrow account last year and this year they increased our monthly {$300.00} that is crazy they said they were sorry, they have also messed it up in the past several times. We have worked hard to get this house paid off not to increase the mortgage. We asked them how is the owner of the loan and the phone number, address and could not get a answer from the. The prior servicing co. was XXXX XXXX XXXX we never had any problems they are one of the best banks and lending companies. We are not going to go on their web sites as the are just a bill collector wanting more information. BSI Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX they need to get it together and been more professional. We need help from you on getting them straight and doing our Modification or the Owner of the loan. I used to XXXX XXXX XXXX XXXX for lenders and work with the client to sign and record it of record. It only take a few minutes to XXXX XXXX XXXX. Please help us we want them to do the right thing or lead us in the right direction. We wish they would respond as follows : Thank you for your sacrifice, your bravery, and the example you set for us all. In short, thank you for your service! To all those who have served, and those who continue to serve. Kindest regards XXXX & XXXX XXXX - XXXX. VA rates are about 3.500 % now. We are not in this for them to make more money from us but to lower the VA rate and pay this loan off. Its secured by a VA Certificate of Eligibility. We need your help. XXXX & XXXX XXXX - XXXX
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| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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2 issues : 1 ) The handling my mortgage servicing transfer by BSI has resulted in untimely escrow disbursements for property tax, despite notifying them of the required payment multiple times through multiple channels. They currently hold the required funds in my impound account but are not actioning my urgent requests to ensure they pay the delinquent property tax bill per my requests. I have notified them through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The customer service agent has replied " We are processing your request '' or my account manager has said " I have escalated your request '' on each occasion without further providing detail when asked. I have also contacted BSI by phone on this matter weekly since XX/XX/XXXX which will show in their contact logs, including leaving messages with my account manager 's voicemail directly. I have been told it would be resolved in early XXXX ( it was not ) or advised to " keep calling back- I've escalated but there's nothing more I can do ''. The issue remains unresolved.
2 ) My loan is eligible for a recast after 90 days of origination, which was XXXX XX/XX/XXXX. The eligibility was confirmed by my loan originator, XXXX XXXX XXXX, in XXXX. I requested a loan recast application on XX/XX/XXXX from BSI via secure messaging. I subsequently chased this due to no application arriving via follow-up emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also calling weekly requesting this information from their contact center. Upon finally receiving the details to contact my Account Manager directly, I confirmed on XX/XX/XXXX the wire details to transfer the additional principal balance ( $ XXXX ) which I completed on that day. This was to ensure the recast would be completed and reflected on my XXXX XXXX monthly payment ( reducing this by over {$990.00} so a significant amount ). Subsequently, I have been calling twice weekly as will show in their contact logs and emailing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( the latter including their VP Client Services and Loan Manager ) to confirm the recast is completed in the timing outlined by the account manager. They have either not responded or have responded to tell me it's either 'escalated ' or 'processing for XXXX XXXX '. It is now a week later, they have held my wired $ XXXX funds for over 4 weeks and the recast is not in effect and there is no confirmation of when this will happen. I have already incurred 2 higher monthly payments than necessary if the recast was effected when requested and eligible. I reported to the account manager and VP of Client Services and Loan Manager that I would be reporting a complaint to CFBP to which he responded " I understand if you need to file a complaint with he below listed authorities. ''
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| 04/05/2021 |
Yes |
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- Trouble during payment process
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Web |
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Please note I could not upload all the attachments on your website. I received an error.
I received an Annual Escrow Disclosure, but BSI Financial did not account for the correct home insurance premium on their annual escrow account disclosure statement which was dated XX/XX/XXXX, and sent to me. I am very concerned because I prefer things to be reflected accurately, and BSI financial did not reflect my home premium accurately on that disclosure. They also refuse to help make the change and send me a revised disclosure.
BSI Financial 's escrow disclosure reflects an incorrect amount which was my original policy renewal amount before any changes were made by me. They printed and mailed this disclosure to me approximately XX/XX/XXXX BSI financial refuses to redo the disclosure because it doesn't meet their threshold to do so. They said something that it had to be over {$670.00} for it to be re-evaluated or something like that and my shortage was only {$620.00}.
I was told that my request to have it reevaluated would likely be denied even though their error causes me additional hardship, and it's not accounted for the way it should be.
I was told by XXXX at the company that the Insurer never notified them of the change with new premium but later XXXX at BSI Financial retracted that comment and said the insurer did send a new Declarations page the new amount of {$1900.00} but would not give the date they received. However, that still did not prompt them to correct my account they just said it would be an overage next year.
My renewal was XX/XX/XXXX but I made changes to my policy on XX/XX/XXXX and XX/XX/XXXX.
My premium went from {$2300.00} to {$1900.00} as a result of those changes.
XXXX sent a copy of the declarations page to the mortgage company approximately XXXX the XXXX notifying them of these changes with the declarations page.
There was a refund check issued in amount of {$340.00} for difference in premium. It was issued by XXXX on XX/XX/XXXX. I forwarded the refund payment to the mortgage company immediately after I received it as per my Insurance company instruction to do so. The Check # is XXXX issued on XX/XX/XXXX for {$340.00} BSI Financial had approximately 121 days from the time my insurer sent them the new declarations page showing the correct premium, but even after this amount of time they have failed to report it accurately. They seem to resist wanting to make this right, and do not care how these increased costs affect my family.
It is not fair to us to have to pay for something additional when it was not accounted for properly by BSI Financial. They had plenty of time to send a correct disclosure to me.
I hope you can get them to change their stance on correcting their Escrow Disclosure because it was entirely their mistake.
|
| 07/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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When XXXX Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( XXXX Mortgage at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip XXXX months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to BSI XXXX XXXX XXXX found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. BSI then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with XXXX investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them XXXX months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before BSI ruined it.
XXXX Still wont communicate with the new lender and inform them of the previous agreement recently was told BSI is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN XXXX MONTHS.
ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!
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| 02/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is the second time I am submitting this complaint because it was not resolved the first time. Here is the info again : BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX XXXX.
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. We mailed a check for that payment on XX/XX/XXXX. We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the XXXX as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance.
The company responded with a letter stating that the payment for taxes had been made. This is not what I requested. The response letter did not state that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice. It also needed to state that all future escrow disbursements will be made on time.
Having delinquent taxes appear on my credit report can be harmful to my financial success in the future. BSI stated in their letter that " The timing of that tax disbursement will not influence at all anything that BSI reports to the credit bureaus. '' BSI does not report delinquent taxes to the credit bureaus. The government agency collecting the taxes does. Having a letter stating that BSI doesn't report delinquent taxes to credit bureaus will not help me dispute the delinquent tax payment with the credit bureaus should it appear on my report. Having a letter stating that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice will help with a dispute.
|
| 03/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I have XXXX accounts which initially were with XXXX XXXX, but they unfortunately sold these to Servis One , Inc dba BSI Financial Services NMLS # XXXX : XXXX. Acct # XXXX is a XXXX XXXX loan that has been paid in full with proceeds from my XX/XX/XXXX refinance. BSI refuses to send my {$230.00} escrow balance refund as they want to withhold it for another 30 days before refunding it to me! Ive never had any lender do this when I owed my escrow balance after a payoff!
XXXX. Acct # XXXX is an UNSECURED loan which they received a {$6700.00} payment via US Mail on XX/XX/XXXX, but refuse to apply it to my account. The balance was {$6600.00} as reflected on BSI XX/XX/XXXX statement, attached. BSI is clearly overpaid. They called today, XX/XX/XXXX, informing me my account is past due! After spending several hours on two calls today, I learned that they did not apply the {$6700.00} to my account because I didn't request a payoff amount!!! Ive never heard of this practice! Further, they want me to pay an additional {$170.00} for " release fees ''!! This is outrageous! They said they would return the check -- further delaying this payoff! The {$6700.00} check is currently sitting in their bank account collecting interest for themselves, Im sure. Very unethical not to apply the payment to my account since receipt of it on XX/XX/XXXX! This is an UNSECURED loan! There should be no recording and no XXXX involved, so absolutely no fees should be charged to pay off this loan! In fact, my lender never saw this unsecured loan on my credit report nor my title report -- they had no idea it existed! It was I who kept telling my new lender that I have TWO BSI accounts. When my new loan funded on XXXX XXXX, XXXX, my new lender immediately wired the payoff payment for Acct XXXX ( Title I loan ) which included NUMEROUS fees BSI charged to release that lienand as for this second UNSECURED loan, the {$6700.00} check was mailed since it is NOT a secured loan.
BSI needs to be investigated for withholding payments, charging late fees, and all sorts of ridiculous unnecessary fees. I feel this institution is unfair, dishonest and unethical. I can't trust them. I have over a dozen creditors and many are paid via XXXX XXXX XXXX XXXX ( mailed checks ) and NONE of my creditors claim to receive my payment for almost a month since XX/XX/XXXX! Ive had to pay BSI late fees for several months on both of my accounts. Multiply that by the hundreds of thousands of customers BSI is doing this to and blaming the US Postal Service. Interesting how with the large {$6700.00} payment, they were able to receive it in just over a weekand not a monthas they have been claiming with my previous payments. BSI is now messing up my credit report and delaying my finances.
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| 10/24/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX I filed a Chapter XXXX bankruptcy. I successfully completed the Bankruptcy obtaining a discharge on XX/XX/XXXX and the Bankruptcy was closed on XX/XX/XXXX. The final payment was made by the Bankruptcy Trustee in XX/XX/XXXX and was for XX/XX/XXXX. However, the Trustee did not file the Notice of Final Cure Until XXXX XXXX.
Before the Final payment was made in XXXX, I contacted my Attorney, XXXX XXXX with XXXX XXXX, and asked when I would have to begin making payments. I did this because the mortgage statement that I received stated that my payment would be due XX/XX/XXXX. He contacted the trustee and was told that the payment would be due in XXXX as well. The Dated on the statement caused a lot of confusion.
In XX/XX/XXXX I contacted BSI and attempted to make a of {$660.00}. I was told that I as already behind on my payments. I tried to explain the situation which was of no help at all. I, Also asked why I or my attorney was not contacted about the payment being due. Not receiving a adequate response, the call was terminated. I immediately call XXXX XXXX and informed him as to was had occurred. He told me to try again to make a payment and he would try and find out what was going on. over the next several weeks I tried to make payment multiple times and XXXX tried to Contact XXXX, both were unsuccessful. In XXXX, I even attempted to make a payment of {$1900.00} and that was rejected.
On XX/XX/XXXX, I went to XXXX XXXX XXXX office and once again attempted yo make a Payment of {$1900.00} via a conference call. When the payment was rejected again, I asked why and was told that it was being rejected because it would not bring the Mortgage current. On XX/XX/XXXX XXXX XXXX sent a Letter to XXXX XXXX with XXXX XXXX XXXX explaining the situation and a resolution enclosed.
The only option that they have offered is a Trial payment plan. See Attached. This does not guarantee a modification and it raises my interest rate. this plan included my Ex-fiance, who I separated from back in XXXX. I provided BSI with both the court papers and Quick Claim Deed to prove this.
I was not contacted by BSI until after the bankruptcy was discharged. When I was contacted by their representative, XXXX XXXX, I tried to explain the situation and he refused to listen. he told me that they would foreclosing on the mortgage. After that phone call I called XXXX XXXX. After Several attempts he finally contacted BSI Attorney and managed to get the foreclosure stopped. We have made several attempts to taker care of this with no resolution.
XXXX XXXX informed them that with the current pandemic, that there was the option of forbearance on my past due payments. Moving the payments to the end of the loan. this option was even rejected.
|
| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a rebuttal regarding the company 's response to my prior complaints. I have included additional supporting information, so please do not disregard this rebuttal. The attached documents provide a thorough description of the issue. Part of the text is included below for reference/context.
I am writing this in rebuttal to BSI 's response which your office forwarded via email to me on XX/XX/XXXX. Additional supporting documentation ( copy of escrow closing document dated XX/XX/XXXX indicating XX/XX/XXXX taxes already paid in full prior to BSIs business relationship with me ) included to further support my position.
My prior complaint and documents ( including property tax bills for the last six payments ) to help BSI try and resolve this matter are also attached. The fundamental issue is that BSI sent in an extra {$2500.00} check for property taxes ( and deducted the amount from my impound account ) which wasn't needed, and never cashed. BSI has failed to credit me back the amount, and hasn't looked at my documents or spoke with XXXX XXXX assessor 's point of contact I provided, in order to resolve this matter.
BSI 's last response has misinformation - specifically, they keep repeating that they made a payment of {$2500.00} for XX/XX/XXXX taxes and that this accounts for the " extra {$2500.00} ''. But this is simply not true.
The XX/XX/XXXX taxes were paid by my prior lender ( XXXX XXXX XXXX XXXX ), and the dollar amount was {$2500.00} - this occurred 5 months before I even had a business relationship with BSI ( which began after I refinanced my loan in XX/XX/XXXX which was then sold to BSI financial ).
As further proof, attached is an image of the closing documents from that close of escrow/refinancing in XX/XX/XXXX- clearly showing ( see pen location ) that at close of escrow the XX/XX/XXXX taxes had already been paid, and that the next tax payment was due in XX/XX/XXXX ( which BSI paid delinquent in XXXX ).
In addition, I met in-person with XXXX XXXX tax assessor 's office ( XXXX XXXX XXXX XXXX and received a subsequent email from her review of the last XXXX tax payments ( attached ) where she explicitly states that the XX/XX/XXXX payment was made by XXXX XXXX XXXX XXXX XXXX not BSI! XXXX XXXX also clarified that the " extra check of {$2500.00} '' from BSI was not needed and therefore photocopied and destroyed by her office. Her email includes the check numbers from BSI 's checks so that BSI can confirm that the check was never cleared/cashed. XXXX XXXX was even so generous as to offer to speak with BSI to help clarify the situation.
However, BSI is choosing to ignore all of this supporting documentation and stick with their misinformed and inaccurate response.
|
| 06/12/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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Having problems from the first second this company came to us. New problem now : Company did not get transferred loan correctly, which turned into a world of problems. Had to contact CFBP and the XXXX to get an answer out of them. Loan transferred to them without knowing it, and they started sending us foreclosure letters because we were on a forbearance plan with the previous one when it was transferred. ( Even thought we went back to making payments ) An entire year goes by, and they randomly send us a loan modification. The modification did not make any sense, and was wrong. Wrong dates/ wrong amounts etc. We decided to sell our house, and we asked for the payoff ( to get away from this company, this it literally our only choice at this time ). They gave us an amount that is completely wrong. During this time we got a lot of answers for everything and there payoff manager FINALLY explained everything that happened. Once we found out ( finally ) still never actually spoke to someone because no one ever called or email until we had to go to length of contacting them through CFPB and the XXXX. They said they would no longer honor thier initial loan modification and sent us another one we a 3 % higher interest rate. We locked in an interest rate VA at 3.6 and they jacked it up to 6 % and said there wasnt anything they could do, even though they literally sent us one 1.5 months prior to that. We said we would not sign that because we should not have to pay 6 % interest rate, and everything that happened was because they had thier data incorrect and did transfer the loan correctly. There payoff manager has been the only one to communicate any of this with us, and no one else has tried to contact us. They once again just messed up our credit, by saying we were late, when we in fact are not late at all, and have making payments. If anything, we owe them the three months, but each time we get a document from them, it says a different amount of debt. It XXXXnow says we owe them XXXX yet, our mortgage is only XXXX a month.
They need to fix our credit, and interest rate, and we are paying off the loan. I have no idea how a company of this size is allowed to do business anymore. They have messed up so many peoples credit and lives, and cant even call a consumer.
They need to fix this immediately. Especially our credit.
Please note I have attached the response of the " Vice President '' saying we failed to return the loan modifications. We did not even know what the modifications were and they were not correct. They did not explain anything to us, and when it was finally changed they changed the interest rate to 6 %. This is unacceptable and unethical business practices.
|
| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XX/XX/2021 my husband and I did a loan modification with a previous company, after the modification was approved but before my payment was due they sold our loan to BSI Financial. My payment was due on XX/XX/2021. I contacted BSI as soon as I had their information, and was told that the process could take up to 10 days to get transferred over and to not make a payment until they had the loan documents. I explained that we had just been approved for the modification and they assumed me that I had nothing to worry about that it would be honored and my payment amount would be the new modified amount. I waited the 10 days, but I did keep checking online to see if I had an account yet, I called them back after 10 days. Still had no information, again I was assured everything would be fine and that this was not uncommon and there was a 60 day period before they would charge any late fees or report me to credit agencies for non payment. Finally in XXXX, they finally had my information and had created an online account for me. However they did not have the modified information, when I asked about it I was told that they had just gotten the documents from the other company and it was in the process of being updated and again was assured that everything would be fine and to make the modified payment, which I did. After that I called them twice a week to check the status, each time I was given a different reason as to why the information was not updated. I was assigned a point of contact whom I reached out to but could not get in touch with and could not get a return call. Each time I called customer service, I was told I needed to speak to the POC and each time I explained that I had been trying. Finally it got to the point that I called everyday. I was even told at one point that they had not received my modification package from the previous company so I told them I would reach out my self and ask them to resubmit it to them and I also sent copies to them my self. The rep that I spoke with stayed on the line to make sure they came through and once they did she told me she would get it to the appropriate department. Fast forward to just short of one year, and my account it still not reflecting the modification, I still can not make payments online, I have to call it in each month and go through the whole process as to why I am not going to pay a fee to make my payment. I still can not get in touch with my POC after multiple phone calls and messages left. If I log into my account I can see my payments that I have made but it says they are unapplied. I don't know what is happening with my money at this point. I am extremely frustrated!!
|
| 01/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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Hello. On XX/XX/XXXX we submitted a Customer Renewal Form ( which XXXX XXXX sent that via mail to submit into them asap ) with all our documentation to re modify our loan due to our loan was up for renewal on XX/XX/XXXX. We received another Customer Renewal Form via mail again on XX/XX/XXXX stating we needed to complete it and send it in asap. I emailed XXXX XXXX on XX/XX/XXXX to let them know that I had already provided the information as requested and attached all the documents to the email again. On the same day our mortgage lender replied back stating " This will get me started! Thanks!! ". A week before the maturity date I phoned the mortgage lender and ask for an update on our package and they stated that everything looks great and to continue making your payments and if anything else is needed we will contact you. We thought everything was okay and we didn't have anything to worry about. Come XX/XX/XXXX, a year later we received a letter from XXXX XXXX stating that our loan was going to be transferring to BSI come XXXX or XXXX I believe and we need to start making payments to them. We then received something from BSI with our monthly payment information which was our normally payment amount that we were previously were making with XXXX XXXX. We received another letter about a month later stating that the mortgage had matured and that the full amount was actually due. Since the loan has transferred to BSI they will not help us with anything. We submitted loan modification paper work and they denied us stating the loan had matured. We feel like XXXX XXXX was wrong because we never received a denial or an approval letter on if we were approved and they just kept taking our payments after the maturity date and transferred our loan to a new servicer without forwarding our documentation to be reviewed by BSI. We feel that BSI was wrong because I wrote them a letter and explain the situation and they still wouldn't do anything about it. If we would have received something from XXXX XXXX stating that we were denied ( if we actual were? ) We could have figured something else out. We were in a Chapter XXXX Bankruptcy at the time and nothing was even forwarded to our attorney 's that we were approved nor denied for anything. We are still in Bankruptcy now because BSI would not accept any payments other than the full amount due per their customer service rep. Now the bankruptcy court has lifted the stay and our home will be facing foreclosure. We just need someone to help us. Thank You So Much!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
|
| 04/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We own a cabin property located in XXXX XXXX XXXX that has four-separate RE parcel numbers and four-separate RE tax statements. The parcels are as follows : XXXX XXXX ( delinquent XXXX ) XXXX XXXX ( delinquent XXXX ) In XXXX, I logged onto our BSI account to determine what the mortgage loan escrow account balance was and discovered that two annual tax payments were made on XX/XX/XXXX. One payment was in the amount of {$1100.00} and the other was in the amount of {$2.00}. I called the BSI Customer Service phone number at XXXX, selecting the number to talk with the tax escrow department. Since my initial conversation, I had spoken with six to seven different BSI customer service representatives and was notified that the delinquent RE taxes due in XXXX were not initially paid in XX/XX/XXXX ( when the RE tax amounts were deducted from this escrow account ) but instead were deducted from our escrow account and paid in full in XX/XX/XXXX. After going back and forth with a customer service representative, I requested a copy of our escrow account disbursements, which confirms that these RE taxes were paid TWICE ( once in XX/XX/XXXX and again in XX/XX/XXXX ). I then called BSI and spoke with another customer service representative ( XXXX ) who informed me that I needed to contact XXXX XXXX XXXX. When I contacted the County, they confirmed that the RE estate taxes for these two parcels indicated above were not paid in XXXXbut instead paid in full in XX/XX/XXXX.
Once again, I called the BSI Customer Service phone number at XXXX, selecting the number to talk with the tax escrow department and spoke with XXXX, Supervisor who agreed that these tax payments were deducted from our escrow account in XX/XX/XXXX and again in XX/XX/XXXX. XXXX informed me that he would do additional research to see where the {$1100.00} deducted from our escrow account in XX/XX/XXXX went. I spoke with the XXXX XXXX XXXX Supervisor to confirm that they did not receive payment from BSI Financial in XX/XX/XXXX for the delinquent XXXX RE taxes. After searching through their records, he did not find any other payments from BSI financial and indicated that BSI should check its records to see if the check sent in XX/XX/XXXX was cashed by XXXX XXXX XXXX and if it was to provide me with the check number so that they can confirm.
I have requested written confirmation of where the {$1100.00} deducted from our escrow account in XX/XX/XXXX went. I have sent two written requests to the tax/escrow department at BSI Financial Services once in XX/XX/XXXX and again in XXXX. I have not received a written response or any additional information from them.
|
| 07/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Re : BSi Financial. Loan # XXXX From day one of my refinancing ( I never chose them but I've ended up with them ) there are major shady things happening. First payment was XX/XX/2022. I setup my mortgage payment on auto pay via my bank 's checking account in this XXXX, 2022.
When I say I emailed them about it I also have screencast videos to prove all that.
XXXX. They don't have any option on their website within my mortgage account to control or set my privacy settings.
I emailed them about it couple months ago but no answer.
XXXX. There is no way to set up two step verification for security. I emailed them about it but they are not responding.
XXXX. They are not reporting my payments to credit report agencies. XXXX, XXXX, and XXXX are not seeing nor showing my mortgage with BSI Financial. As if invisible. No mention of my mortgage whatsoever.
XXXX. In XX/XX/2022, i setup the auto pay for bi weekly payments. They sent confirmation letter on XX/XX/2022 ( attached ) and I also have video evidence of my settings etc.
BSi, switched to one monthly payment against my will and opposite of my confirmed settings. It also appears that one payment wasn't made.
I called BSI ( recorded conversation ) in XXXX to complain and demand they switch back to biweekly payments.
Person on the phone said they have that fixed and they will email me with confirmation. Month later it's not fixed and no emails or letters from BSi received.
I contacted BSI again via my online mortgage account : XX/XX/2022, I sent them an email ( video evidence on file ) from within my online BSi mortgage account.
I've demanded that they make my mortgage payments bi-weekly per my settings and I've requested confirmation response in writing via email or US mail. No response. I also requested that they report my correct payments to credit agencies. No response. I also requested that they let me know where can I edit my privacy settings and if they have a way to activate 2FA ( two factor verification ) for login to my BSi account for security. No answer.
Quick search online and their reviews are horrific.
I am very concerned about my reputation and credits score that is likely being sabotaged by BSi Financial aka Servis One Inc.
Please let me know if you would like to see the videos and let me know what I can do to make them stop the sabotage. It's a major sabotage of my time and health in addition to credit and reputation.
I've already sent this videos to BSI but I received no response from them.
They are ignoring me. Hence, I have no choice but to file the complaint.
https : XXXX https : XXXX https : XXXX XXXX XXXX
|
| 09/27/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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MY MORTAGE COMPANY CHANGED MY INTEREST RATE FROM 6.75 % to 18 %!
MY MONTHLY PAYMENT WENT FROM {$3800.00} TO {$8900.00} MORE THAN DOUBLING MY PAYMENT.
They say it was in the contract that I signed at closing but if it was, it was some very fine print.
I was lied to from the beginning. At the closing, I needed more money than I thought I would and I was worried about it but the lawyer said " don't worry, now you don't have to make a payment for 2 months ''. 2 days later I got a letter in the mail saying my first payment was due in less than 3 weeks. That payment was late but not more than 30 days.
In the 12 months I have had this loan, They have changed servicers 4 times. Every time, they give me little to no notice. Each servicer handles the payments differently. One only takes payments online while the next takes them over the phone. The next will only take 1 lump sum when the last one would let me make more than one payment during the month to get it paid in smaller chunks. I never know the rules and sometimes I don't know who I am paying.
At one point I had made my payment over the phone with the servicer and paid what they said had to be paid and the next month I was told that the last months payment was being held up because I hadn't paid the late fee associated with that last month so it looked like the payment was 2 months late when it wasn't. Then the next month on the phone the servicer ( a different person, same company ) told me that late fees are all saved until the end of the loan.
THE KICKER : Last week ( XX/XX/2023 ) I was told that my payment went up because I got my interest rate changed to 18 % BUT... if I can pay XXXX 's payment by the XXXX they will bring my interest rate back down to where it was. It seems like extortion to me and I don't like it. I don't understand how this can be legal. I don't want them to foreclose on me but brining my interest rate up so high is ridiculous. If I was having a hard time paying it before how can they expect me to pay it now. I feel like it's just a way for them to lead me into foreclosure because I have a good amount of equity.
The last time I spoke to my servicer and they told me about the increase I told them that on the website it says " click here if you need help paying '' so could I ask for a forbearance or something like that and he said you can ask but they are going to say no right away! Why do they have the button if they aren't going to help you? So I said I will try to refinance and he said the 5 % prepayment penalty and the bad reports to the credit bureau are going to make that impossible. I'm XXXX
|
| 10/06/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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OK - I sold and closed on a house I was flipping on XX/XX/XXXX.
The company, BSI Financial Services, withheld {$8200.00} for insurance it said it purchased for the house when mine lapsed. I have asked for proof of this insurance with dates it was obtained and premium paid as there would be a refund due for at very least some 5 months. They have ignored my, and my attorney 's requests. Furthermore they have made no refund to date.
The company was problematic in facilitating closing not providing timely payoff documents when requested and when they did, they were inaccurate.
Then they suddenly decided to add {$4800.00} for Foreclosure legal fees to the Pay Off amount to be paid to them. I challenged this demanding an accounting of what this was they were charging me for as the property had not entered into foreclosure and was under contract at the time they came up with this number. In response they sent back a screenshot of XXXX lines of text. XXXX line was for {$2800.00} for Foreclosure proceedings and the other was for {$2000.00} " Anticipated '' Filing fee. I demanded a breakdown from their attorney as I know this was all fabricated. I also pointed out that the {$2000.00} " anticipated '' filing fee should in any case not be there as we were 5 days from closing, not to mention that it doesn't cost {$2000.00} to file.
They sent me a copy of their lawyer 's invoice dated the same date that I demanded it with a charge for {$1400.00} listed as a " XXXX up '' fee with XXXX hours billed. The " set up '' fee was also incurred AFTER I demanded proof.
Note that the {$1400.00} is a far cry from the {$4800.00} they originally attempted to get from me. My assumption is that having been busted, they asked their attorney to cover their XXXX by invoicing something that would never be paid just to have a temporary paper trail to facilitate getting the extra cash out of the escrow.
Additionally they made the pay off for a day after escrow was due to close so they owe me an additional {$240.00} for the extra day of interest paid but not incurred.
I originally got my loan through a company called XXXX that Flip who tried in vain to mediate. They informed me that they no longer use BSI for this reason.
NOTE : BSI Financial Services was already sited and fined over {$200000.00} for violations in XXXX by the CFPB for basically doing the same things to others as they are doing to me. Vague and creative accounting, non communication, and withholding money they are not due.
As neither myself nor my attorney has been able to get a response from XXXX, I turn to you for help.
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| 05/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have been trying to refinance my home from BSI. Previously, we had to settle out of court because of their lost their summary judgment in court back in XX/XX/XXXX. In the agreement, I was to be able to refinance the home anytime without any prepayment penalty. The first time I tried to refinance, BSI told the XXXX XXXX XXXX XXXX that I was XXXX. This was a lie. BSI never corrected this with the XXXX. Fat forward almost XXXXhree years later, I am trying to refinance through my local bank, XXXX XXXX XXXX XXXX. I was able to go online to acquire my payoff through the online services. As of XXXX BSI has stop allowing me to get my payoff through the online system. Their attorney contacted my attorney and told my attorney that I would have to go through him to get a payoff. On XX/XX/XXXX,, my attorney contacted their attorney in writing requesting a payoff. This was the first time requesting it. BSI has failed to provide my payoff still. The mortgage company and title company requested the payoff as well. BSI lied and told the title company they faxed it. The title company stated they have not received it and have never seen a mortgage company conduct business like this. I have tried calling BSI and now they say its a desist and cease on the account and I can not get a payoff until legal gets involved. My attorney had requested another payoff on XX/XX/XXXX. BSI still elects not to send me a payoff. BSI like the first time are trying to keep me in this bad loan. Additionally, BSI has reported at the end of this month that I owe over {$500000.00} on my home. This is incorrect. This is another tactic they used in my opinion to lower my score whereas I can not refinance my loan. By increasing the amount owed to what the purchase price is hurts your credit. I am quite aware BSI knows this as well. Because of their actions, my credit score dropped XXXX points on all major bureaus. I went online to look at the balance and it is showing {$250000.00} as the principal balance. This was the same amount that was being reported to the credit bureaus the month prior. From XX/XX/XXXX to XX/XX/XXXX my balance owed increased almost over {$250000.00} on all major issued. BSI Financial are using " predatory '' tactics to keep me in a bad loan. They are refusing me to refinance by not giving me the payoff. This is a payoff that has been requested twice. Once in XX/XX/XXXX and secondly, XX/XX/XXXX. My attorney contacted their attorney and still nothing has been produced. BSI is aware that I am trying to close but, refuses to assist as they are obligated to as a mortgage provider
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| 01/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage is serviced by BSI Financial Services.
I purchased my home in XX/XX/XXXX. The home was very outdated. I had since then added significant value to the home through numerous renovation projects. The home was refinanced to have a lower interest rate in XXXX ( approx. ) XXXX without an appraisal due to high demand in the area. Later the loan was purchased by BSI Financial Services from the original company.
I contacted BSI Financial Services in XX/XX/XXXX expressing interests in removing the PMI ( Private Mortgage Insurance ) on the mortgage. BSI Financial Services customer support instructed me to get an appraisal and they can then process the request. I found it strange that I had to do this myself since as a general rule, the appraisal should be initiated by the mortgage servicing company. So I called later in XXXX again to double check this process. I again was told that all I need is an appraisal letter.
So I worked with a local appraisal company to get the property appraised. The LTV ( loan to value ) ratio is indeed less than 78 %, which means the mortgage should be eligible to have PMI removed.
I contacted BSI Financial Services again early XX/XX/XXXX. I was told to submit a written request with my signature that indicates I would like to remove the PMI on the loan. I did this shortly after the call.
I had received the 'decision ' letter from BSI Financial Services rejecting the request to remove PMI on the loan. Reason being 'The origination date of your loan is less than two years '.
As I did my research and read through articles on CFPB, according to the Homeowners Protection Act, the requirement of removing PMI is as bellow : 1. Your request must be in writing.
2. You must have a good payment history and be current on your payments.
3. Your lender may require you to certify that there are no junior liens ( such as a second mortgage ) on your home.
4. Your lender can also require you to provide evidence ( for example, an appraisal ) that the value of your property hasnt declined below the original value of the home. If the value of your home has decreased below the original value, you may not be able to cancel PMI at this time.
I can confirm that I have fulfilled all the above requirement. And the 'seasoning ' requirement should not prevent me from removing my PMI based on this article : https : //www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/ Please let me know if there's anything else I can do to successfully remove the PMI on my mortgage.
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| 04/06/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I already put a complaint in but nothing got fixed. Ill start from the beginning.
In XX/XX/2020 we bought our first home with a VA loan through XXXX XXXX. We had them for a couple of months and then our loan go switched over to XXXX XXXX. I was XXXX in XXXX due to COVID and we had to apply to get us through for a couple of months until I found work again we made our XXXX and XXXX payments, and asked for XXXX, XXXX, and XXXX off, and returned to making our payments. Everything was fine. We were then sold off to BSI Financial. They instantly starting sending us forclosure messages and saying we owed them thousands of dollars, we slightly got that issue fixed but nothing has been good since. We have made our payments to them since we have been with them, they statements are all messed up, rates going up and down, there data is completely messed up saying we owe thousands in taxes one month and then a bunch in Escrow for another month, and never applying ANY of our payments towards our balance. I have looked into these people and realized this is not the first time they have done this. This company should be closed because of how they have effected so many lives and have there data completely messed up. They must not have correctly looked over the loan when they recieved it because we went back to making payments. They fixed our credit, barely, but are saying we owe them thousands of dollars still? They are stealing our money and not applying it towards anything.
I will be attaching their statements, ( that make no sense ), and our statements from our bank account that have proved we have paid. We have always paid the same roughly in our mortgage and that price should not have changed, or if it did we were never notified about it. However we speak to a person every time we pay because they wont let us pay online. ( which is extremely suspicious ) We would really like to get out of this situation and see BSI shut down. I know this is effecting other people, and they have already been in trouble for very similar situations. How are they allowed to do this.
They are currently saying we need to pay them {$23000.00} They also send us a loan modification for {$8000.00} dollars more then we even paid for the house!
We have been making payments every month, for 2 years besides the three with XXXX that got pushed back to the end of the term. It looks like we havent paid anything on our mortgage since we got it. This also means they have not looked at XXXX or XXXX XXXX to see all of our payments.
We really need CFPB help on this.
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| 12/21/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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We really need your help and intervention with my foreclosure matter. We know our house is being illegally and fraudulently stolen from us by the use of fraudulent information put forward by BSI Financial Servicing operating as POA for Plaintiff in our foreclosure case. There will be a ruling on this in XX/XX/XXXX. The enforcement action you have taken against XXXX XXXX XXXX XXXX proves they are behind the scenes of an illegal Foreclosure taken place on our home. We have been fighting a foreclosure since XXXX. The case is in XXXX XXXX Florida XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX plaintiff is now XXXX XXXX I trust which is the same entity. The originating bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX in XXXX. FDIC took over. I won the first foreclosure, and it was found at trial that XXXX XXXX XXXX XXXX XXXX couldn't provide 4 years of payment history and did not they have the Promissory Note. They refiled the Lawsuit in XXXX. I just had my second day of trial XX/XX/XXXX, and the Judge is allowing us to write our Final Judgement. I just found out about enforcement action being taken against XXXX XXXX. XXXX XXXX was the document custodian behind the scenes in the securitization of my mortgage. See SEC filing of the Master Purchase agreement.https : XXXX.
Furthermore, The FDIC set up a private portal with information pertaining to the origination of my mortgage. I have all the documents to give you. They revealed that # 2 loans were originated on the same day and the 2nd loan number had been paid in full. Plaintiff is putting forward a mortgage with the 2nd loan number on it that we never signed nor was recorded in the land records, this loan is the one the FDIC says is paid off. FDIC provided me with a copy of the original Promissory note with no endorsements. Furthermore, they have brought into the court the Promissory note with a Fake photocopy of an interest only addendum attached. This is further proof of trying to foreclose on a 2nd loan. We need your intervention in this matter. Please let me know how to give you the supporting evidence of this. We need compensation for the fraud that is being committed and should be award damages. BSI Financial Servicing is the Servicer and POA for Plaintiff in my case. They have already admitted to you one other time i filed a complaint of changing the terms of my loan before the due date. TILA violation.
We appreciate all your help in this matter.
Sincerely, XXXX and XXXX XXXX
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| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My husband and I refinanced our mortgage with XXXX XXXX XXXX. After the refinance was complete, the mortgage was transferred to XXXX XXXX for servicing. Having made 3 payments ( on time ) to XXXX, I was completely frustrated to receive a letter dated XX/XX/XXXX that my home owner 's insurance policy had expired. The letter stated that they would be " buying '' insurance for us. To the best of my knowledge the insurance information provided to XXXX XXXX XXXX when the refinance was completed should have been transferred with the loan. I contacted XXXX XXXX on XX/XX/XXXX and was told that a payment had been made for our home owners ' insurance but no one could provide me with a check number to confirm the payment. The representative that I spoke to told me at that time she could see that the payment had been disbursed but could not confirm where it was sent. She transferred me to XXXX in " the insurance department '' only to be told they DIDN'T have our insurance information on file. I proceeded to give her the information and the phone number to contact XXXX XXXX to make sure further billing would indeed be going to the correct address. I emailed them the information that day as well with a request of a response that the issue had been resolved. I checked our mortgage account on XX/XX/XXXX and saw that it appeared that a disbursement had taken place for insurance. On XX/XX/XXXX the payment that appeared to have been made was reversed and NO payment had been made for my home owner 's insurance policy. I contacted XXXX again on XX/XX/XXXX and spoke to XXXX and was told a check had been mailed so I asked for the check number of the disbursement. After researching, she told me she was unable to provide a check number and would have to transfer me back to customer service. After being transferred back to customer service and speaking to XXXX I was finally given a check number for the insurance disbursement. ( Ck # XXXX payable to the order of XXXX XXXX ) Having read all of the horrible reviews online for XXXX XXXX, I too want to file a complaint about the companies inability to " service '' any loan in a timely manner. I have huge concerns for my upcoming property tax bill being paid on time. It is completely unfair for a consumer to have to make sure the " loan servicing '' company is actually doing their job. If they continually fail to pay home owner 's insurance and property taxes on time I wish to have them stop escrowing our account and we will be responsible for paying our own insurance and property taxes.
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| 12/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hello- I have been diligently tracking my communications with two mortgage companies that have made the process of coming out of Covid forbearance an absolute nightmare. What was supposed to be helpful has hurt our credit, our financial ability to pursue business opportunities, obtain credit personal and/or business credit, and our families emotional well-being.
Please see the entire documented process at the XXXX XXXX link provided - ( XXXX : XXXXXXXX XXXX ) My main concern at this point in the process is that BSI Financial provided us with incorrect information in their loan modification paperwork and we agreed to something that was not accurately depicted. We were asked to continue making payments until the modification was complete. We received the paperwork on XX/XX/XXXX, and we had it signed and returned on the same day, with the understanding that the agreement was for a total payment of XXXX, as was clearly stated in the agreement. We then began making payments of {$1100.00} for the next three months, which we had to call and make through customer service. Never did a customer service representative tell us that we were making a payment that was less than what was expected of us. Only when we started getting late payment notifications did I realize something was wrong. I called customer service ( call recording in XXXX ) and they told me XXXX would need to handle it. XXXX states customer care should have been helping me.
In addition to the incorrect modification paperwork, there is some blatant and hurtful disconnect with the non-disclosure that is being provided to a consumer that is agreeing to a loan modification. My total loan payment before the modification was {$1400.00}. Now, my payment is {$1400.00} on a XXXX loan? So I added 10 years and probably XXXX in interest ( I have no idea since I never received an amortization schedule ) to save {$10.00} a month?
I have my real estate and mortgage loan originator licenses, and I know for a fact that this stuff should not be happening. It's been terrible for my family, and it's terrible for the industry.
I don't think BSI understands the implications of the negligence of their handling of these issues. It is blatantly clear that they have significant issues with providing terrible customer service and I believe have moral and ethical issues. These issues are affecting families and providing stress beyond what is being seen on paper ... Look at all of these people being affected.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Complaint against BSI Financial Services. XXXX XXXX XXXX XXXX, XXXX, PA XXXX We are currently in an active bankruptcy. We received a notice from the BSI Finanial company stating we are in foreclosure and they are no longer excepting payments from us. I called BSI and spoke to a Mrs. XXXX who stated they had been granted a stay of relief and are foreclosing on out property back in XXXX. She refused to provide any documentation to us or our attorney. I contacted my attorney and he stated there is no stay of relief approved by the courts and continue to make our monthly payments. We sent in our XXXX and XXXX payments, both checks have been voided and returned stating we are in foreclosure.
Today XX/XX/20 I spoke with a XXXX at BSI Financial who continued to state we are in foreclosure and they have been granted a stay, through the courts .Once I pressed her to provide the legal documentation in regards to the stay of relief to myself and my attorney she back tracked and stated that the had not been granted a stay as of yet. I informed her that BSI has been violating the law by using false information and misrepresenting the situation to illegally bully us into a foreclosure during an active bankruptcy. At no point have we sent in a late payment to this company. In no way have we violated our end of this contract. I attached all documentation we have received from BSI.
-Voicemails are not returned, once get in contact with the person handling your account they state they are looking into it and never get back to you.
-BSI cashed and processing all checks received, often times 2 months after they were sent. They also stated they did not receive a payment even though I provided tracking information from XXXX stating they received the payment. They also refused auto pay for our account. So we had to continue to send in checks with no statements taking up to 2 weeks to process.
-Refusing to provide monthly statements, Attorney provided authorization 5 times to send statements directly to our address.
-Not disbursing escrow payments to homeowners insurance on time. Received cancellation notice for homeowners insurance company.
-Disbursing property taxes once in delinquent status, request made at 2 different times to disburse tax payment from our escrow account, due in XXXX they were finally paid in XXXX.
-Receiving collection calls from day one when our loan was sold to them stating we owed back payments for {$17000.00} that were already being paid by our trust as part of the bankruptcy.
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| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear XXXX, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX.
What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee.
The Role of XXXX XXXX XXXX XXXX XXXX XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the XXXXervicer.
The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer.
What authority if any does XXXX, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement.
Please advise.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
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| 01/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hi, I am not sure where to go next with an issue with my mortgage service company ( BSI Financial ). I am looking for help who to contact next and what to do.
I am encountered several issues. My current issue is that BSI is charging me a late fee of {$58.00}. The reason for this that they did not cash the check sent to them which is on auto pay with XXXX.
XXXX sent out check on XXXX - However, BSI on cashed in on XXXX.
XXXX ( Recurring ) bsi Interest Checking- {$1.00}, XXXX Bill Payment : Check Cleared on XX/XX/XXXX Therefore, BSI posted a late fee of {$58.00}. BSI claims the issue is on my side which I don't believe. XXXX has been very reliable.
I called BSI and they told me that they would request a waiver ( not sure why customer service could not waive ... ). However, they told me they do it only once a year. I did already have a late fee not to my vault. I already worked with them on another issue with wrong escrow charges. The last call is now two weeks back, and they did not waive the late fee.
Some background : I refinanced my mortgage with XXXX in XXXX of XXXX. The mortgage got transferred to BSI Financial. At the beginning I had no issues. But out of the blue I got past-due notices. It turns out they paid my property tax. However, my mortgage is a no-escrow. So, they dis not charge me monthly for escrow. However, they debited my account and as a result told me I am past-due as I only paid regular mortgage payments. XXXX county refunded BSI automatically as they noticed that they got overpaid as I made the property tax payment earlier myself. You would think the issue would then resolve itself. But no. BSI did not credit my account for the refund from XXXX county.
I then enter the phase of calling, being promised things are resolved etc. Trying to get in touch with somebody is nearly impossible.
After several interactions I did not know what to do next. I filled a complaint with XXXX However, this did not lead to a resolution. I got letters from " BSI Financial '' telling me that the issue is resolved. I also had more calls where I was promised the issue is resolved. Well, just today I got an other past-due notice. Calling them is nearly impossible, it takes several hours of effort to get in touch with them. I also have a job ....
This has been dragging on for months. I never encountered a situation that couldn't be resolved.
I don't know what to do next ....
Also, XXXX " BSI Financial '' tells me I am not alone.
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| 03/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I contacted my mortgage company, BSI financial regarding my supplemental taxes. I was told that since there was enough money in my escrow account, they would be able to pay them on my behalf through my escrow account. I was asked to email a copy ( attached ) of the tax bill to the company and told that they would be able to pay it by the due date of XX/XX/XXXX since the process only takes 3-5 business days. The supplemental taxes were not paid on time. I then contacted BSI financial and was told their accounting department did have the request, they were working on it and any fees related to the payment being late would be covered by them since it was there error. I then followed up with the company every 2 weeks to follow up on the payment being issued. I was always told that they have the request, they are working on it and they will cover the late fees. I was also told several times that agent XXXX XXXX XXXX would call me back, or a supervisor would return my call regarding the status and no one ever called me. On XX/XX/XXXX the company did a escrow analysis and issued a check to me for {$7600.00} instead of paying the supplemental taxes. I called and spoke with an agent XXXX XXXX XXXX who said that the company was not responsible for paying supplemental taxes and there wasnt enough money in my account to issue the payments. I explained that there was enough money in the account before they conducted the escrow analysis and issued me a refund. She stated she would speak with the tax department and get back to me. She never returned my call. I then spoke with a supervisor XXXX XXXX XXXX who told me the issue would be fixed and they would cancel the analysis check, pay the supplemental taxes and pay the fees. On XX/XX/XXXX the company paid the supplemental taxes and fees using money from my escrow account. Despite the fact that every agent I spoke with told me the company would pay for the late fees since it was their error. I have also received a letter stating they are reducing my mortgage payment to account for excess escrow funds. This is wrong. My mortgage payment was the correct amount to pay the taxes after they are reassessed from the purchase of the home. It is unclear to me why BSI financial does not understand that the taxes were reassessed and are higher. This company has completely messed up my escrow account at this point and no representative or supervisor is able to assist me.
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| 09/29/2022 |
Yes |
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- Trouble during payment process
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Web |
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Hi- I would like to file a compliant to BSI Mortgage, I made a full payment in XXXX and they decided to take money out the XXXX payment to cover XXXX payment. I made my first payment in XXXX on XXXX and then the company tried to take out a payment on XX/XX/XXXX, I had then called them and ask them to reverse the payment because it was not going to clear, so I asked them to take the payment on XX/XX/XXXX. In return they tried to take another payment on XX/XX/XXXX without my permission because per the phone call I asked for it to be taken out the XXXX. The decided to add {$540.00} back into my account which I was unaware of since the bank had already notified them that my payment would not go through. Since this was happening I had no idea that they took a payment from XXXX to cover XXXX because they said they gave me money and I owed them when the bank had already reversed the payment. From that point on I have made my full XXXX payment and my full XXXX payment and have proof of this.This all goes back to my XXXX payment with out them telling me they were doing that. I believe that if something like that happens they should notify the borrower but also never take money out a payment that has already been. Every time I call them they will not give me any number to any VP 's to handle this matter. I then in return got on to XXXX and got some numbers for the VP 's and called them since it was public record. I was told that I was not allowed to call anyone them on cell phones and it was per your polices. If the numbers are public record then I am not sure that is the case. I was also told that I was not allowed to talk to anyone else in the company and he informed all 46 customer service agents that they couldn't not talk to me. When I had the last conversation with them I asked if I needed to get a lawyer and not that " I not that I had a lawyer '' I was treated with disrespect by the one the VP that I had called yesterday and he basically scolded me for getting in touch with the other VP 's. To treat a customer like that is not ok and I felt threaten. I have been dealing with this since for awhile and every time I called they said the would escalated and then I wouldn't get a call back and I would have to call them. This poor treatment from a company is not ok since I have never been late on any mortgage payments until they did what they did. I feel like the made me feel like and XXXX and talked down to me.
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| 09/17/2020 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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In preparation to close on XX/XX/2020, I was asked for a Loan Pay Off Statement. I called XXXX XXXX, which is who was the original name on the loan and was then notified that the loan was transferred over to BSI Financial. Once I was connected to BSI Financial, they sent over payoff statement showing that there would be a {$15000.00} extension fee which included a {$300.00} inspection fee, and a {$2200.00} escrow charge for taxes and insurance. I already paid the insurance, so I do not understand the charge.
I called BSI to ask about the two above charges and they were very rude telling me that in the small print it states that there may be an extension charge. They would not answer nor discuss any thing with me. When I asked for them to send the paperwork on where I signed for an extension, they sent over someone elses paperwork. This shows me that they typically have paperwork for extensions. They never had me sign nor even discussed with me about an extension.
The said the loan was due at the beginning of XXXX some time. I did not receive any documentation stating that the loan was due. Nor did I receive any documentation about extending the loan nor agreeing to any fees. I was not given the opportunity to see what other actions I could have taken without being hit with a {$15000.00} fee! In XXXX I did receive a call asking me if they wanted me to take the loan payments out of my account. They stated at the closing that was me giving them authorization to extend the loan. No where on that call did she state that by me giving them authorization to take the money out of my account meant that I was agreeing to be charged an extension fee OR that I was even extending the loan.
Attached are all the documents that I have pertaining to the loan via me and XXXX XXXX/BSI Financial. In the original documents received from XXXX XXXX it stated that I would receive written notice. I do not understand how a financial institution can charge a large fee without having anything in writing. All extension with their other clients appears to be in writing giving them authorization to extend the loan. ( A sample is attached that was accidentally sent to me from BSI ... they were telling me that I signed an extension. When I received it, I realized that it did not belong to me and they had it filed under my account. ) I was not granted the same opportunity as this other person ... .to sign and agree to the extension.
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| 05/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I sent in a handwritten request ( attached XXXX ) to BSI Financial to have PMI removed from my loan because I had fulfilled all the requirements as outlined by my contract and by XXXX XXXX to have PMI removed. I had reached the 80 % LTV ratio and was current on my payments. The loan balance on the date the request was sent in was $ XXXX original purchase price in XX/XX/XXXX was {$250000.00} ( see XXXX ), the original appraisal was at {$260000.00} ( see XXXX ), and the original loan amount was {$230000.00}.
The Private Mortgage Insurance Disclosure ( see PMI XXXX ) of my contract states that " You have the right to request that PMI be canceled on or after the following dates : [ ... ] The date the principal balance actually reaches 80 % of the original value of the property based solely on your actual loan payments.
" 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time the loan was closed. '' Additionally, since my loan is a XXXX XXXX loan, the XXXX XXXX servicing guide ( XXXX XXXX XXXXXXXX ) Section B-8.1.-04 states for " borrower-initiated termination of conventional mortgage insurance based on the original value of the property [ ... ] if the mortgage loan is secured by [ ... ] a one-unit principal residence [ ... ] then the LTV ratio eligibility is met on the date the mortgage loan balance is first scheduled to reach 80 % ( or actually reaches 80 % ) of the original value of the property. '' Given the definitions of original value and LTV ratio outlined both in my mortgage and by XXXX XXXX, my LTV ratio on XX/XX/XXXX would be 78 % ( $ XXXX {$250000.00} ) - the loan amount divided by the original contract sales price of the property.
One month later, I received notice that my request to have PMI removed was denied on the basis that the principal balance had not reached 80 %. In talking with representatives at BSI Financial, it turns out that they were using the original loan amount of {$230000.00} instead of the original contract sales price of the property of {$250000.00}. I have since had several back and forth phone communications with BSI Financial, and they continue to use the original loan amount despite having sent to them what it says both in my mortgage contract and in the XXXX XXXX servicing guide. They refuse to acknowledge both my contract and the XXXX XXXX guidelines.
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| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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XXXX, XXXX.
To Whom it my Concern.
At XXXX XXXX XXXX XXXX XXXX XXXX with residency at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Driver license XXXX XXXX XXXX XXXX XXXX Florida State.
To be on my situation is necessary to count with your valuable help in order to communicate the mortgage company as soon as possible in regard the negligence they been acting in my reputation and negative report on my credit.
My mortgage payment was in default since XX/XX/XXXX, at that time I was assigned to be working outside the country.The mortgage was sold to XXXX XXXX and the Automated payment was not transferred to them, and I was not aware of it until they send a sherif notice and my neighbor communicated with me.As soon as I knew it I came to the country and I paid all late payments and fees that the new mortgaged company requested me, and not matter that they reported me and after many requested from me through a good will letter to them to deleted it, it had not been posible.
What happened in this case my old mortgage company XXXX XXXX, XXXX obligation # XXXX sold this loan to BSI Financial Services without transferred the Automated payment that it was previously settled with them so it was to confused, till BSI started legal action in this regard.
On my side I took the corrected action contacting BSI, at the same time with their Law Firm in order to put my loan currently, paying legal fees and interest due to the late payments.
Now BSI sold my loan again, XXXX XXXX loan # XXXX at this time I was notified with time to comply with this obligation. My loan at this time is agehad on payments till this coming XXXX.
BSI Financial Services has been so neglected in regard with negative report to a different credit report agencies, in my many calls I been requested to take out this negative action on my credit report, but up to this date the negative report still.
Please help me out in this matter, the problem still going on, I need help my sister with my good credit in order to get a loan to buy her house for your help and understanding in this matter I express my thanks.
Please request BSI Financial Services to send a physical report saying my name is free and clear for any negative report or obligations with that institution.But it needs to be deleted from my report because if not I can not to do any finantial negotiation.
XXXX XXXX XXXX Electronically signed
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| 03/12/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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The 3 Major Credit Bureaus list me as NOT having a mortgage although, I have submitted supporting documentation demonstrating that I indeed have a Mortgage. The mortgage was transferred from XX/XX/XXXX ( XXXX ) to BSI Financial Services and Partial VA Claim Form clearing a Forbearance that was registered in XX/XX/XXXX was approved.The VA Partial Claim indicates that the amount of the Forbearance is to be added to the current end of my mortgages maturity date and that my mortgage is NOW Current and that I didn't have a payment until XX/XX/XXXX under the new agreement. However, I continued making Loan Payments first to XXXX from XX/XX/XXXX to XX/XX/XXXX and then BSI Financial from XX/XX/XXXX until today XX/XX/XXXX. Loan Payments weren't required under the VA Claim until XX/XX/XXXX, I have continued to make my Mortgage Payments, since telling XXXX that I wanted to end the Forbearance in XXXX. My credit score has been negatively impacted by this. I have contacted leadership at BSI Financial twice asking that they intervene. Both times via email. I have requested that BSI Financial, please reflect the fact that I have a Mortgage with the Credit Bureaus, most recently with an email on XX/XX/XXXX at XXXX EST. All of the information within the Document Center of the BSI Financial online portal is NEGATIVE and none of it recognizes the VA Claim, the new Mortgage with an end date of XX/XX/XXXX. I am barred from electronic payments. I consistently receive statements saying that I owe {$32000.00} due immediately. However in conversations with BSI Customer support I am told " everything is ok. '' They are " working through the issues ''. The " online portal will be fixed. '' and the " Credit Bureaus will be contacted '' and my " Credit Reports updated ''. However, nothing has changed in the past 3 months. There is NO Documentation from BSI Financial acknowledging the VA Partial Claim. There is NO Documentation stating that my new Loan was transferred on XX/XX/XXXX and that payments start XX/XX/XXXX. There is NO Documentation stated that the Credit Bureaus have been contacted. There is NO Documentation with any related " Disposition '' information, or Next Steps or Action Items for me. Please contact the Atty XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX mentioned in the VA Claim if there is a need to verify that the VA Claim was approved.
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| 07/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Received a letter in the mail that our home doesnt have a home insurance policy So bsi financial services added a XXXX dollar policy that they want paid off in the next XXXX months so my payments have gone up drastically even though weve had continuous home insurance coverage through our HOA since we closed on the mortgage, the previous mortgage company had this info and when they sold our mortgage to bsi back in XX/XX/XXXX they told me that I dont need to do anything and they see my policy. Fast forward to last month and I received a letter that they added a XXXX dollar policy and Ive tried sending countless times now my declarations page showing the home is indeed covered and they refuse to accept it, XX/XX/XXXX I sent an email to bsi insurance email I was given by bsi rep with my insurance declarations page attached, shortly after that email was sent I received a automated email from bsi that they received my email and it will take no more than 5 business days to get this updated, it is now XX/XX/XXXX, more than 5 business days and they tell me they havent received it and that I need to email them it again and itll again take 5 business days to take care of, I went to the website portal and tried multiple times on different dates with screen shots trying to upload the declarations page and the page has errors multiple times on different days so this isnt an isolated issue, Ive also given bsi my insurance policy info and they refuse to take it from me and contact my insurance policy they want me to get my hoa to contact them, Ive tried to set this up but they tell me they havent heard back. At this point I feel scammed and as if they are just trying to upcharge me their made up insurance policy and refusing to address this serious issue as Im doing everything on my part to take care of this issue so Im not being charged for something I dont need which is what bsi is currently doing. Ive called multiple times since XX/XX/XXXX and again today XX/XX/XXXX and the service reps havent seen anything come in yet via email even though Ive sent over XXXX emails with the attached declarations page to the email they provided me starting XX/XX/XXXX up to including today, and their insurance document website portal never works and the reps over the phone refuse to help me. I want this resolved asap as I deserve this and not to feel scammed by bsi.
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| 12/17/2021 |
Yes |
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Web |
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BSI Financial is my mortgage co. The CFPB filed suit on BSI and found them liable for mishandling of modifications, loss midigation ext. My mortgage was a XXXX XXXX loan and was heald by XXXX until XXXX while I was in the process of a Help For Homeowners Hardships Modification FHA my loan was transferred to BSI. The modifications paperwork I signed was for a FHA HARP modification however BSI has my loan currently as a Conventional Mortgage and has charged me nearly {$20000.00} in fees and processing additional interest rates even the prior foreclosure, bankruptcy, modification processing fees even late fees that were occrued before the Modification was processed and applied. Modification fees, late feels previous deliquent charges have to be figured into the new loan amount of the modification, discharged or paid prior to the Modification closing. The law suit CFPB has and settlement against BSI is exactly what BSI did to my mortgage and I have struggled and suffer financially because of this. Furthermore the mishandling and false filing of my FHA loan to a conventional loan has caused me to not be able to modify my mortgage or use the covid relief aid available to FHA mortgages because BSI fraudulently altered my mortgage and did not file and process my HARP approved modification but processed my mortgage to a conventional loan instead. At the time of my modification HARP approval my mortgage was in default for almost {$17000.00} and my credit score was XXXX also my income to debt ratio was only eligible for a hardship HARP modification and barely qualifed and would never come near a conventional loan. BSI has caused me to loose more money and equity in my home than I can honestly put a dollar amount on. I have literally only been able to pay my mortgage and utilities because of this and am unable to modify the loan now or utilise my only available savings and assets the large amount of equity I have built in my home to live and prosper in life souly due to BSI mishandling my modification from a HUD mortgage to Conventional illegal loan that I can not refinance modify and barely survive paying. Please please help me I've contacted and done everything and anything to fix this for the last 3 years since I discover BSI fraudulently changing my loan classification. BSI says nothing is wrong and I need help please
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| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased a condo in XXXX of XXXX. My initial mortgage company was XXXX XXXX XXXX. My first months payment was in XX/XX/XXXX. I made that payment on XX/XX/XXXX. After that payment was processed ( I can send my XXXX XXXX bank statements ) my loan was transferred to BSI financial. I set up a reoccurring payment for the first of every month. I got a phone call from BSI stating they are missing my XX/XX/XXXX payment. I informed them that I made that payment to my first mortgage company XXXX XXXX XXXX The assured me this was fine, & XXXX XXXX XXXX has 60 days to show proof of that payment. So I figured, great they will show proof of payment & this will be handled. 60 days has long passed. It is now XXXX of XXXX. Every single month BSI Financial called me saying my mortgage was 1 month late. I have a payment processed on the first of each month. But since that first XXXX payment hasn't been processed XXXX thinks I am paying off the previous month on the 1st. I spent literally weeks calling XXXX XXXX XXXX to get this handled. No answer. Emails, phone calls, messages left, still nothing. I tried everything I could think of. Then I contacted my lender/realtor. They reached out to XXXX XXXX XXXX & got it handled. Or so I thought. My complaint is to XXXX XXXX XXXX & BSI Financial. My credit score has taken a complete nose dive. My credit was excellent before this whole debacle. BSI has ASSURED me multiple times that my credit will get fixed. It still hasn't. They assured me they would get the XX/XX/XXXX payment handled. They still haven't. They assured me I wouldn't get any more phone calls for late payments, they still haven't. I have sent proof of my XX/XX/XXXX payment from my bank statement to both BSI & XXXX XXXX XXXX, still nothing. I sent BSI correspondence between myself, my lender, & XXXX XXXX XXXX stating that this was handled, it still hasn't been. I got the number of a supervisor from BSI. XXXX XXXX XXXX. They are both supervisors at BSI. The first & only time I talked to XXXX she assured me this problem with my credit & XX/XX/XXXX payment would be handled the NEXT DAY. It is now 3-4 weeks later. I haven't received a phone call back yet. I am now calling XXXX every ten minutes until she answers or calls me back. She has not answered me once. After I finish typing this complaint I will call her again.
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| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This all started approx. 3 months ago. Bsi financial sent in an escrow payment to my insurance agency. They included multiple other people 's policy payments in the payment to them. The insurance company issued a refund to me which I then mailed back to bsi to put in my escrow. I then recieved a bill from the insurance company trying to get the money back. I contacted bsi financial. They then proceeded to pull the money from my escrow account stating that it wasnt my money to start with which I get but the insurance company still is billing me for the money they sent back. After numerous phone calls they said things were handled. They were not. They also reversed a mortgage payment that was made and then sent me collection notices. Finally they found the payment that was made on time and not late but they put it in for the date they found it. Since they found it after the due date they reported to the credit bureau that it was 30 days late which dropped my credit score a lot. I then recieved my monthly statement yesterday stating that I didnt pay last months premium. Which I did and they were able to find that but I also now see that they pulled over 2000 dollars out of my escrow to pay the insurance company. They already pulled the XXXX I sent them out. Currently I have never been late on a payment and it appears they are trying to make me pay for other people 's insurance. Also was notified from my insurance agent that the insurance company still has me listed as getting dropped due to no payment of the money they sent me by mistake.
Basically I always have paid my Bill 's on time and it looks like for doing that it will cost me at least an additional XXXX dollars out of my pocket, a major hit on my credit report and I will have to pay out of pocket to get new insurance for my property if I get dropped.
Pretty sure when you sign an agreement with a company both ends have to hold up there end. I've done my part to the fullest neither the mortgage lender or the insurance company have lived up to their end. I know breach of contract is a thing and both companies meet every item for that offense.
The amount of money it has cost me by the countless hours on the phone with them is not something I can make up.
All I did was try to do the right thing and now all I get is XXXX.
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| 10/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI has been a nightmare to work with. They never return phone calls, the customer care department can't even send out e-mails. When I inquire about what they need from me to fix a problem, I have asked for the needed documents to be sent via e-mail. They tell me they can not email me.
Every person I have spoken to has given me the same response ; " I will be escalating this to a higher degree to have this resolved for you. I am fully committed to taking care of this problem! '' Guess what, I NEVER HEAR BACK. Nothing get 's taken care of and my problems still exist.
It is going on 3 months of dealing with this company to fix my issues, that do not stem from me. It's lack of communication on their end. Each person I talk to shoves my problem ( s ) off to someone else. Then I have to wait for them to call me, which never happens. I place
a call in again and have to start all over explaining what the issue is. And that's a repetitive cycle. OVER AND OVER AGAIN. I have spoken to over 5 different people explaining my issue. Over 5 different people have given me the same resolution ... NONE! NO RESOLUTION! Currently, my online account says I am delinquent in my monthly payment. However, I have sent in e-mail proof of a written check ( dated ) and confirmation of withdrawal from my bank account, paying the mortgage. BSI has not credited my account! I have received calls
from debt collection asking if I " PLAN ON MAKING MY PAYMENT ''. I HAVE ALREADY PAID, AND I HAVE EMAILED BSI PROOF OF PAYMENT!!
When I try to speak with a supervisor, oh, apparently they can not be contacted. A request has to be submitted for them to call you back. GOOD LUCK HEARING BACK!
If i could, I would withdraw from BSI Financial Services. I want nothing to do with this horrendous company. And there is nobody who will help me.
On XX/XX/20, I called BSI once again to resolve the issue. The " CUSTOMER CARE '' individual told me, once again, " I will escalate this to the next level and you will receive a phone call before XXXX ( XX/XX/20 Eastern time ) to speak with someone about this issue. '' I bet you can guess what happened next. NO PHONE CALL!!!!!!!!!!! DISGUSTING!!
There is not enough time for me to explain all the issues with this company. My recommendation to you, if being transferred to BSI, BACK OUT!
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| 04/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I paid into my escrow account monthly so that my Home Owner 's Insurance would be paid " hassle free '' every year by my mortgage company.
On XX/XX/XXXX BSI Financial wrote and mailed a check to XXXX XXXX XXXXXXXX XXXX for XXXX. I assumed the check paid the annual premium and all would be well.
I checked my Escrow balance and the XXXX had indeed been deducted, so again, I reasoned that the Insurance Premium had been paid.
XX/XX/XXXX, I received a notice of non payment from XXXX. So, I called BSI who said the check had accidentally been sent to the wrong department, but would be reissued promptly.
XX/XX/XXXX, I received another notice of non payment from XXXX. Again I called BSI who assured me the check was on the way.
XXXX agreed to keep the policy active while waiting for the check.
BSI kept insisting the check had been cashed. I asked for a front and back copy of the cashed check to provide to XXXX ( this request was initially denied ) Inevitably, XX/XX/XXXX my insurance agent informed me that my homeowner 's insurance policy had been cancelled due to nonpayment.
I called BSI Financial who provided a check # XXXX showing that the check was paid. The ball pings back to XXXX. I call XXXX and provide the check details and the front and back check copy. XXXX informs me that they never received the check. XXXX 's endorsement stamp is not signed on the back of the check. Someone wrote their name on the back of the check. So the ball pings back to BSI. I called and asked BSI to investigate who's bank account the funds went to and to please help me recover the missing funds. ( Obviously, I did not write a personal check, so I have no authority to call BSI 's bank and report a fraudulent check and request the funds to be recovered. ) BSI insists that XXXX is responsible because BSI mailed the check to XXXX. XXXX XXXX, also points out that the check has no notes in the memo section to include a policy number or policy holder name. The check looks very shady. XXXX insists they never received, much less cashed, the check. Now, BSI has the responsibility to follow up and ask the bank to recover the funds if the check was fraudulently cashed. I am stuck in the middle. I now have $ XXXX missing from my escrow account and a cancelled home owner 's insurance policy.
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| 08/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage was sold to BSI. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, BSI continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX BSI representative XXXX XXXX sent a letter that stated " BSI has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the BSI account was indeed current ''. since that time we have been trying to get BSI to correct late payment notices they posted earlier in XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. BSI sent reports to the credit reporting agencies that each of our first 6 payments to BSI were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay BSI anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared BSI 's bank that very same month, with no additional monies were sent to BSI ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX 's check ( received in XX/XX/XXXX, cleared by BSI XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.
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| 07/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Our loan was acquired by BSI as of XX/XX/2022. Prior to being acquired by BSI we were in the process of going through Loan Modification from COVID relief. The loan modification was almost complete when our loan was sold to BSI. When BSI acquired the loan we were advised that the modification process was completed, however it appears the process has started all over agin. Since XX/XX/2022 our loan has been reporting as more than 300 days late. This was corrected in XXXX when BSI was advised once again of the inaccurate reporting. At that point payments were being made on the account however we were advised that the payments could not be applied towards the loan. We were told by several representatives that we did not need to make payments as the loan modification process was still ongoing and we were still in forbearance. All documentation was sent to BSI as requested to complete the modification process, and were confirmed as received. We have been advised that the credit was in fact reporting incorrectly but that it would be updated. This was as recently as XX/XX/XXXX. AS of XX/XX/XXXX the report is now reflecting that we are {$17000.00} past due. This has caused a significant drop in our credit scores with all three major credit bureaus. According to BSIs mortgage portal we are 330 days past due. They are reporting to the credit bureaus that we are 180 plus days past due. Both of which are discrepancies. According to their site as well our modification is complete. We were told that the VA was giving approximately {$16000.00} to bring the loan current. We have tried to remedy this with multiple different reps with BSI on many different occasions. We have been met with nothing more than rude, condescending agents with attitudes. They are not willing to listen or assist with the issue. We have been told different things by different reps but no one has been actually willing to assist in getting the situation remedied with the exception of XXXX XXXX who we have tried to speak with again but the reps are unwilling to include her in these complaints. Due to the experience that we have had with them, we are shopping for a new mortgage company. However the negative impacts to our credit from the inaccurate reporting is making this far more complicated.
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| 02/11/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XXXX XX/XX/XXXX I received a Property Tax Delinquent Notice, I called my mortgage company BSI Financial Services and was informed that a tax disbursement should have been made in XXXX of 2020 but was not and was then told that an expedited request had been submitted to resolve the issue. Fri morning XX/XX/XXXX I called XXXX XXXX Tax Office ( NC ) to let them know what had happened. They told me that BSI Financial Services would be responsible for the interest also. I then called BSI and was told that yes they would pay the interest, I was also informed that my taxes should be payed by Monday XX/XX/XXXX.
I called BSI again on Tue XX/XX/XXXX and was told that my case was still under review and that it could take up to 3 to 5 business days to complete, I told them this was not acceptable as the deadline to have the payment made is the XXXX of XXXX. The last person I spoke with named XXXX told me that she would call me today ( XX/XX/XXXX ) and let me know what was going on. As of XXXX there was no call from XXXX, so I called them ( BSI ) again. Once again being told that they were " talking '' to the people in the Tax department, then was told that my Property taxes we're not late ( yet I have a delinquent letter in my hand ). The response I Kept hearing was " it's still under review, or we're working on it ''. Mind you the deadline is Fri XX/XX/XXXX. I was told that I would get a call back within an hour which would be around XXXX EST. I called BSI back around XXXX EST and the lady told me that a disbursement was made on XX/XX/XXXX in which I corrected her. Was then connected to the lady I spoke with earlier and was told to give her until tomorrow morning ( XX/XX/XXXX ), I told her that was unacceptable to which her response was that " all managers had gone for the day ''. So here we are XXXX EST on XX/XX/XXXX and my property taxes are still NOT paid, and a deadline of XX/XX/XXXX.
I told her that she has until noon tomorrow ( XX/XX/XXXX ) or I will pay the taxes myself and seek restitution via legal action. There are currently 98 NEGATIVE reviews on this company with the latest one also involving non payment of property taxes.
My 2020 property taxes were due in XXXX of 2020 for XXXX plus interest of XXXX for a total of XXXX.
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| 05/01/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I'm currently in XXXX XXXX bankruptcy. In XXXX of XXXX my servicing company BSI Financial submitted a letter to my attorney and the trustee claiming that I had arrears in the amount of {$3500.00}. They were unable to explain where the arrears came from since the loan had transferred from XXXX to BSI. I paid {$4500.00} which was the arrears plus my payment for that month. After that the company claimed that i still owned them additional backpay. I called several times and spoke to my account manager XXXX. She was unable to tell me why i owed additional money and said that she would order a payment history ( which i was told usually takes 24 hours ) then never contacted me back. I contacted them again and she told me it looked like the funds were not applied but were with their legal department. I was not contacted again and have since made every monthly payment on time. I since have sold my house and went to get a new mortgage loan. Upon applying for the new loan BSI financial said i've made every single payment late and that i was 1 month behind with no explanation of how i was a month behind. This is preventing me from getting a new mortgage or rental property and i'm going to be homeless. My title company had to contact them 7 times to get payoff information. Every time the title company was told that it had been ordered and they would receive it in 24 hours. Finally the 7th call they were told they need to submit a PDF form requesting the payoff which they were never told before. Much like my experience with BSI the company was irresponsible gave lack of information and ignored the request for resolution. This further provides evidence that my issue is not isolated to me. I've paid every payment monthly for 1 year on time which is the requirement to get a new mortgage loan and just now learned that i am somehow 1 month behind. How am i behind after a {$4500.00} catch up payment?! I'm now unable to get a new mortgage because of this company 's incompetent staff and poor records keeping/communication. I was never contacted by my account manager XXXX or by BSI to inform me that i was 1 month behind and every time i called i was never told that i was behind. Just that the funds had not been applied from the catch up payment.
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| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced to get a better rate for my mortgage in XX/XX/2020. The new company that took on my mortgage was called BSI Financial Services. I paid my mortgage in full for XX/XX/2020 on XX/XX/XXXX. Then, in XX/XX/2020 I got a letter informing me that " the servicing of your mortgage loan is being transferred effective XXXX XXXX '' and " BSI will stop accepting payments received from you on XX/XX/2020 ''. As of XX/XX/2020 my mortgage was with XXXX XXXX.
On XX/XX/XXXX, I checked my bank account, and I can see that XXXX XXXX took my full mortgage payment on XX/XX/XXXX, AND BSI had taken a full mortgage payment on XX/XX/XXXX. The payment BSI took is identical to the XXXX Payment I made. I have the bank statement to prove they took my money.
I called BSI on XX/XX/XXXX and they assured my that my automatic payments were shut-off, and that my account is no longer with them. They said they have no records of taking my money in XXXX. I spoke with a BSI representative named XXXX, and she said all I can do is e-mail XXXX. I e-mailed BSI on XX/XX/XXXX, detailing the whole situation, and they never go back to me. I sent another e-mail on the XXXX and asked for a response within 24 hours and still got no response. Calling and e-mailing this company hasn't been working. The XXXX mortgage payment BSI took of {$2800.00} is still gone from my account.
I XXXX BSI and s
aw that they have had lawsuits with the Consumer Financial Protection Bureau before. This worries me because I don't want this company to get away with taking my money. And since they did it in XXXX, I don't know how to stop them from doing it again in XXXX. I thought about flagging it as fraud with my bank ( XXXX XXXX XXXX ), but I figured I would try to contact the CFPB for help first since you have dealt with BSI before. All I ask is that I get my {$2800.00} back in my account, and written confirmation that they won't be taking any more of my money in the future ( since I am now with XXXX XXXX and they legally shouldn't be taking my money anymore ).
Please contact me so I can provide you with my bank statements, the e-mail attempts with BSI, and the physical letters I got in the mail saying my mortgage was transferred and that BSI wouldn't take any money for XXXX.
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| 05/15/2022 |
Yes |
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- Trouble during payment process
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Web |
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I was on a mortgage forbearance plan with Mortgage XXXX XXXX From XXXX of XXXX until XXXX of XXXX. When I opted to come out of the plan and start making mortgage payment my loan was sold to BSI Financial. On XX/XX/XXXX Mortgage XXXX XXXX sent over my new agreement to the company. Which was a new balance of XXXX, monthly payments of XXXX until XXXX XXXX at a 3 % rate. Well in XXXX BSI Financial sent me a bill for XXXX. I immediately called and explained that i signed a contract and if I previously owed XXXX due to the forbearance plan I no linger owe that amount. I was sent to the voice mail of XXXX XXXX ( who was over my file ) .Who assured me everything will be updated in the system once processing processes everything. After XXXX passing and still no update I called Mortgage XXXX XXXX and they advised me it shouldn't be taking BSI XXXX this long to update your new contract. So I called BSI Financial and left several voicemails for XXXX with no call backs. I was transferred to a customer service manager XXXX XXXX who assured me he would email XXXX and cc her manager XXXX XXXX who has yet to follow up with me as far as why hasn't my account been updated. Due to the lack of follow up and poor communication skills and the system reading the wrong information I have been scarred to make a payment. When I put my ego aside in XXXX and called to make a payment the rep advised me she couldn't take my payment due to the status of the loan and she then proceeded to forward my call to XXXX to make a payment but per usual she does not answer. I am hoping you all could potentially speak to someone higher up in the company so that my account can be updated. We are 5 months into the year and it should not take this long for them to update the amount I owe them. I am asking for all late fees they have on my account be removed due to their lack of processing and any payments that was supposed to start be placed to the back of the loan because they failed to update there system making me feel comfortable enough to make a payment. i did not feel confident that this company would forward my payments mad correctly once the system was updated and I did not want to put myself through any further headache or stress with this comoany
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| 09/23/2021 |
Yes |
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- Trouble during payment process
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Web |
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In XXXX of XXXX, I purchased my first home through XXXX XXXX. My payment was set up for escrow within my P & I payment. In XX/XX/XXXX, my loan got transferred to BSI Financial Services from XXXX XXXX. Everything still seemed fine as mortgage transfers usually happen. In XX/XX/XXXX, I start to get letters from the XXXX XXXX XXXX Accessor office, advising that my taxes have been past due since XXXX. I tried to call BSI for information as to why this was happening. BSI kept giving me a running around as to taxes were paid. I called the tax accessor and they advised they never received escrow payment from any lender from the time I bought my home. The tax accessor has advised if I do not make a payment by XX/XX/XXXX, they can pursue legal action for foreclosure. I have contacted BSI once again to confirm what actions they are taking. They advised that they sent out a check back in XXXX, but it bounced and returned. Not once did they try to confirm why or where this returned. They now have mentioned they sent an escrow check on XX/XX/XXXX to the tax accessor, but only covers the taxes for the year XXXX. When I spoke to BSI, they advised that when they received the loan from XXXX XXXX, they mentioned there was no escrow balance transferred to them from XXXX. They mentioned that maybe XXXX had paid out the full escrow balance to the taxes, but does not satisfy that comment. As XXXX County tax accessor has provided details that there has been no escrow payment in XXXX. I am beyond disappointed in both servicers as to how they're handling my escrow account. Had I known the irresponsibility of the mortgage servicers was this bad, I would not have set up escrow into my payment. Now my escrow has been reanalyzed and my payment has jumped from about XXXX to now XXXX due to the incompetence of these mortgage servicers. Neither BSI nor XXXX XXXX wants to speak to me directly to figure this mess out. I have done what I am supposed to as a borrower and make my payments on time. If neither, XXXX XXXX or BSI financial want take responsibility for their lack of service, I will be moving forward with prosecution. It just seems as both lenders would rather have my home foreclosed on than to assist me.
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| 02/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was refinanced and owned through XXXX in late XXXX, but moved to BSI in XX/XX/XXXX. During the transition a {$450.00} fee was showing on my account under 'Fee Billed ' on XX/XX/XXXX. I have never historically or currently missed or been late on a payment ever. I called BSI 4 times over a 3 week period to understand what the fee was for and get supporting documentation and the company kept telling me that it would be awhile until all documentation would make it over " during the transition '' but that I needed to pay to avoid penalty even though no one could give me any information on the fee or supporting documentation.
In XXXX of XXXX, 6 'Fee Billed ' charges have shown up on my account with the following dates and amounts : XX/XX/XXXX {$130.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$270.00} and XX/XX/XXXX {$45.00}. Upon seeing these charges mid XXXX, I called BSI on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX to get a response on what the fees are with supporting documentation. NO response has been provided to-date. What kind of company can EVER charge a fee and not know what it is for and have detailed documentation to support that. I asked that my request be escalated on XX/XX/XXXX to a Manager and was given XXXX as my contact. She promised me a response no later than XXXX. When I called back on XXXX I got her voicemail and no call back. I called the main # again on XXXX and was told she left the company! This is FRAUD.
As noted above, I have NEVER missed a payment ever on my mortgage. The only other relevant item is that the City offered $ to us due to a water project impacting our property and new easements. No money has been received to-date as we are unhappy with the offer. However, this was back in early XXXX and as CONFIRMED with XXXX there is no mortgage $ owed by me given the equity value we have in our home.
I need a response ASAP on : What are all 8 charges are for WITH line item detail that supports how these are in relation to any misconduct or breach of contract on my end These fees and this process is beyond fraudulent and the fees need to be removed immediately.
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| 01/12/2023 |
Yes |
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- Trouble during payment process
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Web |
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I submitted a mortgage payment through my XXXX XXXX pay for both XXXX and XXXX, 2022 respectively. I have used this method of payment in excess of one ( 1 ) year and have never had an issue until recently. BSI is alleging they received payments for both XXXX and XXXX, 2022 " after '' the deadline, which is the XXXX of each month, thereby accessing a {$51.00} late fee to the account. However, upon contacting XXXX and speaking with a Representative, their systems indicated payments for both XXXX and XXXX were issued as follows : XXXX, 2022 was issued on XX/XX/2022 and received by BSI on XX/XX/2022 ; and XXXX, 2022 was issued on XX/XX/2022 and received by BSI on XX/XX/2022. In speaking with the BSI Representative regarding these two ( 2 ) transactions, i tried to provide the transaction number and the acct number for which XXXX provided based on information taken from the back of each bank issued draft to request they recheck their transactions to see if an error occurred and/or perhaps my acct numbers were mixed up with another similar account, these suggestions proved fruitless as BSI refused to check their records and maintained their records and information was accurate.
I find the recent late fee assessments suspect on the part of BSI as they are a " Loan Servicer '' and are the only ones profiting from any fees assessed on the accts of a consumer/borrower, and as evidenced by their failure and/or refusal to check their transaction as though they are exempt from mistakes and/or are the only organization not experiencing staffing issues. Not to mention BSI stands to gain additional interest if all borrowers utilized their preferred method of payment which is Auto Pay and/or Online Bill payments.
Finally, BSI 's refusal to check its transactions, admit any error could have occurred on its part, or their admission of staff shortage, on its face, can be seen by the consumer/borrower of BSI 's attempt to collect additional fees, especially given the fact that XXXX has presented proof to the contrary of their records. The foregoing method of attempting to collect fees from a borrower by these types of practices is unfair and fraudulent on the part of BSI.
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was transferred to BSI Financial Services and it has has caused a true hardship and has negatively impacted my financial standing. The challenge follows many problems including : ( 1 ) Inability to Pay Taxes On-Time : My escrow account is current and is fully funded. It has had sufficient cash on hand and despite this the servicer is delinquent on two separate tax accounts : ( a ) Town Taxes and ( b ) County Taxes. These are both UNRESOLVED and one payment is over one month past due.
( 2 ) Late payment to my Homeowner 's Insurance holder : It took multiple email correspondence and many calls to customer service to extract a payment to my Insurance Agency. Moreover, I involved my Insurance Agent in calling BSI Financial prior to a payment being made days after the due date. This caused real unease because I didn't want to lose my policy nor get negatively targeted within the insurance marketplace due to 'late payment '.
( 3 ) Incorrect PMI Deductions - BSI financial services has incorrectly charged my PMI and has incorrectly doubled my payments since my financial relationship started in XXXX. I have written and become correspondence with customer service ( via phone ) and resolution seems to be far off. Moreover, I was not told HOW this would be resolved ( i.e. would their be a check sent back to my residence or would it be deposited back into my escrow account ).
( 4 ) Tradeline delinquency applied to my Credit File - A 30-Days past due was issued against my credit file DESPITE being a new account. This is a violation of RESPA and despite asking for a correction there was no solution. Instead, I received a written letter from a 'Complaint Resolution Specialist ' that 'the information that we have reported to the credit reporting agencies is correct. ' This action is actually illegal and it is not congruent with providing a new service account 60-days grace period. The only reason I could NOT make my loan payment is that it was only after the due date on XXXX that the account even reflected correct information. I spent over a week trying to establish an online account and didn't receive payment instructions until AFTER my XXXX due date.
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| 07/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was purchased by BSI financial and i was granted access to their payment portal. I set my payments up to be bi-weekly and the amount was to cover the entirety of each month 's payments every 2 weeks. I initially added {$250.00} per payment in additional principal. This change apparently caused BSI to suspend my account and when no regular bi-weekly payments were deducted from my account in the month of my I logged in and found my account was suspended and marked delinquent. I made an inquiry through their customer care portal and was told that I had suspended the account. That is not possible to do unless 5 days written notice is given according to their policy. No such suspension letter was sent. I spoke with a XXXX XXXX who told me he would handle the matter. I was then informed BSI can not process biweekly payments in the full amount of a monthly payment and can only take a 1/2 payment. This has been proven untrue as they did take the correct amounts in the month of XXXX. Since this has occurred I have been passed off to XXXX XXXX who told me she would personally oversee the account. She agreed to retroactively credit the appropriate amount to the missed payments due to their error, but in so doing did not apply the amounts correctly or offer any explanation. When this was brought to her attention she informed me she would look into the matter. On XXXX 3 payments of {$1400.00} were deducted from my savings account and placed in an UNAPPLIED Status. After receiving 5 letters from BSI stating they would process my payments bi-weekly in the full amount of {$1200.00} and apply the first payment to principal interest, and escrow and the 2nd payment to principal reduction. On XX/XX/17 they deducted {$710.00} and it is sitting in UNAPPLIES. I can make no sense of the LOAN History which I am attaching for your review along with the letters. Upon written inquiry to XXXX XXXX I was instructed after 9 days of no activity to correct my problem that my account was being transferred to the complaint department. I have written bth Miss XXXX and XXXX XXXX Senior Counsel Letters to try and get this corrected and am getting nowhere with this company.
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| 03/18/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is a rebuttal to the closed case XXXX : The response is unsatisfactory and does not address the following : I provided documentation showing payments were withdrawn from my account on XX/XX/20 and XX/XX/20. Where were those funds applied to? There was no way BSI would have let me go without making payments 2 months in a row. I AM ATTACHING ONCE AGAIN MY PAYMENT HISTORY. TO INCLUDE WHAT IS ON THE WEB PORTAL AND MY FINANCIAL INSTITUTION.
I have talked with customer service with no unusual wait time. In my complaint I addressed the fact that the Loss Mitigator, XXXX XXXX, does not answer the phone, return calls, or answers emails period. He is assigned to my case and it is no excuse. I was specifically told by the last Complaint Specialist answering the complaint that XXXX is suppose to talk to me. He in fact is very rude and nasty. In addition, he provided a plan by investors designed to take my home. In fact it is more than the mortgage is worth.
In addition, I have asked customer service for a manager and they are refusing to transfer me to the manager XXXX XXXX. This is not customer friendly. Consumers have a right to speak the manager. They are not transferring customers and intercepting in the call.
There are so many complaints on the consumer affairs website on the same issues I am not the only one. I WANT TO BE TRANSFERRED TO ANOTHER LOSS MITIGATOR. I WANT TO TALK TO A MANAGER PERIOD!!!
Third on the reversal, it is important to notify a customer when you make any changes to someones account. THERE SHOULD HAVE BEEN SOMETHING WRITTEN. NO ONLINE WHERE IT STATES REVERSAL. I should not have to complain to get a response ON THIS MATTER. THIS IS ILLEGAL. JUST MAKING CHANGES TO SOMEONES ACCOUNT WITHOUT NOTIFICATION IS WRONG FLAT OUT!!!
Finally, I have no loan documents. I never have from this company. I have asked many years ago to provide me loan documentation. You have not done that. I WANT DOCUMENTATION ON THIS LOAN WHEN IT WAS TRANSFERRED TO YOU!! IMMEDIATELY!!! THIS IS ILLEGAL.
This company has predatory lending habits. I have forwarded my complaints to the Attorney General to investigate this place.
XXXX XXXX
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| 02/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I was notified by my current mortgage lender, XXXX XXXX XXXX, that my mortgage was to be sold to BSI Financial Services effective XX/XX/XXXX.
On XX/XX/XXXX I received a copy of the billing notice from my insurer for my homeowners policy with the total amount due, due date of XX/XX/XXXX and notification that the bill was sent to : BSI Financial Services Inc, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
On XX/XX/XXXX I received a notice from my home insurer, XXXX XXXX XXXX XXXX XXXX XXXX., stating that due to non-payment of my homeowners policy my policy will expire on XX/XX/XXXX.
I promptly contacted BSI Services customer support line ( XXXX ) and was told they never received a bill and that it was my job to notify my insurance company that my mortgage had been sold with the new contact information. The customer service rep continued by saying that this was stated in the notification letter I received from XXXX on XX/XX/XXXX. This is not factual and I shared that information with the BSI Financial representative. She ignored my rebuttal and provided me with the number for the BSI Insurance division and said I need to give that info to my insurer.
I contacted my insurer on XX/XX/XXXX and gave them the info to contact BSI Insurance Division.
On XX/XX/XXXX I received a call from my insurer stating that BSI Insurance Division was unable to find my account. I proceed to call BSI Insurance ( XXXX ) and was also told that they had no record of my account and that I needed to speak with BSI Customer Service!
I immediately contacted BSI Customer Service who found my account and said that it might take 30-60 days for their Insurance Division to receive account information from a sale. They suggested sending the original bill in the mail to BSI ( which was already completed on XX/XX/XXXX ).
Im at a total loss as to how this company is allowed to stay in business. They had {$2000.00} in my mortgage escrow as of XX/XX/XXXX, {$680.00} more than enough to pay for my homeowners insurance that they are responsible for paying.
I implore you to hold this company accountable for their sloppy, inaccurate and inefficient processes.
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| 12/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XX/XX/2021 - We received a Past Due Notice of Real Property Taxes from our County. Along with the past due amount is a Penalty for being Past Due.
We have an Impound Account established with our BSI Financial Services Mortgage Company payment that is to pay/cover our Property Taxes and Homeowners Insurance premiums XXXX We have paid every monthly mortgage payment on time since the inception of the loan.
On XX/XX/2021, we went to the County Tax website and pulled up our Property Information and Tax Payment record. It showed the Taxes past due.
On XX/XX/2021, we also contacted the Mortgage company and signed into our on-line Account. The on-line account as well as our monthly mortgage statement dated XX/XX/2021 shows that the Tax Payment was made in the amount of {$1100.00}.
On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, we CALLED the mortgage company regarding the past due taxes. We were given a different person each call, and each person had a different explanation of why the taxes were NOT PAID. We were told there was a problem with the " wire transfer '' to XXXX XXXX NV, we were told the payment was made but did not go through, we were told the issue was being resolved and they would call us back with a " check number '' since the taxes were now being paid individually vs as a group. We were told there are no supervisors, no managers, no person in charge that works for BSI that we could speak to. We were told there is no one in the " tax department '' that takes calls or that can call us back.
We were never told there was an issue with the payments they made to our County Tax Collector, we were never told there was an issue with our mortgage payments, we were never notified that BSI was having issues with their wire transfer to multiple counties, UNTIL we called in about our Past Due Notice.
BSI is stating that they had multiple counties that could not accept their wire transfers, yet they did not notify any of their customers. BSI has stated they would take care of the tax payments and late penalty fees, but as of today 's date : XX/XX/2021, the taxes are still past due on the county website.
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| 03/15/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/2020, BSI Financial Services purchased my mortgage. My homeowner insurance payment was due in XXXX. They did not pay it. I called and informed them of the situation, and told them I would hold the liable for anything that happened to my house while the insurance lapsed since it was their responsibility. My insurance agent ( XXXX ) contacted them and sent them the information to get the payment made. I was told by BSI that I needed to do nothing else and that it would be taken care of.
XX/XX/XXXX, I receive a letter from BSI dated XX/XX/XXXX, stating that they are going to purchase homeowner 's hazard insurance since my insurance expired. I spoke to " XXXX '' from BSI and explained to him that this was supposed to be taken care of and that they have control of my escrow. I asked why they didn't do it and was put on hold while he called my agent. I was then told it was because I didn't sign a paper as required by my insurance agent. I conference called my agent with " XXXX '' on the line. My agent told " XXXX '' that he was lying and that he just called and was told they have a record of sending the required information to BSI in XXXX and have been trying to get them to release the funds. Now, since BSI did not pay my insurance on time, I have to reapply and my house insurance is going up approximately {$190.00} / year. My agent said it would not have gone up if BSI paid when they asked and when they were supposed to pay and not allow it to lapse.
I called " XXXX '' back and explained in a heated conversation that BSI owes me the {$190.00} dollars since they failed to pay the insurance from my escrow. He relented and agreed. I asked for documentation stating this and he did not agree to that nor have I seen any documentation.
I checked their website, and my escrow still has the funds for my insurance company listed even though they were supposed to overnight a check to reinstate my insurance.
Please help.
My insurance agent is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX My mortgage company is : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan Number XXXX
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| 06/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XX/XX/XXXX I reached out to BSI Financial to ask how I can go about requesting PMI discharge on my mortgage. I spoke with a rep on XX/XX/XXXX at XXXX and asked if it was possible and if there was any specifics I needed. She escalated within the corporation and they indicated yes I could request discharge, that I would just need to get my own appraisal and submit via email. There were no other conditions. I then again called XX/XX/XXXX at XXXX and spoke with someone else asking again if there were any specific conditions I needed to meet to discharge PMI and if they had a specific appraisal form, after speaking with an appraiser. They again confirmed there was no specific form and no additional requirements. Submitted appraisal on XX/XX/XXXX. Spoke with someone XX/XX/XXXX and said it was still in review. On XXXX we received a letter saying it was rejected because we hadn't owned the home for atleast 2 years. NEVER was this information told to me and you can not find their requirements anywhere online, nor was I provided this information before the appraisal when I asked multiple reps. Obviously I wouldn't have gotten an appraisal and wasted {$400.00} if that was the case. I want my appraisal money reimbursed. I submitted an appeal to this on XX/XX/XXXX and never got a response. My husband reached out within the last 3 months and asked again, and they said we didn't qualify for discharge because of the 2 years.
Our equity is well above 20 % and PMI should be discharged. They also indicated they haven't received evidence the value of property has not declined below original value which is completely false. I asked numerous times for requirements to discharge PMI and they knew how long I owned the home for because they hold the mortgage. My mortgage was started in XX/XX/XXXX and then was sold to BSI financial. It's not like I could choose who bought my loan immediately after we closed. I do not want to pay another {$400.00} for a new appraisal now when I would have waited to begin with. I want either my {$400.00} reimbursed or my PMI discharged with a credit for the amount paid between my submission and now.
|
| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Loss Mitigation on a recorded line on Mon XX/XX/XXXX made a payment agreement with me and 8 hours later changed the terms. I am almost in foreclosure.
I am filing this complaint because BSI is going to take my home an put me in foreclosure with the way my case is being handled I am almost 120 days delinquent.
Through all of this, The Loss Mititgator handling my case initials XXXX on a recorded line ( XX/XX/XXXX ) made an agreement with me for payment to get caught up on my loan. The next thing I know it was changed. I am sure you can listen to the recording whomever handles this case at BSI. In addition, I sent all of the documentation and proof showing loss contractual XXXX XXXX job.
I have been ill since XX/XX/XXXX and on leave without pay now from my Full Time Employer. I have only been working XXXX XXXX. I was promised a course that was cancelled due to low enrollment in XX/XX/XXXX. This would have given me an opportunity to catch up on my mortgage. At the end of XXXX early XXXX I was struck with XXXX. I was told to stay home and tough it out from my Physician on the phone. I have XXXX issues and still recovering. My husband is in the same condition.
I sent everything asked of me by BSI documenting my loss of income. On the recorded line it was specifically mentioned by XXXX the terms, but when I asked her to document the agreement she did not. Later that night I got a lengthily 2 page loss mitigation document. This was not the agreement. I am TOO SICK to even fill this out and can barely XXXX.
This institution is notorious for taking peoples houses. I am asking for the original agreement I made with this mitigator to be documented and acknowledged and work with me as she stated on the phone.
In reading complaints about BSI on consumer affairs website you will see the same kinds of complaints about them. Something needs to be done about their unfair and unjust practices.
In addition in reviewing all of my bills, I see that additional fees have been added with no explanation. Nor have I received credit for my payment I made in XXXX on the bill.
PLEASE LISTEN TO THE RECORDING ....
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| 08/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I called my mortgage company ( BSI Financial ) to inquired about the process to request a review of my mortgage to have my PMI removed in XXXX of XXXX. The representative I spoke with on at this time told me that I would need to procure an appraisal on my own and submit it to BSI for the request. She also told me that since I had refinanced within the last two-years that I would need to wait to submit my request until two-years had passed since my refinance, which would be in XX/XX/XXXX.
So in XXXX of XXXX, I contacted a local real estate home appraisal firm in my area and paid {$400.00} to have an appraisal done on my home. Once I received the appraisal on XX/XX/XXXX, I submitted online it to BSI. When I called to speak with a representative on XX/XX/XXXX about next steps, I was told that they had changed their process, and now PMI removal requests required BSI to coordinate the appraisal ( for a fee of {$450.00} ) and that the one I had just paid for would not be acceptable.
I explained to the representative that I had followed the process that I was originally instructed to do, and never received any communication from BSI that they had updated their process to know that this process had changed. The customer service representative forwarded me to her manager, who after speaking with his supervisor, indicated that they would waive the fee given the circumstances and told me to email him directly the appraisal that I had received for BSI to process.
After not hearing from the manager or BSI for several weeks and multiple follow-ups, the manager finally called me on XX/XX/XXXX to tell me that they BSI was no longer going to waive the fee and if I wanted to submit a request to have my PMI removed, that I would need to pay the {$450.00} for a new appraisal.
I told the manager, that if BSI was not going to resolve this, given I had followed their direction and paid for my own appraisal, that I would have to seek alternative avenues to resolve. He said that he would speak with his supervisor again and call me back, but to date, I have not been contacted from him or anyone from BSI on this issue.
|
| 01/11/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
I had regularly scheduled, electronic payments with my mortgage lender ( BSI Financial ). All payments were scheduled for the XXXX of the month for the monthly payment, {$4400.00}, plus an additional {$1300.00} towards the principal. After my XXXX XXXX payment, I contacted BSI ( on or about XXXX XXXX ) regarding split payments to begin on XXXX XXXX to be {$2800.00} XXXX {$2200.00} in principal/interest and {$650.00} in additional principal ). On XXXX XXXX, the draft did not occur. I contacted BSI again and they said I did not specify the day of the week ( not true ) so I re-scheduled the split payment to occur on XXXX XXXX. Again, no draft occurred. I called a third time and was informed that they needed additional paperwork to conduct split payments. I told them I was done with attempting to do split payments as I had begun doing a re-finance due to low interest rates and a lack of confidence in their ability to manage my mortgage. I told them I wanted my full loan payment, plus the additional principal payment, to be drafted on XXXX XXXX and to continue that until my re-finance was complete. On XXXX XXXX, no draft. I contact them again and they push my draft to XXXX XXXX for the full payment plus principal. On XXXX XXXX, they drafted the split payment plus {$650.00} additional principal. I called again and they said they now needed 3 business days to process a change ( website says 2 ) and that is why it only drafted the split payment. I scheduled an immediate draft of the remaining payment plus another {$650.00} in principal but have yet to see it draft. There is no accountability within that office and their customer service is nothing but empty words. I am now at risk of being late on a payment if they do not resolve this issue prior to the XXXX which could affect my re-finance, my credit score, and other factors. In searching the internet, I have seen several other people have issues with this lender, but lenders can sell people 's mortgages to whoever they want and therefore, my mortgage could end up in BSI 's hands again if someone does not intervene to remove them as a credible lender.
|
| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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|
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Web |
Servicemember |
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I sold my property located in XXXX, AZ. Prior to closing, I received a copy of the payoff statement submitted by BSI to XXXX XXXX. I called BSI on XX/XX/XXXX, because of a late fee of {$38.00} on the statement. I spoke with XXXX who confirmed that my monthly payments were all paid on time and the {$38.00} will be refunded when the account is paid in full. The purpose of this late fee is if the title company does not pay the loan off before the fifteenth of the month.
I signed closing documents on XX/XX/XXXX, and the buyer signed on XX/XX/XXXX. The title company received all the necessary documents, closed escrow, and funded on XX/XX/XXXX. On XX/XX/XXXX, I called BSI and spoke with XXXX. She confirmed the loan was paid off on XX/XX/XXXX, and the balance of my escrow account was {$560.00}. XXXX explained there is a 30-day review prior to releasing all funds from the account. Based on our discussion and the settlement statement, I estimated my refund from BSI would be approximately {$1100.00}, ( {$560.00} escrow + {$38.00} late fee + {$470.00} interest refund ).
On XX/XX/XXXX, I received a refund check for {$560.00}. The check did not include a breakdown of the refund. About a week later, I received the Final Analysis Statement. This document is only a breakdown of my escrow account and is consistent with what XXXX at BSI told me about my escrow balance. I have not received an additional check for the refund of my interest or the late fee. I am including both documents in this complaint. On XX/XX/XXXX, I called BSI and spoke with XXXX. I asked for an explanation of my refund and that I do not see a credit for the late fee and interest. XXXX told me the escrow refund is {$290.00}, the interest refund is {$270.00}, and the late fee refund is {$93.00}. These three amounts total {$660.00}, more than the check I received.
When I told XXXX this amount does not match the check I received, she told me she would refer the account to the Payoff department and call me back. As of today, XX/XX/XXXX, I have not received any additional correspondence or a phone call from BSI about my missing funds.
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| 03/17/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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BSI Financial was the mortgaging servicer for my home mortgage, and the servicing was transferred to another entity as of XX/XX/XXXX. However, BSI Financial is responsible for providing the annual mortgage interest statement since it collected mortgage payment through XXXX and XX/XX/XXXX.
As of XX/XX/XXXX I have reported to BSI Financial Services, the mortgage servicing company, that I did received the annual mortgage interest statement ( form 1098 ). I was told the document was mailed to my residence and a given that I had not received it, a request for the document will be submitted to the appropriate department. I waited two weeks, yet I did not receive the document. I call again and informed the BSI representative that I had not received the document and asked for expedited service given that the form was delayed. The representative stated she will send an email to the appropriate department, and she also asked whether I would like to learn the amount verbally. I told her a verbal response from the company is unacceptable and I would like the document as it the only confirmation that would be acceptable in the business world and I need the actual statement.
On XX/XX/XXXX I called the company again explaining that I have not received the document and again asked for expedited service. Again the representative offer the same explanation ( a request was send to the appropriate department ). She also stated I would receive the document via email within 24 hours of the request. The representative also offer to give me the information verbally, which I repeated my response. I need the actual statement.
Since that time, I have made two additional calls to the company for same request and receive the same response. I find this company to lack appropriate measures for handling customers ' requests and further believe is should not take 2 months to provide a pre-filled document, that is required by statute to be mailed to customers by XX/XX/XXXX. Further if the statement was mailed at the time the company claimed that it was mail, why is it so difficult for the company to produce a copy?
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| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, I am a XXXX XXXX and i am trying to do a cashout refi for a borrower. This borrower 's current mortgage is held by BSI Financial Service. The borrower 's credit report shows him having a 30 day late on his mortgage back in XXXX. The borrower was never actually late. This was a result of an error on BSI 's end while onboarding the borrower 's loan from a recent service transfer.
The borrower tried to have BSI correct there error. In XXXX, BSI sent him a letter stating that the 30 day late was reported in error. They said that the late would fall off of his credit report within 30 days. Fast forward to XX/XX/XXXX, and the 30 day late is still reporting.
I have a service at my company where my credit provider can rescore/adjust the credit report. All my credit provider needs is the same letter that BSI sent in XXXX, but with a date on it after XX/XX/XXXX. ( We can not use the one from XXXX ) The borrower then called to have them email it. They said they would and they didnt. I then called ( Myself and my company are an authorized 3rd party ) and tried to get them to send the letter with a new date. They said they would and after a week they did not. I called again and had the same conversation, they said they would send it and did not. A week later i called again, and had a very similar converation, except this representative told me that she could not verify me as a authorized 3rd party. I asked who i should send the signed borrower 's authorization form to. She gave me their customer care team 's email. on XX/XX/2022 i emailed the BSI customer care team a new signed borrower 's authorization form and requested that they respond when they receive it. Five days later, no response. XX/XX/2022, i sent another email following up.
After that, i XXXX the company and read XXXX reviews. it seems that this is common practice for them. Someone said that they will not help you unless you get the CFPB involved. Please help. My borrower will greatly benefit from getting this cashout during such a hard time, and can not because of the actions/inaction of BSI financial services.
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| 12/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Two of my three mortgages were transferred in XXXX or XXXX of this year from XXXX to BSI Financial. One mortgage became an issue when they did not apply my payment, although I had proof of payment. I emailed the customer service email several times with no response. I continued to try to call but the hold time was so lengthy. I finally got through, spoke to a manager and the problem was resolved. Then my other account began to show past due when I had proof of payment. This account has had multiple issues for months now. I have spoken to so many managers that promise they will see the issue through to completion and then never do. I have emailed them directly, left voicemails on their personal voicemail, emailed the customer service number and never get a response. I finally found a number to get to escalations and worked with XXXX XXXX. He advised me that all of my late fees were waived, I was told to pay {$330.00}, which I did. Today I downloaded an XXXX spreadsheet and it appeared that two late fees that were charged on XXXX and XXXX had not been reversed. I called back in to the escalation department and got XXXX XXXX, who was the last person I spoke to. From the beginning of the conversation, he was condescending and rude with me, said the fees had been removed and my amount due is {$0.00}. He would not give me the opportunity to explain that I believed those fees were in the {$330.00} that I had paid to get everything on track. He continued to scream at me, stating he was " done with the conversation '' and would not listen to me at all. He kept telling me the conversation was recorded. I ask that an execuative with BSI find that recording and listen to the way this person spoke to me. After I told him I would be contacting the XXXX he calmed down and then realized that ... I was correct that the late fees were not reversed. I can not begin to tell you how many hours I have spent trying to get my BSI account straightened out. The customer service is the worse I have seen in my 25 years of owning homes. I would like someone from the corporate office to call me.
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| 07/22/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
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| 09/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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On XX/XX/XXXX, I canceled my auto payment feature Via BSI Financials ' website and made the full mortgage payment that day. That payment was submitted ( {$3400.00} ) but the auto payment was also deducted from my account ( {$3400.00} ), resulting in double the payment for XXXX of {$6800.00}. I called BSI Financials customer service on XX/XX/XXXX once I noticed this. They told me they could refund the second payment but only via check. I agreed thinking that should take no more than two weeks as the employee stated it would be processed in ten business days. The second payment of ( {$3400.00} ) was reversed from my account but the check never showed up. I called customer support after waiting 29 days and was told their policy is to wait 30 days from when the check was issued ( XX/XX/XXXX ) and if the check was still not received, they would void the check and could either issue a new check or applied the funds to my next mortgage payment. I called back on XX/XX/XXXX, and they told me the check was now void and for the funds to be applied I have to submit a letter via email stating I want the funds to be applied to my XX/XX/XXXX mortgage payment. I emailed this letter on XX/XX/XXXX asking for confirmation the letter was received and the funds will be applied. I followed up to the email on XX/XX/XXXX & XXXX with no response. I called customer service again on XX/XX/XXXX inquiring about the email and was told to call back on Monday or Tuesday but to rest assured that the funds will be applied to my XXXX payment. I called Customer Service this morning XX/XX/XXXX and was told that the funds were already applied to my XXXX payment when in fact I have the transaction from my checking account showing I paid it. The customer service again asked my to forward him the email I sent on XX/XX/XXXX so he could send it to their finical department and told me it will take 48 to 72 hours to be reviewed. The Two-month mark of this issue is approaching and there has been no resolution to date and my family is out {$3400.00} due to BSI Financials negligence and poor customer service.
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| 09/07/2022 |
Yes |
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- Trouble during payment process
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Web |
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My loan was sold to BSI in XXXX of XXXX. The agreement signed was for me to start making payments in XXXX of XXXX. When attempting to make my first payment I noticed the system would not allow me to make a payment and it was showing an incorrect balance. I reached out to BSI several times to fix the problem with no results. For 6 months I called and emailed XXXX ( my point of contact ) with no results. I have also attached a screenshot of her assuring me that her back office was getting the situation worked on ( it never happened ). So after waiting several months with no results I reached out via email to higher up in XXXX pretty much begging for them to please help me get my account updated. Well in XXXX the account finally updated. I then made payments for months XXXX since I was not able to before. My now issue is BSI is reporting my account as a disaster on my credit report ( which it is not ) and they are not reporting the payments as payed for months XXXX. I spoke with a rep today who advised me that per the credit department if they updated my credit report and remove the disaster that my loan would then show late payments. Mind you I could not make payments because there system didnt allow me to because they had not updated my file. It was showing an I corrected amount and they had me blocked from paying. If you go back and look at statements on this account from XXXX XXXX you will see what I am talking about. After doing some research I see where BSI was recently sued back in XXXX for the same issue that I am experiencing. If you all can not do whats right and update my credit report to reflect all of my payments, remove the disaster off of my credit report and make things right I am prepared to sue as well. This experience has been very stressful and emotionally draining. Attached is the first statement I recipient from BSI, one of the many emails from XXXX ( my point of contact ), a screenshot of the contract that I signed and a copy of the lawsuit that you all just had in XXXX and surprisingly I am experiencing the same issue with you.
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| 01/24/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Mortgage Company : BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Main line XXXX Ext. XXXX Fax XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Office Hours XXXX XXXX XXXX XXXX XXXX ( Central ) Loan Type : FHA After missing 2 mortgage payments due to a reduction in my hours at work back in XX/XX/XXXX related to the pandemic, I reached to my BSI Financial Services to request a mortgage loan assistance in the form of Loan Modification.
I was then contacted via phone on XX/XX/XXXX by XXXXXXXX XXXX XXXX, who presented me with 3 different Covid-19 Waterfall Options that would modify my FHA loan interest rate and balance. I was then sent a follow-up email on XX/XX/XXXX at XXXX est. pm that detailed our phone conversation and told to select the Covid-19 waterfall option of my choice. I made my choice via email as instructed and sent the responding email with the necessary requested information on XX/XX/XXXX, at XXXX XXXX est. I then followed up with an email on XX/XX/XXXX XXXX XXXX est. to confirm the receipt of my previous emails to XXXX XXXX.
She responded XX/XX/XXXX XXXX XXXX " Hi Yes received document. Thanks ''.
Additionally, I sent emails on XX/XX/XXXX and XXXX after no communication asking for advisement on the next steps in the process to set expectations. I was sent an email on XX/XX/XXXX and XX/XX/XXXX that the department was behind and working on getting the necessary paperwork out to me with no set date.
I have continued to email the original loan officer monthly for an update and have not heard anything and as a result I have called BSI Financial Services monthly since XX/XX/XXXX to express my concern involving the lack of follow- up via phone call, mail or email during this process.
To date I am unable to utilize the online payment system because the account has been XXXX. I have resorted to calling in to make payments and have yet to receive any of the aforementioned assistance discussed over 4 months ago.
I am deeply concerned about this company, their practices, failure to communicate and provide assistance.
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| 01/20/2023 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received a letter from XXXX XXXX through this complaint process stating that they would provide me with a single point of contact since they have made many mistakes throughout my mortgage process including but not limited to refusing to honor the removal of my PMI, providing me incorrect and incomplete information about the removal of my PMI, and failing to provide me with a full letter capturing the removal of my PMI.
XXXX. I was given a single point of contact, XXXX XXXX, at phone number XXXX ext XXXX to speak with directly regarding my mortgage going forward. On XX/XX/XXXX at approximately XXXX I called that number, and there was no occasion to enter an extension. I then asked the person who answered how I could speak to XXXX XXXX. I was given the same number I had just called, and the same extension. I told him that this was how I had reached the person I was currently talking to. I asked how I could reach XXXX. The individual I was speaking to said I could call XXXX ext XXXX. I called that number the same day and approximately the same time, and it was the exact same answering service as the XXXX number, similarly without an opportunity to enter an extension for XXXX XXXX. This time, the person who picked up either immediately hung up or disconnected, so I could not ask how/when to enter an extension or how to reah XXXX without this answering service as promised to me in XXXX XXXX ' outcome letter dated XX/XX/XXXX.
XXXX. On XX/XX/XXXX I was given a letter that stated my PMI was removed and that the letter also included " a new XXXX Analysis which reflects your new payment amount and the next due date. '' This was not included. I asked for a copy of this letter in writing on XX/XX/XXXX, again in my written complaint to CFPB on XX/XX/XXXX, and again in a phone call to XXXX XXXX on XX/XX/XXXX in my call with XXXX at XXXX. Each time I was not provided with a copy of that letter. UndeXXXX XXXX XXXX I should have received a decision letter and my new payment amount in my XX/XX/XXXX letter. I still have yet to receive it.
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| 04/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Dear All, It is more than a year that I have been asking for a partial release from BSI, have tried reaching to supervisors and even the president but have received no reply.
Our mortgage with BSI is against the XXXX XXXX XXXX ( XXXX XXXX, XXXX # XXXX ) ; our Home Mortgage number is XXXX. However, perhaps in an error, the adjacent land next to this property ( which also belongs to us ), XXXX XXXX, is also included in the load documents including a lean of the bank, which is why I have requested ta partial release of XXXX XXXX. I made this request frequently since XXXX of XXXX ( below the start date ). However, there has not be even a single reply from BSI. Since we now have a new construction on the lot of XXXX XXXX XXXX, I have again frequently requested by phones and emails that XXXX conducts this partial release.
This XXXX XXXX XXXX is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage and we request to be released ( as a partial release ).
Example of email communication dates : " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Home Mortgage number XXXX -issue of the adjacent land XXXX XXXX XXXX ISSUED '' " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Fw : Attention- XXXX XXXX Per our call today-Home Mortgage number XXXX -issue of the adjacent land XXXX XXXX/ XXXX ISSUED '' " XXXX XXXX XXXX Dear All, I would like to request a partial release of XXXX XXXX XXXX. Our mortgage number is XXXX Mortgage number XXXX.
This is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage.
After several calls, one of BSI customer service agents indicated that I need to fill a form and that I will receive this form. I never received it, I searched online and found the attached form, which I filled to the best of my knowledge.
I have also attached a survey and a few other related documents that clearly show the adjacent land is not part of XXXX XXXX, and may be removed / released. "
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| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We were told by our loan officer, and by PMI disclosures we signed when we refinanced our mortgage with BSI financial, that we could remove the PMI when then loan to value ratio was 20 percent or higher.
Since then, values in our neighborhood have risen rapidly, exceeding the 20 % loan-to value rate. On a number of occasions we have contacted BSI, trying to ascertain whether they would consider in their PMI calculation a new appraisal that indicated the currect home value. They said that if we paid for our own appraisal, mailed it in with a handwritten letter requesting that PMI be removed, it was very likely that the PMI would be removed.
We did so, paying XXXX dollars to have our home appraised. The appraisal came in at XXXX, while our original loan was for XXXX.
Today, I called again and asked to speak to speak to the person who made the decision to deny our request to remove the PMI. I was transferred to a XXXX XXXX, in the Loss and Mitigation department, who told me that my PMI could not be removed until two years had passed, and that, at that point, the loan-to-value ratio must be at 75 %.
I told her in our loan disclosures ( PMI disclosure ) there was nothing about 75 %, and that I had been told from the beginning, and by customer service agents at BSI, that the ratio was 80 % .I even have a letter on their letterhead spelling this out numerically.
I asked her if she could locate any of the initial disclosures I signed that specified two years or 75 %, and she asked to put me on hold and hung up on me ( perhaps unintentionally? ). This is the second time I have been placed on hold by BSI and hung up on this week!
The bottom line is that I want this bank to be clear and consistent in its PMI policies, and I want them to be transparent from the start regarding the formula they use and how they determine the loan-to-value ratio. In addition, I want consumers to know which appraisal is used by BSI in making their decisions, and whether they are following the law and not simply arbitrarily making decisions.
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| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI financial let our flood policy lapse.
They could not get proof of insurance from our insurance agent ( XXXX XXXX ) and sent me a letter saying they were going to have to buy us expensive insurance and that there would be a lapse in coverage.
We had maintained all mortgage/escrow accounts to date, no late or missed payments.
Said they had reached out multiple times to the agents office.
I called the agent and they said had never heard from BSI about any needed documentation.
A month went by.
I followed up weekly, was getting very concerned because flood policy was in grace period technically already lapsed.
I had already contacted flood insurance company and confirmed we had a policy paid in full. But BSI couldnt disperse escrow payment for upcoming year because we dont even know who your XXXX insurance company is XXXX?!
I finally got my XXXX insurance company to send a letter telling them who XXXX are so could at least have a payor on file.
XXXX.
Then got a hold of insurance agent to say why havent yall replied to BSI fax/letter inquiries to address the issue XXXX hrs later ( but after a literal month of painful phone calls, emails, and legwork I got the two parties to talk to each other ).
When all was said and done, asked all involved if this was typical for the mortgage/ homeowner industry.
They all said no categorically.
BSI is the worst company, hands down.
Their ineffectual business dealing left us uninsured for floods during peak hurricane season in a coastal town in SC.
Could have been catastrophic.
They still wont return emails or acknowledge sent documentation regarding escrow/taxes/etc.
They are impossible to work with. Always ask me to send emails to a wastebasket e-mail handle : XXXX No accountability.
Unprofessional.
Low internet ratings.
These people are the worst. I wish we could change services tomorrow. Even considered refinancing to pay higher interest rate/ closing fees just to not have to ever depend on these clowns again.
XXXX, XXXX
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| 07/08/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My husband and I refinanced our loan with XXXX XXXX XXXX ( they're not the problem in XXXX. Our loan officer advised us not to make our XXXX mortgage payment because the refinance would fund in XXXX. It did, on XX/XX/XXXX.
There are a few issues here ...
Our previous lien holder was XXXX XXXX and we got a notification saying that the servicer was being transferred to BSI Financial Services. This new servicing would take place in XXXX, and I think it went into effect on XX/XX/XXXX. Our new lien holder was/ is XXXX , as of XX/XX/XXXX.
I am filing a complaint against XXXX XXXX, BSI, and XXXX XXXX XXXX.
We have received notices from BSI stating that the payoff amount was not sufficient enough ; that it was {$500.00} short! I've spoken with both BSI and XXXX regarding the difference. Escrow provided me with a payoff amount and BSI said that it was enough to cover the total loan payoff. XXXX changed the payoff amount after the loan closed. If there was a discrepancy, our escrow account should have covered it. I have also yet to see a refund from our escrow/ impound account, that was supposed to be a direct deposit.
I am tired of being passed around, and told to contact multiple departments to get this issue resolved. It sounded like BSI was being cooperative, until we received a new mortgage statement saying we owe them three months of payments, totaling {$6600.00}. That's insane! They're not even our lien holder!
I called BSI again and they said they could not credit any of the payoff amount towards our account because of the missing {$500.00}.
Lastly, I am not sure which lending institution it was, but one of them reported a 30-day late on my and my husband 's credit reports. This has severely affected our credit scores, dropping them nearly 130 points! I have completely lost my patience at this point. I am not wasting any more time, playing phone tag and detective, regarding who the best department is to resolve this. Everyone has records of everything. This has seriously inconvenienced my family.
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| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX responded to my prior complaint, case XXXX, at the start of XXXX ( having maxed out the 60-day response window with CFPB ) resulting in the complaint being closed. However, they have not resolved the recasting of my loan whatsoever, despite being in receipt of all requested notarized documents timely. The referenced Single Point of Contact chooses not to respond to requests on when this will be completed. All my recent emails go unanswered by him and his superior selectively responds to some messages without any basic customer service etiquette nor evidencing any concrete progress.
This matter of recasting, delayed due to errors by XXXX XXXX disclosed in the response letter to my initial complaint, continues to be outstanding.
In addition and new to the context of my complaint to CFPB, XXXX XXXX have unapplied funds paid to them timely in order to complete the recast ( still pending ). This resulted in my account being shifting into an overdue status. I contacted them to ensure this would not happen - needless to say, XXXX subsequently reported this overdue status, entirely of their own doing through their process of recasting, to the credit bureaus. My excellent credit score on XXXX and XXXX reports has now been demoted to Fair status due to this error on my credit score. In alerting my Single Point of XXXX to this, I received no apology or understanding, but rather his manager messaged that it would be fixed after recasting. Any expectation of basic courtesy and customer service aside ( as it has become clear that XXXX XXXX do not excel in this field from my entire experience with them ), I have absolutely no confidence that this will be remedied quickly and completely, with XXXX taking whole responsibility to remove erroneous reporting from my credit score and return my standing to Excellent with all respective credit bureaus. Indeed, I am now disadvantaged from securing credit I urgently require due to their error and there is no adequate response from them in remedying this quickly.
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| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hi.
Beginning on XX/XX/XXXX my husband and I inquired about recasting with BSI Financial. While they did not get back to us ( after many tries ), they finally did on XX/XX/XXXX.
We asked what the process was for recasting and again, took a long time to respond, but did on XX/XX/XXXX. They informed us that we needed to wire our money to them to start the process. I was not comfortable with wiring money to an account that I do not/ can not see the money once wired, so we made 2 one time payments on XX/XX/XXXX in the amount of {$80000.00}.
On XX/XX/XXXX, BSI confirmed receipt of our funds and began the process for recasting. They shipped us documents on XX/XX/XXXX to sign, but the documents were unclear and we had some questions. They did not respond to any of these questions, so we had a lawyer review. Our lawyer responded on XX/XX/XXXX and since then, had little to no contact from BSI. Every single step of any of this transaction, we had to push and initiate from any side. At no point did BSI make any attempt to move these things along, unless we prompted them.
After we called several times from XX/XX/XXXX, XXXX XXXX, we were notified that the person handling our account had left, but that someone would help us soon. Again, we had to prompt BSI to go handle this. All this while, our account via BSI Financial login showed that we were delinquent. After calling them several times to confirm why this was, they told us not to worry about it and we weren't being reported to the credit bureaus.
Meanwhile, we have been paying the mortgage payments every single month on time. I always make at least {$100.00} in extra payments. This is my 4th home, by the way, and I've never missed a payment in my life.
As of XX/XX/XXXX, my husband and I both received credit markers for missing payments. When we contacted XXXX XXXX about this, we were told that this was no big deal. Well, if you work for an audit company or a financer, it is very much a big deal, and we do work for these categories of companies.
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| 03/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In may original loan, the payment I make a month includes the HOA fee ( I have attached a copy of this ). BSI is aware that they must pay taxes, the insurance plus the HOA fee ( I have enclosed a copy of the letter they sent to me acknowledging this ). However, I get a threatening letter from an attorney 's office representing the HOA stating that they will pursue a judgment against me for non-payment. I have been calling BSI since XX/XX/XXXX about this. Everyone I talk always claim they know nothing about this and would forward my grievance to a " supervisor, '' who does not have a name and can not ever be reach or return phone calls. BSI claimed they sent out a payment on XX/XX/XXXX, which the HOA say they never got. BSI sent ( if they sent anything at all ) to some random POBox instead of the one assigned to the HOA. They wanted me to send them the correct information in which I did ( Please see a copy of the email I sent to them ). BSI claim they never got it even though I sent it to them to the email ( XXXX ) they wanted. No one at BSI is working at any urgency to send the HOA fees to the correct place or seem to be concerned that I may get a judgment against me for money that is debited ( ACH ) out of my account each month like clockwork on the XXXX of each month. BSI 's game is that every time I call, to deny that they know anything about it, have me continuously explain the situation for eternity as NO ONE will do anything about it. BSI would much rather keep giving me the run-around and wait for the next " customer rep '' to also make the false promises that they will " expedite '' the matter to their superiors, who do nothing. If they are not paying my HOA as it part of the escrow, then what are they doing with my money? I don't understand how I can call almost everyday since XX/XX/XXXX, and nothing gets accomplished. I believe BSI is participating in fraud or just plain crooks as they taking my money and doing other things with it.rather than what they are supposed to do with it.
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| 08/25/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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in XXXX I filed for chapter XXXX because of a potential foreclosure. For 5 years we paid BSI directly for our mortgage payment. The trustee paid the company the money owed for what we were behind. In XX/XX/XXXX we successfully completed bankruptcy and creditors were paid. BSI signed off that we were now caught up and no money was owed. Then approximately a month later we received notice that the mortgage was going to increase an additional XXXX for a year due to a shortage in escrow. BSI was immediately contacted because for one they signed off no money was owed. We were current on monthly mortgage and the trustee paid arrears. BSI first stated they miscalculated amount owed for tax and insurance. This isn't true because our attorney said that our payment to the trustee needs to increase monthly to assure that all arrears were paid. We went from XXXX plus to XXXX plus in payments to trustee, this was for approximately 5 years. Since we paid the monthly mortgage payment directly to the lender the taxes and insurance were paid. The trustee was also paying BSI. There was no way that there could have been a shortage, plus they signed off that we met all requirements and nothing was owed. With the additional monthly amount of XXXX and what is currently going to escrow BSI is taking XXXX a year. When our yearly escrow is XXXX, the difference of XXXX that is being paid to BSI. On XX/XX/XXXX BSI was contacted again to see how much longer the additional payments were owed and to once again see why. The individual I spoke to was " XXXX '', he could not explain why additional money was being taken, nor could he see any arrears, and we are definitely paying too much. He acknowledged we are paying XXXX a month for escrow which is a yearly amount of XXXX. The escrow is XXXX a year, therefore there is a XXXX over charge. No one can give us any answers they just keep taking the money. With the way the economy is, it's difficult to pay extra money when i don't have too. I hope someone can help us.
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| 04/01/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was unemployed during Covid however I spoke with BSI financial that we agreed on making payments they told me they will send me packet to sign which I did not receive then though I started going back to my job since XX/XX/XXXX my hours were but I was making lot less then during Covid time my husband also got XXXX, but he recovered, o was the only person working I didnt ah w enough money to pay bills and fees my family I was going through XXXX I went to see a doctor an s they have me XXXX XXXX my helath condition was bad then back howm my mom got Covid and she was hospitalized I rushed to go back home as my family sent me plane ticket during that time XXXX XXXX XXXX XXXX called and I explained her my situation she assured me once I get back she will call me and I can start making payments I came back and on I tried calling her an sNSI they kept me on hold and since then they did not call me back I was never got hold of XXXX I kept emailing and calling her and bsi customer service that I want to start making payments instead of responding to me they sent me letter for fire closure they didnt try to resolve my loan issue I dont want my house to go on foreclosure Im ready to pay I have no idea where to go I never got this kind of issue I have been home owner since XXXX and I was nit even late on single payment this is the new house o got as I sold my old house due to divorce and I could not afford big house Ive been struggling with divorce and nit Covid please help me and have my Morgatge company resolve my issue, o could nit get hold of my Mortgage instead they just keep sending letter but never get to talk to real person Im on FHA loan I should get help from them too please help me Im desperate I cant lose this house. This is the last hope I have. Im trying to work and survive barely getting back on fy feet and this situation is again stressing me out. One of the worst morgage I had to deal with so please have them call me and resolve this issue. Thank you all not understanding.
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| 08/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is in reference to complaint # XXXX. The company 's response is incorrect ( copied attached ). I continued to make my payments because when I initially requested financial assistance for my account in XX/XX/2020, it was XXXX XXXX that I originally spoke with. XXXX stated that XXXX XXXX would be contacting me to provide me with more information and get me started. I didn't hear from XXXX until XX/XX/2020 after leaving several messages. After speaking with XXXX XXXX on XX/XX/2020, regarding the forbearance and filing the initial complaint, I received a call from a BSI Customer Service Representative named - XXXX on Monday, XX/XX/XXXX between XXXX - XXXX PST. She stated " after their investigation if they remove the forbearance reporting from the credit reports, our XX/XX/2020 mortgage will report as 30-days late, " so I responded " leave it '', she confirmed " so you want us to leave it '' and I responded " yes ''. Since then I have spoken to two different customer service representatives and requested the tape be pulled from my conversation with " XXXX '' on Monday, XX/XX/XXXX. In addition, I received an email from XXXX XXXX ( attached ) stating that our XXXX, XXXX, and XX/XX/2020 payments were all paid as agreed within the grace period and the forbearance status has been removed from the account. Nowhere in that letter does it say " your account will be reported 30-days late for XX/XX/2020 if the forbearance status is removed ''. In addition, our mortgage was paid in full ( documentation attached ) on XX/XX/2020, not XX/XX/2020, therefore, there should be no interest accrued on this loan past XX/XX/2020. As far as the call from XX/XX/2020, it was not communicated why those funds were not drafted only that it was not processed. I took responsibility for that because I was in the hospital at the time I made our XX/XX/2020 payment and during that call on XX/XX/2020, XXXX XXXX offered to waive the {$25.00} dollar fee for that reversal that was never waived. It was paid by me.
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| 05/31/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Older American |
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The service provider BSI financial has refused to provide a payoff letter for the refinancing and/or sale of subject property. In fact because of their inactions and refusal to act appropriately in under state and federal law. They have decided to force the property into bankruptcy. Additionally, documents show that there is an a fraud going on with the escrow account. Based on a letter from the provider, there was {$9000.00} in overage and an escrow account. The BSI refused to pay the taxes on the property even though the funds were in their account. Now all of a sudden the account is down to about {$3000.00}. Only thing done is they took money for themselves. They have constant lies about everything. They obtained a judgment for {$470000.00} in XXXX XXXX supreme Court. However of that is {$64000.00} in legal fees. They have given us numbers of {$470000.00} and {$530000.00} roughly and everything in between. The law firm has made accusations against a home inspector and made accusations against the law firm representing the property in bankruptcy. They have made false and repeated statements including claiming payments were not being made post bankruptcy file when yet they were. Now they claim they're only owed {$490000.00} but yet refused to give a payoff. You need to look at this case if you're really there to help us out. They also made statements to the bankruptcy attorney that they will do everything to ensure that the landowner is not successful in refinancing and or selling the property. This is proven by the fact that a plan was offered to sell the property to make the bank whole. The bank opposed the sale which would have happened within a 14-day period. They demanded the court that we seek a higher and better offer. When is it the business of the bank if they're paid in full to ask for anything more than what they're entitled to. They have done nothing but cause stress aggravation and defrauding the landowner of their rights under federal and state law.
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| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, my mortgage was transferred to BSI Financial Services. BSI is a mortgage servicer located in XXXX, Texas. As the mortgage servicer, they are responsible for paying my insurance and taxes.
My insurance payment was due in XXXX and I had to navigate assisting BSI with paying the insurance. Unbeknownst to me, my property tax payment of {$3400.00} was also scheduled to be paid in XXXX. On XX/XX/XXXX I called BSI to inform them that they had not paid my property taxes for XXXX. I was told by a representative that they were behind with paying property taxes and it may take a couple weeks to make a payment. I was not satisfied with that answer so I called back, spoke to another representative who told me she would expedite my claim and my taxes " should be paid. '' I informed her that because the payment is late it has incurred interest and the balance is {$3500.00}. She informed me that the late payment fee would be incurred by BSI. On XX/XX/XXXX, I called to get an update on payment, I was informed by a representative that no payment has been made and he will send an email to the escrow department regarding non payment of my XXXX taxes. When I asked to speak to someone in escrow, I was told they don't speak to customers. I explained to the representative the seriousness of my taxes not being paid and as a result, a lien could be placed on my property. I was told all he can do is send the email. It should be noted that I have the money in my escrow account to pay the taxes.
BSI is a company that has a reputation for acquiring mortgage loans and not paying insurance or taxes in a timely manner. As a result, the homeowner is left having to cover the penalties for late payment. In XXXX, BSI was sued for faulty handling of mortgages, insurance and tax payments. Unfortunately, they are still continuing with the mishandling of paying consumer bills in a timely fashion. As a result, the consumer is left to deal with the consequences of late or non payment.
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| 01/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I tried XXXX times to request an appraisal on my home to cancel my XXXX, but BSI Financial was unresponsive or provided false information. Now that BSI Financial has agreed they need to end the XXXX on my home, they have not removed the XXXX from my monthly payments, have not responded to my phone calls or emailed requests for contact, and have not provided me a full letter verifying that XXXX is removed.
I reached out to BSI financial in writing on XXXX occasions and received either verifiably false information or was ignored when I requested removal of my XXXX due to the Loan-to-value amount of my home and 2 years of on-time payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was advised by BSI financial teller XXXX ( # XXXX ) that I needed to " read the XXXX XXXX XXXXules '' because I was not eligible based on those XXXX qualifying conditions. I advised him I was eligible, and I did read the rules, which is why I called. XXXX then advised me to write to the wrong email address. I wrote again on XX/XX/XXXX to advise that I would be filing a consumer complaint and received a call to set up an appraisal. My appraisal occurred, and valued my home at an amount that would remove XXXX. On XX/XX/XXXX I wrote to XXXX requesting a response within 30 days of my appraisal, as required by XXXX XXXX, since they had not responded within 30 days of the appraisal. On or about XX/XX/XXXX I recieved a letter stating that my XXXX would be canceled, based on the information attached to my cancellation letter. There was no information attached to my cancellation letter. I wrote to BSI Financial on XX/XX/XXXX to tell them I needed the second page of my letter. They did not respond. On XX/XX/XXXX, I went into my online BSI portal and saw that my mortgage was unchaged even though my XXXX should have been removed. I wrote to BSI financial again that same day requesting they call me with their plans to proceed, and to remove XXXX. I have not received a response.
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| 06/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, my wife and I sold our home. Our mortgage had been held by BSI Financial. To facilitate the close of the home, a payoff quote was obtained. I noticed that there was an " Unpaid Fees '' item for {$1600.00}. My wife and I never missed any payments and were unsure of the source of this fee. I contacted BSI and was told that this fee was for an appraisal done in XX/XX/XXXX for a partial release. My wife and I had looked into this and did authorize the appraisal, but ultimately decided to wait until we sold our home to split the land.
The appraisal was done by XXXX XXXX in XXXX, UT. We were very impressed with them and paid them to do an appraisal in preparation for listing our home. We were charged {$450.00} for the appraisal. Moreover, BSI Financial 's website says appraisal fees run from $ XXXX {$550.00}. With these two bits of knowledge, I was confused about the {$1600.00} charge. Through email exchanges, all I was told by BSI was that the third party, XXXX, that facilitated the appraisal had charged them the {$1600.00}. I contacted XXXX XXXX and was told the amount billed to XXXX was not that high. So, I contacted XXXX. They told me that on XX/XX/XXXX, BSI Financial approved a fee increase from the amount billed for the appraisal to the {$1600.00}. I was told that any further questions needed to be directed to BSI Financial.
Unfortunately, BSI Financial never responds directly to my questions and is never transparent. They would have known that they authorized this fee increase, but did not tell me about it. Furthermore, they intentionally chose to charge me, a faithful payer of my mortgage, more than {$1000.00} above what they were likely billed by XXXX XXXX, all for the purpose of making more money and taking advantage of me. I have provided this information to BSI Financial and informed them that I will get an attorney involved if they do not resolve the issue. I have not heard back from them as of the writing of this complaint.
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| 06/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was sold from XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, around XX/XX/XXXX. The servicing was transferred from XXXX XXXX to BSI Financial in XX/XX/XXXX. XXXX XXXX removed all funds from the escrow account just prior to the transfer, both parties failed to notify me of the transfer, and XXXX XXXX kept the first 2 mortgage payments owed to BSI Financial, instead of forwarding them to BSI. BSI Financial has failed to credit me for 20 mortgage payments that have been provided to them in the form of personal checks and cashiers checks. There are 5 unapplied payments from XXXX, 11 unapplied payments from XXXX, and 4 unapplied payments from XXXX. Their unwillingness to credit payments received forced me to place future payments in a separate escrow account. BSI has been unwilling to provide a legible accounting, discuss the accounting, credit the unapplied payments, or correct their accounting, and forced me to file a lawsuit in state court, case # XXXX-XXXXXXXX XXXX XXXX BSI failed to answer any interrogatories requested within the case or provide any documents. State Court allowed all causes of actions against BSI including multiple RESPA violations, to proceed. I filed a Motion to Compel against BSI for failure to provide discovery. Subsequently, BSI removed the case to federal court on XX/XX/XXXX, and the case # changed to XXXX. BSI Financial continues to manipulate the system and add exorbitant attorney fees and costs to my account. BSI Financial is in violation of the CFPB Consent Order # XXXX dated XX/XX/XXXX, in which they promised " to establish and maintain a comprehensive data integrity program to ensure the accuracy, integrity, and completeness of the data for loans that it services, and implement an information technology plan to ensure BSI 's systems are appropriate given the nature, size, complexity, and scope of BSI 's operations. '' They continue to commit the same violations, and BSI Financial must be held accountable.
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| 11/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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On XX/XX/XXXX I sent an email explaining that I was frustrated because I had tried ( XXXX ) checking accounts, ( XXXX ) savings account and a bill pay through the local grocery store and every time my money would be removed from my bank account for about 3-5 days before being returned.
At that point the last payment they processed was for XXXX and I needed to pay both XXXX and XXXX and at that exact moment I had all of XXXX and half of XXXX to give them due to an unexpected car expense.
I got an automated response to my inbox on their website telling me the name and extension of the person assigned to my account to call. I called, got a regular representative who told me she couldnt help me/take my payment and transferred me to the voicemail of my assigned person.
I never received a call back.
I forwarded my original email with an update on no follow up on their part again on XX/XX/19, after making multiple calls to their number and never being able to reach my assigned person.
They once again sent me a message on their website with a new person to contact. I called again, and the regular CS agent let me know they couldnt help me and again forwarded me to the right persons VM.
I waited a couple of days and still nothing.
My last time calling, I was on hold for over an hour before reaching a person who told me that no one in that department works that late but she would try to find someone for me to talk to. I was on hold for about 10 mins before she returned, told me she found someone to transfer me to, where I then sat for approximately 20 mins while the line went between ringing and hold music, before sending me to a VM.
As of today : No one from BSI has reached out of me aside from the automatic messages sent through their website, I have not been able to pay my XXXX, XXXX, XXXX or XXXX mortgage payments and am starting to get harassing texts and calls about people wanting to buy my house before it goes into foreclosure.
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| 06/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, XXXX
In XXXX, BSI Financial acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to BSI to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, BSI continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX.
In XXXX, by mortgage loan was transferred from BSI to XXXX XXXX. Like BSI, XXXX XXXX also sent me a bill for {$1200.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX XXXX XXXX to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the City of XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.
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| 03/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial Services ( BSI ) has made multiple errors and violations of federal law while servicing my home mortgage. In less than 2 years since BSI acquired my mortgage, BSI has : ( 1 ) illegally failed to make the XXXX annual insurance payment on time ; ( 2 ) illegally failed to make multiple Washington, D.C. property tax payments on time ; ( 3 ) illegally paid D.C. property tax penalties and interest out of my escrow account ; and ( 4 ) as a result of its delinquent property tax payments, caused me to have a remaining balance for my XXXX property taxes.
I have spoken to the BSI customer service department twice. In both cases they were unable to explain why these errors occurred and why they have failed to correct the problem. The customer service representatives refused to escalate my call to have these matters remedied. During the second call, I was advised to submit my concerns via email, and my account would be flagged for a response within 48 hours. I provided an email with all relevant facts and supporting documentation on XX/XX/XXXX and have not received a response as of the date of this complaint.
I have made 100 % of my mortgage payments on time and in full.
BSI and the CFPB entered into a consent order on XX/XX/XXXX. The consent order requires BSI to maintain serving systems, policies, and procedures reasonably designed to ensure it can ensure accurate and timely disbursements on all escrowed loans. The issues we have experienced with BSI demonstrate that whatever policies it has in place are not sufficient to ensure timely disbursement on escrowed loans, and BSI is in violation of the terms of the consent decree. BSI 's actions violate the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq. ) and Regulation X ( 12 CFR Part 1024 ), and they constitute unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act ( 12 U.S.C. 5536 ).
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| 02/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2023 I closed on a house and the funds to pay off the mortgage were sent to BSI Financial through the title company 's bank. 12 days later, BSI returned the funds. The bank verified the info and resent the funds. 10 days later, BSI returned the funds again. The wire listed the loan number, name of holders of loan, address of property. After several phone calls, BSI confirmed that wiring info was correct and that they had received the funds all 3 times. They are saying that not all the info is on the wire, but it follows the wire instructions provided by their company, gives the loan info to locate the loan, and pays off the mortgage in full, and they were able to identify the wire as being associated with my mortgage. BSI is refusing to accept the funds, will not talk to the title company or sending bank, is telling me they see the money but will not apply the funds and will not tell me why. After many phone calls, they are now saying the sending bank is missing info which is not correct and not listed as necessary info on their own payoff instructions for wiring funds. They are also holding the funds for at least 10 days or more at a time before returning the wires and are saying they are going to hold this 3rd wire for 10 days as well, all while charging me interest for at least 32 days total. All I want to do is payoff my mortgage and BSI Financial is refusing to allow me to do so. They have verified they received the funds and verified the info is there. They are making excuses that my full name is not on there because both borrowers share the same last name and the wire lists XXXX XXXX XXXX XXXX rather than XXXX XXXXXXXX and XXXX XXXX. It is clear that this lender is more interested in charging undue interest and are refusing to lose this loan by having it paid off. They also refuse to escalate the issue and hang up on me when I ask to escalate the issue.
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| 05/28/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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Dear CBPB, XXXX XXXX XXXX, which was my original lender for my FHA loan ( XX/XX/XXXX ) granted me a temporary mortgage modification after I had been laid off in XX/XX/XXXX.
I had been able to make regular payments on my mortgage at the modified rate for almost 2 years.
The loan was sold to XXXX XXXX XXXX XXXX, again as an FHA Loan, in XX/XX/XXXX. After working with them on a loan modification they refused to cash the mortgage checks and returned them.
When I asked about this they insisted that I not make payments while the modification was underway. The initial request for a modification with XXXX XXXX XXXX XXXX was denied, by which time my circumstances had improved somewhat with my self owned business beginning to pay better.
I reapplied, and while in the middle of that application process, the mortgage was sold to XXXX XXXX in XX/XX/XXXX. This time the loan was converted to a conventional mortgage.
Starting all over again with XXXX XXXX, they too insisted on not accepting partial payments while a modification was underway. While trying to work with them the loan was sold to XXXX XXXX XXXX in XX/XX/XXXX.
Most recently the loan was sold to BSI Financial Services in XX/XX/XXXX.
I am now with our fifth mortgage service company. The payments remain unpaid due to BSI refusing to honor the original loan modification or any payment that isn't the full amount past due owing, approximately according to BSI, {$170000.00}.
Having already gone into default on this loan, and being in foreclosure is causing XXXX and XXXX within the family.
I do not want to end up homeless despite our best efforts to work with the numerous mortgage companies.
I want to remain in the house and retain possession of our home. I look forward to your prompt review and resolution in our favor.
Please let me know if I can provide any more information that will assist in your decision.
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| 10/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I have a mortgage through BSI Financial on my condo in XXXX XXXX, Alabama. The mortgage payment has been {$2900.00} each month and is automatically drafted from checking account.
On XX/XX/XXXX, BSI Financial drafted {$5100.00} ( {$2100.00} more than what my normal payment ) from my checking account. When I called to find out why they drafted so much, they informed my that they applied a forced place flood policy to my escrow- despite the fact that we already provided the policy to BSI Financial. During my call, I emailed the policy to the customer service agent and she indicated that a new escrow analysis will be completed and my payment would be updated within 5 days.
After my call with BSI, I called my bank XXXX Bank XXXX XXXX ) and had them reverse the payment to BSI since it was incorrect. XXXX did in fact reverse the payment for me on XX/XX/XXXX.
Since then, I have called BSI multiple times per week ( sometimes multiple times per day ) to have my XXXX payment amount updated so I can make a payment. I can never get a consistent answer from anyone at the company. I've been told to simply wait longer ( despite the fact that I'm incurring late fees ), I've been told they still don't have my flood insurance policy, I've been told the escrow analysis was complete, then told the analysis was never done, etc.
I've spoken to a supervisor- XXXX XXXX- who gave me his direct email address. I've emailed him multiple times ( as has my wife ) trying to get a resolution to this. He hasn't responded to any of our emails.
I simply want to make my accurate mortgage payments without late fees. We're now in XXXX and my XXXX payment will soon be due on top of my XXXX payment, and I have no confidence that it will be accurate either. I need help getting BSI Financial to provide an updated escrow analysis and updated mortgage information so I can make my payments to them.
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| 06/30/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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BSI Financial calculated our XXXX property tax as MUCH more than it actually is. As a result they completely drained our escrow account and then proceeded to overcharge us on the mortgage for three months effectively eating our savings. During multiple emails through the chat site of BSI website, and multiple phone calls I have attempted to resolve this issue with them personally. In order to have our mortgage brought back down to our contracted rate, as well as have our escrow balance refunded. I have received proof which I will attach to this complaint, from my county auditor 's office showing that their calculation of my property taxes was immensely incorrect and they should not be overcharging me. Even with all my attempts to solve this problem directly with my mortgage company they have been exceedingly unhelpful and unwilling to cooperate. Even when I have pointed out to them the multiple lawsuits over the last just four years against them and settlements they have had to pay out for doing this exact same thing. IE : incorrectly calculating property taxes, failing to pay home insurance but saying they have, etcetera. and overcharging on mortgages to other people. They deny and state that they're not doing anything wrong they do not have to refund me they're charging me the correct amount and they just are in complete denial about all the proof that I have found against them.
Throughout the entire COVID pandemic and the entire time we have owned our house, since XX/XX/XXXX, we have never been late and have never missed a mortgage payment. However due to the fact that we are low income household with XXXX children, my savings for six months worth of mortgage got eaten up and under three months because of what they've done. Now I am a month behind on my mortgage and in jeopardy of my credit score being affected as well as being closer to foreclosure each day.
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| 11/03/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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Our mortgage, which was initially through XXXX XXXX XXXX, has been in an approved Covid forbearance for several months, and we had agreed to a partial claim on the property allowing us to tack the past amount owed onto the end of the loan, in plans of resuming our regular monthly payments starting in XX/XX/2021. This was all documented and approved by XXXX XXXX. However, beginning on XX/XX/2021, the loan was transferred to BSI financial services without our knowledge. When I attempted to call XXXX XXXX to make my payment, I was informed that our balance was XXXX and I would need to contact BSI. In doing so, BSI informed me that they were unable to take a payment from me at that time and that I would need to wait until all documentation was received by them before we could move forward with payments. They also requested a self authorization letter from us to allow them to speak to me regarding the account, which was sent to them via email. Since then, we have been informed that they have no knowledge of the forbearance or partial claim which was approved by XXXX XXXX XXXX. We have also received a certified letter stating that we are in default to BSI for the amount of almost {$17000.00}. I have a maid multiple phone calls per week over the course of this month to both companies trying to correct this error. XXXX XXXX has assured me all of the documentation has been sent and everything was approved prior to the transfer. BSI insists they do not have any documentation entailing these arrangements. We are now in danger of foreclosure on our property if we do not correct this matter. I have left several messages with my point of contact at BSI, with no return phone call. XXXX XXXX loss mitigation department has even attempted to contact them on my behalf multiple times. I am at a loss of how to correct this matter and avoid foreclosure activity on our property.
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| 11/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Please refer to complaint XXXX SUBMITTED ON XX/XX/2022 Started the process of a loan modification recast on XXXX XXXX XXXX XXXXXXXX XXXX in XXXX with a one time payment of {$200000.00} that was posted XX/XX/2022. We were told the process of the recast would take a few months. As the process started, BSI Financial customer service including XXXX XXXX ( via secure messaging ) reached out that we needed the escrow balance to paid in full to cover for insurance and property taxes. The escrow payments were paid immediately, same day as we received notice ... and then we waited. The wait on response carried on from between XXXX then we received email notification that the documents would be sent out via XXXX for signature to complete the recast process. We were also provided the new mortgage payment amount of {$1800.00}. We waited for documents but no documents were received. We would respond to XXXX XXXX and customer care at least once a week for a status update. As time went on, we remained patient. No response, no documents, and the email communication with XXXX XXXX was silence. As I write this on XX/XX/2022 no response, no emails, no calls from anyone from BSI financial. We do make best effort to call a few times a week, hoping to talk with XXXX XXXX, his supervisor XXXX XXXX, or their manager XXXX XXXX. XXXX XXXX was the assigned agent when we started the process in XXXX, XXXX. To this day, we have been making monthly payment in the amount of {$1800.00} but are anxious-worried about the recast not being finalized and perhaps we can help others in the same situation. Sincerely, XXXX XXXX XXXX XXXX Mobile XXXX Property Address XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX An attachment was posted on the previous complaint but we are unable to open the file. The mortgage company has not reached out or resolved the loan modification since starting the process.
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| 10/27/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX a XXXX XXXX dated XX/XX/XXXX was delivered to my current home with multiple errors. These errors include amounts paid by XXXX XXXX including too much with overages ( greater than {$2000.00} ) for insurance, incorrect property location including town, township, XXXX XXXX, incorrect tax assessment amounts, incorrect escrow due, and payments for any town taxes were made to XXXX XXXX XXXX XXXX XXXXXXXX XXXX which is completely incorrect as my home is located in XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. After speaking to the XXXX XXXX tax collector, XXXX XXXX, no payments were received by said XXXX XXXX, and no documentation of tax receipt or payment were received by XXXX XXXX XXXX collector. In addition, I have contact my home insurance company, and they have only received the correct amount of payment based on my policies, yet, the escrow is completely inaccurate and negative thousands of dollars. I have called XXXX XXXX on XXXX occasions- starting first in XX/XX/XXXX, then starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. All calls have been without resolution, XXXX calls to include on XX/XX/XXXX and XX/XX/XXXX were forwarded to voicemails in which do not register with any employee. Not XXXX return call has been received, no return correspondence have been completed by the company, not XXXX issue has been addressed or corrected. Per the escrow analysis received on XX/XX/XXXX the mortgage amount is to increase from the CORRECT {$980.00} per XXXX to {$1400.00} per XXXX due to XXXX XXXX errors on the entire account. Not XXXX associate has connected me with anyone to fix any issues on the account and we are going to lose our home due to not being able to afford this huge increase on the companys behalf based on the companys errors when they incorrectly processed everything. Please help!
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| 12/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My complaint concerns a mortgage with BSI Financial Services. On XX/XX/2021, BSI deducted {$4100.00} from my mortgages escrow account to pay property taxes in Washington XXXX DC. But BSI placed the wrong lot/parcel number on the payment, meaning that the amount was NOT paid for my property. BSI paid taxes for a property with lot number XXXX, but MY property has lot number XXXX. I became aware of BSIs mistake in XXXX 2021, called the company several times to investigate the problem, and worked to set the record straight. BSI proceeded to pay my propertys taxes by deducting another {$6500.00} on XXXX/XXXX/2021 from the mortgage escrow account so that my property taxes are now up-to-date.
The problem? BSI has not refunded my escrow account the {$4100.00} that it had paid in error to lot number XXXX. As a direct result, my escrow balance is significantly negative ( - {$2600.00} ) and for the year ahead BSI is increasing my monthly payments by a whopping {$410.00} to cover the escrow account deficit. In other words, BSI is passing the cost of their error directly onto me by deducting these tax payments -- whether for my property or not -- from the escrow balance.
BSI has not been helpful in resolving this problem. Every time I call the company, I am told that the issue is getting flagged for the tax department but I am never allowed to talk to the tax department directly in order to get even a simple confirmation that my case is under active work. Nor am I allowed to talk with a supervisor despite the customer service representative saying that s/he is consulting with a supervisor. I also receive reassurances that I will be called back with an update but that has yet to happen. I say this having called BSI at least 20 times and literally having spent hours trying to resolve the issue by phone. Emails go unanswered or vaguely answered too.
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| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have submitted additional payments to principal and every time there's a problem. The first time was on XX/XX/23 and XX/XX/23. When I submitted my monthly payment of {$1500.00}, I added an additional payment to principal of {$2000.00} for a total of {$3500.00}. I expected the website to indicate that the transaction was complete. When that didn't happen, I waited for an email. Since I didn't get one, I resubmitted the next day because I thought it didn't go through. I still received no response, but a couple days later, I noticed that both charges showed up on the website 's transaction history. I emailed them through their website but never got a response. I then called and asked them to apply all of the second payment of {$3500.00} to principal. I also asked for email confirmation but they said they aren't allowed to send confirmation via email and to check the website. When I checked, nothing had changed, so I called again. They had no record of my previous call so I asked them to do the same thing. They didn't do it again. Instead, they sent a refund of the whole amount.
On XX/XX/23, I did a one-time payment of {$20000.00}. When the transaction went through, they had automatically added XXXX so they amount the took out was {$21000.00}. I assumed that meant they wouldn't take the auto payment on XX/XX/23, but they did. So, they double-charged me for the month of XXXX. I called and told them to apply the second payment to XXXX and then I turned off auto payment. When I logged in on XX/XX/XXXX, it said my payment was due. I called to see if they were going to cover it and XXXX they said there was no record of my previous conversation, so I went ahead and paid for XXXX so they couldn't try to charge me late fees. I now have 2 payments for the month of XXXX and it looks like they took out interest and escrow money from both of them.
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| 10/26/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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on XX/XX/2021 my mortgage was sold to BSI financial i was in the process of a loan modification due to XXXX forbearance. I had signed and sent back my modification to XXXX XXXX XXXX and received back the signed legal documentation of the agreement that it was complete. During this process my mortgage was sold. I kept making my agreed upon payments to BSI. Then I received notification that I was owed money on the account due to ( covid forbearance ) and was never told that my monthly payments were not going towards my principle but money i owed that i didn't know i owed ( Wich is why I'm having issues with modification ). I called them and explained I had a modification with previous company they claim XXXX XXXX never sent the paperwork, so I Emailed it to BSI then they proceed to tell me after BSI reviewed the modification its invalid and they won't accept it. I was never notified by BSI financial of any issues when they took control of my mortgage or that we would come up with a new modification BSI decided on their own to send me a modification that was incomplete and gave me a higher interest rate and brought my payments up {$400.00} dollars and the paperwork was incomplete the escrow wasn't included in the monthly payment. After trying to contact them endless amounts of times via email and phone calls leaving countless messages and no call backs finally got XXXX with BSI they said they could work with me and bring the payments down which to no surprise it didn't was the same thing trying to call and speak to someone is impossible now I'm in danger of foreclosure. this company doesn't want to work with people they just want to put them out of a home. I would like to note that I've been researching them and there has been lawsuits against them for not honoring modifications that were agreed upon from previouse mortgage companies.
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| 04/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI is violating the terms of the CFPB XXXXonsent order https : //www.consumerfinance.gov/about-us/newsroom/bureau-settles-bsi-financial-services/ specifically : " Handling mortgage servicing transfers with incomplete or inaccurate escrow information resulting in untimely escrow disbursements ; Inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners ' insurance premiums ; '' Clearly BSI continues to mismanage escrow disbursements, and CFPB needs to investigate BSI for ongoing malfeasance.
As an example, my current situation relates to an ongoing issue which BSI refuses to acknowledge - either through incompetence or willful ignorance. My impound account shows three debits of {$2500.00} for property tax ( actually four debits and one credit - all for the identical amount- so the net number of debits is three ). However, only two tax payments should have been made at that dollar amount. This means that there is an ERROR IN THEIR ACCOUNTING FOR MY IMPOUNDS. They should also investigate POTENTIAL FRAUD OR EMBEZZLEMENT from within BSI - since there is no reasonable explanation for the debit, and their ongoing reluctance to address this problem is clearly a concern. The attached documents are : - copies of my property tax bills showing dollar amounts and that only two payments of {$2500.00} were needed. - a copy of BSI 's prior response, the final page I have highlighted FROM THEIR RECORDS the property tax payments at issue.
Also an image of my XXXX tax bill showing XX/XX/2020 tax dollar amount - further proof of BSI 's efforts to misinform ( i.e. also attached tax record proof that XX/XX/2020 taxes were paid XX/XX/2020 - SIX MONTHS BEFORE BSI WAS EVEN SERVICING THE LOAN. but none of that matters since my taxes were up to date BEFORE BSI bought my mortgage )
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| 02/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage lender is BSI Financial ( https : //www.bsifinancial.com/ ) and not by choice. 1 month after buying our new house XX/XX/XXXX we were automatically switched to BSI after starting with XXXX XXXX XXXXXXXX ( XXXX ).
I received a delinquent tax notice XX/XX/XXXX from my county department of taxation/budget/finance saying my property taxes were not paid XX/XX/XXXX and we now have accrued a late charge.
I contacted BSI and they could not explain to me why it wasn't sent back in XX/XX/XXXX, but that they would make sure they do it. They sent a check for XXXX on XX/XX/XXXX, after the tax notice came through, even though now XXXX due to the late charge.
I am upset that they did not pay my property taxes on time in XX/XX/XXXX. Because they use a 3rd party to send the money, BSI can not give me an estimate as to when the county government will receive the property tax payment. Another late fee will be charged in XXXX. I called the govt office today, they have not received the XX/XX/XXXX payment from them as of today.
I am frustrated that I am paying this mortgage lender plenty of money to make sure taxes are paid and they did not do it. BSI says they will pay for any late charges accrue due to this, but ultimately I know I still pay for it in the end. I am sure an escrow analysis will be done next year and it will show that there were not sufficient funds to cover XXXX taxes so they are charge more for escrow. They are also going to report it as ME BEING the reason the taxes are late to credit bureaus and it can not affect my credit score.
The problem with these mortgage companies is it's hard to get out of the contract without having to dump a lot of money in another one to refinance.
Again it's completely frustrated that I am the one suffering the consequences for no reason whatsoever.
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| 10/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We recently refinanced our mortgage and were transferred to BSI Financial. Our first payment we tried to make was on XX/XX/XXXX through their online payment portal. We received a confirmation number and never heard anything else. Usually my mortgage payments get taken out right away and says processing for the amount until it clears. It never happened with BSI so I checked my bank ( XXXX XXXX XXXX ) and called them and they said that they never had any record of BSI trying to take a payment. I called and they said it could take up to 10 days to process. I called back on XX/XX/XXXX and they said that I had been charged a return check fee. I had no notification of this and in the portal it said my payment had gone through XX/XX/XXXX and that my next payment wasn't due until XX/XX/XXXX. When I called the second time on XX/XX/XXXX, I asked why my first payment did not go through. The lady mentioned that in the notes it said that the number was wrong and told me to pay again. I did and she said it would process by Monday XX/XX/XXXX. I called for the fourth time on XX/XX/XXXX and the woman on the line walked me through the routing number and account number that I used that she could see on her end. It matched my account perfectly. She even mentioned that she had no clue why it would have bounced and said maybe it was something on XXXX XXXX XXXX 's side. She got me a waiver for the phone payment and ran the payment for me again. I called XXXX again after my 40+ minute phone call with her and they said that it is XXXX XXXX so the mortgage department is closed at XXXX but she said they had no record of any transaction or attempted transaction. I am beyond frustrated and just want to pay my mortgage. I have never had a single fee or a late payment and we are getting dangerously close to that point.
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| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In brief, BSI Financial has failed to make property tax payments due from the mortgage escrow account it manages on my behalf.
BSI acquired my mortage from the initial issuer with effect XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I provided them with documentation of our homeowners insurance policy and property tax obligations and asked for confirmation that they would make scheduled payments from the escrow account they manage. I did not receive a written response after multiple follow-ups ( see email thread attached ), so called and was told verbally that the next payment, a property tax payment due to XXXX XXXX County no later than XXXX XX/XX/XXXX, would go out on that date.
BSI did not make this payment, as a result of which XXXX XXXX County assessed a 10 % penalty fee. I confirmed with BSI that they had failed to make the payment and was given verbal assurances that they would make it immediately and cover the penalty fee themselves. Two weeks passed without any response to my request for confirmation that they had done so. On XXXX XX/XX/XXXX a BSI representative stated in writing that they had issued payment to XXXX XXXX County on XXXX XXXX for the tax due, including the 10 % payment which they covered as a separate check. I confirmed through BSI 's web portal that my escrow account had been debited by amount of the original ( pre-penalty ) tax obligation. As of today, XXXX XX/XX/XXXX, my property tax payment including the overdue penalty is still outstanding according to XXXX XXXX County.
As things stand today, BSI has thus debited my escrow account but failed to pay the property tax due or the overdue penalty incurred as a result of its failure to perform. BSI 's representative has also ignored my repeated requests for a written acknowledgment of the history of this interaction.
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| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I filed for a grievance of my taxes and they were reduced from {$16000.00} to {$14000.00}. Due to COVID, it took some time for XXXX XXXX to submit a proper reduced tax bill. I have been trying to get an escrow analysis since XX/XX/XXXX. My loan was transferred for servicing from XXXX XXXX XXXX XXXX to BSI Financial Services on XX/XX/XXXX ( # 1 ). My escrow on transfer was {$9900.00}. On numerous occasions, I have contacted both XXXX and XXXX via telephone, via email and in writing. Since the transfer in XX/XX/XXXX, I have spoken with XXXX several times, sent many emails and a qualified written request for an escrow analysis on XX/XX/XXXX ( # 2 ). A copy of my updated tax bill was submitted via email in XX/XX/XXXX, which should have been supplied by XXXX to XXXX. With my first payment in XX/XX/XXXX, I sent a letter with the correct tax bill and a request for an escrow analysis. My annual taxes are currently {$14000.00} ( # 3 ). The first half taxes were paid on XX/XX/XXXX in the amount of {$7100.00}. There is currently an escrow overage of {$9800.00} ( # 4 ) they are not releasing. I pay for my homeowners insurance, which they requested I pay for the year in full and have provided them the policy paid receipt on XX/XX/XXXX. They then requested that I secure flood insurance and provided them that as well within the timeframe requested on XX/XX/XXXX. These insurance requests came from the same department at XXXX periodically over four months, both flood and hazard. When I spoke to them in XXXX, they should have requested the policy information within a few weeks of the mortgage transfer, not spacing this over four months. To date, six months later, I have not received the escrow analysis and my payment has not been reduced to reflect the reduction in taxes.
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| 04/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage got sold to BSI Financial towards the end of XXXX. In XXXX, we received an escrow refund check from them. I called to see if they could cancel the check and just apply it to the next year 's escrow account so that our payments would not increase. The person I spoke with told me they could do that, but then called back right away to tell me that it was too late to do anything because the escrow account had already been calculated. He also said I should call back in XXXX before XXXX ( no exact date ) to make my request. I called in XX/XX/XXXX and spoke with XXXX, who said that I had to send an email request in. I did that. I also emailed again several times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In each email, I asked to have any and all escrow overages applied to the next year 's escrow account instead of sending us a refund. I also asked not to be called back ; I sometimes have a hard time understanding people on the phone and I also wanted a response in writing. BSI tried to call a few times, but I didn't answer. They finally emailed via their secure site on XX/XX/XXXX. That email stated, " We are currently processing your request. '' I then looked on my account on the BSI site on XX/XX/XXXX to find that they had sent an escrow refund check. I emailed them again XX/XX/XXXX to make a complaint about it. I just got off the phone with XXXX, who called today ( XX/XX/XXXX ) to talk about my escrow overage request. She put me on hold for over 10 minutes and I ended up getting sent to a generic voicemail. All I wanted was for any excess money to be applied to the next year 's account so that our payments would not increase and they wouldn't even communicate with me in writing, even though they had 3 months to do so.
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| 01/21/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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The debt was paid in full as stated in amended notice of dismissal filed by BSI Financial Services attorney in case XXXX enclosed as an exhibit in this complaint.
The debt was agreed on a balance not to be less than {$25000.00} to BSI in a agreement to settle the debt which was the amount of the reaffirmed bankruptcy agreement signed by the investor and creditor in case number XXXX in the United States Bankruptcy Court XXXX XXXX of Ohio.
BSI agreed to the amount of no less than {$25000.00} in the contract and there were no other numbers or figures listed in the agreement of money still owed of any amount or forgiveness of debt. BSI has now sent the IRS a XX/XX/XXXX 1099-C in the amount of {$13000.00} debt discharged also showing {$2500.00} in interest payments made by me on the loan. This amount is not a true FACT as per the courts finale amended notice of dismissal in case XXXX the loan was paid in full by BSI own lawyer XXXX balance owed. As per the contract signed and agreed on with BSI I paid them {$25000.00} which was the original reaffirmed amount from XX/XX/XXXX four years prior. The FACTS show that per the court dismissal the loan was paid in full. This 1099-C is just an attempt of BSI or the investor of that loan to try to defraud the IRS by submitting a 1099-C for what could only be discharged bankruptcy debt from the loan cram down which would be illegal and I will have no part of it.
I have also included as an exhibit the case at which BSI lawyer petitioned the courts for the amount of only {$22000.00} which was not the amount of {$25000.00} that I paid if you were to take the interest showing in the 1099-c in the amount of {$2500.00} plus the {$22000.00} it would be {$460.00} more than BSI stated was the less amount that they would take.
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| 07/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The company BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX has given me mixed answers and refused to drop off an additional PMI monthly fee ( {$33.00} ) for my mortgage that is paid beyond the 20 % of principle balance thresh hold. When I signed the original contract for this loan, it was explained to me verbally by the loan officer that I would only have to pay this ( roughly {$40.00} PMI ) for about 2 months, seeing as I gave a down payment of 19.5 % of the principle- then it would " drop off ''. My loan was transferred ( sold from my first company to a new one ) and now I am being told a completely different story from my new servicers BSI Financial Services. From XXXX to XX/XX/2020 I've had over 12+ phone calls with them explaining that I had the right to request it be dropped. I was passed around to different agents, told to send something in writing ( a process that took them over a month to get follow up with me after ) then I was finally told that they have the right to wait until it was at the point of being forced to drop off. On XX/XX/2020 I sent a request in writing and was denied and told I would have to continue to make this payment for at least 2 years to protect their loan. Since this first request I have submitted half a dozen others and been charged hundreds of dollars despite never missing a payment and having paid within what I believe is the national thresh hold of 20 % of principle therefore reducing any risk they would carry. I am requesting additional assistance as after speaking with my loan officer and others in the lending business, I am being told that this situation sounds strange, the additional fee should be dropped, and that they may be charging me beyond what they should. Thank you for your help! I appreciate it.
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| 04/26/2022 |
Yes |
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- Trouble during payment process
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Web |
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Our current loan is with BSI Financial, it was sold to them from XXXX in XXXX if XXXX. In XX/XX/XXXX we received our regular statement from XXXX saying our next payment was due on the original date of XX/XX/XXXX for {$1300.00} which is our regular monthly payment amount. On XX/XX/XXXX we recieved a notice through the online portal that we were behind on XX/XX/XXXX 's payment. I did not see this notice because I didn't expect to be getting XXXX so I didn't look on the portal. On XX/XX/XXXX I received an Early Intervention letter stating we were {$6800.00} delinquent on our account. I immediately called BSI to figure out what was going on and was told they could see where it was paid but wasn't sure where the money went just that it happened on XX/XX/XXXX. I was also told it would be sent to a supervisor for an official investigation. Over the next few weeks I contacted BSI multiple times in hopes of a resolution but was continually told it was being looked at by a supervisor. I was also told to send in my statements and bank records showing it was paid and someone would get back to me in 7-10 business days. I emailed all of my statements and documents showing I was paid up and have received no response. It has been over a month since their investigation started and I have yet to be able to speak with a supervisor. The supervisor 's voice-mail box picks up everytime I call. I have continued to make my payment when it is due since this started. My next payment is due XX/XX/XXXX and we have racked up over {$110.00} in late fees even though our payments are not late. Yesterday we received a certified letter stating we were in the stages of early foreclosure. We have not missed a single payment on our mortgage and we have proof of every payment being made.
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| 08/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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CFPB I am so frustrated!!! I really need your help against this giant servicer.
Well Im sad to report that BSI Financial cant get our escrow payments right to our insurance company. We have to call every year for last three years to fix. They only pay one of the three policies each year. I have spent well over 20 hours ( countless emails and calls ) of my personal time and these people dont care!
Most recently I dealt with a BSI employee named XXXX XXXX an XXXX transaction management person who apologized, gave me the same old excuses, and made the same empty promises.
Loan # 1 on University : For the third year running BSI 's insurance department has screwed up the payment to my insurance company even though every year I was promised it wouldnt happen the next year and once again this has occurred. I have a tremendous amount of my valuable time ( {$240.00} hour ) getting these issues straightened out.
Loan # 2 on XXXX I just received notice on this property I have with BSI, the second of three loans, where are their firm once again 3 years running did not pay the insurance. I have had to call every three years once again because your company cant get their act together on paying our insurance. This is a two-unit property with 4 insurance policies on it. There are 2 flood and 2 fire insurance policies on it.
Loan 3 : I also have one more loan that I am not sure if they have messed up lately.
At this point I really need my three loans sold out from underneath the BSI financial services umbrella.
These people are breaking the trust we put in them to manage our very large investments our properties. Can you make them transfer us to another servicer?
I look forward to hearing back from you as soon as possible.
Regards, XXXX XXXX
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| 09/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial has charged several fees where they will not break down and itemized list of dates relevant to the fees being charged. For example uncollectable fees add up to over {$400.00}, but they won't give me specifics per each transaction.
One of the fees which has been illegally charged to me was Administrative Fees charged on. This was after a bankruptcy. I was discharged on XX/XX/XXXX.
Note the excerpt that was sent to BSI 's attorney XXXX XXXX from the Bankruptcy Attorney 's Office, XXXX XXXX ( who represented me on XX/XX/XXXX.
" She contacted me because there was a late fee applied on XX/XX/XXXX in the amount of {$470.00}. She tried to call and find out what this is but no one will discuss it with her. A Notice of Final Cure was filed on XX/XX/XXXX and no response was filed by your office. Please let me know what this late fee is for and why it was issued the same day as her discharge. I have attached a copy of the statement. Thank you. '' There was no response from the Attorney. In addition, I have continuously asked for an explanation from customer service on a recorded line as well as the Loss XXXX, XXXX XXXX for who I spoke with on the telephone on a recorded line on XX/XX/XXXX. When I gave him the date relevant to this fee, he indicated that his computer was locked and that he would have to get back to me. I gave this two weeks and sending him another email XX/XX/XXXX, I am still getting the round around with no explanation regarding the " administrative fees ''.
I am very concerned that the administrative fees was an illegal act. In addition, these other fees are not balancing to what I am being charged. I am requesting an assessment of these fees ( itemized ) and the illegal administrative fees charged removed.
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| 09/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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Web |
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We closed on XX/XX/XXXX. Shortly after BSI Financial stated that we owed additional fees and charges to close out the loan. They are holding XXXX the closing of the loan until these additional fees are paid to them. They wont respond to any communication attempts by us the customers nor from the XXXX XXXX 's representative.
XXXX XXXX XXXX representative said this is the 2nd time in 2 weeks that BSI Financial loan servicer has done this to their customers.
We have to pay the additional fees to see if they will finish their work on the loan. This is causing us extreme financial duress due to their unethical or incompetent actions in servicing our loan.
This doesnt give any guarantee they wont keep holding us XXXX, nor close out our loan.
We received multiple different PO quotes from BSI Financial, and each time the costs and fees keep changing, on top of the previous fees.
If you Contact BSI Financial for Closing make sure that faxes or email, are sent from a law firm. I'm seeking legal council to sue BSI Financial right now. They wont respond to us nor the XXXX XXXX.
When I call them, i never get through to a person, nor from the general sales rep can I get to anyone that can answer what they are doing with our closing and the reasons for the errors. They have no reasoning for the multiple increases in closing fees. They demanded additional money form the sale proceeds for the escrow that they drained for fees and charges, Also BSI Financial haven't paid the home owners insurance, which they said they paid out of escrow.
They have a history of causing customers issues. I'm not sure how this company is still in business.
https : XXXX XXXX can contact me for any closing related documents it may need.
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| 03/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I mailed XXXX payment on XX/XX/XXXX, due XX/XX/XXXX. I noticed all other checks mailed that day cleared my checking account except for mortgage payment. I called BSI Financial Services on XXXX at XXXX P.M. XXXX to find out if they had received payment and it was in processing yet. I was told payment had not been received and that I needed to make payment over phone to ensure it would not be late and have fees applied. That evening I did make a phone payment for the amount due of {$1000.00} plus {$500.00} principal. A couple of days later I checked to see if phone payment went through and noticed that the check that I wrote on XXXX cleared my bank on XXXX, the same day I called to see if they had received it and was told no. I do not believe it is possible to have received my check, process, submit for payment, and clear my bank on the same day after I called at XXXX P.M. XXXX. The phone payment cleared 2 days later and did not include the extra principal payment that I authorized over the phone, incorrect amount. It was clear from bank records that check cleared first. I believe I was INTENTIONALLY lied to in order to induce a second payment in an attempt to SLANDER my credit. I called BSI several times in an attempt to understand but not given any real answers. I asked to speak to a supervisor on several of these calls and was transferred to answering machine with messages never replied to. I am filing this complaint because these calls have been ignored and I feel there is no other recourse. BSI Financial does not seem to be a reputable mortgage servicer.
P.S. BSI Financial recently purchased my loan from my previous servicer, about 3 months, and I am always on time with extra principal payment.
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| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Mortgage Servicer : BSI Financial Issue # 1 : ======= In XX/XX/2021, I placed a request to cancel automatic monthly ACH withdrawals from my First Texas Bank account. The reason for this was a pending recast. Payment for XXXX was ultimately submitted on time on XX/XX/XXXX with the new amount.
On XX/XX/XXXX, I reinstated auto-pay for XX/XX/XXXX with the new amount.
On XX/XX/XXXX, I made the discovery that the servicer twice charged my account : once on Monday, XXXX XXXX and once on XX/XX/XXXX. I contacted the servicer to address this issue. From what the servicer advised me, the XXXX request for cancellation was temporary for XXXX month only, which is not what I was told in XXXX. I requested a refund and was denied. I was advised to contact the bank to stop the ACH withdrawal. When asked who will cover the bank charges for stopping the ACH withdrawal, they were not ready to make a commitment.
Issue # 2 : ======= On XX/XX/XXXX, I submitted a request in writing to remove PMI insurance on the grounds that the Loan-to-Value ratio was below the required 80 % due to a recent contribution to the principle. On XX/XX/XXXX, the servicer helped themselves again to the instalment and when asked for a justification - there was none.
I believe this servicer should be thoroughly investigated as it is not only myself that has similar problems. They had no authority to double dip into my account and when challenged, they could not take responsibility for their actions. When trying to resolve issues with a person who has authority to make a decisions, they are either in meetings, don't answer phone calls or communicate - leaving communication to the front line workers who are just unfortunate message carriers.
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| 03/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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On XX/XX/XXXX, I filed the original CFPB complaint to BSI Financial Services, Complaint Number XXXX. On XX/XX/XXXX, I was contacted by a representative names XXXX XXXX who walked me through getting information on a monthly basis for this mortgage account. She also advised that BSI would put together a " release of liability '' documentation package for me to take over the existing as a sole and primary borrower from remaining co-borrowers. After two conversations with BSI Financial representatives between XX/XX/XXXX and XX/XX/XXXX, I was again informed the " release of liability '' documentation was enroute. My personal information ( address and email address ) had been removed from the account, and there was NO record of my previous dealings with BSI Financial Services, and a payout for the account by XX/XX/XXXX had been ordered.
BSI Financial Services took over my existing Conventional Home Loan on XX/XX/XXXX from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. Between XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.
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| 05/10/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I have a VA Loan. They had a forbearance plan during Covid to help struggling Veterans. I was told that the VA would reduce the overall cost of my loan and allow me to miss payments for 12 months and put those payments at the back of my loan. I did not realize that the reduction was something that I had to pay back. I found out when my credit score went down with the reasoning being that I have a balloon payment that would be due in XXXX. I was devastated and it took a lot of digging before I got the VA to disclose to me where I could find out information about this balloon payment which also turned out to be a lean against my home. This information was not transparent, was not told to me verbally, and was slipped in amount a mountain of paperwork that I signed for the forbearance. The balloon payment was sold to BSI Financial Services ( Phone XXXX ). I contacted them and told them that I would like to start maying payments on this balloon payment because I would be XXXX when the ballon payment is due and if I am not alive at that time my inheritor would not be aware and would lose the home. Even if I am alive waiting until I'm XXXX would end in foreclose so I needed to be able to make payments which BSI did allow. I made an online account that shows my payments, but it does not show how much I owe or my balance when payments are made. They said they don't show account information for forbearance customers. I would like truth and lending in the form of my account information being visible, current, and accurate so that I can keep up with what I owe and have something tangible so that may inherited don't lose my home to foreclosure due to lack of tangible/visible account information.
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| 03/23/2021 |
Yes |
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- Trouble during payment process
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Web |
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When the CARES ACT was passed ; our current mortgage holder ; BSI Financial offered a COVID deferment opportunity. I was on a furlough salary reduction so my wife and I called, asked for the details, and then asked if we could apply.
They told me that it would be for 6 months, interest-free, and in the end, we could pay the balance in full or have it added to the back end of the mortgage.
We were good with those terms and asked if we could apply ; to which I was informed on the call that they didn't need any paperwork ; that it is automatically approved. I was told that they would reach out in XXXX to discuss the plans when the deferment was over. They did not.
We called multiple times in XXXX and eventually got someone on the phone. Our direct contact ( have had 4 different contacts ) never called back. They told us we had to refi with them for the balance of the outstanding debt XXXX XXXX XXXX, that we may not be approved, and that interest was accruing.
We asked to start that process in XXXX of XXXX ' and have yet to get someone on the phone to update us on the status.
We have made our full monthly payment in XXXX, XXXX, XXXX, and XXXX.
We are trying to refi with a different company to get better rates and get our this servicer.
They have refused to update the Verification of Mortgage to reflect our payments, indicate that we are on time ( says we have late payments ), and show a delinquent balance of the XXXX.
We have called multiple times and asked for this to be updated but they don't change it.
We can not refinance with another company until this is fixed and BSI won't call us back to fix the situation or refi it themselves so it is current.
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| 01/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We chose to pay down our mortgage in XXXX over several months, principal amount was {$45000.00} in XX/XX/XXXX. On the XX/XX/XXXX statement, our principal was {$710.00}, so we paid that amount, even though our monthly payments were {$870.00}. Meanwhile, the payoff statement sent from XXXX was incorrect, so we requested a new one. The new closing statement sent had a XXXX day window to send a wire to pay off, however, we were out of the country, so when we finally saw it, it was too late. We called XXXX for a new one, which we never received so we ordered XXXX online, received that and wired the amount to close out the loan.
Back to our last payment of {$710.00}, for the total amount outstanding on the loan : XXXX sent that back in the form of a check, then charged us late fees for non-payment of our mortgage. XXXX then reported us to credit as having not paid our mortgage payment when all the while we were trying to work with XXXX to correct the disputed payoff statement and pay that.
BSI has told us on XXXX separate occasions that they will refund us the late fees totaling {$87.00} associated with not making a monthly payment. So far nothing.
I submitted a request that they report to credit that our payment wasn't missed. I was told they will " consider '' it.
In summary : 1. There was a failure by XXXX to submit to us an accurate payoff statement 2. While our payoff statement was in dispute, XXXX charged us late fees, reported us to credit, saying that we didn't pay the Payoff Statement amount in XXXX days.
3. We now have a non-payment of mortgage on our credit, which XXXX " might consider '' reversing, and paid late fees which we didn't owe.
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| 03/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial was sold my mortgage by XXXX XXXX loans in XX/XX/2021. As part of this, BSI took over paying my home insurance policy from my escrow. They failed to do so.
When it came time to pay the home insurance, BSI mailed the check to an address ( XXXX XXXX XXXX, XXXX Florida, XXXX ) that is not associated with the home insurance company that provides my home insurance. I received no explanation why or how this happened. When I discovered this, right as my home insurance was about to be cancelled for non-payment, I had to spend 6 hours across 4 different days trying to get BSI to cancel the original check, issue a new one, and then contact my home insurance provider with the new information to resolve.
Upon being escalated to management ( XXXX ) on the day prior to having my insurance cancelled, management confirmed to me that they will personally contact my home insurance company with the check information upon it being issues to stop the insurance policy from being cancelled. XXXX called me the next day to confirm that this happened, however, my home insurance was STILL cancelled, and when I called them to understand what happened, the Home Insurance company has NO record of any call from BSI financial around this topic. I had to once again work directly with XXXX XXXX XXXX to address this situation, and had to work to have it renew.
tl XXXX XXXX XXXX When it comes time for BSI to pay for your home insurance, please call them to verify what address they sent it too, as it may not be the address of your home insurance company. Also, please do not trust their support/management around any actions they claim they will do on your behalf.
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| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We received written correspondence on XX/XX/XXXX, via USPS from XXXX XXXX Tax Collector indicating that our property taxes had not been paid which were due to be paid by BSI Financial ( mortgage company ) from our escrow account on XX/XX/XXXX, and late charges and fees were/are accruing.
XX/XX/XXXX, I telephoned BSI- explained the situation to XXXX who said he would forward it to their tax department. He also asked that I send by email the pertinent correspondence to XXXX XXXX XXXX which I immediately did.
XX/XX/XXXX, I telephoned again after not receiving any reply via phone or through our web portal w/BSI. Spoke with XXXX. Again, I was asked to email the information and I sent it again.
XX/XX/XXXX, I telephoned again, spoke with XXXX. He told me that his " system '' indicated that the funds had been disbursed but said that didn't necessarily mean they had been sent.
XX/XX/XXXX, I telephoned again, spoke with XXXX, and asked who in a supervisory role I could speak with the expedite a resolution to the ongoing problem. He transferred me and I left a voice mail for XXXX.
XX/XX/XXXX, I had not received a return call so I called XXXX at extension XXXX and left a voice mail.
On XX/XX/XXXX, I sent written correspondence via USPS with all of my supporting documentation to BSI at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
On XX/XX/XXXX at XXXX XXXX XXXXXXXX, I received a call from XXXX, had to explain the entire situation to him. He assured me that all would be taken care of.
Today, XX/XX/XXXX, no funds have left our escrow account. I confirmed with the XXXX XXXX Tax Collector that no monies have been received for payment of our property taxes.
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| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I recently settle with my lender BSI on a wrongful foreclosure, XXXX violations and accounting issues I agrre to drop the lawsuit. after a judge Order a ENE ( early neutral evaluation ) we settle on XX/XX/2021 these where my conditions to drop the lawsuit against us BSI and XXXX XXXX XXXX XXXXt :1 : they recinded the sale and return title to me 2 : they give {$5000.00} for compensation 3 : review for a loan mod 4 : reduce my principal from {$470000.00} to $ XXXX forgive attorneys fees around $ around XXXX after all this I agree to not sued them again.
My problem is an unjust loan mod proposal that is predatory and imposible to pay and to add to injury they not respecting the settlement agreement they keep giving me inaccurate statements and completely ignoring the court order they relying on the fact that I can not sued them againAnd they only comply with saying that they fulfill the requirement of a loan mod even if is imposible to pay so they can foreclosure on me again they do not have any intencin on help me .my goal is to keep my home and pay what I owed with a loan mod that comply with XXXX guidelines .and that they. give me an accurate statement that reflects the settlement agreement not what ever they say I need Help I am desperate and frustrated nobody seems to be able to help please HELP.
Home owner info : XXXX and XXXX XXXX Home Address:XXXX XXXX XXXX XXXX
XXXX XXXX ca XXXX phone XXXX email XXXX Loan servicer BSI financial services XXXX XXXX XXXX second floor XXXX XXXX XXXX XXXX, PA XXXX customer care XXXX loan # XXXX tems attached : copy of proposed loan mod copy of settlement agreement copy of a payoff statement
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| 02/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet.
Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX, XXXX.
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX.
XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX.
We mailed a check for that payment on XX/XX/XXXX.
We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the 1st as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance.
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| 03/03/2022 |
Yes |
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- Trouble during payment process
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Web |
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I originally closed on my FHA Mortgage loan with XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my FHA Mortgage was sold to BSI Financial Services in XX/XX/XXXX. Effective Date of Transfer was XX/XX/XXXX according to documentation. I have received a Notices to Taxpayer - 1st Half from the XXXX County Treasure office indicating that there is now a Delinquent Real Estate Property Tax amount {$1600.00} that became delinquent XX/XX/XXXX which was to be paid from my Escrow account by BSI Financial Services. I immediately called BSI Financial Services after receiving this notice on XX/XX/XXXX and the representative who I spoke to indicated that the transfer was performed in XXXX and that is why they were not paid. I was told that my property taxes would be paid. I have received another notice from the XXXX County Treasure office indicating these still have not been paid. I called BSI Financial Services again on XX/XX/XXXX to get an update to be told the same thing. I have {$4000.00} sitting in my Escrow account in which I have personally paid into and my home is at risk of newspaper publication for BSI Financial Services failure to properly cooperate & disburse payment to the XXXX County Treasure Office for the delinquent Property Taxes. After researching BSI Financial Services it appears that BSI Financial Services is known for inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums and it appears that I am now a victim of this. However it is not that its untimely it's that they aren't cooperating to pay them at all.
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| 05/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This has to be a follow up from the complaint that was closed.This is response is unacceptable. This is still not resolved. ( XXXX ) The named individual in the response is unreachable and has left no specific extension on which to contact her in the letter. I WANT AN EXTENSION TO SPECIFICALLY SPEAK TO XXXX. THE GENERAL NUMBER DOES NOT ALLOW ANY OF THE REPRESENTATIVES TO CONNECT YOU WILL HER.
I would like this in the record please and I have no problem telling what has been done to me. I fell behind on my mortgage because I was sick in 2019 ( XXXX ) and after recovering, I was hit with XXXX in late XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not working until the start of this month.
The investors responsible for my home have formulated a repayment agreement set up for failure asking for more than what I can afford for over nine months. The way this is written they will easily be able to take my home.
This organization does nothing to help the consumer. They should be ashamed of themselves including the investors.
I would like an opportunity to catch up my loan on a Forbearance. In this way I will be able to catch up by XXXX.
I want someone who can help me to this. As stated I want to talk to XXXX not be brushed off with a letter with no extension.
There are two different agreements I am attaching : The repayment is not going to cut it. If I am just going back to work, how can I afford to this like this? They will take my home for sure. The initial agreement allows me to pay what I can up until XXXX. This is more doable. The second agreement increases my mortgage payment over nine months.
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| 02/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX my wife and I purchased our first home in California. Due to CA tax law, the original tax bill for our home was set using the original assessed home value ( taxes of the previous owner ). This tax bill was {$2800.00}, which is substantially lower than the total taxes we are actually responsible for, which are set on our purchase price of the home. For this reason, we are also required to pay two supplemental tax bills, one for XXXX XXXX XXXX ( prorated to our purchase date ) and another for XX/XX/XXXX to XX/XX/XXXX. These two supplemental tax bills total {$2200.00} and {$6700.00} ( each split in two installments ). Since XX/XX/XXXX, we have paid about {$12000.00} into escrow, which includes the " total '' tax rate : both the original tax bill and the supplemental taxes. In other words, we have paid the supplemental taxes into escrow, as required under the terms of our loan.
In XX/XX/XXXX, I sent copies of our supplemental taxes to our mortgage servicer, BSI financial, and requested that they be paid from escrow. Despite confirmation of receipt, and assurances from BSI, these bills were never paid. Since then, I have contacted BSI 5 times in attempt to get these bills paid, and have been told each time that they would be paid. Now, the first installments of both bills are three months late, and BSI is completely negligent and unresponsive.
I am requesting that BSI pay the taxes as stated on our supplemental tax bill from escrow, plus the late fees that their negligence is responsible for. The late fees total {$110.00} and {$330.00} for the first installments of the two supplemental tax bills.
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| 02/23/2022 |
Yes |
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Web |
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A final payment to close my mortgage was made to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX after selling the property. After that date I have kept receiving notices for monthly mortgage payments from BSI Financial Services ( BSI ).
I received the payoff amount from ( XXXX ) when attempting to pay off the mortgage and was told that amount would be good until XX/XX/XXXX. They then sold the loan to another company, ( BSI ) in the middle of all of this. XXXX sent the payment to BSI. BSI states the payoff department applied the amount to the principal but not toward paying off the loan. This makes no sense because the payment was for the entire outstanding amount of the loan and the bills they are sending are for the standard mortgage payment amount.
I began calling BSI the second week of XX/XX/XXXX. Every call gets the same response : They will submit a request to the payoff department and call me back but they never do. I have requested a supervisor or manager be involved multiple times as well. They always say one will call me, but they never do.
I have asked the title company ( XXXX XXXX XXXX ) for assistance in this matter as well. The title company sent a copy of the payoff to XXXX on XX/XX/XXXX after they were told they would honor the payoff once receiving documentation. A copy of this documentation that was sent by the title company is attached. BSI now states they did not receive the documentation from the title company, and still has not returned any calls after promising further investigation.
BSI Financial Service XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX ( Fax )
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| 06/29/2023 |
Yes |
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- Trouble during payment process
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Web |
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This company had my account listed as in bankruptcy. I have since been trying to get someone to speak to me after multiple unsuccessful attempts over a few weeks I finally got someone to speak to me in reference to my account,. I contacted my old bankruptcy attorney to get proof that I was not I bankruptcy and that my home wasn't included. This company has been reporting my account late to the bureaus even though it has been paid on time. I was told by a representative that they were adding bankruptcy charges to my account and she processed to to be removed immediately. I was also advised that my monthly payments have been sitting in an unapplied funds account and not being credited to my account. I was told that due to the overpayment for the erroneous bankruptcy overages and charges to mortgage that my payment due for XXXX was {$170.00}. As it stands my account is standing 28 days past due even though my mortgage was paid on XX/XX/2023. Everyone I speak to advises they can see the notes and that the credit is to be applied to my account but nothing has be done and everyone says it will be done that day and it has been over a period of 3 weeks at this point. I have emailed the cashiering department since every representative states the issue is with them and nothing has occurred. I have requested to speak to a supervisor on several instances and was always told none was available. No one is wanting to rectify this situation and I have seemed to exhaust every option. I have been having issues with this account since BSI Financial has taken over and reporting my account as late to the bureaus.
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| 07/21/2020 |
Yes |
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- Trouble during payment process
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Web |
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BSI Financial failure to make timely payment from escrow account for homeowner 's insurance policy renewal. Contacted BSI multiple times to resolve issue, which was treated with no urgency from their end, resulting in expired policy, potential late fees, and consumer frustration/time spent trying to push the process along.
XX/XX/2020 - received notice of servicing transfer to BSI Financial Services XX/XX/2020 - due date for Homeowners Insurance policy renewal XX/XX/2020 - received notice from insurance company that payment had not yet been received. Initially contacted BSI Financial Services to remit payment from escrow account. Provided BSI with all relevant due dates for insurance policy and policy expiry date. Was told by BSI that the escrow records were not updated, so I would have to pay insurance premium out of pocket, rather than escrow.
XX/XX/2020 - 2nd contact with BSI Financial Services. Sent email copy of Insurance invoice with attention to escrow department. BSI said they would send a check.
XX/XX/2020 - 3rd contact with BSI Financial Services. Still no check sent to insurance company. Re-sent email copy of insurance invoice with attention to escrow department. BSI said they would send a check.
XX/XX/2020 - BSI online portal shows check mailed.
XX/XX/2020 - Policy expired XX/XX/2020 - Received notice from insurance company that payment had not yet been received. 4th contact to BSI, and received a tracking number to provide to insurance company. Check was not sent with any expedited shipping, although it was mailed only 4 business days in advance of policy expiry.
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| 06/01/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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BSI Financial took over the processing of our FHA mortgage in XX/XX/XXXX. Shortly after, the pandemic struck. We were permitted to take advantage of the FHA-sponsored forbearance for 18 months. Whenever we tried to contact BSI about how to proceed with resuming payments, we would never get a call back.
We began making payments in XX/XX/XXXX and have never missed a payment since. BSI finally contacted us in XX/XX/XXXX to offer a modification, " Option 1 '' or " Option2 ''. We selected option 2 and completed all the proper documents, had them notarized and returned to BSI via XXXX. BSI representatives have stated that they received the documents on XX/XX/XXXX. Our mortgage payments were to resume on XX/XX/XXXX.
Instead, BSI sent us foreclosure documents yesterday. They notified the credit bureaus that we are both now 180 days late. My XXXX credit score went from XXXX to XXXX on one day last week. BSI did the same thing last year and quickly corrected their error. This time they have not done so.
BSI representatives will send emails to our " representative '' who then never responds.
We have all of the documentation showing the modification approval and yet BSI is demanding {$36000.00} or they will foreclose on XX/XX/XXXX.
The last BSI representative I spoke with said our payment was due on XX/XX/XXXX. The documents from BSI all state : " First Modified Payment Effective Date : XX/XX/XXXX ''.
I called BSI today and the agent said that our representative and her supervisor are both busy. I left a voice mail with a VP, perhaps ; who knows?
As usual, I do not expect a call back.
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| 07/15/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This is a follow up complaint regarding reference # XXXX. I originally filed a complaint against BSI Financial. The complaint was closed after the company responded stating that they had sent a request from me asking for additional information. This all occurred back in XX/XX/2022. It is now XX/XX/2022 and while the company has received all of my documentation and has confirmed since XX/XX/XXXX that I have been approved for Recovery Modification and that papers would be mailed out to me within a couple of weeks from the email correspondence. I have been told this several times since the beginning of this process. During this time I have received negative reporting to the credit bureau, a medical credit card was closed due to the reported information, and my credit score was dropped significantly all at once. I have personal called in to make payments since the end of my forbearance. My payments started back on XXXX XXXX. I am unable to pay online due to lack of updates to my account. When I attempt to mail in payments, the checks are never cashed. When I call to make a payment, I have been charged for doing so in the past. This has been a very long process. Most recently not only has XXXX XXXX have not followed through with the documentation or paperwork, she has stopped returning my emails and I have not been able to get her on the phone. Attached you will see copies of our communication regarding this case as far back as XX/XX/2022. I am requesting your assistance with this matter so that I may continue to move forward with my life and get this issue resolved.
Respectfully,
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| 06/13/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Our mortgage loan was transferred to a new servicer in XX/XX/XXXX.
On/about XX/XX/XXXX, we received the XXXX XXXX Account analysis ( dated XX/XX/XXXX ).
The analysis increased our monthly mortgage by a total of {$710.00} due to anticipated escrow payments for the XXXX tax year and an escrow shortage in the amount of {$4800.00}.
XX/XX/XXXX : We called the servicer to get an explanation/understanding of the shortage. We explained that we had a homestead exemption for the XXXX tax year. The rep informed us that she could not locate any relative documents in our file, and requested that we send the documents again. That same day, we sent the email which included our XXXX tax bill from XXXX XXXX and the receipt as attachments. We were informed to follow up in a week.
A week or so later we followed up only to find that our file/ticket had been Closed. At that time, we requested that the file/ticket be reopened as the issue had not been resolved.
XX/XX/XXXX : We called and spoke to a XXXX who informed us that he would look into the issue, and that he would call or email us back.
XX/XX/XXXX : XXXX : We had not received a call or email from anyone, so we call the XXXX. We were informed that nothing had been done with the file and to check back on on Wednesday.
XX/XX/XXXX : We call once again only to find that our request to have our escrow account reanalyzed taking into account of homestead exemption had been denied. The reason being the homestead exemption did not cover all of the taxes. ( Our XXXX property taxes were {$2000.00}. The homestead exemption was {$2000.00} ).
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| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ) I made a mortgage payment with BSI FINANCIAL as my mortgage was in the process of being refinanced with XXXX XXXX. I didn't want to incur any late payment fees. Unaware that XXXX XXXX had dispersed funds to close out my loan with BSI FINANCIAL on XX/XX/XXXX. BSI FINANCIAL took my regular mortgage payment a day after that disbursement. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX and informed her that I would like a refund of my XX/XX/XXXX mortgage pymt since XXXX XXXX had dispersed funds on XX/XX/XXXX and BSI FINANCIAL took my pymt on XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ). XXXX said once everything was processed that I would receive a refund of that XX/XX/XXXX mortgage payment along with my escrow payments. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX who said a check was sent out on XX/XX/XXXX. The check from BSI FINANCIAL was my escrow payments only. So I called BSI FINANCIAL again on XX/XX/XXXX and spoke with XXXX who stated no other funds would be refunded to me. Usually you have 2 months after a closing before the first mortgage payment is due. I received a mortgage note from XXXX XXXX ( the refinancer ) that my first mortgage pymt would be due XX/XX/XXXX. So I called XXXX XXXX ( XXXX ) since this was not two months between closing to verify this first payment date and he said that XX/XX/XXXX was correct. Please look into this as I believe BSI FINANCIAL or XXXX XXXX owes me that XX/XX/XXXX payment. I didn't have my 2 months between the closing before the first payment was due.
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| 08/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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On three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) BSI has delayed posting our payment to our account exceeding the grace period and incurring fees. All three times we have had our bank XXXX XXXX XXXX XXXXXXXX ) that issued the bill pay via a check on the phone with a representative from BSI to explain to them when the check was mailed and that it should not be late and should be posted ASAP.
Miraculously it is found and posted with in two days of our bank calling. There is never an explanation as to why this occurs, but we are told they check their drop box daily. They will not provide any information as far as when it was received, only posted to our account. All of these payments have been mailed with in the time period to be received in time of the grace period. In all three incidents it has posted two weeks or more after the due date, when it was mailed 3+ weeks prior.
XXXX XXXX XXXX was able to utilize electronic payments to this loan servicer, but it only lasted a couple months. According to management in the Bill Pay Dept at XXXX XXXX XXXX we were told ( on two recorded lines - BSI & XXXX ) that XXXX XXXX XXXX no longer sends payments electronically to BSI. I asked why in a previous call and they said it is usually because XXXX finds unscrupulous business dealings or practices.
BSI wants us to strictly use their portal for payments and we refuse. Mailing a check is the only way we are able to pay them. They have serviced our loan for close to 12 moths and 3 of those months they have lost or failed to process our payments correctly.
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| 06/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hi, I refinanced my home with XXXX XXXX XXXX ( servicer XXXX XXXX XXXX ). The initial loan was for XXXX and was closed on XX/XX/2021.
I have made 2 principal only payments to XXXX XXXX on XX/XX/2021 - XXXX XX/XX/2021 - XXXX reducing my principal balance to XXXX as of XX/XX/2021. XXXX Attached statement from XXXX XXXX ).
My loan was transferred from XXXX XXXX to BSI Financial Services on XX/XX/2021 and they setup my account with initial balance of XXXX totally disregarding the previous payments in XXXX and disregarding the statement from XXXX XXXX which shows clearly the account was transferred with an initial balance of XXXX. ( statements attached XXXX.
I am not sure if this done to defraud me or was a mistake, however looking at BSI actions in past and the settlement they did with CFPB on the same issue per link below https : XXXX I have contacted both XXXX XXXX and BSI several times with no resolution. I even got both the companies on same conference call and XXXX XXXX clearly provided documentation to show that they transferred loan with a balance of XXXX, but BSI is not ready to fix this issue.
They keep insisting that my original note is of XXXX, so that's the amount they will set the loan for.
Please help in resolving as it is not getting resolved.
The XXXX XXXX Contact Information is as below XXXX XXXX XXXX a division of XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX BSI Financial Information as below BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX Customer Care Phone : XXXX
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| 02/12/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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In XX/XX/XXXX on the cusp of time to pay my XXXX house payment, I was transferred to BSI Financial ( not my choice- but the ridiculous way things happen to individuals by big business ). I was informed by prior mortgage company not BSI. I attempted to pay my mortgage to new company as instructed - but BSI did not have records ready for me to do so. It took more than one hour on phone to get that straight. Reason provided was that BSI had taken on many transfers. That should not be the consumers problem!. My loan is set up to escrow taxes and insurance and for mortgage company to remit. My insurance premium was due XX/XX/XXXX and once again I had to take my time to facilitate what should have been a seamless transaction by BSI. They paid the premium late!!! This has never happened in my decades of home ownership. Taxes were due no later than XX/XX/XXXX. Once again I had to wait on hold to the ONLY phone number provided by BSI and was promised about 10 days prior to XX/XX/XXXX that the taxes would be paid. THIS DID NOT HAPPEN. Another call week on XX/XX/XXXX to BSI - XXXX minutes on hold at ONLY PHONE NUMBER - only to be told they are busy! I am busy too and should not have to monitor a mortgage company. Was told AGAIN that this would be resolved and I would hear by XXXX XX/XX/XXXX. Of course no phone call and no tax payment and late fees have now been incurred. These people are horrible. I want resolution and do not know where to turn. Considering filing a breach of contract suit. Please help me and please place sanctions on this terrible establisment.
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| 01/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage has been transferred from XXXX XXXX to BSI Financial Services in XX/XX/XXXX. My escrow account has been transferred to BSI Financial Services and I have made XXXX mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of which included escrow payments.
BSI Financial Services have not paid my County taxes out of my escrow account which were due XX/XX/XXXX. The taxes are now over 1 month delinquent and have accrued both late penalties and late interest fees.
I called BSI Financlal Services on XXXX XXXX to confirm they had my escrow account and taxes/insurance information from my mortgage transfer and they responded they did not have that information and have created a request for their escrow department to expedite my request to get the escrow account squared away. I've followed up with two additional phone calls, roughly on XX/XX/XXXX and XX/XX/XXXX to have my taxes paid.
I've submitted two email requests to expedite the process, the latest email sent on XX/XX/XXXX with a note I would be consulting a lawyer if my taxes were not paid. I've reached out to XXXXy county tax office and they have also sent an email to BSI Financial Services along with a copy of the delinquent taxes they have failed to pay out of my escrow account.
I have contact BSI a total of 6 times - 3 phone calls, 2 emails submitted from XXXX XXXX XXXX/, and 1 email submitted XXXX, from my county tax department on my behalf.
The current amounts BSI Financial owes my county tax office : 1st half XXXX taxes : XXXX Penalties due to late/non payment : XXXX
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| 04/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2021, my online borrower portal showed my H1 property taxes were deducted from my escrow account and sent to XXXX XXXX XXXX. XXXX XXXX XXXX generates records of receipts and taxes paid online. I waited 2.5 weeks for a receipt to update in XXXX XXXX XXXX websites. After waiting ample amount of time, I checked with BSI financial for the state of the payment. They had no even bothered to check whether their check arrived or was cashed, although, that is an explicit duty of the escrow account.
On XX/XX/2021 I called BSI Financial again to follow up, since no one got back to me on Monday when BSI said they'd check in with their tax department. They didn't even keep track of the fact that I confirmed the XXXX XXXX address with another rep over the weekend. No one called me back at the end of the day on XX/XX/2021 as they said they would. I called back on the evening of XX/XX/2021 at XXXX XXXX to follow up, and a rep then informed me that a payment was sent out by Priority Mail that morning. There was no explanation of why the initial payment had failed, no details of whether the check was cashed, nothing.
There are more reports on Consumer Affairs saying ghost transactions are generated in the borrower portal to create the illusion that a payment is sent out ; however, the counties will report taxes overdue and taxes unpaid. I believe something sinister is happening with this servicer. They have no depth of record on what the initial checks and transactions are. When I asked to speak to a supervisor, I was hung up on. No one called me back.
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| 10/14/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I bought my home in XX/XX/XXXX. I am XXXX XXXX XXXX and I applied for and was approved for the Senior Homestead exemption on my taxes in XX/XX/XXXX. I have been asking for the escrow to be recalculated to reduce the payment since XX/XX/XXXX. I sent XXXX more emails to their customer service dept. on XX/XX/XXXX. They still refused to confirm receipt of the documents. So I called them XX/XX/XXXX to see what else they needed or to get a status of the request and they said they never received the documents. They told us to send the documents again so I emailed the same address again with the new tax bill showing the exemption along with the original application and my new ID with the address on it. I was told it would take 30 days to process the " analysis '' of the escrow. We called again XX/XX/XXXX and XX/XX/XXXX and they still do not know when it will be complete. This is causing me great financial hardship and I need help to make them adjust these payments. I am getting refunded by the tax office because they are collecting too much for the taxes but still refuse to process the change to the escrow. I don't know what else to do other than to file this complaint and see what can be done to help me get this processed. I am a retired XXXX Veteran and among some of the first women ever enlisted in the XXXX as a XXXX. I deserve this tax break and I have worked my whole life. I see no reason why it takes 6 months to a year to recalculate the tax deduction for the escrow.
Thank you XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
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| 07/12/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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As stated before I have been a loyal paying customer since you guys purchased my loan back in XXXX my loan had no history of late payments. The only issue I had occurred due to improper handling of my loans property taxes. In XXXX the taxes were paid on XX/XX/XXXX for XXXX with no issue. However for some reason XXXX 's taxes had the issue of not being paid out or accounted for until XX/XX/XXXX for a total of XXXX. Three months later on XX/XX/XXXX the taxes were also added for XXXX for a total of XXXX making my payments spiral out of control. My argument is that this is a mistake caused by BSI not properly handling/servicing my loan payments starting from XX/XX/XXXX. My payments started off the year at XXXX by next month someone who works at BSI changed the system payment to XXXX on XX/XX/XXXX which continued all the way until XX/XX/XXXX. I have never missed a payment before this issue caused my payment to balloon from from XXXX to XXXX and all the way up to XXXX which causes a lot of stress and created a Financial hardship all within a years time. I Caught up on all payments and my account is current I paid over XXXX to catch up but my credit is ruined. I'm asking that BSI do the right thing like I tried too in bringing my account current and due to all the mistakes that were made. I was clearly affected by the immediate changes and ask that my credit report for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be updated as paid as agreed the late payments are unnecessary when payment is up to date with no history of late payments.
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| 04/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I had a title 1 loan with XXXX XXXX XXXX th.at was sold to BSI financial XX/XX/XXXX. My loan was due every 5th of the month so XXXX payment was made to XXXX since I did not get notification that the loan had been sold to BSI. XX/XX/XXXX BSI called about the payment this was the first I had heard that they were the new servicer. After verifying with XXXX and being told XXXX payment would be transferred at the end of XXXX. I continued to get calls from BSI so I made a {$100.00} payment on XX/XX/XXXX so the calls would stop. Then I received an email from XXXX that the XXXX payment was transferred XX/XX/XXXX. XXXX came around and after the 5th I started receiving more collection calls from BSI about the XXXX payment. I explained and sent XXXX email that XXXX payment had been transferred XX/XX/XXXX and that on the XXXX I made a payment which should be considered as my XXXX payment. As of today and many calls to and from BSI the account is showing past due for XXXX. transferred payment has not been applied to bring me current. I have sent proof of payment to BSI from my bank statement also forwarded the email from XXXX about the payment transfer. Every time I call BSI I am told they are looking into it. This has been since they became owner of account. I have also today sent a payment ledger XXXX sent to show the XXXX and all other payments. The problem is not with me it is between BSI and XXXX but BSI has been showing late for XXXX. I have sent them proof with bank statements and with payment ledger but no one will get it fixed,
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| 01/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am filing a complaint against the loan service company BSI Financial services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. I believe they are committing fraud by delaying the processing of checks and not depositing them in a timely manner, resulting in late payments to the consumer.
My bank is authorized to automatically send a check each month to BSI on the XXXX of each month. The bank states that physical checks are taking more than five days to reach their destination so I am diligent in having them send it out to be received by the XXXX ( at the latest ) of each month. In XX/XX/2022, the bank issued BSI a check on XX/XX/XXXX ; BSI did NOT process the check until XX/XX/XXXX resulting in a late charge which I disputed and it was subsequently waived with my bank 's intervention. In XXXX the bank sent BSI a check on XX/XX/XXXX and BSI did not clear it until XX/XX/XXXX. I called BSI and they claimed that was when they received the check. They will not waive the late charge on this even though I spoke with them ( XXXX? ) on XXXX XXXX.
Somehow even with the new USPS standard for first class mail taking 5 days or more 15 days for a mailed check to clear is unacceptable. Prior to XX/XX/2022, BSI seemed to have been receiving and clearing the physical checks in a timely manner.
I would like the CFPB to -investigate BSI 's current practice, to protect other consumers - ensure my credit has not been affected by these false late charges, - intervene on my behalf to BSI and have them waive my late charge.
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| 12/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
Older American |
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XXXX sept. XXXX I applied for loan assistance, sending the application and required documents to XXXX XXXX in Loss/mitigation. She verified that she got it and would sens it to the underwriter. In XXXX, i tried to make a payment, i was able to save up some, and i was refused. i was told that it would interfere with the loan modification process. around XX/XX/XXXX i spoke with XXXX XXXX, the POC, because i got an application packet in the mail with a different POC name. she reassured me to ignore this, and that everything was ok with my application. in XXXX, ii received another packet, with another new name, when i called XX/XX/XXXX i was told there was no application pending, nothing on record, and that XXXX XXXX had a new job so i couldn't speak to her. He was very rude and refused to tell me who i could talk to. said he would send an email to the department. XX/XX/XXXX i called again and spoke with a customer rep named XXXX, she supposedly reached out to XXXX and reassured me that her or XXXX would call me back Nothing again. I called again on XX/XX/XXXX and got XXXX in loss/mitigation. She tells me that because my name isn't on the loan they cant help me and that its now in foreclosure. she said they needed successor of interest, supposedly sent me a letter previously. I have never received any such correspondance. i am on there as a XXXX party since XXXX when my father passed and i inherited the home. further more i sent the deed and will several years ago, and they have done a defferment before.
'
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| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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BSI Financial apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to XXXX and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to BSI Financial. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from BSI Financial. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.
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| 12/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been having problems with this mortgage company since they took over my mortgage. I tried paying through their website, and had problems, they claimed it was my bank, they could not find my account, etc. Then I set up bill pay through my bank, and still had the payments post late, and BSI financial charging late fees. I had a XXXX way call with my bank, and the bank is sending the payments on time, they are not posting them in a timely manner. I called again on XXXX and the representative stated the fee of {$11.00} was nsf fee, which is not true, I had enough money in my bank to cover the payment. BSI keeps stating that the {$170.00} I owe is late fees, but this does not add up. Whatever way I try to pay them, they have an excuse for posting this late, and charging me more and more fees.
I switched back to auto pay through their website on XXXX, so they could not say the payment is late. I know they are going to come back and state that they could not process my payment as they could not find my bank account. I know this, as they did this the last time, and when I talked to a rep, she claims it happens to a lot of their clients. This company is run very haphazardly, and needs someone to step in and regulate or fine them, as they are stealing people 's money by using predatory tactics to obtain extra fees.
I have been on hold now for almost XXXX minutes, waiting to speak to a supervisor, as no one seems to know how to assist me with all the nonsense fees they keep adding to my account.
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| 09/27/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I originally submitted a request online via BSI Financial Services 's website for a COVID forbearance plan on XX/XX/2022 ( Email confirmation received that request was successfully submitted on XX/XX/2022 at XXXX XXXX XXXX ). The email confirmation states that I will be contacted within 7-10 days to discuss the submission, however I wasn't contacted. I called multiple times to get a status on the request, have left message for XXXX XXXX ( My assigned account specialist ) and XXXX ( My assigned account specialist 's " Supervisor '' ), however I never heard anything back. I check the status of the request online daily, and noticed the request was gone and nothing was sent to me regarding an approval or denial. I submitted the request again on XX/XX/2022 ( Confirmation email states successfully submitted on XX/XX/2022 at XXXX XXXX ). I called yesterday, XX/XX/2022 to request a supervisor in the Loss Mitigation Department, and was transferred to a random voice mail. This happened three additional times. I can not get a hold of anyone, and can not get the assistance or even an answer on the forbearance request because no one will call me back or speak to me directly. I get the automated dialer collection calls, but that is it. They sent me pre-foreclosure paperwork stating I have to have my balance paid in full including the advance on my escrow by XX/XX/2022. I'm not sure how they are able to take these measures without returning my calls or working with their customers like they claim to do.
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| 06/29/2022 |
Yes |
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- Trouble during payment process
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Web |
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have a home mortgage with BSI Financial Mortgage Acct # XXXX ) which was initially made with XXXX XXXXXXXX XXXX which was a Home Refi.
When the loan was closed with XXXXXXXX XXXX, Flood Insurance was not required. Several years after the Refi, I was told flood insurance was required. I furnished the required Flood Insurance Certificate showing that the property was covered. XXXX did not require Flood Insurance escrow for the policy. Several years later the loan was transferred to BSI Financial. BSI also required Flood Insurance.
Had I known that Flood Insurance was required, I would have not refinanced. I have had a mortgage on this property since XXXX and was never required to have Flood Insurance.
However, I did purchase my own at my expense the requested policy and furnished policy to BSI, to avoid being charged at triple the cost of coverage purchase by them. I am now being charged by BSI for the policy they purchased thru escrow, so basically I have duplicate coverage.
BSI is insisting that I pay into their escrow account, saying it is a federal requirement.
Is it a federal requirement?
However, this Escrow requirement started with the XX/XX/XXXX payment.
I have made many verbal requests thru phone calls to BSI to resolve this issue, and have not received any satisfactory response from them.
Is there any way you could assist me with resolving my issue would be appreciated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Acct # XXXX Email : XXXX Cell # XXXX
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| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XX/XX/2022, I applied for the covid-19 forbearance that was offered on the company 's website, which stated it would not report any late payments during this process. I had covid in XXXX XXXX and wasn't fully recovered, losing work time that decreased my income in half. I was informed by a company representative on or around XX/XX/2022 that I was approved and that my covid-19 forbearance loan representative would contact me with the details of the forbearance. my contact person XXXX XXXX XXXX. I contacted and talked to XXXX XXXX XXXX at or around Ending of XX/XX/2022. I was informed that he would look into the forbearance and I informed him how I was informed that I was approved. I XXXX XXXX that I had a late payment for my XXXX payment I was informed by XXXX XXXX what I wanted him to do regarding my account and, I stated that my late fee is removed because I was informed that I was approved for the covid-19 forbearance. I wrote a letter to the CEO to address this issue and received an email from XXXX XXXX XXXX. I was informed that they would not retract to late charge on my XXXX even though I was informed that I was approved for the forbearance that on their website says they will not report late payments during the process of a forbearance. I was lied to and due to the company 's representative 's deception and error, my credit rating was decreased by XXXX XXXX due to this company 's error. The late fee in XXXX needs to be removed due to I was misinformed by this company.
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| 03/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I initiated a refinance of my mortgage in XXXX XXXX. In the process of settling the initial loan, we discovered that the property taxes were charged to the loan. The loan documents never indicated that the taxes would be paid by the loan servicer. After the initial inquiries and proof that I had paid the property taxes in the beginning of XXXX on my own, I paid BSI Financial the money they purportedly paid on my behalf for the taxes, anticipating a refund when they received or confirmed a stop payment of the taxes they shouldn't have paid in the first place. After the loan was paid off on XX/XX/XXXX, I was told to wait 6 weeks for the refund to come. After 6 weeks time passed, and after multiple requests for updates on the refund of money due, I have not received one message of confirmation or affirmation that this issue is being resolved. I recognize the additional challenges on staffing and anything that may thwart this process administratively, but enough time has passed without any firm confirmation that the money will be refunded. Moreover, I contacted the XXXX XXXX Property Tax office on XX/XX/XXXX, and was told there was never a payment made by BSI on my behalf. This leaves me quite suspicious about the money I was told that I owed and I am now not receiving in refund. I have asked the mortgage brokerage to get involved and they too have yet to receive any confirmation this problem is not being resolved. Filing this complaint is my next step in response to the issue.
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| 08/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was serviced transferred in XXXX and I didn't realize until my autopay didn't come out from my previous mortgage company. I called and was able to get the information for my new company and I called them to first make my XX/XX/2021 payment and then set up autopay. The person helped me set it up via online for a bi-weekly debit. The first was supposed to be on XX/XX/2021 but they took one out on XX/XX/2021 and then another one on XX/XX/2021. I called on XX/XX/2021 and the person told me I don't see a payment call back on Monday and they noticed the duplicate payments. She opened a case and told me it would be 3-5 days until i get the money back.
I called again today XX/XX/2021 and the person was not so helpful and quite frankly very rude. She told me she sees the case but I am not going to get my money until XX/XX/2021 and it's going to be a check that is mailed to me. I told her that is not what i was told earlier in the week but she again said the same thing again. I told her i wanted to file a complaint with who regulates her bank and asked who that was, she told me to look on their site. I was already on the site so i told her where can I find it which she answered with " just XXXX it '' I asked to speak to a manager and she transferred me to a voicemail that just had an extension with no explanation as to what it was.
It's my first month with this company and they are already making it hard to do business with them.
I need my money back sooner than that.
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| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX I called BSI Financial Services to explain that my outgoing mail had been stolen, including checks, so I closed the bank account that BSI had on file and wanted to share my new checking account information.
I followed their procedure to change this information, yet my XXXX payment returned NSF. I called them, they said it was a time issue ( change done too close to the draft date ). I replaced the payment.
I asked them to waive the NSF fee of {$25.00}, but they didn't. I asked them to waive the {$79.00} late fee which they eventually did.
My XXXX draft was also returned NSF, which incurred another {$25.00} NSF fee and another {$79.00} late payment fee. I called again, replaced the payment and asked to confirm my account information. They told me that when they received my new check, it was input into their system incorrectly - a simple typo.
I said that's fine, and asked for all fees to be waived. They refused. I have called multiple times and have been transferred to " the Office of the president '' which is just a voice mail. No one has returned any of my calls and I am not making progress with customer service representatives because ... .they said they can not waive the remaining late fee and 2 NSF fees because they already waived a fee. That is their standard practice. I explained these fees were all caused by their company, not by me, but they won't budge.
I am seeking reimbursement/credit of {$79.00} late fee, and {$50.00} in NSF fees XXXX
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| 05/13/2022 |
Yes |
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- Trouble during payment process
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Web |
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BSI Financial Services Attention : Qualified Written Requests XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Qualified Written Request - Notice of Error or Information Request BSI Financial Services ran a new escrow analysis and they are escrowing for the home policy twice once listed as home and once listed as wind. Therefore my mortgage payment went from {$2100.00} to {$2500.00}. My Homeowners insurance agent spent several hours trying to explain to them their error. They have not corrected the error and they keep calling to collect the {$2500.00} they are also sending me written notices for late payments and 45 days late notice. They insist I have to pay the XXXX in full or I will be in default. I made the payment today XX/XX/2022 in the amount of {$2500.00} even though that amount is incorrect. I have XXXX children and I am afraid of the negative consequences this may have on our lives and credit. I have discussed this not only with the customer service agents at BSI Financial on several occasions and they can not and will not provide me a written explanation. My Homeowners insurance company has e-mailed them my complete homeowner package which provides ALL necessary coverage on two separate occasions and My agent has spoken to them on a conference call with me several times. I have included a copy of the escrow analysis where you can clearly see the double amount. and the 2 monthly statement with the increase of {$380.00} which I should not be paying.
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| 06/03/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My loan was transferred to BSI Financial on the XXXX of XXXX. XXXX XXXX turned my auto pay off and I now need to make my payment for XXXX in the amoun tof XXXX. My loan account with XXXX XXXX is XXXX. I can not get anyone on the line to make payment to BSI Financial. I have had auto pay on this since I got the loan and never had a late payment.
The only time I was able to get them on the phone was Wednesday XX/XX/XXXX at XXXX XXXX. The lady was very rude and told me it would be 45 days until my account was setup ( which would put me 2 months behind ) and possibly foreclosed on. I was trying to setup payment early and was told I COULD NOT.
I am also a XXXX XXXX XXXX veteran and asked that they remove taxes from my loan as I am no longer required to pay them in XXXX County Florida and offered to provide them the notice from XXXX County showing I am property tax exempt. They would not remove my taxes or take that information over the phone.
I am unable to setup an online account. I am unable to make a payment. I am unable to get someone to call me back so I can find out to where to make a payment. They do not directly answer their phones. This is a VA loan not a standard mortgage and I will be seeking an attorney if they do not remove the property taxes from my monthly payments, and releases the escrow that I am due. I can't even make a payment and I have to submit this ahead of time as payment is considered late on the XXXX of XXXX at no fault of my own.
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| 04/11/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Greetings, My lender has purposely been stalling with first false information and now things that affect my personal credit and Morgage stability.
I needed time to get my finances in order due to covid issues so I took advantage of the covid relief program. My lender never stated it would require a loan refinancing.
My current lender has been stalling with sending me the paperwork which unfortunately it goes through only one person. Only one person at the company seems to be capable in writing this paperwork. I have called numerous times without success of reaching someone AND getting anything done.
I finally received the documents and had little understanding of how it should work and I began to sign before I realized it needed to be done before a notary. I have not been able to get in contact with my lender again directly for more papers as the clock is ticking away. Each time I call I must leave a voicemail or the customer service rep leaves one and I never get a call back or the message never gets sent off to resend these documents. This is beyond frustrating and negatively impacting my finances & credit stability.
I was charged additional fees and interest that I do wish to be removed because of this aswell.
I have provided proof of XXXX XXXX tax XXXX exemption for XXXX veterans and this company never clarified how that affects my Morgage payments or escrow directly. Its almost as if someone is tucking the extra payments away for themselves.
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| 11/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have submitted all the paperwork and documents asked for to three different mortgage advisors, each one tells me it has been approved and then they get transferred or promoted to another department without any contact information or paper trail. They lose everything and the papers constantly have to be resent to either the same mortgage advisor or resent the whole package several times to the new advisor. XXXX was absolutely rude and mean as she yelled at me over the phone many times and told me I deserved to be on the street and foreclosed on. Now, within the last two years my home has had over {$100000.00} in damages that I can not get any XXXX to repair because this company can not find the documents that were sent in numerous times and/or because of the level of difficulty it has been to get payment for their services ( XXXX XXXX XXXX, XXXX, XXXX, has gotten a run around for the {$3000.00} worth of repairs he did ). Since the home is in forclosure no one wants to do the repairs because they don't think the mortgage company will pay for it. Its been two years living in 4 rooms of my 21 room home with XXXX kids and XXXX dogs. We need help. I am XXXX since a car accident in XXXX, XXXX, and can not get anywhere with BSI. Loan # XXXX. Call me anytime XXXX. My ex husband left me 6 years ago and they still have his name on the loan even though XXXX got the underwriters to approve of removing him. He has not contributed a dime in over 15 years. Please help.
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| 02/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This company named bsi financial that we have that bought our mortgage we have had problems with. They dont except debit cards only ach payment and money orders ach they process whenever they want. With this being said last month on the XXXX of XX/XX/2023 we tried to do a ach payment it got kicked back had no idea it got kicked back I had to make a phone call to XXXXXXXX XXXX XXXX XXXX to find out it never went through. Then on XX/XX/XXXX 2023we sent a money order that we got from a store that does them. We sent it on the XXXX of XX/XX/2023 over nighted it through XXXX had it tracked and certified I got the update that on the XXXX of XX/XX/2023 at XXXX XXXX a lady in there financial department received it and signed for it. I checked a few days later cause there online thing takes awhile to update information on XX/XX/2023 I gave them a call and they couldnt find out what happened said they would call me back then on the XXXX of XX/XX/2023 I called again and the lady I spoke to couldnt do nothing about and said I needed to give the tracking number for the money order which is for me to use they wont fix this problem I have a screen shot of when they received it in there hand and where it came out our account. So because of this shows we are a month behind if I sent the money order this month they will put it towards last month thats if they get it and we will still be behind on a month. If you guys could please help out that would be greatly appreciated.
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| 08/13/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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In XXXX XXXX XXXX was the servicer of our mortgage. We aske for a modification in XXXX of XXXX so that we could us that money to catch up on some debt due to covid. we were allowed to not pay for XXXX, XXXX, and XXXX of XXXX. The modification was to roll these payments to the end of our load. We signed and notarized the modification paperwork and sent it in. In XXXX we were sent notice that our loan had been sold to a different servicer call BSI. We maintained paying our loan which I have the bank statements to prove, but since the modification wasn't completed by XXXX XXXX, even thought we signed the paper work and sent it back to XXXX XXXX. it has been almost a year waiting for BSI to get the account cleared up. I have received a loan statement dated XX/XX/XXXX that states I owe {$11000.00} in back payments. They have my account listed on their website as being behind 224 days, and they have reported to the credit bureaus twice that I am 120 days behind. Causing our credit average to drop nearly 100 points. I have contacted them by phone and e-mail to try and get them to stop the modification process and let me refi since the rates are now lower than what they are giving. Since they have reported my " late '' payment I will not be able to qualify for a refi because of there predatory attitude to my account. I would like some help in clearing this account knowing where the account balance is, so that I can refi with a company more reliable then BSI.
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| 05/13/2020 |
Yes |
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- Trouble during payment process
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Web |
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This nightmare happened when I got locked out of my online account. I believe something is wrong with the site, because the security questions did not allow me to gain access, And I know I answered some of them right. But still didn't allow me to gain access.
So after a number of attempts the site automatically locks you out, and tell you to call the company and you have to speak with agent to have them reset the account.
I have been calling BSI since monday, leaving messages, e-mails multiple times a day and I get no call back, no e-mails.
BSI uses the same number for everything ... .For example, I found a number on their website for " Sales '' XXXX it sends you to the same dead-end phone tree.
Now, I must mail the payment over. I do not like to send my payment through the mail : 1 ) I don't own checks so I have to pay for a money order 2 ) I have to spend time , drive wait in line at the post office 3 ) Pay a higher fee so that the check can reach them on time They said if they don't get the check before the XXXX I will be charged with a late fee?
how can that be fair that they can charge that? I am trying to gain access to my account ... .they have the power to unlock the account, but nobody is working.
Also no real indication on what they are doing through the crisis. Nothing telling the customers about the lack of resources ... or other options to pay, If you want to pay over the phone it sends you to the same dead phone tree.
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| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I applied for a homestead exemption for property taxes in the state of Indiana and got approved last year. I received the reduced tax liability from the state sometime in XXXX last year ( I think ) I reached out to my lender sending XXXX different emails regarding the reduced taxes to be collected this year and received no response. Finally I called last year to confirm if I needed to send documents and they told me on the phone that they regularly update that information and I dont need to worry. I see my new statement and theyve still charged me the elevated taxes. I call and the woman told me they would check and get back to me and that it takes 3-5 days. Still I emailed documents that confirmed I was approved for homestead exemption that reduces my taxes by a significant amount. This was on the XXXX of XXXX. No update, so I call back on Friday and Im given the run around again. The woman said she will call back once she hears from the concerned department. I never got a call. So I call again on Monday ( today ) and its the same answer- Ill get back to you - give us 72 hours. This company overcharged me for Escrow last year and Im supposed to be getting $ XXXX back as a result. They will do it again. Its not right and I dont appreciate the way theyve been treating my case. If the state has sent them my property tax assessment why are they charging me more. There has to be some recourse for a company that has a history of breaking the law.
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| 01/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am out of work and my mortgage is currently being paid by a charity on my behalf they require a bill or a remittance page each month for every person company that they pay I have been in contact with BSI at least 10 times a month for the last 5 months and has not been able to acquire but one printed bill I must have a monthly billing statement mailed to me so that I may fax it to the charity that's paying my bills. I feel that there is a systemic issue with the company to increase revenues by forcing people like me to have late fees. I also feel that they're inability or incompetence with complying with my simple request for a printed bill each month mail to my home in a timely manner that I may continue to make my payments on time is a tactic to keep customers like myself with in a low credit rating status and late fees and other fees associated with creating revenues for their company. I have spoken with them on multiple occasions I have emailed them and I still can not get a printed bill so that I can have my bills paid on time by the charities of XXXX XXXX XXXX. I hope that you all will help me by looking into this matter. I have unreliable access to Internet because my phone and internet may be terminated at any moment I therefore require written correspondence which they have refused to send. Also in the past few months I have received only one electronically generated remittance page I need your help thank you very much
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| 12/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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I am trying to avoid foreclosure and am waiting for bsi to get back to me anout the fact they took over a loan that is null and void. My brother signed as my attorney in fact when he was under the guardianship of my mother, which was illegal. I was not present and just found this out at my closing and trusted my brother to sign for me in my best interest. If I had known this, I would never have allowed this to happen. I need help speeding up this process so that I have somewhere to stay and can figure out my financial situation. I will include the poa and proof that my brother was under the guardianship of my mother. The loan originated with first centennial and bsi took over the loan. I know XXXX has been in trouble before for overlooking important thjfns like this and I would like a resolution to this so I can move forward with my life in a positive manner. The attachments include the documents when we applied for the loan. In the upper left hand corner is the proof my mom, XXXX XXXX, was my XXXX XXXX guardian. The second is her written description that she has dual access to his bank account, further proving she is his guardian. Last is the poa I would have never signed knowing this. My brother has refused to pay for his part of the mortgage the last year and I have incurred financial losses because of it even though he was the one who illegally signed for me at the closing. I hope you can help me make this situation right.
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| 02/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX I refinanced my mortgage via XXXX XXXX XXXX - who then sold the servicing to BSI Financial in XX/XX/XXXX. During this month my homeowner hazard insurance and XXXX property taxes were due. The Escrow account was transferred to BSI but no payments made. I was told that they fell through the cracks during the transfer from XXXX XXXX.
( * ) XX/XX/XXXX - I called BSI financial and told them that my insurance and property taxes were not paid. They told me to send them info for the county taxes and insurance company to their customer service email address : XXXX I sent them emails with attachments for the annual premium and property tax.
( * ) I called and resent the email with attachments 10 days later.
( * ) I paid the insurance with my credit card so as to avoid not having coverage.
( * ) I call on average every two weeks to check on status - each time there is no status.
( * ) XX/XX/XXXX BSI sent payment for insurance and 2 weeks later my insurance company re-imbursed me ( * ) XX/XX/XXXX - I called two times about property taxes not being paid and I was reassured that any penalties or interest would not come out of my escrow - being told it was being escalated - now 5 months delinquent and XXXX taxes due in XX/XX/XXXX.
( * ) my last call with BSI financial customer service I my call was dropped as the rep was researching why they did not pay out of escrow - which continues to accrue funds.
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| 11/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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XXXX XXXX of XXXX XXXX sent my loan to BSI illegally with no notification ( XXXX ). When doing so they reported illegally a late in XX/XX/21. In XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have illegaly held my funds paid. I received email XX/XX/XXXX from XXXX XXXX at Directors she stated I was late. I sent all bank statements in. They then turned and said they do not represent my loan. Then why did you contact me? They forwarded me an email from XXXX XXXX at BSI, he states they sent mail but it was returned. I asked for proof ( never provided ) they also increased my account without proof or notification. With that they report to credit bureaus late illegally. XXXX hours I have spent calling, emailing trying to get this fixed. I have been verbally assaulted by XXXX XXXX, disparaged, slandered, defamed and he shared my personal information with outsiders ( illegal ). XXXX at BSI told me my account was always current no issues ( I have recorded ) her supervisor XXXX XXXX told me on XX/XX/XXXX that it was being fixed with credit bureaus. I asked again for the letter and again no response. I then receive email from XXXX XXXX at Directors stating the opposite. However how could she say that if they do not rep my loan? Then I have a text from XXXX XXXX owner of Directors that they do. They have violated so many laws to entrap and extort fees so you can not refinance. The vexatious behavior with malicious intent
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| 10/06/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Outstanding loan amount was XXXX back in XX/XX/2016, same loan now has a balance of XXXX to paid in full to payoff loan and avoid foreclosure. The loan is with bsi they have on my statement unpaid post petition amount of XXXX I have been asking to provide explanation of fees and the escrow balances are completely not correct. This loan has been transferred from three different providers in the last thirty years. My husband has always handled the finances and has been very sick the last few years in and out of hospital and recently diagnosed with XXXX and is XXXX XXXX. I am trying to Sell assets vehicles and rv but just cant get it all together by next week.I have requested a modification and send docs over then they say they havent received them and ask for additional documentation. I just sent over more docs as they said my application is not complete so I resent them. I have been calling daily but they just say 3-5 more business days to review the documents again for documents I have already sent over. The fees go up weekly thousands of dollarsdoes not seem legal for a company to do business this way. I need more time to get the money together. I have considered hiring attorney but not sure where to start. Furthermore, my business hair salon was impacted by covid and included that in my hardship letter. My husband is XXXX XXXX XXXX XXXX any assistance or guidance would be greatly appreciated.
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| 01/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have recently completed a modification to our existing mortgage, for which we received a copy of the executed and notarized on XX/XX/XXXX.
We called the single point of contact assigned to us multiple times to get the final executed copy of the modification, and since then have called multiple times to get our questions about details of our payment and fees, to little result.
Even after we got the modification the timely payments sent have not been posted to the account.
In addition we mailed a letter to the mortgage service company 's Qualified Written Response department on XX/XX/XXXX which has only been acknowledged, but not answered.
We called on XX/XX/XXXX to our single point of contact and left another voicemail, and then called the main customer service line.
The agent we spoke with reviewed our concerns and promised to send an email to our single point of contact 's supervisor, and told us to expect a phone call before the end of the day from that supervisor.
It is now 72 hours and we still have not had any call.
While it appears that one of our payments was finally posted, and our account brought up to date from 50+ days in arrears to 24 days in arrears this is not enough.
We need all our payments to be applied in a timely fashion, we need our concerns in our letter to the Qualified Written Response to be answered, and we need our voicemails answered in a timely fashion.
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| 03/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage companys name is BSI financial services. Since they took over our account, we havent got our payments updated on time. We like to send our check with the payment two weeks before but they would supposedly only get it after the due date had passed. Thats a lie and as far as Im aware mail does not take more than 4 days to be delivered. In XXXX of XXXX they said they got our payment after the due date so instead we had to pay an overdue amount in XXXX. Then BSI said in XXXX they didnt get a check at all from us after we mailed it to them so we had to call our bank to stop the payment on that check. We then made a payment over the phone for XXXX and XXXX together since they did not receive the XXXX one prior. It was not applied to our payment and we had no idea until we got a phone call 2 weeks later that they had never received our payment. Aside from our payment issues, my wifes name is completely wrong on the paper work ; Totally WRONG. We keep calling to ask them to fix the problem but they seem to be a very unorganized company because they never know what is going on. Now, we got our XXXX statement and the name of my wife is still wrong. I called again after calling 3 times this month and left messages to get a call back and it seems like nobody cares to call me back and assist me. I just want to be able to pay my mortgage and avoid late fees or damages on my credit record.
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| 08/11/2022 |
Yes |
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- Trouble during payment process
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Web |
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We were in the Covid-19 Forbearance program. In XXXX XXXX we did an application to modify and start repaying. We called and emailed for months. No responses, no call backs, in the meantime we kept getting bills reflecting an increasing un paid balance. It took until about XX/XX/2022 to get modification paperwork. We signed it and immediately returned it. Expecting our account to be refreshed at a XXXX balance and non-default status. We have now been assigned 3-4 different points of contact, NONE call us back or answer our questions. We never received formal notice that we can start repaying and the account has been brought current ( which it has not ). It is XX/XX/2022. None of our calls are returned or emails. We tried making two payments over the phone amounting to {$3300.00} in mid XXXX These payments were NOT properly reflected on our account and we were getting weekly calls about paying by auto callers- they have no record of our payment AND they can never answer questions. They say they will tell XXXX XXXX XXXX and he will call us in 48 hours ... .he has not EVER returned a call and our current point of contact XXXX XXXX has also ignored all emails and calls.
My account was also reflecting as over 60 days late on my credit while STILL in forbearance dropping my score tremendously and causing my bank to close my credit cards.
WE NEED HELP AND WE NEED OUT FROM UNDER THIS SERVICER
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| 06/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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I applied for a loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) back in XX/XX/XXXX and the escrow closed in XX/XX/2022. The loan was for 36 months and had resets at the end of every 12 months. I am attaching a copy of the appoval and direct your attention to the extension section stating " Borrower may never be late on any mortgage payment, taxes or insurance to qualify to extend the loan another 12 months at the end of the XXXX and XXXX month. These is no cost of the extension. '' XXXX sold the loan to a company named XXXX who then assigned the loan to BSI for servcing. We never received a " Hello Letter '' from the new Lender and did not get a " Good Bye '' letter when XXXX sold our loan.
We started a refinance process with another lender in XXXX and XX/XX/2023 to pay off this loan. We were in constant communication with BSI during this process, BSI wanted us to stick with them and offered us favorable terms vs the reset but honestly because of all the miscommunication with them over the last several months we didnt feel comfortable staying with them. They continually accepted our payments.
The issue we have is that BSI never ever gave us notice that they were not going to extend and once a demand statement was provided BSI then charged " default interest '' at an exhorbitant rate.
Attached is the approval letter, we followed it perfectly but now they hit us with default interest.
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| 08/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have requested removal of the mortgage insurance payment from my loan due to having well under 80 % XXXX in my home. This is the information I sent to BSI Financial, my mortgage holder on XX/XX/2022 -- -- -- -- - This letter is to request the removal of the mortgage insurance on my loan. I have made XXXX on-time payments and the loan has seasoned 2 years. The appraisal of the home at the time of purchase, which is in your file, indicates an appraised value of {$330000.00}. The principal balance of my loan is {$250000.00}. Which is 77 % of the appraised value.
I have also included our county property appraiser 's office market value report showing a current market value of {$380000.00} as supporting evidence of current market value. My current loan to value ratio based on this is 66 %.
Please remove the mortgage insurance payment from my account.
-- -- -- - I received a denial letter dated XX/XX/2022. ( More than 30 days of my request. ) I had also explained to the lender that I could only put 10 % down at the time of purchase because I needed to reserve {$40000.00} cash to make immediate improvements to the property after closing.
I just received my 2022 property tax statement from XXXX XXXX, FL taxing authority showing the market value of my home to be {$440000.00}. ( I will attach. ) I think BSI Financial is unfairly retaining the mortgage insurance on my mortgage loan.
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| 02/04/2020 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/2020 Dear Consumer Protection Agency, I am filing a formal complaint against my mortgage company BSI Financial. BSI has a secure website for reviewing your mortgage information and making your monthly payments. Since the site is secure and I used my personal computer, using saved information to make payments just as if I paid my water bill, electric bill, or bought something on XXXX it should be the same.
On several occasions I have made my mortgage payment for which, I received a confirmation number only later when making my next payment to find out previous payment was rejected. Every time I spoke to a representative, they stated my payment was rejected by my bank, but I couldnt figure out what was going wrong with each transaction. BSI added late fees, fees for over the phone payments, and even appraisal fees. Several months later, after several calls to BSI a representative figured out why I was having an issue. It was because their secure website did not except saved payment information even though their site was giving a confirmation for each payment received. Their system would later reject my payment unless payment information re-enter each time.
I had no way of knowing their secure site had this flaw yet, I was penalized financially and credibly with extra fees from BSI and a total of five passed due payments on my credit report.
Attached proof document below.
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| 06/06/2022 |
Yes |
|
- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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I was in the middle of a loan modification with XXXX XXXX when my loan servicing company was sold and switched to BSI Financial. I was originally paying approx. {$1800.00} with XXXX XXXX with no problems and paying it on time, especially for the 3 months trial period. So rightfully so when the loan servicing company switched over to BSI I continued to pay {$1800.00}. Then XXXX day I had a conversation with XXXX XXXX ( not sure who she is, but I believe my assigned agent ). She told me she would not accept anything less than {$2200.00}. I asked when did this start because I had been paying the {$1800.00} all this time and no one said anything. She said it had always been this way and that I have been paying {$1800.00} with The XXXX and why wasn't that honored. I filed for a modification and that was denied but how so when I filed XXXX with the XXXX XXXX and that was approved. So denied by XXXX and denied by XXXX no change in circumstances. Now my loan interest is 5.75 % ( listed on my monthly balance statement. however, when I called the VA to discuss what to do to avoid foreclosure, she mentioned that my interest rate was 3 % and not 5.75 %. I have called XXXX XXXX several times no answer no reason. BSI is the worst loan servicing company in the universe. Customer service has the hardest time explaining to me what are my next steps or how to escalate my complaints.
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| 04/13/2023 |
Yes |
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- Incorrect information on your report
- Account information incorrect
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Web |
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Due to the neglience of this company and the information provided back in XXXX, the NSF fees caused, and a whole slew of other issues they caused with other bills, I paid my last XXXX payment on XX/XX/. It was not late. Considering all the mess they caused with the fees and getting behind on other bills, completely messing up my budget, I would think they would be a little more diligent and attentetive about my account. However thats not the case, in my case and histoically. I am still recovering from their neglience. As of today, XXXX, I got an email that there was a change in my credit report. I logged into to all the credit agencies and checked my credit reports to discover that BSI reported my XXXX payment as late. First off they messed my drafts up in XXXX and second I wasnt late. I have been totally stressed about all this and I have had to invest a lot of time and energy into fixing everything because of all this. I even spoke to an employee the last week of XXXX and inquired about being late, told them the date of the last payment of XXXX, and was told everything will be fine. And so it seems everytime, I again, was given false information. Called today, and a girl exclaimed that its only 16 days after the due date for it to be marked late, and transferred me in mid sentence to a voice mail box. I didnt ask to be involved with this horrible company.
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| 08/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial does not seem to be a reliable mortgage servicer for escrow payments. After I refinanced 3 months ago, they were assigned as my servicer. Around this time, my annual homeowner 's insurance premium was due. They underpaid the amount due by {$36.00}. This led to multiple letters from my homeowner 's insurance company threatening cancellation. I was finally able to get into contact with someone 25 days after the initial premium was due, and 5 days before the policy was scheduled to be cancelled due to non-payment on XX/XX/2020.
BSI had the nerve to send me a letter that they would need to purchase homeowner 's insurance on my behalf due to the upcoming cancellation of my policy.
The insurance company sent BSI a fax XX/XX/2020 to notify them of this, and I emailed XXXX on XX/XX/2020 after I was notified that the payment was not processed. To this day I have not received a response.
In this email on XX/XX/XXXX, I also requested that they pay my property tax bill, which is due XX/XX/2020. No response.
I sent a reminder email through the XXXX message center, but I can not access the record of the sent email due to the poor quality of the website.
The whole point of escrow is to protect the lender against foreclosure due to non-payment of insurance/property taxes. I can guarantee I would be more reliable at paying the bills than BSI.
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| 03/03/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, I contacted BSI financial when I noticed that my XX/XX/XXXX was not applied to my account. I then contacted BSI by phone requesting this be investigated. The representative, XXXX XXXX was suppose to escalate my request to be reviewed and promised an update by XX/XX/XXXX. After I heard nothing, I contacted him back by email and the information he provided had nothing to do with the XXXX payment. I sent them bank proof that XXXX payment was paid in the month of XX/XX/XXXX. When I asked to speak to management, specifically XXXX XXXX, the call is being intercepted because he does not want to speak to me. I also have a problem with XXXX XXXX which is the Loss Mitigator. Does not explain anything to the consumer correctly, ignores emails and is simply bad customer service all the way around.
In my last case, BSI had illegally took fees from me during a bankruptcy and said it was a mistake. As a result of the complaint I noticed the fees were applied and now they are reversing it. No one has given me an explanation.
I am victim of predatory lending. This organization takes out fees from consumers not providing any documentation once so ever. I have yet to receive information about my mortgage or fees. I look for the day to get away for this collector. I am also going to write to the Attorney General. These people need to be stopped.
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| 08/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The payment I made on XXXX first was not logged as a payment, and not applied to my loan balance. It was applied as cash receipt and categorized as unapplied. This allowed undue interest to accrue and falsely categorized my account as past due. The company demanded an additional full payment that I did not owe to " bring my account back into balance, '' despite the fact I set up autopay to pay half the payment every XXXX XXXX
I have provided evidence that BSI did not process my XXXX payment as required by law, and never applied the funds to my balances. BSI showed on my account that they would not process my XX/XX/XXXX XXXX autopay and demanded an entire additional mortgage payment to bring my account back to current after taking my payment and refusing to apply it.
After the additional one time payment I made was processed, BSI took an extra payment on XX/XX/XXXX that I did not authorize for the amount of {$1200.00}. This is the amount that I initially set up for autopay but BSI refused to process, choosing instead to skip to the XX/XX/XXXX payment.
In taking this payment without my consent, they overdrew my bank account and made my balance negative. BSI falsely put my current account in past due status, lied about the payments they were taking, and demanded payments they were not owed. Most egregiously, they stole more than {$1200.00}.
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| 01/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My property taxes are held in escrow ( impound account ) with BSI Financial ( the loan servicer ) and the most recent property tax bill ( due in XXXX XXXX was not paid by them as it should have been!
I'm in the process of arranging a HELOC loan with another lender in order to do needed home improvements and that's how this was discovered ( property tax must be paid or no HELOC ).
In addition, since it is passed XX/XX/XXXX the tax is considered delinquent and there is a late payment penalty ( 10 % of the amount due ) so the total due is now {$2800.00} I contacted BSI on XX/XX/2021 and was told the matter would be " escalated ''. Since then I have called multiple days, and each time all the customer service rep can do is " escalate '' it - so nothing ever gets done or communicated to me.
It has been ten days now, and BSI has still not taken any action to pay the property tax due. In addition, the only way to contact them is a single customer service number to reps who have no ability/authority to take action.
I'm very concerned that my impound account funds will be taken by BSI and never used to pay the property tax or insurance bills for which it is intended. I am also unable to obtain another home loan since the property tax has not been paid - so I'm unable to pay for needed home repairs and remodeling.
Thank you for your help.
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| 07/13/2022 |
Yes |
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- Trouble during payment process
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Web |
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RE : INCORRECT Escrow Surplus Check ( acct XXXX ) To BSI, I hereby am requesting a clear explanation as to why the Escrow Surplus Check was only {$240.00}. I am requesting this Under the Real Estate Settlement Procedures Act by way of a written request regarding the servicing of my loan.
Name : XXXX XXXX Account # XXXX In addition, to date that is the only refund I have received. I am still waiting for the refund check for XX/XX/2022.
Here is the math behind my complaint and written request.
Incorrect amount charged by BSI Financial ERROR Correct amount Surplus Received Deprived of the remaining over payment XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$240.00} {$140.00} XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$0.00} {$380.00} Total Due still not refunded {$520.00} *see formal written Acknowledgement from BSI attached I am demanding the total owed to me for Escrow overpayment {$520.00} immediately. I am formally submitting this complaint not only to BSI Financial Witten Requests but also the Consumer protection Financial Bureau.
BSI response to my first complaint has not been fulfilled. Therefore, I will not only ask the Consumer protection Financial Bureau to reopen the first violation and open a new complaint for another non-compliance report another compliance with Mortgage servicer Federal Rules.
Regards, XXXX XXXX XXXX
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| 01/16/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2022 I had noticed that my account with BSI Financial was being charged an fee of XXXX daily since XX/XX/2022. When I spoke with a representative, they told me that the fees where default interest. I then asked was my account missing payments or was I behind. The representative told me no my ACH is in automatic payment and they pull from the account on the XXXX and the XXXX of every month. I then asked how I am receiving default interest on the account if its not in default? The representative then said that is a good question and flagged my account for review no action was taken so I called again, and I was told the same thing by a supervisor who referred me to my promissory note and the default interest clause which had nothing to do with the relevance of our conversation. No one could seem to provide me an answer to why was I being charged for a fee with default interest daily. All calls where recorded and after seeking no help I reached out to the loan XXXX who helped orchestrate the loan and he also spoke with BSI Financial on this matter in where he discovered that they were using predatory lending practices against me. No resolution was found, and they refused to help me and told me to seek legal counsel for this matter. The month XXXX is XXXX. The account is at has XXXX in default interest fees since XXXX XXXX XXXX
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| 10/03/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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BSI never removed a XXXX put on my property after loan ( XXXX ) was paid/satisfied in XXXX of XXXX. Property was in escrow and now can not be sold whereby I am losing hundreds of thousands of $ $ $ daily. I have contacted their CS Dept who has acknowledged that BSI dropped the ball on this. BSI CS has advised they are dealing with their " shadow '' internal " ROL Dept (? ) '' to get this resolved. However- the ROL Dept supervisor XXXX XXXX states she is actively working with their " vendor '' ( who also seems to be a shadow entity ) to get this resolved. Yet this tells me nothing more. No ETA - where they are at - NOTHING. I will not standby and have this happen to me and have retained legal counsel on standby if this does not get resolved ASAP. I have also contacted ( 6 ) of BSI 's Leadership/Sr Mgmt officers of the company with formal complaints as of today. I also will be reporting them to the Consumer Affairs & to the XXXX. In addition - I have COntacted XXXX XXXX XXXX XXXX who is the end client of BSI 's. They have advised they too are not getting anywhere with them. I also see that BSI was sued back in XXXX of XXXX for poor loan servicing practices to name a few. It seems that new leadership needs to be at the helm with all these poor reviews and having had a subsequent lawsuit that will no doubt result in more.
|
| 11/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Paying off the loan
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|
Web |
Servicemember |
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I have been a customer with BSI Financial for three years. During this time I have never defaulted on the loan or been late. Recently I decided to sell my house and began the process with my realtor. I requested a payoff quote from BSI that was issued on XX/XX/2023. This was provided to the realtor and the title company. The payoff stated this amount was good through XX/XX/2023. BSI unbeknownst to me, sent out an insurance escrow payment of {$300.00} on XX/XX/2023. On XX/XX/2023 the title company wired the amount on the payoff quote from BSI to payoff the mortgage. On XX/XX/2023 I received a call from BSI stating they were rejecting the wire because it was {$300.00} short. After numerous calls from the title company and myself to BSI, there is still no resolve. Ive been informed that it is not their problem basically and that the payoff team doesnt take calls. XXXX XXXX, they emailed me stating my payoff was now almost {$700.00} because it is a 30 day payoff estimate. I called again this morning and was told Id just have to pay it and interest fees. Allegedly, theyd refund me any overages. I expressed that I shouldnt be responsible for interest all of these additional days due to an error on their part. The issue has been escalated to the presidents office there twice and still, no one will resolve my issue.
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| 09/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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The mortgage company has the incorrect amounts for our taxes for our escrow reconciliation causing our monthly payment to be higher than it should be. They show our county taxes as {$2800.00} when they are actually {$2500.00}. They show our city taxes as {$9200.00} when they are actually {$7900.00}. They show our solid waste as {$2300.00} when it is actually {$560.00}. We have provided all of the documentation showing the correct amounts due in the form of the actual tax assessments and they refuse to update the escrow calculation with the correct amounts until they actually pay the taxes months from now. Part of the incorrect calculation is for a supposed escrow shortage however the statement doesn't actually show where the shortage occurs because that month is missing completely. Our escrow reconciliation statement is missing the month of XX/XX/2022 completely as well as the tax payments for the current year causing the numbers on the statement not to balance. The statement they provided shows an actual escrow balance of {$7900.00} in XX/XX/2022 and skips XXXX completely and picks up with an estimated escrow balance of {$3700.00} in XX/XX/2022 without explaining how you get from one amount to the other. We have requested a full statement with all months and tax payments and they have refused to provide.
|
| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have been dealing with BSI Financial 's Loss Drafts Services because my house flooded and my insurance requires that my loss check be endorsed by my mortgage company. They have had the check for two months, and have made it virtually impossible to get paid. When I finally met all of their requirements and jumped through every single hoop ( which was difficult because every person I talked to told me something different ), they told me they would send me a check ... and then they didn't. It seems like they are actually trying to prevent me from being paid. I'm a fairly reasonable person and a lawyer, but I feel like if they are doing this to me they must be treating others the same way, and it's frankly unacceptable that people with damaged homes need to spend hours and hours begging their mortgage company to give them their insurance proceeds. Right now they are giving me the run around on a check that is over {$40000.00} because they keep doing it wrong ( writing it for the wrong amount, mailing it to the wrong address, etc. ), none of which is my fault. I am at my wit 's end and honestly I think they may want me to default on my mortgage. I would never work with BSI if I was choosing a mortgage servicer. Please be careful if you are working with them and do not let them get away with not paying you.
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 05/02/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I entered into loan deferment and modification process with BSI Financial mid XXXX ( originally XXXXXXXX XXXX loan ). I have been requesting to end deferment and move forward for nearly a year now. I did finally get presented with 2 options in XX/XX/XXXX, ( see attached ), of which I selected option 1. I expected to see modification docs within a month or two and begin making payments in XXXX or XXXX ; however, I have not received any correspondence since, except for the one email saying it was still in process or awaiting some agency approval. Follow-ups by phone are made about every two weeks, and at best, I get the same answer or no answer or promised a callback that virtually never happens ( I can only recall one ). I am also noticing that my mortgage has now been being reported as delinquent to credit reporting agencies for the last several months!! I feel like someone is purposefully trying to keep me from getting back on track and trying to take my home, which has significant equity. I have been ready and able to make payments for quite some time. I also have been getting strange junk mail referencing a mortgage amount that is unfamiliar, but quite close to the deferment amount I agreed upon, so I feel like something is happening, but its being hidden from me or something.
Thank you
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
|
XXXX XXXX sold the deferred amount of {$95000.00} to BSI, but are not deducting the sold amount from the retained amount when reporting to the credit bureau. My statement balance with XXXX XXXX is {$310000.00}, but XXXXXXXX XXXX is falsely reporting {$410000.00} to the credit bureau to include the {$95000.00} they sold to BSI. The issue is that I'm making payments to BSI so XXXX XXXX is not reducing the {$95000.00} as I make payments towards the deferred amount sold to BSI. XXXX XXXX XXXX reason is that BSI is not making them aware of my payments to BSI. Since XXXX XXXX has decided to report the {$95000.00}, which no longer belongs to them, they are responsible for reporting the correct amount therefore should do their due diligence to achieve updated information from BSI each and every time that they report my balance to the credit agencies. As I am making them aware that they are not reporting the correct balance of the deferred amount that they sold to BSI they are willfully and knowingly reporting an incorrect balances of the amount that I owe on the original deferred amount of {$95000.00} which is impacting my credit score therefore impacting interest rates offered to me. This means that there is harm if I were to file a tort claim which I am seeking legal assistance in this matter.
|
| 04/21/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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To whom it may concern, For several months we been having problems with Bsi financial services processing our mortgage payment which were purchase in postal money orders. Bsi financial wanted us to sent the payment to a XXXX XXXX which we did for years but in several month our mortgage payments was arrive late we start sending to physical address which we mail out payments on the XXXX XXXX XXXX or XXXX now I did spoke to a manager at Bsi financial stated he'll take care of it. XXXX my Mortgage payment change and was sent out.XX/XX/XXXXXXXX payment sent out. XXXX XXXX we sent out XX/XX/2022 payment XXXX XXXX I notice the money order XXXXXX/XX/XXXX short immediately I contact Bsi financial to inform them I sent a {$1.00} money order I tried to payXXXXXXXX XXXX by phone with my debt card they would not accept it only bank router number only on XXXX XXXX I received the envelope with money order the address cross out it state return to sender refused unable to forward also I have original money order stub also have letter that was sent back as I writing this Bsi call me twice I said hello hello no answer I guess they wanted proof they call me back at least say something.Also they charge a late fee which I don't feel that it fair I'm confused why send the {$1.00} dollar money back. why?
|
| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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XXXX XXXX XXXX # XXXX took my loan from BSI Financial with no notification and transferred it to a FAKE XXXX XXXX opened by XXXX XXXX XXXX. XXXX XXXX XXXX is not an authorized mortgage provider, not a bank, and does not meet federal mortgage regulations. XXXX XXXX no longer has been employed by XXXX XXXX ( where my loan was first held ) since 2021. XXXX XXXX illegally made this transfer breaking all the laws as he is also not under the NMLS for BSI or XXXX XXXX in fact his is related to XXXX XXXX. XXXX XXXX made this transaction with XXXX XXXX XXXX to steal the real estate and avoid a lien process. XXXX XXXX has cooperated and aided XXXX XXXX XXXX in this illegally identity theft, mortgage theft, falsely of a mortgage company, banking fraud, and retaliation due to divorce proceedings. This needs to be rectified back with XXXX and XXXX XXXX needs to provide all documentation in regards to the submission and communication to XXXX XXXX XXXX as he has refused. Noted also XXXX XXXX XXXX paperwork does not match her filings with the state of Oregon. She is filed under XXXX XXXX XXXX, her fictional paperwork states XXXX XXXX XXXX XXXX, then at the top it just states XXXX XXXX none of this meets the regulations or mortgage guidelines. It is a false copy to mimic XXXX XXXX XXXX XXXX XXXX
|
| 05/16/2023 |
Yes |
|
- Trouble during payment process
|
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Web |
Servicemember |
|
In XXXX, at the outbreak of XXXX, my wife worked at XXXX XXXX XXXX in XXXX, XXXX. My wife was forced to take a paycut by the school, and while this was a financial hardship for us, we paid our bills and took on more debt. We were made aware of the Veterans Administration homeowner forbearance program, determined that we were eligible for it, and participated in the program.
The amount under forbearance was assigned by the VA to BSI Financial Services.
Working with BSI has been a nightmare.
1. There was no explanation or warning that the amount would be assigned to a different company than our original mortgage broker, 2. BSI Financial just sent us a letter telling us that we owed them several XXXX dollars, with no introduction or context 3. When I expressed my concerns to them about the settlement BSI had with the CFPB and the issues outlined by the XXXX they were dismissive of my concerns, and told me to " not believe everything I heard on the internet.
4. I am currently getting a HELOC loan, partly to ensure I do not have to deal with them anymore. They have refused to release my payoff statement.
This company is a nightmare, should not be in business, and definitely should not be contracted by the Veterans Administration to handle VA loans. We have suffered enough.
|
| 01/04/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage account was sold to BSI financial as of XX/XX/XXXX. I tried to make my XXXX payment with BSI ( first payment with them ) I made an online account and right off I see it says 61 days late. WHAT!!?? This is my first payment to them. I havent been with them 61 days. My last payment was to my old Mortgage lender. Due to this 61 day late thing I was unable to pay my payment. So first thing Monday XX/XX/XXXX I call they are closed. First thing today I call only to be put on hold for an hour then hung up on. I call back and had to leave my number. Finally at XXXX I get a call back from a very rude lady hacking up a lung on the phone who says she is unable to take my payment and there is nothing she can do on her end with the payment and the false information on the website. She stated she will email somebody and will get back to me. I demanded to be attached to said email and she stated NO very rudely. So again I demanded to be emailed something stating I called to make a payment and they refused to take it. She got upset but agreed. I have yet to get said email and worried from the reviews about the shady stuff this company has been doing this problem will get worse before better. All I want to do is make my payments and have corrected information posted to my account.
|
| 11/01/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
XX/XX/2023 made 1 year since we applied for a partial loan with the VA. Since XXXX of last year the partial claim has yet to be paid due to the fact that the mortgage company is givng the VA department the wrong account number to process the payment. I have been calling weekly to get updates and to speak to my point of contact but she has yet to call me back. I have also emailed her and still no response. Im afraid they are waiting and we could lose our home. Every month that we pay our mortgage they send a letter the follwoing week and the past due balance is always higher. We also cant access the online portal for BSI because the loan isnt current. So basically we have to go with whatever they are saying. We have asked for a print out of all payments that has been made to BSI and haven't received these documents either. I dont understand how this can happen to a veteran family. A veteran that has XXXX XXXX XXXX When we was switched to the new mortgage company our past due balance was no where near what it is now. They tell us that as long as we are making monthly payments they are holding the money in an account until the VA pays them and itwill bring the loan current. This is also affecting our credit. We have read many reviews on BSI financial and they are not good.
|
| 02/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
BSI Financial services has failed to process multiple payments in a timely manner including for XX/XX/XXXX. They keep blaming a " delay in mail '' on this issue. I sent the XXXX payment on XXXX XXXX, XXXX and it was not processed until XX/XX/XXXX. I was on vacation when I realized the payment was going to be passed the late fee date so I called customer service ( which is always a joke to deal with ). They did nothing but tell me the mail was late. I had to call multiple times and try to stop payment on the check which I was unable to do while on vacation. A representative told me they had stopped the payment on their side, which was a lie. I then scheduled a payment so I would not get tagged with late fees. XXXX payments then got taken out of my account, one on XX/XX/XXXX and the other on XX/XX/XXXX which caused me to incur fees from my bank. I called to complain but nothing was resolved. Now I am having to deal with them not providing me with a 1098 tax form. It was allegedly sent via mail on XX/XX/XXXX but got lost to a " delay in the mail system ''. My tax information is also not posted on their website and I am having difficulty getting them to provide it. This includes a request on XX/XX/XXXX in which I was told I could not have both a print and emailed copy sent.
|
| 06/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I closed on a refinancing loan with XXXX XXXX XXXX/BSI Financial Services on XXXXOn that date, {$1300.00} was held in escrow for XXXX XXXX XXXX taxes due XX/XX/XXXX XXXX The amount owed was {$1000.00} by XXXX have a copy of the tax bill.
In XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX XXXX XXXX informing me that I owed {$1200.00} for XXXX taxes ( plus late fees ). I immediately contacted BSI as well as sending them a copy of the certified letter. In XXXX, I called BSI and the Tax Claims office almost daily to see if the issue was corrected. Each time I talked to a BSI customer rep., I was assured that it was being taken care of. It wasn't! I asked to speak with someone in finance... I was denied!
In XXXX, I received a check for escrow overpayment of {$1100.00} which was caused by the failure to pay XXXX XXXX property taxes on my home as well as my land. I had personally paid approximately {$300.00} for my land taxes in XXXX assuming there would be confusion paying the land taxes too.
My complaint is that I am owed the difference of {$1000.00} and {$1200.00} or {$180.00} for late fees accrued for BSI not paying the owed County property taxes. By law, they are responsible for any late fees and it is not right that they will not meet their obligation!
|
| 10/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
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on XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage loan to BSI financial. On XX/XX/XXXX XXXX had deducted mortgage payment from my checking account for the month of XXXX, XXXX. I was aware of the transfer but I could not create an online account as I had no account number at hand and their phone service ask for account number to get to a customer service desk.
XXXX weeks later, I get a letter from BSI that I have not made payment for XXXX. I contacted chase via secure messaging about the issue and proof of payment. XXXX representative told me to have BSI contact chase and they will correct the issue.
Now, I have contacted BSI XXXX or more times via email, phone, messaging services. I get no replies to emails and messages. The representatives on the phone tell me they will call me back after investigation and I hear nothing back.
I am approaching the end of 60 day grace period, the time we are allowed to correct any issues. I have never been late on a single payment ever. My XXXXredit score is over XXXX and from the reviews I have read about BSI, I know my credit score is going to take a hit. This issue has caused me mental distress and sleepless nights. I don't know what to do at this point.
I will greatly appreciate your assistance Thank you, XXXX XXXX
|
| 05/25/2021 |
Yes |
|
- Trouble during payment process
|
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Web |
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I purchased a house through the VA 's foreclosure process and have a VA backed investor mortgage. The company servicing my loan is BSI Financial Services. The loan closed in XXXX. I have not been provided with a mortgage statement now since XXXX. I first called in on XX/XX/2021 to request a mortgage statement as I need one now as I'm in the process of refinancing my primary residence and the mortgage company needs a copy. I've now called BSI 7 times. I also created an online profile and there is no mortgage statement showing. I was told the first time calling to allow 24 hours for the statement to show online. It didn't. I called a second time and was told it would be sent via email in 24 hours it didn't. I've been told it would be expedited and clearly it hasn't. The call line claims another department handles it, but won't transfer me. I've asked for a supervisor, but can't get transferred to one. This has been a horrible experience and I've been lied too numerous times and there still is no resolution.
I have paid on time every billing cycle even though no one has sent me a statement. In fact, I'm even enrolled in auto-pay. I thought it was required to provide a mortgage statement. Now, this is going to cost me the opportunity to refinance my mortgage.
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| 02/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have been trying to get our mortgage escrow account canceled since XX/XX/XXXX. Despite numerous calls and emails, BSI has repeatedly failed to respond to us. BSI 's poor communication and business practices have resulted in double payment of HO insurance and property taxes, resulting in funds missing from our escrow account. Because our escrow is now negative, they refuse to cancel it and continue to bill us each month to fund it. We call and get promises to escalate and get back to us, but nobody ever does. When we follow up, we find that nothing has been done and we're given more promises that aren't kept. We've followed every request they have made, provided all information they have asked for, and yet BSI has done nothing to resolve the situation or even call us back. The one time we got a call - after escalating to a BSI executive ourselves - we happened to miss it. Despite calling back 6 minutes later, the person didn't answer and never returned our call. Tried again the next morning. No pickup, and no callback.
Bottom Line : BSI needs to return thousands of dollars to our escrow account, and cancel it per our original request. After 8 months, it's obscene that we can not get a resolution or even reasonable communication as repeatedly promised.
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| 10/14/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I was doing the forbearance and then my previous loan servicer sold my loan to BSI financial. At the end of my forbearance ( XXXX XXXX ), I initally wanted to do a loan modification but they gave me the run around and told me I was already behind and that it would take several months to get that approved if I was approved at all. So then I decided to just pay the balance. I set up the first payment of {$4500.00} and they took that payment on XX/XX/XXXX, and the remaining balance was going to be paid a month later. A week ago, I got a check in the mail from XXXX for {$4500.00} and the letter states it was returned for the reason of " Unapplied Funds ''. The next day I got a 45 day forclosure notice in the mail. At this point I have been calling and emailing every day and nobody will return my calls or emails. Then yesterday my credit dropped XXXX points and it shows a major derogatory and 180 days behind on payments. I was in the XXXX 's with a 100 % payment history for several years, and now my credit is ruined. I have all the money to pay them, but nobody will contact me. I am beyond frustrated and I feel like I am being scammed somehow. I did not cash the check they sent me so those funds are still in their account. Please help me ASAP. Thank you!
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| 12/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Every 6 months when my property taxes are due, BSI financial does not pay them on time. I get a notice from my county treasurer explaining that they are late and that a fee will be added on. BSI then pays the late property taxes including the fee from my escrow account. It takes me 1-2 months and repeated phone calls to get the fee refunded back to me. They then promise that they have fixed the issue with the timing. 6 months later it happens again. I'm now at the fourth time the issue has occurred and have tried 3 times to get this fee removed from my account. Based on prior interactions I expect I will have to call a few more times to get resolution and that I will have to restart this process again in a few months.
BSI has absolutely atrocious customer service and I don't see them having any real reason to fix it. There is no incentive that I see for them to do better as helping me costs them money every time and avoiding helping me may make me give up in frustration and they get to keep that money from their error. Looking at reviews online, I'm clearly not the only person who has these troubles. I never chose to have BSI buy my loan and be the servicer so it is frustrating to get this terrible service I never wanted.
I hate BSI so, so much.
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| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is related to XXXX. I have not received a response from BSI or the CFPB. This problem began over a year ago, when BSI failed to pay my property taxes, and have made many, many errors since, resulting in BSI retaining more of my money than it should and keeping erroneous records.The last statement I received, the portal and this enclosure all state that my outstanding principal is {$350000.00}, but from your own accounting, the total principal paid since loan origination is {$21000.00} : PER Statements BSI Amount Principal to XX/XX/XXXX XXXX XX/XX/XXXX principal paid XXXX Principal to XX/XX/XXXX XXXX As the original amount borrowed was {$380000.00}, the current principal should be {$360000.00}. [ {$380000.00} - {$21000.00} ]. This means, you have inappropriately reduced my principal by {$3500.00}.
In addition, the check that I sent you dated XX/XX/XXXX, # XXXX was in the amount of {$1700.00}, but your " XXXX XXXX XXXX XXXX '' seems to reflect that BSI accounted for {$1700.00}. BSI shorted me {$0.00}.
Further, the " XXXX XXXX XXXX XXXX '' suggests that late charges are still on this account, to which I object.
Please have someone get in contact with me as soon as possible and explain these discrepancies or send me a check for {$3500.00}.
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| 08/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Private mortgage insurance (PMI)
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Web |
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In XXXX of this year, our mortgage payment brought our mortgage balance below the 78 % LTV ratio of the original appraisal amount that our mortgage servicer lists in their contract and on their website as the point at which PMI will be automatically cancelled for all loans in good standing. I called earlier in the year to confirm the amount the loan needed to reach and that this was an automatic process. In XXXX, however I noticed the servicer was still deducting the PMI fee from our escrow. I called and emailed via their secure message portal to let them know this was still happening and to remove the PMI. One month later the fee was deducted yet again. I again called and they told me I must email a scanned copy of hand signed letter with my request, despite it being publicly noted that the PMI removal was an automatic process. I was irritated but complied, and received no response. In XXXX, the PMI insurance was yet again deducted from my escrow. At this point, I do not know how to have this stop. I have tried no less than 5 times to have this monthly fee removed for something that is supposed to be automatic. I fear reducing my monthly payment by the amount I should no longer be paying as I suspect they will say I am in default. Please help!
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| 04/22/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In previous complaints I have addressed the inconsistency in BSI 's failure in posting timely documents for me to pay my loan. Due to the status of my loan, I am diligently trying to make attempts to resolve my account without paying the ridiculous {$3200.00} 6 month payment plan designed to take my home. In addition, the investors would be holding money earning interest on XXXX monthly. I am not giving them the satisfaction.
In XX/XX/2021, the manager, whom I spoke with on the phone XXXX XXXX, was somewhat hostile in her tone. While I kept it professional, I really wanted to her off. The only thing she did do was finally assign me to another loss mitigator. When I asked about getting statements posted timely, I was told that was a customer service issue and she could not do anything about it. This is on recorded conversation if you don't believe me.
Secondly, I am continually getting fees and charges that are being added to my account with no explanation and not receiving any documentation in the mail. They charge whatever they feel like. This has to stop and is illegal. As a customer, I have the right to know what is being charged. I should not have to call customer service to find out what the charge is.
I have attached my exhibit.
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| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI changed our payment amount by about {$1.00}. We have been sending in the amount we knew we were supposed to send in through our bank by an automatic payment. This has been happening since XXXX and we didn't know because they had our wrong address on file, so we were never notified. In XXXX they decided to stop doing it that way and just held our payment and reported us late. Then they did it again for XXXX. We received a phone call from BSI as we were in the middle of buying another house for my mom who is getting out of an abusive relationship, and the person said just add 3 dollars to your next payment and everything will be okay, there won't be any lates or anything. My wife fixed the payment so that it would be correct and we were clear to close on the home for my mom, then these reports came out and destroyed our plans. Our credit is messed up and we have been calling for 2 and a half weeks and can't seem to get through to anyone who can help. The customer care won't put us through to supervisors and the one we finally did get through to will not call us back. This was all because they had our address wrong and didn't send notification that the payment had changed and stopped pulling the extra {$1.00} from escrow. Please help us.
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| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage was transferred to BSI Financial and they are awful. It took them over six months to update our credit reports with the new account. They are incredibly difficult to get service from and frequently provide contradictory advice when we call them.
Our most recent issue is trying to get PMI removed from our loan, as the balance is less than 80 % of original value. When we first inquired about this, we were told to order our own appraisal as the lender could not order it for us. We consulted with local appraisal companies and were told that if the order didn't come from the lender, it would not be appropriate. So we decided to wait until the loan fell under 80 %.
When the loan fell under 80 %, we got a letter from BSI saying that we needed to submit a written request to cancel PMI. We submitted a written request on their website, which was ignored. When we called back, we were told to write a letter, but not where to send it. When I called a third time, I was given a form to fill out, which required a charge to order an appraisal - something we were told we had to handle ourselves. We ordered and performed our own appraisal already. When we asked to speak to a supervisor to find resolution, we were placed on hold indefinitely.
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| 03/03/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My mortgage company requires HO insurance and handles this through an escrow account. My HO insurance policy renewal is in XXXX and was placed with new insurance carriers on time. I had to pay out of pocket the down payment on the fire policy and in full for the wrap around policy. All paperwork was sent to the mortgage company by my insurance agent and also by me. Ever since, the mortgage company has XXXX this up and has tried to charge me for their own version of insurance instead of recognizing that I have full coverage already in place and am compliant with their requirements. Besides trying to charge me for unneeded insurance they are also increasing my escrow payment unnecessarily. Both my insurance agent and I have made several attempts to get this resolved but as of the date of this complaint the mortgage company has not resolved the issue. Attempts to resolve this through their customer service number have been unsuccessful and their customer support person was extremely rude and dismissive and no help whatsoever. Attempts to resolve through their insurance department were more positive but always are pushed off to an automated system. So, it is almost impossible to actually get anyone to help and know the problem is resolved.
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| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Our mortgage is set up with auto-pay. We pay {$1100.00} on the XXXX of each month for a payment that is {$1000.00}. We have been doing that for at least XXXX months.
Apparently the mortgage lender ( BSI ) sent us letter ( s ) starting in XXXX, XXXX stating they did an escrow analysis and we were to pay more towards the payment until the shortage was cured. It wasn't until XXXX, XXXX that we received and reviewed that letter, and called BSI to clear up the escrow shortage. We recently had our credit pulled to apply for a new mortgage and we were told by our mortgage loan officer that we had 5 late mortgage payments from XXXX, XXXX through XXXX, XXXX. We never received ANY letters from them until XXXX, XXXX, and when we did, the shortage was cleared up immediately. BSI has no proof they sent or we received their letters. They did not send them via certified mail. BSI said they left us numerous voicemail, but my wife and I never received a voicemail. All we know is that the payment was made every month via auto-pay, and we were unaware there was ever a shortage until XXXX, XXXX when we did get a letter from them via US Mail . We are requesting they remove ALL late mortgage payments from XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX.
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| 06/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced and my mortgage was sold to BSI financial. Initially, I used their online services to pay my mortgage but the system was unreliable and I would miss mortgage payments. I switched over to my bank to pay the mortgage. This initially worked but in XX/XX/XXXX, they increased the mortgage due to an escrow shortage. I didnt want to pay more on my mortgage so I sent monies to cover the escrow shortage. I spoke to a BSI contact and was told that the money I sent would be added to the escrow and I can continue to pay my original mortgage amount. This did not work out as planned. BSI didnt apply the monies to the escrow shortage so each of my monthly payments were short. I called BSI repeatedly even paid additional monies to get the money to the escrow shortage and still the problem continued. Finally, i decided to just pay the new mortgage amount to stop the insanity. Now, they are saying I only paid a portion of my XXXX mortgage and they want the remainder. My bank records show the full amount was paid. In fact, my bank records will show all my efforts to work with BSI. I have asked them repeatedly to sell my loan but to no avail. I see they were fined in XXXX for similar issues. Just note the problem continues. Please help me.
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| 11/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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We refinanced our home in XX/XX/XXXX. BSI Financial was assigned to service the loan. The first property tax they were responsible for paying was due XX/XX/XXXX, in the amount of. They failed to pay the tax and I had to call them twice. The bill was finally paid on XX/XX/XXXX. BSI did cover the delinquent penalty of {$56.00}. XXXX did pay the next quarterly installment of {$1400.00} due on XX/XX/XXXX, posted by the County on XX/XX/XXXX. The next quarterly installment, {$1300.00}, was due XX/XX/XXXX, and deducted from our escrow account on XX/XX/XXXX. The County never received the payment. I called BSI on XX/XX/XXXX, was told they mailed the check on XX/XX/XXXX and they would look into it. I checked the County website again on XX/XX/XXXX, the taxes had still not been received. I called BSI again after I checked the County website and spoke to XXXX, who put me on hold to go talk with someone in the Escrow Div. She told me they were aware the County did not receive the payment and that a check would be expedited. I kept checking the County website, no payment received. Waited two weeks, called BSI, XXXX on XX/XX/XXXX. She put me on hold and pretty much lied to me that they just became aware of the problem. Today XX/XX/XXXX, no payment.
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| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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I want 2 things.
# 1. That my account be reported as paid off and in good standing which it is now # 2. That the delinquency notice be removed from my credit report THIS IS BECAUSE OF THE FOLLOWING BSI over billed my account over {$1000.00} & then reported my account as delinquent BSI mistakenly billed me for {$1500.00} payoff agreement with a deadline of XX/XX/XXXX and then an updated payoff agreement for {$1500.00} in a payoff agreement with a deadline of XX/XX/XXXX. However, I was being billed for over {$1000.00} over and above what I should have been billed for in a payoff agreement.
I was certain the amount I was being billed was incorrect. So finally after a month of six different phone calls to customer service, BSI admitted its mistake and I was issued a payoff agreement for {$540.00} with a deadline of XX/XX/XXXX. On XX/XX/XXXX I wired this amount to Bank : XXXX XXXX XXXX Beneficiary : BSI Payment in Process Clearing Account and my account is now paid in full.
However, for some reason a delinquent account notice was triggered on XX/XX/XXXX and is now being reported to credit agencies. Since this was a clear mistake on the part of BSI, BSI needs to change the delinquency notice and remove it from the credit reports.
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| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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in XXXX we completed a trial period then the account rep stop taking our calls or emails. we stopped payments because of ongoing pandemic and personal hardships, Out of the blue we received an offer trial payment modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a {$10000.00} payment! i advised BSI INC, that we would have {$13000.00} some time in XXXX. when We contacted BSI in XX/XX/XXXX saying we have the {$10000.00}, BSI said we now must pay {$26000.00}. BSI sent us a notice of intent to foreclose on XX/XX/XXXX. We have sent BSI many notices asking for reconsideration and reinstatement and another chance a modification along with a copy of a check for {$15000.00}! Meanwhile, we have been receiving calls, emails and texts from investors saying they want to buy our house even though our house has not been put up for foreclosure. We think BSi has never really intended or wanted us to have a modification, We sent BSi a certified letter in XX/XX/XXXX requesting a review of our escrow account. Since that time BSI has not given us a stable monthly payment. Now they have leaked our personal delinquent account information out to investors and are trying to force us to foreclose without any fair chance at a modification.
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| 11/19/2023 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have my mortgage payments set on auto pay with my lender. BSI by weekly from there. The mortgage payments is put into a file type. That does not report the payments for some reason. I paid my mortgage XXXX the full payment and half of the XXXX payment BSI the lender reported my mortgage as not paid when in fact, my mortgage was paid for 2 months. And I have statements from my bank account where I paid the full XXXX dollar. I called BSI spoke with a lady by the name of XXXX. And she confirmed that they did have my payments on file for XXXX and half of XXXX. And the other half of XXXX will be taken out on XX/XX/XXXX. She didn't confirm that their system reports late payments if the payment is not paid. However, again they had my payments which was withdrawn from my XXXX XXXX account and XXXX confirmed it on XX/XX/2023 Then she stated she was going to call the billing department so that they can release my payments Again, I said that to say this BSI is withholding my payments and their consumer payments. Then reporting default and delinquent payments to credit bureau 's. Which is false information because indeed they have these payments. They're holding the payments so that they can XXXX their consumers. And I have documents.
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| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased a home in XX/XX/XXXX. At the time, the mortgage escrow account was funded so as to cover the supplemental tax bill that was expected. The mortgage was subsequently sold to BSI Financial. When I received the Supplemental Tax Bill in XXXX, I submitted it to BSI via their website. I subsequently followed up several times and heard nothing back from BSI until XX/XX/XXXX. By that time, the first payment due date on the taxes had passed and I had incurred a late fee of {$230.00} ( 10 % ). The representative on the phone ( who called me ) gave me a new email address to which I needed to submit the bill. I emailed it to them that same day. I heard nothing back. I subsequently followed up several more times with no reply. I called them today ( XX/XX/XXXX ) and was advised that my request to pay the supplemental taxes from the ( ample ) escrow account had been denied, and that I may get a refund at my next escrow analysis in XXXX. In the meantime, I will be forced to pay the property taxes in order to avoid a second late fee charge.
I believe that this company is deliberately dragging its feet and denying a perfectly valid claim in order to profit from having my escrow balance be excessively high for as long as possible.
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| 02/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received a new mortgage statement showing my payment went up roughly {$120.00}.
I called BSI financial to go over why my payment increased. They said it was due to an escrow analysis showing I was short {$800.00} in my escrow. I asked how that was possible when I overpaid escrow by {$230.00} in XXXX, and I show a balance on XX/XX/XXXX of over {$700.00} in my escrow account. The first rep said I needed to have at least {$1100.00} in my escrow to cover a 2 month cushion. I explained my XXXX taxes are {$1600.00} and my insurance is {$1900.00} annually. My monthly escrow is about {$300.00}, which shows I have more than a 2 month cushion. After this I had to speak with a supervisor.
No one at BSI could explain why I paid {$3700.00} in XXXX escrow when I should have only paid {$3500.00}. They also could never explain why I have a shortage when when my taxes and insurance are nearly the same from XXXX and XXXX and there was an over payment in XXXX.
This seems like suspicious activity. I've never been late on a mortgage payment, my insurance is the same as XXXX, and my taxes went up just over {$100.00}. Please also see attached documents where my insurance payments have been disbursed several times.
Thank you, XXXX XXXX
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| 09/07/2023 |
Yes |
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- Trouble during payment process
- Payment process
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Web |
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We purchased a home on XX/XX/2023 and our first mortgage payment was due XX/XX/2023, which we paid. We were notified that our mortgage loan had been sold and all funds paid on XX/XX/2023 will be forwarded over to the new servicing company. We later received a late notice from the new servicing company, XXXX XXXX, due to no payment. I reached out to premiere Mortgage, where the XX/XX/2023 payment was submitted and was advised the funds were transferred. I called XXXX XXXX on XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 and XX/XX/2023 all resulted in being told the payment had not been received. I then contact XXXX again both XX/XX/2023 and XX/XX/2023 and was advised the payment was received, yet with their Cashiering Department and to call back within XXXX days for an update. I called XXXX yet again on XX/XX/2023 and was told the payment was received, yet still not processed. The rep volunteered to send an email to the cashiering Department to clarify status of the funds being processed and was to contact me back. I did not hear back from XXXX and today I called and was advised the payment was never received.
The reviews for this company have been HORRIBLE and we are afraid we will be falsely reported to the credit bureaus.
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| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to XXXX XXXX and XXXX credit bureaus. I have been in a Chapter XXXX for four years they BSI Financial Services is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with BSI Financial Services my FIOC score was in the 600 hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly BSI Financial Services violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that BSI Financial Services remove the Chapter XXXX from my credit report my account number with BSI is XXXX.
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| 02/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My bank sends my payments in on the first and the loan servicing company doesn't apply them to my account until after the due date to charge a late fee. The bank mails my payment on the first and the loan servicing company applies it on the XXXX. THERE IS SOMETHING VERY WRONG WITH THIS! 17 DAYS TO GET TO THEM AND APPLY PAYMENT. They try saying that it is the post office. If this is true then how does the late payment reminder letter get to me in three days but 20 gays for payment to them. I sent a letter of thank you to a random business and they had it in 4 days. I called the post office they are not as far behind as the loan servicer is saying. What made me question this they have been servicing since XX/XX/21 and the last two months has been an issue. Yet the post office has gotten even better on deliveries. BSI Financial is fraudulently holding payment and applying them after the due date to collect late fees. None the less even if the post office was behind or their company was short staffed, that is not the consumers fault much less the consumers problem. This is fraud at the worst way and something needs to be done. I will be exposing this publicly and let the public handle this in the best way they see fit.
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| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The reason I'm reaching out is due to unable to get help for resolving an issue with the escrow account. This issue starts on XXXX, XXXX when I noticed the mortgage payment will increase on XXXX and shows that they sent a tax disbursement to XXXX XXXX of {$1200.00} for the tax year XXXX. This payment was already made from the title company 's escrow account when we did the closing. I have called the XXXX XXXX department XXXX to check with them about the payment and they confirmed that the received a payment from the title company and they couldn't find a payment from BSI financial services ( the mortgage company ). The XXXX collector department XXXX request a check from the mortgage company to proof the payment, I have tried many different times to get this copy of the check and they can't provide it, only information about the check number and when was cleared but this information is unhelpful since the tax collector office can find any information about this check and they said that if they send a check for tax payment and the taxes were already paid for that year they would have refund it back. I would really appreciate if I can get help on this situation on how I can escalate this problem to get a resolution.
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| 08/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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The last complaint i made in XX/XX/2023 was not resolved. The company responded on an attachment that would not open.
This is a response to complaints XXXX & XXXX in which we felt that we were given an incorrect payoff amount and charged grossly injust late fees and extension fees. In addition, there were seveal unapplied payments that have not yet been reimbursed. There was also an issue with the escrow account in which BSI recorded that they paid the outstanding taxes out of escrow in the amount of {$12000.00}, but we have provided proof that they only paid {$10000.00} to the tax authorities. The difference owed to us is {$2600.00}. They did state in their last response that they did miss the unapplied payments, and I am assuming they are going to refund those payments for {$6800.00}. We are asking for confirmation on that refund and an expected time of delivery. We are also asking for the unpaid taxes to be refunded to us in the amount of XXXX. That will be a total refund of {$9500.00}. We still feel that the unjust and deceptive late fees still need to be reviewed, but this complaint if focusing on the unapplied payments and the under paid taxes. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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* I have a 30 year fixed conventional mortgage of {$210000.00} at 2.875 % with an XXXX of {$870.00} without escrow closed on XXXX XX/XX/XXXX.
* My lender seems to have paid my property taxes to XXXX XXXX without my knowledge or agreement for the year XXXX payable in the year XXXX.
* I never got an explanation why it was done inspite of repeated emails and phone calls.
* I never missed any of my mortgage payments since XX/XX/XXXX till date.
* Also reimbursed the property tax payment back to the lender in XXXX of XXXX.
* Lender violated mortgage agreement by increasing my monthly payment without any explanation * Lender violated mortgage agreement by imposing penalties and late payments that were never explained * Lender caused emotional and financial burden to me and my wife by sending foreclosure notices in spite of never missing a payment ( not even any late payments ) * Lender never contacted back or explained the reason for their accounting.
* My account was reported to credit bureau this by damaging my credit history.
* No action has been communicated back to the borrower for the request to reconcile, even after sending all the paid check images that was brought over and sent from borrowers bank.
|
| 06/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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BSI Financial purchased our mortgage in XX/XX/XXXX. We learned about it from our previous mortgage company. I called BSI on XX/XX/XXXX to get information to make our payment, and was told the loan wasn't set up yet and to call back in 5 days. I called in XX/XX/XXXX, and was told they had no information about our mortgage and to call back. I called again on XX/XX/XXXX, and received the same call back request. I called a 4th time on XX/XX/XXXX and got to loan number and information on how to set up an account online. I thought everything was set after that, but we received a notice in XX/XX/XXXX that BSI didn't show we're had homeowners insurance. I called and gave them the policy information, and they indicated they'd pay it. We received a letter from our insurance company in XX/XX/XXXX that our insurance hasn't been paid. I called BSI again on XX/XX/XXXX, and they started they had no record of me calling in XXXX or that we had insurance. I have them the information again, including the insurance company name and phone number as well as the policy number. They said it would be paid the following business day. I just received another letter dated XX/XX/XXXX from BSI stating we don't have homeowners insurance.
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
this is my second time filling a complaint with BSI financial Services this all stared with my mortgage payment decreasing during covid. I called and asked about the issues and was reassured that there was no issues. at the end of XXXX my mortgage payment balloons to over XXXX from the previous XXXX the issue ends up coming up to being a tax issue I guess the forgot to apply all the taxes and just threw it on top of my current payments. cool no problem I end up paying over XXXX USD to fix the tax mistake they told me it was paid in full and my payments should go back down to XXXX not only was it a lie I'm still paying XXXX monthly with no real resolution I feel like they are just doing predatory things like marking my credit as 60 plus days delinquent for non payment. I asked for my credit report to fixed but they still left my credit in shambles. for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX still show a negative note or past due 90 days despite all the payments being paid in full. I'm asking for help because I this point I don't know how to make them fix the issue. this has caused my credit score to over 74 points just want my credit to reflect the real loan terms not over inflated payments
|
| 11/16/2022 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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My mortgage loan is currently Covid forbearance, CFPB has a previous record of my complaint originally. My mortgage with BSI has reported late payments as of XX/XX/2022, my understanding was my loan would be protected from reporting late on my credit report. I spoke last week with loss mitigation about my loan and they confirmed no lates would reflect on my credit report. My score has dropped drastically. I spoke with loss mitigation last week and they are very aware that XXXX XXXX XXXX was going to bring my account current. XXXX XXXX XXXX contacted BSI for payoff for past due balance. I also received a notification from XXXX XXXX XXXX my past due balance would be paid up to XX/XX/2022. I dont understand why BSI would report on XX/XX/2022 late payments on my credit report if I was protected? Why now, right before my past due was getting paid. They told me I was protected from negative or derogatory credit reporting. I am very disappointed and stressed out. I was trying to get a small personal loan for the holidays for my family and my credit was ruined and now I cant qualify for anything. I had good credit. I was finally going to get back on track. After loosing my job this year. Please help XXXX
|
| 10/04/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
Hello my name is XXXX XXXX I had a loan with BSI Financial that was transferred from XXXX XXXX XXXX in XX/XX/2021. When I was transferred over there was a negative escrow of - {$35.00}. I paid off loan XX/XX/2021 from a payoff statement of {$2900.00}. My normal payment is the 5th of every month so I paid the XXXX payment of {$87.00} i sent {$100.00} as I have since I had the loan. Then on XX/XX/2021 i PAID the payoff of {$2900.00}. This gave me a escrow balance of {$110.00}. I called about the refund from escrow and was told on XX/XX/2021 that refunds are sent 15 days after payoff. I told her it was paid XXXX and today is XXXX so its been 15days. She informed me that the refund would go out next day. I did receive a check for {$62.00} which left {$47.00} in escrow yet to be refunded. I have emailed them twice with no response. Today I am told that the invest says I came over negative ia the {$47.00} will go to the negative escrow. the negative was brought to positive starting with my XXXX statement, I am due the {$47.00} because per enclosed statements i no longer have a negative.
BSI Financial Services XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Toll Free XXXX Fax XXXX XXXX
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| 07/15/2021 |
Yes |
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- Trouble during payment process
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Web |
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THIS COMPLAINT IS AGAINST BSI FINANCIAL My loan was transferred form Round point Mortgage to BSI Financial on XX/XX/2021. When the loan transferred it had already been modified. I signed the modification documents in XXXX and it was the partial claim was recorded on XX/XX/2021. All the payments I have been making are not going to the correct months and it is still showing I am past due for 280 days. I have made several attempts to resolve this with BSI and they will never put my single point of contact on the phone. I call at least three times a week and never get a response. Customer serive always tells me that the modification is pending and my point of contact is not available. At first BSI claimed they were missing the recorded document, so I sent it to them. Now they are saying the FHA is not approving the loan and I only know that information from customer service. My loan has been with the going on 6 months and I can not refinance or take advantage of the lower rates on the market because they are reporting that I am not current on my payments. It is impossible to communicate with the people in this company and receive answers. I have called and emailed all supervisors with no response.
|
| 10/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
I called at least 2 times, on XX/XX/XXXX and on XX/XX/XXXX and additionally sent 2 messages through the loan portal to the mortgage servicer, BSI Financial Services, requesting the {$20.00} fee billed from XX/XX/2023 to be removed.
Previously, multiple BSI representatives have each time confirmed that the fee will be reversed/ removed, that it was already " approved '' and that it will be a few days to see this reflected in my online portal/account. This has not been done and the charge still shows on my account as of today, XX/XX/2023.
I have paid my mortgage payments diligently and always on time. The servicer has received a duplicate electronic payment ( 2 full mortgage payments in one month ). I have called my bank and confirmed no fee will be charged for the return of my funds and I have also called the mortgage servicer to confirm which of the payments should be reversed before initiating the request through my bank.
It is bizarre that no requested email confirmation can be sent to me from the mortgage servicer and each interaction is more a collection service than " servicing ''.
The request to remove the fee was ultimately verbally confirmed and it is time to get this fixed.
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
BSI Financial has reported our credit late for 120 days. This is incorrect for the following reasons : 1. We were under COVID Forbearance for 3 months and BSI wrote us a letter stating NO negative credit reporting was to be made XXXX, XXXX, and XX/XX/2020. Instead, they DID report us late during forbearance and for XXXX and XX/XX/2020, which has denied us the ability to buy another home.
2. We sold our house in XX/XX/2020 and made FULL PAYOFF to BSI on XX/XX/2020. BSI reported us late in XXXX AND XX/XX/2020 which is inaccurate. We informed BSI in XXXX the house had been sold and they still reported us late. We have not been able to buy a house because of the BSI mistake and BSI is completely unresponsive to our multiple requests for correction.
Our credit was reported 120 days late and based on the aforementioned information this was incorrect. We have tried several times to correct this and BSI customer service employees continue to send several requests to their CREDIT DEPARTMENT which never corrects their mistake.
BSI should honor their promise to us and rectify this issue so we can move forward and buy another home. This mistake has had a profoundly negative impact on our lives.
|
| 04/04/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
BSI financial did not pay my property taxes in XXXX causing me to come out of pocket to avoid penalties. I contacted them at the time to request a refund, was told it was processing, and never received any follow-up or the refund check.
My next property bill is due XX/XX/10 so I called them to ensure my bill gets paid on time. The representative was rude and dismissive and told me they would send the check XX/XX/10 which is the last day of the grace period. I verbalized thats unacceptable and will cause me to be charged late fees if they wait until the end of the grace period to pay and he continued to dismiss me and insisted they could not send a check by the real due date and they only pay at the end of grace periods. I reminded him they never paid at all last time and Im trying to prevent that from happening again and he dismissed my concerns yet again.
The bill should be paid by the actual due date, not the end of the grace period. If I wait until the last day of the grace period like they instructed me to and they fail to pay my bill yet again, I will have to pay out of pocket and get slapped with penalties. This company is notorious for mismanaging escrow accounts. Please help.
|
| 09/15/2020 |
Yes |
|
- Struggling to pay mortgage
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Web |
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My current FHA backed mortgage is being serviced with BSI Financial Services. When Covid hit, our income was significantly impacted. We called BSI Financial asking them about our options. They had us download the Loss Mitigation application, but we never filled it out. We then called and asked again what our options were as we are still currently experiencing a hardship. BSI told us that they do not offer forbearances, and that paying our mortgage was the best option for us. On XX/XX/, we sent an email asking again what our option are for a forbearance explaining to them the hours and income had been reduced significantly. They never responded to our email request. On XXXX BSI called my work, reaching my manager, and having him tell me that I need to get in touch with BSI and to call them at XXXX. We were not able to pay the full amount of our payment ( we were {$300.00} short ), and they said that we had 3 months to pay that remaining {$300.00} over 3 months, but if it went over the 3rd month that it would be a bad situation. Our credit has now been impacted significantly, even though the CARES Act allowed forbearances on all federally backed mortgages, and a freeze on foreclosures.
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BSI Financial Services is reporting lates on my credit file. I recently checked my credit and noticed these lates. I had been making my payments a little past due but not 30 days past due because of a custody battle i am currently in the middle of. I have had to pay large amounts in attorney fee 's and was running low on funds. Regardless I had been trying to make my payments asap to avoid these late notations on my credit file. The couple past due payments I was not aware of until I checked my bank account and realized it had not been drafted. I checked my online account and noticed that the payment had not gone through due to a incorrect account number that I was not aware of. I fixed it and sent it through hoping it would go through in time. It takes a while for it to process through the online system so I made the payment on time but it was not processed on time. I had been on time for the past three years and these late notations really dropped my credit scores. I am asking as a long time customer that you remove the late notations as a one time courtesy. I truly did not mean to be late but with COVID and trying to regain custody of my child it has been hard to make ends meet.
|
| 02/27/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Recieved letter from BSI Financial dated XX/XX/XXXX stating my flood insurance amount {$100000.00} does not meet the requirements of the company. they acquired the loan on XX/XX/XXXX from XXXX XXXX.. the mortgage amount is approx {$96000.00}. I called FEMA they give me the regulation that the minimum amount of flood insurance is the lesser of the value of the house or the mortgage or the value of the property. clearly would be the {$100000.00}. BSI told me they could care less about the minimum, they require the maximum {$250000.00}. To me this is clearly an overreach by BSI Financial and not good business practice.and will cost me a lot of extra money each and every year. We have lived in this house 27 years and have never had any flood problems.Was placed in the flood plan in XXXX when FEMA needed a lot more property to pay for national coverage I have talked to BSI 3 times and have got the same response and attitude each time.BSI Financial stated that if I didn't get additional coverage within 45 days they have a plan in place to charge me {$750.00} per year for the additional coverage. Please look at this business practice of over requirement on flood insurance. Thank you XXXX
|
| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
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Web |
|
|
I have repeatly asked for the payoff for the indivdual properties under the loan number # XXXX. I have requested these documents 6 times officailly. They state on their website that the request is filled within 3 to 5 business days.
Due to this statement I wait until monday of any week to receive the documents the same week as requested which has never taken placed.
During the request I ask for the pay off usually 15 days in the future assuning I would receive the documents in time to be useful.
They have never been delieved less than 9 days which makes them active only a few days at best. I have since requested the documents the end of the month trying to make the request at the start of the month.
The request not being fulfilled promptly have cased to sale of properties to be rescheduled costing additional monies to pay to escrow. Currently I have requested the payoff for XXXX XXXX XXXX XXXX, IL XXXX with a close date of XX/XX/XXXX. I made this request on XX/XX/XXXX and to date have not received the documents and have the possibility of the buyer cancelling the contract to purchase the property.
I included the document they sent today which is not what I requested!
|
| 05/05/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was offered a loan modification program through my mortgage company. I was contacted once I was behind on a payment. To make a long story short for nine months I was contacted to make payments on this loan and was told that any foreclosure information I had gotten was taken care of, and I should not worry as the loan was in good standing with The company. I have much documentation to provide. I just not sure it is able to be sent in this format, so please feel free to contact me if youd like the information that I have for nine months they made me get prepaid cards from XXXX to pay them. I know it sounds ridiculous and I shouldve known better, but they had What seem to be legitimate emails and would send me emails with my mortgage company/banks logo and at one time when I question them on the phone they told me if I didnt want to help them they were in no way responsible for helping me repay my loan. I was able to make up my loan payment within three months but they kept having reasons why it wasnt going through and now that my redemption period is going to be up on XX/XX/XXXX. I am not able to contact anybody that previously was talking to me about my loan modification.
|
| 10/20/2023 |
Yes |
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
Servicemember |
|
My lender lied through my application and beyond closing. He now I see lied and said he did my application gave to face when I never met him till closing day. Then he lies and tells me Im getting in on a great opportunity because HUD has a new no money down no closing cost and Id be the first person to get in on it. He said the second mortgage would be forgiven by hud and only XXXX then forgiven. I told him XXXX was too much for me to afford and then comes back and tells me its down to XXXX. I was told I would receive a loan payment at closing which I didnt. The lender lied and said I told him I was XXXX when I was face to face with him and I never told him this. I go after closing get the first statement and its XXXX I go to XXXX and ask him what this was and he says I forgot to tell you before closing I couldnt get you down. I also told them my name was wrong and I was told it didnt matter. So I also asked for the XXXX - original Note And was told I cant have any of that or ledgers for my transaction. I was told that I would be foreclosed on because I was inquiring. I was not given full disclosure and mortgage unjust was committed by the lender from start to finish.
|
| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage is serviced by BSI Financial Services. I have no missed or late payments in the history of my loan. In XXXX, XXXX, my debt to equity fell below 80 %, and I requested PMI to removed. My request was denied. I submitted a second request in XXXX, XXXX, and I was told that it was also denied although my debt to equity was below 80 %.
I have contacted BSI several times, and the associates tell me that they are confused why the PMI department denies my request because my debt to equity ratio is below 80 %. The original appraised value was {$250000.00} and my current principle balance is {$200000.00}. Reasons I have been told by BSI associates that my requests have been denied are : * Debt to equity computation is determined on " sale price '' not appraised value *I would not be able to request removal of XXXX based on my closing documentation. ( Note : this is not true. In my closing documentation, it states that based on the 'initial amortization schedule ' I would be able to request removal in XXXX. However, I have been make additional principal payments and I was eligible to remove it XXXX, XXXX. ) *The home appraisal needs to be less than two years old.
|
| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The central issue is that our mortgage servicer, BSI Financial, failed to apply a {$2800.00} payment to our escrow account last year, resulting in a current shortage that will cost us roughly $ XXXX on our mortgage payment to replenish. Multiple attempts to resolve with the servicer have been unsuccessful.
The attached XX/XX/21 statement contains the relevant details.
On XX/XX/21, BSI mistakenly emptied many customers escrow accounts, sending us a check for {$2800.00}. It was a bad check that never posted and we were charged a fee by our bank. They continued to issue refunds in the amounts of {$670.00} and {$1900.00}, which we were instructed to deposit and then replace via an escrow only payment online. You can see my {$2800.00} payment on XX/XX/21, which shows as unapplied in the far right column, and then says it was refunded to me on XX/XX/21. I never received this refund, and the amount remains unapplied to our escrow, creating a $ XXXX shortage for the year, dramatically increasing our monthly payment.
The company insists there is no error, and a new escrow analysis is not required. They have lost {$2800.00} of mine, and are now asking me to repay it.
|
| 02/04/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am the owner and landlord of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I currently have tenants in the property. Due to Corona Virus, they are not paying the rent. I have been unable to afford to pay the private mortgage on the property. I was recently unemployed due to Corona Virus. I have found another job. I now have the ability to pay the mortgage, however BSI Mortgage Company is unwilling to provide a forbearance or bring my loan up to date. The tenants were impacted by Corona Virus and not paying the rent. I could not afford to pay the mortgage due to this hardship. The tenants tried unsuccessfully to get a mortgage.
I would like to bring the loan current and continue to make payments. The Corona Virus epidemic is hitting the entire country hard. In this case, both the tenants and myself ( the owner ) have been greatly impacted by this epidemic.
The mortgage company is BSI Mortgage Co. Their contact information is XXXX. BSI has been unwilling to fully understand the full gravity of the situation. They've been patient but have now put me in foreclosure. I do not want to lose this house. Please Help! I thank you for your efforts and consideration.
|
| 06/25/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XX/XX/2020 i started a refinance on my primary home. BSI holds a mortgage to an additional home that i own jointly with my mother. They refuse to release any verification of mortgage. I signed the release with my lender on my primary home which was sent to them, then i signed an additional release for BSI. My mother has also signed a release with BSI. I have called and left messages that don't get returned, and over the course of 3 weeks i have spoke to 5 different customer service reps who have different answers as to why they won't release verification of mortgage to my current lender. Most recently i was told that my mother filed bankruptcy, and the house was not included in that filing, and due to that they don't have to release verification of mortgage.
Payments are made monthly to BSI financial. I
receive no confirmation, no receipt, no monthly statements. Im not sure that the payments are being applied to the mortgage, and the customer service associates can't sent me anything to show payments received or applied.
I have been denied my verification of mortgage for 7 weeks now and it is causing a significant amount of problems in me refinancing my home.
|
| 06/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2022, I contacted BSI Financial to have my PMI removed because my principal balance reached below the 80 % of the original value of my home. They said that they only had the loan amount of {$310000.00} from the title company and that is the amount that they go off of to remove PMI instead of the sale price of the house. I informed them that was incorrect and on XX/XX/XXXX XXXX sent them the documents I had from the title company showing the sale price of the house which was {$360000.00}. So 80 % of that would be {$280000.00} and when I sent that email, my loan was at {$280000.00}. I contacted them a few days later and they informed me that my written request had been denied and that their policy is that they go off of the loan amount. As of today, the principal amount on my loan is {$280000.00}, which is approximately 78 %. I spoke to XXXX different customer service representatives and one understood how it was supposed to be calculated but it still got denied. The other 2 told me that I need to bring the principal balance down to 80 % of {$310000.00} which doesn't make sense. I have a good payment history and have never been late or missed a payment.
|
| 01/11/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
My HELOC loan was transferred on XX/XX/XXXX to a new servicer BSI Financial Services from XXXX XXXX XXXX.
XXXX XXXX XXXX sent loan statement closing balance of {$60.00}, XXXX on XX/XX/XXXX for the {$150.00}, XXXX HELOC at 3 % adjustible interest rate.
Minimum payment for XXXX PRIN and INTEREST {$700.00} plus ESCROW PAYMENT {$190.00} or {$900.00} was my TOTAL mortgage payment for the month of XX/XX/XXXX or my REGULAR PAYMENT approx {$900.00} from XXXX XXXX XXXX as my previous Loan Servicing.
Never got return call nor email from XXXX Loan Manager who handle my account XXXX XXXX when i requested correction on my FIRST BILL or TEMPORARY PAYMENT COUPON Amt of Regular Payment {$25.00}, XXXX YES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DOLLARS and XXXX cents Loan # XXXX BSI Financial Services when transferred on XX/XX/XXXX from XXXX XXXX XXXX.
The customer service gave my account manager XXXX XXXX phone XXXX XXXX XXXX ext XXXX its almost 2 weeks XXXX XXXX never send another co bill with CORRECT AMOUNT for my Regular Monthly Payment.
Is this BSI STRATEGY to lure consumers for LATE PAYMENTS or FORECLOSURE by IMPROPER HANDLING and INCORRECT BILLING on Loan Transfers?
|
| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My house commercial mortgage with loan XXXX XXXX XXXX started on XX/XX/XXXX.
Original payment was {$3400.00}.
XXXX home taxes were {$17000.00}.
In XXXX home taxes went down to {$5200.00}.
On XX/XX/XXXX mortgage payment increased to {$460000.00}.
After I asked for audit of my loan payment. In XXXX mortgage payments were recalculated and on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$16000.00}.
On XX/XX/XXXX the new mortgage payment of {$3800.00} started.
I asked for another auditing, on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$11000.00}.
Because taxes were {$11000.00} lower comparing to the time of mortgage origination, I asked to reduce monthly payment to {$2400.00}.
For 5 months mortgage organization accepted new mortgage payments in amount of {$2400.00}. After that they claimed that I missed mortgage payments for 3 months and started foreclosure process.
I called mortgage organization with requests of auditing monthly payments, hired an attorney, but nothing helped.
Id like to audit this mortgage organization, stop foreclosure and pay off entire mortgage amount.
Please advise.
|
| 07/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I made a large payment to my loan ( {$8100.00} ), but not the entire loan in preparation of paying it off. BSI received my payment on XX/XX/22, sat on it for a week and then cashed it on XX/XX/22. With every other payment that I make through the same XXXX channel, they take my payment and apply any overpayment towards principal. I called BSI multiple times and seemed to get a different story each time I called. One person would tell me it should be applied in a couple of days, then someone would tell me to wait longer, then someone would say it is delayed because it was a large payment, then I was told it they were sending it back because I paid too much. I asked for a supervisor and was told someone would call me back. Nobody called. The next time I escalated, I was passed to a voicemail. Again, nobody returned my call. Meanwhile, I am paying interest on the loan and they are earning interest on my payment This is highly unethical given the run around and refusal to apply the payment towards my principal. I simply want all additional interest accrued from XX/XX/22 until this loan is resolved to be credited back to me. Anything less is highly unethical.
|
| 01/19/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I was on CARES forbearance for 4 months, in XXXX I resumed making payments while BSI was working on loan modification documents. I asked if there are other options available for me and I was given only two : loan modification or lump sum of the missed payments because that's what I " qualified '' for although CFPB says if I have a federally-backed loan ( mine is VA ), my servicer can't make me pay in lump sum. I waited for the loan modification documents to come because the BSI representative I spoke to said there might be a " small '' interest rate hike. When I received the loan modification documents last week it was 3.5 %! my current rate is 2.75 % and no, 3.5 % is not " small '' and definitely not amenable. My VA loan technician and I have been trying to reach to BSI for over a week to discuss about my other options and to correct its inaccurate credit report that I'm behind my payments however we haven't heard from them. Today, I received a new online statement for {$14000.00} due in XXXX. I'm guessing this is an ultimatum from BSI because I haven't signed and returned the loan modification documents so next thing I have to do is lump sum payment?
|
| 07/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In 2022 BSI Financial purchased my mortgage from XXXX XXXX to service my exisiting mortgage payments.
I have never missed a payment and am set up from my XXXX XXXX account to auto pay them on the first of the month.
At some point I started getting a letter from BSI that I was not making my payment when it was clearly leaving my bank and posting on the BSI login page to my account.
They charged me {$25.00} for 6 months stating I had the wrong loan number.
I called them each time I recived the letter and the person on the other line said they recieved my paymnet and not to worry about it.
The next month I would recieve the same letter and make the same call to get the same reaction.
I then spoke with a supervisor and she agreed that they should be there but said she could only waive one {$25.00} fee in which she did I then recently recieved a call from a friend of mine and she explained to me the same senerio that the keep trying to charge her a fee every month.
This company does not respond and continues to steal peoples money.
Please let me know if I can do anything about this XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX BSI Financial Loan # XXXX
|
| 04/27/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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Our current mortgage is through BSI financial. We were in the process of a loan modification and have attempted to contact our contact for nearly a year without any response.
We finally received documents to sign for the modification and noticed an error. We attempted to contact our contact at BSI but we could never get a return phone call. After many attempts we were able to speak to someone who advised us to sign the paperwork and the underwriter or the agent involved would let us know if it affects the process in any way.
We signed the paperwork and the loan modification did not go through. In good faith we continued to pay the agreed upon loan amount for months. On two separate occasions we were sent to collections by BSI. The first time they fixed it but they have yet to fix it again and list us as delinquent on our payments.
We just received new documents to sign for the loan modification and have asked for a break down of some amounts that are listed there that we owe and are going to be attached to the loan. To date no one will get back to us and no one that answers is able to explain what those amounts are and how they were calculated.
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| 07/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I have BSI Financial Service for two Mortgage Loans. 1st mortgage ( XXXX ) and a 2nd Mortgage ( XXXX ) ...
In XXXX, thru the investor on the account, we did a Restated Promissory note on the 2nd Mortgage ( XXXX ) and agreed to pay XXXX. The purpose was to bring the account, which it now is and to help get my credit cleaned up so I can refinance my loans.
On XXXX BSI misapplied the XXXX to the 1st mortgage ( XXXX ). I have called this company over 20 times, working to make them understand that this XXXX was the first payment for the promissory note and I need it to be applied to the 2nd mortgage ( XXXX ).
Over and over I have called them. Everyone I speak to says this and that. Everyone I speak to is like " oh my goodness '' we need to fix this ... Does it happen. No. No and NO.
My " personal contact '' was XXXX XXXX. Who couldn't call me back if my life depended on it. So I have called to the investor and his staff to reach out to BSI to please Apply the XXXX received XXXX to Loan # XXXX and remove the XXXX late charge. Which They have done and were promised it would be handled.
What does it take for a company to clean up their mistakes.
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| 07/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We have been trying to obtain the correct payoff letter from BSI financial since XXXX. We have called several times and we have even spoken with the department that issues this letter, and the insurance department too, and they told us that there was a mistake and that they would fix it in a couple of days, that was three weeks ago and we still have not received the payoff letter.
The escrow balance must be reviewed because it is incorrect it shows two discounts ( {$1900.00} XXXX & {$3.00} - XX/XX/XXXX ), for this year we already paid the housing policy in full and we sent you the documents twice. The last time we spoke to customer service was XX/XX/XXXX, we emailed the policy documents and we received a confirmation email. We did it again today XX/XX/XXXX.
" Thank you for submitting your insurance documentation. Please note this is an unanswered email address. Please allow up to 5 business days for processing ... '' We are so tired of dealing with BSI, they have serious organizational problems that are affecting us financially and It is impacting our mental health.
We are entitled to receive this letter with the correct amount this week.
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| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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First payment was due XX/XX/2020. Per our previous lender XXXX XXXX who sold the loan ) we were to make that first payment through them, and we did ; they cashed our check XX/XX/2020 and advised they forwarded the payment to the new lender - BSI Financial - onXXXX. As of today, XX/XX/2020, XXXX claims they have not received the payment from XXXX. Today ( XX/XX/2020 ), after two previous attempts via phone in the past week, I was actually able to speak to someone at BSI and they kept repeating our account is past due, past the grace period, and they do not have the payment from XXXX.
Additionally, we received notice from XXXX ( our previous lender ) on XX/XX/2020 that our loan had transferred to BSI. On XX/XX/2020 we received confirmation from BSI. A little over a month later, our account information is still missing Payee information for our Property Taxes and Homeowners Insurance. Also, the minimum amount due does not reflect the required amount to be paid into escrow monthly. Upon noticing these errors right away in mid-XXXX, I attempted to contact BSI via their websites " email us '' option, and received no response.
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| 09/17/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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I have a VA loan that was recently transferred to BSI Financial for servicing. I have requested several times for BSI to remove my escrow payments as they are significantly inflated. BSI has responded that " va loans are required to hold escrow accounts ' which is verifiably false. I have held VA loans for over 10 years of my life and I am a XXXX XXXX, so I have ample experience as both a professional and a veteran. I know that VA loans do not require to hold escrows. I have also provided my estimated tax statement showing they are significantly over collecting. BSI Financial refuses to return phone calls, refuses to respond to emails, and does not correspond in their in house email system. I have called 4 times, sent emails since XX/XX/23, and gone through all steps they have requested I do in order to have my escrows removed or changed to reflect my current tax statement. BSI is collecting approximately {$13000.00} more than what is required for my tax bill for the 2023 year and they will not cooperate with reducing my escrows or removing them completely and allowing me to pay them as I have requested several times.
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| 11/17/2021 |
Yes |
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- Trouble during payment process
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Web |
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My loan was restructured over a month ago ( I was on/in the middle of a covid forbearance plan when they bought my loan from round point it took them 2 or 3 months too get to me on the restructuring ) my account still isn't updated I have different people telling me different payment amounts I had made at least 3 payments of at least XXXX ( XXXX ) before the restructure she told me it would be applied after the restructure which should have been done in early XXXX she said the amount I have from these payments is only XXXX where did the rest of the money go? I have been trying to get ahold of my " point of contact '' for awhile with no luck doesn't return calls or answer emails same with her boss I spent over 2 hrs on hold the other day trying to get threw to anyone to see what's going on with my mortgage and how much I need to pay it has been a nightmare since they got my mortgage now I'm afraid my mortgage is going to be late because I can't talk to anyone and I'm not sure where the rest of my payments went I have read reviews and nothing good I can see you guys already had a lawsuit with them for something similar
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| 11/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1 ) BSI Financial, the loan servicer, has made an accounting error in my impound account with regard to property taxes paid. Their records show XXXX payments and XXXX credit back to the account, for a net total of XXXX tax payments of {$2500.00} each. This is incorrect, since there should only be XXXX tax payments of {$2500.00} each. Thus, BSI needs to credit my impound account for the {$2500.00} error.
2 ) In addition, as a result of their error, they have increased my impound account payment by ~ {$230.00} per month in order to compensate for the mistaken " shortfall ''. This additional amount is not necessary, and puts pressure on my personal finances unnecessarily.
3 ) BSI has a history of delinquent payments on my property taxes. The problem seems to stem from them targeting the " delinquent after '' date rather than the " due date '' as the date to submit the property tax payment- effectively guaranteeing that it will be delinquent every time ( impacting my credit and my ability to take out any equity loans ). I have to contact them routinely in order to try to ensure that the tax payment is not delinquent.
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| 06/23/2023 |
Yes |
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- Trouble during payment process
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Web |
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I have attempted to pay off my escrow shortage for 8 months. On XX/XX/2023 my conversation with the representative advised me of the balance of the escrow shortage of $ XXXX, which was paid off and a new mortgage payment was recalculated. I adjusted my new auto pay to reflect this amount plus an additional amount t be applied to my principal. After paying off the shortage and adjusting my payment tit reflect the new amount the representative gave me, I have recevied several emails stating they did not apply my payment due to a shortage in my payment. Since then, I have called the mortgage company 7 times because they never adjusted my payment, did not apply my payments appropriately and have not corrected the escrow shortage that was paid off. I have left 4 messages with the head of the department to clear this up and I have not received one phone call back. I just sent a certified letter to the financial institution on XX/XX/2023 asking them to resolve this and to contact me. This has been extremely frustrating and I am a successful realtor that deals with lenders everyday. I am at my Witts end with BSI Financial.
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| 02/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We are refinancing this mortgage with another company simply because it has been untenable trying to deal with loan servicing company, BSI Financial. The new lender has made multiple request for a Verification of Loan letter from them and thus far they have refused. The new lender has stated we are all set and the only thing left is this letter which BSI Financial is refusing to fax to them. We asked that it be expedited as they have been asking for it for 30 days and BSI Financial won't give us an answer on when they'll send it.
They first tried to stall by saying the person getting the new loan was in my spouses ' name. The name the new mortgage is in has no bearing on the old mortgage and is just a delay tactic for them to get one more mortgage payment out of us.
I request they send the fax immediately.
SECOND PROBLEM : Our insurance covers multiple properties under 1 policy. It took us a month for them to verify. Now we have discovered they paid the entire policy amount instead of the just the portion for this home. Of course, our escrow balance is way out of wack now. This needs to be corrected as well.
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| 03/26/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Affidavit of truth with a conditional acceptance was send to ask to prove the debt by producing the contract between the third parties BSI FINANCIAL SERVICES and XXXX XXXX and no commercial affidavit was sent back for rebuttal. The companies have admitted to not being the lender, never giving credit or being a party to the Promissory note, or having a Security deed with Bilateral signatures to agreed to any debt. They have now threated to create a deed under power and all power of attorneys have been revoked, and no real assignment of mortgage has occurred. No gold or silver was given to be able to foreclose and identity theft has happened as I have no contract with either company to owe any debt.
As a third party has no right to collect a debt without proof of the debt. The Original Promissory note which does not contain the names of the companies trying to foreclose has been deposited, cashed and then traded as a book-entry security pooled and then sold as a package to investors. They do not have the original note with wet ink signature and no valid claim of debt without a bilateral or any oral contract.
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| 07/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a response to complaints XXXX XXXX XXXX in which we felt that we were given an incorrect payoff amount and charged grossly injust late fees and extension fees. In addition, there were seveal unapplied payments that have not yet been reimbursed.
There was also an issue with the escrow account in which BSI recorded that they paid the outstanding taxes out of escrow in the amount of {$12000.00}, but we have provided proof that they only paid {$10000.00} to the tax authorities. The difference owed to us is {$2600.00}.
They did state in their last response that they did miss the unapplied payments, and I am assuming they are going to refund those payments for {$6800.00}. We are asking for confirmation on that refund and an expected time of delivery.
We are also asking for the unpaid taxes to be refunded to us in the amount of XXXX.
That will be a total refund of {$9500.00}.
We still feel that the unjust and deceptive late fees still need to be reviewed, but this complaint if focusing on the unapplied payments and the under paid taxes.
Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I advised BSI Financial Services, XXXX XXXX XXXX, XXXX, PA XXXX to immediately cancel my Automatic Payment Plan ( ACH ) after I received a letter dated XX/XX/2020, for the following reasons : 1. BSI 's Website does not allow customers to change their payment date, 2. BSI 's ACH does not allow me to pay electronically from my bank directly to BSI, 3. BSI 's Website did not disclose all possible fees in advance, 4. Despite repeated attempts to contact BSI 's Customer Service, including 40 minutes on hold attempting to get an explanation of these issues, finally the recording said I would receive a call back, but after 10 days, I received no call back, I have determined dealing with BSI 's ACH is just not worth it.
I am filing this complaint to share my anger at receiving this level of customer service, my home loan was sold to BSI without any input from me. I have a very high credit rating and would think that signing up for auto pay is something BSI would welcome and make it easy for all parties, not send threats of penalties and strict rules and not even answering their phone.
Respectfully, XXXX XXXX
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| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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My insurance company paid out a claim for damage to my home earlier this year, but due to the payout amount, {$43000.00}, the check needed to be held by my Mortgage Lender, BSI Financial Services. The main issue is with their 'Loss Draft ' Department which evidently handles payments from the insurance company and responsible for issuing the funds from the insurance company for repairs. I've followed the required process and submitted all required documentation with regard to our Contractor, this was submitted via the " Loss Draft Portal '' near the end of XXXX and again at the beginning of XXXX, due to a technical difficulty with their system. After a month and a half and as of today, BSI has failed to issue any funds in which to pay my contractor for work performed so far. I've called multiple times over the past 2 months to inquire about the payment delay, and even spoken with supervisors, but have yet to receive any meaningful answer or solution to the issue. We need our funds issued IMMEDIATELY so we can pay our contractor and need to your help. Is there something you can do to expidie the process?
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| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/2021, I received a notice from XXXX XXXX XXXX, MN that not all of my RE property taxes were paid. I called BSI Financial and notified them that our property has 4 separate property identification numbers. I also notified them that 3 of the 4 RE taxes were not paid. I gave them the parcel numbers and was informed that I would not be assessed any penalty for this error. In XX/XX/2021 I received another notice from XXXX XXXX XXXX, MN indicating that the RE taxes for 3 parcels were still delinquent. I called BSI Financial indicating once again that they did not pay all of the RE taxes on my property and sent them information to their customer care email address. On XX/XX/2021, I called XXXX XXXX XXXX and was informed that 2 parcels still have outstanding RE taxes.
I have 4 property ID 's : XXXX -- unpaid RE taxes of {$1200.00}, due before XX/XX/2021 XXXX -- unpaid RE taxes of {$2.00}, due before XX/XX/2021 XXXX -- RE taxes are paid XXXX -- RE taxes paid ( I paid these in XX/XX/2021 ) I have called BSI and have left two very detailed voicemail messages for XXXX XXXX, XXXX x XXXX with no response.
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| 10/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My wife and I had a mortgage loan with XXXX XXXX ( XXXX ), that was transferred to BSI Financial ( BSI ) for loan servicing in XX/XX/XXXX. Our home was destroyed during the XXXX XXXX on XX/XX/XXXX. In XXXX and XXXX, we received insurance proceeds from our insurance carrier to rebuild, and sent the funds to XXXX. XXXX paid for some of the repairs, but then sent the funds held in escrow for the remaining repairs to BSI once it became servicer. On XX/XX/XXXX, I requested that BSI pay our contractor, and have sent BSI all of the forms they required and all of the bills from our contractor, but BSI will still not send us a disbursement so the contractor can be paid. We are afraid that our contractor will walk off the project if he doesn't get paid. BSI keeps giving us the run around, such as claiming it needs documents I sent to it months ago, and ordering inspections, then cancelling them. BSI is also holding more funds than our loan balance, and will not send us the overage amount. BSI also failed to fully pay for the insurance on the home, causing the insurance company to send us a cancellation notice.
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| 02/16/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I requested through BSI mortgage online portal a Covid foreberance. I have called multiple times and I have received nothing. I call customer service and ask and they keep telling me paperwork is in the mail. It's been about 1.5 months. I am current on my mortgage and never been late but I am struggling financially and this is a hardship. My last call was today to follow up and the representative named XXXX started asking me why I applied for Covid forbearance and I told her I was laid off work, she wanted to know Why or how this was Covid related. I honestly was offended and she was raising her voice to me and I asked her why she was upset. My family was affected by XXXX. She kept insisting on for me to provide her a valid reason. I don't understand if she wanted proof. I had already filled out the application online and explained my reasoning for the request. She still kept insisting she needed more reason.Please assist me. I am current but if I don't get a job soon I will get behind and I don't want to lose my home. XXXX XXXX XXXX XXXX XXXX Covid has affected the entire world, including jobs.
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| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI, at our request, closed the escrow component of our mortgage payment and we agreed to pay our taxes and insurance separately, sending to BSI a monthly payment of {$2100.00} ( principal and interest only ). BSI confirmed this in writing twice, on XXXX XX/XX/2022 and XXXX XX/XX/2022. Notwithstanding this, BSI paid property taxes of {$3300.00} to XXXX XXXX XXXX on our behalf, and without our knowledge, on XXXX XX/XX/2022. XXXX then demanded an increase to our monthly payment of {$270.00} effective XXXX XX/XX/2022 ( see notice dated XXXX XX/XX/2022 from XXXX to us. ) However, the XXXX XXXX XXXX XXXX refunded {$3300.00} to BSI on XXXX XX/XX/2022, meaning there was, and is, no reason for the {$270.00} increase to our mortgage payment. Put differently, BSI is now double dipping, having received a refund from XXXX XXXX for the property taxes it paid, while continuing to get {$270.00} from us each month. BSI was made whole on XXXX XX/XX/2022 and is now seeking to enrich itself by way of an increased monthly payment from us, the accumulated amount of which must be refunded to us by BSI immediately.
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| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan for XXXX XXXX XXXX XXXX XXXX, CO XXXX was transferred from XXXX XXXX XXXX to BSI Financial Services in XXXX of this year ( XXXX or XXXX ). Prior to the loan being transferred I paid {$57.00} in PMI via the escrow account. Also prior to the loan being transferred, I had submitted in writing to have the PMI removed as the loan to value ( original value ) was below 80 % which was accepted.
In XXXX I received an escrow summary from BSI with a breakdown of the escrow payments. I immediately noticed that 1 ) PMI was still being charged and 2 ) the PMI per month had increased XXXX to {$230.00} per month.
Upon noticing this I called BSI on XX/XX/XXXX. I was told the issue was sent to their escrow team and I would hear from them within 3-5 days. I never heard back and sent them a message on XX/XX/XXXX or XXXX. On XX/XX/XXXX I received a message from them that " We have submitted your request to the PMI department. Review may take up to 30 days and final determination will be sent to the mailing address on file. '' I have not heard anything back from them via phone, email or paper mail.
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| 01/07/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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BSI Financial Services ( BSI ) claim to be a Mortgage Loan Serving company. They state my property mortgage payments had not been paid since XX/XX/2019. They refused several attempts to accept submitted BSI firms Payment History, BSI Mortgage Monthly Statement and my Banks copies of validation checks clearly proofed all payments were made. BSI returned XXXX mortgage payment with a notice which stated my home loan is in foreclosure status. This is a lie & SCAM. They also refused to accept XXXX payment. I sent XXXX mortgage payment by Teller check in the amount of {$780.00}, pending BSIs declining payment action. They are attempting to force my home to be in default statue for 90 days for non-payment. They have severely damage my credit FICO score by reported a derogatory entire of unpaid debt before they review my qualified written request of disputed debts. Their offensive negative entries cause misrepresentation in relation to a mortgage loan which is then relied upon by a lender. BSIs action cause a significant drops of 30 points in my credit profile which influences a banks decision.
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| 03/25/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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I mistakenly thought that I had another 6mos extension ( so I was told ). When I contacted the mortgage company, I was told that I was contacted via mail about the pending deadline. Dont remember seeing it come in the mail.
My complaint is the company is making it very very difficult to work with. I was told that my forbearance was only 6 mos ( the mistake mentioned earlier ) and now I am being reported to credit reporting agencies. I was told that there was nothing that could be done about that. They would not let me pay online. The only way to pay is mail a check or call. I opted to call. I chose the call back option. I called between XXXX pm. My return call came at XXXX oclock PM! I missed it of course. Second call I chose call back, this time it was XXXX hrs!!! I then sent check through my banks bill pay. I sent it on the XXXX and the check bounced on the XXXX. I didnt check my account. I just assumed it had already passed. That is my fault totally.
My main concern is Im afraid that the next time I hear from them, it will be the foreclosures department. Please advise Im helpless.
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| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American |
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I was being charged almost double i of my monthly payment I reached to them by phone to resolve the problem so many times and was not fixed in the meanwhile I was told by a rep of the company not to pay tha whole amount but my regular payment a week apart from the date I contacted them and I told the lady that doing so i was going to be late with my payment and she said that it was no problem and she would fix that, the day of the payment came and I paid my regular payment and the issue was not being resolved by the issue about the extra money they were charging me was resolved they had put me in the 30 days past due and reported me to the 3 credit bureaus and I have being calling he rep who told me that with no success and also calling another members of customer service with no answer to my problem, I need that 30 day late payment to be removed from my credit report since it was not my mistake nor my fault of the moneys that they were charging me, please intervene in this problem that I have with this company and it is affecting my credit
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| 05/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My mortgage servicer is Servis One, Inc ( dba BSI Financial Services ) and I am trying to contact them to remove my private mortgage insurance ( PMI ).
The below email was sent on XX/XX/2023 through the BSI Financial Services website. I have not received a response.
> Hi, > > The value of my home is currently estimated at $ XXXX, XXXX. Given my outstanding principle of $ XXXX, XXXX, my equity now covers 31 % of the loan value. Can my PMI be removed?
XXXX XXXX Thanks, > I followed up by sending a letter via certified mail with additional detail about my home 's current value and my intent to remove my PMI. This letter was certified as received on XX/XX/2023. As of today ( XX/XX/2023 ), BSI Financial Services has yet to contact me with acknowledgement of my request. BSI Financial Services doesn't provide any other options for contacting them -- the phone number for their " Customer Care Phone '' is only capable of providing a small number of automated responses.
In total, BSI Financial Services has failed to provide acknowledgement of any form for over 60 days.
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| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My wife and i purchased an income property in XX/XX/XXXX. Bsi is the lender. At the end of XXXX i received notice that there was a shortage in my escrow and that my mortgage payment will increase from {$970.00} to {$1500.00}. I reached out to the mortgage company. They explained that the shortage was due to me not having the property insured and that they had to get insurance on my behalf. This caught me off guard because I was unaware that my insurance company dropped me. Even more important, I never received any written notification of any forced placed insurance being placed on the property prior to the mortgage company acting. In fact the insurance company didn't notify me either. The insurance policy was cancelled in XXXX of XXXX. I found out XXXX of XXXX. The policy has been reinstated and the mortgage co has been sent proof of the new insurance. I have tried to reason with the mortgage company to reassess my inflated mortgage payment but, they are uncooperative. The mortgage company did not send an intent to contract a forced placed insurance prior to doing it.
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| 12/07/2022 |
Yes |
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- Trouble during payment process
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Web |
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BSI Financial ( servicer for XXXXXXXX XXXX ) finished the review of my escrow account on XX/XX/XXXX. Their review indicated that I had an overage of {$2000.00}. When I login to my online account, they have added a line in my transaction history stating that they have refunded this amount to me, however, this is inaccurate. I grew concerned that I had not received a check in XXXX and called the company. I called them on XX/XX/XXXX and they stated that the amount needed to be reviewed for 30 days, then I would be issued a check. I called again on XX/XX/XXXX and they stated the 30 day review would be complete on XX/XX/XXXX and I would receive a check. It is XX/XX/XXXX and I have not received a check. I called this morning and the customer service representative stated that the check has not even been cut yet and that " he will call me back once he investigates. '' The FDIC states that mortgage companies have 30 days after escrow analysis to refund any surplus, which BSI Financial is in clear violation of. If this continues I plan to seek legal representation and action.
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| 11/18/2022 |
Yes |
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- Trouble during payment process
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Web |
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BSI, you are now in violation of my consumer rights, BSI has failed to update my mortgage payment in a prompt manner. You are in direct violation of the Consumer Financial Protection Bureau. BSI continues to call me and harass me about a late payment for XXXX when in fact BSI has taken my payment in the amount of {$6200.00} on XX/XX/2022. BSI has received paperwork and proof of payment via e-mail and phone on On Wednesday, XX/XX/2022 at XXXXXXXX XXXX EST and error is still has not been corrected. Today I have received notice of a late payment charge for XXXX payment which is not correct. I demand that you correct my account immediately. A full complaint has been made to the Consumer Financial Protection Bureau explaining these facts and your companys failure to follow federal guidelines.
Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX Please make sure I am going to stop receiving calls for payments already collected.
Please appropriate the funds to my Account Number : XXXX immediately and immediately update your website and records.
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| 11/22/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again.
BSI FINANCIAL SERVICES XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXX customer service representative.
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.
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| 11/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage was sold to BSI Financial over one year ago. We have never had any issues with our previous mortgage company, but now all we have is trouble. BSI asked for proof of homeowners insurance and we provided it. We provided it 3 times! and had two " 3 way calls '' with BSI 's third party insurance company.
In the meantime, they " sold '' us their insurance and charged us. We would send in our mortgage payment and they would XXXX it to an escrow account, showing our mortgage as late. We tried calling them dozens of times, and got incompetent customer service people and now we are at the end of our rope.
As I write this, we are on hold on a Friday evening, waiting for one of their representatives to pick up. We got no answers ... ..only confusion when trying to resolve this issue. I would like to remortgage, but they put us as delinquent on our loan. We have no financial issues, we can easily pay our mortgage, but due to this downgrade we are at the mercy of this company.
This needs to be resolved as we believe there may a violation of mortgage law.
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| 09/29/2022 |
Yes |
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- Trouble during payment process
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Web |
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As of XX/XX/2022 I receive notification from the XXXX program from my state that I was preliminarily approved for mortgage assistance. A portion of the email specifically states : Please note, however, that we can not issue final approval until your application has been verified by your mortgage company. Once approved, your servicer will receive the payment from SC XXXX on your behalf.
Your mortgage servicer has been alerted to the next steps that they will need to take for us to send them payment for your account.
I promptly notified the mortgage servicer and was told by my single point of contact XXXX XXXX that a certain department has not received any indication that I was approved for assistance. Each time I inquire about it I feel like I am getting the runaround. I offered to provide the phone number to the XXXX program, as provided in the email but that information seems to be avoided. I do not understand why it is so difficult for my mortgage application to be verified so that way the program could process the payment towards my delinquent amount.
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| 02/03/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was under a forebarence with my mortgage company, XXXX XXXX XXXX, through XX/XX/XXXX. At the end of XXXX, my mortgage was sold to another company called BSI Financial Services. I called the BSI Financial Services to find out how it would affect my forebarence and wanted to know what my options were. I was told my XXXX XXXX XXXX XXXX would call me. I explained I was getting delinquent notices. The customer service lady said they were automatically generated and that my file was under review for up to XXXX days but she would have my XXXX XXXX XXXX XXXX call me to explain. I waited XXXX weeks with no call so I called again. I was told my XXXX XXXX XXXX XXXX had been out for medical reasons and the customer service lady would email my XXXX XXXX XXXX XXXX XXXX supervisor and ask her to call me. A week later, still no call. But I keep getting delinquent notices. I'm getting nowhere fast and I'm worried about the delinquencies going on my credit and the bank foreclosing on my mortgage with absolutely NO contact from BSI Financial Services. Please help me.
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| 07/13/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Morning, I have been in my home for XXXX XXXX now. I set up my payments to come out of my check every XXXX weeks with the first mortgage company, and BSI Financial purchased the loan. No issues for the first year, then the payment for the escrow went up, fine but my payments still came out of my check every two weeks and I would send any additional monies in a check. BSI is reporting that my mortgage is late on my credit report but is not charging me late fees, and on months that they receive an additional check from me I requested that they put it toward the escrow first and any remaining amount toward the principal and I still send a check. Every month I receive a phone from BSI saying I owe them additional money and I have to call my Credit Union and give them the transfer code. In the meantime, they are have ruin my credit which I was trying to rebuild after XXXX years of being out of work. I have served my Country and I'm trying to do the right thing. I'm doing the same thing and going above and beyond to meet my obligation to still get shafted.
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| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX BSI Financial purchase my loan from XXXX XXXX for servicing the home loan ; On XX/XX/XXXX while preparing my financial plans, I was notify by another financial institution that my homeowners insurance with XXXX XXXX had lapse and my account was closed due to none payment from my Mortage servicer BSI Financial, XXXX inform me that they have not receive any payment this year ; Upon learning this new found information immediately contact BSI via telephone, Voice messages, and Email no response; knowing this information I went on online to the XXXX XXXX XXXX Tax Collector, my.property taxes has not been service, paid, either by BSI ; I try to reach out again to BSI they are not answering there phone or responding to my inquiries. BSI Financial Service is in violation of the Consumer Financial Protection Act of 2010, the Real Estate Settlement Procedures Act, or the Truth in Lending Act by : Inadequately overseeing service providers resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums.
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| 04/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Closing date XX/XX/2020 Mgt. payment including PMI {$1100.00} {$1000.00} P & I {$100.00} PMI {$180.00} Escrow BSI has been sending {$300.00} to the PMI company monthly instead of the {$100.00} on the closing documents. I have called repeatedly and they state 'this never happens we will look into it ''. BSI does not look into it and now wants me to pay an additional {$1500.00} due to their error of sending 3X 's as much to the PMI company as they were supposed and the analysis showing I am deeply negative. This mortgage is not even due for for an analysis as it is only 6 months old and paid according to the terms of the closing documents.
I want my money back in my account as this has been going on since XX/XX/2020 and they refuse to rectify this situation and get my money back from the PMI company. I want interest paid back to me and my credit repaired as they have increased my mortgage payment and created an error due to their negligence.
All supporting documentation is attached should you need further information I will be happy to supply it.
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| 06/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/2022 Re : overpayment and BSI refusal to refund or apply to my account - loan XXXX Hello CFPB, I have been waiting on a refund for an overpayment that was taken without authorization last month on XX/XX/2022. I have spoken with several representatives at BSI ( Servis One ) and they all promise to follow up but do not. No monies have been received to date. All that happens are empty promises.
I am very disappointed with the awful service from BSI and am desperately in need of your help.
I have repeatedly called and spoke to several reps to no avail. The check was mailed on XX/XX/2022, yet we never received it. It should be mailed to my mailing address : XXXX XXXX XXXX XXXX CA XXXX. Of note, I cancelled the auto draft and they took it anyway.
This is by far the worst experience I have ever had with a financial institution.
I have also filed several complaints via phone and via email to the company directly.
I appreciate any and all assistance in this matter XXXX XXXX XXXX no. XXXX XXXX Prop address : XXXX XXXX XXXX XXXX XXXX CA XXXX
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| 12/14/2023 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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I called BSI in XXXX requesting assistance because I was no longer working. My Dads wife got XXXX and passed away and I had to become the XXXX for my XXXX. They said my account was in review with loss mitigation. It is now XXXX and I call and no one can help me. I requested to speak to supervisor and I keep getting the run around. They told me I had to fill out an application for assistance and I did and they also requested all my income information. I provided everything and I have had no response since XXXX. I spoke to someone at one point and he told me I had to pay or I was going to lose my home. I made a payment, I had to borrow it. He told me I wouldnt qualify for a modification because my rate is XXXX. I am in so much distress. This company has no sympathy whatsoever. I read on FHA site that as of XX/XX/2023 if you have FHA loan that Lender is only required to receive a verbal request for assistance. I have done a verbal and written. I think BSI is prolonging so that people can lose their homes. Please help me if you can. Thank you kindly
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| 04/17/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Like most people Covid effected my income in XXXX my mortgage servicer changed while I was going through a loan modification and it carried over to the new servicer which I had to start the process all over. Which ran into XXXX I was told by my loan servicer nothing would change to my credit because I made them aware that I was going to do a refinance. Long story short BSI Financial lied in the have proof of the lie, I've been denied credit because of what the 've put on my credit report in the comments section it reads " Loan Modified ''. I've attached proof showing I've been denied credit because of the comments left on my credit report. Also this is against my consumer laws 15 U.S. Code 1681e - Compliance procedures ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
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| 10/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im a co-borrower on a mortgage with my father. My brother filed for bankruptcy two months ago. BSI Financial Services stopped sending statements two months ago when my father contacted the company. The service representative stated there were no problems with the account. My father continued to make payments on time.
Today my father contacted BSI Financial Services regarding the continued missing statement when they notified him that the property was included in a bankruptcy filing in his name. My father then clarified that his son ( my brother ) filed for bankruptcy two months ago, but he has never been a borrower on this loan or any loan along with my father.
I spoke with an account representative today, and she stated she could not provide me with account details as the account is in default due to said bankruptcy filing. I asked how the bankruptcy filing was varied and applied to the loan, to which the representative could not give me an answer.
I did not get answers to my questions or clarify how this discrepancy would be resolved.
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| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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requested payoff from company after them telling me for weeks that my modification was in review, company told me that my modification was in review instead of telling me it was still going to foreclosure, someone came to my house and told me my home was going to auction in the morning and wanted to take some pictures, I immediately got on the phone and asked for a payoff amount to stop the foreclosure. paid the amount they requested, then after the fact they are still saying I owe over 5k on the loan, I have requested a full audit of the mortgage and have requested several times, and still not able to provide a full audit, I need the audit to provide to my attorney. Requested again on XXXX and they told me it would be mailed out in 3 to 5 business days after waiting on the line for two hours to talk with a representative. I would think a company could provide a detailed analysis of the mortgage. I want it from when the loan started. the fees they have charged are not fair and when I payoff request is provided and should include everything.
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| 02/08/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My VA loan was purchased by BSI financial XXXX # XXXX. My loan was escrowed for insurance and county taxes. My property is made up of 2 parcels. I received letters from my insurance company that my policy had not been paid. I spent hours trying to contact someone from BSI. They claimed they had the wrong company listed on my loan and kept getting the funds returned. They made no attempt to contact me when their attempts to pay a policy at the wrong insurance agency were blocked. I am now receiving letters from the county about taxes not being paid on a parcel connected to my loan. I spoke by phone with a representative who stated they only show 1 parcel on my loan. I have made numerous attempt to contact them being prompted by phone messages to leave a message and they would return my call when available. I have made online email messages. I get an email that I have a secure message but the system they use gives continuous errors or fails to load. I would like to remove escrow but can make contact with a representative to have action taken.
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| 07/28/2021 |
Yes |
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Web |
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My mother owns the home. Got behind due to Covid lost job. My dad lost life to XXXX. My moms house defaulted as a result. We were told we were protected by the moratorium in place. When I went to sign closing docs they added {$33000.00} in unpaid fees and interest and {$10000.00} in penalties. The bank statement itself says we owe {$15000.00} to be current. I was told they are violating regulation Z by Legal Aid of Nevada. BSI Financial Services also told me the moratorium does not apply to them they are private investors. They said they will not reduce any of the fees. Even though we were effected by the pandemic. The fees are compounded at 18 %. Also when my parents signed they were not aware of what they were signing my dad had XXXX, is a veteran and they were both XXXX and XXXX at time of signing. I want to resolve this as quick as possible. If they will honor what it says on their bank statement of {$15000.00} I will agree to pay that. Id like the prepayment penalty waived due to extenuating circumstances beyond our control. Thank you
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| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I made a personal endorsement to pay the loan. This is unrelated to any business loan. This is affecting my personal credit, hence unrelated to the business loan. This is fully under the auspices and jurisdiction of the CFPB as this affects my personal and family objectives.
Unfortunately, I XXXX XXXX XXXX I subsequently lost my job, my wife also was XXXX. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
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| 11/17/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Servicemember |
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I am in the middle of VA IRRRL refi with XXXX XXXX XXXX XXXX.
I have a loan for an improvement on my home that is currently administered by BSI. They are requiring a subordination agreement and this is the only thing holding up the loan. They have been been work on this since early XXXX and they have made many mistakes and are dragging this process out an unreasonable amount of time. The loan with BSI does not appear on my credit report and was not recorded with the county court house. It took 2 months to get the point where they gave me a list of things needed to be done to start the subordination.
Here are the issues : *Unresponsive to communications and requests to fix errors when sending my information to the wrong emails that don't exist.
*Not being able to provide instructions for the subordination for 2 months.
*Being dishonest about getting the wire transfer. I sent them a wire transfer of a {$350.00} fee on XX/XX/XXXX and they claim they didn't get it until XX/XX/XXXX.
*Delaying the VA IRRRL process by 4 months so far.
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| 09/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial mismanaged my 30 year fixed rate mortgage by mismanaging it as an interest only loan. They turned my home mortgage acccount into negative amortization as they began to withdraw from my homes equity. BSI stated they would correct the issue by XX/XX/2020, however, they did not. I wrote them via Qualified Written Request asking them to restore my account and my credit. I also requested they provide answer additional concerns as to how they planned to restore my escrow account. BSI has not properly restored my account. BSI Financial incorrectly deducted the funds not applied to my Principal Balance to the negative amortization balance of {$150000.00} which allowed them to keep the equity they errorneously took from my loans Principal Balance. When BSI financial assumed my home mortgage loan the Principal Balance was {$140000.00}, the {$23000.00} BSI failed to apply to the Principal Balance should have brought my Principal Balance to {$120000.00}. This needs to be corrected with an detailed explanation of their calculations.
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| 01/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I obtained a mortgage from my local bank in XXXX of XXXX. I had 20 % down and chose NOT to have taxes or insurance escrowed. I have the " waiver of escrow '' paper from my closing documents. Around XXXX of XXXX my local bank sold the loan to BSI Financial. On XXXX XXXX of XXXX I received an " annual escrow account statement '' showing that BSI had paid the taxes on the property for XXXX and were increasing my mortgage payment to cover the, now short, escrow account. I have called multiply times to try and resolve the issue. I asked for a written statement of why BSI paid the tax bill and for them to send me a bill so I can pay them back. I did not want an escrow account and I feel like it could be some kind of scam that they went out and paid a bill not due to them and are now trying to get me to reimburse them. I told the representative that I will continue to pay the monthly payment I had agreed to on my mortgage contract. She stated that the difference will be " past due '' and I will be in default and at risk of foreclosure.
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| 01/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced my mortgage with XXXX XXXX. My loan was then sold from the Mortgage Broker to BSI Financial. I have made an account on their website and attempted to make my mortgage payment. I didn't accept it on their site so I called customer service. I spoke with XXXX who told me we will take care of it. I gave him my information and he said it was all ok. Two days later, I receive a letter in the mail saying I now owe an additional XXXX dollars as it was past their 5 day grace period. ( this is on the XXXX ). I called back customer service, XXXX again answered. He told me this was a mistake and that it would be fixed and not to worry about it. It is now the XXXX, I have received an email stating my account is 17 days delinquent. This is unacceptable. I need to have a resolution with this as I have NEVER missed a mortgage payment in my life. It will not be accepted if any negative marks go against my loan or myself. I have notified the company I have documented my calls with XXXX and that this must be taken care of immediately.
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| 10/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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My initial broker sold my loan to BSI Financial Services. Escrow is collected monthly to cover 2 separate HOAs. BSI failed to pay the annual assessments when they were due. One was paid over a month late, the other was 3 months late. Late fees, interest and collection notices were assessed to my account along with threats of foreclosure. After months of countless calling, one association was resolved. I am now working on the second association, which is still unresolved. I am attempting to refinance the loan in order to sever ties with BSI Financial, at significant cost of pre-payment penalties. That refinance may be threatened due to their mishandling of my account and inability to resolve a fairly simple problem. Upon investigation, I learned that this company has a history of this very situation, resulting in legal action for federal offenses. I am reporting that BSI Financial did not resolve their process flaws, despite the federal charges, the settlement they paid, and their PR statement committing to resolve to improve.
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| 08/18/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Loan # XXXX My loan was refinanced through XXXX XXXX on XX/XX/XXXX with a payout the same day. XXXX XXXX Office Manager XXXX XXXX XXXX XXXX NMLS XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold it to XXXX and the new file loan number XXXX with a first payment date of XX/XX/XXXX. XXXX XXXX XXXX They owe me an escrow refund of {$7200.00} and they need to take my account out of a derogatory status. It appears from other consumer complaints, this company has done this a lot with refinances and it does not take 17 days for them to update their records for a payoff and then create credit issues for me. This is also a VA loan so they are messing with a government backed mortgage. I would appreciate this getting resolved immediately.
Lender has also accused me of not having appropriate insurance ( after they purchased my loan from guaranteed rate - which is escrowed into my loan ) and not my responsibility to show them. However I can. They threatened to charge me for this as well.
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| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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BSI is my loan services who has charged late fees for 4 months despite having timely paid more than my required mortgage payments. After contact BSI they have failed to explain nor remedy the issue.
They claimed that one payment in XXXX was processed or received after the grace period even though I have set up auto payments from my bank to be paid with a couple of days at the beginning of each month, and perhaps the mail during the holidays was slow.
I have always paid my mortgage payments on time and fail to understand how my payment was late given the auto pay process and given 16 days grace from monthly due date I have over paid my mortgage payment by {$22.00} that has previously been applied to added principle and if for some unknown reason it was processed late then the excel payment should have been applied to late payment fees, and it wasnt.
Concerned that I have been charged late fees for 4 months when my payments were made timely. And these late payments impact my credit and ability to get new financing
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| 02/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In 2016 I was forced to file for Chapter XXXX Bankruptcy protection to prevent foreclosure on my home. The foreclosure proceedings resulted from repeated errors in recording payments and applying escrow payments by the loan servicer. BSI Financial Services, the successor to XXXX, has been the loan servicer throughout the Chapter XXXX case. During the Chapter XXXX proceedings BSI continued to make errors in applying escrow payments. After two Qualified Written Requests and countless phone calls to BSI, BSI has never responded or taken any action to correct their errors. Most recently they send a Notice of Payment Change for an alleged shortage in the Escrow. In fact, BSI is holding funds that exceed all payments due from Escrow over the next 12 months.
BSI is the servicer for XXXX XXXX XXXX XXXX, which is controlled by XXXX XXXX. XXXX trades in underperforming loans and profits from foreclosing on properties that are valued at more than the mortgage balance. My home is valued at 2.5 times the current mortgage balance.
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| 06/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I made my defaulted mortgage current by paying {$41000.00}.
Once my account was reinstated, I made XXXX consecutive monthly payments in full of {$3500.00} each on XX/XX/XXXX, XXXX, and XXXX for a total of {$14000.00}. This made my mortgage paid ahead through XXXX of XXXX.
On XX/XX/XXXX, BSI Mortgage called me and told me they no longer allow payments ahead of more than 60 days and would not refund me the additional 2 of 4 payments I made. They offered to pay down my principal, which I did not want. I am self-employed, do not get paid regularly, and do not have any income coming in for the foreseeable future.
I expressed to them that by taking XXXX ( XXXX ) of my advanced payments away, totaling {$7000.00}, they would force me into foreclosure.
The system allowed me to make advanced mortgage payments. They should not allow it in their billing system if they did not allow more than 60 days ahead.
I either need to get the advanced payments back, or they need to apply them toward future payments.
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| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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every 3-4 months they said they haven't received my payment, but I think they hold a certain number of them so they can get late fees. We own many properties and send the mortgages via billpay. this is the only one that occassionally " doesn't receive payment '' This occured for the XX/XX/2020 and XX/XX/2020 payments.
In addition, your account isn't real time so if you send in a payment you don't see it reflected until THE NEXT MONTH. There should be a class action suit against them so we can look at their books and see how many people they are doing this to. Also, I think they may be stealing escrow money because I balance my books ( yes accounting nerd ) including the escrow on my mortgages and guess what. This is the only one that says they didn't receive the bill. The loan is in the company name of XXXX, XXXX, but I as the owner have a XXXX credit score so you can see that I pay my bills on time.
I would like for the XXXX and XXXX late fees to be reimbursed and and the fee to pay online be reimbursed.
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| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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BSI financial keeps increasing my escrow payments each year stating that they shorted my escrow account. I never receive a detailed escrow report before the increase with the options to settle the account. This is the second year in a row that my mortgage has gone up and now im paying double what i started when I bought the house. I know this company has settled lawsuits in the past for similar issues with clients. I can not afford to have my escrow payment increased by hundreds of dollars every year. I did not get a choice on who buys out my mortgage. I have never had my escrow shorted as much as this company has and ive been a homeowner since XXXX. I would like to have my mortgage switched to a different company who will actually sent a detailed escrow statement each year like they are supposed to so that I dont have surprises every year. its hard to make a budget when they are not consistent. My current account says im XXXX short but there is no where to indicate that Im the XXXX short they are claiming.
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| 09/05/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have been paying my mortgage automatically, on XXXX XX/XX/2022 i received a letter saying a shortage of Escrow, i went ahead i paid the Shortage on XX/XX/XXXX mortgage payment was showing a different amount of {$2100.00} so i called and tried different methods and no answer, after many tries someone called me almost end of XXXX to tell me that they can not do nothing thats the amount, i have try to get an explanation but with no luck. I dont get why my payment change if everything is same and now they are not applying ny payments so Making my loan get extra fees. This is not fair for a XXXXXXXX XXXX Veteran. My account is Good and my Payments have been sent and they are not applying anything and want me to pay the {$2100.00} instead of my Mortgage payment of {$1700.00}. So i need help for this bank to do the right thing i can not understand how they can change a payment so fast because a Shortage but when the customer pays the Shortage is hard for them to put the payment back how it was real concerning.
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| 01/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear CFPB Team, I am complaining for mishandling my Property Tax payment by BSI Financial Services.
BSI did not pay my property Taxes timely and when I got notice of Non Payment, I immediately shared the copy with them and they confirmed they will make the payment. After receiving further notices I started following up with them regularly and it took them 4-5 weeks for initiating payment as they lacked resources as per them. The payment was released late despite of me reminding them of last date and this their check was rejected and my taxes went to Tax Sale. After speaking to BSI customer service that I will make the payment to avoid reporting to my credit report and they will reimburse me they are completely non responsive to my claim and they are showing record that they have made the payment. I call them every week send them follow-up emails but they do not respond and customer service just takes information and dont do anything.
I need help and guidance to resolve the issues and get my payment.
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| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I refinanced my home last year, XXXX XXXX. BSI Financial is the loan servicer for my home mortgage. In XXXX, I received a statement from my County indicating that all of the XXXX taxes were not paid and I owed a balance of {$1.00}. I called BSI and indicated that I have XXXX XXXX parcels and that only XXXX of the XXXX taxes was paid. I gave the individual the parcel # over the phone and was informed that I would not be assessed a penalty. In XXXX, I received an escrow analysis that shows BSI Financial paid my XXXX taxes of {$1900.00} in XXXX and again in XXXX.
They also paid XXXX taxes of {$1800.00} in XXXX and again in XXXX (?? ) and now they want to increase my escrow account from {$440.00} to {$780.00} a month. I have no clue what property they paid {$3600.00} from my escrow account. I have tried calling them and have left XXXX very detailed voice mail messages for XXXX XXXX, BSI at XXXX XXXX with no return response. BSI wants to increase my current monthly payment from $ XXXX to $ XXXX on XXXX
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| 10/11/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I called BSI Financial Service at XXXX on XX/XX/2023 to verify what happened with the check send on XX/XX/2023 and the agent told me that the check did not arrive because the address they send was misspelled, he told me to follow up on XX/XX/2023 I could not do that follow up and on Wednesdays ' XX/XX/2023 I went to my office and the check did not arrived yet.
I called BSI Financial services ' at XXXX on XX/XX/2023 around XXXX XXXX and the agent XXXX XXXX number XXXX said exactly the same history the other agent said me on XX/XX/2023 that he was going to escalate the issue to the escrow cash team I asked him to a case number he told me that they do not provide that I asked him if there is a way I can receive information from the company of the status and he told me that they do not operate in that way and the only way is calling, so that I need to call on XX/XX/2023 to follow up.
Because of this situation I think I am in a deadlock and not receiving the escrow disbursement timely.
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| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I set up biweekly auto billpay with XXXX XXXX to deliver the checks to BSI Financial Services for each of my 2 loans, loan XXXX and loan XXXX it went well for many months, and suddenly in XXXX and XX/XX/2023 billpay checks were not delivered by the postal office, due to " undeliverable address ''. But the addresses are the same as before, and postal office resumed delivery in XXXX. When BSI customer service called me in XXXX about the delinquent payments, I paid all the past dues immediately. My intention is to always pay on time, that's why I set up auto pay to start with. The late payments were due to unexpected circumstances with postal office, it is not within my control and not at XXXX XXXX control. Attached please find XXXX XXXX evidence of payments made. I would like to beg BSI to withdraw the late payment report to credit agency, it made my credit score drop from XXXX in XX/XX/2023 to current XXXX.
thank you very much for your great help!
XXXX XXXX ( XXXX ) XXXX
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| 02/04/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I entered into forbearance when Covid hit. The mortgage company I had at the time was XXXX XXXX they then sold my mortgage to XXXX XXXX and thats when the nightmare began. Once I went back to work ( XX/XX/XXXX ), I contacted XXXX to begin the modification process and they finally sent me the modification packet in XX/XX/XXXX. Here we are in XX/XX/XXXX and I have gotten pretty much no where with them I keep getting the run around. In XX/XX/XXXX they send a pact to fill out and sign so that they can finalize the modification process, but continue to send me monthly bills as if I have never began the modification process. Every time I call I get the run not to mention my point of contact person as changed numerous times. Now Im being told I have to pay XXXX, XXXX, and XXXX so they can finalize the process. It has been nothing but a tremendous nightmare. Please help and/or advise as to how to proceed with this nightmare. I have even put in a complaint to the XXXX XXXX XXXX.
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| 09/21/2023 |
Yes |
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- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
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Web |
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I have been experiencing financial hardship due to XXXX natural disaster Hurricane Idalia, my area ( XXXX XXXX FL ) has been impacted and declared a natural disaster by FEMA as of XX/XX/23 and my mortgage company is refusing to help with forbearance plan. I have been reaching out to BSI financial since XX/XX/23 to ask for relief as our area has been impacted. No one is willing to help nor try to hear what we are trying to explain. I've been put on hold for more than an hour/ hung up on/ told that I need to let my account go to delinquency / agents refusing to connect me with the person in charge of my case. Once I got the individual in charge I was told that the only way I can get forbearance is if I'm unemployed which is a lie. I'm now one month behind on my mortgage of {$1900.00} and I don't want to have a delinquent account. I've never missed a payment with this company and no one seems to know the law and just wants to say company policy and be dismisses.
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| 04/18/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
Hello My house XXXX XXXX XXXX XXXX XXXX Texas XXXX is a rental property under a VA loan. During Covid XX/XX/XXXXXXXX XXXX my tenant refused to pay rent and said since my home was protected under the Cares ACT XXXX Texas had a moritorium on evictions.
Finallly in XX/XX/XXXX that ended. They did not pay rent for over 2 years. Any my husband is XXXX XXXX fireman and XXXX veteran. On XX/XX/XXXX he was seriouly injured in a work fire and had over XXXX XXXX through today... He was medically retired XX/XX/XXXX after 30 years and he is Veteran XXXX XXXX XXXX... I have submitted 13 modification applications and they either claim denied by investor or they never receive them. I filed a compliant with XXXX Housing authority too... I have tons of equity in the home just had it appraised for {$470000.00} and we owe with all back payments {$200000.00} We spent over {$30000.00} this year on mold remediation issue. BSI wont help us with any modification of this loan
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| 01/18/2022 |
Yes |
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Web |
Servicemember |
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I XXXX of XXXX I started a loan modification with round point mortgage. After I signed and returned the document in XXXX of XXXX my loan was sold to BSI financial Services. They in turned started their own loan modification. As of this writing ( XX/XX/XXXX ) the loan modification has not closed. they list me as XXXX XXXX behind because they have not melded the two account, they also list me as being XXXX behind, and have reported me twice as being delinquent to the credit bureaus. Because of their reporting I am unable to qualify for any other loans. They are using this modification to suppress my ability to remove my loan from their institution. Even with Covid it should not take over a year to complete and Modification. Their slow walking the modification has cost me thousands that I could have saved with a better rate, and their reporting a thwarted my ability to get out from under their control. Or qualify for better rates on all my credit needs.
|
| 05/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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To whom it may concern, I have repeatly asked for a payoff of te following properties : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in XXXX.
I am forwarding a copy of this letter to CFPBXXXX XXXX and the attorney general of the state of PA.
I have repeatly been told that I will receive the payoffs the next during a phone call.
I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Each time I was told it takes 3 to 5 business when tat time has been exceeded and still to this date after 50 days I have not recieved the documentation that I requested and currently a closing for one of those properties is being delayed due to non receipt of the requested documents.
Lastly, I just paid off a property and still show a payment for May? The balance has been reduced but still show a payment due.
XXXX XXXX XXXX
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| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
I have my mortgage with BSI Financial since XXXX of XXXX. I have not missed any payments. In XXXX of XXXX, I asked the company over the phone if I could do bimonthly payments to pay off my mortgage a little early because there was no option to do so online. They told me I would be able to do this by calling in twice a month. I have been paying my mortgage bimonthly since XX/XX/XXXX. However, when I look at the transaction history, it is clear that when I pay my bimonthly amount in the middle of the month, BSI will suspend that payment until I pay at the end of the month and that is when the payment is applied. This essentially defeats the purpose of the bimonthly payment as no principal or interest is being paid at the middle of the month which is suppose to lower the interest owed and paid at the end of the month. My mortgage contract states no prepayment penalty but it seems like they are actively preventing me from paying my mortgage off early.
|
| 08/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Previous loan service company, XXXX XXXX. ( representing XXXX XXXX XXXX ), transferred my account balances to new service company, BSI Financial Services ( BSI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, TX., XXXX. XXXX transaction history ( See attached ) shows the escrow account was closed. Unfortunately, that escrow balance of {$770.00} is not reflected in my BSI account.
Also attached is a synopsis of some relevant email communication. Please note that while these emails were exchanged, several calls were made to BSIs customer service department. During these calls I was told that my issue was transferred to the appropriate department for resolution. However, when I call back to follow-up, there is no notes of activity on my account regarding the previous call.
Subsequent to the attached emails, beginning on XX/XX/21, several payments reversals were made on the account and now BOTH my principal and escrow balances are inaccurate and WRONG!!
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| 02/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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BSI FINANCIAL SERVICES - XXXX is reporting a late on my credit file from XX/XX/20. At this time i did not have access to my bank information and i made several attempts to make my payment over the phone and online with my debit card and they refused to take my payment. I was stuck out of town due to COVID and had no access to any of my information. Once i got back i was able to successfully make my payment but when i checked my credit file and saw the late. I was very disappointed. I was not trying to be late and since i had been in communication trying to make my payment i thought i was fine. I am very frustrated with BSI, i was never told i would get a late marking on my credit file and like i said since i was in constant communication with them trying to resolve this issue. It was truly out of my hands and feel as this late notation should have not been added to my credit file. I would like BSI to remove this late from my credit file.
|
| 01/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I received my escrow analysis with my XX/XX/XXXX statement. Upon review of the escrow analysis I noticed a couple of errors. At the end of XXXX there was ample money to pay the property taxes and insurance. I should have been getting a refund for the overage. Instead, the company assessed a charge for taxes that is not mine and have increased my loan payment by over XXXX per month to cover the alleged shortage. I have contacted the company in excess of XXXX XXXX XXXX XXXX times since XX/XX/XXXX only to be bounced around from voice mail to voicemail. Allegedly, return calls are made between XXXX hours. The last call I made was on XX/XX/XXXX. As of XX/XX/XXXX, I have not received a call back from someone to assist me with my inquiry.
I have, however, received XXXX ( XXXX ) emails with surveys on the service I have received. In BOTH surveys I gave the company a less than stellar review and restated everything that is contained here.
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| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Our mortgage was serviced by XXXX before being transferred to XXXX XXXX when XXXX was acquired by XXXX XXXX XXXX. We had an escrow analysis done this past month ( after successfully getting our PMI removed after an appraisal ) and instead of our payment going down by the PMI amount, it went up by over {$200.00} a month. The company is claiming our taxes went way up ( they didn't. Our taxes and hazard insurance increased by {$360.00} total for the entire year, but according to the company they were calculating our taxes based off of a tax amount that hasn't been accurate for several years, but county records reflect accurate payments. When I asked for the escrow analyses over the last several years, they claimed they don't have them and that I need to go to XXXX to get them. Obviously that's impossible because XXXX no longer exists. BSI Financial should have all documents from the life of the loan, but they are claiming they do not.
|
| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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Was looking into refinancing our home and the mortgage lender is showing that we have a Forberance on our Home Loan that is with BSI which was purchased from XXXX XXXX. BSI purchased the loan from XXXX in XX/XX/XXXX. BSI is showing that we have a approved Forberance on XX/XX/XXXX. Which we have never signed any paperwork or even asked for this to be done. And we have been paying our monthly payment of {$720.00} since they have taken over the loan from XXXX. Also, found out today on XX/XX/XXXX, that they also show a Reconstruction on our loan of 514 months when we should only have 18 years left on the loan. Why would the payment not have decrease in the amount per month, if the loan was extended out to this length of time. Also, no paper was signed or agreed on to this either with XXXX or XXXX XXXX. We also found out that there is a complaint against BSI thru CFBP on XX/XX/XXXX for the same reasons as listed above Falseified papers.
|
| 03/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Mortgage was purchased by BSI Financial late XXXX.
XXXX submitted ( which did not got smoothly and took forever to process ) XX/XX/XXXX.
PMI was not automatically removed ( although I was told it would be ). I submitted a letter to have PMI removed and eventually it was removed. Escrow overage check was received after XXXX closed out and payment was recalculated.
I made my new payment each month on time. Most recently, I sent a check for my XXXX payment in the amount of {$1500.00}. The online portal shows the check as received on XX/XX/XXXX, but is listed as being " unapplied. '' It also shows my actual payment amount due as being {$1600.00} and shows that I'm delinquent on my XXXX payment. I've made several efforts to contact the company with no call back as of yet. I'm afraid of being charged late fees or worse, being reported to the credit bureau. They clearly have my latest payment and have not bothered to return my calls.
|
| 03/12/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
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|
My mortgage was transferred from XXXX XXXX to BSI Financial on XX/XX/2021. I have received no welcome packet, no statement, and no information from BSI Financial. I have talked to BSI on the phone multiple times and they refuse to accept my payment, and will not even disclose how much my payment is, because they say my Chapter XXXX repayment plan forbids them from taking a payment or discussing the account. BSI states they will not even send me statements on my account due to the bankruptcy. They told me I could mail in a payment, but refuse to tell me how much the payment is. They indicated they would not provide me with a receipt of any payments I send. I asked them if they were trying to force me into default and they refused to give me an answer. My mortgage is a " direct pay '' and isn't even part of my Ch. XXXX filing. I can't make a payment and my mortgage is already 10 days past due. I'm scared and don't know what to do.
|
| 06/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
I made an online payment on XX/XX/ for the amount of {$1800.00}. On XX/XX/XXXX there were two separate transactions from my checking account for {$1800.00} for the mortgage company. I called the mortgage company to inform them of the error and they are refusing to refund the payment stating that the payment was applied to another month that I owed. There apparently was an error with the online service that duplicated the payment. I think that if an error occurred they should try to correct the error. It has nothing to do with what I owed. The system made an error and I should be refunded. Also, on XXXX I called and spoke with a representative who stated that a ticket would be put in for the error and when I followed up on the ticket today they are saying that due to past due payments they will not refund the payment taken in error by their system. This error has caused hardship for me and my family. I need the money refunded.
|
| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have auto payment scheduled where my bank is paying my mortgage payment to BSI Financial Services. Payment is due on the first of the month so my bank cuts the check a week before its due, dates on the first of the month. Received mortgage statement today stating I missed XXXX payment with {$80.00} late fee charge. I contacted my bank which said check was mailed on XX/XX/23 but BSI cashed it on XX/XX/23 which is out of courtesy time ( 2 weeks ). Called BSI and asked to have late fee reversed which I was not promised that it will actually happen. Agent did say that BSI was having problems with getting their mail!! How is that OK to charge late fees to customers when it was their issue and problem. Also why did they not contact us regarding not receiving payment? This is such a bad scam and terrible customer service, charging customers for their issues!!! Ive lost all my trust to BSI and wish we could change mortgage company!
|
| 01/26/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My loan was transferred from BSI Financial Services to XXXX XXXX. Date of transfer was on XX/XX/21. My account number under BSI is # XXXX.
My concern is I am being charged astronomical amounts of money and NEVER notified as to what the charge was. The attached document from XXXX XXXX shows a Corporate Advance Adjustment ( one in the amount of {$5300.00} and the other in the amount of {$13.00} ).
I am now just finding this out because of the year in statement received from XXXX XXXX.
When I questioned representatives from both places they had no idea where it was coming from.
When looking this up online, the definition points to some Lawyer fees relating to based on foreclosure. My home was never foreclosed on. I filed a chapter XXXX. BSI never sent me anything on this.
If I am not refunded I will seek legal counsel if no one can help here. You can't charge people and not ever send any documentation to the borrower.
|
| 12/01/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Hello, I am trying to get in contact with the BSI Financial Services customer care department regarding removing my former wife off of the mortgage but have received no feedback. I have reached out on three occasions ( XX/XX/2022, XX/XX/2022, and XXXX ). On each occasion they have not written me back. I was able to remove my former wife off the deed and the VA loan certificate, now I just need her removed off of the mortgage loan from this lender, yet I feel they have been dodging my emails. I've been hung up on whenever I do get through on a call and ask the question. On XXXX instance a lady said she's not sure how, or if they do that. It's something she'd have to ask her supervisor, but they were unavailable. I have not received any information regarding this dilemma. I do not receive money to pay the mortgage from my former wife, nor have I ever. I'm not sure where the problem lies. Why won't they just get back to me???
|
| 01/29/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage was sold to BSI Financial Services Im XX/XX/XXXX or XX/XX/XXXX. We are unclear on this. We tried to pay our XX/XX/XXXX mortgage payment to our previous servicer on XX/XX/XXXX but we were unable to, I emailed them and received no response. A few days later we received a letter saying our mortgage was sold to BSI. The letter was from our previous servicer.
We have not received a statement from BSI. We have only received a call saying we are to pay them. They are unable to provide us with a statement. We are unable to create an online account because their online portal doesnt work. We have no electronic or paper statements from BSI and they seem unwilling to supply one. Our credit report doesnt even reflect that our mortgage has been sold to BSI. It currently shows we have zero mortgage debt. BSI has been emailing me twice a day for the past week to set up autopay which I refuse to do until I see a statement.
|
| 02/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We received a letter from BSI Financial services today XX/XX/XXXX to welcome us as a new customer for our mortgage loan and stated our principal balance is XXXX. The letter is dated XX/XX/XXXX. It has our names and address on it and where to send payments and a form for automatic withdrawals. However, we do not have a mortgage loan with BSI financial services and have never even heard of them. Our mortgage account is and always has been with XXXX XXXX and our principal balance is XXXX. I called XXXX and they did confirm that our mortgage is with XXXX XXXX since XX/XX/XXXX and to disregard this letter. I am not ok with disregarding the letter as they have our information on this letter and to me this sounds like fraud and violating the consumer financial protection act ; which BSI have already been sued for. We would like this investigated and why they have our information and a supposed account number with a balance.
|
| 01/18/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Starting in XXXX I received a letter stating that my loan was looking to be foreclosed due to missed payments I never missed any payments and I owed XXXX so I called the company which is bsi financial. They then stated they had 3 different documents with one stating I was completely current with my payments then another stating j was one payment behind and the last one stated I missed 4 payments finally getting everything taken care of they said it was stheir cashier department that said I missed 2 payments in one month and they fixed my account but where still stating I was a month behind and now a similar problem is happening where they're stating I haven't paid them since XXXX which I have and I'm a 106 days over due but this time when I called they said they're holding my loan payment and if I tried to make another payment it would also be held and when I asked why they said I don't know I'm just customer support
|
| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I called BSI Financial on XX/XX/2022 for payoff for my 2nd mortgage. They advised me to go online to get the payoff amount because they could not tell me over the phone or confirm. I went online and found the full payoff amount that same day I went to my bank for a cashiers check for total amount and mailed to BSI. I also called to advise them I was mailing payment. They called me the week of XXXX XXXX XXXXXXXX stating I still owed {$260.00} to pay which at that time I paid over the phone. Today XX/XX/2022 I received a letter stating they are destroying my certified payoff check. Customer services can not give me answers and a supervisor keeps me on hold. I just want to pay off my loan in full. What company would not apply funds to an existing loan. This company needs to be investigated immediately due to unethical practices and fraud. The customer service keeps sending me to a voice-mail. This is XXXXXXXX XXXX XXXX
|
| 08/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage was transferred to BSI XX/XX/XXXX. The old mortgage company transferred our Escrow Refund ( by mistake ) and Insurance Cancelation check ( since our mortgage was transferred to another lender they canceled the policy ) to BSI and it was to be refunded to but never was, i tried for 7 months calling every week to get it handled and it never was, all they kept doing was opening tickets i tried to explain to them what was going on they said on i see it in here let me open a ticket the next week i would call back and do the same thing with a different person. finally i sold my house, frustrated and sick of dealing with both these horrible service companies but never received the XXXX. XXXX escrow refund from XXXX, {$1700.00}. insurance refund from XXXX, the refund for the new insurance BSI put on our house eff XX/XX/XXXX that should be canceled now since we sold it and the escrow refund for XXXX {$1600.00}.
|
| 12/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This summer I refinanced my mortgage with XXXX XXXX XXXX. They sold my mortgage and the new servicing company is BSI Financial. On XX/XX/XXXX I got a notice my city treasurer notifying me that my property taxes hadn't been paid on time ( XX/XX/XXXX ) and that a 1 % penalty had been applied. If I still hadn't paid them by XX/XX/XXXX then another 8 % penalty would apply. I tried to contact BSI via phone to see why they had not paid my taxes from the funded escrow account for that purpose but was not able to reach anyone. I then tried sending an email to their customer service trying to find out why they hadn't paid the taxes. With no response I paid the taxes from my own account instead of the escrow account to avoid the large penalty that would apply. It has been a few days now and I still haven't been able to contact anyone at BSI to understand why this even occurred or how to prevent this from occurring again.
|
| 08/28/2023 |
Yes |
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
Several weeks ago I sent an email to BSI Financial Services to using their contact web page : XXXX XXXX XXXX, to have my mailing address updated since my mortgage was kind in full. It appears that although the request was received, my account was not updated and their mail is still going through my old address. I no longer live there. Now I am trying to figure out where my escrow check was mailed to and or if it has been mailed. No one can give me a stasis update and apparently BSI is too cheap to give the escrow department phone line so there is no one to speak to. I want me escrow check mailed ASAP and to the CORRECT ADDRESS.
There is record of them receiving my change of address request no no action was taken. When asked for ticket number to record my phone call none could be provided because there are no reference number. I ask multiple people for ticket numbers or reference numbers and none were given.
|
| 08/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2022 I received an email from the Supervisor at BSI Financial with regards to my inquiry on removing the PMI from my mortgage. This was after having at least 4 previous calls with reps who were unable to understand the specific scenario and specific request. I began reaching out to the Supervisor XXXX XXXX by email on XX/XX/XXXX and XX/XX/XXXX in order to clarify some questions I had with regard to what type of Appraisal report was needed to be submitted for a " Borrower Initiated Termination of Conventional Mortgage Insurance Based on the Current Value of the Property ''. After an additional 3 calls and unable to get answers from frontline reps or from XXXX XXXX, the Service Provider, BSI Financial is not responsibly servicing my request to remove PMI, and not providing the information needed to move forward with the removal of PMI. This has reached a level of obstruction that needs to be addressed.
|
| 05/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In 2020, my mortgage was transferred from XXXX XXXX XXXX to BSI Financial Services. During that transfer, both companies failed to pay the second half of my property taxes for 2020. My property tax bill has now incurred over {$700.00} in late fees and I am concerned that my county will issue a tax lien against my property.
I have called BSI Financial Services three times since XX/XX/2020 to rectify this situation. Repeatedly, they told me to email their customer service with the tax bill details and I complied. To date, I have sent a total of four emails to BSI Financial Services and I have never received a confirmation of receipt of my emails or any contact related to them despite the serious tax delinquency. One month ago, they assured me they had all the info they needed and that they would call me once the tax bill was taken care of. My bill remains unpaid and they still continue to avoid contacting me.
|
| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have suffered with the XXXX Virus 2 times. XX/XX/XXXX and again recently XX/XX/XXXX after taking the XXXX XXXX XXXX. BSI Has refused to offer mortgage assistance or a forbearance to me so I can keep my home from foreclosing. Received foreclosure letter from foreclosure attorney dated XX/XX/XXXX but received it in the mail. XX/XX/XXXX, XXXX.The Tennessee law states I was to receive 30 day notice prior to the foreclosure sale of which it is only a few days prior to the sale date. I was affected by XXXX and we have been under a foreclosure moratorium since XXXX of XXXX. BSI customer service is rude, unwilling to help homeowners and they disregard federal laws moving forward with foreclosing on homes. I'm a elderly woman who has filed bankruptcy several times to keep my house from foreclosing and keep a roof over my head. I have requested mortgage assistance several time, BSI will not work with me. I Need Help
|
| 06/15/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am having a very difficult time with BSI Financial Services. I have a VA loan from being a Veteran with the XXXX XXXX. I am a XXXX veteran. I lost my job right before the COVID 19 pandemic. During the pandemic BSI told me they could help with a forbearance. Now that the pandemic is ending and me and my family are recovering from the COVID pandemic we applied for a loan modification. We were declined stating we didnt make 12 consecutive payments. BSI never mentioned this to us and has put us in a foreclosure situation. They are acting like predatory lenders, and not being honest.
I spoke to XXXX XXXX at BSI and she said she would request a over rule. The underwriter declined with BSI again. BUT I spoke to the VA Department with XXXX XXXX, she said the VA would over ride the rule if requested. But the underwriter with BSI never contacted or requested. The VA loan # is XXXX. XXXX XXXX phone # is XXXX XXXX
|
| 06/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My loan was transferred from XXXX XXXX ( servicer for transfer BSI Financial ) to XXXX ( XXXX payment hub for XXXX ). XXXX XXXX never made me aware of the transfer. XXXX XXXX said they sold the loan on XX/XX/XXXX but I was not made aware until I received two XX/XX/XXXX statements, one from XXXX XXXX and XXXX. Not only that, I have a statement from XXXX XXXX for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If XXXX XXXX had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from XXXX XXXX for XXXX and XXXX. I have been in daily contact with XXXX XXXX and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these two companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.
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| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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My home mortgage was transferred from XXXX XXXX to BSI financial services in early XXXX. I made my XXXX mortgage payment to XXXX XXXX before I was notified about the loan servicer change. Shortly after I was notified, XXXX XXXX confirmed that they would send my XXXX mortgage payment to BSI and BSI confirmed that they would mark my account to ensure it would not show as delinquent and BSI also informed me that there was a 60 day grace period on mortgage payments after a loan servicer change. Despite this, BSI has marked my account as delinquent and my credit score has dropped significantly as a result. Ive submitted a dispute with BSI, but they obviously do not have proper internal controls in place and thus are not following federal law. Please note that this is an issue with BSI, not with XXXX XXXX. Ive had only positive experiences with XXXX XXXX but BSI is clearly a second rate operation
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| 06/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was acquired by BSI in XXXX of this year. I received a statement at that time telling me that my loan payment amount would not change. In XXXX I received a letter from XXXX stating that my loan payment amount would increase from {$1000.00} to {$1400.00} beginning in XXXX. The only explanation that accompanied this letter was a document showing that my PMI payment would be over {$440.00} when it had previously been {$110.00}. I have reached out to the company three times over the course of a month with no response other than them resending the same initial document. This sequence of events leads me to believe that this is a scheme on the part of BSI to defraud first-time homebuyers by significantly overcharging for mortgage insurance, which will both increase profits at their insurance company, and have the effect of increasing foreclosures which will then be covered by that insurance.
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| 11/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial services failed to record my " Release Of Mortgage " on my fully paid loan back on XXXX. As a result I can't sell my property.
BSI Financial services failed to record my " Release Of Mortgage " on my fully paid loan back on XXXX. My lawyer sent the attached letter back on XX/XX/XXXX. They never filed the release. As a result, I can't sell my property now. My realtor, my lawyer and myself in several occasions have contacted BSI Financial services to resolve this issue, but none seams to care. We have been told many times to wait for the file to be researched, but that's all we have been able to get. I need to sell my property as a result of financial need. I have had the attached contract since XX/XX/XXXX. Please that's a lack of responsibility on an issue that can be solve in less than 10 minutes. PLEASE, PLEASE I NEED YOU TO FILE " Release Of Mortgage " on my fully paid loan.
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| 06/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We are attempting to move mortgage loans from BSI Financial Services to another lender. For over 3 months we have been attempting to get BSI Financial Services to provide payoff information, book and page deed of trust for all of our properties. This information is critical for the the title company closing process. BSI is repeatedly not providing this information to our new lender. We are in danger of losing the financing and the months worth of work spent on this process. They have also charged us excessive late fees. A letter from a our attorney was sent to BSI Financial Services disputing the charges. We attempt to escalate to a manager and no one will talk to us or return our calls. The loans have matured but BSI Financial Services will not allow us to move to another lender. I spend at least 8 hours a week on the phone with BSI trying to resolve this issue. This is bizarre behavior.
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| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear XXXX, Attached is the XX/XX/2021 response letter from BSI Financial Services to CFPB Complaint # XXXX.
BSI has advised that there was transfer of servicing rights from XXXX to BSI for account # XXXX.
BSI Financial Services issued the attached IRS Form XXXX naming themselves as the lender for account # XXXX for property : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please provide proof of the servicing transfer from XXXX to BSI Financial Services for account # XXXX.
Please provide a full accounting and all records pertaining to account # XXXX for property : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Though there is reference to the property address, the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agreement does not appear to include account # XXXX.
Thank you for all your assistance in rectifying this IRS Form XXXX reporting matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
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| 01/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX seems to be utilizing a very deceptive practice where they show the option of bi monthly payments within an amortization calculator to show how this option will help payoff a loan faster. With this in mind it appears that this is a great option and it will save you money, however in reality the lender is holding the first monthly payment as unapplied funds and is not actually applying the payment to the loan. See the attached screen shot of the payment activity on my loan so you can observe what they are doing with the payments. I called and spoke with BSI and asked why are they holding the payments and not applying them to the loan balance? They said they dont do this and there is no option for them to applies these payments, they must hold the payment until the amount received reaches the payment amount and then it gets applied to the loan balance. Is this practice legal?
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| 10/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/2022 - I phoned BSI Financial Services Customer Service to ask them if sending my mortgage payment earlier than the due date would save me any money in interest charges. The BSI agent insisted that I would not save any money, but she kept referring to the 'Grace Period ' which occurs after the due date. I knew that the grace period had nothing to do with what I was asking about. I asked the BSI agent if the mortgage interest was compounded daily, and she responded that the interest is compounded daily. I then asked her how it was possible that if I paid the mortgage 10 or 14 days before the due date that I would not save on compounded daily interest. The BSI agent responded that the mortgage interest will be the same no matter when I pay it.
Again, I asked the agent how paying early did not affect daily compounded interest ; the BSI agent again referred to the Grace Period.
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| 03/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was transferred to BSI Financial, as servicer, in XX/XX/XXXX. The first PILOT ( payment in lieu of property taxes ) payment for XXXX to the municipality was due on XX/XX/XXXX ( note that these are paid out of escrow ). I called BSI Financial customer service on XX/XX/XXXX, spoke to someone and informed them of my issue, and subsequently emailed them the overdue notice from the municipality. Since then, I've received another overdue notice from the municipality and subsequently I have called BSI Financial customer service two additional times. They claim that they are escalating the issue, but no progress seems to be made. I have no confidence that my PILOT payments will be made on time for this quarter or in future quarters.
Also note that this is the second CFPB complaint I have had to submit against BSI Financial since my mortgage was transferred to them in XXXX.
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| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please refer to complaint # complaint # XXXX and complaint # XXXX for the whole history!
The loan service company BSI Financial Services has an extra charge even after the date they canceled the escrow account!!! Why did you close complaint # XXXX again without confirming with the customer?!
The BSI company approved the escrow account on XX/XX/2021, after I filed the first complaint # XXXX. And I have immediately asked them to remove the escrow account and refund me. And they promised to do so!!
But they cheated again, then I have to file another complaint # XXXX!! Now they have an extra charge of escrow amount of XXXX. Please let them refund the extra charge immediately, AND make compensation due to the late refund and extra charge!!!
BSI, DON'T DO EVIL ANYMORE!! The whole process is a nightmare for almost one year. I was hurt deeply psychologically. Do something right!!
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| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We asked for a payoff letter from the company. This is not our first complaint as it took multiple times. Then when we did receive it only had one address and the loan is for two properties. When we asked for the Payoff Letter to include both properties we went round and round. Finally, they said they'd split the amount and send two loan payoffs instead of sending just the same one for both properties. When we received the separate loan payoffs they added XXXX XXXX added the principal amount of {$17000.00} to one house and {$18000.00} to the other house. Now, mind you the total amount of the loan owed was {$160000.00} +/-. So you can see how criminal this matter is. I just want to close out this loan and be done with this company 's XXXX and attempt at XXXX. There is no prepayment penalty left as this loan had a XXXX XXXX pre-payment and we are in year XXXX going on year XXXX
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| 10/24/2023 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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In XXXX I was denied support, and was able to have family help me become current. But still didnt help my situation. I call XXXX at least once a week to get an update on my loss mitigation application. They have zero information about my application, or how long the process can take. All they say is that it could take up to XXXX business days. Today they told me that they are hiring new staff and some people left at they are back logged XXXX months. When I asked to speak to my direct point of contact she said the answer is still the same, I dont know why you call every day. They have no empathy for their customers and they dont care about their customers- they arent trying to help them. Previously, when I was late and I hadnt submitted this application they NEVER called. Never offered a remediation, never offered support, never tried to help- they sent a foreclosure notice.
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| 01/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This related to an ongoing issue which BSI has not addressed - either through incompetence or willful ignorance.
My impound account shows three debits of {$2500.00} for property tax ( actually four debits and one credit - all for the identical amount- so the net number of debits is three ).
However, only two tax payments should have been made at that dollar amount. This means that there is an ERROR IN THEIR ACCOUNTING FOR MY IMPOUNDS.
They should also investigate POTENTIAL FRAUD OR EMBEZZLEMENT from within BSI - since there is no reasonable explanation for the debit, and their ongoing reluctance to address this problem is clearly a concern.
The attached documents are : - a photo of my property tax bill showing that only two payments were needed.
- a copy of BSI 's prior response, the final page I have highlighted FROM THEIR RECORDS the property tax payments at issue
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| 07/20/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Since COVID where XXXX XXXX XXXX very bad for XXXX months and still have XXXX XXXX from XXXX I had to reduce the overtime hours I worked I was out of work for XXXX months in XXXX without pay I went back to work and still find it hard to keep up with all my bills and now Im back out of work since XXXX and should be going back in XXXX and Im also not getting and pay because Im waiting on a court date for the judge to have workers comp start paying me. Also my wife is out of work due to a disability since XXXX to present she had XXXX surgeries in that time and still has not healed yet her last surgery was XXXX XXXX in XXXX of XXXX. So I was hoping for a pause in mortgage payments or a reduction to XXXX with no penalty or restructure the loan please and thanks I really would appreciate this my kids are in college and I just want them to continue their studies without worrying.
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| 04/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a XXXX XXXX issue among others. Please just forward to appropriate agency for review of company. I do not need anything. It was just difficult to do business with the company, I paid off the loan.
The companys automated payment system has limited capability. Toward the XXXX of the month you can not get through to make the payment. Because of this your payment isnt necessarily made on the XXXX. They did reverse the late fee for me.
I expressed mailed my payoff ; the mortgage servicer received it on a Saturday XXXX but did not credit it until Wednesday XXXX. When I mentioned this to staff, nothing was done. It is a XXXX XXXX violation.
Finally, they did not honor an assumption from a prior servicer. Luckily it was my parents loan ; I assumed it. So I had the death certificates etc when I had to deal with stuff like an escrow refund made out to the wrong party.
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| 12/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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BSI Financial Services took over my existing Conventional Home Loan on XX/XX/2022 from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. From XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.
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| 03/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please refer to Complaint : XXXX. The Company 's response was that they could not communicate with me and provide the information requested or respond to a Qualified Written Request. In fact, the Bankruptcy Case was DISCHARGED on XX/XX/XXXX. The authorized agent for the Creditor filed their Response to Notice of Final Cure Payment on XX/XX/XXXX and the Order Deeming Mortgage Current was filed on XX/XX/XXXX. The attached documents confirm to the US Bankruptcy Court that the Mortgage is current and stipulate a mortgage payment due on XX/XX/XXXX of {$1000.00}. Subsequent to XX/XX/XXXX, XXXX XXXX sent a Notice XXXX Mortgage Payment Change increasing the payment due by approximately {$350.00} per month.
BSI has denied me access to their web site to pay my mortgage, but have accepted payment by phone. The staff for BSI have said they need a letter from my lawyer.
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| 03/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This bank bought my mortgage and has not gotten anything right since they acquired it. The bank has failed to pay my property taxes on time XXXX. Then they paid my insurance bill when the insurance bill is not part of my escrow account leaving my account under funded. The bank was supposed to stop payment on the insurance payment and pay my property taxes but neither has happened. I have called and spoke with a manager who was supposed to fix all of this but never did. And now she refuses to call me back and no other manager will speak with me. Then the bank sent me a check for an over balance which it wasnt since they never paid my property taxes so now my taxes are not paid and there is no money to pay it and they re-evaluated my account and now I will be under funded for next years property taxes now also. No one will call me back to fix any of this.
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| 06/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I am the owner and manager of a rental single family house. I had to quickly repair a water leak in the wall that caused the two bathrooms unusable. My mortgage company, BSI Financial Services, is holding over {$11000.00} paid by my insurance company. I filled out all required forms providing proof of payment to my plumber and contractor.
The company promised to send my insurance money to reimburse me, but never follows through. This has been on going since early this year. One of their issues deals with an inspection, which can not be done due to an elderly tenant who is very susceptible to contracting Covid-19. The inspector told me that he would not enter the house due to potential liability.
The last time I called their Property Loss Department I was told that the department was moved and requested that I fill out all forms again.
Please help me
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| 06/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Servis One , Inc. DBA BSI Financial Services received my regular mortgage payment early but did not apply it on time and did not notify me that my payment would be late.
They received multiple checks in one envelope about a week before it was due.
They cashed all of the checks before the payment date.
They applied the others that were in that same envelope but not this one.
The person processing the payment could have seen that all three totaled the regular monthly mortgage payment but they did not.
I am simply asking that they correct the late payment report My payment was made on time All my payments are made on time They did not apply it correctly.
They did not notify me of any problem.
This is a serious issue that probably affects many other mortgage holders.
Please see if you have other complaints of this nature about BSI Financial.
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| 03/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a followup complaint to the original submission on XX/XX/22 with BSI financial. I have still not heard from them, and as of today XX/XX/22, my county government still has not received escrow payment from them.
Since my original submission, I have talked to a real estate attorney and housing counselor. I have contacted my district 's councilman.
They all told me to file complaints to other agencies. The housing counselor is suspicious that BSI is using 3rd party paper checks in this day and age and that BSI could not provide me a tracking number of the check when asked.
If you look at their online reviews, they are all negative. Interestingly, there are a lot of reivews asking if the place is hiring which is also strange.
I have been instructed to submit these new complaints and report to local authorities about possible money laundering.
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| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Refinanced with XXXX XXXX regarding mortgage. BSI Financial Services has received the payoff and it payoff has been applied to my loan. Received a letter dated XX/XX/2022, from BSI Financial Services stating that " This is to inform you that your mortgage has been paid in full. '' The letter stated " a release of lien will be prepared and mailed to the county courthouse where the property is located. Please check with your local courthouse if you do not receive a copy of the recorded release. '' As of XX/XX/2022, the courthouse had not received a release of lien from BSI. I contacted BSI and they stated they could not find any record where their company had completed the document. I have called several times and no one at BSI can provide me with any information or resolution on why the release of lien document has not been prepared and sent.
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| 09/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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After the last complaint that was submitted on XX/XX/XXXX the company stated that I was paying late but went and removed all late fees and negative remarks from my credit report. But yet they constantly practice this every month of reporting that I pay my mortgage late and report it late to the credit bureaus and then I find that they have been charging fees and reversing them out but they are still showing that they have been paid. What are these fees for? I also, found out that they have been over charging me on my taxes and escrow. I live in the state of Florida and I'm a XXXX veteran that has a homestead exemption. I believe this company is scamming folks while ruining their credit at the same time. I entered into an agreement to have my mortgage without out of paycheck every two weeks and they need to honor it and STOP this madness.
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| 08/16/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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I started to refinance my mortgage with BSI Financial Services in XX/XX/XXXX. We finally closed in XX/XX/XXXX. The loan broker told me I didn't have enough equity to borrow what I needed. My house had sufficient equity. The appraiser XXXX XXXX the worth of my house The Mortgage Counsellor said that I should go FHA and after 6 months that the mortgage company would waive the PMI. I took his word on it. It was done verbally over the phone. Worst thing that I have ever done. BSI said they have no record of my previous inquiries on this subject Now to add insult to injury my real estate taxes have not been paid the last 2 quarters. The first quarter payment was late and I am still carrying a charge of principle and interest from that. I was defrauded, duped and embarrassed by both of these situations. Please I need your help with this company
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| 03/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The mortgage has an escrow account to pay insurance and property taxes. Our account is in good standing and yet the property taxes are unpaid. We received notice in the mail about unpaid taxes- {$7300.00}. Loan was sold so we had to " wait '' for new servicer. Called them on the day the account transferred XX/XX/XXXX. They said call back in 3 business days. Called back on XXXX was told to email over the unpaid tax bill and they'd take care of it and would let me know that it had been. They needed 72 hours to handle. Checked county records still not paid. Called again on XX/XX/XXXX, was told the check would be cut by XX/XX/XXXX. They would cover the penalty of {$730.00}. As of XX/XX/XXXX still no check cut and taxes are still unpaid. The first round of taxes was due XX/XX/XXXX, second round was XX/XX/XXXX. Both at unpaid as of XX/XX/XXXX.
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| 06/13/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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There has been no assistance provided for my loan. The mortgage company/loan servicing company failed to pay the home owners insurance in XXXX for XXXX. I called multiple times and the XXXX XXXX XXXX assured me the payment was made. However, I received a letter in the mail that stated the home owners insurance was force placed at a rate that creates a hardship. My original homeowners renewal offer was for {$990.00} and the insurance placed by the mortgage company is {$2100.00} This takes my payment from {$2500.00} to {$2900.00}. The mortgage company has shared that they did not pay the policy on time and was unable to be renewed XXXX spoke to them and shared that it is now my responsibility to find a new insurance company and send over proof of insurance. This is a predatory practice that supports the pockets of insurance companies.
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| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan.
2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from XXXX XXXX but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them.
3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. BSI MTG has my payments are late 90-119 days in the month of XX/XX/XXXX, however XXXX has no information.
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| 10/31/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/XXXX, BSI assumed my mortgage loan. The payment due was {$1700.00} for XX/XX/XXXX. I continued my previously scheduled payment of {$3000.00} dollars, which BSI applied the overage to XXXX 's payment and charged interest. I contacted BSI via telephone and asked that they deduct all overages from the principal balance for the life of my loan. The overage was reversed. XX/XX/XXXX, an escrow refund in the amount of {$5100.00} was removed from my escrow account. I received that refund a month later after inquiring about the money being removed from my account. In XX/XX/XXXX, BSI once again elected to divert a payment without explanation. I contacted them via telephone again and requested that any and all overages are to be applied to the principal balance. This practice that financially benefits BSI is unethical and unwarranted.
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| 11/07/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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As of XX/XX/XXXX my mortgage was sold to BSI Financial while I was on a 6 month forbearance plan due to XXXX. As of XXXX Ive been making on time and in full monthly mortgage payments to BSI Financial from the same checking account. In XXXX of this year, BSI Financial sent me loan modification paperwork stating that the 6 months worth of mortgage payments would be sent to the back of the home loan, and to continue to make my monthly mortgage payments. BSI Financial has been taking my payments as per my mortgage agreement from the same account since XX/XX/XXXX. As of XXXX my account isnt updated and BSI Financial reported those 6 months ( 180 days ) of payments delinquent to the credit bureaus which has negatively effected my credit score. There has been no movement or action taken place by BSI Financial to correct this issue.
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| 12/29/2021 |
Yes |
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- Trouble during payment process
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Web |
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I received a notice from the county stating that they have not been receiving property tax payments. I contacted the county to ensure that there were no clerical errors on their end. From talking with them, they said that they had received some of the tax payments, but have not received others. They said that I needed to talk to my mortgage company to get things all sorted out. According to the bills from BSI Financial Services ( my loan servicer ), I have been paying escrow. I contacted BSI to make sure that they have been doing everything on their end. The person I talked to on the phone confirmed that I was paying escrow, and said that she would forward the information on to the tax department to make sure that they had been taken care of that. That was a few weeks ago, and I have not heard anything back since then.
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| 12/12/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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I requested my amortization schedule because it is not accessible on my account online and also requested to pay my escrow shortage of {$620.00} for acct # XXXX. I made the request and payment via phone call on XX/XX/23. My Escrow shortage payment of {$620.00} was paid to BSI on XX/XX/23 by my bank. I again requested online on XX/XX/23, when my account will be updated to reflect the escrow payment of {$620.00} but have not heard anything. The prior mortgage company would immediately update the escrow shortage after payment and I was also able to see it reflected in my account. I was also able to see my amortization schedule online with the prior mortgage company prior to them selling my account to BSI Financial. I am concerned my payments are not being properly applied and would like communication from BSI Financial.
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| 08/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI refunded me XXXX from my escrow as overpayment/over balance on XX/XX/21. On XX/XX/21 they left me a voicemail that the check was sent in error. On XX/XX/21, they modified my load payment ( which is autodrafted ) by lowering the draft by XXXX. Now they want me to write a check for XXXX to cover the old escrow balance instead of keeping my original loan payment of XXXX.
When I spoke with a manager at BSI, they claim they " miscalculated '' my escrow account balance. The check was sent in error, but they can't tell me why my payment dropped by XXXX.
They have sent nothing to me in writing. This " error '' was only explained to me via telephone and I am not comfortable with that.
It seems like they are trying to get me to front load an existing escrow account after mismanagement of my payments.
Please help
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| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I was transferred to BSI financial from planet home lending while we were in modification process. Once BSI took over they refused to give me an affordable modification but extended my mortgage by 40 years and {$100.00} payment reduction and threaten me to foreclosure. I have been affected by XXXX and was actually XXXX and my self employment business was affected. I am now forced to get social security income of {$2300.00} and My income has reduced and I do side consulting of approx {$1500.00} a month. I can only afford $ 1800approx. Please help. Also BSI had charged me additional fees and interest and late fees and threatens to report my 12 mos delinquent to credit bureaus and foreclosure.
I have been making partial payment of {$1300.00} per XXXX XXXX lending for the last 12 months and that was very affordable.
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| 01/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I worked with XXXX XXXX ( Personal NMLS # XXXX ) at XXXX XXXX Mortgage XXXX on a mortgage recast beginning in XX/XX/XXXX that resulted in a 60-day non-payment of my monthly mortgage that damaged my credit report. He explained late payment was part of the standard process. Due to multiple delays and lack of responses from XXXX, I ended up still paying the monthly mortgage twice, but it was paid for future months ( currently I am paid up until XX/XX/XXXX ). I repeatedly asked XXXX why I had a late payment notification and he told me to disregard it. I see now my XXXX XXXX has dropped from XXXX to XXXX.
All of this is documented in the attached email exchange. Please see attached XXXX screenshot showing XXXX XXXX late payments. Please take note of XXXX 's extreme lack of follow up, and 2+ week delayed responses.
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| 03/23/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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We made the regular monthly payment in excess of the loan payoff online on XX/XX/2023. The funds were removed from our account on XX/XX/2023. BSI Financial has not applied the funds to our account as of XX/XX/2023, and is refusing to apply said funds. We called and spoke with a representative, that informed us that they will NOT apply our funds to the balance owed, and that we must submit a payoff request, and pay by Certified Check or Wire Transfer. Both of these methods will cause us to be subjected to additional costs, and in the case of a wire transfer, those are over half of the outstanding balance. As they accepted this payment, we do not have the additional funds to send at this time.
Our account is now accruing late fees, as they have held our funds for over 2 weeks without applying them to the loan.
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| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hi, I have current mortgage with BSI Financial, and when I check status on my payment on the BSI Financial for month of XXXX. It's shows that I have not make the payment and it's passed due. When I see from my online bank that BSI Financial did cashed a check on XX/XX/2022 so I don't understand how BSI Financial stated that they received this XXXX payment. Plus I'm there no one picking up phone from customer service of BSI Financial. I have left two message, and so far I have not received any phone call back from the BSI Financial. I'm really annoyed with BSI Financial in sense how they operate business and how US government let this type mortgage company tolerate with business practice that they are using with consumer. US government to step in and look over each consumer complaint with this mortgage lenders.
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| 10/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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we had a modification with XXXX XXXX when BSI bought loan did not take it over. tried get me sign new paperwork then put me in foreclose do to not signing. I called several time with no call back. putting over XXXX XXXX in escrow and charging me late fees. I ask several time why the XXXX was not the same just would tell me to sign paperwork send back. they never even called old mortgage company for XXXX. i have not been perfect in the past yrs with older mortgage company 's do to a string of family health problems and bills but did not miss one payment when XXXX XXXX put me on XXXX. all I want to do is to down size my house and move. I like to fix few things in house try sell it for top dollar so BSI get their money maybe I walk away with something. but I would have to be out of foreclose to be able move on.
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| 10/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Because of bsi financial at this time my home owners insurance policy has lapsed. I pay my mortgage payment on time every month, including escrow. They are incompetent and say they couldn't figure out how to pay my insurance ( even though i have had had multiple other mortgage companies in tge last 10 years and they figured it out just fine ) and because of this my policy has lapsed. I was never contacted once during this time as i could have easily resolved this. The only thing I received was a letter stating this after my policy had lapsed. Now with the quotes I have received so far I am out of pocket more money each month and they are unwilling to take any responsibility or make this right. Their only answer was to find another policy regardless of price by XX/XX/XXXX or they will purchase a policy for me.
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| 09/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The customer service at BSI has refused to correct my account and instead continues to charge late payments.
BSI took my payment REFUSED to apply it to a mortgage payment and instead left it in unapplied. BSI continued to charge late fee after late fee. I continued to pay more and more while the money sat in unapplied. When my complaint was filed they decided to make it a principle payment to cover the error again. I sent more money and a letter to the president of the bank to fix the problem and correct my account and bring it up to date in the beginning of XXXX.
I DO NOT want a principle ONLY Payment I want my account brought UP TO DATE with NO LATE FEES. I have called, I have written and the bank is still stealing from my account late fees, and NOT allocating the principle only to the correct payment.
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| 09/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI refuses to send me the loan payoff that was used to payoff this mortgage. I want to insure that they sent the correct escrow refund. I have called emailed and called twice over the past 3 weeks. On XX/XX/2020 when I called they kept me on hold for 30 minutes then an automated message said they have so many calls that they can't answer and to leave my phone number and they will call back. That was 29 hours ago and they haven ' called back. I refinanced this mortgage so we would no longer have to deal with this loan servicing company and this is the last thing I want from them. Also, they do not have a real-time system so if something changes on your account you can't verify it without calling them and their wait times are unacceptable long. This was before COVID-19 so they can't use that as an excuse.
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| 05/31/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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My mortgage company is BSI Financial. I had signed up for forbearance initially when COVID started and my wife lost her job. After 6 months of the forbearance plan I have called over and over again to get it resolved and start paying again ; I have only spoken with 1 point of contact that said underwriting was still doing the loan modification and not to worry. I have still called multiple times a month and we now received a letter from mortgage company that they are going to foreclose on the home. I have a point of contact extension that everytime I call goes to XXXX.
I call customer service and they say they cant help and transfer me to point of contact which goes to XXXX. I have been able to make mortgage payments at the end of the 6 months but it is now 533+ days delinquent with no one to help me.
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| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We refinanced our mortgage and it was transferred to BSI Financial. BSI has for 3 months failed to add in our payee escrow information for both our property tax and property insurance. We have been current with our payments and the company required an escrow account ( which has the necessary funds in it ). We have received no communication of escrow payee concerns nor do we have the ability to add the payees ourselves. I was just assessed interest on my property tax quarterly payment and it is unclear if my next quarterly payment will be paid via the escrow account or by myself. In order to avoid further penalties from my town, I had to pay the overdue notice from my checking account even though the necessary funds are in my escrow account. I emailed the company earlier today asking for clarification.
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| 05/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I got my mortgage through my credit union in XX/XX/XXXX ; it was serviced through XXXX XXXX XXXX until XX/XX/XXXX when it was transferred to BSI Financial Services.
In XX/XX/XXXX, I received notice that my monthly escrow payment would increase from {$670.00} to {$920.00} a month. I called to get clarification and after many calls and attempts at getting someone to talk with me about the increase, I was told that it is because my taxes increased. Yes, I know they did, but they did not increase by {$3000.00}.
BSI does not allow you to talk directly with the escrow manager/accountant. There are no phone numbers listed other than the XXXX #. The company has insulated itself from any contact with their clients. The clients who are also their customers who they need in order to maintain their company.
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| 12/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial has three times in one year lost my mortgage payment. This forced me to make an emergency online payment to avoid late fees. Subsequently, my first check was cashed by BSI, just a few days after the deadline. Although that then covered the NEXT month, its not easy to suddenly come up with XXXX of dollars in my monthly cash flow because of someone else 's incompetence. This happened in XXXX, XXXX and XXXX of 2022. ( It is reflected in the online records of my account at BSI ) Either they are incompetent or trying to squeeze people for fees. I get paid on the last day of the month ; I mail my mortgage on the next day - like clockwork. If a company offers pay by mail, they need to competently process mail. I have not had this issue in 30 years with any other mortgage company or utility.
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| 07/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I'm unsure this is the proper location to submit my complaint.
BSI Financial is the primary lender on our residential property XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX. They've held onto funds for an insurance claim we've had since XX/XX/2022. We can not get them to release funds despite their final inspection being complete, us jumping through the hoops only to find there's something incorrect. There's little to no communication from them. Our contact never answers. Her line is always full. The phone center won't release alot of information and yet their website says docs are rejected but doesn't show what is rejected.
We have put out over {$50000.00} and they have receipts, releases, etc and a complete inspection. We need the funds as we are paying out on our credit cards XXXX % in interest.
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| 08/04/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I applied for and was approved for Mortgage Assistance in XX/XX/2021 and BSI Financial Services, my mortgage owner refuses to supply the housing assistance / Human Services agency with a correctly completed and signed W-9 for funds to be released. The program requires a W-9 to be able to release funds and that has been explained over the phone and in writing. The case worker with the XXXX of XXXX has supported me and also contacted BSI Financial Services several times to request the W-9. Its now XXXX and they continue to ignore my requests and have sent an outdated and incomplete digital PDF listing themselves, BSI Financial Services, as the requester which we have explained is incorrect. I can not afford an attorney and no longer trust my phone call and written attempts as a paying customer.
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| 08/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial failed to pay my property taxes from my Escrow account resulting in {$190.00} in late fees from XXXX XXXX. I had to submit the payment personally to XXXX XXXX even though I have an escrow account that is supposed to take care of Taxes and Insurance payments. Also my Home Owners Insurance has repeatedly submitted to BSI financial the Insurance Declaration Page and BSI Financial keeps on loosing it. I had to call XXXX XXXX and tell them to submit the Declaration page again. BSI Financial is an incompetent and costly institution that blames it's incompetency 's to its customers. I want my {$190.00} refunded. I've called BSI numerous times regarding this issue and they keep on avoiding me. I want to be removed from BSI financial and move to a different Mortgage processing company.
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| 04/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Payoff of mortgage provided by bsi on XXXX I paid off the mortgage on XX/XX/2021 to avoid foreclosure. Was told by employee which is included in supporting document that the payoff was short by XXXX. Due to home going all the way into foreclosure. That this number was not included in the payoff.
Why would I reinstate a loan that is being paid off! I am fine with paying the XXXX due to the home going into foreclosure to pay for your attorneys even though and because your company provided an internal document that showed XXXX. The document attached is not an internal document and it says XXXX Now you are telling me the loan payoff is over XXXX. How does that happen! This loan should have never been reinstated Please review documents from your employee and payoff provided by your company.
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| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. BSI is the people that sent the negative credit report.
1. BSI Financial Services 2. XXXX XXXX XXXX 3. XXXX XXXX I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all.
Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again bsi financial is the company that reported it I havent really getting much help on this from none of the companies
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| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Private mortgage insurance (PMI)
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Web |
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I have sent in money for my deposit to get appraisal done to get my PMI removed. They never notified me when the money arrived, it had been two weeks. As per their own PMI removal sheet, since I have been in my home for over two years, I do not need improvements done to the home, and can get an appraisal done and if I am 75 % LTV or less then I can get my PMI removed. They are requesting a list of improvements ( which they never notified me about, I found out they want that list when I called them ) even though their own form says it is not required if I have had the mortgage for two years.
I can't ever talk to anyone that can actually help me. I called them today XX/XX/XXXX again and the lady said " the PMI department does not take calls ''.
Company is BSI Financial Services.
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| 07/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been having struggling to make my mortgage payments. So I applied for the Homeowners assistance Fund called ( Save the Dream Ohio ). I applied on XXXX. My application was approved by the state HAF program on XXXX. The state has been waiting for my loan servicer to reply so that they can assist with funding my loan. I have called my loan servicer BSI several times only to be transferred to a voicemail of my lead representative that never calls me. I have sent correspondence emails to my lead representative XXXX XXXX and to the customer service team via email. I emailed my letters of income eligibility approval provided by my states HAF program. It is now XX/XX/2022 and I still have not heard anything nor has my state HAFs program received a reply back from my loan servicer.
|
| 06/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My account is with BSI FINANCIAL # XXXX I have been having ongoing problems with them trying to increase my payment in multiple ways.
I recently noticed that they added a coded charge to my account I called BSI to inquire about the charge and they explained that the charge was placed because I needed an additional XXXX coverage on my Flood Insurance policy.
My current coverage through my insurance company is XXXX which I carried on my loan before BSI bought the loan of XXXX my balance is now XXXX I also have concerns about about their interest charges are higher than the corresponding values on the balance on the loan according to the amortization table I will be happy to provide you any required information Thank You XXXX XXXX XXXX XXXX XXXX XXXX Court XXXX XXXXXXXX XXXX XXXX
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| 09/01/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XXXX XXXX bought my loan and my first payment was to be in XXXX. They reported two late payments in a row to all three credit agencies and one of them was even for XXXX. When I initially disputed this and said it was paid they refused to fix it. It took almost two months. There was only one late payment at first then they added another one during the process. They eventually took it off but massive damage has been done to credit that can not be reversed. My XXXX card was closed when Im in the midddle of remolding my house, other cards lowered my credit limit. My score dropped over 100 points even after they fixed it its still almost down 100 points from there negligence. Now I cant get Heloc, a refinance, or a new card to help cover the cost of the massive repairs of this house.
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| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2022 I submitted a written request to the mortgage servicer providing them a copy of my tax bill for the property taxes. I also asked for the following : I received the first tax bill for my home today, which was new construction. I believe it needs to be paid from the escrow account. Please find it attached.
Also, it seems the escrow account is overestimated by 38 % per month since it was estimated given that the house was new construction. I believe that I am due a refund, in addition to needing the monthly escrow amount reduced by 38 %. How do I request an escrow analysis be performed?
I followed up this request several weeks later after no response was received and was told that I would receive a response by XX/XX/XXXX. I received no responses from the company.
|
| 08/15/2022 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
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Web |
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My mortgage was sold to bsi back in XXXX from XXXX XXXX XXXX. I was previously on a deferred program with the company and opted to start back making payments once I did that my loan was sold. I mention all of that to say the new company BSI is listing my loan with them as deferred and my payments from XXXX - XXXX are not being reflected on my credit report. I reached out to the company several times with no results. I am currently trying to refinance but due to the incorrect information BSI is reporting I am gaving issues doing so. My previous deferral with XXXX XXXX XXXX does not carry over to BSI. Please remove the deferral listing you all have reporting on my credit report and please update my payment history so that it can reflect the payments made from XXXX to current
|
| 08/08/2023 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
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My mortgage loan was either bought or sold to BSI Financial Services from XXXX XXXX.
From the time BSI obtained my mortgage it was just one nightmare after another, BSI is the worst company I have ever dealt with. I have called and complained about the inconsistency I am getting about my accurate monthly mortgage payment. I contacted BSI on XXXX XXXX and XXXX and each time I called I was given a different mortgage payment amount for XXXX BSI is now stating that I owe {$320.00} in late fees from XXXX XXXXXXXX which does not make any sense to me. My mortgage is current and up to date. This company absolutely does not care about its customers. An investigation into this company 's financial practices is definitely warranted.
Thanks for your assistance in this matter.
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| 12/15/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My previous complaint on this company was closed when you received their response. BSI Financial lied in their response letter. They have not paid the hazard insurance. I have provided a screen shot of the mortgage activity dated today. As you can see, BSI paid the county tax and city tax. No payment has been issued for the hazard insurance although I have sent them the bill twice. The hazard insurance is due on Friday, XX/XX/XXXX. At this point, I'm forced to pay the premium out of pocket to insurance the coverage does not lapse. This is unacceptable as this VA loan has an escrow account and BSI is not properly managing same by paying the bills on time. If I had not filed the previous CFPB complaint,, I'm convinced they also would not have paid the taxes on time.
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| 03/02/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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For the last three months I have tried to put in a loss mitigation application with BSI Financial. The first time I sent in mail correspondence on XX/XX/XXXX to the exact address that they told me to send it too and a month later it came back to me. I then sent an email with everything I sent them to there loss mitigation team on XXXX. I have now been in email communication with them since.They keep telling me I need to turn in documents that I have already turned in I totally, and on XX/XX/XXXX and XX/XX/XXXX I am at a loss. They have told me that until I get these forms turned in that my application wont be filed. They also sent a letter saying if I dont pay by the XXXX they will go into foreclosure proceedings but I cant even get them to file the application.
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| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
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|
Web |
Older American |
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On XX/XX/XXXX my mortgage is paid in full, I tried to get in touch numerous times with BSI Financial service these are the people that holds my mortgage Either I waited on the telephone for at least 30 minutes or more, or we will lose connection. I did not get any information or letters stating that my mortgage was paid in full until I started calling BSI customer service every day after my mortgage was paid off in full.Then some of the response letters that I receive had misinformation.I see that BSI financial service had A settlement with consumers financial protection bureau in the past. I read the settlement and with my experience With BSI financial service, the practices that was stated as a complaint in settlement is continuing with BSI Financial service
|
| 07/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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My mortgage was serviced by XXXX, in XXXX they refused my payment citing the previous months were not paid. I went to my bank got the statements and presented to XXXX, it was not corrected and they returned my subsequent payments and advised end my property was in foreclosure. I called their attorney and presented the documents and was asked to send it again. I made numerous attempts to get this resolved to no solution. My mortgage was transferred to BSI, made several attempts to resolve the issues to no avail. Finally after exhausting attempts it got partially resolved. The reported derogatory reports on my credit report and even though I provided all the necessary proofs. My mortgage is paid off and BSI refused to correct my account and refund my payments.
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| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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I have contacted BSI Financial services dozens of times over the past three months to pay my property tax bill and correct the amount they have listed and they have continually refused to do so.
Every attempt to contact customer service has been contentious, unprofessional, and unhelpful. It doesnt even feel like a legitimate organization as they dont send any confirmations or confirm any updates to your account. They are refusing to process my property tax payment until the due date and they will overpay by roughly {$600.00} because they have the wrong amount.
When asked where they got their dollar amount from, they stated the postal service. Ive provided my tax bill and they continue ignoring my requests to process my payment and update the amount.
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| 06/18/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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BSI Stole from escrow {$1000.00} additional dollars claiming to pay PMI. BSI has been notified multiple times of the stolen money from my escrow. They paid PMI {$300.00} for the months of XXXX, XXXX, XXXX, XXXX, and XXXX for a total of {$1500.00} when it should have been {$510.00}. BSI has refunded my account XXXX and {$510.00}. My escrow account is owed an additional {$200.00} that has been STOLEN by BSI and they are now trying to collect from me. When you charge someone three times the amount they owe you MUST return the two times that did not belong to you. BSI refuses to return my full amount and have stolen the money. I want my FULL escrow refund of {$1000.00}. This is the third time I have filed this complaint when will something actually be done?
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| 02/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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I need a payoff letter from BSI Financial stating that my loan is for two properties. They claim that one of the properties is the main loan so they only put the that property on there. The problem with that is I want to refinance this loan so I don't have to deal BSI Financial anymore and the the problems I have had with escrow, insurance not being paid, a website that only updates once a month, and confusing statements.
My loan documents state this is a loan for the two properties so common sense says the loan payoff should include both properties, otherwise the new mortgage company can't do a loan if it appears only 1 of the properties is being paid off.
I believe they are doing this so I can't payoff of the loan and they can continue servicing it.
|
| 10/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
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Web |
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On XX/XX/XXXX sent a letter to BSI Financial to remove my escrow and refund my money. They denied this and said my loan had not seasoned for 24 months. Therefore, I requested they just do my escrow analysis now because my insurance in XXXX was {$2200.00} less than last year. Leaving an overage in my escrow account for the insurance also I am paying {$200.00} a month too much now. I called them on XXXX and spoke to XXXX and he said it would be done the end of the month. Then I called XXXX and spoke with XXXX she said it was not done and she could request it. I then spoke to the manager XXXX, he declined to do it at all said I have to wait unit XX/XX/XXXX. This is a crime to keep my money which is an overpayment. I am hoping you can help in this matter.
|
| 02/17/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
XX/XX/XXXX we got help from XXXX XXXX XXXX they sent our mortgage company {$35000.00} and a XXXX loan to catch up our arrearage and the rest was applied to the principal which brought our payoff to XXXX. Then our mortgage got sold to a different debit collector. We sold this place in XXXX XXXX XXXX and for some reason our payoff after 7 years of payments it was still at XXXX where did our payments of 7years go to. This loan switched hands at least 6 times before we sold it. I feel that the payoff on XXXX XXXX was wrong. We had also with the XXXX had a deferred amount that was to be paid at payoff was added to our balance a least 3 times the amount was {$8200.00}. I am hoping that you can look into this matter so no one else feels used like we do.
|
| 03/29/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
BSI financial had purchased my mortgage from XXXX a few years ago. They were saying that my loan was delinquent when they purchased my loan. It was Not delinquent! For years they kept harassing me for past due payments! In XX/XX/XXXX they destroyed my check which now made it look like I was three payments behind so they could start the foreclosure process! They had sent me a letter in XX/XX/XXXX stating my home is in foreclosure and would not accept any further payments. I had already sent in XXXX payment before I received their letter. Even after they said they would not accept payment from me, they proceeded to cash XX/XX/XXXX payment! Now I have the XXXX wanting to come after me for defaulting on a loan that I am NOT delinquent with!
|
| 12/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Annual Escrow Account Disclosure Statement has a material error - the estimated property tax for XXXX is double what it should be ( from $ XXXX in XXXX to $ XXXX in XXXX ), resulting in an error in my new payment effective XX/XX/XXXX. I have called four times over the last month and each time the customer service representative quickly recognizes the error, escalates the issue, and promises that it will be corrected and that someone will follow up with me. I have yet to receive any follow ups or notices of correction. This is my third CFPB complaint submitted against BSI Financial Services since my mortgage was transferred to them XXXX year ago. Apparently, submitting CFPB complaints is the only way to actually get them to do anything.
|
| 10/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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I recently refinanced my home loan. The old mortgage company that had the escrow was BSI Financial Services. I had to establish a new escrow when we did the refinance and I was told that BSI would refund me the current escrow within 3 weeks. I checked the law and they have 20 days to do that. They have not refunded me the money which is over $ XXXX. I have contacted them multiple times. They only responded the first time saying they were processing the request and sent no information on timeline or anything. Since then they haven't responded at all to my requests. At this point they have held my money for over the legal 20 day period without returning it to me and I need government assistance in forcing them to comply with the law.
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| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my mortgage with XXXX XXXX on XX/XX/2022. I paid {$2100.00} into my escrow account at closing. I made my first mortgage payment to XXXX XXXX on XX/XX/2022 which included my {$470.00} escrow payment. XXXX XXXX subsequently sold my Mortgage to BSI Financial. XXXX has told me they sent my {$2600.00} escrow balance to BSI Financial effective XX/XX/2022. BSI Financial has told me they only received {$2100.00} for my escrow account and refused to look into my missing {$470.00}. They told me to contact XXXX and provided no assistance. XXXX said they would investigate the issue, but I believe it should be on the loan servicer to make sure the loan is being serviced properly and to investigate issues I bring up to them.
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| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I have an inaccurate 30 day late from an old Mortgage account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA ) currently being reported on my credit. The account is paid/closed from XXXX with BSI Financial . This error has been reported by only XXXX as recent as XX/XX/XXXX.
I've contacted both the creditor ( BSI Financial ) and the credit bureau ( XXXX ) about this discrepancy. Both have been non responsive to my request to correct the error on my credit.
BSI requested a copy of my credit report which I sent them on XX/XX/XXXX.
I've also disputed this error with XXXX because of all 3 bureaus they're the only bureau reporting this error as recent as XXXX.
As I stated before this account has been paid and closed since XXXX.
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| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had 5 loans with a company, all 5 were purchased in XXXX by another company.
One new loan I have access to online and am able to pay this one loan only.
The other 4 I have not paid. I have sent numerous emails to cutomer care asking to add the other 4 loans to my account. I have spoke with a live person, I have sent emails several times within by login account. I have sent them ACH forms for the 4 loans, After all of this I have gotten no response from them. I have not been able to pay XXXX, XXXX & XXXX payments.
I have sent emails to BSI Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I haven't kept track of the phone contact or the emails I've sent withing my BSI login.
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| 04/01/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I became the link one up on my account number XXXX with BSI financial as a servicer. In contacting them in mid-XXXX I was advised to pay {$3400.00}. when I become free confirm this number days before the same representative then told me they wanted now {$3700.00}. I was told to pay by XX/XX/XXXX XXXX XXXX.. I have continually tried to reach out to them to make a payment with no success. Finally reach the representative XXXX XXXX by email and now he's demanding more money. He is acted unprofessionally and threatened to take our property in a matter of months. He is threatened lawsuits and that he could still proceed with any legal action against us irrelevant of the status of the environment in New York state right now.
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| 03/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX I received a letter from BSI Financial Service stating that I owed {$12000.00}. I paid, not knowing what that payment was for.
When I logged in on XXXX to pay my XXXX mortgage, I again saw that I owed XXXX again..
I checked my payment history and saw that I paid XXXX on XX/XX/XXXX Under Recent Transaction Activity, XX/XX/XXXX {$120.00} payment was made and is listed as " Cash Receipt. '' ( note I don ; 't know what that means ) I called BSI at XXXX XXXX PST Monday, XX/XX/XXXX, and Tuesday, XX/XX/XXXX, to find out what this additional {$120.00} payment is for.
I got a recording of your wait time is over 10 mins. Each day I waited 20 mins then Click 1 for a callback But received no call back on either day.
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| 05/25/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since XX/XX/XXXX, BSI Financial Services received mortgage reinstatement payments and regular monthly payments they have failed to post to my mortgage account.
Since XXXX XXXX assumed my mortgage note in XXXX, XXXX operate my 30 year fixed mortgage as an XXXX XXXX ; with negative amortization.
XXXX XXXX is unjustifyably charging me for questionable fees ; including late fees.
BSI Financial Services has blocked me from refinancing my home mortgage loan for lower interest rates as they have reported my account as deliquent and stated I was disputing the account.
I have attached a letter of concern and supporting documents for your review and appreciate your assistance in restoring my mortgage account with BSI.
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| 10/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Company has not paid our property taxes from our escrow account. There are now penalties and itnwrest added. Calls are always put on hold due to high volume. Callbacks aren't always received when requested. No response through the online messaging system.
When we finally got in touch, the representative told us to email a copy of the tax bill. The phone call was difficult to hear as the representative 's voiced echoed the whole time.We were sure to include all pertinent information in our email, and have not received a response ( not even a confirmation of receipt ).
A week later and we are trying to call again to no avail. If the bill is not paid in the next four days, more penalties and interest will apply.
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| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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It came to my attention that my mortgage loan servicer ( BSI Financial Services ) failed to pay the real estate taxes when they were due at the end of 2020. I received a notice from my local tax authority ( on XX/XX/XXXX or XXXX ) informing me of the delinquency, at which point I immediately called and reported the issue to BSI Financial Services. They looked at the records and confirmed that the money for real estate taxes was never disbursed from the escrow account. They claimed they would resolve the issue. I have called BSI Financial Services every week to check on the progress, but after nearly a month of informing BSI Financial Services of the issue, they have failed to pay the overdue real estate taxes.
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| 04/22/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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My mortgage was sold to a new loan servicer called BSI Financial Services. The loan is a portfolio loan consisting of 7 properties. BSI Financial has only paid taxes on 1 out of the 7 properties using my escrow account. I have been following up with them since XXXX. It is now XX/XX/XXXX, and my taxes are still not paid. There are plenty of funds in my escrow account to cover the taxes. Also, there is now a 10 % penalty that needs to be paid due to the lateness. I am afraid there will be a tax lien on my houses. What is the purpose of having an impound account open with them if they are not paying anything out of it? I tell them to close my impound account, so I can pay the taxes myself. They say they can't.
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| 11/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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|
Web |
Servicemember |
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XXXX. Our mortgage lender has been holding {$1800.00} monthly for escrow since XX/XX/2023, when our actual taxes are {$800.00} bi-annually. We notified them that their computation is wrong as it was an annual estimate from the loan processor who originated the loan but they have refused to adjust siting that they only adjust one annually which means we have to wait 12 months for them to correct the mistake.
XXXX. They are violating RESPA, regulations which places a limit of XXXX XXXX of the annual amount.
XXXX. They are causing in-due hardship on us even though we have told them of their mistake, they still refuse to assist their own customer.
XXXX. I can provide all the necessary documents as proof.
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| 08/26/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was in forbearance from XX/XX/XXXX to XXXX XXXX XXXX due to pandemic. Since then I have not missed a payment. I contacted my mortgage company BSI Financial about a stand alone partial claim. They did not contact me back until XX/XX/XXXX. They gave me 2 new loan options and I chose one. It said my new loan would start on XX/XX/XXXX and when I recieved my statement nothing had changed. When I contacted the person in charge of my account they said the new loan would now start on XX/XX/XXXX. When I go online to look at my account information it says I can't view because my payments are overdue and is unable for viewing. Don't believe my new loan will start on XX/XX/XXXX and need help getting this rectified.
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| 09/22/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I received the " updated documents '' pertaining to my loan that BSI states are correct.
1. The Partial claim mortgage that I was told to sign and if I did not that my house would go into foreclosure do not match what they are claiming that they have updated.
2. The amount on the partial claim is {$28000.00}, and the amount on the mortgage statement shoes {$30000.00} a difference of {$2000.00} 3. I made payments of a total of {$4200.00} which do not show applied 4. I simply need what I was promised resolved back to November of 2021.
I was promised a 3 % interest rate and my payments would be XXXX XXXX. When I have made attempts to call or email no one responds at this company.
Please Advise XXXX XXXX
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| 08/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Paying off the loan
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Web |
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I have attempted to receive the payoff of the loan XXXX XXXXXXXX multiple times. The last one I received was past the time frame I needed. It is stated that its a 3-5 business day turn around and that has never been the case.
I have XX/XX/XXXX and XX/XX/XXXX requested for the payoff of the loan XXXX XXXXXXXX total and the payoff for each individual properties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently the property at XXXX XXXX is in escrow to sale and the payoff is needed as soon as possible to meet the close date of the sale.
I would need these payoff through XX/XX/XXXX.
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| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
|
I am making additional principle payments to my account and BSI financial services continues to apply them towards future payments in lieu of reducing the principle of the loan.
I made the following payments that were not applied correctly : XX/XX/2021 I made a {$1600.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$1000.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$50000.00} payment that was not applied towards principle on that date
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| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
|
I spoke with a customer representative on XX/XX/2022 to have my pmi removed because I reached below 78 % of my original value and she informed me that it will be removed at 75 %. I told her that is incorrect and finally she said that she will submit a request for them to remove it after I kept asking her from the beginning if she could submit the request and she said it would take 3-5 business days then she hung up on me. On XX/XX/XXXX, I called back to check the status and another customer service representative told me that it would take 30 days. The pmi should've been removed automatically once i reached below 78 % according to previous letters that were sent to me from BSI Financial.
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| 06/05/2022 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
BSI Financial bought my mortgage from XXXX XXXXXXXX during a loan modification in XXXX. I was told that my 1st payment to BSI was not due until XXXX. I was told that it could take 30 to 60 days for BSI Financials system to catch up and report everything properly. I was told that during this time that nothing would be reported to the credit bureaus. On XX/XX/XXXX. XXXX reported me as being 120+ days late. I am now being ignored by BSI and have even reached out to the customer care team and spoke with the office of the president. I was told that I would receive a call back within 48 hours.That call should have happened on Friday the XXXX of XXXX. I have made all the proper payments to BSI.
|
| 07/12/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
It is a straight forward situation. I was contacted by a collection agency that services my account that they were going to put lender placed home owners insurance on my property. This increased my monthly payments 3x the normal amount.My property is a vacant lot with no structures in the middle of a wooded area with no homes close. My insurance agent acquired vacant land insurance for my lot. Both myself and insurance agent sent them evidence of insurance for months which they didn't even acknowledge until recently when my lawyer became involved. They are not communicating effectively with my attorney.This is malicious skulduggery intended only to increase the collection agency profits.
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| 04/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My XX/XX/2022 payment was sent by my bank, XXXX XXXX on XXXX. BSI did not process it until XXXX and then assessed a late fee to my account, the grace period ends XXXX. After speaking with BSI 's customer service representative, they acknowledged that the problem was internal with BSI and the fee would be removed. I can again provide proof payment was sent with ample time to avoid any late fee if necessary. Additionally, there is no simple way to communicate with them. The only way to email is to use a link on their website that does not provide proof the email was even sent, and they have never responded to the multiple emails I have sent. Phone calls are meet with hours of hold time.
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| 03/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Servis One, Inc. d/b/a BSI Financial Services has issued a letter to me fraudulently claiming that my mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX on XX/XX/2021. I have confirmed with XXXX XXXX XXXX that they currently hold my mortgage ( as of XX/XX/2021 ) and the servicer is XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. The loan has not been assigned to XXXX XXXX and the servicer is not BSI Financial Services. BSI Financial Services provided a contact address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX and requested that all payments be remitted to this address. The letter failed to reference my loan number or the amount to remit, and only included the information
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| 08/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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The payment I made on XXXX first was not logged as a payment, and not applied to my loan balance. It was applied as cash receipt and categorized as unapplied. This allowed undue interest to accrue and falsely categorized my account as past due.
The company demanded an additional full payment that I did not owe to " bring my account back into balance, '' despite the fact I set up autopay to pay half the payment every two weeks.
I paid the additional money, but none of the money I have ever paid has been applied to my loan balance, either principal or interest. BSI Financial is lying to collect money and has never reflected that my loan balance has decreased with these payments.
|
| 06/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have made my payment on the XXXX XXXX XXXX XXXX I make my payments every two weeks. On the website it says as on today XX/XX/2023 I am 8 days late. I have contacted them yesterday or the day before saying I have paid on time and to fix it. They haven't replied to me nor have they fixed the issue. Every time I log in, the make a payment pops up. This is the 3rd time I am having issues with them. Last time was kinda fixed, but made me pay a fee ( late or reverse ) when it was their fault. Auto payment was on the first and they took the money out before. They said I changed the dated to the XXXX ( this was after the XXXX ), but that was because the auto pay was before the XXXX.
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
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I, XXXX XXXX, had an insurance claim for damages to my car garage that was hit by motorist at XXXX XXXX XXXX, XXXX MD XXXX. XXXX XXXX issued check, but stated the check must go to my mortgage company for verification, and then they would release payment to the vendor/contractor for repairs. My mortgage company BSI was issued a check for my repairs from XXXX. The mortgage company cashed out the check, from XXXX XXXX company, but never paid out the BSI Financial never paid for the damages I incurred. I since them paid for all the repairs myself out of pocket, and the mortgage company owes me {$6200.00} Please see attached check when I received it and sent it to BSI for payment.
|
| 05/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American, Servicemember |
|
I changed financial servicing companies as BSI Financial Services lousy service was an issue i moved my account for my home to another institution, my BSI loan was paid in full and confirmed.
Yet BSI has and is withholding mu refunds as they have again and again overcharged me now owing me over {$620.00} i asked when and why they are holding MY MONEY, the answer was " Yes he got the wired funds and they cleared the banks, but BSI has a " Reputation '' of keeping large sums of monies from people like your self to make more on % until we are forced to refund funds to those we owe '' I find this reprehensible, illegal and demand my over-payment funds be returned to me ASAP
|
| 06/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage with XXXX XXXX was transferred to BSI Financial Services. BSI 's website has no email for customer service. Their phone number puts you on hold and if you are on hold for more than 10 minutes, they force you to leave a voice-mail and then disconnect your call. I have been trying for several days to get in touch with them and it is impossible to speak to anyone to make my mortgage payment. In searching online, this company has disregarded people 's attempts to contact them to the point of penalties and foreclosure. There are nothing but complaints for this company. I have already contacted XXXX XXXX to tell them to never sell off a debt to this company again.
|
| 12/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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We have been trying to get BSI to pay our delinquent taxes since XX/XX/XXXX. They were given over XXXX at the time of closing in XX/XX/XXXX but failed to pay property taxes. We have repeatedly tried to get them to pay our taxes and they will not respond with a full accounting. To date they have collected well over XXXX in escrow but now we are getting late payment notices on our insurance too. They refuse to return our funds so we can bring them current yet they are raising our escrow. We dont owe the amount they are making us pay each month and yet they dont pay us interest and they wont pay our bills or return our calls. This is ruining our perfect credit scores too.
|
| 04/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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I refinanced a mortgage held by BSI Financial Services. My loan escrow company requested a payoff statement on XX/XX/2020 from BSI but the payoff department did not respond until XX/XX/2020. The payoff statement sent was not accurate as it did not consider a XX/XX/2020 payment I made which was posted to my account and available to the payoff department prior to sending the inaccurate statement to escrow. A corrected payoff statement was immediately requested by telephone but was not received until XX/XX/2020. The delay resulted in my having to pay an additional amount of interest to BSI than I should have. In addition, a fee for extending the loan process was charged.
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dear XXXX, Attached please find Response letter from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX
We have been advised that XXXX XXXX transferred servicing of account # XXXX to BSI Financial Services who sent the attached IRS Form 1099A.
It appears that per the attached XXXX Loan Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
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| 02/13/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage servicer changed from XXXX to BSI Mortgage. I was making my mortgage payments to XXXX mortgage and the mortgage was current. Servicer changed to BSI Mortgage.Mortgage payments that XXXX retained in their possession for XXXX and XXXX and was never forwarded from XXXX to BSI. I have spoken with XXXX and BSI several times on this matter. BSI states they never received my mortgage payments from XXXX. BSI is charging inspection fees and interest for payments that I have already paid. The fees are excessive and is causing my mortgage to go in default. I have spoken with BSI several times and emailed them copies of my bank statements reflecting the payments.
|
| 05/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
BSI Financial has refused to remove XXXX XXXX XXXX from my account.
I submitted an official appraisal report on XX/XX/2021 indicating that the market value of the property had increased to {$610000.00} - meaning my equity had surpassed the 20 % threshold.
I was told that XXXX would be removed within 30 days of submitting the official report/appraisal.
I have contacted the company via phone, email, and messaging system at least 3 times since to follow up and have the XXXX removed and associated charges refunded.
They have never responded and the customer service associates are unwilling to connect me with the underwriting team directly to sort this out.
|
| 07/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was a client of XXXX XXXX for months and had the COVID 19 forebearnce. I was told over and over that my loan was allowed to move all payments to the end of the COVID 19 forebearance.
My loan was sold to BSI Financial Services in XX/XX/2021. All of a sudden, when my forebearance ends, I am told that I can not have the payments added to the end of the loan. I am being told that I can only apply for a loan modification. Repayment plan. Also COVID 19 is a government program. My loan terms and agreement should not change at all just because the loan was sold.
This representative is telling me that BSI does not offer this option. That only XXXX XXXX offered this.
|
| 05/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my house on Monday, XX/XX/XXXX. I called BSI Financial Services on XX/XX/XXXX to make sure they didn't charge me my XXXX payment since they are no longer my lender. I waited on hold and they forced me to leave a voicemail. I gave my loan number, contact number, and explained I wanted to make sure I was not charged. They said they would return my call in a day. I called XXXX, XX/XX/XXXX and left another message with no return call. Yesterday, XX/XX/XXXX I emailed BSI on their portal and explained they were no longer my lender and I was revoking their access to my ACH checking account. Today, BSI Financial withdrew {$1000.00} from my checking account.
|
| 05/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sent the payment in XXXX to my mortgage company and paid additional money which was clearly stated to go toward the principal but my mortgage company used the additional payment towards my next month 's bill and applied the remaining balance from the additional payment to the principle. when I called the company and told them about the mistake that they have made. they first didn't agree with me but the second agent finally saw the mistake and assured me that we will fix the issue. It's been 2 months and they still have not fixed the issue and asked me to pay for additional payment. If my mortgage company did not fix this issue I will loose XXXX XXXX dollars.
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We purchased a home on XX/XX/2023 and made our first payment due XX/XX/2023 to XXXXXXXX XXXX ( check sent on XX/XX/2023 & receipt of XXXX payment sent to us ) as our loan transferring process was delayed.
XXXX has 60 days to transfer the collected funds to the servicing Mortgage Company, BSI Financial, which was delayed.
We have been advised that after purchasing a home we can not get flagged for late payments for the first 60 days due to possible mortgage transfers that can take place.
We have both been flagged by the credit bureaus for late payment of 30 days from BSI Financial although the original payment was submitted and received in a timely matter.
|
| 10/27/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was in forbearance last year, XX/XX/2022, Georgia mortgage assistance fund paid my mortgage, taxes, escrow, principal, and interest. Also 3 additional months where covered. So my {$1700.00}, mortgage statement says NOW my mortgage is {$2700.00}, which is {$1000.00} more per month! BSI financial services also said I now owe {$9000.00}, back escrow, when a government program caught me up and my balance is {$0.00}, also just found out that BSI, didn't pay for my house insurance and I now don't have insurance on my home. They told XXXX insurance that they were sending payment, which never happened. I think they are trying to steal my house from me. Please help.
|
| 01/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage is financed by BSI Financial. Every month, my bank automatically issues a check on the XXXX of the month for our mortgage payment. The due date for this payment is the XXXX of the month. After the XXXX of XXXX, I received a late payment notice. I called them to say I had sent a check on the XXXX of the month, which they claimed they had not received. They charged me a late fee and advised me to pay online and put a stop payment on the check, which I did. A few days after I paid online they cashed the check I had sent, and charged me another fee for putting a stop payment on it. This has happened twice already and the company has not been helpful.
|
| 10/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I opened a case with you earlier that you have closed with BSI. XXXX.
BSI HAS NOT RESOLVED the issue. We have made a very reasonable offer and gotten no response.
I absolutely do not feel that they are acting in good faith. Rather they are stalling until they can start foreclosure proceedings and force me into settling. NOD was filed XX/XX/2020 so as you know they can set a foreclosure sale date after XX/XX/2020. It is obvious that they are running out the clock so that they can apply maximum pressure to an already distraught XXXX.
Because of all of this I am currently being treated for XXXX. Please review my original complaint and reopen it.
XXXX XXXX
|
| 05/18/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I was given a forebearance during the pandemic, the forebarance ended in XX/XX/2022. I was not offered a payment plan for the missed payment nor was I informed of when the forebarance would end. In XX/XX/2022, I received an acceleration letter requiring the amount in arrears to be paid. This was the same time that the notice to the end of forebearance was given. No other amount would be accepted. I have been unable to reach the single point of contact for the mortgage company. I have learned that the home is now up for auction in 3 weeks. BSI Financial Services. Inc. is the servicer of my loan. I was under the impression that the loan would be modified.
|
| 12/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Dear BSI Financial Services, Attached please find IRS FORM W-9-REQUEST FOR TAXPAYER IDENTIFICATION NUMBER AND CERTIFICATION. Please fill out and return to me at the address noted below and I will send you the 1099 for the attached payment by Check # XXXX for {$13000.00}. Attached are : 1-Check # XXXX payable to the Law Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2-Motion to Compel Distribution of All Funds in the Court Registry to the Plaintiff 3-Order Granting Motion to Compel Distribution of All Funds in the Court Registry to the Plaintiff. 4-Request for Payment Form Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Looking high and low, I can not locate a way to contact BSI Financial Services. I sent a message yesterday, and today I got an opaquely technical message from XXXX saying the message was deleted unread. I simply need to tell them I have a new bank account number for their auto-pay set up ( same bank ). I spent an hour and half yesterday XX/XX/2022 establishing the new count ( the old one having been compromises by fraud ) and don't think they have contact information.
A customer service phone number, online chat or valid email address ought to suffice. If they don't have at least one of these, they shouldn't be handling residential mortgages.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BSI Financial Servicer is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by save the dream ohio hafs program. BSI knows I was approved for State assistance through the HAFS Save the dream Ohio program. The money was sent to pay my mortgage in a timely manner but BSI Financial has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to BSI. No one knows what's going on and they do nothing to help their clients.
|
| 04/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is a Business Purpose loan that was done through XXXX XXXX, serviced by XXXX XXXX. BSI Financial purchased the loan XX/XX/2019.
I adjust our auto-payment to the XXXX for XXXX because our tenant late was going to pay rent late - due to being laid for the Virus.
After payment, I got a late fee for 10 % of my typical mortgage payment - because our payment was considered late by the XXXX. I never agreed to a late fee being imposed by the XXXX in my original loan agreement. I also never agreed that it would be 10 % of my payment.
BSI can not purchase my loan and then change the terms of my loan the have to abide by the original agreement.
|
| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my home loan and my loan was sold to BSI Financial Services. On XX/XX/2021, BSI sent my insurance payment to the wrong company. They confirmed it was their mistake and as of XX/XX/2021, they have yet to make the payment. They stated they would not make payment until they were reimbursed from the company they incorrectly paid. The answer they gave me was to make another payment from my escrow account and raise my payment until they received reimbursement from the company they paid incorrectly. They gave me incorrect check numbers and USPS tracking numbers for mailed payments that were never mailed. Terrible customer service.
|
| 03/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was sold to BSI financial. They were horrible from day one. They were late to notify on how to make payments to them. They didnt send me a welcome package on how to navigate their website or how to create a log in. I called them when my first payment with them was due and the lady on the phone sounded like she had 3 kids making lunch and was short and rude on the phone.
Now I got a check from them which I assume is the escrow portion of my payments for my property taxes. Or maybe my insurance. Its ridiculous why would I pay an escrow to have the money sent back to me. What if my taxes are late or my homeowners is late?
|
| 06/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Was the previous text lost?
I had a completed modification and then approx. 2 months later ( XX/XX/2019 ) numerous changes were made to my ledger without explanation, causing my account to show past due.
XXXX XXXX+ added to my balance, but then sometimes not on my balance.
I have done a independent mortgage audit which they ignore.
I have sent all my payments documentation and it does not get reconciled. They just keep sending me very small print ledger which not even my auditor can make sense of.
There is what seems to be illegal action even documented on some of the paperwork they sent me.
I can not get any help.
|
| 03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The company sent me an email to " go paperless '' for my bill. I have never heard of this company, and know of no reason why they would be billing me, or even contacting me. What concerns me explicitly here is that it appears they are trying to trick me into acknowledging that I have read the email by clicking a link to " go paperless '' or " opt out. '' I won't be clicking either of these links because that's a tactic used by spammers. If I do owe these people money, they can contact me like a normal company instead of stealing my email address and attempting to trick me. I've included the full email they sent me.
|
| 08/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
BSI has continued to hold on to my money and not allocate the money to my mortgage account in the amount of {$1200.00}. They charge me late fees repeatedly even with my paying more than is due.
I have attached a copy of a screen shot of XXXX and paid more the required amount.
I want my mortgage payment allocated and late fees reversed based on the attached screen shot of my mortgage account as well as the unallocated mortgage payment.
BSI continues to charge late charges on a payment that was made to them and they refuse to allocate the money.
I want a RESEARCH analysis done and the XXXX payment applied.
|
| 12/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My fourth quarter taxes that were supposed to be paid by BSI Financial Services, XXXX PA., to my township were not paid on time. In turn, the town will be auctioning my tax lien on XX/XX/XXXX. I have not been able to get an answer as to why it was not paid from my escrow acct. There is enough money in the account. I was given numerous different stories about it being sent by electronic transfer, first class mail and express mail, all wrong information because it was never sent. Customer care supervisor has not returned numerous messages left. I have not been given an exact reason why the payment wasn't made.
|
| 10/06/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
This is an additional document for complaint XXXX that was just received on XX/XX/2021 it is the Annual Escrow Account Disclosure Statement. Please see the statement under Account History. this account was paid off XX/XX/2021.
THIS HISTORY STATEMENT COMPARES YOUR PRIOR ANALYSIS CYCLE PROJECTED ESCROW ACTIVITY TO THE ACTUALESCROW ACTIVITY BEGINNING XX/XX/2021 AND ENDING XX/XX/2021. IF YOUR LOAN WAS PAID-OFF, ASSUMED ORTRANSFERRED DURING THIS PRIOR CYCLE, OR THE COMPUTATION YEAR IS BEGING CHANGED, ACTUAL ACTIVITY STOPS ATTHAT POINT. THIS STATEMENT IS INFORMATION ONLY AND REQUIRES NO ACTION ON YOUR PART
|
| 04/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of 2022, BSI financial has repeatedly placed an escrow account on my mortgage claiming I have been delinquent in paying my property taxes, I have never missed a payment or made a delinquent payment. After 3 months of not processing my payments and reporting me late to the credit agencies they finally resolved my issue. Then again in XXXX I was notified that they again added an escrow account and again took several months to address. I just received another escrow analysis and disclosure statement that an escrow account is being added and my payment is increasing to satisfy the escrow shortage.
|
| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I requested a loan payoff amount to payoff my loan. I sent a cashier 's check to payoff my loan and the check was confirmed delivered on XX/XX/XXXX - the delivery was signed for by a XXXX XXXX at BSI. I've been calling and emailing them since that date ( 6 weeks ago ) asking about the status of my check and payment. I've gotten no answers and have been bounced around to different people with no results and now I have another payment due even though I've already sent a check for the full payoff. This is completely ridiculous and a mortgage company should not be allowed to operate in this manner.
|
| 04/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was sold to BSI Financial midXXXX. I had been on a Covid19 forbearance at the time that it was sold to BSI Financial. BSI Financial then offered me a modification that I agreed to, filled out and signed the paperwork and mailed it back to them. Since then I have been calling 2 main contacts, 1 supervisor and their HR dept multiple times a day and leaving messages. I have not received any communication of any sort back from them. I do not know what the status of my mortgage currently is. I have also received a pre-default notice in the time that I have been trying to contact them.
|
| 05/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have requested since XX/XX/2020, approximately when BSI Financial Services took over the servicing of our mortgage, that our loan be a non-escrow loan. We have paid our homeowners insurance and property taxes for the year. They requested a written letter signed by me which has been provided many months ago. They are still escrowing money instead of applying overage to principal balance as requested. I have left messages, emailed, hand written letter scanned signed and faxed & emailed back. Each time I call they put me to some ones voicemail. Their phone is XXXX XXXX XXXX XXXX Loan # XXXX.
|
| 02/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We are officially disputing the amount that you claim is owed. We vehemently declare that your claim is totally inaccurate.
As stated on the enclosed letters, we were provided with three servicers within the short period of nine months, clearly contributing to the miscalculation and error of figures on your part. We strongly suggest that you review our account records with all three of our recent servicers.
After completion of your thorough review of our loan account since XX/XX/2006, please send us verifiable proof of the loan amount owed, as well as our signed copy of Regulation X.
|
| 07/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We received a rebate in XXXX because we had an escrow surplus. The mortgage company made a mistake and in XXXX we had a {$5300.00} escrow shortage. We paid {$2700.00} cash plus our monthly payment increased {$220.00} a month to remedy the situation. We now have an escrow shortage again in XXXX. Our monthly payment has decreased, but the fact remains this company has poor accounting and Im growing curious where the money is going if its not taking care of our mortgage. We have a fixed rate mortgage, but our payment has been anything but fixed. This company is breaking our contract.
|
| 08/31/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was approved for a partial claim loan modification combo on XXXX and was told my first mortgage payment due date would be XXXX. Over the last 9 weeks I have been told over and over that the documents are still being prepared, no updates on when they will be completed and mailed. Today is XXXX and BSI is communicating that they are backed up due to so many people needing help and my first mortgage payment date was delayed from XXXX to XXXX since I do not have my written contract. I do not have anything in writing to support what they have been communicated over these last 9 weeks
|
| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
We have being asking since XX/XX/2020 to do a loan Modification to BSI Financial Services.
It took them 9 months to send the papers. When they send it the dates were wrong, putting us automatically in default and the terms were unacceptable. They responded that it was non-negotiable.
In addition they are increasing the monthly payment by 40 % and asking for a {$30.00} payment to pay expenses.
It is impossible to reach anyone, and when we finally after numerous emails and calls, reach someone they can not discuss, nor decide anything.
We really need your assistance.
Thank you
|
| 06/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom it may concern, Due to the COVID-19, I have faced hardship with collecting from tenants and covering my mortgage. This financial hardship is mostly due to the forced closing of non-essential businesses. I have two property mortgages with BSI financial services.
Loan # XXXX Loan # XXXX Bsi financial has been an opportunist throughout this pandemic. They have added multiple late fees and are not willing to work out any type of forbearance agreement. Although maybe times like these may not seem serious to someone in their position it has affected my way of life tremendously
|
| 01/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My mortgage servicer, BSI Financial Services, has improperly raised the rate on my adjustable rate mortgage. The note limits the increase to 2 % during each XXXX year interval. The rate was increased by 0.125 % as of XX/XX/XXXX and 2.0 % as of XX/XX/XXXX. I have now received notice of a 2 % increase as of XX/XX/XXXX. The increases are outside of the terms of the mortgage note. The note says " In no event, will my interest rate be increased or decreased by more than two percentage points during each one year interval following the first Change Date and each anniversary thereof. ''
|
| 04/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Due to the COVID-19 pandemic, my pay was reduced for one year. Due to this, I filed for a forebearance through my mortgage company. They allowed to put a pause on payments. My pay was restored and I have been making full regular payments now. The payments that I am making are showing as late ( I think they are applying my current payments to the forebearance period ) and it is greatly affecting my credit score and refinancing. Nobody has reached out to me to fix this and when I try to obtain answers they say they are very behind. I want to reflect my payment history as current.
|
| 03/26/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My trial agreement plan for mortgage assistance began XX/XX/XXXX the 1st trial payment was due XX/XX/XXXX, 2nd XX/XX/XXXX, 3rd XX/XX/XXXX I made all 3 payments. BSI was contacted to inform them I had not received the final modification agreement. I was informed {$2800.00} was being held in a separate escrow account and was not applied to my loan. I was also told by BSI Customer service they did not know when I would receive the final modification agreement. It is XX/XX/XXXX I don not want to lose my home to foreclosure because BSI has not serviced my mortgage loan Please Help
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 US 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON AN ACCOUNT under an open end consumer credit plan as late for any purpose. UNDER 1639 No creditor may impose a late payment charge or fee in connection with a high-cost mortgage more than once with respect to a single late payment.
|
| 04/18/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Due to covid-19 and more issue in my family 's, it was difficult for me to pay my mortgage on time.
I requested a loan verification to reconsidered my case but it's been like more than 6 months, BSI turn me in circles but nothing serious.
they ask me to send the documents, I sent all the documents 2 times but unfortunately they do nothing.
I tried to reach them everyday on the phone, without success. I found myself obliged to ask you to help me so finally they can work on my request.
XXXX XXXX XXXX XXXX XXXX NJ XXXX loan # XXXX Mortgage Company : BSI Financial services
|
| 03/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
BSI Financial has not applied one payment made my Ohio XXXX HAFS program. XXXXXXXX XXXX funds are misplaced or lost and was not applied. I spoke with XXXX and it was stated the payment was made on XX/XX/XXXX.
XXXX HAFS program made a total of 7 months worth of payments towards my account but only six have been applied in total. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Also BSI Financial has over XXXX dollars worth of late fees on the account. They sent a letter telling me these would be removed because a 3rd party payer was making the payments. These are still on the account.
|
| 09/29/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2023, I requested current balances and statements. I'm still not getting statements, but I can get a printout of my payments from the website. I make monthly payments of {$300.00} per month. The payments ARE NOT being reported to the credit agency. Only the original amount of the loan shows and no matter how much I pay the company will not report the reduction in my balance. I am only asking for TRUTH IN LENDING. Report my true balance or remove the " balloon payment '' comment from my credit report. BSI Financial Services ( Phone XXXX ) Loan Number XXXX.
|
| 10/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi, I'm trying to close my Escrow account since the mortgage bank BSI financial is indeed very screwed up and didn't include the school tax payment on the 2021 year, I paid it up and now have a XXXX balance on my escrow but they won't close it for no reason, since I never missed a single payment and paid up my escrow balance I would like to pay directly to the town, village, etc. They approved my fresh appraisal, which reduced my XXXX to less than XXXX %, yet they refused to close my escrow account.
They have been really tough to deal with since the beginning.
|
| 04/16/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My Covid 19 foreberance was scheduled to end XX/XX/XXXX. I contacted BSI financial to let them know to extend on XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and was only sent to a voicemail each time. I started my forbearance on XX/XX/XXXX and my 360 days would not be until XX/XX/XXXX. I just received a notice of default and intent to accelerate.I have not been offered any loan modification and have been charged late fees. The company is unresponsive and they are not acting in good faith and my loan is secured by USDA. I am asking for your help. Thank you.
|
| 03/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have been trying to work with BSI Financial for several years to resolve our Mortgage issue, communication with this company has been extremely difficult. We have paid several different agencies to help us including XXXX XXXX and XXXX XXXX. BSI is very difficult to work with. We have made over XXXX i. Payment to BSI over the past year and they are showing we have made XXXX payments. We have tried to work on loan modifications etc.
Now we have a foreclosure sale pending for the XXXX of XXXX, we have lived in our home for 31 years and do not want to loose it.
|
| 08/16/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
RE : ATTACHED 2017 IRS XXXX FROM BSI FINANCIAL SERVICES XXXX # XXXX XXXX : ACCOUNT # XXXX PLEASE BE ADVISED THAT PURSUANT TO THE ATTACHED AGREEMENT THE ATTACHED 2017 IRS FORM XXXX BY BSI FINANCIAL SERVICES IS INCORRECT AS TO LENDER NAME, ACCOUNT # and AMOUNT OF PRINCIPAL OWING.
TO COMPLY WITH IRS REPORTING GUIDELINES BSI FINANCIAL SERVICES IS HEREBY DIRECTED TO SUBMIT A CORRECTED IRS FORM XXXX WITH CORRECT ACCOUNT, AMOUNT OWING AND LENDER NAME AND TO PROVIDE COPY OF THE CORRECTED TO XXXX AND XXXX XXXX.
THANK YOU FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER
|
| 02/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been trying to understand necessary payments for my mother 's mortgage which is owned by XXXX XXXX. I have been calling the company for over two months now, and when directed to my " point of contact '', XXXX XXXX. I'm met with a complete refusal on their behalf to call me back. I have tried escalating this to his supervisor, XXXX XXXX, with no effect. On two occasions, I have received calls which resulted in their system hanging up on me as soon as I pick up. I feel like the mortgage company is intentionally not attempting to establish communication.
|
| 08/25/2021 |
Yes |
|
|
|
Web |
Servicemember |
|
I am writing in regards to the mishandling of our mortgage loan with BSI Financial that has caused significant additional charges to our loan. We were previously approved for a forbearance plan that was completed XX/XX/2020 and still has not been finished. BSI has overcharged interest to our loan due to the fact the modification has taken so long. I am requesting a full review/audit of our loan and how it was handled due to the pandemic.
Please see attached letter of explanation with details of dates, amounts and actions taken to try to resolve the issue.
|
| 08/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2020 I applied for a loan modification as the payments have become onerous for my wife and I. Today ( XX/XX/2020 ) I was offered a modification. However the trial payment plan that was offered actually had my monthly payments increase significantly to roughly 50 % of my monthly income. My monthly payments were {$5700.00} ( PITI ). They are now saying I should pay an additional {$3100.00} bringing my payments to over {$8800.00}.
Additionally the current interest rate is very high compared to the rates being offered now. My interest rate is 6.375 %
|
| 03/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
ON XXXX XX/XX/2022 our mortgage company, BSI Financial Services, notified us that it approved our request to close our escrow account. Since that time, BSI has failed to provide a new payment amount ( reflecting only principal and interest ) and has also failed to provide us the amount remaining in our current escrow account. When we spoke to BSI Financial today, after four days of unsuccessfully trying to reach someone in customer service, we were told that they could not contact the escrow company directly, and could only send an email message to them.
|
| 03/04/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
BSI illegally took late fees from me during a bankruptcy. Since filing the complaint with CFPB last year in XXXX. They have reversed the credit that they initially gave based me on the results of complaint XX/XX/2020, where they agreed this was not suppose to happen.
You will notice in the attached exhibit where they rescinded the payment without an explanation.
This is just many of the illegal practices. If the consumer does not watch out for themselves with debt collectors like this company it will continue.
Please help me with this if you can.
|
| 05/03/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
My loan was transferred or sold to BSI in 2018, Ive experienced nothing but inaccurate information from day one. BSI lose payments, escrow, etc when your bank statements show theyve been paid. All of their agents give you different information concerning your account. BSI constantly show your account in default status when your bank show payments have been processed. BSI constantly charge you late fees, NSF fees, property inspection fees, non existing fees to name a few. Ive tried tirelessly to work with this company to no avail. PLS HELP.
Thank You
|
| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2021 - receive Escrow review indicating monthly payment will increase {$600.00}. BSI used incorrect property tax figure.
XX/XX/2021 - BSI tax department obtains correct property tax amount and acknowledges to us it has done so. Promises to recalculate monthly payment based on correct amount.
XX/XX/2021 - date by which BSI promised to provide a revised ( lower ) monthly payment would reflect correct property tax amount.
XX/XX/2021 - most recent call to BSI, resulting in third message on voice mail of escrow department, with no return call
|
| 07/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Unfortunately I am going through fighting with my mortgage company BSI Financial. Who stated they would pay my property taxes via my escrow. Now I have received a letter from the town tax collector they have put a lien on my home because property taxes were not paid out by BSI. Their excuse was it isnt due until XXXX. The original letter states vey clearly {$780.00} was due XX/XX/2021 for XX/XX/2021taxes. Perhaps a mid year as the total is roughly as much. Im stuck between a rock and a hard place. I was not given a decision of who carries my loan
|
| 09/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I used my mortgage company 's biweekly payment system which makes 26 payments a year instead of 12.
I recently discovered that they don't apply the payments being made to the principal. Instead, they are holding the money in their account until the end of the month and then apply all the money received during that month.
I called and told them I didn't think this was right and even offered to make an extra payment so the payments would be credited toward the principal at the time the funds were received and they said that world n't work.
|
| 06/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On three occasions I have submitted my monthly mortgage payment to BSI. I have received confirmation emails each time. The funds have not been taken from my account and I continue to receive delinquent payment notices. I have contacted BSI and received no assistance.
Dates payment confirmed as processing : - XX/XX/2020 : {$1600.00} - XX/XX/2020 : {$1600.00} -XX/XX/XXXX: {$1600.00} Online form to BSI requesting assistance and follow-up : XX/XX/2020 Delinquent Notice letter dated XX/XX/2020 despite two previous payment confirmation emails.
|
| 08/04/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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My VA mortgage is currently held by BSI Financial Services. We made our payments in XXXX and XXXX but, there was a shortage due too escrow under payment. Instead of making payments and trying work with us, they held the payments, did not apply them in XXXX or XXXX, reported us as late to the credit bureaus and continued to charge late fees and are as of today, XXXX, they are still holding funds, unapplied, to XXXX. We caught up the escrow payment 5-6 days ago, that amount is still unapplied as well!! Need assistance as soon as possible!
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| 02/04/2022 |
Yes |
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- Trouble during payment process
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Web |
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I personally have been calling BSI financial about my XXXX tax that hasn't been paid by my escrow. I keep getting told that they will escalate the information to a supervisor, but it has now went on 3 weeks and my mud tax has still not been paid resulting in a fine. I also told BSI that the amount they have on file was incorrect and I emailed them a copy of the tax statement and updated fees due. If this goes on another month of not being paid it will result in another tax fine from the county. This needs to be resolved immediately.
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| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I use to have a mortgage with this company, but they were completely paid off in XXXX. They keep reporting to my XXXX, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining XXXX XXXX and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of XXXX. Also, they are reporting each month to my credit report as late.
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| 08/02/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On or about XXXX of 2023, the XXXX XXXX XXXX XXXX, XXXX, XXXX and a lady I assumed worked for the realtor evicted me from the home I was making contract agreed payments as I have proof of. I not sure why this is happened or what they did with the money but it sounds like predatory lending and a civil rights issue as law enforcement officials and the courts were involved and should be investigated at the time I was a XXXXXXXX XXXX and clearly an employee Code of Conduct / Ethics issue via annual trainings and background checks.
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| 09/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please see attached complaint. Step 2 of 5 does not capture my complaint. I chose " Trouble during payment process '' but that is not the issue and the other choices do not apply either. Our situation involves an insurable loss to our residence. We can not get BSI to pay out insurance funds we were required to endorse over to BSI so they could control payments to contractors to repair our kitchen after a fire.
The Company is currently operating under a Consent Order with the CFPB for traditional mortgage servicing activies.
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| 07/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I financed my home with BSI Financial in XXXX I have had payments drafted from my checking account from the first day of payments. They have called and said my account is delinquent and keep changing my payments. my payment has went up {$500.00} this month. I have reached out to them many times over the last 3 months but know response. Their website say I am delinquent. I have all my bank statements where my payments have been drafted. I have even asked for payoff several time but no answer. Can you help Thank you XXXX XXXX
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| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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The attached email demonstrates our problems with BSI Financial Services. We have continually asked them to validate the sums they are capitalizing for unpaid interest and escrow amounts. You can see what they are providing. We have also asked for them to show us the removal of non-payment reports while we are in the process of getting the mortgage modification and they ignore it. We originally applied for this in early XXXX and they took until XX/XX/XXXX to reply. We really need your help on these matters.
Thank you XXXX
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| 02/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial is my mortgage servicer. I established a new loan with them in XX/XX/XXXX. They have failed to pay my County tax bill with my established escrows. I have sent them a request in XXXX and XXXX with the County Tax bill. They tell me they will do it. I see this as a larger problem and that they have an issue managing escrow accounts. I expect BSI will resolve the issue, but I wanted to warn the CFPB about this problem, I suspect they have ongoing financial issues. They have been fined in XXXX for the same issue.
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| 04/11/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Once again my auto payment was the XXXX and XXXX of every month. They took the money out on the XXXX of XX/XX/2023. I requested a return, since auto pay is one the first. They charged me a fee off {$35.00}. I made my payment on the XXXX of XX/XX/2023. The total payment in the contract is XXXX for principal and interest and XXXX for escrow, for biweekly is XXXX. I made that payment of XXXX for the principal and interest and a payment of XXXX for escrow which equals XXXX. This is the second time this company has messed up.
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| 08/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been making by-weekly payments to my mortgage company, BSI Financial Services , for a while now, maybe like a year, but recently noticed on my monthly statement that they do not apply my first payment amount at all until they receive the second payment. I called them today, XX/XX/2023, and they confirmed that they " hold '' my first by-weekly payment until my second payment is received, which I don't think it's right. I was hoping to save on interest of my loan amount by reducing it making more frequent payments.
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| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
Servicemember |
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Hallo, My name is XXXX XXXX and my credit score was greatly impacted cause of late payment.
I want to state that I have always had a good credit and have never defaulted any payment, on as of XX/XX/XXXX my mortgage was transferred from XXXX XXXX to BSI Financial but the only notification I received was on mail but unfortunately I was out of country until XX/XX/XXXX.
I have proof of communication with my past mortgage company inquiring what was really going on cause theres auto pay amount taken from my bank.
Thanks!
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| 06/11/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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BSI Financial is my mortgage servicer, I have tried to contact them many times to enter into a forbearance/modification. I can't seem to get a hold of the right department and or person who can help. When I get a person on the phone they say that I need to talk with the loan officer in charge of my loan. That my loan officer knows that I called and that they will call me back. I have not heard from my loan officer and am not sure what to do next. Please help! I need a resolution to this problem. I want to save my home!
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| 05/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial Services has collected {$2400.00} in escrow payments for insurance but has not paid the insurance for the property after multiple requests by myself and the insurance carrier. As a result, my insurance has been dropped and BSI has been non-responsive. It is important to note that BSI would not approve the mortgage loan unless the insurance and taxes were escrowed and included in my monthly payments, so their not paying the insurance after demanding the payments be escrowed is fraud and deceptive.
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| 08/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The mortgage company BSI Financial had incorrect amounts for our taxes on our escrow reconciliation. They also failed to pay the taxes by the due date. We submitted all of the documentation for the correct amounts and they refused to process the correct amounts for tax payments. They are unresponsive and continuously give us the run around. We also asked to close the escrow account ( which we should be able to do legally because we made a down payment of over 20 % on our house ) and they refused to do so.
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| 11/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX, I refinanced my mortgage with XXXX XXXX ( XXXX XXXX XXXX ). The first payment was due on XXXX/XXXX/2020, and the payment was received by XXXX XXXX and processed on XXXX/XXXX/2020. On XXXX/XXXX/2020, my loan servicing was transferred to BSI Financial ( https : //www.bsifinancial.com/ ), however BSI has still not recognized the payment I made to XXXX XXXX, and show my loan as delinquent. Despite repeatedly calling them, they have made no apparent effort to contact XXXX XXXX to locate my payment.
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| 04/14/2022 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage was sold to BSI who did not recognize my loss mitigation from mortgage solutions. I paid XXXX above my mortgage. In XXXX i paid XXXX and was advised by an agent that if I paid an extra XXXX my loan would be current. I paid XX/XX/XXXX payment prior to the XXXX to avoid late charges and the system showed another XXXX in late fees after being told I was current. The manager said it was late fees that came over from mortgage solutions, which were supposed to be held due to the loss mitigation.
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| 04/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received almost thirty pages in the mail from BSI Financial Services indicating that I should start paying my mortgage through them. However, when I checked with the mortgage company they confirmed that they had not engaged BSI. The letter is not structured as an offer of services, but " We are now responsible for collecting your loan payments on behalf of your current creditor .... '' which is an entirely fraudulent statement, as neither I or my mortgage holder has engaged the services of BSI.
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| 06/10/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I have a mortgage with BSI Financial Services. They have been overcharging me for insurance past two years. I called them over 30 times and numerous emails to tell them I have my own insurance in 2020 and upload all the documents to their system .they never returned my calls. They placed lender-placed insurance for {$4600.00} even do I have my own insurance. When I called today they said they changed their insurance department and no one seems to help me. They did same thing last year as well.
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| 01/24/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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After filling bk BSI took over our loan in XX/XX/2018. They have never sent any statements. I've asked 5 times. They are now saying we are {$7000.00}. Late we gave our lawyer cancelled checks to show we are not. BSI is not threatening to foreclosure on our home, we've been in our house for 20+ years. They violated truth is lending, fair business act. Will not respond to my concern. I'm trying to refinance. I'm XXXX my spouse XXXX XXXX XXXX from XXXX XXXX XXXX XXXX also XXXX XXXX XXXX. Help
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| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI is trying to bully me into automatic payment plan by refusing to deposit my payments and fining me : My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX I was fined {$63.00} twice now
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| 01/07/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Received denial letter for modification request from my server BSI. The letter stated I had insufficient income. My income is substantial to make the mortgage payments on my property. I was also previously denied a modification review because the Relationship Manager stated they showed in their records I had filed bankruptcy. I have not filed bankruptcy and BSI has incorrect information. BSI is difficult to work with and I'm requesting they review my request for mortgage assistance.
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| 04/13/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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BSI Financial is not timely responding to requests for information regarding the status of applications for mortgage assistance. We have mad several attempts to contact their office but their voicemail requests that we leave a message that will be returned which hasn't happened. The online account workout status has not updated the information we submitted over two weeks ago. The email message response only says we're processing it with no specific information regarding the status.
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| 04/14/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My name : XXXX XXXX I have sent {$5000.00} to BSI Financial over 30 days ago XXXX XX/XX/2021 ) to be applied to my account as interest, principle or escrow and the funds have not been applied to my account.
My address : XXXX XXXX XXXX XXXX, XXXX CO XXXX My Tel. XXXX My Property Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX BSI Financial : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXXXXXX Main line XXXXXXXX Fax XXXX NMLS # XXXX Branch NMLS # XXXX XXXX. XXXX BSI Acct. No. XXXX
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| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial has not paid my city taxes -- the money is sitting in escrow. I was not aware, obviously, until I received notice from my city tax office that a lien has been placed against my home. I have made two calls and gotten zero action. I can't get in touch with anyone with any authority to address the matter. This organization is apparently horrible -- one star ratings and a class action lawsuit. My loan was sold to them so I had no say in the matter ... that I'm aware of.
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am filing a complaint for violation of the CARES ACT on mortgage forbearance. Please see my complaint that is attached. I just realized it won't let me upload anymore attachments referenced on my complaint as it states file is over XXXX. But I think I included the important documents. Letter from XXXX stating the investor of my loan is XXXX XXXX and also on the loan modification agreement shows subject loan is a XXXX XXXX loan. I am not sure how to provide additional documents.
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| 09/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX has not applied payments to my account that was made by the save the dream HAF program. Causing my account to be deliquent. The payments were made on XX/XX/25 via electronic check Batch # XXXX in the amount of {$6700.00}. They have had more than enough time to apply the payments but fail to do so. Instead they are reporting deliquent status to the credit bureaus. I have spoken to Save the dream and they said the status they show is paid and these are government funds.
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| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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BSI Financial Services are trying to add back taxes on to my mortgage that I incurred while with a previous mortgage company. My taxes and insurance have all been accounted for with my escrow. Ive complained enough that I went to refinance with another company and they tried to tell that company that I was behind in XXXX. Thats the month I appealed the previous taxes and was told it was resolved. This company is a scam. I have legal representation that Im currently acquiring.
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| 02/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/2023 I made a payment through the Bank 's website, today XX/XX/XXXX payment has not been applied called 2 days ago and spoke to someone by the name of XXXX XXXX and she informed me that she would notify the company that processes it, this morning I checked the account and nothing has been posted yet, I decided to email XXXX XXXX and she had no idea why they haven't applied the payment, this is not the first time this is happening so I decided to take action.
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| 01/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My adjustable rate mortgage is serviced by BSI Financial. The mortgage terms limit rate increases and decreases to 2 % per year. The rate was increased by 2 % as of XX/XX/XXXX and by 2 % on XX/XX/XXXX which exceeds the limit. BSI Financial confirmed the 2 % annual increase limit in various letters. The company is not following the terms of the mortgage. The rate has now increased 4 % in less than a year with rate increases of 2 % at XX/XX/XXXX and XX/XX/XXXX.
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| 07/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI charged escrow : XXXX, XXXX, XXXX, XXXX, XXXX XXXX per month = {$1500.00} Closing Documents XXXX per month = XXXX Balance due ME {$1000.00} BSI Refund XX/XX/2021 ( XXXX ) BSI Refund XX/XX/2021 XXXX XXXX ) Amount currently due me {$200.00} BSI refuses to refund my money.
Attached is a letter from my accountant stating BSI in fact does owe me money through his analysis.
In addition, BSI has dinged my credit due to their error and I want that reversed.
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| 10/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was sold to BSI Financial Services. I am in the middle of a flood claim and have a check from my flood insurance company, but it has to be endorsed by the mortgage company. BSI refuses to answer any phone calls or email me back, and I have been unable to speak to them, and in the meantime I owe TENS OF THOUSANDS of dollars to my flood repair specialist that I can not pay because I can't cash the flood insurance check without BSI 's involvement.
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| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My mortgage is serviced by BSI Financial Services. They are required to provide a Form 1098 reporting my mortgage interest every year. XXXX XXXX on the Form 1098 is where the " mortgage acquisition date '' is supposed to be disclosed, but BSI never discloses that they acquired the mortgage on my Form 1098, and every single year I have to call them and email them and attempt to get it resolved. BSI should provide accurate Form 1098s as required by the IRS.
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| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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Dear BSI, Thank you for the attached response letters to the CFPB.
Attached is BSI XXXX XXXX from your website which provides the information for BSI 's Mortgage Servicer Licensing in Florida, namely.
Florida Mortgage Lender Servicer License XXXX Please provide your Lender licensing information in Florida.
Please note that the attached IRS Form 1099A lists BSI Financial Services as the Lender.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
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| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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MY Mortgage was sold to BSI on 1XX/XX/2021. I received a delinquent notice from my City Tax office seeking property tax payment as BSI has not pay the property taxes. I sent the company an email notifying the collection notice and seeking a call back. I received a password protected letter from BSI only stating that this was an attempt to collect a debt rather than paying the taxes that they owe. I am seeking your advice and intervention in this matter.
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| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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We have being trying to do a mortgage mitigation with BSI and it has being a nightmare.
We asked for advice with the Ct Housing Authority and showed them our correspondence.
The COMMENTS from the staff attorney, XXXX XXXX XXXX, at the Connecticut Fair Housing Center after reviews is : " Right now, BSI 's wrongdoing is hiding the ball on the escrow increase and providing you inaccurate documents. It unfair and negligent '' Her email is attached below.
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| 03/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was affected by XXXX XX/XX/2020 and again after I took the 2nd XXXX.
I have requested mortgage assistance and forbearance with the mortgage servicer BSI Financial the mortgage servicer. I have been declined any type of assistance for several months. I was told my investor will not provide mortgage assistance or a forbearance for my mortgage. The correspondence I received stated I was offered mortgage assistance 2020 and I refused the modification.
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| 11/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial Services has damaged my credit due to a mistake they made and admit to on a recorded telephone conversation with one of their managers. I have asked them to correct the mistake and withdrawal the adverse credit delinquency reports they have file for four consecutive months. Extremely poor service, no one calls you back when they say they will. I'm concerned that this mistake made by BSI will negatively impact my credit score for years.
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| 07/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I took a hard money loan out on my property in north carolina.The company was called XXXX XXXX.The loan was in the amount of {$22000.00} on the structure that sat on the property.I filed chapter XXXX bankruptcy and agreed to sell a portion of the property to pay off the loan.once i found a buyer and went into contract XXXX XXXX foreclosed and sold the property less then what the buyer was paying illegally while i was under bankruptcy protection
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| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX I paid and notified BSI of our homeowners insurance renewal. XXXX contacted BSI directly, I faxed it over.
We received a letter in XXXX stating we didnt have proof of coverage even though we sent it.
I called again in XXXX, upload the XXXX policy showing proof of coverage.
Theyre still denying that we have proof. When I call and ask if the paperwork is what theyre looking for, they say yes it shows proof, yet theyre still denying it
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| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am filing this complaint to BSI FINANCIAL SERVICES for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
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| 02/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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XXXX XXXX has over {$5600.00} of my hard earned money on escrow account but is not making any payments and i have been receiving letters from the county for missed payments.
I have called XXXX multiple times and they keep promising to fix the problem and nothing happens. Just called again tonight and they tell me they are raising it up higher, same thing they told me last week. They have copies of of all the tax bills i have received.
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| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.
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| 04/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial Services XXXX and XX/XX/2020 mortgage payments were made on time via phone payment.
Payments were confirmed.
They admitted that the computer system failed to apply payments correctly and would remove all negative reporting.
Several months of emails and correspondences, the false derogatory marks have not been removed from my credit report.
I am still in contact with them and waiting for them to make all corrections.
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| 08/28/2022 |
Yes |
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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| 08/22/2022 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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I have attempted to resolve the problem with the servicer. I sent qualified written request as well as debt validation notices. I have concerns about the assignment that was recorded from XXXX XXXX XXXX according to my deed of trust XXXX was not listed and that is who I originated the loan with. My original loan number was XXXX and the new loan number is XXXX. This altered the contract that I made and agreed to and signed in 1997.
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| 10/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have contacted the mortgage servicer BSI 4 different times requesting correction, clarification and refund of late fees that were not accurate. I have been charged 3 times for payments that I know were not late beyond the per agreement date. The account has been paid off, it took BSI nearly a month to finalize the payoff and send my refund, I have not received a closing statement from them as I asked nor the refund of late fees.
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| 03/19/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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This is in rebuttal to XXXX.While the XXXX is addressed. Where is the overage of the {$200.00} will now be applied to? You have not addressed that.
Also, why didn't I receive written documentation on this. A customer is entitled to know what is being done to an individual 's account. This is illegal.
I would like written documentation on what the intent is for the rest of the money you illegally took from me during bankruptcy.
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| 02/02/2022 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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BSI slow walked my modification to the point where it took 1 year to complete. During this time frame they reported me to the credit bureau and more than 6 months behind, 180 days behind, 90 behind. You have the records that show I have paid every month.
They also need to redo my Tax form which is a falsified document that does no have the correct amounts on it. I don't need the IRS on me as well and this org stealing my money.
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| 10/25/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Re : Proof of Claim filed in US Bankruptcy Court-XXXX NJ Division Case No : XXXX Filed by : XXXX XXXX XXXX XXXX , FSB , d/b/a XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
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| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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BSI Financial holds my home mortgage and mismanaged my home mortgage account. BSI falsely reported payments made to my account as not paid ; some more than 180 days consecutively. BSI also reported the wrong balance to the credit bureaus and placed customer disputes on my account when I inquired with them to investigate their mishandling. They kept the disput on even when they admitted to the mishandling of my account.
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| 04/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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BSI Financial will not respond to emails from their e-mail portal. I have sent several e-mails requesting they update my escrow with the current tax year and they have not responded. After finding other reviews about BSI it's clear they don't respond to anyone using their e-mail portal. They need to remove the e-mail portal or respond. Can you please help get through to someone, so my records and payment are accurate.
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| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My adjustable rate mortgage can not be raised more than 2 % per year. BSI financial sent me a notice attempting to raise it 2 5/8 % a year. I have called several times to talk to the people who do not return my call.
BSI has already settled with the CFPB for failing to enter interest rate loan adjustment data correctly. A class action lawsuit needs to be filed against them on behalf of all people similarly situated.
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| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI financial has totally messed up my escrow. I have asked to remove them from making my escrow payments they refused, I updated my homeowner 's insurance premium and they increased my payment, even though my homeowner 's insurance went down. They for some reason attempted to disburse my homeowner 's insurance payments more than is necessary. I would like a XXXX party review of my escrow account with this company!
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| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI services a mortgage that holds liens 4 of my properties. They collect escrow payments for property taxes and insurance on those properties. Taxes were dues on XX/XX/2022 on three properties and those have not been paid as of XX/XX/2022. I have contacted BSI no less that 6 times one the last 8 weeks to resolve.
Payments are due for XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX # XXXX XXXX VA, XXXX XXXX XXXX XXXX VA
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| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Loan Servicer, BSI Financial, has failed to reimburse the borrower for insurance premium paid out of pocket due to disbursement sent by the servicer not being received by the recipient timely. Failure to pay the insurance premium risked cancelation and lapse in coverage. I have made several phone calls, and 5 emails, and do not receive any response, except for an auto reply that they are working on the request.
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| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the FCRA this creditor, BSI Financial Services, has violated my rights.
Under 15 USC 1681 section 602 states that I have the right to privacy.
15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.
Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
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| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
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| 03/20/2022 |
Yes |
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
Servicemember |
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First Im a XXXX XXXX XXXXXXXX veteran and BSI Financial services purchased our VA mortgage.
After checking BSI has NOT updated our mortgage information on all three bureaus thus dropping our credit score drastically.
Unfortunately we can not afford to change lenders at this time after we were forced into using BSI financial services due to interest rates have increased beyond our financial capacity.
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| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX my I entered a forbearance for my FHA mortgage due to COVID 19. It ended in XXXX of 2020. I made all payments on time prior to XX/XX/2020 and have made all payments since XX/XX/2020 yet my mortgage has been reported over 120 days delinquent on my credit reports. I have attempted to contact BSI who is my mortgage company have not been able to have anyone return my calls regarding this matter.
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| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was just sold to BSI financial services at the end of last year. I noticed in XXXX that my taxes have not been paid. I have contacted them four different times now to make sure that they get paid but it still hasn't been done. Every day that they don't get paid the penalty gets higher and I am afraid that they are gon na use my escrow dollars to pay the penalty as well which isn't right.
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| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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BSI Financial is reporting payments late after an automatic stay as a result of a bankruptcy filling including the mortgage. They are not allowed to report any payment activity after the bankruptcy filing as it is a violation of the collections action of such a filing. I am requesting that they remove all activity from the credit report effective immediately from all 3 credit bureaus.
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| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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XXXX XXXX, I have sent a fax with information about missing details in my credit report. I have provided details to the company with proof of purchasing the house with my wife in XXXX and refinancing it in XXXX.
I am attaching the fax sent to the company and request you to resolve this problem with BSI financial and ensure that my name appears on the mortgage information.
Thanks
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| 12/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I carry my own homeowners insurance and BSI is charging me for their homeowners insurance. I have sent in my face sheet for insurance and spoke to a representative numerous times to no avail. I was told they had the incorrect property address. I sent in proof from the county. Somehow they paid property tax on the correct address but still are charging me for the insurance.
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| 04/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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From XXXX to XX/XX/2018 the lender, in 19 telephone calls, lied 18 times. They told the truth in call 19. They were pretending to entertain the possibility of loan modification. This was false, they admitted on the 19th call. I then sold the house in XXXX. They were told this and refused to cooperate with a payoff amount for four months. then they foreclosed on XX/XX/2018.
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| 01/05/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 XXXX XXXX {$15000.00} BSI Financial Services {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
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| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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BSI Financial is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.
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| 03/26/2022 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/21 - Paid my XXXX payment to XXXX XXXX ( Proof of the payment was sent to BSI Financial ) XX/XX/21 - my mortgage was changed from XXXX XXXX to BSI Financial Services Since then, BSI financial services has claimed I didn't make my XXXX payment and are demanding I make a double payment to make up for the payment I've already shown to them that I didn't miss.
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| 02/19/2022 |
Yes |
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Web |
Servicemember |
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Closed on my home and taxes were paid at closing. BSI Financial paid the taxes out escrow and I called to advise them to refund is needed. Called on XXXX XXXX, XXXX XXXX ; XXXX. I was told account will need to investigate and call me back with the finding XXXX hrs. Well is been over XXXX hours as Wednesday XX/XX/2022 and it Friday XX/XX/2022 no call or email.
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| 07/25/2023 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
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Please we need your help because we already pay every month my mortgage. And BSI down my credit score and make me paid over my mortgage and put my house in foreclosure This mortgage company abused my family financially that started XXXX XX/XX/2021 to XXXX XX/XX/2021 BSI said we dont do the payment for these months we did we got prove we pay
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| 01/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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|
Web |
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I sold my house in XX/XX/2022. I discovered an erroneous deferred balance added to my loan in excess of XXXX. I have tried for months to get my money back. The company has agreed they made a mistake but say they dont know how to fix it. Im so distraught and stressed over this unbelievable mistake and the lack of care and respect I deserve.
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| 12/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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BSI Financial is the mortgage servicer. They have collected property taxes into the escrow account, but not paid taxes due to our township for XXXX 2020. The township has sent us XXXX notices demanding the payment plus interest.
I have contacted BSI financial, both by phone and in writing on XX/XX/XXXX and then in writing on XX/XX/XXXX.
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| 10/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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I refinanced my loan with XXXX in XX/XX/2020. Since then, I have paid additional amount to gradually reduce my principles. However the balance does not fully reflect all the money I have paid. I tried to contact the service co. ( BSI Financial ) but nobody can be reached.
I would like to have a full history of my long balance changes.
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| 06/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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My mortgage Loan with BSI Financial ( XXXX : XXXX ) was recently transferred to XXXX XXXX ( XXXX ). I made my first payment with XXXX XXXX last month and they haven't updated my balance. At the same time BSI Financial is saying that I missed a payment. BSI wouldn't answer / reply to emails probably because they closed the account.
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
|
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On XX/XX/2021 It was reported to XXXX that my account with BS is {$12000.00}. past due and over 180 days late, This is not correct as when my loan transfered to BSI from XXXX XXXX it was in flight partial claim modification that was already complete. Since my account has been with BSI I have made the full payment every month.
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| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Request mortgage assistance for my home several times for my mortgage. I have had XXXX, 2 times. My mortgage company has not tried to help me keep my home and give me mortgage assistance. BSI has mailed me a letter stating the investor XXXX XXXX does not want to help me with mortgage assistance. I don't want to lose my home
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| 05/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
|
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A complaint was filed with your bureau.
The lender stated the error was theirs, however, they refuse to refund my account the amount of money they overpaid the PMI vendor until the PMI vendor repays them.
XXXX made the error and XXXX needs to refund my money now regardless of their awaiting money for an error they made.
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| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American, Servicemember |
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I'm a XXXX Veteran was in XXXX treatment and told the loan company BSI Financial services i would send payment later.
THEY AGREED I PAID AND NOW THEY REFUSE TO CORRECT THE FALSE CREDIT LATE PAYMENTS THUS IT IS CAUSING ME A HIGHER INSURANCE PREMIUM, THUS I CAN NOT AFFORD THIS UNTIL THEY CORRECT THE CREDIT BUREAU ERROS
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| 04/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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Company - BSI Financial Services Loan Number - XXXX On their website, I am unable to make payment using my name, SSN or Loan Number No one is picking their Toll Free numbers XXXX XXXX They keep adding late fees which is incorrect as there is no option to make a payment.
Now they want to foreclose Please help.
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| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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BSI Financial Services Bought my mortgage. I make my payment through my bill pay. They receive my payment on time but do not process in a timely manner. They want to charge late fees that I do not owe I have seen hundreds of complaints about them. I can not understand why the government has not shut them down.
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| 01/05/2023 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
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In the documents below, you can see autopay was scheduled for the XXXX of XX/XX/2023. The company took the payment on their own in advance of the autopay. In my bank I didnt have enough funds, because I get paid on the XXXX and on the XXXX of every month. They charged me a {$35.00} fee, when they messed up.
|
| 07/13/2023 |
Yes |
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- Struggling to pay mortgage
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX NJ XXXX MORTGAGE COMPANY BSI, CARY MY MORTGAGE XX/XX/XXXX TO XX/XX/XXXX TOTAL 23 MONTHS I HAVE XXXX PAYMENT STATEMENT PAY ON TIME BSI DOWN MY CREDIT SCORE TO - - XXXX MY WIFE AND MY SON AND BSI SAID IF WE DON'T XXXX AND XXXX THESE MONTH WE ALREADY PAID MY HOUSE WILL IN FORECLOSURE
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| 10/09/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
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We having trying for over a month to get BSI Financial to either Fax or Email a copy of our Loan Modification Agreement to XXXX XXXX with no success. I have called and spoken to numerous people and they assure me this will be done. Is it not illegal for them to withhold this information? Please help!
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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My refinance loan was recently purchased by BSI Financial. My first payment was due XX/XX/21. I paid the first payment XX/XX/21. My payment was {$0.00} short, it was paid as soon as I realized my error. My first payment has not been applied to my account so I am always a month behind on my payment.
|
| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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My lender is asking for documents that dont exist, such as property insurance bill which is handled by them ( lender ) and I do not have, as well as the fact that they asked for documents on XX/XX/XXXX and set a deadline for XX/XX/XXXX not nearly enough time for me to send all documents requested.
|
| 07/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Mortgage servicer : BSI Financial services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan number XXXX This company keeps sending me threatening letters even after I have provided insurance renewal documents over a month ago. My insurance agent has contacted them and provided required information.
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| 11/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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15 u.s.c. 1635 - right to rescind, I sent them notice of fraud and they have continued to report negativly to my credit report, without even disclosing that I had the option to opt out of them reporting negative items on my report. I have wrote letters to the CEO and the finance company.
|
| 01/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with BSI financial services. The Escrow account is paying my taxes and my neighbors taxes. This has been going on for 2 years already. keep getting promises its going to be fixed. and it's still collecting tax for my neighbor 's property. Response takes very long.
|
| 07/17/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
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BSI Financial Services foreclosed and sold our house at auction, while we were in a lawsuit against the builder because of a mold problem in the home. BSI sold the house and now the new owners are selling the house and neither of them are disclosing that the house has mold issues.
|
| 04/22/2021 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
I'AM A 100 % XXXX VETERAN WHO HAS MY HOME LOAN SERVICED VIA THIS CORRUPT THIRD WORLD COMPANY CALLED BSI, I AM PAYING OFF THE LOAN AND GOING TO A HONEST AND ETHICAL XXXX XXXX AND BSI CONTINUES TO LIE, CHEAT AND COMMIT PERJURY ALONG WITH MONEY LAUNDERING AND TAX EVASION AND FRAUD
|
| 06/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
BSI Financial Services are reporting lates on my account in XXXX and XXXX. I should not have any lates. I have been making my payments on time EVERY month and I don't understand why they are reporting inaccurately. These lates are erroneous and need to be removed off my credit.
|
| 02/24/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
BSI i called them several times and spoke to a manager also i have written them, BSI stated that they will call me back over month ago no response.
I told them I did not apply from the company and the address in XXXX yes not belongs to me. I live at NJ and works at XXXX NJ.
|
| 11/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Re : last claim XXXX.
BSI claims they credited my account for the late fees and late payment fee but they only credited the late fees. Their letter in response to this claim included information about my account but no solution. They have not credited the late payment.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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My original lender was XXXX XXXX up until XX/XX/XXXX bsi is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with them
|
| 07/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
BSI financial called me to collect payment on a check that I sent in and was cashed by them on time. They can not provide proof of payment and want me to send in the proof. I will share proof if absolutely necessary, but I shouldnt have to prove they cashed my check.
|
| 08/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
This is the third or fourth time they are saying that I didn't purchase a XXXX insurance although I did that two months ago. On top of that they are trying to sell me their own XXXX insurance coverage. My repeated complaints and contacts are falling in XXXX ear.
|
| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Have called multiple times throughout the year 2022, trying to obtain most recent mortgage statement. Unable to contact customer service or email with a resolution. Still havent received any mortgage statements from BSI financial services since the start of 2022.
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Dear CFPB, Re : Attached 1099-A Form From BSI Financial Services which appears to have been sent to us in error.
Why did BSI Financial Services send this 1099-A to us?
We have never had any dealings with BSI Financial Services> Thank you, XXXX XXXX XXXX
|
| 05/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
we have been trying with BSI to do a loan mitigation.
- They are asking for a large down payment of {$30.00} -They have being doubling our escrows -Increasing our mortgage payments by 1/3 -Not being transparent in their charges -Impossible to talk too ..
|
| 09/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I've continually called and written about simply wanted my loan payoff from a loan I have paid off. I want to make sure they paid me the correct escrow refund. They keep saying they'll email it and we've had multiple emails and no one ever sends it.
|
| 01/29/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
BSI Financial Services is reporting an unpaid mortgage balance that is not owed. Attached I have provided evidence that the unpaid balance that is being claimed by BSI Mortgage has been resolved two years ago.
Please see the attached documents.
|
| 02/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
The mortgage company BSI financial is saying we havent paid our mortgage in over a year, messing with our credit and our lives. We have proof of payments, and we have continuously tried to contact them and change it but they keep messing it up.
|
| 05/05/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Have been ignored and threatened by various mortgage advisers especially the last one. Am with XXXX XXXX now thru BSI and XXXXes so over worked and back logged he cant even call back even though I begged for corona virus forbearance assistance.
|
| 09/14/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX sent letter to borrower saying he was approved for a modification but did not provide any documents stating when he was to resume payment or what the payments will be. XXXX sent borrower a NOTICE OF DEFAULT AND INTENTION TO FORECLOSURE.
|
| 11/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
BSI Financial Services is my mortgage servicer. I have paid down a large amount of my loan and requested a recast of my monthly payment on at least XXXX occasions. They refuse to honor my request.
www.bsifinancial.com myloanweb.com/BSI
|
| 04/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have made several attempts/ requests with BSI servicing company regarding a pay-off quote. They never replied and i am scheduled to close on the sale of XX/XX/2023.
The last mortgage statement sent had a balance of {$170000.00}
|
| 05/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Sent a loan modification package to BSI Financial and gave never heard back from them. They do not answer their phones or respond to emails or voicemails. Package sent XX/XX/XXXX overnight delivery. I dont think anyone works there.
|
| 05/06/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been trying to get this loan paid off for weeks through XXXX XXXX and now loan was sold to BSI who has no record of this loan. I am refinancing and running out of time. I need this loan paid off and lien on title released.
|
| 01/21/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Attach is question that need to be answer concerning any violation of the servicer.
BSI and XXXX. After reviewing your company webpage I do not see any of my question have been answer before concerning a advanced escrow account.
|
| 03/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
BSI Financial paid my taxes before they were due and now are requiring me to pay them thru escrow. My mortgage clearly states that escrow is waived. this has resulted in my payments not being applied and late charges incurring.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
During Covid times, I was given a forbearance from XXXX until XXXX of 2020. I was then modified and told that during the forbearance /modification " NOLATES will be reported '' This was reported and all of my credit is ruined.
|
| 05/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I gave the company {$10000.00} in XXXX. They didn't put the money to apply to what is owed of my mortgage, and threatening to foreclose, unless they get more then what is owed. They will not answer my phone calls, at all
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Loan servicer BSI Financial Services in connection with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX illegally foreclosed on our home. They created fraudulent documents and " harvested '' our home. This took place XX/XX/2012
|
| 10/19/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
BSI Financial Services my VA home loan, they have made several errors on the account and i have NO Impound or Escrow account never have,. I tried emailing and call for over two weeks still no response at all.
|
| 04/16/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bsi Financial has reported my account as late and no data when the law requires them to report my account as current. They refuse to update the credit report for me and say they are not obligated too.
|
| 01/08/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for loss midigation with my mortgage company and sent all requested documents and have been denied. I also sent an appeal and have not got a response. This is a extreme time sesative case.
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was fined because BSI couldn't be bothered to deposit my check. Every check in my sequence was deposited by all vendors by XXXX, they didn't deposit the check until XX/XX/20 and fined me {$63.00}
|
| 05/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Original lender XXXX XXXX up until XX/XX/XXXX ... bsi is reporting on my credit report that I was 120 days past due In XXXX and XXXX of XXXX please remove any late payment from my credit report
|
| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Re : claim XXXX.
I just submitted feedback which closed the claim. After submitting feedback, I checked my BSI account. They have credited me {$50.00} on XX/XX/19 but not the {$79.00}.
|
| 12/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
A COMPANY TOOK MY HOUSE WAS FRAUDULENTLY IN 2006. I THOUGHT I WAS TAKING A LOAN OUT OF HOUSE TO HELP DAUGHTER OUT OF FORECLOSURE BUT INSTEAD THEY TOOK OUT XXXX. BEEN BEHIND EVER SINCE.
|
| 10/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Contacted BSI Financial on XX/XX/2020 to request bereavement due to being impacted by Covid-19. The company will not process my request even though my loan is backed by XXXX XXXX.
|
| 10/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
My loan was sold to Servis One/BSI Financial. I have been trying to access their online payment portal for three days on my browser to make my payment. The page never loads.
|
| 05/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have submitted notice to the company to have escrow payments removed. They confirm that escrow is removed but continue to charge the account for escrow payments.
|
| 02/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
A complaint letter is attached as there is not sufficient space in this box to fully elucidate the issues I am having with BSI Financial Services.
|
| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
BSI is deliberately failing to deposit my payments, I can prove are made on time, to fine me {$63.00} every month and bully me into auto deposit
|
| 01/25/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of a mortgage owed to bsi financial services. I have never sign and contract with this company
|
| 07/31/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
XXXX XX/XX/2021 XXXX transferred to another servicer BSI financial services that's when my problem started
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
I have been with this company since XX/XX/2021 and they aren't reporting to credit reporting agency
|
| 01/31/2024 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
|
| 01/12/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
|
| 01/03/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Phone |
Older American |
|
|
| 12/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
|
| 12/05/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
|
- Trouble during payment process
- Fees charged
|
|
Phone |
Servicemember |
|
|
| 11/13/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 10/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Postal mail |
Older American |
|
|
| 10/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Postal mail |
|
|
|
| 10/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Phone |
|
|
|
| 10/11/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
|
|
|
| 10/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
|
|
|
| 10/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Phone |
|
|
|
| 09/21/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Phone |
|
|
|
| 08/31/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Phone |
Servicemember |
|
|
| 08/29/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 08/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American |
|
|
| 08/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 07/28/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web Referral |
|
|
|
| 07/26/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 07/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American, Servicemember |
|
|
| 07/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/19/2023 |
No |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 05/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/03/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 04/20/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/19/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/08/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American, Servicemember |
|
|
| 02/15/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
|
|
|
Phone |
Servicemember |
|
|
| 02/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American |
|
|
| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American, Servicemember |
|
|
| 01/19/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/18/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/03/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/23/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 11/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 11/14/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 11/09/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 10/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
|
| 10/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 09/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 09/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/26/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/05/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/04/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 07/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 06/09/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/12/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 05/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/10/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/03/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/16/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 03/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/12/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/06/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/09/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/21/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/19/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 01/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 01/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 01/17/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/13/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 01/10/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 01/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 01/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 12/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 11/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
Older American, Servicemember |
|
|
| 10/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/27/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 09/24/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 08/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/27/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/18/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 08/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/29/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 07/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 06/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Servicemember |
|
|
| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 05/06/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 03/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 12/01/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 12/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 11/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/20/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/15/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/14/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Phone |
|
|
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 09/29/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 09/29/2020 |
Yes |
|
|
|
Phone |
Servicemember |
|
|
| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/11/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 09/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 07/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 06/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/18/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/26/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/24/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/12/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 05/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Postal mail |
|
|
|
| 04/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/15/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/17/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 03/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 03/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
Older American, Servicemember |
|
|
| 03/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 02/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 01/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 01/15/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/07/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|